1. Acceptance of Terms

By accessing or using the Credlio online digital banking services, you agree to comply with and be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our services.

2. Description of Service

Credlio provides online digital banking services, including but not limited to account management, fund transfers, bill payments, and other financial services.

3. User Registration

To access certain features of Credlio, you may be required to register for an account. You agree to provide accurate and complete information during the registration process and to update such information to keep it accurate and current.

4. Security and Account Access

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify Credlio immediately of any unauthorized use of your account or any other breach of security.

5. Prohibited Activities

You agree not to engage in any prohibited activities, including but not limited to unauthorized access, data scraping, fraud, or any activity that disrupts the integrity or performance of Credlio's services.

6. Privacy Policy

Your use of Credlio is also governed by our Privacy Policy. By using the service, you consent to the terms of the Privacy Policy.

7. Fees and Payments

Certain features of Credlio may have associated fees. By using these features, you agree to pay the specified fees. All fees are non-refundable unless otherwise stated.

8. Termination of Service

Credlio reserves the right to terminate or suspend your account at any time, without notice, for any reason. You may terminate your account by ceasing to use the services.

9. Disclaimer of Warranties

Credlio provides its services on an "as-is" and "as-available" basis. We do not warrant that our services will be uninterrupted, secure, or error-free.

10. Limitation of Liability

Credlio shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of our services.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of [Your Jurisdiction].

12. Changes to Terms of Service

Credlio reserves the right to update and change these Terms of Service at any time. Users will be notified of any changes, and continued use of the service after modifications constitutes acceptance of the updated terms.