Cosmos Capital Terms of Service

1. Introduction

Welcome to Cosmos Capital. By accessing or using our banking services, you agree to the following Terms of Service. Please read them carefully before proceeding.

2. Account Eligibility

• Be at least 18 years old (or meet state-specific age requirements).
• Provide accurate and complete identification information.
• Agree to comply with all applicable laws and regulations.

3. Account Usage

• You must maintain your account in good standing, including adhering to deposit and withdrawal policies.
• Unauthorized use or fraudulent activity may result in account suspension or closure.
• Fees and charges applicable to your account will be disclosed in your account agreement.

4. Transactions & Fees

• Deposits and withdrawals must comply with federal and state banking regulations.
• Transaction fees, overdraft fees, and other charges are outlined in the fee schedule.
• Cosmos Capital reserves the right to modify fees with prior notice.

5. Privacy & Security

• Cosmos Capital values your privacy and follows industry-standard security protocols to protect your data.
• Review our Privacy Policy for details on how we handle your personal information.

6. Liability & Disputes

• Cosmos Capital is not liable for losses resulting from unauthorized transactions unless promptly reported.
• Dispute resolution will follow procedures outlined in your account agreement, including arbitration where applicable.

7. Amendments & Updates

• Cosmos Capital may update these Terms at any time, with notification provided to account holders.
• Continued use of our services after changes constitute acceptance of the updated terms.

Cosmos Capital Privacy Policy

1. Introduction

Cosmos Capital values your privacy and is committed to protecting your personal and financial information. This Privacy Policy outlines how we collect, use, and safeguard your data when you use our banking services.

2. Information We Collect

• Personal Identification: Name, address, phone number, email, Social Security number.
• Financial Information: Account details, transaction history, payment data.
• Device & Online Data: IP address, browser type, login details, cookies.
• Communication Records: Customer support interactions, correspondence with Cosmos Capital.

3. How We Use Your Information

• Process transactions and manage your account.
• Provide customer support and respond to inquiries.
• Prevent fraud and maintain security.
• Comply with legal obligations and regulatory requirements.
• Improve our banking services and tailor offerings to your needs.

4. Information Sharing

• Regulatory Authorities: As required by law.
• Affiliated Service Providers: For transaction processing, account management, or fraud prevention.
• Third-Party Vendors: Who assist with banking operations, under strict confidentiality agreements.

5. Data Protection & Security

• Encryption protocols to protect sensitive data.
• Multi-factor authentication (MFA) for secure account access.
• Regular security audits to detect vulnerabilities.
• Limited employee access based on need-to-know principles.

6. Your Rights & Choices

• Access or request correction of your personal data.
• Opt-out of certain non-essential communications.
• Limit data sharing with third parties, subject to legal obligations.
• Close your account and request deletion of personal information, where applicable.

7. Cookies & Online Tracking

Our website uses cookies to enhance functionality and analyze usage patterns. You can manage cookie settings through your browser preferences.

8. Changes to This Policy

Cosmos Capital may update this Privacy Policy periodically. We will notify account holders of significant changes via email or official announcements.

9. Contact Us

For privacy-related inquiries, contact our Customer Privacy Office at contact@cosmoscapital.pro

Cosmos Capital Terms & Conditions

1. Acceptance of Terms

By accessing or using Cosmos Capital’s banking services, you agree to these Terms & Conditions. If you do not agree, please refrain from using our services.

2. Account Holder Responsibilities

• You must provide accurate and complete personal and financial information.
• You are responsible for maintaining confidentiality of account login credentials.
• Unauthorized account activity must be reported immediately.

3. Transactions & Fees

• All transactions are subject to verification and approval by Cosmos Capital.
• Fees, including overdraft charges, account maintenance fees, and transfer fees, are disclosed in the fee schedule.
• Cosmos Capital reserves the right to amend fees with prior notice.

4. Banking Services

• Access to Cosmos Capital’s services may be subject to restrictions based on your location.
• Service interruptions may occur due to maintenance or external factors.
• Cosmos Capital may modify or discontinue services with appropriate notice.

5. Privacy & Security

• Your personal information is handled as described in our Privacy Policy.
• Cosmos Capital employs encryption and security measures to protect account data.
• Customers must take precautions to protect their own information, including avoiding phishing scams and unauthorized disclosures.

6. Liability & Dispute Resolution

• Cosmos Capital is not liable for losses resulting from unauthorized transactions unless promptly reported.
• Any disputes will be resolved in accordance with applicable banking laws and arbitration agreements.
• Customers agree to resolve disputes through formal channels outlined in their banking agreement.

7. Modifications to Terms

• Cosmos Capital may amend these Terms & Conditions periodically.
• Customers will be notified of significant changes via email or official statements.
• Continued use of Cosmos Capital’s services after changes constitutes acceptance of revised terms.

8. Governing Law

These Terms & Conditions are governed by United States federal banking regulations and state-specific financial laws.

9. Contact Information

For questions regarding these Terms & Conditions, contact us at contact@cosmoscapital.pro