Terms of Service

Account Security

• You are responsible for maintaining the confidentiality of your account credentials
• Multi-factor authentication is mandatory for all financial transactions
• Immediate notification required for any unauthorized access
• Regular password updates required every 90 days
• Device verification required for new login locations

Prohibited Activities

• Creating multiple accounts for the same individual
• Providing false or misleading information
• Attempting to bypass security measures
• Using automated systems or bots
• Sharing account access with unauthorized users

Data Collection

We collect and process the following types of data:

• Personal identification information
• Financial information and history
• Device and usage information
• Communication records
• Transaction data

Data Protection Measures

• End-to-end encryption for all data transmission
• Regular security audits and penetration testing
• Access controls and authentication protocols
• Data backup and disaster recovery procedures
• Compliance with GDPR and local data protection laws

Ownership

All rights, title, and interest in and to the Platform, including:

• Software code and architecture
• User interface and design elements
• Logos and branding materials
• Content and documentation
• APIs and technical implementations

License and Usage

Users are granted a limited, non-exclusive, non-transferable license to:

• Access and use the platform for intended purposes
• View and download authorized content
• Integrate with approved APIs

Limitation of Liability

• Platform provided "as is" without warranties
• No liability for service interruptions
• Maximum liability limited to fees paid
• Exclusion of indirect damages

Indemnification

Users agree to indemnify and hold harmless the Company from:

• Violations of these Terms
• Unauthorized use of the Platform
• Breach of applicable laws
• Claims by third parties

Informal Resolution

Before initiating any formal legal proceeding, users agree to:

• Contact our support team first
• Provide detailed description of the issue
• Allow 30 days for resolution
• Participate in good-faith negotiations

Arbitration

If informal resolution fails:

• Disputes will be resolved by binding arbitration
• Arbitration will be conducted in [City Name]
• Proceedings will be confidential
• Decision will be final and binding
• Costs shared equally unless determined otherwise

Termination by User

• Users may terminate their account at any time
• Outstanding obligations must be settled
• 30-day notice required for premium services
• Data retention policies still apply

Termination by Company

We reserve the right to terminate accounts for:

Miscellaneous Provisions

Severability

If any provision of these Terms is found to be unenforceable or invalid:

• The provision will be modified to the minimum extent necessary
• The remaining provisions will continue in full force and effect
• Invalid provisions will be replaced with similar valid provisions
• Unenforceability in one jurisdiction doesn't affect other jurisdictions

The invalidity of any part of these Terms does not affect the validity of the remaining parts.

Force Majeure

The Company shall not be liable for any failure or delay in performance due to circumstances beyond reasonable control, including:

Natural Events

• Natural disasters
• Earthquakes
• Floods
• Fires
• Extreme weather conditions

Human Events

• War or civil unrest
• Labor disputes
• Government actions
• Terrorist acts
• Civil disturbances

Technical Issues

• Power outages
• System failures
• Network disruptions
• Hardware malfunctions
• Third-party service failures

Other Circumstances

• Pandemics or epidemics
• Economic disruptions
• Regulatory changes
• Supply chain disruptions
• Transportation issues

Assignment and Transfer

Company Rights

• May assign or transfer these Terms
• May delegate or subcontract any obligations
• May transfer user data in case of merger or acquisition
• Will notify users of significant changes in ownership

User Limitations

• Cannot assign or transfer any rights without written consent
• Cannot delegate or subcontract obligations
• Account rights are non-transferable
• Attempted transfers void the agreement

Entire Agreement

These Terms, together with our Privacy Policy and any additional terms to which you agree, constitute:

• The complete agreement between you and the Company
• Supersede all prior agreements and understandings
• Replace any previous versions of the Terms
• Override any conflicting communications

No oral statements, advertisements, or other communications should be considered part of these Terms unless explicitly incorporated in writing.

No Waiver

The Company's failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. Any waiver must be:

• In writing
• Signed by an authorized representative
• Specific to the right being waived
• Limited to the specific instance

A single or partial exercise of any right or remedy does not prevent further exercise of that or any other right or remedy.