Terms and Conditions

1. Introduction

Welcome to Cygnus-A2 (the “Bank”). These Terms and Conditions (“Terms”) govern your use of our digital banking services (the “Services”) available through our website and mobile application. By accessing or using our Services, you agree to be bound by these Terms.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a contract to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.

3. Account Registration

To access our Services, you must register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information as necessary to keep it accurate, current, and complete.

4. Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

5. Use of Services

You agree to use our Services only for lawful purposes and in accordance with these Terms. You are prohibited from:

• Using the Services in any manner that could disable, overburden, or impair the Services.

• Using any robot, spider, or other automatic device, process, or means to access the Services for any purpose.

• Introducing any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

6. Fees and Charges

You agree to pay all fees and charges associated with your use of our Services as outlined in our Fee Schedule. We reserve the right to change our fees and charges at any time, with prior notice to you.

7. Intellectual Property

All content and materials available on our Services, including but not limited to text, graphics, logos, icons, images, and software, are the property of the Bank or our licensors and are protected by copyright, trademark, and other intellectual property laws.

8. Limitation of Liability

To the fullest extent permitted by law, the Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our Services.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Bank, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Services.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which you reside, without regard to its conflict of law principles.

11. Changes to Terms

We may revise these Terms at any time by updating this page. By continuing to use our Services after such changes are posted, you agree to be bound by the revised Terms.

12. Contact Information

If you have any questions about these Terms, please contact us at [email address].