Terms of service

Cirtus Trust · 1 Harbour Street, Wilmington, DE

1. Who we are

These terms govern your use of accounts and services provided by Cirtus Trust (“we”, “us”). By opening an account you accept them. If you do not, please do not use the service.

2. Opening an account

You must be at least 18 and give accurate information. We may ask for identity documents before raising your limits, and we may decline or close an account where we are required to, or where information given to us proves to be false.

3. Your responsibilities

• Keep your password, transfer PIN and one-time codes to yourself. We will never ask for them.
• Tell us promptly if you think someone else has used your account.
• Check your statements and raise anything that looks wrong within 30 days.
• Do not use the account for anything unlawful.

4. Payments

You are responsible for the details you enter. A payment sent to the wrong account because of details you supplied may not be recoverable. Outward payments may be held for review; where a payment is declined, any funds held for it are released back to your available balance.

5. Fees

Applicable fees are shown before you confirm a payment and again on the receipt. We will give notice before changing our fees.

6. Loans

Loans are offered at our discretion. The amount, rate, term and total repayable are shown to you before you apply and confirmed on approval. Repayments are taken from your available balance. You may repay early at no extra cost.

7. Suspension and closure

We may suspend an account or hold transfers where we suspect fraud, where we are required to by law, or where these terms have been breached. We will tell you the reason unless we are prohibited from doing so.

8. Liability

We are not liable for losses caused by circumstances outside our reasonable control, or by your failure to keep your credentials secure. Nothing here limits liability that cannot lawfully be limited.

9. Changes

We may update these terms. Material changes will be notified to you by email and in your account inbox before they take effect.

10. Contact

Questions about these terms go to support@cirtus.online.