Terms of Use

1. Acceptance of Terms

By accessing, registering for, or using BANKTO's platform, services, and related features (collectively, "Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not use our Services.

BANKTO reserves the right to modify these Terms at any time. Your continued use of the Services following the posting of changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

2. Eligibility & Account Registration

To use BANKTO's Services, you must:

• •Be at least 18 years of age or the legal age of majority in your jurisdiction
• •Have the legal capacity to enter into binding contracts
• •Not be a resident of or located in a jurisdiction where our Services are prohibited
• •Not be listed on any government sanctions list or designated as a terrorist organization
• •Provide accurate, complete, and current information during registration

You are responsible for maintaining the confidentiality of your account credentials and are liable for all activities conducted under your account. You agree to notify us immediately of any unauthorized use of your account.

3. Compliance & Regulatory Requirements

BANKTO operates in compliance with applicable financial regulations, anti-money laundering (AML) laws, and know-your-customer (KYC) requirements. By using our Services, you agree to:

• •Complete all required KYC and compliance verification procedures
• •Provide truthful, accurate, and current information in all compliance documents
• •Comply with all applicable laws, regulations, and sanctions requirements in your jurisdiction
• •Report any changes to your personal or business information promptly
• •Cooperate with regulatory investigations and audits as required

4. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• •Money laundering, terrorist financing, sanctions evasion, or other financial crimes
• •Fraud, misrepresentation, or deception in any transaction or interaction
• •Unauthorized access, hacking, or attempts to compromise platform security
• •Violation of intellectual property rights or proprietary information
• •Harassment, abuse, or threats directed at BANKTO staff or other users
• •Market manipulation, insider trading, or other securities violations
• •Use of the platform for illegal activities or in violation of applicable laws

5. Use of Services

BANKTO grants you a limited, non-exclusive, non-transferable license to access and use our Services for lawful purposes only. You agree to:

• •Use the Services solely for your own account and not on behalf of third parties without authorization
• •Not reverse-engineer, decompile, or attempt to derive the source code of our platform
• •Not use automated tools, bots, or scripts to access or scrape our Services
• •Not sublicense, sell, or transfer your account access to others
• •Not interfere with or disrupt the operation of our platform or services

6. Transaction Terms

When you initiate a transaction through BANKTO's platform, you agree to:

• •Provide accurate transaction details and counterparty information
• •Ensure you have authority to execute the transaction and transfer funds
• •Bear all transaction fees, exchange rates, and costs as disclosed
• •Acknowledge that transactions are generally irreversible once initiated
• •Accept settlement timelines and liquidity limitations as documented

7. Fees & Charges

BANKTO may charge fees for services rendered, including transaction fees, settlement fees, and administrative charges. All applicable fees will be disclosed prior to transaction execution. By proceeding with a transaction, you authorize BANKTO to deduct all applicable fees from your account.

BANKTO reserves the right to modify fee structures upon 30 days' written notice. Continued use of the Services following notice of fee changes constitutes acceptance of the new fee structure.

8. Intellectual Property Rights

All content, software, trademarks, logos, and intellectual property on BANKTO's platform are owned by BANKTO or its licensors. You are granted a limited license to view and use this content for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works without express written permission.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BANKTO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION.

IN NO EVENT SHALL BANKTO'S TOTAL LIABILITY EXCEED THE AMOUNT OF FEES YOU PAID TO BANKTO IN THE 12 MONTHS PRECEDING THE CLAIM.

10. Disclaimer of Warranties

BANKTO'S SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. BANKTO DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

BANKTO DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. YOU ASSUME ALL RISKS ASSOCIATED WITH YOUR USE OF THE SERVICES.

11. Indemnification

You agree to indemnify, defend, and hold harmless BANKTO and its officers, directors, employees, and agents from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your use of the Services, or your violation of any applicable law or third-party rights.

12. Suspension & Termination

BANKTO reserves the right to suspend or terminate your account and access to the Services at any time, with or without cause, and with or without notice. Grounds for suspension or termination include:

• •Violation of these Terms or applicable laws
• •Suspected fraud, money laundering, or financial crime
• •Regulatory or compliance concerns
• •Inactivity for an extended period
• •Failure to complete required compliance procedures

13. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where BANKTO is incorporated, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Services shall be resolved through binding arbitration in accordance with the rules of the International Chamber of Commerce (ICC).

By using BANKTO's Services, you waive your right to pursue claims in court and agree to submit disputes to arbitration.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15. Contact Us

If you have questions about these Terms of Use or wish to report a violation, please contact us: