Terms of Service

Last Updated: January 1, 2024

Welcome to Kerec Banking Services. These Terms of Service govern your access to and use of our website, information, and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement. Additionally, when using particular services or features, you shall be subject to any posted guidelines or rules applicable to such services. Any participation in this service constitutes acceptance of this agreement. If you do not agree to abide by these Terms, please do not use this website or its services.

2. Description of Service

Kerec Banking Services provides information and educational content related to international banking, SWIFT codes, wire transfers, and related financial topics. Our service is informational in nature and is not intended to provide specific financial, legal, or investment advice. We do not operate as a financial institution and cannot process transactions, open accounts, or provide direct banking services.

The information provided on this website is for general informational purposes only. While we strive to maintain accurate and current information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on the website.

3. User Responsibilities

As a user of our website, you agree to:

• Provide accurate and complete information when using our contact forms or other interactive features
• Use the information provided for lawful purposes only and in compliance with all applicable laws and regulations
• Not attempt to gain unauthorized access to any portion of the website or any systems or networks connected to the website
• Not use the website in any manner that could damage, disable, overburden, or impair our servers or networks
• Not attempt to interfere with the proper working of the website or any activities conducted on the website
• Not use automated systems or software to extract data from the website without our express written consent

4. Intellectual Property Rights

The content, organization, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to this website are protected under applicable copyrights, trademarks, and other proprietary rights. The copying, redistribution, use, or publication by you of any such matters or any part of the website is strictly prohibited unless explicitly authorized in writing by us.

All trademarks, service marks, and trade names are proprietary to us or other respective owners that have granted us the right and license to use such marks. You may not use, copy, reproduce, republish, upload, post, transmit, distribute, or modify these trademarks in any way without our prior written consent.

5. Disclaimer of Warranties

This website and all information, content, materials, products, and services included on or otherwise made available to you through this website are provided on an "as is" and "as available" basis unless otherwise specified in writing. We make no representations or warranties of any kind, express or implied, as to the operation of the website or the information, content, materials, products, or services included on or otherwise made available to you through this website.

We do not warrant that the website, its servers, or communications sent from us are free of viruses or other harmful components. We will not be liable for any damages of any kind arising from the use of this website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

6. Financial Information Disclaimer

The information provided on this website regarding banking codes, wire transfers, and international banking procedures is for educational purposes only and should not be construed as financial advice. We are not a financial institution, bank, or licensed financial advisor. Any decisions you make based on information provided on this website are your sole responsibility.

For specific financial advice, banking transactions, or account-related matters, you should consult directly with your financial institution or a qualified financial advisor. Banking regulations, procedures, and fees may vary and change over time. Always verify information with your bank before initiating any financial transactions.

7. Limitation of Liability

To the fullest extent permitted by applicable law, we 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:

• Your access to or use of or inability to access or use the website
• Any conduct or content of any third party on the website
• Any content obtained from the website
• Unauthorized access, use, or alteration of your transmissions or content
• Any errors or omissions in any content or for any loss or damage incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available through the website

8. Links to Third-Party Websites

Our website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

9. Privacy Policy

Your use of our website is also governed by our Privacy Policy. We collect and process personal information in accordance with applicable privacy laws and regulations. By using our website, you consent to the collection and use of information as described in our Privacy Policy. We do not sell or share your personal information with third parties for marketing purposes.

10. Modifications to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website after any revisions become effective, you agree to be bound by the revised terms.

11. Termination

We may terminate or suspend your access to our website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Indemnification

You agree to defend, indemnify, and hold harmless Kerec Banking Services and its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the website.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

14. Dispute Resolution

Any disputes arising out of or relating to these Terms or the use of our website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in New York, New York. You agree to submit to the personal jurisdiction of the courts located within New York County, New York for the purpose of litigating all such claims or disputes.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our website and supersede and replace any prior agreements we might have had between us regarding the website.

16. Contact Information

If you have any questions about these Terms of Service, please contact us through our contact page. We will make reasonable efforts to respond to inquiries in a timely manner.

17. Acknowledgment

By using this website, you acknowledge that you have read these Terms of Service and agree to be bound by them. You also acknowledge that these Terms constitute a binding agreement between you and Kerec Banking Services.