Legal Terms

These Legal Terms ("Terms") govern your access to and use of America Royal Bank's online banking platform, mobile experience, and related services (collectively, the "Services"). Please read them carefully. By creating an account, applying for a product, or otherwise using the Services, you agree to be bound by these Terms and any policies referenced within them.

Acceptance of terms

Access to the Services is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, applicants, and account holders. If you do not agree with any part of these Terms, you may not access the Services.

Where a specific product or feature (such as a credit card, domestic transfer, or international transfer) has its own supplemental terms, those terms are incorporated into this agreement by reference and govern in the event of a conflict with these general Terms, solely with respect to that product or feature.

Account eligibility

You must meet the following criteria to open and maintain an account with America Royal Bank:

• Be at least 18 years of age at the time of application
• Be a legal resident of the United States with a valid US mailing address
• Provide a valid Social Security number or Individual Taxpayer Identification Number
• Provide a government-issued form of identification for verification purposes
• Not be listed on any government watchlist or subject to sanctions that would prohibit account opening

All accounts are subject to identity verification as required by the USA PATRIOT Act and other applicable federal law. We reserve the right to decline an application or close an account where eligibility cannot be confirmed.

Use of services

You agree to use the Services only for lawful purposes and in accordance with these Terms. You are responsible for maintaining the confidentiality of your login credentials, transaction PIN, and any one-time verification codes, and for all activity that occurs under your account, whether or not authorized by you, except to the extent otherwise required by applicable law.

You agree not to:

• Use the Services for any illegal purpose, including money laundering or terrorist financing
• Attempt to gain unauthorized access to any account other than your own
• Interfere with or disrupt the integrity or performance of the Services
• Reverse engineer, decompile, or attempt to extract the source code of any part of the platform

Deposits and funds availability

Funds deposited into your account are generally made available according to our standard funds availability schedule, which may vary based on the deposit method, the amount, and your account history. Longer holds may apply to large deposits, new accounts, or deposits we have reason to believe are uncollectible. We will notify you if a hold is placed on a deposit and when the funds will be available.

Fees and charges

Applicable fees for accounts, cards, and transfers are disclosed at the time you open an account or request a service, and are also available on the relevant product page of this website. Fee schedules may change from time to time; where required by law, we will provide advance notice before a change takes effect. Continued use of an account after a fee change becomes effective constitutes acceptance of the new fee schedule.

Electronic communications

By using the Services, you consent to receive disclosures, statements, and other communications electronically, including by email, SMS, or in-app notification. You are responsible for keeping your contact information current so that you continue to receive these communications. You may withdraw consent to electronic communications for certain disclosures as described in our Privacy & Security policy, though doing so may limit your ability to use some Services.

Limitation of liability

To the fullest extent permitted by applicable law, America Royal Bank and its affiliates, officers, and employees are not liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services, even if advised of the possibility of such damages. Nothing in this section limits any liability that cannot be excluded or limited under applicable law, including liability arising from our own fraud or gross negligence.

Indemnification

You agree to indemnify and hold harmless America Royal Bank and its affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your breach of these Terms, your misuse of the Services, or your violation of any applicable law.

Suspension and termination

We may suspend or close your account, in whole or in part, at any time and for any reason permitted by law, including suspected fraud, a violation of these Terms, or a legal or regulatory requirement. Where practical, we will provide notice before taking such action. You may close your account at any time by contacting support, subject to settlement of any outstanding balances or pending transactions.

Dispute resolution

If you have a concern about your account or a transaction, please contact our support team first so we can work to resolve it directly. Any dispute that cannot be resolved informally may be subject to the dispute resolution procedures described in your account agreement, including applicable arbitration provisions where permitted by law.

Changes to these terms

We may update these Terms from time to time to reflect changes in our Services, legal requirements, or business practices. Where required by law, we will provide advance notice of material changes. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

Contact information

Questions about these Terms can be directed to our support team through the Contact page, or by phone or email using the details listed there.

This is placeholder legal copy and should be reviewed by legal counsel before publication.