General Terms of Use

Acceptance of Terms

By accessing or using Klamma services, including our website, mobile applications, and online banking platform, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our services.

Account Responsibilities

As an account holder, you agree to:

• Provide accurate and complete information when opening accounts
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized access or security breaches
• Comply with all applicable laws and regulations
• Use our services only for lawful purposes
• Keep your contact information current and accurate

Prohibited Activities

You may not use our services to:

• Engage in fraudulent or illegal activities
• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit malware, viruses, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of our services
• Impersonate another person or entity

Service Availability

While we strive to provide continuous service, we do not guarantee uninterrupted access to our online banking platform. We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. We are not liable for any service interruptions or technical issues.

Intellectual Property

All content on our website and applications, including text, graphics, logos, images, and software, is the property of Klamma or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Limitation of Liability

To the fullest extent permitted by law, Klamma shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount of fees you paid to us in the twelve months preceding the claim.

Dispute Resolution

Any disputes arising from these Terms of Use shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits or class-wide arbitration.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. We will notify you of material changes by posting the updated terms on our website or through other communication channels. Your continued use of our services after such changes constitutes acceptance of the modified terms.

Contact Information

For questions about these Terms of Use, please contact us at legal@klamma.com or call +1 (929) 447-0515.