Investment Group Bank
Last Updated: 27/07/2025

1. Introduction

These Terms & Conditions (“Terms”) govern your access to and use of all products, services, and digital platforms provided by Investment Group Bank (“the Bank,” “we,” “us,” or “our”).
By opening an account, accessing our website, or using any of our banking services, you agree to be bound by these Terms.

If you do not agree, you must discontinue use of the Bank’s services.

2. Eligibility

To open and maintain an account with the Bank, you must:

  • Be at least 18 years old (or the legal age of majority in your jurisdiction)

  • Provide accurate personal and identification details

  • Successfully complete the Bank’s KYC/AML verification process

  • Not be prohibited from receiving financial services under applicable regulations

We reserve the right to refuse service or close accounts that do not meet our requirements.

3. Account Registration & Verification

During registration, you must provide accurate and complete information. You agree to:

  • Maintain updated personal and contact details

  • Provide requested identification documents

  • Cooperate with ongoing verification or enhanced due diligence processes

Failure to comply may lead to account suspension or termination.

4. Digital Banking Services

Investment Group Bank offers online and mobile banking services that allow you to:

  • View account balances and transactions

  • Transfer funds

  • Apply for loans and cards

  • Update personal information

  • Access financial tools and support

We may modify, upgrade, or discontinue any features with or without prior notice.

5. Security Responsibilities

You agree to:

  • Keep your login credentials confidential

  • Use strong passwords and update them regularly

  • Notify the Bank immediately of suspected unauthorized access

  • Avoid sharing account access with any third party

The Bank is not liable for losses resulting from compromised login credentials due to user negligence.

For security concerns, contact: [email protected]

6. Transactions & Payments

By using your account, you authorize the Bank to process all instructions submitted through your credentials.
You are responsible for ensuring:

  • Accuracy of transaction details

  • Sufficient funds for payments

  • Compliance with applicable laws

The Bank may delay or decline transactions that appear suspicious, fraudulent, or violate regulatory requirements.

7. Fees & Charges

You agree to pay all applicable fees including:

  • Account maintenance fees

  • Transaction charges

  • Card issuance or replacement fees

  • Loan processing fees

  • Foreign exchange or international transfer costs

All fees will be displayed on our website and may be updated with notice.

8. Interest, Loans & Credit Services

Loan and credit products are subject to approval based on:

  • Creditworthiness

  • Financial history

  • KYC/AML verification

  • Internal risk assessments

Interest rates, repayment terms, and penalties will be disclosed in the loan agreement provided at approval.

Failure to meet repayment obligations may result in:

  • Additional charges

  • Account restrictions

  • Reporting to credit bureaus

  • Legal recovery actions

9. Cards (Debit & Credit)

When issued a debit or credit card, you agree to:

  • Keep the card secure at all times

  • Report lost or stolen cards immediately

  • Set strong PINs and avoid sharing them

  • Use the card only for lawful transactions

Unauthorized use must be reported promptly via [email protected].

10. Fraud Prevention & AML Compliance

Investment Group Bank complies with global standards on:

  • Anti-Money Laundering (AML)

  • Counter-Terrorism Financing (CTF)

  • Know Your Customer (KYC)

  • Sanctions monitoring

We may request additional documents at any time and reserve the right to:

  • Block transactions

  • Freeze accounts

  • Report suspicious activity

11. Account Suspension or Closure

We may suspend or close your account if:

  • Required by law or regulatory bodies

  • You provide false or misleading information

  • Fraud or suspicious activity is detected

  • You violate these Terms

  • You fail to complete verification requirements

You may close your account at any time by contacting us.

12. Data Protection & Privacy

We process personal data in accordance with our Privacy Policy and Data Protection & Security Policy, which describe:

  • What data we collect

  • How we use it

  • How we store and protect it

  • Your rights

By using our services, you consent to our data processing practices.

13. Availability of Services

While we strive to maintain continuous availability, digital banking services may experience:

  • Maintenance downtime

  • System upgrades

  • Technical interruptions

  • Third-party service outages

The Bank is not responsible for losses resulting from temporary service unavailability.

14. Intellectual Property

All content on the website and mobile app—including logos, design, text, and software—is the property of Investment Group Bank and may not be reproduced without permission.

15. Prohibited Activities

You agree not to use your account for:

  • Money laundering or fraud

  • Illegal gambling

  • Terrorism financing

  • Selling prohibited goods or services

  • Abuse of payment systems

  • Activities violating international sanctions

Violations may result in immediate account closure and reporting to authorities.

16. Liability Limitations

The Bank is not liable for:

  • Losses caused by user negligence

  • Delays or failures due to technical issues

  • Unauthorized access resulting from compromised devices

  • Third-party actions or system outages

  • Indirect or consequential damages

Our maximum liability is limited to the amount of the disputed transaction, where applicable.

17. Updates to Terms

We may revise these Terms periodically. Updates will be posted on our website with a revised “Last Updated” date.
Continued use of our services constitutes acceptance of updated Terms.

18. Communication

We may contact you through:

  • Email

  • In-app notifications

  • Website announcements

For inquiries, contact:
[email protected]

19. Governing Law

These Terms are governed by the applicable financial and consumer protection laws of the jurisdiction in which Investment Group Bank operates or provides services.

20. Contact Information

For questions or concerns regarding these Terms:

Email: [email protected]