Terms of Service

Acceptance of terms

These Terms of Service (“Terms") govern your access to and use of the Meridian Crest Financial Bank demonstration website and any related services (collectively, the “Services”). By using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the site.

Eligibility and accounts

The Services are intended for users who are at least 18 years old and can form a binding contract. You may be asked to create a demo account. You are responsible for keeping your account credentials secure and for all activity that occurs under your account.

Because this is a demo environment, you must not use real financial account numbers, passwords, or other sensitive credentials that you use with actual financial institutions.

Description of services

Meridian Crest provides a simulated online banking experience for demonstration purposes only. No real deposits, loans, investments, insurance products, or other financial services are offered through this site. Any balances, rates, or transactions shown are illustrative and do not represent real money or binding offers.

Fees and payments

Access to the demo Services is provided free of charge. No real payments are processed, and no fees are owed for using the demonstration features. Any rates or fees displayed on the site are examples only.

User responsibilities

• Provide accurate information when creating an account or submitting forms.
• Maintain the confidentiality of your login credentials.
• Use the Services only for lawful purposes and in compliance with these Terms.
• Notify us promptly if you suspect unauthorized access to your account.

Prohibited activities

You may not use the Services to violate any law, infringe intellectual property rights, distribute malware, attempt to gain unauthorized access to systems, harass others, or interfere with the operation of the site. We may suspend or terminate access for violations.

Intellectual property

All content, branding, designs, and code on this site are owned by or licensed to Meridian Crest and are protected by copyright, trademark, and other laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.

Limitation of liability

To the fullest extent permitted by law, Meridian Crest and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Services. Because this is a demo, you assume all risks associated with any test data you enter.

Indemnification

You agree to indemnify and hold harmless Meridian Crest from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Services, your violation of these Terms, or your violation of any rights of another party.

Dispute resolution and governing law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Services will be resolved in the state or federal courts located in New York County, New York.

Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these Terms. You may stop using the Services at any time.

Changes to these terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a revised “Last updated” date. Your continued use of the Services after changes are posted means you accept the updated Terms.

Contact information

If you have questions about these Terms, please contact us.