Terms of Service

1. Acceptance of Terms

By accessing or using the services of Rave Vaults ("we," "our," or "us"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you may not use our services.

2. Services Description

Rave Vaults provides the following banking and financial services:

• Checking and savings account management
• Virtual debit card issuance and management
• Domestic and international money transfers
• Personal, mortgage, business, and auto loans
• Investment and stock trading services
• Multi-currency account management

3. Account Registration

4. Account Usage Rules

You agree not to:

• Use your account for illegal purposes or money laundering
• Provide false or misleading information
• Interfere with or disrupt our services
• Attempt unauthorized access to our systems
• Share your account credentials with third parties
• Use automated systems to access our services without authorization
• Violate any applicable laws or regulations

5. Fees and Charges

Certain services may be subject to fees, which will be disclosed to you before completion of the transaction. Fees may include:

• Transaction fees for certain transfers
• Currency conversion fees
• Loan origination and interest charges
• Investment and trading fees
• Account maintenance fees (if applicable)

All fees are subject to change with 30 days' notice.

6. Loans and Credit

Loan terms, interest rates, and repayment schedules are subject to credit approval and verification. By applying for a loan, you authorize us to:

• Obtain credit reports and background checks
• Verify your employment and income
• Perform debt-to-income analysis
• Set repayment terms based on creditworthiness

Late payments may result in additional fees and affect your credit score.

7. Investment Services

Our investment services are provided for informational purposes. Investment decisions carry risks, and past performance is not indicative of future results. You acknowledge that:

• Investment values can fluctuate and you may lose money
• We are not providing financial or investment advice
• You should consult with a qualified financial advisor
• All investment decisions are at your own risk

8. Limitation of Liability

To the maximum extent permitted by law, Rave Vaults shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of our services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Rave Vaults, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our services or violation of these terms.

10. Termination

We reserve the right to suspend or terminate your account at any time for:

• Violation of these Terms of Service
• Suspected fraudulent or illegal activity
• Failure to meet our security requirements
• Extended periods of inactivity
• At our sole discretion for any reason

11. Dispute Resolution

Any disputes arising from these terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. The arbitration shall take place in New York, NY.

12. Changes to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated through email or prominent website notices. Continued use of our services after changes constitutes acceptance of the revised terms.

13. Governing Law

These Terms of Service are governed by the laws of the State of New York, United States, without regard to conflict of law principles.

14. Contact Information

For questions about these Terms of Service, please contact us: