Effective Date: 05.07.2025
Welcome to Citizens Gateway Bank Inc. (“we,” “our,” or “us”). By accessing or using our website and services, you agree to comply with and be bound by the following terms and conditions.
Eligibility and Application
- You affirm that you are at least 18 years old and legally capable of entering into a loan agreement.
- All information you provide in your loan application must be true, accurate, and complete. Any false or misleading information may result in denial of service or legal consequences.
Loan Approval and Funding
- Loan approvals are subject to verification of your application and creditworthiness.
- We reserve the right to decline any application without obligation to provide reasons.
- Upon approval, loan terms including interest rates, repayment schedules, and fees will be disclosed clearly before agreement.
Repayment Terms
- Borrowers agree to repay loans according to the terms specified in their loan agreements.
- Late payments may incur additional fees and affect your credit rating.
- Failure to repay loans may result in collection activities or legal action as permitted by law.
Use of Services
- Our services must be used lawfully and ethically. Any fraudulent, abusive, or illegal activities are strictly prohibited.
- You agree not to use the site or services to transmit harmful content or interfere with operations.
Intellectual Property
- All content, logos, trademarks, and materials on this website are owned by Citizens Gateway Bank Inc. or licensed to us.
- You may not reproduce, distribute, or use content without our prior written permission.
Limitation of Liability
- Citizens Gateway Bank Inc. provides services “as is” and makes no warranties regarding accuracy, reliability, or suitability for your specific needs.
- We shall not be liable for any damages arising from use or inability to use our services, except where prohibited by law.
Modifications
- We reserve the right to modify these Terms of Use at any time. Changes will be posted on our website with updated effective dates. Continued use of our services after changes constitutes acceptance.
Governing Law
- These Terms of Use are governed by the laws of the State of North Carolina. Any disputes will be resolved in the appropriate courts of this jurisdiction.