Terms of Service

Last updated: April 18, 2026

These Terms of Service govern your use of CB Finance Access's services. By opening an account or using our services, you agree to these terms.

1. Account Opening and Eligibility

To open an account, you must be at least 18 years old, a U.S. resident, and provide valid identification. We reserve the right to refuse service or close accounts that violate these terms.

2. Account Security

You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately of any unauthorized access. We are not liable for losses resulting from unauthorized use of your account if you fail to protect your credentials.

3. Transactions and Fees

All transactions are subject to our fee schedule. We reserve the right to modify fees with 30 days' notice. Insufficient funds may result in overdraft fees. Transaction limits apply to certain account types.

4. Platform Nature & Disclaimer

CB Finance Access is a financial technology platform. We are not a chartered bank or credit union. Banking services, where applicable, are facilitated through licensed third-party banking partners. Funds held through partner institutions may be subject to separate terms and conditions. We do not guarantee any specific level of deposit insurance. Please review the terms of any partner institution separately.

5. Prohibited Activities

You may not use our services for:

  • Illegal activities or money laundering
  • Fraud or deceptive practices
  • Violating sanctions or export control laws
  • Unauthorized access to other accounts

6. Account Closure

Either party may close an account at any time. We may close accounts for violations of these terms, suspicious activity, or regulatory requirements. You will receive notice and remaining funds will be returned.

7. Limitation of Liability

We are not liable for indirect, incidental, or consequential damages. Our liability is limited to the amount of the transaction in question, except where prohibited by law.

8. Dispute Resolution

Disputes will be resolved through binding arbitration. You waive the right to participate in class action lawsuits. This agreement is governed by the laws of the State of New York.

9. Contact Information