Terms & Conditions

Introduction

Welcome to Bancorp Trust. These Terms & Conditions govern your access to and use of our website, mobile applications, and banking services. By accessing or using our platform, you acknowledge that you have read, understood, and agreed to comply with these terms.

If you do not agree with any part of these Terms & Conditions, you should discontinue the use of our services immediately. Our services are intended for individuals who meet the legal age requirements and are legally permitted to enter into binding agreements.


Intellectual Property Rights

Unless otherwise stated, all content, trademarks, logos, graphics, software, text, images, and other materials available on the Bancorp Trust website are the exclusive property of Bancorp Trust or its licensors.

You are granted a limited, non-transferable, and revocable license to access and use our website solely for personal and lawful purposes. You may not copy, reproduce, modify, distribute, or commercially exploit any content without our prior written permission.

Restrictions

When using our website or banking services, you agree not to:

  • Copy or republish any content from our website.

  • Sell, license, or commercially exploit any website materials.

  • Use the website for unlawful or fraudulent activities.

  • Attempt to gain unauthorized access to our systems.

  • Interfere with the operation or security of our platform.

  • Upload malicious software, viruses, or harmful code.

  • Collect customer information through automated tools.

  • Use our services for unauthorized advertising or marketing.

We reserve the right to suspend or terminate access to any user who violates these Terms.


Your Content

Any information, documents, comments, feedback, or other materials you submit through our website remain your responsibility.

By submitting content to Bancorp Trust, you grant us a non-exclusive, worldwide license to use, store, reproduce, and process that content solely for the purpose of providing and improving our banking services.

You must ensure that any content you submit is accurate, lawful, and does not infringe upon the rights of any third party.


No Warranties

While Bancorp Trust strives to provide accurate, secure, and uninterrupted services, our website and digital banking platform are provided on an "as available" basis.

We make no guarantees that the website will always be available without interruptions, delays, technical errors, or maintenance periods.


Limitation of Liability

To the fullest extent permitted by law, Bancorp Trust shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use or inability to use our website or banking services.

This includes losses resulting from service interruptions, technical failures, unauthorized access, or events beyond our reasonable control.


Indemnification

You agree to indemnify and hold Bancorp Trust, its employees, directors, officers, and affiliates harmless from any claims, damages, losses, liabilities, or expenses arising from your misuse of our services or your violation of these Terms & Conditions.


Severability

If any provision of these Terms & Conditions is determined to be invalid or unenforceable under applicable law, the remaining provisions shall continue in full force and effect.

Changes to These Terms

Bancorp Trust reserves the right to modify or update these Terms & Conditions at any time. Any changes will become effective immediately upon publication on our website.

Your continued use of our services after changes are posted constitutes your acceptance of the updated Terms.


Assignment

Bancorp Trust may assign or transfer its rights and obligations under these Terms without prior notice where permitted by law.

Users may not transfer or assign their rights or obligations without the prior written consent of Bancorp Trust.


Entire Agreement

These Terms & Conditions constitute the complete agreement between you and Bancorp Trust regarding your use of our website and banking services. They replace any previous agreements, communications, or understandings relating to the same subject matter.


Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of the jurisdiction in which Bancorp Trust operates.

Any disputes arising from the use of our website or banking services shall be subject to the exclusive jurisdiction of the competent courts within the applicable legal jurisdiction.