Terms of Service

Welcome to Advantage Federal. These Terms of Service ("Terms") govern your use of our banking services, websites, mobile applications, and any related services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. Please read these Terms carefully before using our Services. They contain important information about your legal rights, remedies, and obligations. If you do not agree to these Terms, you may not access or use our Services.

Throughout these Terms, the following definitions apply: - "Account" means any banking account you open with Advantage Federal. - "Services" means all banking products, services, content, and features offered by Advantage Federal. - "User", "you", and "your" refer to the individual accessing or using our Services. - "We", "us", and "our" refer to Advantage Federal and its affiliates. - "Device" means any computer, mobile phone, tablet, or other device used to access our Services. - "Content" means all information, text, graphics, photos, or other materials uploaded or appearing on our Services.

1. Eligibility: To use our Services, you must be at least 18 years old and capable of forming a binding contract with Advantage Federal. 2. Account Creation: You must provide accurate and complete information when creating an account with us. You are responsible for maintaining the confidentiality of your account credentials. 3. Account Security: You are responsible for all activities that occur under your account. Notify us immediately of any unauthorized use of your account or any other security breach. 4. Account Verification: We may require additional information to verify your identity before granting access to certain Services. 5. Account Termination: We reserve the right to suspend or terminate your account if we suspect fraudulent or illegal activity.

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 the practices described in our Privacy Policy. We collect information you provide directly to us, information about your use of our Services, and information from third parties. We use this information to provide, maintain, and improve our Services, to develop new services, and to protect Advantage Federal and our users. We implement appropriate security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

By using our Services, you consent to receive communications from us electronically, such as emails, texts, mobile push notices, or notices and messages through our Services. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You may opt out of receiving promotional communications from us by following the instructions in those communications. If you opt out, we may still send you non-promotional communications, such as those about your account or our ongoing business relations.

You agree to pay all fees and charges applicable to your account(s) with us. Our current fee schedule is available on our website and may be updated from time to time. We will provide you with notice of any changes to our fees and charges as required by law. Fees may include, but are not limited to: monthly maintenance fees, overdraft fees, ATM fees, wire transfer fees, and foreign transaction fees. You are responsible for any third-party fees that may apply, such as ATM operator fees. We may deduct fees directly from your account balance. If your account does not have sufficient funds to cover fees, we may overdraw your account or take other actions as permitted by law.

To the fullest extent permitted by law, Advantage Federal 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: (a) your access to or use of or inability to access or use the Services; (b) any conduct or content of any third party on the Services; (c) any unauthorized access to or use of our servers and/or any personal information stored therein; (d) any interruption or cessation of transmission to or from our Services; (e) any bugs, viruses, Trojan horses, or the like that may be transmitted to or through our Services. Our total liability to you for all claims arising out of or relating to these Terms or your use of our Services shall not exceed the amount of fees you paid to us for use of the Services during the six-month period preceding the event giving rise to the claim.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of our Services shall be resolved in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of such courts. We make no representation that our Services are appropriate or available for use in locations outside the United States. If you choose to access our Services from outside the United States, you do so at your own risk and are responsible for compliance with local laws.