By accessing or using Pledge Bank’s website and online banking services, you agree to comply with and be bound by the following terms and conditions. If you do not agree to these terms, please do not use the website or online banking services.

These Terms and Conditions govern your access to and use of Pledge Bank’s online banking services, including all information, tools, and services provided on the site. By accessing and using our services, you agree to be bound by these Terms.

To open an account with Pledge Bank, you must be at least 18 years of age, a legal resident of your Country, and have the legal capacity to enter into a contract. We reserve the right to refuse services or terminate accounts at our discretion.

You are responsible for maintaining the confidentiality of your account information, including your username, password, and any other security features used to access your account. You agree to notify us immediately of any unauthorized access or suspicious activity.

You agree to use our online banking services only for lawful purposes and in accordance with applicable laws. You are prohibited from using the site for fraudulent activities, violating others' privacy, or attempting to interfere with the operation of the website.

All transactions conducted via our online banking platform, including payments, transfers, and bill payments, are subject to approval and may take time to process. You are responsible for ensuring there are sufficient funds in your account to cover all transactions.

Certain services, such as wire transfers or overdrafts, may be subject to fees as outlined in our fee schedule. Pledge Bank reserves the right to change fees at any time. You will be notified of any changes in fees, and by continuing to use our services, you agree to the updated fees.

Your privacy is important to us. Our Privacy Policy outlines how we collect, use, and protect your personal information. By using our services, you consent to our collection and use of your data as described in our Privacy Policy.

Pledge Bank is not liable for any direct, indirect, incidental, or consequential damages resulting from the use of our online banking services, including the inability to access your account, loss of data, or technical issues with the website or mobile app.

We strive to provide uninterrupted service, but Pledge Bank does not guarantee that the website or mobile app will be available at all times. We may suspend or restrict access to services for maintenance, updates, or other technical reasons.

Pledge Bank reserves the right to suspend or terminate your access to online banking services if you violate these Terms, engage in fraudulent activity, or fail to maintain your account in good standing.

Pledge Bank may update or modify these Terms at any time. We will notify you of any significant changes, and your continued use of the services will constitute your acceptance of the modified Terms.

These Terms and Conditions are governed by the laws of USA, without regard to its conflict of laws principles. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the court.

In the event of a dispute, both parties agree to first attempt to resolve the issue through informal negotiation. If a resolution cannot be reached, the dispute will be resolved through binding arbitration in accordance with the rules of AAA in USA.

Failure to enforce any provision of these Terms does not constitute a waiver of that provision or the right to enforce it in the future.