Effective Date: [Insert Date]
Welcome to Cents Trust Bank ("Cents Trust", "we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of our website, digital banking platform, and related services. By accessing or using our services, you agree to comply with these Terms.
You must be at least 18 years old and legally capable of entering into contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.
To access certain features, you may be required to register for an account. You agree to provide accurate, complete, and current information and to keep your login credentials confidential. You are responsible for all activities that occur under your account.
Cents Trust Bank provides digital and neobanking services including:
You agree not to misuse our services or use them in any unlawful way, including but not limited to:
Certain services may carry fees. By using such services, you agree to pay all applicable charges and authorize us to debit your account as required. We will provide clear disclosure of any applicable fees in advance.
All content, branding, software, and materials provided by Cents Trust are protected by intellectual property laws. You may not copy, reproduce, modify, or distribute any part of our services without prior written consent.
We may use or integrate third-party services (e.g., Plaid, Stripe). Your use of such services is subject to the terms and policies of those providers. We are not responsible for the practices or content of third-party services.
Our services are provided "as is" and "as available." We do not guarantee that services will be uninterrupted, secure, or error-free. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
To the maximum extent permitted by law, Cents Trust shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of or inability to use our services.
You agree to indemnify and hold harmless Cents Trust, its officers, employees, and partners from any claims, damages, liabilities, or expenses arising out of your use of the services or violation of these Terms.
We reserve the right to suspend or terminate your access to our services at any time, with or without cause or notice. Upon termination, your right to use the services will immediately cease.
We may update these Terms from time to time. Continued use of the services after such changes constitutes your acceptance of the new Terms. We encourage you to review them periodically.
These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of courts located in New York, NY.
If you have any questions about these Terms, please contact us at:
Cents Trust Bank
270 Park Avenue
New York, NY
Phone: +1 713 825 5678
Email: support@centstrust.com