Effective Date: 05/01/2025

Last Updated: 05/01/2025

These Terms of Service (“Terms”) govern your access to and use of CIVYL's services, including mobile apps, websites, and financial features. By using our Services, you agree to these Terms.

1. Eligibility

To use our Services, you must:

• Be at least 18 years old (or have parent/guardian approval for youth accounts)
• Reside in the United States
• Pass identity verification and compliance screening

2. Account Use

You agree to:

• Provide accurate, complete information
• Keep your login credentials secure
• Use our services only for lawful, personal purposes

3. Financial Services Disclaimer

Our financial services are provided through licensed and regulated third-party partners, including a sponsor bank. Your deposits may be held at FDIC-insured institutions. We do not hold or insure your funds directly.

4. Fees

We aim to provide a fee-free experience. Any applicable fees will be disclosed clearly before use. We may change our fee structure with advance notice.

5. Referral Program

If offered, referrals must comply with our referral terms and be made in good faith. Fraudulent use may result in account suspension and/or forfeiture of rewards.

6.  Termination

We may suspend or terminate your access to the Services at any time, with or without cause, especially if you violate these Terms or applicable law.

You may close your account at any time by contacting support.

7. Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from your use of the Services.

8. Dispute Resolution

Any disputes shall be resolved through binding arbitration under the laws of Wyoming (WY), unless prohibited by law. You waive the right to participate in class actions.

9. Updates

We may modify these Terms from time to time. Your continued use of the Services constitutes acceptance of the new Terms.

10.  Contact

For questions about these Terms:

Email: support@bankwithCivyl.com

Mailing Address: PO  Box 130097 Springfield. Gardens NY 11413