Terms of Service

By accessing or using Global Premium Fin's services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

These terms constitute a legally binding agreement between you and Global Premium Fin. We may modify these terms at any time, and such modifications will be effective immediately upon posting. Your continued use of our services after any such changes constitutes your acceptance of the new terms.

Global Premium Fin provides digital banking services including:

• Checking and savings accounts
• Fixed deposit accounts with guaranteed returns
• Personal loans and credit facilities
• Investment tracking and portfolio management
• Money transfers and payment processing
• Financial analytics and reporting tools
• Mobile and web banking platforms

All banking services are provided through our partner banks and are subject to applicable banking regulations. Global Premium Fin acts as a technology platform facilitating access to these services.

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Provide valid government-issued identification
• Have a valid Social Security Number
• Provide accurate and complete information during registration
• Maintain updated contact information

We reserve the right to verify your identity and eligibility at any time. Failure to meet these requirements may result in account suspension or termination.

Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must:

• Use strong, unique passwords
• Enable two-factor authentication when available
• Never share your login credentials
• Immediately notify us of any unauthorized access
• Log out of your account when using shared devices

Account Information

You must provide accurate, current, and complete information and promptly update your account information when it changes. We may suspend or terminate accounts with inaccurate or incomplete information.

You may not use our services for any illegal or unauthorized purpose. Prohibited activities include:

• Money laundering or terrorist financing
• Fraud, identity theft, or impersonation
• Gambling or illegal gaming activities
• Drug trafficking or other illegal trade
• Circumventing security measures
• Creating multiple accounts to evade restrictions
• Using automated systems to access our services
• Attempting to reverse engineer our platform

Our fee structure is transparent and clearly disclosed:

• Account Maintenance: No monthly fees with minimum balance of $100
• ATM Withdrawals: Free at 50,000+ network ATMs
• Wire Transfers: $10 domestic, $15 international
• Overdraft Protection: $5/month (optional)
• Paper Statements: $2/month (digital statements are free)
• Loan Origination: Varies by loan type and amount

Fees may change with 30 days' notice. Current fee schedules are available in your account dashboard and on our website.

Global Premium Fin provides services "as is" without warranties of any kind. To the maximum extent permitted by law:

• We disclaim all warranties, express or implied
• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount of fees paid in the preceding 12 months
• We are not responsible for third-party services or network outages
• You agree to indemnify us against claims arising from your use of our services

This limitation does not apply to our gross negligence, willful misconduct, or violations of applicable banking regulations.

Termination by You

You may close your account at any time by contacting customer support. Upon closure:

• All pending transactions must be completed
• Outstanding balances must be settled
• Remaining funds will be transferred to your designated account
• Access to our platform will be terminated

Termination by Global Premium Fin

We may suspend or terminate your account immediately if you violate these terms, engage in fraudulent activity, or for regulatory compliance reasons. We will provide notice when possible, except in cases of suspected fraud or legal requirements.

These terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes will be resolved through:

• Informal Resolution: Good faith negotiations for 60 days
• Binding Arbitration: Individual arbitration under AAA rules
• Class Action Waiver: No class actions or representative proceedings
• Jurisdiction: Federal and state courts in New York County, NY

This arbitration clause does not apply to claims that may be brought in small claims court or regulatory complaints.

For questions about these Terms of Service, please contact us: