1. Agreement to Terms
By accessing or using EastWest Saving Bank's website, online banking platform, or any associated services (collectively, "the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you must immediately discontinue use of the Service.
These Terms of Service should be read in conjunction with our Privacy Policy, Account Terms and Conditions, and any additional agreements applicable to specific products or services you use.
2. Eligibility
To use the Service, you must:
- Be at least 18 years of age, or the age of legal majority in your jurisdiction.
- Provide accurate, complete, and current information during registration and at all times during your use of the Service.
- Not be subject to sanctions, export restrictions, or other legal prohibitions that would prevent you from using financial services.
- Have received and accepted approval from EastWest Saving before accessing the customer banking dashboard.
3. Account Registration and Security
You are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately if you become aware of any unauthorised use of your account.
EastWest Saving will never ask for your password by email, phone, or any messaging channel. If you receive such a request, do not respond and report it to our support team immediately.
We reserve the right to suspend or terminate accounts where we have reason to believe credentials have been compromised or where account activity suggests unauthorised access.
4. Approved Use of Services
The Service is provided for your personal, non-commercial banking purposes. You agree to use the Service only in accordance with applicable laws and these Terms. You must not:
- Use the Service for any unlawful purpose, including money laundering, fraud, or financing of illegal activity.
- Attempt to access any part of the Service that you are not authorised to access.
- Attempt to reverse engineer, decompile, or interfere with the technical systems underlying the Service.
- Submit false or misleading information through the Service.
- Conduct transactions for the benefit of third parties without our explicit written authorisation.
5. Account Approval and Status
Submission of a registration application does not guarantee account approval. All applications are subject to our internal review process, which may include identity verification, compliance checks, and assessment of risk.
We reserve the right to approve, decline, restrict, suspend, or close any account in accordance with our internal policies and applicable regulatory requirements. We will notify you of significant account status changes and, where possible, provide a reason.
6. Transactions and Balances
Transactions reflected in your dashboard represent the current recorded balance and transaction history within our system. You are responsible for verifying that transactions are accurate and reporting any discrepancies to us promptly.
We do not guarantee the execution of any transaction within a specific time period. Processing times may vary depending on transaction type, receiving institution, and external payment network conditions.
We reserve the right to reverse, hold, or decline transactions where we have reason to believe they are fraudulent, unauthorised, or in violation of applicable law.
7. Fees and Charges
Any fees applicable to your account will be disclosed clearly before they are charged. Fee schedules may be updated with reasonable advance notice to account holders.
8. Limitation of Liability
To the extent permitted by applicable law, EastWest Saving's total liability for any claim arising from use of the Service shall be limited to the amount of funds held in your account at the time the claim arose.
We are not liable for losses resulting from events outside our reasonable control, including but not limited to telecommunications failures, natural disasters, regulatory action, or third-party payment network failures.
9. Changes to Terms
We may amend these Terms of Service from time to time. Material changes will be communicated to you at least 30 days before they take effect, via email or a notification in your dashboard. Your continued use of the Service after a change takes effect constitutes acceptance of the revised terms.
10. Governing Law
These Terms of Service and any dispute arising from your use of the Service are governed by the laws of the United States and the laws of the state in which EastWest Saving Bank is established, without regard to conflict-of-law principles. You agree that the courts located in that jurisdiction will have exclusive authority to resolve any dispute, although we may seek injunctive relief in any jurisdiction to protect our rights.
11. Contact
For questions about these Terms of Service, contact us via the Contact page or at Eastwestsavings0@gmail.com.