Terms & Conditions

Last updated: 26 June 2025

1. Introduction

These Terms & Conditions (the "Terms") govern the access to and use of all digital banking services, products, and platforms (collectively, the "Services") provided by QnB Finans Bank ("we", "our", or "us"). By registering an account, initiating any transaction, or continuing to use the Services, you (the "Account Holder" or "you") acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations, including but not limited to Know-Your-Customer (KYC) and Anti-Money-Laundering (AML) requirements.

2. Definitions

  1. Account – The electronic profile created upon successful onboarding and KYC verification.
  2. Business Day – Any day other than weekends or public holidays on which banks are open for general business.
  3. Transaction – Any debit, credit, payment, transfer, or instruction executed through the Services.
  4. Balance – The net amount of cleared funds available within an Account at any given time.

3. Acceptance of Terms

Your use of the Services constitutes your unconditional acceptance of these Terms. If you do not agree, you must immediately discontinue use of the Services.

4. Eligibility & KYC

  1. You must be at least 18 years old and legally competent to open an Account.
  2. KYC verification—including provision of valid government-issued identification and proof of address—is mandatory prior to activating an Account.
  3. We reserve the right to reject, suspend, or close any Account that fails, or is suspected to fail, compliance with KYC/AML standards.

5. Account Maintenance

  1. You are responsible for safeguarding your login credentials and for all activities conducted under your Account.
  2. You must immediately notify us of any unauthorised access, security breach, or suspicious Transaction.
  3. Periodic re-verification of identity details may be requested to maintain compliance with regulatory requirements.

6. Transactions & Payments

  1. All Transactions are subject to real-time balance availability and applicable limits.
  2. Once confirmed, a Transaction is irrevocable. Requests for reversal will be handled on a best-efforts basis and may incur additional fees.
  3. We may refuse or delay a Transaction that breaches these Terms or raises fraud, AML, or sanctions concerns.

7. Fees, Interest & Charges

A schedule of fees—including but not limited to transfer fees, card replacement fees, and interest rates—will be displayed on our platform and may be amended from time to time. Any changes will be communicated at least 14 days prior to taking effect.

8. Security Obligations

  1. Two-factor authentication (2FA) is required for critical actions such as adding beneficiaries, changing limits, or processing high-value Transactions.
  2. You must ensure your devices are protected from malware and unauthorised access.
  3. We will never request your PIN or one-time password (OTP) via email or phone. Report any such attempts immediately.

9. Privacy & Data Protection

We process personal data in accordance with our Privacy Policy and relevant data-protection laws. By using the Services, you consent to such processing.

10. Intellectual Property

All content, trademarks, and proprietary information displayed via the Services remain our exclusive property. You may not reproduce, modify, or distribute any part of the Services without prior written consent.

11. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, or consequential damages arising out of or related to your use of the Services, including but not limited to loss of profits, data, or goodwill.

12. Indemnification

You agree to indemnify and hold us, our affiliates, officers, and employees harmless from any claims, liabilities, damages, or expenses arising from your breach of these Terms or misuse of the Services.

13. Suspension & Termination

  1. We may suspend or terminate your access to the Services with immediate effect if we reasonably believe you have violated these Terms or any applicable law.
  2. Upon termination, your right to use the Services will cease, but provisions relating to liability, indemnity, and intellectual property shall survive.

14. Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of California, USA, without regard to its conflict-of-law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts located in Santa Clara County, California.

15. Dispute Resolution

Before initiating litigation, both parties agree to attempt to resolve any dispute through good-faith negotiation and, if necessary, binding arbitration in accordance with the rules of the American Arbitration Association.

16. Contact Information

If you have questions about these Terms, please contact us at:
Email: compliance@inquiriefinansdept.com
Phone: +1 (800) 123-4567
Address: Istanbul Istanbul, Turkey

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