Terms of Service

These Terms of Service ("Terms") govern your access to and use of Crown Ridge Bank's website, digital banking services, and related applications (collectively, the "Services"). By opening an account or using the Services, you agree to be bound by these Terms.

1 Eligibility

To use Crown Ridge Bank's Services, you must be at least 18 years old, be a legal resident of a jurisdiction where our Services are offered, and provide accurate, current, and complete information during account opening. We may refuse or terminate services to anyone who does not meet these requirements.

2 Your Account

You are responsible for:

• Maintaining the confidentiality of your login credentials and transaction PIN.
• All activity that occurs under your account.
• Notifying us immediately if you suspect unauthorized access or fraud.
• Keeping your contact information up to date.

We may suspend or close your account if we detect suspicious activity, violation of these Terms, or as required by law.

3 Deposits and Withdrawals

Deposits may be made using supported cryptocurrencies and are subject to verification before funds are credited. Withdrawals are processed manually and require accurate bank details. Crown Ridge Bank is not responsible for delays caused by:

• Incorrect bank details or account information you provide.
• Delays from third-party banks or payment networks.
• Cryptocurrency network congestion or failures.

4 Transfers

Internal transfers between Crown Ridge Bank users are instant and confirmed using your transaction PIN. Once a transfer is confirmed, it is final. Crown Ridge Bank cannot reverse completed transfers between users. If you believe you sent money in error, contact support immediately — we may be able to help mediate but cannot guarantee recovery.

5 Payment Handles

You may claim one personal payment handle (@username). Handles must be between 3 and 20 characters, cannot impersonate other people or businesses, and cannot use reserved names. Handles may be changed once every 30 days. We reserve the right to revoke a handle that violates these rules without prior notice.

6 Prohibited Activities

You agree not to use Crown Ridge Bank's Services to:

• Violate any applicable federal, state, or international law.
• Launder money, finance terrorism, or engage in fraudulent activity.
• Impersonate another person or entity.
• Attempt to gain unauthorized access to other users' accounts or our systems.
• Interfere with the proper operation of the Services.

7 Fees

Crown Ridge Bank does not charge monthly maintenance fees. Certain transaction fees may apply and are disclosed at the time of the transaction. Fees are subject to change with 30 days' notice.

8 Limitation of Liability

To the maximum extent permitted by law, Crown Ridge Bank is not liable for indirect, incidental, special, or consequential damages arising from your use of the Services. Our total liability for any claim arising from these Terms is limited to the amount of fees you paid us in the 12 months preceding the claim.

9 Termination

You may close your account at any time by contacting support. We may suspend or terminate your access to the Services at any time for violation of these Terms or as required by law. Upon termination, any remaining balance will be returned to you after all pending transactions are settled.

10 Governing Law

These Terms are governed by the laws of the State of New York and applicable federal law. Any dispute will be resolved in the courts of New York County, New York, unless otherwise required by law.