The following is the iB-EX digital banking Terms of Use (“Agreement”), a comprehensive and binding agreement between you and iB-EX. By using any of the services provided by iB-EX, you agree to be bound by this Agreement.

1. Description of Services

iB-EX is a digital bank that provides a range of financial services to its clients. These services include but are not limited to account management, online banking, mobile banking, international money transfers, and investment opportunities.

2. Eligibility

To be eligible for iB-EX services, you must be at least 18 years of age and legally able to enter into agreements. You must also provide accurate and complete information about yourself during the account registration process.

3. Account Security

You are solely responsible for maintaining the security of your iB-EX account information, including your login credentials and any personal identification numbers (PINs). You must take all reasonable precautions to prevent unauthorized access to your account.

4. Prohibited Activities

You may not use iB-EX services for any illegal or fraudulent activities. This includes, but is not limited to, money laundering, terrorist financing, and the purchase or sale of illegal goods or services.

5. Fees

iB-EX reserves the right to charge fees for its services. These fees will be disclosed to you before you use the service. You are responsible for all fees associated with your use of iB-EX services.

6. Termination

iB-EX reserves the right to terminate your account and/or access to its services at any time and for any reason. You may also terminate this Agreement at any time by contacting iB-EX customer support.

7. Disclaimer of Warranties

iB-EX makes no representations or warranties, express or implied, regarding the availability, reliability, or accuracy of its services. iB-EX shall not be liable for any damages arising from the use of its services.

8. Limitation of Liability

iB-EX’s liability to you for any damages arising from its services shall be limited to the amount of fees paid by you to iB-EX for the service in question.

9. Indemnification

You agree to indemnify and hold iB-EX harmless from any and all claims, damages, expenses, or losses arising from your use of its services.

10. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the jurisdiction in which iB-EX is located. Any disputes arising from this Agreement shall be resolved through binding arbitration in accordance with the rules of the jurisdiction in which iB-EX is located.

By using iB-EX’s services, you agree to be bound by this Agreement and acknowledge that you have read and understood all of its terms and conditions.