Terms and Conditions

Introduction

Welcome to Premium Trust Bank, an international financial institution registered in the United States, committed to providing secure and efficient banking services worldwide. By accessing and using our website, you agree to the terms and conditions outlined below. These terms govern your use of our website and services and form a legally binding agreement between you and Premium Trust Bank. Please read these terms carefully. If you do not agree to these terms, do not use this website or any services provided by Premium Trust Bank.

Copyright

© Premium Trust Bank 2024. All Rights Reserved. The content, pages, screens, information, and materials available on this website, including their arrangement, are protected by copyright and are owned by Premium Trust Bank or its licensors, unless otherwise indicated. Unauthorized use of the content, including but not limited to reproduction, modification, distribution, or republication, without prior written consent from Premium Trust Bank is prohibited.

Trademarks

The trademarks, service marks, and logos used and displayed on this website, including "Premium Trust Bank" and other related marks, are registered and unregistered trademarks of Premium Trust Bank and its affiliates. These trademarks are protected by law and may not be used without the prior written permission of Premium Trust Bank.

Use of Information and Materials

The information and materials provided on this website, including any terms, conditions, and descriptions, are subject to change without notice. Premium Trust Bank makes no representations or warranties regarding the accuracy, adequacy, or completeness of the information and materials provided. Unauthorized use of this website or its content, including but not limited to unauthorized entry into Premium Trust Bank’s systems, misuse of passwords, or misuse of any information posted on this website, is strictly prohibited.

Not all products and services mentioned on this website are available in all geographic areas. Eligibility for specific products and services is subject to final determination by Premium Trust Bank and/or its affiliates. Investment services provided by Premium Trust Bank are not bank deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Investment services are subject to investment risks, including the possible loss of principal invested.

Links to Third-Party Sites

This website may contain links to third-party websites that are not controlled or maintained by Premium Trust Bank. These links are provided for your convenience and do not imply endorsement or recommendation of the third-party sites or their content by Premium Trust Bank. Premium Trust Bank is not responsible for the content, privacy policies, or practices of any third-party websites. We encourage you to review the privacy policies and terms of service of any third-party sites you visit.

No Warranty

The information and materials on this website are provided on an "as is" and "as available" basis. Premium Trust Bank makes no representations or warranties, express or implied, regarding the accuracy, completeness, or reliability of the information and materials provided on this website. Premium Trust Bank expressly disclaims all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement of third-party rights. We do not warrant that the website will be free from errors, interruptions, or viruses.

Limitation of Liability

Premium Trust Bank shall not be liable for any direct, indirect, special, incidental, or consequential damages, losses, or expenses arising out of or in connection with your use of this website or any linked websites. This includes, without limitation, damages resulting from any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure. Even if Premium Trust Bank has been advised of the possibility of such damages, losses, or expenses, our liability is limited to the fullest extent permitted by law.

Submissions

Any information, ideas, concepts, know-how, or techniques submitted to Premium Trust Bank through this website shall become the property of Premium Trust Bank. By making a submission, you grant Premium Trust Bank a perpetual, irrevocable, royalty-free, and worldwide license to use, reproduce, modify, distribute, and display such information for any purpose. Premium Trust Bank is not obligated to maintain the confidentiality of any information submitted, except as required by law or as agreed upon with the Premium Trust Bank entity having a direct customer relationship.

Availability

This website is not intended for use or distribution in any jurisdiction or country where such use or distribution would be contrary to local law or regulation. It is your responsibility to ensure that accessing or using this website complies with applicable laws and regulations in your jurisdiction.

Additional Terms

Certain sections or pages of this website may contain additional terms and conditions specific to those sections or pages. In the event of a conflict between the additional terms and these terms and conditions, the additional terms will govern for those specific sections or pages.

Governing Law

The use of this website and any disputes arising out of or related to the use of this website shall be governed by and construed in accordance with the laws of the United States and the state laws of the state in which Premium Trust Bank is registered. In addition to state laws, the following federal laws and regulations apply:

1. The Bank Secrecy Act (BSA): Requires financial institutions to assist government agencies in detecting and preventing money laundering and other financial crimes. Premium Trust Bank adheres to BSA requirements to ensure compliance with anti-money laundering regulations.

2. The Dodd-Frank Wall Street Reform and Consumer Protection Act: Regulates financial practices to protect consumers and promote stability in the financial system. Premium Trust Bank complies with Dodd-Frank provisions related to financial transparency and consumer protection.

3. The Gramm-Leach-Bliley Act (GLBA): Governs the collection, use, and sharing of nonpublic personal information by financial institutions. Premium Trust Bank is committed to safeguarding your privacy in accordance with GLBA requirements.

4. The Fair Credit Reporting Act (FCRA): Regulates the collection, dissemination, and use of consumer credit information. Premium Trust Bank adheres to FCRA guidelines to ensure the accuracy and confidentiality of credit information.

5. The Right to Financial Privacy Act (RFPA): Protects the confidentiality of personal financial information held by financial institutions. Premium Trust Bank respects your financial privacy and complies with RFPA regulations.

6. The Electronic Fund Transfer Act (EFTA): Provides protections for consumers engaging in electronic fund transfers. Premium Trust Bank ensures that its electronic transfer processes comply with EFTA standards.

By using this website, you agree to submit to the exclusive jurisdiction of the courts located in the United States for any disputes arising from the use of this website.