1. Acceptance of terms
By accessing or using any Ultra Digital Finance website, online banking portal or mobile application (the "Services"), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree, please do not use the Services.
2. Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to open an account. Additional eligibility requirements may apply to certain products and jurisdictions.
3. Account responsibilities
You are responsible for maintaining the confidentiality of your credentials, for all activity under your account, and for promptly notifying us of any unauthorized use. You agree to provide accurate, current and complete information and to keep it updated.
4. Acceptable use
You may not use the Services for any unlawful purpose, to attempt unauthorized access to systems or data, to interfere with the operation of the Services, to transmit malware, or to engage in fraudulent, abusive or deceptive activity.
5. Electronic communications and statements
You consent to receive account statements, notices and disclosures electronically through the portal and by email. You may withdraw consent where required by law by contacting us, though some services may not be available without electronic delivery.
6. Transactions and availability
Transactions are subject to verification, limits, cut-off times and applicable law. Service availability may be affected by maintenance, market conditions or events outside our reasonable control.
7. Fees and charges
Applicable fees are disclosed in the applicable product terms and rate schedule, which may be updated with notice where required. Currency conversion is performed at the rate disclosed at the time of the transaction.
8. Intellectual property
All content, trademarks, logos and software on the Services are owned by or licensed to Ultra Digital Finance and may not be copied, modified or distributed without prior written consent.
9. Limitation of liability
To the maximum extent permitted by law, Ultra Digital Finance is not liable for indirect, incidental or consequential damages arising from use of the Services. Nothing in these terms limits rights that cannot be excluded under applicable law.
10. Governing terms and changes
These terms may be updated from time to time; material changes will be notified through the portal or by email. Continued use of the Services after changes take effect constitutes acceptance. Product-specific agreements prevail where they conflict with these general terms.