These Terms of Service govern your use of theBNK’s platform, website, products, and services. By accessing or using our services, you agree to these terms.

1. Regulatory Status:

theBNK is a financial solutions platform and is not a chartered bank, deposit-taking institution, or government lender unless explicitly stated.

2. Eligibility:

To use our services, you must:

• Be at least 18 years old
• Provide accurate and complete information
• Be legally authorized to act on behalf of a business
• Meet applicable regional and product eligibility requirements

3. Description of Services:

theBNK may offer business financing solutions including:

• Revenue-Based Financing
• Asset-Based Financing
• Crypto-Backed Financing
• Other financial products as introduced

All products are subject to underwriting, compliance, availability, and approval.

4. Application and Verification:

By submitting an application, you:

• Confirm all provided information is truthful
• Authorize business, identity, financial, KYC, AML, and credit checks
• Consent to sharing information with funding partners and service providers for underwriting and financing
purposes

Application submission does not guarantee approval.

5. Fees, Payments, and Repayment:

Funding terms, repayment obligations, fees, rates, collateral requirements, and penalties will be outlined in your product-specific agreement.

Late or missed payments may result in:

• Additional fees
• Service restrictions
• Collection efforts
• Legal remedies
• Collateral enforcement where applicable

6. Crypto-Backed Financing Disclosure:

Crypto-backed products may involve:

• Asset volatility
• Margin requirements
• Liquidation rights
• Regulatory uncertainty
By using crypto-backed products, you acknowledge and accept these risks.

7. No Guarantee or Financial Advice:

theBNK does not guarantee funding, business outcomes, profitability, or approval. Information provided does not constitute legal, tax, or financial advice.

8. User Obligations:

You agree to:

• Provide accurate information
• Maintain lawful business practices
• Notify us of material changes
• Protect account credentials
• Use services only for legitimate purposes

9. Suspension or Termination:

theBNK may suspend, restrict, or terminate access for:

• Fraud
• Misrepresentation
• Regulatory concerns
• Breach of terms
• Security risks

10. Limitation of Liability:

To the fullest extent permitted by law, theBNK is not liable for indirect, incidental, consequential, or special damages arising from service use, funding outcomes, or third-party provider actions.

11. Indemnification:
You agree to indemnify and hold theBNK harmless from claims, losses, or liabilities resulting from misuse, false information, or violation of these Terms.

12. Intellectual Property:

All website content, branding, systems, and materials are the property of theBNK unless otherwise stated.

13. Electronic Communications Consent:

By using our platform, you consent to receiving notices, disclosures, agreements, and communications electronically.

14. Dispute Resolution:

We aim to resolve disputes informally first. If unresolved, disputes shall be resolved through binding arbitration in accordance with Ontario law, unless prohibited by applicable law.

15. Force Majeure:

theBNK is not responsible for service disruptions caused by events beyond reasonable control, including cyberattacks, regulatory actions, natural disasters, or infrastructure failures.

16. Modifications:

We may update these Terms periodically. Continued use of our services after updates constitutes acceptance.

17. Contact Us:

For legal or service questions:
theBNK Legal Team
Email: info@theBNK.com