Terms and Conditions

1. Introduction

Welcome to TrueNorth Portfolio. These Terms and Conditions govern your use of our banking services and website. By accessing or using our services, you agree to be bound by these terms.

2. Definitions

In these Terms and Conditions:

• "Bank" refers to TrueNorth Portfolio
• "Services" refers to all banking services provided by us
• "Account" refers to any account you hold with us
• "User" refers to any person who accesses our services

3. Account Registration

To use our services, you must:

• Be at least 18 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Complete any required identity verification (KYC) processes

4. Account Approval

All account applications are subject to approval. We reserve the right to:

• Request additional documentation for verification
• Decline applications without providing reasons
• Close accounts that violate our terms
• Freeze accounts pending investigation

5. Banking Services

5.1 Deposits and Withdrawals

You may deposit and withdraw funds subject to our policies, applicable limits, and verification requirements.

5.2 Transfers

Domestic and international transfers are available subject to:

• Applicable transfer limits
• Required verification codes (if applicable)
• Anti-money laundering regulations
• Processing times (2-5 business days for international transfers)

5.3 Cards

Debit cards are issued at our discretion and subject to our card terms and conditions.

5.4 Loans

Loan applications are subject to credit assessment and approval. Interest rates and terms are determined based on individual creditworthiness.

6. Fees and Charges

You agree to pay all applicable fees for our services. Fee schedules are available on request and may be updated from time to time with notice.

7. User Responsibilities

You agree to:

• Use our services only for lawful purposes
• Not engage in fraudulent activities
• Keep your login credentials secure
• Report any suspicious activity immediately
• Comply with all applicable laws and regulations

8. Prohibited Activities

You must not use our services for:

• Money laundering or terrorist financing
• Fraudulent transactions
• Illegal gambling or betting
• Purchase of illegal goods or services
• Any activity that violates applicable laws

9. Security

We implement industry-standard security measures to protect your data and funds. However, you are responsible for:

• Maintaining the confidentiality of your credentials
• Using secure networks when accessing your account
• Logging out after each session
• Reporting security concerns promptly

10. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of data or unauthorized access due to your negligence
• Service interruptions due to circumstances beyond our control
• Actions taken in compliance with legal requirements

11. Account Termination

We may suspend or terminate your account if:

• You breach these terms
• We suspect fraudulent activity
• Required by law or regulation
• Your account remains inactive for an extended period

12. Modifications

We reserve the right to modify these terms at any time. Continued use of our services after modifications constitutes acceptance of the updated terms.

13. Governing Law

These terms are governed by the laws of the jurisdiction in which we operate. Any disputes shall be resolved through appropriate legal channels.

14. Contact Information

For questions about these terms, please contact us at:

Email: noreply@truenorthbnk.com