Welcome to Tracendia Trust. These Terms of Service govern your access to and use of all products, services, and digital platforms provided by Tracendia Trust. By using our website, mobile application, or any of our services, you agree to these terms in full.

If you do not agree with any part of these Terms, please do not use our services.

1. Eligibility

To use our services, you must:

  • Be at least 18 years old

  • Have legal capacity to enter into a binding agreement

  • Provide accurate and complete KYC information

  • Comply with all applicable laws and regulations

We may restrict or deny access to any user who does not meet these conditions.

2. Account Registration and Security

When creating an account with Tracendia Trust:

  • You agree to provide true and up-to-date information

  • You are responsible for maintaining the confidentiality of your login credentials

  • You agree to notify us immediately if you suspect unauthorized access or use of your account

  • You may not share your account with anyone or use another person’s account without permission

We are not liable for losses arising from your failure to secure your account.

3. Services Offered

Tracendia Trust offers a variety of banking and financial services, including:

  • Personal and business banking

  • Savings and checking accounts

  • Loan applications and disbursement

  • Digital transfers and payments

  • Online and mobile banking features

Service availability may vary based on your location, eligibility, and regulatory approval.

4. Acceptable Use

You agree not to:

  • Use our services for illegal activities, including fraud, money laundering, or terrorist financing

  • Interfere with the operation of our website or app

  • Attempt to gain unauthorized access to our systems

  • Post or transmit harmful or offensive content through our platforms

  • Misuse our services to exploit or harm others

Violations may result in suspension, termination, or legal action.

5. Fees and Charges

Tracendia Trust may charge fees for certain services. All applicable fees will be:

  • Clearly communicated before you use a service

  • Deducted directly from your account where applicable

  • Subject to change with prior notice

A current list of fees can be found in your account dashboard or by contacting our support team.

6. Loan Terms and Repayment

If you apply for a loan through Tracendia Trust:

  • You must provide accurate financial and personal information

  • You agree to the terms and conditions specific to that loan

  • You are responsible for timely repayment based on the agreed schedule

  • Late payments may incur penalties and impact your credit rating

We reserve the right to take recovery action in accordance with applicable laws.

7. Privacy and Data Protection

We protect your data in accordance with our Privacy Policy. By using our services, you consent to the collection and use of your data as described in that policy.

We do not sell or share your personal information without consent, except as required by law or to deliver our services securely.

8. Intellectual Property

All content, branding, logos, software, and platform features are the property of Tracendia Trust or its licensors. You may not copy, reproduce, or redistribute our materials without written permission.

Using our services does not grant you ownership or rights to any part of our intellectual property.

9. Suspension and Termination

We may suspend or terminate your account if:

  • You violate these Terms or any applicable law

  • You provide false or incomplete information

  • Your activity poses a security or reputational risk to Tracendia Trust

  • Required KYC or compliance documents are not submitted or verified

You may close your account at any time by contacting our support team. Outstanding obligations will remain enforceable.

10. Limitation of Liability

To the maximum extent permitted by law:

  • Tracendia Trust is not liable for indirect, incidental, or consequential damages

  • We do not guarantee that our services will be uninterrupted, error-free, or immune from cyber threats

  • You use our platform at your own risk

We will not be responsible for delays or failures caused by circumstances beyond our control.

11. Indemnification

You agree to indemnify and hold harmless Tracendia Trust, its officers, employees, and affiliates from any claims, losses, or expenses arising out of:

  • Your use of our services

  • Your violation of these Terms

  • Your violation of applicable laws or third-party rights

12. Changes to These Terms

Tracendia Trust may revise these Terms at any time. Updated Terms will be posted on our website with a new effective date. Continued use of our services after changes are made means you accept the new Terms.

13. Governing Law and Disputes

These Terms are governed by the laws of the United States and the state in which Tracendia Trust is headquartered. Any disputes will be resolved through negotiation, and if necessary, through binding arbitration in accordance with applicable rules.

14. Contact Information

For questions, concerns, or notices under these Terms, contact us at info@tracendiatrust.com