Terms and Conditions

Welcome to ForteGemTrust. By accessing or using our website, mobile application, and banking services (collectively, “Services”), you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully before using our platform.

1. Acceptance of Terms

By creating an account, using our Services, or continuing to access our platform, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree, please discontinue use of our Services.

2. Eligibility

To use our Services, you must:

  • Be at least 18 years old or the legal age of majority in your jurisdiction.

  • Provide accurate, complete, and up-to-date information during registration.

  • Comply with all applicable laws and regulations, including anti-money laundering (AML) and know-your-customer (KYC) requirements.

3. Account Responsibilities

  • You are responsible for maintaining the confidentiality of your login credentials.

  • You agree to notify us immediately of any unauthorized access to your account.

  • You are responsible for all activities conducted under your account unless proven otherwise.

4. Use of Services

You agree not to use our Services for:

  • Illegal or fraudulent transactions.

  • Money laundering, terrorism financing, or other unlawful activities.

  • Misrepresenting your identity or providing false information.

  • Interfering with or compromising the security of the platform.

5. Deposits, Withdrawals, and Transactions

  • All deposits, withdrawals, and transfers are subject to applicable limits, processing times, and fees.

  • We are not responsible for delays caused by third-party financial institutions or payment processors.

  • Transactions, once confirmed, may be irreversible depending on the payment method.

6. Loans and Credit Services

If you apply for loans or credit services, you agree to:

  • Provide accurate financial information.

  • Repay borrowed amounts in accordance with agreed terms.

  • Accept that failure to repay may result in penalties, reporting to credit bureaus, and legal action.

7. Fees and Charges

  • We may charge fees for certain Services, including transactions, loans, or account maintenance.

  • All applicable fees will be disclosed before confirmation of the transaction.

  • Fees are subject to change, and updates will be communicated via our website or app.

8. Security

  • We implement industry-standard security measures including encryption, authentication, and fraud monitoring.

  • You are responsible for keeping your devices secure.

  • We are not liable for losses resulting from unauthorized access due to negligence on your part.

9. Intellectual Property

  • All content, software, and branding on our platform remain the property of ForteGemTrust.

  • You may not reproduce, distribute, or modify our materials without prior written consent.

10. Limitation of Liability

  • We are not liable for losses due to events beyond our reasonable control (e.g., network failures, natural disasters, third-party system errors).

  • We are not liable for indirect, incidental, or consequential damages arising from use of our Services.

11. Termination of Services

  • We reserve the right to suspend or terminate your account if you violate these Terms or engage in prohibited activities.

  • You may close your account at any time, subject to the settlement of outstanding obligations.

12. Changes to Terms

We may update these Terms from time to time. Any changes will take effect once posted with an updated Date. Continued use of our Services constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by and construed under the laws of California. Any disputes shall be subject to the exclusive jurisdiction of the courts in California.

14. Contact Us

For questions regarding these Terms, please contact us:

ForteGemTrust
Email: support@fortegemtrust.com