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Terms of Service

Effective Date: August 2026

Welcome to NOVA BANK. By accessing or using our digital banking interface, mobile applications, and financial services, you agree to comply with and be bound by the following terms and conditions.

1. Account Registration & Eligibility

To access NOVA BANK services, you must be at least 18 years of age and complete our identity verification process (KYC). You agree to provide accurate, current, and complete information during registration and to keep your account credentials secure.

2. Digital Services & Transfers

NOVA BANK facilitates real-time international ledger transfers, wire settlements, and account management. All fund requests, wire routing, and transaction authorizations are subjected to automated fraud screening and regulatory compliance reviews.

3. User Responsibilities & Security

You are responsible for maintaining the confidentiality of your login credentials, multi-factor authentication devices, and personal information. NOVA BANK will never request your account passwords via email or unverified channels.

4. Electronic Communication & Support

By using our customer support hub, you consent to receive electronic communications regarding ticket resolutions, account alerts, and transaction verification messages.

5. Demonstration Notice

This platform operates as a custom software architecture demo. Simulated account balances, automated ticket workflows, and live chat features are generated for platform testing and evaluation purposes.

6. Governing Law

These terms shall be governed by and construed in accordance with standard international software and financial services compliance frameworks.

© 2026 NOVA BANK Inc. All rights reserved.