Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into a binding contract
• Provide accurate, current, and complete information during registration
• Not be prohibited from using our Services under applicable laws

Account Registration and Security

Account Creation

When creating an account with Auralis Trust Bank, you agree to:

• Provide truthful, accurate, and complete information
• Maintain and promptly update your account information
• Keep your login credentials confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

Account Security

You are responsible for maintaining the security of your account. We recommend:

• Using a strong, unique password
• Enabling multi-factor authentication
• Never sharing your credentials with others
• Logging out after each session, especially on shared devices
• Regularly monitoring your account for suspicious activity

Use of Services

Permitted Use

You may use our Services only for lawful purposes and in accordance with these Terms. You agree:

• To comply with all applicable laws and regulations
• To use the Services for personal or business banking purposes
• To provide accurate information for all transactions
• To maintain sufficient funds for authorized transactions

Prohibited Activities

You may NOT use our Services to:

• Engage in fraudulent, illegal, or unauthorized activities
• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to our systems
• Transmit viruses, malware, or harmful code
• Impersonate any person or entity
• Interfere with or disrupt our Services

Fees and Charges

Certain Services may be subject to fees and charges as outlined in our Fee Schedule. By using fee-based Services, you agree to pay all applicable fees. We reserve the right to:

• Modify our fees with reasonable notice
• Automatically deduct fees from your account
• Charge fees for insufficient funds or overdrafts
• Impose fees for account maintenance and services

Transactions and Transfers

All transactions are subject to our approval and verification processes. We reserve the right to:

• Decline or reverse any transaction for security or compliance reasons
• Place holds on funds as required by law or policy
• Request additional verification for large or unusual transactions
• Set daily, weekly, or monthly transaction limits

You are responsible for ensuring accuracy of all transaction details. Errors should be reported immediately for timely resolution.

Account Termination

By You

You may close your account at any time by contacting customer service. You remain responsible for all outstanding obligations and fees.

By Us

We may suspend or terminate your account if:

• You violate these Terms or applicable laws
• We detect fraudulent or suspicious activity
• Your account remains inactive for an extended period
• Required by law or regulatory authority
• We discontinue our Services

Dispute Resolution

Any disputes arising from these Terms or your use of our Services shall be resolved through:

1. Good faith negotiation between the parties
2. Binding arbitration if negotiation fails
3. Governing law of the State of New York

Changes to These Terms

We may modify these Terms at any time. We will notify you of significant changes via email or through a notice on our website. Your continued use of our Services after such changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must discontinue use of our Services.

Entire Agreement

These Terms, together with our Privacy Policy and any other agreements you enter into with Auralis Trust Bank, constitute the entire agreement between you and us regarding your use of our Services.