Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the digital banking and treasury services, websites, and applications (collectively, the "Services") provided by Spacemont Bank ("Spacemont Bank", "we", "us", or "our").

By creating an account or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to use the Services. You agree to provide accurate, current, and complete information during registration and identity verification.

3. Accounts & Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

You must notify us immediately of any unauthorized use or suspected breach of security. We are not liable for losses arising from your failure to safeguard your credentials.

4. Use of the Services

You agree to use the Services only for lawful purposes and in compliance with all applicable laws and regulations, including anti-money-laundering and sanctions requirements.

You may not use the Services to engage in fraud, money laundering, financing of illegal activity, or any transaction that violates applicable law.

5. Transactions, Deposits & Withdrawals

You authorize us to process deposits, withdrawals, transfers, and settlement instructions you submit through the Services.

Certain transactions, including withdrawals, may require additional verification steps and may be subject to review, holds, limits, or applicable fees before completion.

6. Fees

Applicable fees for the Services will be disclosed to you before you incur them. We may update our fee schedule from time to time, with notice provided through the Services.

7. Prohibited Activities

You may not attempt to gain unauthorized access to the Services, interfere with their operation, reverse-engineer any part of the platform, or use the Services to transmit malicious code or harmful content.

8. Suspension & Termination

We may suspend, restrict, or terminate your access to the Services, with or without notice, if we reasonably believe you have violated these Terms, applicable law, or to protect the security and integrity of our platform.

9. Disclaimers

The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, to the fullest extent permitted by law.

10. Limitation of Liability

To the maximum extent permitted by law, Spacemont Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Services.

11. Changes to These Terms

We may modify these Terms from time to time. Material changes will be communicated through the Services or by email. Your continued use of the Services after an update constitutes acceptance of the revised Terms.

12. Contact Us

If you have questions about these Terms, contact us at support@spacemontbank.com.