Terms of Service

1. Acceptance of Terms

Welcome to Dual Capital Bank. By accessing, browsing, or using our banking services, website, or mobile application, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you should not access or use our services.

2. Account Opening and Maintenance

To access most of Dual Capital Bank's services, you must register for an account. By opening an account, you represent and warrant that:

• You are at least 18 years of age and properly authorized to enter into a legally binding contract.
• All information provided during the registration process is accurate, current, and complete.
• You will promptly update any personal information to keep it accurate and current.
• You will not use the account for any illegal, fraudulent, or unauthorized purposes.

3. Account Security

You are solely responsible for maintaining the confidentiality of your account credentials (including passwords, PINs, and security questions). You agree to accept responsibility for all activities that occur under your account. Dual Capital Bank utilizes industry-standard encryption, but cannot guarantee absolute security from unauthorized third parties. You must notify us immediately of any suspected unauthorized access or use of your account.

4. Services Provided

Dual Capital Bank provides comprehensive financial services specifically designed for personal and business needs, including but not limited to:

• Personal and commercial checking/savings accounts
• Mobile and web-based internet banking
• International wire transfers and real-time electronic payments
• Lending services (mortgages, personal loans, business credit)
• Credit and debit card issuance

5. Privacy and Data Protection

We take the privacy of our clients seriously. All collection, use, and disclosure of personal information is governed by our Privacy Policy. By agreeing to these Terms of Service, you are also consenting to our data practices as described in our associated Privacy Policy document.

6. Electronic Communications Consent

By using our digital services, you affirmatively consent to receive all notices, disclosures, account statements, and other communications electronically. You may withdraw this consent at any time by contacting customer support, though this may limit your ability to use certain digital-only services.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Dual Capital Bank and its affiliates, directors, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, resulting from your use or inability to use our services.

8. Modifications to Terms

We reserve the right to modify or replace these terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of our services after any modifications indicates your acceptance of the newly revised terms.