Terms of Service 

These Terms of Service govern your access to and use of TerraCrest Union’s website, mobile application, digital banking platform, and all related financial services. By creating an account, accessing the platform, or using any of our services, you agree to be legally bound by these Terms. If you do not agree, you must discontinue use of the platform immediately.

TerraCrest Union provides digital banking services designed to support personal and business financial activities, including account management, payments, transfers, cards, loans, savings, investments, and related financial tools. All services are provided subject to these Terms, applicable laws, regulatory requirements, and internal compliance policies.

To use TerraCrest Union services, you must meet applicable eligibility requirements in your jurisdiction, including legal age and capacity to enter binding agreements. You agree to provide accurate, complete, and truthful information during registration and throughout your use of the platform. You are responsible for keeping your account information up to date and for ensuring that all data provided remains accurate at all times.

You are solely responsible for maintaining the confidentiality and security of your account credentials, including passwords, PINs, authentication codes, and any other security mechanisms. Any activity performed through your account will be considered authorized by you, whether or not you personally performed the action. You must immediately notify TerraCrest Union of any unauthorized access, suspicious activity, or security breach related to your account.

All services provided by TerraCrest Union must be used only for lawful and legitimate financial purposes. You agree not to misuse the platform in any way that violates applicable laws, regulations, or these Terms. Prohibited activities include fraudulent transactions, identity theft, money laundering, unauthorized access attempts, manipulation of system functions, abuse of promotional systems, distribution of malicious software, or any activity that compromises platform integrity or security. Any violation may result in account suspension, restriction, investigation, or permanent termination without prior notice.

All financial transactions conducted through TerraCrest Union are subject to verification, security screening, compliance checks, processing limits, and applicable banking procedures. Transaction times may vary depending on payment networks, currency processing, regulatory requirements, and security reviews. TerraCrest Union reserves the right to delay, decline, reverse, or investigate any transaction where suspicious or unusual activity is detected.

Fees and charges may apply to certain services, including transfers, currency conversions, withdrawals, card usage, loans, or premium financial services. Any applicable fees will be communicated through the platform or relevant service interface. You are responsible for reviewing and understanding all charges associated with your use of the platform.

TerraCrest Union implements advanced security systems, including encryption, authentication controls, fraud monitoring, and access restrictions to protect user accounts and financial data. However, you acknowledge that no digital system is completely secure, and you accept responsibility for using strong passwords, securing your devices, and following recommended security practices.

We strive to ensure continuous availability of services, but we do not guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, system upgrades, security updates, technical failures, third-party disruptions, or regulatory requirements. TerraCrest Union is not liable for any losses resulting from service interruptions beyond our reasonable control.

TerraCrest Union may integrate or rely on third-party services, including payment processors, identity verification providers, banking networks, or technology partners. We are not responsible for the actions, policies, or failures of third-party services, although we take reasonable steps to ensure they meet appropriate standards.

All intellectual property rights related to the platform, including software, design, branding, logos, content, and technology, remain the exclusive property of TerraCrest Union or its licensors. You may not copy, reproduce, modify, distribute, or exploit any part of the platform without prior written authorization.

We reserve the right to suspend, restrict, investigate, or terminate accounts at any time if we believe there is a violation of these Terms, a security risk, fraudulent activity, regulatory concern, or misuse of services. We may also take necessary actions to protect the platform, users, and financial system integrity.

To the maximum extent permitted by law, TerraCrest Union shall not be liable for any indirect, incidental, or consequential losses arising from your use of the platform, including but not limited to financial losses, transaction delays, system interruptions, unauthorized access due to user negligence, or third-party failures.

These Terms may be updated periodically to reflect changes in services, regulations, security requirements, or operational practices. Continued use of TerraCrest Union after updates constitutes acceptance of the revised Terms of Service.