1. Introduction & Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("Customer", "User", "You") and IPO CyberCash ("Bank", "We", "Us"). By accessing our online portal, registering an account, or initiating any financial transaction, you expressly agree to abide by all terms, conditions, and operational policies detailed herein.
2. Account Opening, Identity & Eligibility
To maintain an active personal checking, high-yield savings, or corporate treasury account, you must be of legal majority age in your jurisdiction and complete our customer verification protocols. You represent and warrant that all information submitted during onboarding is accurate, truthful, and current.
3. High-Yield Savings & Interest Calculation
Interest on high-yield savings accounts is calculated on a daily accrual basis based on end-of-day available funds at the stated APY (4.85% annual percentage yield) and distributed on the 1st of each calendar month. Rates are subject to market adjustments in accordance with regulatory monetary standards.
4. International Transfers & Settlements
Cross-border wire transfers, SEPA Instant payments, ACH direct entries, and digital rails are processed pursuant to international clearing house cut-off times. The Bank reserves the right to review, hold, or request supplementary origin-of-funds verification on suspicious or non-compliant payment flows.
5. Cardholder Responsibilities & Security
You are responsible for securing your login credentials, two-factor authentication keys, physical cards, and virtual card CVVs. Misplaced or compromised cards must be frozen immediately using the instant freeze utility in your customer dashboard.
6. Governing Law & Contact
These Terms are governed by and construed in accordance with applicable financial laws. For inquiries regarding our terms, please contact our Legal & Compliance Office at [email protected].