Terms of Service

Last Updated: October 17, 2025

1. Acceptance of Terms

By accessing and using the services provided by Samakana Trust Capital ("we," "us," or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

Samakana Trust Capital provides online banking services including but not limited to checking accounts, savings accounts, credit cards, personal loans, investment services, and payment transfer services. Our services are subject to change at any time without notice.

3. Eligibility

To use our services, you must:

• Be at least 18 years old
• Be a resident of the United States
• Provide accurate and complete information
• Maintain the accuracy of your information
• Comply with all applicable laws and regulations

4. Account Registration and Security

When you register for an account, you agree to:

• Provide truthful and accurate information
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use
• Accept responsibility for all activities under your account
• Use strong, unique passwords and enable multi-factor authentication

5. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Violating any applicable laws or regulations
• Attempting to gain unauthorized access to our systems
• Using our services for fraudulent or illegal purposes
• Transmitting harmful code or viruses
• Interfering with the proper functioning of our services
• Impersonating others or providing false information

6. Fees and Charges

We may charge fees for certain services as disclosed in our fee schedule. Fees may change with notice. You are responsible for all charges incurred under your account, including any unauthorized charges.

7. Electronic Communications

By using our services, you consent to receive electronic communications from us. These may include account statements, transaction notifications, and important updates about your account.

8. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices regarding the collection and use of your personal information.

9. Termination

We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use our services will cease immediately.

10. Disclaimers and Limitations of Liability

Our services are provided "as is" without warranties of any kind. We do not guarantee uninterrupted or error-free service. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, or consequential damages.

11. Indemnification

You agree to indemnify and hold harmless Samakana Trust Capital and its affiliates from any claims, losses, or damages arising from your use of our services or violation of these Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [State], without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of changes by posting the updated Terms on our website. Your continued use of our services after such changes constitutes acceptance of the new Terms.

14. Contact Information

If you have any questions about these Terms of Service, please contact us at: