Terms & Conditions

These Terms & Conditions ("Terms") form a binding agreement between you ("you," "user," or "customer") and Banconance ("Banconance," "we," "us," or "our") governing your access to and use of the Banconance website, app, and related services (collectively, the "Services").

By creating an account or using any part of the Services, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. If you do not agree, you must not access or use the Services.

To open a Banconance account, you must:

• Be at least 18 years old, or the age of majority in your jurisdiction.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate identity information for verification.
• Not be listed on any sanctions list maintained by a governmental or international authority.

You agree to provide accurate, current, and complete information during registration and to keep it up to date. You are responsible for maintaining the confidentiality of your password and transaction PIN, and for all activity that occurs under your account.

You must notify us immediately if you suspect unauthorized access to your account. Banconance is not liable for losses arising from your failure to safeguard your login credentials or PIN.

Banconance provides an online personal banking platform, including transfers, savings, cards, and bill payments. Available features may change over time and may vary by account tier or region. We do not provide financial, legal, or tax advice.

There is no monthly fee to hold a Banconance account. Fees applicable to specific services, where they exist, are disclosed within the app before you confirm a transaction.

We reserve the right to introduce, modify, or remove fees, with reasonable notice provided through the app or via email for material changes.

Transfers are subject to daily limits, processing times, and verification checks displayed at the time of the transaction. We reserve the right to delay or decline a transfer where additional verification or fraud-prevention review is required. Transfers are processed to the recipient details you provide — double-check them, as we cannot always reverse a transfer sent to the wrong account.

You agree not to use the Services to:

• Engage in money laundering, fraud, or any other financial crime.
• Impersonate another person or misrepresent your identity.
• Attempt to gain unauthorized access to our systems or other accounts.
• Use automated systems to interact with the platform outside any officially supported API.

Violation of this section may result in immediate suspension or termination of your account and, where required, reporting to relevant authorities.

To the fullest extent permitted by law, Banconance shall not be liable for indirect or consequential losses arising from your use of the Services. Nothing in these Terms limits liability that cannot be excluded under applicable law, including liability arising from our own fraud or willful misconduct.

We may suspend or terminate your access to the Services if we reasonably believe you have violated these Terms or applicable law, or where required to protect the security of the platform. You may close your account at any time, subject to completion of any pending transactions.

We may update these Terms from time to time. Material changes will be communicated through the app or by email before they take effect. Continued use of the Services after a change becomes effective constitutes acceptance of the updated Terms.

Questions about these Terms? Reach us at support@banconance.com or through our Support page.