1. Introduction

Welcome to Hill Crest Valley Bank ("we", "our", or "us"). By using our services, you agree to be bound by these Terms and Conditions. Please read them carefully before accessing or using our website and services.

2. Definitions

In this document, the following terms will have the following meanings:

• "Bank" refers to Hill Crest Valley Bank.
• "User" or "You" refers to the individual or entity using the services provided by Hill Crest Valley Bank.
• "Services" refers to all banking products and services provided by the bank, including, but not limited to, online banking, mobile banking, and financial transactions.

3. Eligibility

To use our services, you must be at least 18 years of age or the legal age of majority in your jurisdiction. By using our services, you represent that you meet this requirement.

4. Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify the bank immediately of any unauthorized use of your account. The bank is not liable for any loss or damage arising from your failure to protect your account information.

5. Use of Services

Users are prohibited from using the services for any illegal, fraudulent, or unauthorized purposes. You agree not to interfere with or disrupt the services or any servers or networks connected to the services.

6. Fees and Charges

Fees for services may apply and will be clearly outlined before any transaction is initiated. By using the services, you agree to pay all applicable fees as specified by the bank.

7. Limitation of Liability

Hill Crest Valley Bank shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to loss of profits, revenue, data, or use, arising out of or related to the use of the services, even if the bank has been advised of the possibility of such damages.

8. Termination

The bank reserves the right to terminate your access to the services at any time, for any reason, without prior notice. Upon termination, your rights to use the services will immediately cease.

9. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which the bank is incorporated, without regard to its conflict of law principles.

10. Amendments

The bank reserves the right to amend these Terms and Conditions at any time. You will be notified of any material changes via email or through our website. Continued use of our services following such changes indicates your acceptance of the new Terms and Conditions.