1. Introduction
    These Terms apply to all customers using L&T Trust Holdings Bank’s online platform. By accessing the website, mobile application, or other digital platforms, you acknowledge and accept these Terms. If you do not agree, please discontinue use immediately.
  2. Eligibility
    To use our Services, you must:
    1. Be at least 18 years old or have legal capacity to enter into a contract.
    2. Provide accurate and up-to-date information during registration.
    3. Agree to abide by all applicable laws and regulations.
  3. Account Access and Security
    1. You are responsible for maintaining the confidentiality of your login credentials and for any activity conducted under your account.
    2. Notify us immediately of any unauthorized access or suspected breach of security.
    3. Use strong passwords and avoid sharing your credentials.
  4. Services Offered
    L&T Trust Holdings Bank provides the following online services:
    1. Viewing account balances and transaction history.
    2. Funds transfers between accounts or to third parties.
    3. Applying for loans or other financial products.
    4. Accessing customer support via chat or email.
    Availability of these services may vary based on your location and account type.
  5. Fees and Charges
    1. Service fees, transaction charges, and other applicable costs will be disclosed upfront and are subject to change.
    2. You agree to pay all fees incurred through your use of the Services as outlined in the Fee Schedule on our website.
  6. Privacy and Data Security
    1. We are committed to protecting your personal information in accordance with our Privacy Policy.
    2. By using our Services, you consent to the collection, use, and sharing of your data as described in the Privacy Policy.
  7. Transactions
    1. You are solely responsible for ensuring the accuracy of all transaction details, including account numbers and payment amounts.
    2. L&T Trust Holdings Bank is not liable for errors caused by incorrect information provided by you.
    3. Transactions may be subject to processing delays or restrictions based on regulatory compliance requirements.
  8. Prohibited Activities
    You agree not to use our Services for:
    1. Illegal, fraudulent, or unauthorized purposes.
    2. Transmitting harmful software, viruses, or engaging in cyberattacks.
    3. Violating any laws, regulations, or the rights of third parties.
  9. Liability and Disclaimers
    1. L&T Trust Holdings Bank provides Services on an “as-is” basis and does not guarantee uninterrupted or error-free access.
    2. We are not liable for losses arising from unauthorized transactions, service disruptions, or circumstances beyond our control, such as natural disasters or technical failures.
  10. Third-Party Services
    1. Our platform may integrate with third-party services for additional functionality.
    2. L&T Trust Holdings Bank is not responsible for the content, policies, or practices of third-party providers.
  11. Modifications to Terms
    1. We may update these Terms at any time and will notify you of significant changes.
    2. Continued use of the Services after changes take effect constitutes your acceptance of the revised Terms.
  12. Termination of Services
    1. We reserve the right to suspend or terminate your account if you violate these Terms or engage in prohibited activities.
    2. You may terminate your account by notifying customer support, subject to the settlement of outstanding obligations.
  13. Governing Law and Dispute Resolution
    1. These Terms are governed by the laws of [United State Jurisdiction].
    2. Any disputes will be resolved through arbitration or mediation as outlined in our Dispute Resolution Policy.
  14. Contact Us
    For questions or concerns regarding these Terms, please contact us at:
    • Email: support@lttrustholdings.com
    • Address: L&T Trust Holdings Bank, Elberton, GA 30635, United State