Terms of Service

1. Acceptance of Terms

By accessing or using iBnk™'s services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

iBnk™ provides cross-border payment services for e-commerce sellers, including multi-currency accounts, foreign exchange conversion, and international fund transfers. Our services are designed to help businesses receive payments from global marketplaces and pay suppliers worldwide.

3. Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a registered business entity in good standing
• Complete our identity verification process (KYC)
• Not be located in a sanctioned country or jurisdiction

4. Account Responsibilities

You are responsible for:

• Maintaining the security of your account credentials
• All activities that occur under your account
• Providing accurate and up-to-date information
• Complying with all applicable laws and regulations

5. Fees and Charges

Our fees are transparent and disclosed at the time of each transaction. You agree to pay all applicable fees for the services you use. Fee schedules are available on our pricing page and may be updated from time to time with prior notice.

6. Prohibited Activities

You may not use our services for:

• Money laundering or terrorist financing
• Fraudulent transactions
• Illegal goods or services
• Violation of intellectual property rights
• Any activity that violates applicable laws

7. Limitation of Liability

To the maximum extent permitted by law, iBnk™ shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

8. Termination

We reserve the right to suspend or terminate your account at any time if we believe you have violated these terms or for any other reason at our discretion. You may also close your account at any time by contacting our support team.

9. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of any material changes by posting the new terms on our website. Your continued use of our services after such changes constitutes acceptance of the new terms.

10. Contact Us

If you have any questions about these Terms of Service, please contact us at support@ibnk.xyz