Website Terms of Use

1. GENERAL
1.1. Prior to utilizing this website (referred to as the “Site”), carefully review the following terms and conditions along with disclaimers (collectively referred to as the “Terms”) as accessing this Site implies your agreement to be bound by them.
1.2. It is important to read the Terms and our Privacy Notice (inclusive of our Cookies Policy) before using this Site.
1.3. The terms ‘you’ and ‘your’ denote both yourself and any individual(s) accessing the Site concerning your Account(s).
1.4. References to ‘Bank’, ‘we’, ‘us’, and ‘our’ pertain to Nodabank Corporation, located at 40 Kennedy Avenue, Roseau, Commonwealth of Dominica, along with its successors, assigns, and affiliates where applicable.
1.5. All products, services, and those of Group Companies are governed by the terms and conditions (and disclaimers) stated in the relevant agreement that governs their usage. In the event of inconsistency, the terms of the applicable agreement shall prevail over these Terms. These Terms are supplementary to the Account Agreement between you and the Bank.
1.6. In the event of a conflict between these Terms and the Account Agreement, these Terms shall exclusively prevail regarding your use of the Site, whereas the Account Agreement shall take precedence in all other matters.
1.7. Terms not defined herein shall bear the same meaning as in the Account Agreement.
1.8. These Terms should be read in conjunction with any terms, conditions, and disclaimers provided on the Site’s pages, which, in case of any inconsistency, shall supersede these Terms. The Terms, information, material, and content presented on the Site's pages are subject to change without prior notice by updating this posting. Your continued access or use of the Site implies your acceptance of any changes.
1.9. Brighty refers to the mobile application owned by the legal entity Razz Finanzz AG, with registration address at: Mühlegasse 18, Baar, Zug, Switzerland, 6340.

2. USERS OF THIS SITE
2.1. The Bank owns, operates, manages, and issues the Site and is licensed for banking operations by the Financial Services Unit of the Commonwealth of Dominica. The Site primarily targets users accessing it from outside the Eastern Caribbean Currency Union. Consequently, we cannot ensure that the Site or its content complies with the laws or regulations of other countries or is suitable for use in other regions.
2.2. You are solely responsible for any individual using your computer to access the Site and must ensure their compliance with these Terms. The information provided on the Site is not intended for distribution to, or use by, individuals in jurisdictions where such distribution or usage would contravene law or regulation. The Site does not imply any invitation or inducement for banking or investment activity or any offer to purchase or sell securities or other instruments. The Bank reserves the right to adjust fees, amend, withdraw, or withhold any product or service at its discretion.

3. COUNTRY GUIDELINES
3.1. Not all products, services, and investments described on this Site are available in all jurisdictions, and availability may be limited due to local regulatory and legal requirements. The material on the Site is not intended for use by individuals located in jurisdictions restricting the distribution of such material by the Bank. Users accessing these pages are obligated to acquaint themselves with and adhere to any relevant restrictions.
3.2. The Site does not constitute an invitation or solicitation to buy or offer to sell products, services, investments, or securities in any jurisdiction where such solicitation or offer is unlawful.

4. OUR INFORMATION
4.1. The Bank, located at 40 Kennedy Avenue, Roseau, Dominica, is a licensed and regulated bank.

5. MAKING A COMPLAINT
5.1. We are dedicated to providing superior service and effectively delivering the products and services you require. However, if you are dissatisfied with any aspect of our service, please inform us promptly. We will investigate and endeavor to rectify the situation as swiftly as possible, implementing measures to prevent recurrence. Your feedback is invaluable for enhancing our offerings.

6. CONTACTING US ONLINE
6.1. Existing clients can use our internet banking service's Contact Centre to send us messages securely. If you are not currently using our Internet Banking service or are not a client of the Bank, you can contact us via email at info@nodabank.com, though email communication is less secure than using the Contact Centre.
6.2. In the case of reporting a security breach or concern, contact the bank by telephone and confirm in writing via email to info@nodabank.com from the email account linked to your Account.

7. CONTACTING US BY POST
7.1. Correspondence may be sent to:
Client Relations Nodabank Corporation, 40 Kennedy Avenue, Roseau, Commonwealth of Dominica

8. CREDIT
8.1. Credit and mortgage facilities may be available from the Bank, subject to status and security. Detailed information on credit facilities is accessible upon request, and it is advisable to contact us through the Contact Centre for mortgages or other secured loans.
8.2. Failure to maintain repayments on a mortgage may result in repossession of your property.
8.3. Any Bank Debit Card or Credit Card issued by the Bank is a regulated product.

9. NO OFFER
9.1. Nothing on this Site constitutes a solicitation or offer to acquire or dispose of any investment. It is not intended to serve as the basis for an investment decision and should not be relied upon in any manner. The Site does not provide investment advice or recommendations regarding buying or selling investments or securities.

10. PRODUCTS AND SERVICES
10.1. The availability of the Bank's products and services depends on securing and/or maintaining correspondent bank facilities and/or commercially viable insurance. Consequently, products, services, or features of the Bank's platform may be temporarily or permanently unavailable in certain markets, requiring potential restructuring.


11. INVESTMENTS
11.1. The value of investments (including income generated) can fluctuate, and you may not recoup your initial investment. Due to exposure to overseas markets, exchange rate fluctuations can impact investments. It is advisable to regard investment companies as medium to long-term investments, and individuals subject to exchange controls should seek independent advice before investing.
11.2. The Bank provides an investment functionality through which Brighty users can utilize Nodabank's asset management license. This functionality allows Brighty users to engage in asset management services under the regulation and oversight of Nodabank’s licensure.

12. CRYPTO AND DIGITAL CURRENCY
12.1. Trading or holding Crypto and/or Digital Currency carries substantial risk. Before engaging in such activities, carefully consider whether it is suitable for your financial situation.

13. TAX
13.1. Banking offshore may offer potential tax benefits, but tax regulations vary by country. Seek professional tax advice if unsure about your tax obligations, as disclosing income to tax authorities is your responsibility.
13.2. Tax advice on this Site is based on current and proposed legislation and practice and should not be construed as legal or tax advice.

14. NO WARRANTIES
14.1. The following clauses limit our legal liability for the Site, and they apply to the extent permitted by law. We do not exclude or restrict statutory obligations under the laws of the Commonwealth of Dominica. While reasonable efforts are made to ensure accuracy, completeness, and currency of information on the Site, it is provided on an "as is," "as available" basis, and we disclaim any warranties, express or implied.
14.2. We do not warrant: uninterrupted access to the Site; absence of delays, failures, errors, or omissions; absence of viruses or other harmful components; or absence of damage to your computer system. You are responsible for data protection
and virus scanning.
14.3. We make no warranties regarding the accuracy, functionality, or performance of any third-party software used with the Site.

15. THIRD-PARTY SITES AND ENDORSEMENTS
15.1. Hypertext links to other Internet locations are provided for informational purposes only. We are not liable for the content of other websites linked to or from the Site. Use of such links is at your own risk.
15.2. We do not endorse third parties or their advice, opinions, products, or services mentioned on the Site.

16. INTERNET E-MAIL
16.1. Internet messages may not be entirely secure and are subject to interception, loss, or alteration. We are not responsible for the security of internet communications and shall not be liable for any damages associated with messages sent or received via the internet.
16.2. Strict security standards are maintained to prevent unauthorized access to your information. The Bank will never request personal information like user ID, password, or account numbers via email. Contact us immediately if you receive such requests.

17. SOCIAL MEDIA
17.1. The Bank engages with clients through social media channels to inform and assist them. Comments and posts are monitored and recorded for service improvement purposes.
17.2. The Bank does not endorse social media sites or third-party content posted on them. Investment or tax advice is not provided via social media. Personal data shared on social media may be stored outside the Bank's control and accessible to the public.
17.3. Social media is not an appropriate platform for discussing confidential information, and the Bank may delete posts to protect confidentiality.
17.4. Feedback and suggestions submitted via social media are considered for improvement, but implementation is not guaranteed.

18. TRADEMARKS AND COPYRIGHT
18.1. Copyright for content on this Site belongs to the Bank unless stated otherwise. Limited use of extracts from the Site is permitted for personal use or when using Bank products and services, provided no alterations are made. Any other use requires prior written consent.

19. GOVERNING LAW
19.1. The contract with the Bank is governed by the laws of the Commonwealth of Dominica. The terms and conditions of the contract are in English, and communication will be conducted in English. Disputes will be resolved through our support team, as there is no banking ombudsman or financial compensation scheme in the Commonwealth of Dominica.