Terms & Privacy Policy

Welcome to Harcot Savings bank. These Terms & Conditions and our Privacy Policy govern your use of our banking products, online services, and mobile applications. By opening an account or using our services, you agree to be bound by these terms.

We encourage you to read this document in full. If anything is unclear, our support team is always happy to help explain it in plain language.

To open an account with us, you must be at least 18 years old and provide accurate, up-to-date personal information. You are responsible for keeping your details current.

• You must provide valid identification and proof of address during registration.
• Each customer is responsible for the activity that takes place under their account.
• Accounts may be suspended if we detect suspicious or fraudulent activity.
• You may close your account at any time, subject to clearing any outstanding balances.

Your privacy matters to us. We collect only the information needed to provide our services, comply with the law, and protect you from fraud. We will never sell your personal data to third parties.

• We use your data to operate your account, process transactions, and improve our services.
• Your information is stored securely using industry-standard encryption.
• You have the right to access, correct, or request deletion of your personal data.
• We only share data with trusted partners where required to deliver our services or by law.

We invest heavily in keeping your money and information safe, combining advanced technology with round-the-clock monitoring.

• All connections are protected with bank-grade encryption.
• We offer biometric and two-factor authentication for added protection.
• Our fraud team monitors accounts 24/7 for unusual activity.
• We will never ask for your full password or PIN by email or phone.

We believe in transparent pricing. Any fees that apply to your account or transactions are clearly disclosed before you commit. There are no hidden charges or surprise deductions.

A full schedule of charges is available within your online banking dashboard and upon request from our support team.

• Keep your login credentials confidential and never share them with anyone.
• Notify us immediately if you suspect unauthorized access to your account.
• Ensure sufficient funds are available before making payments or transfers.
• Use our services lawfully and in line with these terms.

We take every reasonable step to provide reliable, secure services. However, we are not liable for losses caused by events beyond our reasonable control, or by your failure to keep your security details safe. Nothing in these terms limits your statutory rights as a customer.

We may update these terms from time to time to reflect changes in our services, technology, or the law. We will notify you of any significant changes in advance, and the latest version will always be available on this page.

If you have any questions about these Terms & Conditions or our Privacy Policy, please get in touch — we're here to help.

• Email: info@harcotsavings.com
• Phone: 12345678909
• Address: 123st Manhattan