Terms & Conditions

Please read these terms carefully before using our services

Personal Bank Terms and Conditions

Last Updated: January 1, 2023

1. Agreement to Terms

By accessing or using Personal Bank's services, you agree to be bound by these Terms and Conditions. If you disagree with any part of the terms, you may not access our services.

2. Banking Services

Personal Bank provides various financial services including but not limited to:

  • Checking and savings accounts
  • Loan and credit products
  • Investment services
  • Online and mobile banking
  • Payment processing

All services are subject to account eligibility, application approval, and compliance with banking regulations.

3. Account Eligibility and Registration

To be eligible for Personal Bank services, you must:

  • Be at least 18 years of age
  • Provide accurate and complete information
  • Be a resident of a country where we operate
  • Not be prohibited by law from using our services

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

4. Fees and Charges

Personal Bank may charge fees for certain services as outlined in our Fee Schedule. We will provide notice of any fee changes at least 30 days in advance. You are responsible for paying all applicable fees associated with your accounts.

5. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in our Privacy Policy.

6. Intellectual Property

All content, trademarks, logos, and other intellectual property on our platform are the property of Personal Bank or our licensors. You may not use, reproduce, or distribute any content without our prior written permission.

7. Limitation of Liability

Personal Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services. Our total liability to you for any claims shall not exceed the amount of fees you paid to us in the past six months.

8. Changes to Terms

We may modify these Terms at any time. We will provide notice of material changes through our website, email, or other communication methods. Your continued use of our services after changes constitutes acceptance of the modified Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

10. Contact Information

If you have any questions about these Terms, please contact us at:

Personal Bank Legal Department
123 Financial Street, Banking City
Email: legal@personalbank.com
Phone: (555) 123-LEGAL