Terms of Service

Introduction

These Terms of Service govern your access to and use of Cosmopolitan Trust Bank products, platforms, and services. By opening an account or using our services, you agree to these terms.

Eligibility & Account Opening

Clients must be 18 years or older and provide valid identification, proof of address, and source-of-funds documentation. Cosmopolitan Trust Bank reserves the right to approve or decline applications at its discretion.

Deposit & Withdrawal Policies

Deposits and withdrawals may be subject to verification and compliance review. Settlement times vary by currency, location, and payment network.

Investment Risks

All investments involve risk. Past performance does not guarantee future results. Clients are responsible for understanding the risks associated with stocks, ETFs, forex, and digital assets.

Card Usage

Cards must be used in accordance with network rules. Fraudulent or prohibited activity may result in card suspension or account closure.

Data Protection

We collect and process personal data in line with our Privacy Policy and applicable data protection laws. Security measures protect your information, but no system is entirely immune to unauthorized access.

AML & Compliance Policy

Cosmopolitan Trust Bank adheres to global AML, KYC, and sanctions screening requirements. Suspicious activity may be reported to relevant authorities.

Termination of Service

Either party may terminate the banking relationship upon written notice. Cosmopolitan Trust Bank may suspend or terminate services for compliance breaches or misuse.

Governing Law

These terms are governed by the laws of the United States. Disputes shall be resolved in the state and federal courts located in New York.