These terms govern the opening, maintenance, and use of all accounts with CrestView Standard Bank ("the Bank"). By opening an account with us, you agree to be bound by these terms.

The Bank reserves the right to:

• Accept or decline any application for an account at our sole discretion
• Require additional documentation or verification at any time
• Limit account features or services based on risk assessment
• Close any account that violates these terms or applicable laws

This section outlines the terms governing our banking services, including deposits, withdrawals, transfers, and payment services.

Transaction Processing

All transactions are subject to verification and may be delayed or refused at the Bank's discretion. The Bank reserves the right to:

• Place holds on deposited funds as specified in our Funds Availability Policy
• Require additional verification for large or unusual transactions
• Refuse any transaction that appears suspicious or violates applicable laws
• Set daily, weekly, or monthly transaction limits for security purposes

Payment Services

When you authorize payments from your account, you agree that:

• You have sufficient funds available at the time of authorization
• The Bank may charge fees for returned or rejected payments
• Recurring payments will continue until you cancel the authorization
• You are responsible for keeping your payment information current

All fees, charges, and interest rates are detailed in our separate Fee Schedule, which forms part of these Terms & Conditions.

Interest Calculations

Interest is calculated daily and paid monthly unless otherwise specified. The Bank may change interest rates with 30 days' notice. Special promotional rates may have specific terms and expiration dates.

Our digital banking services, including online banking and mobile applications, are subject to these additional terms.

Service Availability

The Bank strives to maintain 99.8% digital service availability but does not guarantee uninterrupted access. Maintenance, system updates, or unforeseen circumstances may cause temporary service interruptions.

Electronic Communications

By using our digital services, you consent to receive electronic communications, including statements, notices, and disclosures. You are responsible for ensuring your email and contact information remain current.

This section outlines security protocols, liability limitations, and fraud protection policies.

Liability Limitations

The Bank's liability is limited as follows:

• We are not liable for losses due to circumstances beyond our reasonable control
• Our liability for errors is limited to correcting the error and refunding any associated fees
• We are not responsible for third-party services or systems
• You may be liable for unauthorized transactions if you fail to meet security responsibilities

Your privacy is important to us. This section explains how we collect, use, and protect your personal information.

Data Sharing

We may share your information with:

• Credit reference and fraud prevention agencies
• Regulatory bodies as required by law
• Service providers who assist in delivering our services
• Other financial institutions for payment processing

We never sell your personal information to third parties for marketing purposes.

Either party may terminate the account relationship in accordance with these terms.

Customer-Initiated Closure

You may close your account at any time by:

• Visiting a branch with valid identification
• Submitting a written request through secure messaging
• Following the account closure process in digital banking

All outstanding balances and fees must be settled before closure. Any remaining funds will be transferred to your nominated account.

Bank-Initiated Closure

The Bank may close your account with 30 days' written notice if:

• You violate these Terms & Conditions
• The account is used for illegal or fraudulent activity
• You provide false or misleading information
• The account poses a security risk
• The account remains inactive for an extended period

This section outlines the process for resolving disputes and complaints.

Governing Law & Jurisdiction

These Terms & Conditions are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Force Majeure

Neither party shall be liable for failure to perform obligations due to circumstances beyond reasonable control, including natural disasters, war, terrorism, or major system failures.