Welcome to OffBank. These Terms of Service ("Terms") govern your access to and use of the OffBank website, mobile application, and related services ("Services"). By accessing or using our 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 and legally capable of entering into a binding agreement to use our Services.

By using OffBank, you confirm that you meet these requirements.

2. Your Account

You are responsible for:

• Providing accurate information

• Keeping your login credentials secure

• Maintaining the confidentiality of your account

• Notifying us immediately of any unauthorised access

You remain responsible for all activity carried out using your account.

3. Use of the Services

You agree to use OffBank only for lawful purposes.

You must not:

• Use the Services for fraudulent activity

• Attempt to gain unauthorised access to our systems

• Interfere with the operation or security of the Services

• Upload malicious software or harmful code

• Use the Services in violation of applicable laws

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Payments and Transactions

Where applicable, OffBank enables payments, transfers, and financial management tools.

You are responsible for verifying transaction details before confirming any payment.

Completed transactions may not be reversible except where required by law.

5. AI Features

OffBank may provide AI-powered budgeting, savings recommendations, spending insights, and financial analytics.

These features are provided for informational purposes only.

AI-generated insights do not constitute financial, investment, tax, or legal advice and should not be relied upon as the sole basis for financial decisions.

6. Fees and Subscriptions

Certain premium features may require a paid subscription.

Subscription pricing will be displayed before purchase.

Unless otherwise stated:

• Fees are charged in advance.

• Subscriptions renew automatically until cancelled.

• You may cancel your subscription at any time.

• Refunds are provided only where required by applicable law.

7. Intellectual Property

All content on the OffBank website and applications, including but not limited to:

• Logos

• Branding

• User interface designs

• Graphics

• Icons

• Text

• Software

• Illustrations

is owned by OffBank or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, modify, or create derivative works without prior written permission.

8. Privacy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

9. Availability

We aim to provide reliable access to our Services but do not guarantee uninterrupted availability.

Maintenance, technical issues, or events beyond our control may occasionally affect access.

10. Limitation of Liability

To the maximum extent permitted by law, OffBank shall not be liable for:

• Indirect or consequential losses

• Loss of profits

• Loss of business opportunities

• Loss of data

• Service interruptions

• Delays beyond our reasonable control

Nothing in these Terms excludes liability where such exclusion is prohibited by law.

11. Indemnification

You agree to indemnify and hold OffBank harmless from any claims, damages, liabilities, costs, or expenses arising from your misuse of the Services or breach of these Terms.

12. Termination

We may suspend or terminate access to the Services at any time where:

• These Terms are violated

• Fraudulent or unlawful activity is suspected

• Required by law or regulatory authorities

You may stop using the Services at any time.

13. Changes to These Terms

We may update these Terms from time to time.

Material changes will be published on this page with an updated revision date.

Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the jurisdiction in which OffBank operates, without regard to conflict of law principles.

15. Contact Us

If you have any questions regarding these Terms, please contact us:

OffBank

Email: legal@offbank.com

Website: www.offbank.com

Disclaimer

OffBank is a fictional banking concept created for demonstration and portfolio purposes. These Terms of Service are provided as a sample only and do not constitute legal advice. If OffBank is launched as a real financial service, these Terms should be reviewed and adapted by qualified legal professionals to comply with applicable laws and regulations.