1. Account Opening and Maintenance

To open an account with Capital Bank, you must provide accurate and complete information as requested by us. You are responsible for:

• Maintaining the confidentiality and security of your account information
• Protecting your username, password, and other access credentials
• Notifying us immediately of any unauthorized use or access to your account
• Keeping your personal and contact information up to date

2. Use of Products and Services

You agree to use Capital Bank's products and services:

• Only for lawful purposes and in accordance with these Terms and Conditions
• In compliance with applicable laws, regulations, and industry standards
• Not for any illegal, fraudulent, or unauthorized activities
• Not for money laundering, fraud, or identity theft purposes

Any violation of these usage terms may result in immediate termination of services and legal action.

3. Transactions and Services

You authorize Capital Bank to process transactions initiated by you or on your behalf, including but not limited to:

• Deposits and withdrawals
• Fund transfers between accounts
• Bill payments and standing orders
• Card transactions and online payments

You are responsible for:

• Ensuring sufficient funds or credit in your account to cover transactions
• Verifying the accuracy of transaction details before submission
• Reporting any discrepancies or unauthorized transactions immediately

4. Fees and Charges

You are responsible for paying any applicable fees and charges associated with your use of Capital Bank's products and services:

• As disclosed in our fee schedule or applicable agreements
• Including but not limited to account maintenance fees, transaction fees, and service charges
• Capital Bank reserves the right to change or modify its fees and charges at any time
• Prior notice will be provided as required by law for any fee changes

5. Intellectual Property

All content, trademarks, logos, and other intellectual property rights related to Capital Bank's products and services are owned or licensed by Capital Bank. You agree not to:

• Use, reproduce, or modify our intellectual property without prior written consent
• Distribute or otherwise exploit our intellectual property
• Use our branding elements for any unauthorized purposes

6. Privacy and Data Protection

Capital Bank's collection, use, and disclosure of your personal information are governed by our Privacy Statement, which is incorporated into these Terms and Conditions by reference. By using our products or services, you consent to:

• The collection, use, and disclosure of your personal information as described in our Privacy Statement
• Our data protection and security measures
• Communication regarding your account and services

7. Termination of Services

Capital Bank reserves the right to terminate or suspend your access to its products or services:

• At any time, without prior notice or liability
• For violation of these Terms and Conditions
• For suspected fraud or unauthorized activity
• As required by law or regulatory authorities

8. Limitation of Liability

Capital Bank shall not be liable for:

• Any direct, indirect, incidental, consequential, or special damages
• Damages arising out of or in connection with your use of its products or services
• Liability shall be limited to the amount of fees or charges paid by you for the specific product or service giving rise to the claim

9. Governing Law and Jurisdiction

These Terms and Conditions shall be:

• Governed by and construed in accordance with the laws of the jurisdiction where Capital Bank is located
• Any disputes shall be resolved by the competent courts of that jurisdiction
• Subject to applicable banking regulations and financial laws

10. Amendments and Updates

Capital Bank reserves the right to:

• Modify or amend these Terms and Conditions at any time
• Provide prior notice as required by law for significant changes
• Your continued use of our products or services after modifications constitutes acceptance of revised Terms and Conditions

11. Entire Agreement

These Terms and Conditions, together with any other agreements, disclosures, or policies provided by Capital Bank:

• Constitute the entire agreement between you and Capital Bank
• Supersede all prior agreements and understandings
• Govern your use of our products and services