Terms and Conditions

Welcome to VintageFinancial. By accessing or using our website, online banking services, mobile applications, or any other online platform ("Services"), you agree to be bound by these Terms and Conditions (the "Terms"). Please read them carefully.

1. Acceptance of Terms

By accessing our website or using our Services, you agree to these Terms, our Privacy Policy, and any other policies or guidelines we may implement from time to time. If you do not agree to these Terms, you must discontinue using our Services immediately.

2. Eligibility

To use our Services, you must be at least 18 years old or the age of majority in your jurisdiction, and you must not be prohibited from using our Services under applicable law.

3. Account Registration

You may be required to create an account to access certain features of our Services. When creating an account, you agree to:

• Provide accurate and complete information.
• Keep your account details and password secure.
• Notify the Bank immediately if you suspect any unauthorized access or use of your account.
  
  

4. User Responsibilities

You agree to use the Bank's Services for lawful purposes only. You are prohibited from:

• Using the Services for fraudulent or illegal activities.
• Interfering with the security or operation of the website.
• Attempting to gain unauthorized access to any part of the website or its systems.
  
  

5. Banking Services

Our Services may include account management, funds transfer, bill payments, loan applications, investment management, and other banking-related services. Using these Services, you agree to the specific terms that apply to each service, which may be provided separately.

6. Fees and Charges

You may incur fees and charges for certain Services provided by the Bank. The Bank will notify you of any applicable fees, which may change from time to time. You are responsible for paying all fees associated with your use of the Services.

7. Electronic Communications

By using our Services, you consent to receive electronic communications from us. These communications may include notices about your account, legal updates, and other information relevant to your use of the Services.

8. Security

The Bank uses reasonable security measures to protect your data. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures. You acknowledge that you provide your information at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, the Bank will not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use or inability to use the Services. This includes damages for errors, interruptions, or unauthorized access to your data.

10. Indemnification

You agree to indemnify, defend, and hold harmless the Bank, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of your use of the Services or violation of these Terms.

11. Termination

The Bank reserves the right to suspend or terminate your account and access to the Services at its sole discretion, with or without notice, if you violate these Terms or engage in any fraudulent or unlawful activities.

12. Changes to Terms and Conditions

The Bank reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the website. Your continued use of the Services after any changes signifies your acceptance of the revised Terms.

13. Miscellaneous

• If any provision of these Terms is found to be unlawful or unenforceable, it will be severed from these Terms without affecting the validity of the remaining provisions.
• The failure of the Bank to enforce any provision of these Terms shall not be considered a waiver of that provision.