Terms & Conditions

1. Introduction

Welcome to GTF-GROUP. These Terms and Conditions ("Terms") govern your use of our website, mobile applications, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

GTF-GROUP is a licensed financial institution regulated by the European Central Bank and national financial authorities. We provide digital banking services including accounts, cards, transfers, and loans.

2. Eligibility

To use our Services, you must:

• Be at least 18 years old
• Be a resident of a country where we offer our Services
• Have the legal capacity to enter into contracts
• Provide accurate and complete information during registration

3. Account Registration

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

4. Services Description

4.1 Banking Services

We offer various banking services including but not limited to current accounts, savings accounts, debit cards, credit cards, and money transfers. Specific terms for each service are provided when you sign up for that service.

4.2 Card Services

Our card services are subject to additional terms and conditions provided at the time of card issuance. You agree to use cards only for lawful purposes and in accordance with card network rules.

4.3 Transfer Services

Money transfers are subject to regulatory requirements, including anti-money laundering checks. We reserve the right to delay or refuse transfers that do not comply with applicable laws.

5. Fees and Charges

Our current fee schedule is available on our website and in our mobile app. We may change our fees with 30 days notice. You are responsible for all fees associated with your use of our Services.

6. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you consent to our data practices as described in the Privacy Policy.

7. Security

We implement industry-standard security measures to protect your account and information. However, you are responsible for:

• Keeping your login credentials secure
• Using strong, unique passwords
• Enabling two-factor authentication
• Reporting suspicious activity immediately

8. Prohibited Activities

You agree not to:

• Use our Services for illegal purposes
• Violate any applicable laws or regulations
• Engage in fraud or money laundering
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our Services

9. Intellectual Property

All content, trademarks, and other intellectual property rights in our Services are owned by GTF-GROUP or our licensors. You may not use our intellectual property without our prior written consent.

10. Liability

To the extent permitted by law, we limit our liability for any damages arising from your use of our Services. We are not liable for indirect, incidental, or consequential damages.

11. Indemnification

You agree to indemnify and hold GTF-GROUP harmless from any claims, damages, or expenses arising from your violation of these Terms or your use of our Services.

12. Termination

We may terminate or suspend your account at any time for violation of these Terms or for any other reason permitted by law. You may close your account at any time by contacting customer support.

13. Governing Law

These Terms are governed by the laws of Luxembourg and the European Union. Any disputes will be resolved in the courts of Luxembourg.

14. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes via email or through our Services. Your continued use of our Services after changes indicates your acceptance of the updated Terms.

15. Contact Information

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

GTF-GROUP
Legal Department
123 Financial Street
L-1234 Luxembourg
Email: legal@gtf-group.xyz
Phone: +352 123 456 789