Of course, this is a generic example of the text for a bank's terms and conditions. Note that the exact terms may vary depending on the jurisdiction and specific policies of the bank. It is always advisable to consult a legal professional to ensure compliance with all applicable laws. --- **IN-FINANZA Bank **Terms and Conditions 1. **Bank Account:** 1.1 By opening an account with IN-FINANZA Bank, the Account Holder agrees to comply with all the terms and conditions set out below. 2. **Use of Online Services:** 2.1 The Account Holder is responsible for the confidentiality of his/her online identification information. 2.2 Any unauthorised use of the online service must be reported immediately to IN-FINANZA Bank. 3. **Transactions:** 3.1 All transactions on the Account are subject to IN-FINANZA Bank's policies. 3.2 The Bank reserves the right to refuse any suspicious or unauthorised transaction.
4. **Fees and charges:** 4.1 The fees and charges associated with banking services are set out in the Bank's Tariff Guide, which is available on request. 4.2 The bank reserves the right to change charges with reasonable notice. 5. **Liability:** 5.1 IN-FINANZA Bank is not liable for losses resulting from unauthorised access to the account, unless directly attributable to the bank's negligence. 6. **Account closure:** 6.1 The Account Holder may close the Account at any time by notifying the Bank in accordance with its established procedures. 6.2 IN-FINANZA Bank reserves the right to close an account for justified reasons and to provide prior notice where possible. 7. **Applicable law:** 7.1 These terms and conditions are governed by the laws of the jurisdiction in which IN-FINANZA Bank operates. By accepting these terms and conditions, the Account Holder acknowledges having read, understood and accepted the terms and conditions set out above. Date: [Effective Date] --- Please remember to personalise this text according to the bank's specific policies and local regulatory requirements.