Terms and Conditions

Last Updated: January 1, 2025

1. Introduction

Welcome to Value Trust Limited's digital banking platform. These Terms and Conditions ("Terms") govern your access to and use of our digital banking services, including our website, mobile applications, and related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

2. Definitions

• "Account" means any bank account maintained with Value Trust Limited
• "Platform" refers to our digital banking website and mobile applications
• "Services" includes all digital banking features and functionalities
• "User," "you," or "your" refers to individuals or entities using our Services
• "We," "us," or "our" refers to Value Trust Limited and its affiliates

[Previous sections with same structure, replacing 'Bank Name' with 'Value Trust Limited']

...

14. Additional Terms

14.1 Severability

• Invalid provision effects
• Remaining terms validity
• Modification of invalid terms
• Interpretation principles

14.2 Assignment

• No user assignment rights
• Bank assignment rights
• Notice of assignment
• Effect on services

15. Electronic Communication Agreement

• Consent to electronic delivery
• Hardware/software requirements
• Paper copy requests
• Withdrawal of consent

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.