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Online & Mobile Banking Agreement

Introduction. This Online and Mobile Banking Agreement (“agreement”) sets forth the terms and conditions that apply to your access and use of the Privato Bank online banking services (“service”) provided by the Global Wealth Fund, a member of the SIPC and SFSC. In this agreement, “you” refers to each owner and the authorized user(s) on the accounts that are accessed via the service. The terms “we”, “us”, “our” and the “bank” refer to Privato Bank. This agreement incorporates, supplements and supersedes where inconsistent, the terms of your Deposit Account Agreement with us. Your use of the service will be deemed further evidence of your agreement to these terms. The service is made available to you via the bank’s website, located at privatobank.com (“website”). Please read this agreement carefully before accessing or using the service via the website. Do not use the service if you do not agree to the terms of this agreement. By accessing or using this service, you represent that you have read and agree to be bound by this agreement in its entirety and all applicable laws, rules and regulations governing your use of the website. This agreement may be amended by posting a new version to the website, which version will be effective upon posting.
Our Service. The service may allow you to access the following features and services: (1) online account access, (2) deposits, (3) withdrawals, (4) statements & ledgers, (5) inter-account transfers and (6) intra-institution transfers.
Your Equipment. To use the service you must have the browser and equipment described in the Electronic Communications Agreement. You are responsible for the selection, installation, maintenance and operation of your computer and software. We are not responsible for any errors, failures or malfunctions of your computer, mobile phone or software or for any computer virus or related problems that may occur with your use of this service. You are responsible for ensuring that your computer and/or mobile phone and software are compatible with our system. We reserve the right to change our system requirements from time to time. We reserve the right to support only certain types of mobile phones and mobile operating systems. Note: some browser software may store user names and security codes to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser’s “help section” for instructions regarding how to take this action.
Your Login Credentials. You will have one or more user ID’s, passwords and/or other means of identification and authentication (collectively, “Login Credentials”) that will be needed to access the service. You are responsible for keeping your login credentials secure and protected. Never place your login credentials on or near your computer or mobile phone. For security reasons we may disable your login credentials if they are entered incorrectly several times. We may act on any service instruction that is accompanied by your login credentials. You agree not to disclose your login credentials to anyone.
Account Balance and Transaction Information. You can use the service to obtain account balance and transaction information anytime of the day, seven days a week, except when the system is unavailable for maintenance or other reasons. Please note the the information provided may not include recent transactions and may include funds that are not subject to immediate withdrawal.