Terms of Service for SimpleSwift Bank

Welcome to SimpleSwift Bank! These Terms of Service ("Terms") govern your access to and use of our services, websites, and applications (collectively, "Services"). By using our Services, you agree to these Terms. If you do not agree, please do not use our Services.

1. Eligibility

• Be at least 18 years old (or the age of majority in your jurisdiction).
• Have the legal capacity to enter into binding agreements.
• Comply with all applicable laws and regulations.

2. Account Responsibilities

• You must provide accurate and complete information when opening an account.
• You are responsible for maintaining the confidentiality of your account credentials.
• Notify us immediately of unauthorized access or use of your account.
• You agree not to use your account for any unlawful purposes, including fraud or money laundering.

3. Services Offered

SimpleSwift Bank provides financial services such as:

• Checking and savings accounts.
• Payment processing.
• Loan and credit services.
• Other related banking services.

Service availability may vary by jurisdiction and may be subject to additional terms and conditions.

4. Fees and Charges

• Our Services may include fees as outlined in our Fee Schedule.
• Fees may change, and you will be notified of changes as required by law.
• You are responsible for any taxes or third-party charges associated with your use of the Services.

5. Prohibited Activities

• Violate any applicable laws or regulations.
• Transmit harmful, fraudulent, or obscene content.
• Engage in unauthorized access to our systems or those of others.
• Use the Services for unauthorized commercial purposes or spamming.

6. Privacy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your personal information. By using our Services, you consent to the practices described in our Privacy Policy.

7. Intellectual Property

All content, logos, trademarks, and other materials provided through the Services are owned by Simple Swift Bank or licensed to us. You may not copy, modify, or distribute any materials without our prior written consent.

8. Disclaimers

• No Warranties: Our Services are provided "as is" and "as available" without warranties of any kind, except as required by law.
• Limitation of Liability: To the maximum extent permitted by law, SimpleSwift Bank is not responsible for indirect, incidental, or consequential damages arising from your use of the Services.

9. Termination

• We may suspend or terminate your access to the Services at any time for violations of these Terms or applicable laws.
• You may terminate your account by notifying us in writing.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of [Insert Jurisdiction], without regard to its conflict of laws principles.

11. Amendments

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting, and your continued use of the Services constitutes your acceptance of the updated Terms.