Terms and Conditions

1. Introduction

Welcome to Hullings Capital. These Terms and Conditions ("Terms") govern your access to and use of our banking services, including our website, mobile application, and related financial products (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

2. Account Eligibility and Registration

To use our Services, you must be at least 18 years old and a resident of a jurisdiction where we operate. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to notify us immediately of any unauthorized use of your account.
• We reserve the right to suspend or terminate your account if any information provided proves to be inaccurate, not current, or incomplete.

3. Banking Services

Hullings Capital provides various financial services, including but not limited to checking accounts, savings accounts, loans, and credit cards. Specific terms and conditions apply to each product and will be provided to you upon application or enrollment.

4. Online and Mobile Banking

Our online and mobile banking platforms allow you to manage your accounts, view transactions, and perform transfers. You agree to use these platforms only for lawful purposes and in accordance with our security guidelines.

• We employ industry-standard security measures, but you acknowledge that no system is entirely immune to cyber threats.
• You are responsible for ensuring the security of the devices you use to access our Services.

5. Fees and Charges

Our Schedule of Fees and Charges outlines the costs associated with our Services. We reserve the right to change our fees at any time, subject to applicable notice requirements. You agree to pay all fees and charges incurred in connection with your account.

6. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you consent to our collection and use of your information as described in the Privacy Policy.

7. Limitation of Liability

To the fullest extent permitted by law, Hullings Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services;
• Any conduct or content of any third party on the Services;
• Any unauthorized access, use, or alteration of your transmissions or content.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Hullings Capital is headquartered, without regard to its conflict of law provisions.

9. Contact Us

If you have any questions about these Terms, please contact us at: