Terms & Conditions
These Terms & Conditions ("Terms") govern your access to and use of the website operated by US Banking Information & Assistance ("we," "us," "our," or "Service").
By accessing or using this website, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree with these Terms, please discontinue use of the website.
1. Independent Service Provider
This is an independent information and guidance service.
We are not a bank, credit union, card issuer, payment processor, financial institution, or government agency.
We are not affiliated with, sponsored by, authorized by, or endorsed by Citibank, Bank of America, Chase, Wells Fargo, or any other bank or financial institution.
2. Nature of Our Service
Our website and telephone service provide general information and guidance concerning common banking-related topics, including general card and payment information.
Information provided through our service is general in nature and may not apply to your particular financial situation.
Our service does not provide official account-specific support for any bank or financial institution.
3. No Account Access or Transactions
We do not access or control users' bank accounts and do not perform banking transactions on behalf of users.
We do not reset bank passwords, change account credentials, authorize payments, transfer funds, cancel transactions, or perform other account-specific banking functions.
Never provide us with confidential banking credentials.
We do not require your online banking password, PIN, CVV, one-time authentication code, full card number, or other confidential security credentials.
4. Information Accuracy
We make reasonable efforts to provide useful and understandable general information. However, banking products, policies, procedures, fees, eligibility requirements, and services may vary between financial institutions and may change over time.
We do not guarantee that all information presented on the website is complete, current, or applicable to your particular situation.
For official information about your account, contact the financial institution that maintains your account directly.
5. No Financial or Professional Advice
Information provided through this website or by our service team is for general informational purposes only.
It should not be considered financial, investment, legal, tax, accounting, or other professional advice.
You should obtain advice from an appropriately qualified professional when you require advice relating to your specific circumstances.
6. User Responsibilities
When using our website or contacting our service team, you agree to:
- Provide accurate information when voluntarily submitting information.
- Use the website only for lawful purposes.
- Not interfere with the operation or security of the website.
- Not impersonate another person or organization.
- Not submit malicious software or harmful content.
- Not provide confidential banking credentials through the website or service.
7. Telephone Communications
When you contact us by telephone, we may collect information necessary to respond to your inquiry.
Depending on our telephone-system configuration and applicable law, calls or call-related information may be logged or recorded for quality assurance, training, security, or service-improvement purposes.
Where required by applicable law, appropriate notice or consent will be provided.
8. Website Availability
We attempt to keep the website available and operational. However, we do not guarantee uninterrupted, error-free, or continuous access.
We may modify, suspend, or discontinue portions of the website when reasonably necessary.
9. Third-Party Websites and Services
Our website may contain links to third-party websites or services.
Third-party websites operate independently and may have their own terms, privacy policies, and practices. We are not responsible for the content, availability, security, or practices of third-party websites.
10. Intellectual Property
Unless otherwise indicated, the content, design, text, graphics, logos, and other materials on this website are owned by or licensed to us and are protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, publish, or commercially exploit website content without appropriate authorization.
11. Prohibited Use
You may not use this website to:
- Commit or facilitate unlawful activity.
- Attempt unauthorized access to systems or data.
- Distribute malicious software.
- Interfere with website security or operation.
- Impersonate a bank or financial institution.
- Misrepresent your relationship with any financial institution.
- Submit confidential financial credentials.
12. Privacy
Your use of this website is also subject to our Privacy Policy , which explains how information may be collected, used, and protected.
13. Disclaimer of Warranties
To the extent permitted by applicable law, the website and its content are provided on an "as is" and "as available" basis.
We do not guarantee that the website or information provided will be uninterrupted, error-free, complete, accurate, or suitable for every individual purpose.
14. Limitation of Liability
To the extent permitted by applicable law, we will not be responsible for losses or damages arising from your use of, or reliance upon, general information provided through the website or service.
Nothing in these Terms is intended to exclude or limit liability that cannot lawfully be excluded or limited under applicable law.
15. Changes to These Terms
We may update these Terms from time to time to reflect changes to our website, services, business practices, or applicable legal requirements.
The updated version will be posted on this page with a revised "Last Updated" date.
16. Termination
We may restrict or terminate access to the website where reasonably necessary, including in response to misuse, unauthorized activity, security concerns, or violations of these Terms.
17. Governing Law
These Terms will be governed by applicable law in the jurisdiction where the business is legally established, except where applicable law provides otherwise.
Nothing in these Terms is intended to limit any rights or protections that cannot legally be waived.
18. Contact Us
Questions about these Terms may be directed to:
Business Name: [Your Legal Business Name]
Email: [Your Business Email Address]
Phone: [Your Business Phone Number]
Address: [Your Business Mailing Address]
Important Service Notice
US Banking Information & Assistance is an independent service provider.
We provide general banking information and guidance relating to common banking, card, and payment topics. We are not a bank, credit union, card issuer, payment processor, or financial institution.
We are not affiliated with, sponsored by, authorized by, or endorsed by any bank or financial institution.
For official account-specific assistance, transactions, disputes, or other banking matters, contact the financial institution that maintains your account using its official contact information.