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Effective Date: January 1, 2024
These Terms of Service ("Terms") govern your use of financial services provided through this platform. By accessing or using our services, you agree to be bound by these Terms and all applicable laws and regulations.
This agreement constitutes a legally binding contract between you and our financial institution. Please read these terms carefully before proceeding with any financial transactions or account activities.
We offer various account types designed to meet different financial needs. Each account type has specific features, benefits, and requirements that are detailed in the respective product disclosures.
Credit products are subject to credit approval and verification of income, employment, and other financial information. All lending decisions are made based on our underwriting criteria and applicable regulations.
Online banking access provides convenient account management tools. You are responsible for maintaining the security of your login credentials and monitoring your account activity regularly.
Interest rates are determined based on various factors including creditworthiness, market conditions, and product type. Rates may be fixed or variable as specified in your account agreement.
Applicable fees are disclosed in our fee schedule and account agreements. Fees may include but are not limited to maintenance fees, transaction fees, overdraft fees, and early termination fees.
We reserve the right to change interest rates and fees in accordance with your account agreement and applicable law. Notice of changes will be provided as required by regulation.
Borrowers must make payments as scheduled in their loan agreement. Payments are due on the specified due date each month and must be received by the institution to avoid late fees.
You must provide accurate and complete information when applying for services and promptly notify us of any changes to your financial situation, contact information, or employment status.
Account holders are responsible for monitoring their accounts, reporting unauthorized transactions promptly, and maintaining sufficient funds to cover scheduled payments and fees.
Default occurs when payments are not made as agreed, when account terms are violated, or when there is a material adverse change in your financial condition that affects your ability to repay.
In the event of default, we may accelerate the debt, charge additional fees, report to credit bureaus, and pursue collection activities including legal action as permitted by law.
Where applicable, you may have a specified period to cure defaults before additional remedies are pursued. The cure period and requirements are outlined in your specific loan agreement.
Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms.
We implement appropriate security measures to protect your personal and financial information. However, you also have responsibilities to protect your account information and report any suspected unauthorized access.
By using our services, you consent to our privacy practices as described in our Privacy Policy and any updates we may make from time to time.
Our services are provided in compliance with applicable federal and state banking regulations, including but not limited to the Truth in Lending Act, Fair Credit Reporting Act, and Equal Credit Opportunity Act.
We are committed to fair lending practices and do not discriminate based on race, color, religion, national origin, sex, marital status, age, or other protected characteristics.
Our liability is limited to the extent permitted by law. We are not liable for indirect, incidental, or consequential damages arising from the use of our services.
In no event shall our total liability exceed the amount of fees paid by you for the specific service giving rise to the claim during the twelve months preceding the claim.
Any disputes arising under these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, unless prohibited by applicable law.
You may have the right to opt out of arbitration within a specified time period as detailed in your account agreement.
We may modify these Terms at any time with appropriate notice as required by law. Continued use of our services after modifications constitutes acceptance of the revised Terms.
Either party may terminate services in accordance with the specific terms of individual account agreements and applicable law.
For questions about these Terms or our services, please contact us at:
Important Notice: These Terms of Service are subject to change. Please review them periodically for updates. Your continued use of our services constitutes acceptance of any modifications to these Terms.