Terms & Conditions

TERMS AND CONDITIONS OF SERVICE

1. Introduction
These Terms and Conditions (“Terms”) govern the relationship between the Bank (“the Bank”, “we”, “us”, or “our”) and its clients (“Client”, “you”, or “your”). By establishing an account or engaging with any of the Bank’s services, you agree to be bound by these Terms.

2. Scope of Services
The Bank provides bespoke financial services, including but not limited to:

Private banking and wealth management
Custody and safekeeping of assets
Traditional financial services (“TradFi”)
Decentralized finance (“DeFi”) solutions and digital asset services

All services are offered on a discretionary and non-discretionary basis as agreed in writing with the Client.

3. Client Eligibility and Due Diligence
The Bank serves high-net-worth individuals, family offices, and institutional clients.
Clients must:

Complete all Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements
Provide accurate and up-to-date information
Notify the Bank of any material changes

The Bank reserves the right to refuse or terminate services at its sole discretion in accordance with applicable laws.

4. Account Security and Responsibility
Clients are responsible for:

Maintaining the confidentiality of account credentials
Securing private keys, wallets, and authentication devices where applicable
Promptly notifying the Bank of any unauthorized activity

The Bank shall not be liable for losses arising from compromised credentials or client-side security failures.

5. Digital Assets and DeFi Services
The Client acknowledges that:

Digital assets are subject to high volatility and technological risks
DeFi protocols operate outside traditional regulatory frameworks
Smart contract risks, liquidity risks, and counterparty risks may apply

The Bank may facilitate access to DeFi opportunities but does not guarantee performance or protection against loss.

6. Investment Risk Disclosure
All investments carry risk, including potential loss of principal.
The Bank does not guarantee:

Returns on investments
Preservation of capital
Market performance outcomes

Clients are responsible for understanding the risks associated with any strategy or asset class.

7. Discretionary Authority
Where discretionary mandates are granted, the Bank may execute transactions on behalf of the Client in accordance with agreed investment objectives and risk parameters.
All actions will be undertaken in good faith and in alignment with the Client’s profile.

8. Fees and Charges
The Client agrees to pay all applicable fees, including:

Management fees
Performance fees
Transaction fees
Custody and administrative fees

Fee schedules will be disclosed separately and may be amended with prior notice.

9. Confidentiality and Data Protection
The Bank maintains strict confidentiality regarding all Client information.
Information may only be disclosed:

With Client consent
As required by law or regulatory authorities
To trusted service providers under confidentiality obligations

10. Compliance and Regulatory Obligations
The Client agrees to comply with all applicable laws and regulations, including tax reporting obligations in their jurisdiction.
The Bank may report information to regulatory authorities where required.

11. Limitation of Liability
To the fullest extent permitted by law, the Bank shall not be liable for:

Indirect or consequential losses
Market-related losses
Losses arising from third-party providers or protocols
Force majeure events, including system failures, cyber incidents, or regulatory changes

12. Third-Party Services
The Bank may engage third-party custodians, exchanges, or DeFi protocols.
The Bank is not responsible for the actions, failures, or insolvency of such third parties.

13. Termination
Either party may terminate the relationship with written notice.
The Bank may suspend or terminate services immediately in cases of:

Suspected unlawful activity
Breach of these Terms
Regulatory requirements

14. Amendments
The Bank reserves the right to amend these Terms at any time.
Clients will be notified of material changes, and continued use of services constitutes acceptance.

15. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction in which the Bank operates.
Any disputes shall be resolved in the competent courts or through agreed arbitration mechanisms.

16. Entire Agreement
These Terms, together with any account agreements and service-specific documentation, constitute the entire agreement between the Bank and the Client.

By engaging with the Bank’s services, the Client acknowledges that they have read, understood, and agreed to these Terms and Conditions.