Terms of Service

Last updated: June 2026

1. Account Eligibility

You must be at least 18 years old to open an account. You agree to provide accurate, current, and complete information during registration and to keep your account details up to date.

2. Account Security

You are responsible for maintaining the confidentiality of your login credentials. You must notify us immediately of any unauthorised use of your account. We are not liable for losses arising from your failure to keep credentials secure.

3. KYC Verification

Full account functionality requires successful identity verification (KYC). You agree to submit accurate identity documents. Providing false documents is grounds for immediate account termination and may be reported to relevant authorities.

4. Transfers and Transactions

All transactions are subject to compliance review. External transfers may take 1–3 business days to process. We reserve the right to hold, delay, or decline transactions that appear suspicious or violate our policies.

5. Prohibited Activities

• Using the platform for money laundering or fraudulent activity
• Providing false identity information
• Attempting to circumvent security controls
• Using the account for commercial purposes without authorisation

6. Account Suspension

We reserve the right to suspend or close accounts that violate these terms, are suspected of fraud, or pose a risk to the platform or other users.

7. Limitation of Liability

1rst Bank is not liable for losses arising from circumstances beyond our reasonable control, including technical failures, network outages, or third-party service disruptions.

8. Changes to Terms

We may update these terms at any time. Continued use of the platform constitutes acceptance of the revised terms.