Terms & Conditions

By accessing and using GlobalTrust Bank ("the Bank", "we", "us", "our"), you ("the Customer", "you") agree to be bound by these Terms of Service. If you do not agree to these terms, you must not use our services. We reserve the right to update these terms at any time, with notification sent via email or through the platform.

To use our services, you must:

• Be at least 18 years of age or the legal age in your jurisdiction
• Provide accurate, current, and complete personal information
• Complete identity verification (KYC) as required
• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorized access to your account
• Be responsible for all activities that occur under your account

You agree to use your account only for lawful purposes. Prohibited activities include:

• Fraudulent, abusive, or illegal transactions
• Money laundering or financing of illegal activities
• Providing false or misleading information
• Attempting to hack, disrupt, or gain unauthorized access to our systems
• Using the platform for gambling or illegal transactions
• Circumventing security measures or account limits

Violation of these terms will result in immediate account suspension and possible legal action.

When using our transfer services:

• Transfer fees are displayed before confirmation and vary by transfer type
• Exchange rates are applied at the time of processing for international transfers
• Processing times vary: internal transfers are instant, international transfers may take 1-5 business days
• We reserve the right to modify fees with 30 days prior notice
• Failed or rejected transfers will be refunded to your account
• Daily and monthly transfer limits apply based on your account tier and KYC level

Virtual cards and loan products are subject to:

• Availability and credit approval
• Spending limits set by the bank based on account history
• Cards may be frozen or cancelled for suspicious activity
• Loan interest rates, terms, and conditions are provided before acceptance
• Early repayment penalties may apply to certain loan products

GlobalTrust Bank shall not be liable for:

• Indirect, incidental, or consequential damages from service use
• Losses due to unauthorized access resulting from your negligence
• Service interruptions due to maintenance, force majeure, or third-party failures
• Losses from transactions you authorized that turn out to be fraudulent

Our total liability shall not exceed the amount in your account at the time of the claim.

Either party may terminate your account:

• You may close your account at any time via the dashboard or by contacting support
• We may suspend or close accounts for violations of these terms, illegal activity, or prolonged inactivity
• Upon termination, outstanding balances must be settled immediately
• We will retain records as required by financial regulations