Clear terms for responsible banking.

These Terms and Conditions form an agreement between you and Ever Safe Global regarding your access to and use of the website, online banking platform and supported services.

By using the website or creating an account, you confirm that you have read, understood and agreed to comply with these terms.

You must meet the applicable legal, identity, account and service requirements before opening or using an account.

• You must provide complete and accurate registration and account information.
• You must be legally permitted to use the requested banking or financial service.
• Additional identification or supporting documents may be required.
• Services may be unavailable in some locations or to certain categories of customers.
• Accounts for minors may require the consent or involvement of an eligible parent or guardian.

You are responsible for protecting your account credentials and maintaining control of the devices used to access your account.

• Keep your password, PIN and verification codes private.
• Do not allow another person to use your account credentials.
• Use strong and unique passwords.
• Sign out after using online banking on shared or public devices.
• Contact support promptly if you suspect unauthorized access or unfamiliar activity.

You agree to use the website and supported services lawfully and only for legitimate personal or business banking purposes.

You must not:

• Use the website for fraud, money laundering, unlawful activity or unauthorized transactions.
• Attempt to bypass account security, authentication or access controls.
• Introduce malware, harmful code or automated attacks.
• Misrepresent your identity or submit false information.
• Interfere with the operation, security or availability of the website.

Transaction availability, processing times, fees, limits and confirmation requirements may depend on the selected service, destination, currency, receiving institution and applicable review.

• You are responsible for checking payment and recipient details before submission.
• Some transactions may require additional verification.
• A transaction may be delayed, declined or reviewed where required for security, compliance or operational reasons.
• Completed or processed transactions may not always be reversible.
• Applicable charges or limits should be shown before completion where supported.

By providing an email address, telephone number or other contact information, you agree that Ever Safe Global may send account, security, transaction and service-related communications through supported channels.

You are responsible for keeping your contact information accurate and current.

Personal information may be collected, used and protected in accordance with the applicable Privacy Policy and relevant legal obligations.

For more information about website data, cookies and privacy practices, review the Privacy Policy .

The website and supported services may occasionally be unavailable due to maintenance, updates, technical issues, network failures, security events or circumstances outside reasonable control.

Ever Safe Global may modify, suspend or discontinue a feature where reasonably necessary for security, legal, operational or service-related reasons.

Website content, branding, design, graphics, text, software and related materials may be protected by intellectual-property laws.

You may not copy, distribute, reproduce, modify or commercially use protected materials without appropriate permission.

To the extent permitted by applicable law, Ever Safe Global is not responsible for losses caused solely by circumstances outside its reasonable control, incorrect information supplied by a customer, compromised customer credentials or misuse of the website.

Nothing in these terms is intended to exclude or restrict any responsibility that cannot legally be excluded or restricted.

Access to an account or service may be restricted, suspended or terminated where reasonably necessary because of:

• Suspected fraud or unauthorized activity.
• A breach of these terms.
• Inaccurate or unverifiable account information.
• Security, legal, regulatory or compliance requirements.
• Misuse of the website or supported services.

These Terms and Conditions may be updated from time to time to reflect changes in services, security, operations or applicable requirements.

The updated version will become effective when published or on another date clearly stated in the updated terms.