Terms and Conditions

1. Account Registration and Security

1.1. You must be at least 18 years old to register for an account.

1.2. You agree to provide accurate, current, and complete information during registration.

1.3. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

1.4. You must immediately notify us of any unauthorized use of your account or security breach.

2. Services Provided

2.1. FNSTB provides digital financial services including but not limited to:

• Account management and banking services
• Money transfers and payments
• Investment services
• Loan and credit facilities
• Financial planning tools

2.2. All services are subject to regulatory requirements and may vary by jurisdiction.

3. User Responsibilities

3.1. You agree to use our services only for lawful purposes.

3.2. You must not use our platform for fraudulent activities, money laundering, or any illegal transactions.

3.3. You are responsible for all transactions initiated from your account.

3.4. You agree to comply with all applicable laws and regulations.

4. Fees and Charges

4.1. Certain services may incur fees as outlined in our separate Fee Schedule.

4.2. We reserve the right to modify fees with prior notice.

4.3. You authorize us to deduct applicable fees from your account.

5. Privacy and Data Protection

5.1. Your privacy is protected as outlined in our Privacy Policy.

5.2. We collect and process personal data in accordance with applicable data protection laws.

5.3. We implement security measures to protect your information, but cannot guarantee absolute security.

6. Intellectual Property

6.1. All content, trademarks, and software on our platform are our property or licensed to us.

6.2. You may not copy, modify, or distribute our content without written permission.

6.3. The FNSTB name and logo are registered trademarks.

7. Limitation of Liability

7.1. We are not liable for any indirect, incidental, or consequential damages.

7.2. Our total liability is limited to the fees you paid for services in the last 6 months.

7.3. We are not responsible for service interruptions beyond our reasonable control.

8. Account Termination

8.1. You may close your account at any time by following our closure procedure.

8.2. We reserve the right to suspend or terminate accounts for violation of these terms.

8.3. Upon termination, all outstanding fees must be settled.

9. Amendments

9.1. We may modify these terms at any time.

9.2. Changes will be effective upon posting on our platform.

9.3. Continued use after changes constitutes acceptance of modified terms.

11. Contact Information

For questions about these Terms and Conditions, please contact:

• Email: legal@fnstb.com

12. Risk Disclosure

12.1. Financial investments carry risk, including possible loss of principal.

12.2. Past performance does not guarantee future results.

12.3. You should seek independent financial advice before making investment decisions.