Terms & Conditions

Effective Date: January 1, 2025

1. Acceptance of Terms

These Terms and Conditions ("Terms") constitute a legal agreement between you and discoverca.us.com ("we," "us," "our," or "Company") governing your access to and use of our website, online banking platform, and related services (collectively, the "Services").

By accessing, browsing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms and conditions that may apply to specific features or services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into a binding contract
• Be a resident of the United States
• Provide accurate and complete registration information
• Not be prohibited from using our Services under applicable laws
• Not have had your account previously suspended or terminated by us

3. Account Registration and Security

3.1 Account Creation

To access certain Services, you must create an account by providing accurate, current, and complete information. You agree to:

• Provide truthful and accurate information during registration
• Maintain and promptly update your account information
• Keep your login credentials confidential
• Notify us immediately of any unauthorized access or security breach
• Be responsible for all activities that occur under your account

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials. We recommend:

• Using strong, unique passwords
• Enabling two-factor authentication when available
• Not sharing your login credentials with others
• Logging out after each session
• Monitoring your account for suspicious activity

4. Services Description

Our Services include but are not limited to:

• Online banking account access and management
• Bill payment and money transfer services
• Mobile deposit capabilities
• Account statements and transaction history
• Credit card management
• Savings and investment account management
• Customer support and assistance
• Financial tools and calculators

We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time without prior notice.

5. User Obligations and Conduct

When using our Services, you agree NOT to:

• Violate any applicable laws, regulations, or third-party rights
• Provide false, misleading, or inaccurate information
• Impersonate any person or entity
• Engage in fraudulent, deceptive, or illegal activities
• Attempt to gain unauthorized access to our systems or networks
• Use automated systems, bots, or scripts to access the Services
• Interfere with or disrupt the Services or servers
• Transmit viruses, malware, or harmful code
• Reverse engineer, decompile, or disassemble any software
• Use the Services for unauthorized commercial purposes
• Collect or harvest user information without consent
• Create multiple accounts or share accounts with others

6. Transactions and Payments

6.1 Authorization

By initiating transactions through our Services, you authorize us to process payments, transfers, and other financial transactions on your behalf.

6.2 Transaction Limits

We may impose limits on transaction amounts, frequency, and types. These limits may vary based on account type, history, and risk assessment.

6.3 Transaction Processing

Transaction processing times may vary depending on the type of transaction, receiving institution, and banking holidays. We are not responsible for delays caused by third parties.

6.4 Fees and Charges

Certain Services may be subject to fees. We will disclose applicable fees before you complete a transaction. You are responsible for all fees associated with your use of the Services.

7. Intellectual Property Rights

All content, features, and functionality of our Services, including but not limited to:

• Text, graphics, logos, images, and icons
• Software, code, and technology
• Trademarks, service marks, and trade names
• Design, layout, and compilation

are owned by us or our licensors and are protected by United States and international copyright, trademark, patent, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content without our prior written permission.

8. Third-Party Services and Links

Our Services may contain links to third-party websites, services, or resources. We do not control, endorse, or assume responsibility for:

• Third-party content, products, or services
• Privacy practices of third-party websites
• Accuracy or reliability of third-party information
• Any loss or damage resulting from third-party interactions

Your use of third-party services is at your own risk and subject to their terms and conditions.

9. Disclaimers and Warranties

We disclaim all warranties, including but not limited to:

• Merchantability and fitness for a particular purpose
• Non-infringement of third-party rights
• Accuracy, reliability, or completeness of information
• Uninterrupted, secure, or error-free operation
• Correction of defects or errors
• Freedom from viruses or harmful components

We do not guarantee that the Services will meet your requirements or expectations.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption or loss of goodwill
• Damages arising from use or inability to use the Services
• Unauthorized access to or alteration of your data
• Statements or conduct of third parties

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless us, our affiliates, officers, directors, employees, agents, and licensors from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Services
• Violation of these Terms
• Violation of any laws or third-party rights
• Your content or information
• Unauthorized access to your account

12. Privacy and Data Protection

Your use of our Services is subject to our Privacy Policy, which describes how we collect, use, and protect your information. By using our Services, you consent to our data practices as described in the Privacy Policy.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on our website with an updated effective date. Material changes will be communicated via:

• Email notification to registered users
• Prominent notice on our website
• In-app notifications

Your continued use of the Services after changes become effective constitutes acceptance of the modified Terms.

14. Account Termination

14.1 Termination by You

You may terminate your account at any time by contacting customer support. Upon termination, you remain responsible for all outstanding obligations.

14.2 Termination by Us

We may suspend or terminate your account immediately, without notice, if:

• You violate these Terms
• We suspect fraudulent or illegal activity
• Required by law or legal process
• Your account remains inactive for an extended period
• We discontinue the Services

15. Dispute Resolution

15.1 Informal Resolution

Before filing a claim, you agree to contact us to attempt informal resolution of any dispute.

15.2 Arbitration Agreement

Any dispute arising from these Terms or the Services shall be resolved through binding arbitration rather than in court, except where prohibited by law. The arbitration shall be conducted in accordance with the American Arbitration Association rules.

15.3 Class Action Waiver

You agree to resolve disputes on an individual basis only. You waive the right to participate in class actions, class arbitrations, or representative actions.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to conflict of law principles.

Any legal action or proceeding shall be brought exclusively in the federal or state courts located in Delaware, and you consent to the personal jurisdiction of such courts.

17. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy and any additional terms, constitute the entire agreement between you and us regarding the Services and supersede all prior agreements and understandings.

19. No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

20. Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign or transfer our rights and obligations without restriction.

21. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, strikes, or technical failures.

22. Electronic Communications

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

23. Contact Information