Effective Date: 10/01/2025

Welcome to Spade Bank. These Terms of Use (“Terms”) govern your access to and use of our banking services, website, and digital platforms. By accessing or using any service provided by Spade Bank, you agree to be bound by these Terms.

 

1. Acceptance of Terms

By accessing or using any services offered by Spade Bank, including but not limited to online banking, mobile banking, and visiting our website, you confirm that you have read, understood, and agree to comply with these Terms.

 

2. Eligibility

To use Spade Bank’s services, you must:

• Be at least 18 years of age (or the legal age of majority in your jurisdiction)
• Have the legal capacity to enter into a binding agreement
• Provide accurate and complete personal and financial information

 

3. Account Security

You are responsible for maintaining the confidentiality of your account credentials, including usernames, passwords, and any other authentication methods. Notify Spade Bank immediately of any unauthorized use or breach of security.

 

4. Use of Services

You agree to use our services only for lawful purposes and in accordance with applicable laws and regulations. You may not:

• Attempt to gain unauthorized access to any Spade Bank system or data
• Use our services to conduct or promote any illegal activity
• Interfere with the operation or security of our platforms

 

5. Privacy

Spade Bank values your privacy. Our use of your personal information is governed by our Privacy Policy, which outlines how we collect, use, and protect your data. By using our services, you consent to our data practices.

 

6. Fees and Charges

Certain services may be subject to fees. All applicable fees, interest rates, and charges will be disclosed in your account agreement or at the time of service usage.

 

7. Intellectual Property

All content, trademarks, logos, and other materials displayed on our platforms are the property of Spade Bank or its licensors. You may not reproduce, distribute, or create derivative works without our written permission.

 

8. Third-Party Services

Our services may contain links to or integrations with third-party services. Spade Bank is not responsible for the content, accuracy, or practices of third-party providers. Use them at your own risk.

 

9. Termination

We may suspend or terminate your access to services at any time, with or without cause or notice, if we believe you have violated these Terms or engaged in fraudulent or unlawful activity.

 

10. Disclaimer of Warranties

Spade Bank services are provided “as is” and “as available.” We make no warranties or guarantees about the accuracy, reliability, or availability of our services.

 

11. Limitation of Liability

To the fullest extent permitted by law, Spade Bank shall not be liable for any indirect, incidental, or consequential damages arising from the use or inability to use our services.

 

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated effective date. Continued use of services after changes constitute acceptance of the new Terms.

 

13. Governing Law

These Terms are governed by the laws of [Insert Country or Jurisdiction]. Any disputes arising shall be resolved in the competent Court.

 

14. Contact Us

For questions or concerns about these Terms, please contact us at:

Spade Bank Customer Service
Phone: +447887013992 
Email: info@spadebank.com
Address: 2th Floor, anchorage house, 2 Clove Cres, London E14 2BE, UK