Please read these terms carefully before using our services.
By accessing or using the websites, mobile applications, products, and services of Unity Oak's Trust ("we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.
These terms constitute a legally binding agreement between you and Unity Oak's Trust regarding your use of our banking products and services.
To use our services, you must:
When you open an account with us, you agree to:
Important: You are responsible for maintaining the confidentiality of your account credentials. We are not liable for any loss or damage arising from unauthorised use of your account.
By using our services, you consent to receive electronic communications from us. These communications may include:
Fees for our products and services are disclosed in our Rate and Fee Schedule. We may modify fees with notice as required by law. You agree to pay all fees associated with your accounts.
| Account Type | Monthly Fee | Waiver Requirements |
|---|---|---|
| Basic Checking | £0 | No minimum balance |
| Plus Checking | £5 | Waived with £1,500 daily balance |
| Premium Checking | £10 | Waived with £5,000 daily balance |
Your use of electronic fund transfer services is governed by our Electronic Fund Transfer Agreement and applicable law. You agree to:
Our mobile banking app allows you to:
Standard message and data rates may apply. You are responsible for any fees charged by your mobile carrier.
As a global bank with branches in the United States, Germany, France, and Brazil, international transactions are subject to:
Our website and app may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of those sites. Accessing third-party links is at your own risk.
You may not use our services for:
We may suspend or terminate your access to our services:
To the maximum extent permitted by law, Unity Oak's Trust shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount of fees you paid in the 12 months preceding the claim.
You agree to indemnify and hold Unity Oak's Trust harmless from any claims, losses, liabilities, and expenses arising from your violation of these terms or your use of our services.
These terms are governed by the laws of the United Kingdom, without regard to conflict of law principles. Any disputes shall be resolved in the courts of London, United Kingdom.
We may modify these terms at any time. We will notify you of material changes through our website or other communication channels. Your continued use of our services after changes constitutes acceptance.
For questions about these Terms and Conditions, please contact us:
Our legal team is available to help.
