Terms of Service

1. Introduction

Welcome to Heritage Global Bank. By accessing our website, mobile app, or services, you agree to comply with these Terms of Service and all applicable laws and regulations. If you do not agree, you must not use our services.

2. Use of Services

• You must be legally authorized to use our services.
• You agree to provide accurate and up-to-date personal information during account registration and KYC verification.
• You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

3. Account Security

• Multi-factor authentication, encryption, and monitoring are used to protect your account.
• You must notify us immediately of any unauthorized access or suspicious activity.

4. Privacy

Your personal information is protected according to our Privacy Policy. By using our services, you consent to the collection, storage, and use of your data as described in that policy.

5. Transactions

• All transactions are subject to our verification and approval processes.
• We are not responsible for delays or errors caused by incorrect information provided by the user.

6. Fees and Charges

• Account fees, service charges, and loan interest rates are disclosed at account opening or on our website.
• We may update fees with notice in accordance with applicable law.

7. Limitation of Liability

• Heritage Global Bank is not liable for indirect, incidental, or consequential damages arising from use of our services.
• We do not guarantee uninterrupted access or error-free service.

8. Termination

• We may suspend or terminate accounts for breach of these Terms, illegal activity, or suspicious behavior.
• Users may close accounts at any time by following the prescribed procedures.

9. Amendments

• These Terms may be updated periodically. Users will be notified of material changes via email or website notice.

10. Governing Law

These Terms of Service are governed by the laws of the United States and applicable state regulations.

Contact Us:
For questions regarding these Terms, please email info@heritageglobalbank.com or contact our customer service.