Introduction
Effective Date: [20/10/2023]
Welcome to Civic Wealth Capita. These Terms & Conditions (“Terms”) govern your use of our website, mobile app, and online banking services. By accessing or using our services, you agree to be bound by these Terms. Please read them carefully.
1. Eligibility
To use Civic Wealth Capita’s services, you must:
• Be at least 18 years old.
• Have a valid bank account with us.
• Provide accurate and up-to-date personal information.
2. Account Responsibility
You are responsible for:
• Maintaining the confidentiality of your account credentials (username, password, PIN, etc.).
• Notifying us immediately if you suspect unauthorized access or activity.
• Ensuring your personal and financial details are current.
• We are not liable for losses caused by your failure to safeguard your login information.
3. Acceptable Use
You agree not to:
• Use our services for illegal, fraudulent, or harmful activities.
• Interfere with the security or performance of our systems.
• Provide false, misleading, or incomplete information.
4. Services Provided
Civic Wealth Capita offers:
• Personal and business banking services.
• Money transfers, bill payments, and loan applications.
• Mobile and online banking access 24/7 (subject to scheduled maintenance).
• We reserve the right to modify, suspend, or terminate any service at any time with prior notice where possible.
5. Fees & Charges
Some services may carry fees as outlined in our official fee schedule. Fees are subject to change, and updates will be posted on our website.
6. Transaction Limits
For security reasons, we may impose limits on daily transfers, withdrawals, or payments. These limits can be adjusted upon request and approval.
7. Security
We implement advanced security measures to protect your account. However, you acknowledge that no online service can be completely secure and agree to use our services at your own risk.
8. Intellectual Property
All content on our website, mobile app, and communications—logos, text, images, software—is the property of Civic Wealth Capita and protected by copyright laws. You may not copy, distribute, or modify it without our written permission.
9. Liability
Wealth Capita is not responsible for losses caused by:
• Your misuse of our services.
• Technical issues beyond our control.
• Unauthorized transactions resulting from your negligence in protecting account credentials.
10. Termination
We reserve the right to suspend or close your account if you violate these Terms or engage in prohibited activities.
11. Governing Law
These Terms are governed by the laws of [Insert Country/State]. Any disputes will be resolved in the courts of that jurisdiction.
12. Changes to These Terms
We may update these Terms from time to time. Any changes will be posted on our website with the revised effective date.
13. Contact Us
Have questions about these Terms, contact us:
Civic Wealth Capita – Legal Department
📧 Email: [Support@civicwealthcapita.com]
📞 Phone: [Phone Number Protected]
📍 Address: [3265 Whipple Rd
Union City, California(CA), 94587]
These Terms will be governed by and interpreted in accordance with the laws of the United States, and you submit to the non-exclusive jurisdiction of the state and federal courts located in the United States for the resolution of any disputes.
