Effective Date: [Insert Date]

1. Acceptance of Terms

By accessing or using Cleavault’s website and services, you agree to these Terms & Conditions.

If you do not agree, you must discontinue use.

2. Eligibility

You must:

  • Be at least 18 years old

  • Provide accurate information

  • Comply with all applicable laws

3. Description of Services

Cleavault provides digital financial technology services.
Cleavault is not a bank unless explicitly stated and licensed in your jurisdiction.

Services may include:

  • Digital accounts

  • Payment services

  • Wallet functionality

  • Financial tools

4. Account Registration

You agree to:

  • Provide accurate and complete information

  • Maintain confidentiality of login credentials

  • Notify us immediately of unauthorized use

We reserve the right to suspend accounts suspected of fraud or misuse.

5. Compliance & Verification

To comply with AML/KYC regulations, we may:

  • Request identification documents

  • Conduct background screening

  • Monitor transactions

Failure to comply may result in account suspension.

6. Fees

Fees (if applicable) will be disclosed prior to use of services.
Cleavault reserves the right to modify fees with notice.

7. Prohibited Activities

You may not:

  • Use services for illegal purposes

  • Engage in fraud, money laundering, or terrorism financing

  • Attempt unauthorized system access

  • Reverse engineer our platform

8. Intellectual Property

All content, trademarks, branding, and materials belong to Cleavault.
Unauthorized reproduction is prohibited.

9. Limitation of Liability

To the fullest extent permitted by law:

  • Cleavault is not liable for indirect, incidental, or consequential damages.

  • We do not guarantee uninterrupted service.

10. Termination

We may suspend or terminate access:

  • For violations of these Terms

  • For regulatory reasons

  • For suspected illegal activity

11. Governing Law

These Terms are governed by the laws of [Insert Jurisdiction].

12. Dispute Resolution

Disputes may be resolved through:

  • Negotiation

  • Mediation

  • Binding arbitration (if applicable)

13. Amendments

We may update these Terms at any time. Continued use constitutes acceptance.