Last Updated: 8/2/2025
Welcome to Estovvia. These Terms of Service ("Terms") govern your access to and use of our website, mobile application, and other digital banking platforms (collectively, the “Services”). By using our Services, you agree to comply with these Terms.
If you do not agree with any part of these Terms, please do not use our Services.
1. Eligibility
To use our Services, you must:
- Be at least 18 years old
- Have the legal capacity to enter into a binding contract
- Provide accurate and complete registration information
We may suspend or terminate your access if we discover any false information or misuse of the Services.
2. Account Registration and Security
When creating an account, you agree to:
- Provide true, current, and complete personal and financial details
- Keep your login credentials confidential
- Immediately report any unauthorized use or security breach
You are responsible for all activities that occur under your account, including those resulting from unauthorized access.
3. Use of Services
You may use our Services for lawful banking and financial purposes only. You agree not to:
- Violate any laws or regulations
- Use the Services to engage in fraud, money laundering, or other criminal activities
- Upload or transmit viruses, malware, or harmful code
- Attempt unauthorized access to other users’ accounts or our systems
We reserve the right to suspend or permanently disable access for violating these Terms.
4. Fees and Charges
Certain services may incur fees. These will be clearly communicated during transactions or in your account dashboard. By using such services, you authorize Estovvia to deduct applicable charges from your account.
You are responsible for all applicable fees, taxes, or levies associated with your use of the Services.
5. Transaction Processing
- All financial transactions are subject to verification and may be delayed due to compliance reviews or fraud checks.
- We reserve the right to refuse or reverse transactions where necessary to comply with legal obligations or prevent fraud.
- You are responsible for ensuring the accuracy of all payment instructions.
6. Intellectual Property
All content, branding, and technology used in our Services are the intellectual property of Estovvia or its licensors.
You may not reproduce, distribute, modify, or create derivative works from any part of the Services without our prior written consent.
7. Privacy and Data Protection
Our handling of your personal information is governed by our Privacy Policy. By using the Services, you consent to our data practices.
We take data security seriously and implement measures to safeguard your information. However, no system is fully secure, and we encourage users to take personal precautions such as enabling 2FA.
8. Suspension and Termination
We may suspend or terminate your access to the Services:
- If you breach these Terms
- For legal or regulatory compliance
- To protect the security or integrity of the platform
- If your account remains inactive for a prolonged period
You may also close your account at any time by contacting customer support.
9. Limitation of Liability
To the maximum extent permitted by law, Estovvia shall not be liable for:
- Indirect, incidental, or consequential damages
- Loss of data, profits, or business opportunities
- Errors, delays, or interruptions in the Services
Your sole remedy for dissatisfaction with the Services is to stop using them.
10. Indemnification
You agree to indemnify and hold harmless Estovvia, its affiliates, employees, and partners from any claims, losses, or liabilities arising from your:
- Use or misuse of the Services
- Violation of these Terms
- Breach of applicable laws or rights of third parties
11. Modifications to Terms
We may update these Terms periodically. When we do, we will update the "Last Updated" date and notify users via email or in-app alerts where appropriate.
Continued use of the Services after any updates constitutes your acceptance of the revised Terms.
12. Governing Law
These Terms are governed by the laws of the United Kingdom. Any disputes shall be resolved in the courts of London, United Kingdom.
13. Contact Information
For questions about these Terms, please contact:
Legal Department
Estovvia
Email: support@estovvia.com
Phone: +1234567890
