These Terms & Conditions (“Terms”) govern your use of FnA Credit’s website, mobile applications, products and services (collectively, the “Services”). By accessing or using our Services you agree to be bound by these Terms. Please read them carefully.

1. Definitions

• "Authorized User" means you or any other person you permit to access your account.
• "Account" means any deposit, loan, or other financial account you establish with us.
• "Content" means all text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code.
• "You" and "Your" refers to any person who accesses or uses our Services.

2. Acceptance of Terms

By opening an account, using any Service, or visiting our website, you signify your acceptance of these Terms and our Privacy Policy. If you do not agree, you may not access or use our Services.

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts. Certain Services may have additional eligibility requirements, which will be disclosed at the time of application.

4. Accounts & Services

You agree to provide accurate, current, and complete information when opening an account or requesting Services. You must:

• Maintain the security of your login credentials and notify us immediately of any unauthorized account use.
• Keep your contact information up to date.
• Comply with all terms applicable to specific Services you use.

5. Digital & Mobile Banking

Our digital banking Services including Online Banking and Mobile Banking are provided subject to additional terms:

• You grant us permission to collect device information and use multi-factor authentication to secure your access.
• We may limit transaction types, dollar amounts, or frequency in our discretion.
• We are not liable for interruptions due to system maintenance or third-party network failures.

6. Fees & Charges

All applicable fees, charges, and transaction limits for your Accounts and Services will be disclosed in our Fee Schedule. We may amend fees upon notice to you as required by law.

7. Intellectual Property

All Content and trademarks belong to FnA Credit or our licensors. You may not copy, reproduce, distribute or create derivative works without our express written permission.

8. Privacy & Data Security

Our Privacy Policy explains how we collect, use, share, and protect your personal data. By using our Services, you consent to those practices.

9. Limitation of Liability

To the fullest extent permitted by law, FnA Credit and its affiliates will not be liable for any indirect, incidental, special or consequential damages arising from your use of our Services.

10. Indemnification

You agree to indemnify, defend and hold harmless FnA Credit and its employees from any claim or demand made by any third party due to or arising out of your breach of these Terms or your misuse of our Services.

11. Termination

We may suspend or terminate your access to any Service at our discretion, with or without notice, if you violate these Terms or for any other reason permitted by law.

12. Changes to These Terms

We may modify these Terms at any time. We will post the revised Terms with the “Last Updated” date at the top. Continued use of Services after changes constitutes your acceptance.

13. Governing Law

These Terms are governed by the laws of the state or country in which Pluton is headquartered, without regard to conflict of law principles.