Effective Date: 30/04/2025

Please read these Terms and Conditions (“Terms”) carefully before using the online banking services or website operated by Zarnk Bank (“we,” “us,” or “our”). By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. Eligibility

You must be at least 18 years old or the legal age in your jurisdiction to access or use our online banking services. By using our website, you represent that you meet these requirements.

2. Use of Services

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You must not:

• Use the website in any way that could damage, disable, overburden, or impair our services.

• Attempt to gain unauthorized access to accounts, systems, or networks.

• Use the website to transmit any harmful code or content.

3. Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately if you suspect unauthorized access to your account. We reserve the right to suspend or terminate access to any user who violates these Terms.

4. Intellectual Property

All content on this website—including logos, trademarks, graphics, text, images, software, and other materials—is the property of [Bank Name] or its licensors and is protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.

5. Availability and Accuracy of Information

While we strive to ensure the accuracy and availability of our services, we do not guarantee that the website will be error-free, uninterrupted, or free from viruses or other harmful components. The content is provided “as is” and “as available,” without warranties of any kind.

6. Linked Websites

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or availability of these external sites. Use of third-party websites is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, [Bank Name] shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from:

• Your use or inability to use the website

• Unauthorized access to your account

• Errors or inaccuracies in the information provided

8. Indemnification

You agree to indemnify, defend, and hold harmless [Bank Name], its affiliates, officers, directors, employees, and agents from and against any claims, losses, damages, liabilities, or expenses arising from your use of our website or any violation of these Terms.

9. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the revised Terms on our website with an updated “Effective Date.” Continued use of the website after such changes constitutes your acceptance of the revised Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United State Of America, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the courts of Jurisdiction.

11. Contact Us

For questions about these Terms, please contact:

Zarnk Bank – Legal Department
contact@zarnk.com