
<?php include "master.php" ?>
<!-- Terms of Service Page --> <section class="relative py-16 lg:py-20 bg-gradient-to-br from-slate-900 via-primary-900 to-gray-900 dark:from-gray-900 dark:via-primary-900 dark:to-black overflow-hidden">     <!-- Background Effects -->     <div class="absolute inset-0">         <div class="absolute inset-0 opacity-10">             <div class="absolute top-0 left-0 w-full h-full" style="background-image: radial-gradient(circle at 25% 25%, #ffffff 1px, transparent 1px), radial-gradient(circle at 75% 75%, #ffffff 1px, transparent 1px); background-size: 60px 60px; animation: float 20s ease-in-out infinite;"></div> 
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                  <div class="relative z-10 max-w-4xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="text-center mb-12">             <div class="inline-flex items-center px-4 py-2 bg-white/10 backdrop-blur-sm text-white/90 rounded-full text-sm font-semibold mb-6 border border-white/20">                 <i class="fa-solid fa-file-contract mr-2"></i>                 Legal Information             </div> 
                     <h1 class="text-4xl sm:text-5xl lg:text-6xl font-bold text-white mb-4">                 Terms of Service             </h1>             <p class="text-xl text-gray-300 max-w-2xl mx-auto">                 Please read these terms carefully before using our banking services             </p>         </div> 
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  <!-- Terms Content --> <section class="py-16 bg-white dark:bg-gray-900">     <div class="max-w-4xl mx-auto px-4 sm:px-6 lg:px-8">         <div class="bg-white dark:bg-gray-800 rounded-2xl shadow-xl p-8 lg:p-12">             <div class="prose prose-lg dark:prose-invert max-w-none">                 <h2>1. Acceptance of Terms</h2>                 <p>By accessing and using  <?php echo getSiteConfig('sitename'); ?> banking services, you accept and agree to be bound by the terms and provision of this agreement.</p>                  <h2>2. Account Opening and Maintenance</h2>                 <p>To open an account with  <?php echo getSiteConfig('sitename'); ?>, you must:</p>                 <ul>                     <li>Be at least 18 years of age</li>                     <li>Provide accurate and complete information</li>                     <li>Maintain the security of your account credentials</li>                     <li>Comply with all applicable laws and regulations</li>                 </ul>                  <h2>3. Account Security</h2>                 <p>You are responsible for maintaining the confidentiality of your account information and password. You agree to notify us immediately of any unauthorized use of your account.</p>                  <h2>4. Services and Fees</h2>                 <p> <?php echo getSiteConfig('sitename'); ?> provides various banking services including but not limited to:</p>                 <ul>                     <li>Savings and checking accounts</li>                     <li>Online and mobile banking</li>                     <li>Loan services</li>                     <li>Investment products</li>                     <li>Credit cards</li>                 </ul>                  <h2>5. Privacy and Data Protection</h2>                 <p>We are committed to protecting your privacy and personal information. Please review our Privacy Policy for detailed information about how we collect, use, and protect your data.</p>                  <h2>6. Electronic Communications</h2>                 <p>By using our services, you consent to receive communications from us electronically, including account statements, notices, and other disclosures.</p>                  <h2>7. Limitation of Liability</h2>                 <p> <?php echo getSiteConfig('sitename'); ?> shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.</p>                  <h2>8. Modifications to Terms</h2>                 <p>We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new terms on our website.</p>                  <h2>9. Governing Law</h2>                 <p>These terms shall be governed by and construed in accordance with the laws of the jurisdiction in which  <?php echo getSiteConfig('sitename'); ?> operates.</p>                  <h2>10. Contact Information</h2>                 <p>If you have any questions about these Terms of Service, please contact us at:</p>                 <div class="bg-gray-50 dark:bg-gray-700 p-4 rounded-lg mt-4">                     <p class="mb-2"><strong>Email:</strong> <?php echo getSiteConfig('sitemail'); ?></p>                     <p class="mb-2"><strong>Phone:</strong> <?php echo getSiteConfig('sitenumber'); ?></p>                     <p><strong>Address:</strong> 123 Banking Street, Financial District, New York, NY 10001</p>                 </div> 
                          <div class="mt-8 pt-8 border-t border-gray-200 dark:border-gray-700">                     <p class="text-sm text-gray-600 dark:text-gray-400">                         Last updated: April 25, 2026                     </p>                 </div> 
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