Terms of Service

1. Acceptance of Terms

By accessing or using Blueoak Reserve's digital services (the "Platform"), you agree to these legally binding terms. If you disagree, discontinue use immediately.

2. Account Eligibility

You must:

• Be 18+ years old
• Provide accurate information
• Not be prohibited by law from using financial services

3. Permitted Use

The Platform allows you to:

• Manage accounts, cards, and loans
• Make permitted transactions
• Access financial tools

4. Fees & Payments

• Fees for specific services (e.g., international transfers) are available. Contact us.
• You authorize us to debit fees automatically from your linked account.

5. Termination

We may suspend or close accounts for:

• Violating these terms
• Suspicious activity
• Inactivity for 24+ months

6. Limitation of Liability

We are not liable for:

• Indirect damages (e.g., lost profits)
• Third-party service failures
• Unauthorized access due to your negligence

7. Dispute Resolution

• Claims must be filed within 1 year of the incident.
• UK courts govern disputes, with arbitration encouraged first.

8. Amendments

We may update these terms with 30 days' notice (via email or in-app alert). Continued use constitutes acceptance.