Effective Date: Jan 10/ 2013

Welcome to the Heritage Grant-Bank Group online banking platform. By accessing or using our website, services, or online banking system, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By using this platform, you confirm that you have read, understood, and agreed to these Terms and Conditions. If you do not agree, you must discontinue use of our services immediately.

2. About Our Services

Heritage Grant-Bank Group is a financial platform providing:

• Online banking services
• Personal and business account management
• Funds transfer and payment services
• Access to structured grant programs for eligible applicants
• All services are provided in accordance with applicable financial standards and internal policies.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Provide accurate and complete registration information
• Comply with all applicable laws and regulations

We reserve the right to refuse or terminate access if eligibility requirements are not met.

4. Account Registration and Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities conducted under your account
• Notifying us immediately of any unauthorized access

Heritage Grant-Bank Group is not liable for losses resulting from failure to protect your account information.

5. Online Banking Usage

Users agree to:

• Use the platform only for lawful purposes
• Avoid fraudulent, misleading, or harmful activities
• Not attempt to disrupt or compromise system security

We reserve the right to suspend or terminate accounts involved in suspicious or unauthorized activities.

6. Transactions and Payments

All financial transactions conducted through our platform are subject to:

• Verification and security checks
• Processing times based on system and regulatory requirements
• Applicable fees (where stated)

We are not responsible for delays caused by external systems, incorrect information, or force majeure events.

7. Grant Programs Disclaimer

Heritage Grant-Bank Group provides access to structured grant opportunities; however:

• Grant approval is not guaranteed
• All applications are subject to eligibility criteria, verification, and review processes
• Submission of an application does not ensure funding
• We do not require unauthorized payments for grant approval

Users are advised to provide accurate information and follow official application procedures.

8. Privacy and Data Protection

Your use of our platform is also governed by our Privacy Policy. We are committed to protecting your personal and financial information using secure systems and industry-standard safeguards.

9. Limitation of Liability

To the fullest extent permitted by law, Heritage Grant-Bank Group shall not be liable for:

• Indirect or consequential losses
• Unauthorized access due to user negligence
• Service interruptions beyond our control

All services are provided on an “as available” basis.

10. Intellectual Property

All content on this platform, including text, design, logos, and systems, is the property of Heritage Grant-Bank Group and may not be copied, reproduced, or distributed without prior written consent.

11. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time. Changes will take effect immediately upon publication on our website.

Continued use of the platform constitutes acceptance of the updated terms.

12. Termination of Access

We may suspend or terminate your access to the platform if:

• You violate these Terms and Conditions
• Suspicious or fraudulent activity is detected
• Required information is not provided

13. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with applicable financial and regulatory laws.

14. Contact Information

For questions or support, please contact our customer service team through the official channels provided on our website.

Final Note

By continuing to use the Heritage Grant-Bank Group online banking platform, you acknowledge that you understand and agree to these Terms and Conditions.