Terms of Service

1. Acceptance of Terms

By accessing, registering for, or using any Service offered by Orine Credit Bank LTD, you agree to comply with and be bound by these Terms, as well as any additional agreements, disclosures, fee schedules, or policies applicable to specific products or services.

If you do not agree to these Terms, you must discontinue use of our Services immediately.

2. Eligibility and Account Opening

To open and maintain an account with Orine Credit Bank LTD, you must:

• Be at least eighteen (18) years of age or the legal age of majority in your jurisdiction.
• Provide accurate, complete, and current information.
• Submit valid identification and documentation as required by law.
• Comply with all applicable local, state, federal, and international laws and regulations.

We reserve the right to refuse account applications, limit services, or close accounts at our discretion, subject to applicable law.

3. Account Maintenance and Security

You are responsible for maintaining the confidentiality and security of your account credentials, including usernames, passwords, PINs, and authentication codes.

You agree to:

• Safeguard your login credentials.
• Not share your account access with unauthorized individuals.
• Notify us immediately of any suspected unauthorized access, fraud, or security breach.

Orine Credit Bank LTD is not responsible for losses resulting from your failure to maintain the security of your account information.

4. Banking Services and Fees

Orine Credit Bank LTD provides a range of financial products and services, which may include:

• Savings and checking accounts.
• Online and mobile banking services.
• Consumer and commercial loan products.
• Investment and wealth management services.
• Credit and debit card services.

Specific terms, conditions, interest rates, and fees applicable to each product are disclosed in separate account agreements, disclosures, and fee schedules. By using a specific product, you agree to the terms governing that product. We reserve the right to modify, suspend, or discontinue any Service at any time, subject to applicable notice requirements.

5. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information are governed by our Privacy Policy.

By using our Services, you acknowledge that you have reviewed and understand our Privacy Policy.

6. Electronic Communications and Consent

By using our Services, you consent to receive communications from Orine Credit Bank LTD electronically, including account statements, transaction confirmations, legal disclosures and notices, and service updates and alerts.

Electronic communications may be delivered via email, secure online messages, mobile notifications, or through our website. You are responsible for maintaining accurate contact information and ensuring access to electronic communications.

7. Limitation of Liability

To the fullest extent permitted by law, Orine Credit Bank LTD shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of the Services.

Our total liability for any claim arising under these Terms shall be limited to the amount of fees paid by you for the relevant Service, except where prohibited by law.

Nothing in these Terms limits liability where such limitation is not permitted under applicable law.

8. Suspension and Termination

We reserve the right to suspend, restrict, or terminate your access to our Services if:

• You violate these Terms.
• We suspect fraudulent, unlawful, or unauthorized activity.
• Required by law or regulatory authority.

You may close your account at any time, subject to applicable procedures and settlement of outstanding obligations.

9. Amendments to Terms

We may revise or update these Terms periodically to reflect changes in legal requirements, regulatory guidance, or business practices. Updated Terms will be posted on our website with a revised Effective Date.

Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.

Any disputes arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the state and federal courts located in New York, unless otherwise required by applicable law.