Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of Fortiz Bank, N.A. ("Fortiz") websites, mobile applications, and banking services (collectively, the "Services"). By accessing the Services, you agree to be bound by these Terms.

1. Eligibility and account registration

You represent that you are of legal age to form a binding contract and have not been barred from using the Services under applicable laws. You agree to provide accurate, current, and complete information during registration and to keep it updated.

2. Account security

You are responsible for maintaining the confidentiality of your credentials and restricting access to your devices. Notify us immediately of any suspected unauthorized activity. Fortiz is not responsible for losses arising from compromised credentials where you failed to implement reasonable safeguards.

3. Use of the Services

You agree to use the Services only for lawful purposes and in accordance with these Terms and applicable law. You will not interfere with the normal operation of the Services, attempt unauthorized access, or use the Services in a manner that could harm Fortiz or others.

4. Fees and rates

We disclose fees and rates associated with accounts and services in product documentation and disclosures. We may update fees with notice as required by law. You authorize applicable fees to be debited from your accounts.

5. Transactions and limitations

Certain transaction limits and holds may apply to protect account security and comply with regulations. We may decline or reverse any transaction that appears fraudulent, violates these Terms, or is not permitted by law.

6. Compliance and verification

You authorize Fortiz to perform identity verification, sanctions screening, and ongoing monitoring as required by law. We may request additional documentation at any time.

7. Third-party services

The Services may link to third-party sites or integrate with third-party providers. Fortiz does not control and is not responsible for third parties’ content, products, or services.

8. Intellectual property

The Services, including content, trademarks, and software, are owned by or licensed to Fortiz and protected by law. You receive a limited, non-exclusive, non-transferable right to use the Services for their intended purpose.

9. Disclaimer of warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THIS DISCLAIMER MAY NOT APPLY IN SOME JURISDICTIONS.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FORTIZ AND ITS AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Indemnification

You agree to indemnify and hold harmless Fortiz from claims, damages, and expenses arising from your use of the Services, violation of these Terms, or infringement of rights of a third party.

12. Suspension and termination

We may suspend or terminate access to the Services at any time for any reason, including suspected fraud, violation of these Terms, or regulatory requirements. You may close your account as permitted by applicable product terms.

13. Changes to the Services and Terms

We may modify the Services or these Terms with notice as required by law. Continued use after changes become effective constitutes acceptance of the revised Terms.

14. Governing law and disputes

These Terms are governed by the laws of the jurisdiction where your account is opened, without regard to conflicts of law. Disputes will be resolved pursuant to the dispute resolution provisions in your account agreements, which may include arbitration.

15. Contact

For questions about these Terms, contact us via the Contact page or by mail at the address listed in your account documentation.

Effective: Oct 2025