Welcome to CIBC. These Terms of Service ("Terms") govern your access to and use of our online banking platform, products, and services ("Services"). By registering or using our Services, you agree to be legally bound by these Terms.

1. Eligibility

You must be at least 18 years old and capable of entering into legally binding agreements under applicable law. By using CIBC, you confirm that all information you provide is accurate, complete, and up to date.

2. Account Registration

To access our Services, you must create an account. You are responsible for maintaining the confidentiality of your login credentials. Any activity under your account is your responsibility. Notify us immediately of any unauthorized access or security breach.

3. Services Provided

CIBC offers digital banking services, including (but not limited to):

• Cryptocurrency and fiat deposits/withdrawals

• Internal transfers

• Wallet management

• Currency exchange

• Transaction tracking

• Customer support

Services may vary by jurisdiction and are subject to change without prior notice.

4. Prohibited Activities

You agree not to:

• Use the platform for any illegal, fraudulent, or unauthorized purpose

• Violate applicable anti-money laundering (AML), counter-terrorism financing (CTF), or sanctions laws

• Impersonate any person or entity

• Exploit the platform to cause harm, interfere with systems, or gain unauthorized access

CIBC reserves the right to suspend or terminate your account if suspicious or prohibited activity is detected.

5. Fees and Charges

Applicable fees are disclosed during each transaction and may change without prior notice. It is your responsibility to review and understand these fees before confirming any operation.

6. Withdrawal Policy

Withdrawals are subject to verification and may take 1–5 business days. We reserve the right to delay or reject withdrawals if fraud, compliance, or technical issues are suspected.

7. Risk Disclosure

By using CIBC, you acknowledge and accept that:

• Digital assets are inherently volatile and carry risk of loss

• CIBC does not guarantee returns or profits

• You are solely responsible for your investment and financial decisions

8. Compliance & KYC/AML

We may require identity verification (KYC) at any time. Failure to provide accurate documents may result in suspension or termination of your account. We comply with all AML/CTF laws applicable in our operating jurisdictions.

9. Limitation of Liability

CIBC is not liable for:

• Any losses resulting from delays, transaction errors, or third-party service disruptions

• Unauthorized access to your account due to negligence in protecting your login credentials

• Any damages, direct or indirect, arising from the use or inability to use our Services

10. Termination

We reserve the right to terminate or restrict your access to Services at any time, with or without notice, for any reason including violations of these Terms or applicable laws.

11. Changes to Terms

We may update these Terms at any time. Changes will be posted on our platform, and continued use of our Services after updates constitutes acceptance of the revised Terms.

12. Governing Law

These Terms shall be governed by the laws of [Insert Country/State], without regard to conflict of law principles. Any disputes will be resolved exclusively in the courts of [Insert Jurisdiction].

13. Contact

For any questions about these Terms, contact us at:
Email: support@cibcbanks.com