Terms of Service

Agreement to Terms

By accessing or using TerraCrest Union's services, including our website, mobile applications, and banking services (collectively, the "Services"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Services.

Eligibility

To use our Services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Be a legal resident of the United States
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using banking services under applicable laws
• Provide accurate and complete information during registration

Account Registration and Security

When you create an account with us, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password and security credentials confidential
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities under your account

Banking Services

Account Services

Our banking services include, but are not limited to, checking accounts, savings accounts, money market accounts, certificates of deposit, loans, and investment services. Each service is subject to specific terms and conditions provided at the time of enrollment.

Transactions

You authorize us to process transactions you initiate through our Services. You are responsible for ensuring sufficient funds are available for transactions. We reserve the right to decline transactions that violate these terms or applicable laws.

Fees and Charges

Certain Services may be subject to fees as outlined in our Fee Schedule. We will provide notice of any fee changes as required by law. You agree to pay all applicable fees associated with your accounts and services.

Electronic Communications

By using our Services, you consent to receive electronic communications from us. These may include account statements, notices, disclosures, and other information. You agree that electronic communications satisfy any legal requirement for written communications.

Prohibited Activities

You agree not to:

• Use our Services for any illegal purpose or in violation of any laws
• Engage in fraudulent, deceptive, or misleading activities
• Attempt to gain unauthorized access to our systems or other accounts
• Interfere with or disrupt our Services or servers
• Use our Services for money laundering or terrorist financing
• Circumvent any security measures or access controls
• Use automated systems to access our Services without permission
• Impersonate any person or entity

Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, and software, are owned by TerraCrest Union or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Limitation of Liability

To the maximum extent permitted by law, TerraCrest Union shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services. Our total liability shall not exceed the fees paid by you in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless TerraCrest Union, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Services or violation of these Terms.

Dispute Resolution

Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to participate in class action lawsuits or class-wide arbitration.

Termination

We may suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease. Provisions that by their nature should survive termination will remain in effect.

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. Any legal action must be brought in the federal or state courts located in New York County, New York.

Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes through our Services or by other means. Your continued use of our Services after such modifications constitutes acceptance of the updated Terms.

Contact Information

For questions about these Terms, please contact us at: