**1. Acceptance of Terms:**
1.1 **Overview:**
Welcome to Caventon Banking Institution. By accessing or using our services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our services.
1.2 **Changes:**
Caventon reserves the right to modify these Terms of Service at any time. Changes will become effective upon posting. Continued use of our services constitutes acceptance of the updated terms.
**2. Use of Services:**
2.1 **Eligibility:**
You must be of legal age to use our services. By using our services, you represent that you meet this eligibility requirement.
2.2 **User Accounts:**
To access certain services, you may need to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
2.3 **Prohibited Conduct:**
You agree not to engage in any conduct that violates these terms, applicable laws, or the rights of others. Prohibited conduct includes, but is not limited to, unauthorized access, fraud, and interference with the proper functioning of our services.
**3. Privacy:**
3.1 **Data Collection:**
Our privacy practices are outlined in our Privacy Policy. By using our services, you consent to the collection and use of your data as described in the Privacy Policy.
**4. Intellectual Property:**
4.1 **Ownership:**
Caventon retains all rights, title, and interest in and to its services, including all intellectual property rights.
4.2 **Use of Content:**
You may use our services and content for personal, non-commercial purposes. Any other use requires prior written consent from Caventon.
**5. Limitation of Liability:**
5.1 **Disclaimer:**
To the extent permitted by law, Caventon provides its services "as is" and disclaims all warranties, whether express or implied, including but not limited to fitness for a particular purpose.
5.2 **Limitation of Liability:**
Caventon and its affiliates will not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use of our services.
**6. Termination:**
6.1 **Termination by Caventon:**
Caventon reserves the right to terminate or suspend your access to its services at any time, for any reason, without notice.
*By using Caventon's services, you acknowledge that you have read, understood, and agree to these Terms of Service.*