Legal Disclaimer

By accessing or using the PremiumWest Bank platform, you agree to be bound by these Terms of Service. We may collect and process personal information including your name, email address, phone number, and financial data as required to deliver our banking services and comply with applicable regulations. You may choose not to provide certain information, but this may limit your ability to access specific features of our platform.

Credit Reporting Terms of Service

PremiumWest Bank may access your credit information from authorised credit reporting agencies as part of our account approval and lending processes. By using our services, you authorise us to conduct such enquiries in accordance with applicable credit reporting laws. All credit data is handled with the highest level of confidentiality.

1. Credit checks are conducted only with your explicit consent during account or loan applications.
2. Your credit score is never shared with third parties without your authorisation.
3. You have the right to request a copy of any credit report used in making a decision about your account.
4. Disputes related to credit information can be raised directly with our compliance team at any time.

Ownership of Site & Agreement to Terms of Use

The PremiumWest Bank platform, including all content, features, software, and intellectual property, is owned by PremiumWest Bank Ltd and protected under applicable copyright and intellectual property laws. By creating an account and using our services, you agree to these Terms in full.

We reserve the right to update or modify these Terms at any time. Continued use of the platform following any such changes constitutes your acceptance of the revised Terms. We will notify registered users of material changes via email or in-app notification.

Provision of Services

PremiumWest Bank offers a range of digital financial services including but not limited to: personal and business accounts, domestic and international money transfers, multi-currency wallets, payment cards, savings products, and financing solutions. We reserve the right to modify, suspend, or discontinue any service at any time with reasonable notice.

• Services are available to eligible users aged 18 and above.
• Account features may vary based on your verification tier and jurisdiction.
• Transaction limits may apply depending on your account type and activity history.
• We reserve the right to suspend accounts that violate our acceptable use policy.
• All services are provided subject to applicable financial regulations and licensing requirements.
• Support is available 24/7 via our in-app chat, email, and phone channels.

Limitation of Liability

PremiumWest Bank shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the platform, including but not limited to loss of funds resulting from unauthorised third-party access where you have failed to safeguard your account credentials or report suspicious activity in a timely manner.

Accounts, Passwords & Security

You are responsible for maintaining the confidentiality of your account credentials, including your password and PIN. You agree to notify PremiumWest Bank immediately if you suspect any unauthorised access or security breach involving your account.

We strongly recommend enabling two-factor authentication (2FA) on your account for an additional layer of protection. PremiumWest Bank will never ask for your password or full PIN via email, phone, or any communication channel.