Terms of Service

These Terms of Service govern your access to and use of the website, online banking portal, and services (the “Services”) provided by Northstone Trust Bank (“Northstone”, “we”, “us”). By opening an account or using the Services, you agree to these Terms.

1. Eligibility

You must be at least 18 years old, have legal capacity to enter a contract, and provide accurate identity information. We may decline any application at our discretion, subject to applicable law.

2. Applications and identity verification

To comply with applicable “know your customer” and anti-money-laundering laws, you agree to provide a valid government-issued identity document and any additional information we reasonably request. We review every application manually and may approve, decline, or request more information. Approval is not guaranteed and creates no obligation until your account status is shown as active.

3. Deposits

• Deposits you submit are recorded as pending until our team verifies them.
• Funds become available in your balance only after verification.
• We may request proof of a deposit before crediting it, and may decline a deposit we cannot verify.
• You are responsible for the accuracy of the information you submit.

4. Loans and credit

Applications for loans or credit lines are subject to review, approval, and separate written agreements that disclose the rate, fees, and repayment terms. Nothing on the website is an offer or commitment to lend.

5. Your responsibilities

Keep your login credentials confidential; notify us immediately of any unauthorized access at support@northstonetrustbank.com; provide truthful information; and do not use the Services for unlawful purposes, fraud, or money laundering.

6. Account restrictions and closure

We may suspend, restrict, or close an account to comply with law, investigate suspected fraud or suspicious activity, or address a breach of these Terms. Where lawful and practical, we will notify you and explain how to resolve the issue.

7. Electronic communications

By using the Services you consent to receive statements, receipts, and notices electronically, as described in our Electronic Communications Consent.

8. Availability and changes

We aim to keep the Services available but do not guarantee uninterrupted access. We may modify features and may update these Terms; material changes will be communicated and take effect as required by law.

9. Deposit protection

Information about how your deposits are held and protected is available from Northstone on request. This section will be updated with full disclosures.

10. Governing law

These Terms are governed by the laws of the State of New York, United States, without regard to conflict-of-law principles. The dispute-resolution mechanism will be specified in the finalized Terms.

11. Contact

Northstone Trust Bank — info@northstonetrustbank.com · support@northstonetrustbank.com · New York, United States.