Terms of Service

1. Eligibility and Account Registration

To open and maintain a BondInvestment account, you must:

• Be at least 18 years of age
• Be a natural person (not a corporation, trust, or other legal entity, unless applying for a business account)
• Provide accurate, complete, and current identity information
• Successfully complete our Know Your Customer (KYC) verification process
• Not be a person barred from receiving banking services under US federal law
• Have a valid email address that you control

You may only hold one personal account. Opening multiple accounts to circumvent limits or restrictions is prohibited and will result in immediate account closure.

2. Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to:

• Choose a strong, unique password and not share it with any third party
• Never share OTP codes with anyone — including individuals claiming to be BondInvestment staff
• Notify us immediately at support@bondinvestmentbank.com if you suspect unauthorized access
• Log out of your account after each session on shared devices

3. Banking Services

BondInvestment provides the following services subject to these Terms:

• Personal Banking Account: A deposit account with assigned IBAN and SWIFT/BIC for receiving and holding funds
• Transfer Services: Domestic and international money transfers via ACH and SWIFT networks
• Personal Loan Program: Fixed-rate credit facilities subject to separate loan agreement
• Wealth Management: Managed portfolio participation for Prime Members

All services are subject to availability and may be modified, suspended, or discontinued at our discretion with reasonable notice.

4. Transfer and Payment Terms

4.1 Authorization

All outgoing transfers require OTP authorization. You authorize BondInvestment to execute any transfer for which a valid OTP has been entered. Once a transfer is authorized, it cannot be reversed unless the recipient's bank agrees to return the funds.

4.2 Transfer Limits

The standard daily transfer limit is $50,000. Limits may be adjusted at our discretion based on account history and verification status.

4.3 Insufficient Funds

We will not execute transfers that exceed your available balance. Attempting to initiate such transfers may be flagged as suspicious activity.

4.4 Processing Times

Stated processing times are estimates only. Delays may occur due to correspondent bank processing, national holidays, or regulatory review requirements.

5. Personal Loan Terms

Loan applications are subject to credit approval. By submitting a loan application, you:

• Confirm all information provided is accurate and complete
• Authorise BondInvestment to perform credit and identity verification checks
• Understand that approval is not guaranteed and is at our sole discretion
• Agree that approved loans are governed by the separate Loan Agreement signed at disbursement

The standard personal loan rate is 15% fixed annual interest. Loan terms, maximum amounts, and eligibility criteria may change. The rate applicable to your loan is fixed from the date of your loan agreement and will not change during the repayment period.

6. Fees and Charges

• Account maintenance fee: $0.00 — no monthly fee
• Internal transfers: $0.00
• Domestic ACH transfers: $0.00
• International SWIFT transfers: Correspondent bank fees may apply (disclosed before transfer confirmation)
• Loan origination fee: $0.00
• Loan prepayment penalty: $0.00

We reserve the right to introduce fees with at least 30 days advance notice by email.

7. Prohibited Activities

You may not use BondInvestment services for:

• Money laundering, terrorist financing, or any activity prohibited by US federal law
• Fraud, identity theft, or misrepresentation
• Transactions involving sanctioned countries, entities, or individuals (OFAC compliance)
• Circumventing transfer limits through multiple transactions
• Any illegal activity under applicable local, state, federal, or international law

8. Account Suspension and Termination

We may suspend or terminate your account without prior notice if we reasonably suspect fraud, money laundering, or violation of these Terms. We may also suspend accounts pending investigation of suspicious activity.

You may close your account at any time by contacting support, provided there are no outstanding loan balances or pending transactions.

9. Limitation of Liability

To the maximum extent permitted by applicable law, BondInvestment's total liability to you for any claim arising from these Terms or your use of our services shall not exceed the amount of fees you paid to us in the 12 months preceding the claim.

We are not liable for indirect, incidental, special, or consequential damages, including loss of profits, data, or business opportunities.

10. Dispute Resolution

Any dispute arising from these Terms shall first be addressed through our internal complaints process. Contact us at support@bondinvestmentbank.com with "Formal Complaint" in the subject line. We will respond within 15 business days.

Unresolved disputes are subject to binding arbitration under the American Arbitration Association rules, governed by the laws of the State of New York.

11. Governing Law

These Terms are governed by the laws of the State of New York and applicable US federal banking regulations, without regard to conflict of law provisions. Federal banking laws take precedence where applicable.

12. Changes to These Terms

We may update these Terms at any time. Material changes will be communicated by email at least 30 days before they take effect. Your continued use of our services after the effective date constitutes acceptance of the updated Terms.