Short version: By creating an account or using Neobank’s website, mobile apps, or APIs (the “Services”), you agree to these Terms. Neobank is a technology platform, not a bank and not a broker or investment adviser. Some features may be provided by regulated third‑party service providers (collectively, “Licensed Partners”). Using the Services involves risk; do not use them if you do not accept these Terms.

1) Who we are

Neobank ("Neobank," "we," "us," or "our") is a financial‑technology platform operated by [Company Legal Name], a company formed under the laws of [Country/State] with its principal place of business at [Address]. Contact: legal@neobank.io.

2) Acceptance of Terms

By accessing or using the Services, you agree to be bound by these Terms and any policies referenced here (collectively, the “Agreement”). If you do not agree, do not use the Services. We may update these Terms from time to time. Material changes will be notified by posting an updated version with a new effective date. Your continued use constitutes acceptance.

3) Eligibility & Restricted Use

You must be 18+ (or the age of majority in your jurisdiction) and capable of forming a binding contract. You may not use the Services if: (a) you are located in a jurisdiction where we or our Licensed Partners do not operate; (b) you are on any sanctions or restricted‑party list; or (c) your use would violate applicable law.

4) Account Registration & Security

You are responsible for the accuracy of information you provide and for maintaining the confidentiality of your login credentials, devices, and any keys or passphrases. Promptly notify us of any suspected unauthorized use. You are responsible for all activities under your account unless caused by our breach of this Agreement.

5) Services; Platform Role; Beta Features

Neobank provides software interfaces for viewing, analyzing, and managing financial information, and for connecting you with Licensed Partners who may offer regulated services (e.g., payment processing, on/off‑ramping, brokerage, custody, or card issuance). Neobank itself does not hold customer funds, execute trades, or issue cards unless explicitly stated in product‑specific terms. Certain features may be released as beta, pre‑release, or experimental; they may change, break, or be withdrawn without notice.

6) Not a Bank; No Advisory

Neobank is not a bank, credit institution, investment firm, broker‑dealer, investment adviser, or money transmitter. No banking, investment, or tax advice is provided. Any informational content, analytics, or automated suggestions are for informational purposes only and do not constitute a recommendation to buy, sell, or hold any asset.

7) Licensed Partners & Third‑Party Services

Some Services are provided by Licensed Partners. Your use of those features may require agreeing to additional terms or disclosures from such partners. Where we pass through your information, we do so as described in our Privacy Policy. We are not responsible for third‑party websites or services unless expressly stated.

8) KYC/AML; Compliance Reviews

To use certain features, you may be required to complete identity verification and provide information for compliance with anti‑money laundering (AML), counter‑terrorist financing (CTF), sanctions, and fraud‑prevention laws. We and our Licensed Partners may approve, decline, suspend, or terminate access at our discretion to meet legal or risk obligations.

9) Asset & Market Risks

Digital assets and markets are volatile and may lose value rapidly. Past performance does not guarantee future results. Network congestion, smart‑contract bugs, forks, or third‑party failures can lead to loss. You are solely responsible for your decisions and for maintaining backups of any private keys or recovery phrases used with non‑custodial wallets.

10) Fees & Taxes

We may charge fees for certain features. Fees will be disclosed in‑product or in a fee schedule. You are responsible for any taxes arising from your use of the Services and for keeping your own records.

11) Acceptable Use & Prohibited Activities

You agree not to:

• use the Services for unlawful activity, including fraud, sanctions evasion, or money laundering;

• interfere with or disrupt the Services or attempt to bypass security or rate limits;

• use bots or scraping except via permitted APIs;

• infringe intellectual‑property, privacy, or publicity rights;

• upload malicious code or content that is deceptive, defamatory, or obscene;

• misrepresent affiliation with Neobank or our Licensed Partners;

• use the Services to provide unauthorized financial services.

12) Intellectual Property

The Services, including software, interfaces, designs, trademarks, and content, are owned by us or our licensors. You are granted a limited, revocable, non‑exclusive, non‑transferable license to access and use the Services for their intended purpose. All rights not expressly granted are reserved.

13) User Content & Feedback

If you upload content or provide feedback, you grant Neobank a worldwide, royalty‑free license to use, host, reproduce, and display such content to operate and improve the Services. You represent you have all rights needed to grant this license. We may use feedback without restriction or attribution.

14) Service Changes; Suspension; Termination

We may change, suspend, or discontinue any part of the Services at any time. We may suspend or terminate your access immediately for suspected violations of this Agreement, legal risk, or at the request of authorities or Licensed Partners. Upon termination, sections that by their nature should survive (e.g., IP, disclaimers, liability, arbitration) will survive.

15) Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ERROR‑FREE, SECURE, OR UNINTERRUPTED.

16) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEOBANK AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND SUPPLIERS SHALL NOT BE LIABLE FOR (A) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; OR (B) ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL; OR (C) ANY AMOUNT EXCEEDING THE GREATER OF US$100 OR THE FEES YOU PAID TO NEOBANK IN THE 12 MONTHS PRECEDING THE CLAIM.

17) Indemnification

You will defend, indemnify, and hold harmless Neobank and its affiliates from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your breach of this Agreement or misuse of the Services.

18) Governing Law; Dispute Resolution

This Agreement is governed by the laws of [Governing Law: Country/State], excluding conflict‑of‑law rules. Any dispute will be resolved in the courts (or, if elected by Neobank, binding arbitration) located in [Venue]. If arbitration is used, it will be conducted on an individual basis under [Arbitration Rules/Provider]. Class actions are waived to the maximum extent permitted by law. Consumers in jurisdictions that prohibit arbitration or class‑action waivers retain their non‑waivable rights.

19) International Use

You are responsible for complying with local laws. We do not represent that the Services are appropriate or available in all jurisdictions. Access may be limited by us or our Licensed Partners.

20) Miscellaneous

This Agreement is the entire agreement between you and Neobank. If any provision is unenforceable, it will be modified to the minimum extent necessary; the remainder remains in effect. You may not assign this Agreement without our consent. We may assign to an affiliate or in connection with a merger or sale. Failure to enforce is not a waiver. Notices may be sent to the email associated with your account or posted in‑product.

21) Contact

Questions about these Terms: legal@neobank.io