1. Introduction

These Terms of Service (“Terms”) govern your use of the services provided by Sungerald (“we,” “us,” or “our”). By using our services, you agree to these Terms.

2. Services

We offer various financial services, including:

• Banking
• Investments
• Loans
• Financial planning

Our services are subject to change, and we may modify or discontinue them at any time.

3. Account Requirements

To use our services, you must:

• Open an account
• Provide accurate, complete information
• Maintain account security
• Update your information as necessary

4. Transactions and Payments

You’ll comply with our transaction and payment terms, including:

• Fees
• Cut-off times
• Transaction limits

We’re not liable for delays or errors caused by you or third parties.

5. Fees and Charges

We’ll charge fees for our services, as outlined on our website or in our agreements. You agree to pay these fees and any applicable taxes.

6. Confidentiality and Security

We’ll protect your confidential information using industry-standard security measures. However, you’re responsible for:

• Safeguarding your account information
• Monitoring your account activity

7. Liability and Indemnification

We’re not liable for:

• Indirect, special, or consequential damages
• Losses caused by third-party services or products

You’ll indemnify us against claims arising from:

• Your breach of these Terms
• Misuse of our services

8. Governing Law and Dispute Resolution

These Terms are governed by California law. Disputes will be resolved through binding arbitration or litigation in California courts.

Arbitration Terms:

• Disputes will be resolved by a single arbitrator
• Arbitration will be conducted in English
• The arbitrator’s decision will be final and binding

Litigation Terms:

• California courts will have exclusive jurisdiction
• You agree to submit to California jurisdiction

9. Changes to Terms

We may update these Terms at any time. Your continued use of our services implies acceptance of the updated Terms.

10. Termination

We may terminate or suspend your account or services at any time, with or without cause.

11. Contact Us

For questions or concerns, contact our Customer Service team:

• Phone: +1-(219) 243-1073
• Email: info@sungerald.com

Updated Date: 2/17/2024