Terms of Service Agreement

Effective Date: November 17, 2025 | Last Updated: November 17, 2025

1. Eligibility Requirements & Account Registration

To access and use cutiesbank.com, you must meet the following criteria:

• Minimum Age: You must be at least 18 years old or have reached the age of majority in your jurisdiction. Users under 18 are strictly prohibited from using our services.
• Accurate Information: All registration information provided must be complete, accurate, and current. You agree to promptly update any changes to your account information.
• Account Security: You are solely responsible for maintaining the confidentiality of your login credentials, including passwords and authentication tokens. All activities conducted under your account are your responsibility.
• Legal Compliance: You warrant that your use of the Platform complies with all applicable local, state, national, and international laws, regulations, and ordinances.
• Single Account: Each user may maintain only one account unless explicitly authorized by Platform administration. Multiple accounts for the same individual are prohibited.
• Account Transfer Prohibition: Accounts are non-transferable and may not be sold, traded, gifted, or otherwise transferred to any third party.

2. Acceptable Use Policy

While using cutiesbank.com, you agree not to engage in any of the following prohibited activities:

• Illegal Activities: Conduct or promote any unlawful activities, including but not limited to fraud, money laundering, terrorism financing, or distribution of controlled substances.
• Intellectual Property Infringement: Upload, post, transmit, or distribute content that infringes upon copyrights, trademarks, patents, trade secrets, or other proprietary rights of any party.
• Harmful Content: Distribute viruses, malware, Trojan horses, worms, time bombs, cancelbots, or any other harmful or destructive code designed to interrupt, destroy, or limit the functionality of any computer software or hardware.
• Harassment & Abuse: Engage in harassment, threats, intimidation, stalking, or any form of abusive behavior toward other users or Platform staff.
• Spam & Unsolicited Communications: Send unsolicited commercial messages, chain letters, pyramid schemes, or engage in any form of spamming.
• Impersonation: Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
• Unauthorized Access: Attempt to gain unauthorized access to other user accounts, computer systems, or networks connected to the Platform through hacking, password mining, or any other means.
• Data Mining: Use automated scripts, bots, crawlers, or data mining tools to collect information from or otherwise interact with the Platform without our express written permission.
• Commercial Activities: Engage in unauthorized commercial activities, including advertising, promotions, or solicitations without prior written consent from Platform administration.
• Circumvention: Attempt to circumvent, disable, or otherwise interfere with security-related features of the Platform or features that prevent or restrict use.

3. User Content & Intellectual Property Rights

User Content: You retain ownership of any content you create, upload, or post to the Platform ("User Content"). However, by submitting User Content, you grant cutiesbank.com a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform your User Content in connection with the Platform.

Content Standards: You represent and warrant that your User Content:

• Does not violate any third-party rights, including intellectual property, privacy, or publicity rights
• Is not defamatory, obscene, pornographic, or otherwise objectionable
• Does not contain confidential or proprietary information of any third party
• Complies with all applicable laws and regulations

Platform Content: All content provided by cutiesbank.com, including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of the Platform or its content suppliers and is protected by international copyright laws.

4. Platform Rights & Service Modifications

cutiesbank.com reserves the following rights:

• Content Moderation: We may review, monitor, edit, or remove any User Content at our sole discretion for any reason, including violation of these Terms.
• Account Management: We reserve the right to suspend, terminate, or restrict access to any user account for violations of these Terms or for any other reason at our sole discretion.
• Service Modifications: We may modify, update, interrupt, or discontinue any aspect of the Platform at any time without prior notice. We are not liable for any modification, suspension, or discontinuance of services.
• Refusal of Service: We reserve the right to refuse service to anyone for any reason at any time.
• Investigations: We may investigate violations of these Terms and cooperate with law enforcement authorities in prosecuting users who violate the law.

5. Privacy & Data Protection

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to our collection, use, and disclosure of information as described in the Privacy Policy.

Data Security: While we implement reasonable security measures to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the security of your account credentials.

International Users: If you access the Platform from outside our primary jurisdiction, you consent to the transfer and processing of your data in accordance with our Privacy Policy.

6. Third-Party Services & External Links

The Platform may contain links to third-party websites, services, or resources that are not owned or controlled by cutiesbank.com. We:

• Do not endorse or assume responsibility for any third-party content, privacy policies, or practices
• Are not liable for any damage or loss caused by your use of or reliance on any third-party content, goods, or services
• Recommend that you review the terms and privacy policies of any third-party sites you visit

7. Limitation of Liability & Disclaimers

DISCLAIMER OF WARRANTIES: THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, cutiesbank.com, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from unauthorized access to or alteration of your transmissions or data
• Statements or conduct of any third party on the Platform
• Any content posted, emailed, transmitted, or otherwise made available through the Platform
• The cost of procurement of substitute goods and services
• Errors, mistakes, or inaccuracies of content
• Personal injury or property damage resulting from your use of the Platform
• Any bugs, viruses, Trojan horses, or the like that may be transmitted through the Platform

JURISDICTIONAL LIMITATIONS: Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

8. Indemnification

You agree to defend, indemnify, and hold harmless cutiesbank.com, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms of Service
• Your use of the Platform, including any User Content you submit
• Your violation of any rights of a third party
• Your violation of any applicable laws, rules, or regulations

9. Termination & Account Suspension

These Terms remain in effect while you use the Platform. We may suspend or terminate your account or your access to the Platform at any time, for any reason, including if we believe you have violated these Terms.

User-Initiated Termination: You may deactivate your account at any time through your account settings.

Effect of Termination: Upon termination:

• Your right to use the Platform will immediately cease
• You must cease all use of the Platform
• Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability

10. Dispute Resolution & Governing Law

Governing Law: These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

Dispute Resolution: Before filing any legal action, you agree to first attempt to resolve the dispute informally by contacting us at [support email]. If the dispute cannot be resolved informally, both parties agree to resolve any claims through binding arbitration rather than in court, except for matters that may be taken to small claims court.

Class Action Waiver: Both parties agree that each may bring claims against the other only in their individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

11. Changes to Terms of Service

We reserve the right to modify or replace these Terms at any time at our sole discretion. If we make material changes, we will provide notice through the Platform, via email, or by other means prior to the changes taking effect.

Continued Use: Your continued use of the Platform following the posting of any changes to these Terms constitutes acceptance of those changes. If you do not agree to the modified Terms, you must discontinue using the Platform.

Review Responsibility: It is your responsibility to review these Terms periodically for changes. The "Effective Date" and "Last Updated" date at the top of this page indicate when these Terms were last revised.

12. Contact Information & Support

If you have any questions about these Terms of Service, please contact us:

• Support Page: Visit Our Support Center
• Legal Inquiries: [Legal Department Email]
• Mailing Address: [Company Legal Address]