Introduction
Welcome to Heritage Financial Banking Services (HeritageFBS). These terms and conditions outline the rules and regulations for the use of HeritageFBS's Website and Services. By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use HeritageFBS's website or services if you do not accept all of the terms and conditions stated on this page.
Acceptance of Terms
By using our services, you agree to be bound by these Terms and Conditions, including any additional terms and conditions and policies referenced herein or available by hyperlink. These Terms apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and contributors of content.
If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms and Conditions are considered an offer, acceptance is expressly limited to these Terms and Conditions.
User Responsibilities
As a user of our Services, you are responsible for maintaining the confidentiality of your account information, including your password, and for all activity that occurs under your account. You agree to immediately notify HeritageFBS of any unauthorized use of your account or password or any other breach of security.
You may not use our Services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). You must not transmit any worms or viruses or any code of a destructive nature.
Privacy Policy
Your submission of personal information through the site is governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.
Intellectual Property
The intellectual property rights in all software and content made available to you on or through this website remain the property of HeritageFBS or its licensors and are protected by copyright laws and treaties around the world. All such rights are reserved by HeritageFBS and its licensors.
You may store, print, and display the content supplied solely for your own personal use. You are not permitted to publish, manipulate, distribute, or otherwise reproduce, in any format, any of the content or copies of the content supplied to you or which appears on this website, nor may you use any such content in connection with any business or commercial enterprise.
Fees, Fines, and Billing
HeritageFBS reserves the right to impose fees for certain services and to charge fines for any violations of these Terms and Conditions. All fees and fines will be billed according to the policies outlined by HeritageFBS. Clients are responsible for reviewing and understanding all applicable fees and fines before using our Services. Failure to comply with these Terms may result in penalties, including but not limited to, account suspension, termination, and legal action where applicable.
Account Activation and Re-activation
Upon opening an account with Heritage Bank, customers must complete the required activation process to enable local and international transfers. This includes providing valid identification and proof of address, among other necessary documentation as requested by HeritageFBS.
In the event that your account is blocked or suspended due to non-compliance with our Terms and Conditions, policy violations, or suspicious activity, you will be required to pay a reactivation fee to restore access to your account. The reactivation fee amount will be determined based on the nature of the violation and will be communicated to you at the time of the account blockage.
Failure to pay the reactivation fee within the stipulated time may result in permanent account closure and further legal actions, if necessary. HeritageFBS reserves the right to change the reactivation fee at any time without prior notice.
NOTE:Fees for your account activation cannot be deducted from your HeritageFBS account, because your account is not yet activated, once your account is activated, all subsequent charges or fees will be deducted directly from your heritage account. Fees for activation will be refunded back to your heritage account, once your account has been fully activated.
Please note that upon completing the Change of Ownership form, your account will be reset to reflect your new details. This reset will include updating all account information to match the details provided in the form.
Once the reset is complete, your account will need to be reactivated before you can initiate any transactions. We recommend taking the necessary steps to reactivate your account promptly to avoid any interruptions in service.
Pending Activation: During the period when your HeritageFBS account is pending activation, no fees may be deducted from the account.
Post-Activation Fees: Once your account has been successfully activated, HeritageFBS reserves the right to process and deduct all applicable fees in accordance with our standard fee structure.
Limitation of Liability
HeritageFBS will not be liable for any direct, indirect, incidental, special, or consequential damages that result from the use of, or the inability to use, our website or services, including our negligence. This exclusion of liability applies to all damages of any kind, including loss of data, income, or profit, loss of or damage to property, and claims of third parties.
Governing Law
These Terms and Conditions and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of [Your Country/State], and you irrevocably submit to the exclusive jurisdiction of the courts in that location.
Changes to Terms
We reserve the right to update, change, or replace any part of these Terms and Conditions by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms and Conditions constitutes acceptance of those changes.