These Terms of Use ("Terms") govern your access to and use of the CBiBank IDMe identity verification service (the "Service"). By accessing or using the Service you agree to be bound by these Terms.

1. Eligibility

You must be of legal age and have the authority to accept these Terms to use the Service.

2. Accounts and security

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately of any unauthorized use.

3. Acceptable use

• Provide accurate, current, and complete information.
• Do not submit documents or data that are not your own or that you are not authorized to submit.
• Do not attempt to disrupt, reverse engineer, or gain unauthorized access to the Service.

4. Identity verification

The Service assists with identity verification and regulatory compliance but does not guarantee any particular outcome. Verification results may be shared with the relevant institution responsible for your onboarding.

5. Intellectual property

The Service, including its software, design, and content, is owned by CBiBank IDMe or its licensors and is protected by intellectual-property laws.

6. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, to the fullest extent permitted by law.

7. Limitation of liability

To the maximum extent permitted by law, CBiBank IDMe shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

8. Termination

We may suspend or terminate access to the Service for any breach of these Terms.

9. Governing law and changes

These Terms are governed by the laws of the applicable jurisdiction. We may update these Terms from time to time; continued use constitutes acceptance of the updated Terms. Questions may be directed to your support team.