Terms and Conditions

1. Introduction

Welcome to Confidiance Bank ("Platform", "we", "us", or "our"). These Terms and Conditions ("Terms") govern your access to and use of our private banking and treasury operations platform, including all related services, features, and content.

By accessing or using our Platform, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Platform.

2. Nature of Services

2.1 Internal Ledger Operations

The Platform provides internal ledger account management and treasury operations services. We maintain internal records of account balances and transactions using double-entry bookkeeping principles.

2.2 Important Clarifications

• We are not a licensed deposit-taking institution in most jurisdictions.
• Balances reflected in your ledger account are not deposits protected by deposit insurance schemes.
• We do not operate as a public securities exchange or regulated trading venue.
• Our marketplace functions as an introducer only; we do not act as principal in transactions.

3. Account Registration and Eligibility

3.1 Eligibility

To use our Platform, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using financial services under applicable laws
• Complete our Know Your Customer (KYC) verification process

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized access to your account.

4. KYC and AML Compliance

We are committed to preventing money laundering and terrorist financing. As part of this commitment:

• You must provide accurate and complete identity verification documentation
• We may request additional information at any time
• We reserve the right to freeze accounts and refuse transactions pending verification
• Suspicious activities will be reported to relevant authorities as required by law

5. Services

5.1 Ledger Accounts

We provide internal ledger accounts for recording transactions. These accounts:

• Support multiple currencies
• Maintain immutable transaction records
• Are subject to applicable fees as disclosed in our fee schedule

5.2 Gold Custody and Credit

Gold custody services are provided through verified third-party vendors. Gold-backed credit facilities:

• Are subject to a maximum Loan-to-Value (LTV) ratio of 60%
• May be liquidated if LTV thresholds are breached
• Carry risks as described in our Risk Disclosure document

5.3 Crypto-Collateralized Loans

Crypto-collateralized loans are subject to:

• LTV ratios between 30-50% depending on asset volatility
• Margin calls when LTV exceeds warning thresholds
• Automatic liquidation when critical thresholds are breached
• Third-party custody arrangements

5.4 Private Marketplace

Our marketplace facilitates introductions between verified counterparties. The Bank:

• Acts solely as an introducer, not as principal
• Does not guarantee any transaction outcomes
• Is not responsible for disputes between counterparties

6. Fees and Charges

All applicable fees are disclosed in our Fee Schedule. We reserve the right to modify fees with 30 days' notice. Continued use of the Platform after fee changes constitutes acceptance.

7. Risk Disclosures

Use of our Platform involves significant risks including but not limited to:

• Credit Risk: Possibility of loss from counterparty default
• Market Risk: Fluctuations in asset values
• Operational Risk: System failures or errors
• Regulatory Risk: Changes in applicable laws
• Liquidity Risk: Inability to access funds

Please review our comprehensive Risk Disclosure document for full details.

8. Prohibited Activities

You agree not to:

• Use the Platform for any illegal purpose
• Engage in money laundering or terrorist financing
• Circumvent our security measures
• Provide false or misleading information
• Use the Platform from prohibited jurisdictions
• Attempt to manipulate markets or prices

9. Account Suspension and Termination

We may suspend or terminate your account:

• For violation of these Terms
• If required by law or court order
• For suspected fraudulent or illegal activity
• For failure to complete KYC requirements
• At our discretion with reasonable notice

10. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Actions of third parties including custodians and vendors
• Market movements or asset value changes
• Force majeure events

11. Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules specified in our Dispute Resolution Policy. The arbitration shall take place in the jurisdiction of our principal place of business.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to conflict of law principles.

13. Amendments

We reserve the right to modify these Terms at any time. Material changes will be notified at least 30 days in advance. Continued use of the Platform constitutes acceptance of modified Terms.

14. Contact Information

For questions about these Terms, please contact us at:

• Email: legal@confidiancebank.com
• Support: support@confidiancebank.com