Terms of Service

1. Introduction

Welcome to IstateBank. This User Agreement ("Agreement") sets forth the terms and conditions governing your use of our landing page and the services provided by our company. By accessing and using our website, you agree to abide by the terms of this Agreement and acknowledge that you have read, understood, and accepted all provisions herein. Please read this document carefully before engaging with any of our services.

This Agreement outlines the obligations and rights of both IstateBank and the users, and explains the handling of your personal information according to applicable privacy laws. We are committed to protecting your privacy while ensuring that our services are provided in a secure, lawful, and efficient manner. As you use our services, please note that your continued access implies your unconditional acceptance of these terms.

2. Definitions

For the purposes of this Agreement:

• "User" refers to any individual or entity that accesses or uses the services provided by IstateBank.
• "Services" refers to any and all services provided by IstateBank, which may include but are not limited to marketing, online promotions, digital content publishing, and other web-based offerings.
• "Personal Information" means any information about an individual that can be used to identify, contact, or locate that individual, directly or indirectly, and also includes any sensitive personal data as defined by applicable local laws and regulations.
• "Cookies" refers to small files stored on your device by your web browser, which enable enhanced functionality, analytics, and personalization of your experience on our site.

3. Service Usage and User Obligations

You agree that by using the services provided by IstateBank, you shall comply with all applicable laws and regulations. You are solely responsible for any actions taken or omitted while using our website and services. The following terms apply:

• Lawful Use: You must only use the services for lawful purposes. Any attempt to undermine the functionality or security of our site or to breach any network or system security is strictly prohibited.
• Accurate Information: You are responsible for providing accurate, current, and complete information as requested when registering or using our services.
• Prohibited Activities: The use of automated systems or software to extract data, spam, or interfere with operations is not permitted.
• Compliance: You agree to comply with all instructions provided by IstateBank pertaining to the use of our services.

4. Privacy and Data Protection

Protecting your Personal Information is of utmost importance to us. We adhere to strict data protection protocols that ensure your information is handled securely and in accordance with both our internal policies and prevailing legal frameworks. In particular, we provide the following commitments:

• Data Collection: We collect Personal Information that you voluntarily provide to us through our website.
• Data Purpose and Usage: Any Personal Information you provide is used solely for the purposes of fulfilling requested services and enhancing user experience.
• Data Security: We implement industry-standard security measures, including encryption and secure servers.
• Data Retention: Your Personal Information is retained only for as long as necessary to fulfill the purposes outlined in this Agreement.
• User Rights: You have the right to request access to your Personal Information, request corrections, and, where applicable, request deletion of your data.

5. Cookie Policy

Our website uses cookies to enhance your browsing experience, analyze site traffic, and personalize content. Cookies are small text files placed on your device which help us recognize you on subsequent visits. Here is an overview of how we use cookies:

• Essential Cookies: Necessary for the proper functioning of our website.
• Analytical Cookies: Used to gather statistical data on site usage.
• Preference Cookies: Allow our website to remember choices you have made in the past.

By continuing to use our website, you consent to our use of cookies as described in this section. You may modify your browser settings to manage and prevent cookies.

6. Intellectual Property Rights

All content, trademarks, logos, and intellectual property displayed on this website are the exclusive property of IstateBank or our respective licensors. Any unauthorized use of identified materials is strictly prohibited without prior written consent.

7. Limitation of Liability and Disclaimer

To the fullest extent permitted by law, IstateBank and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of our website and services.

The services provided by IstateBank are delivered on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether expressed or implied.

8. Indemnification

You agree to indemnify and hold harmless IstateBank and its affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of your unauthorised use of the website or violation of this Agreement.

9. Modification and Termination

IstateBank reserves the right to modify or amend this Agreement at any time without prior notice. Continued use of the website following any modifications constitutes your acceptance of the new terms.

Furthermore, IstateBank may terminate or suspend your access to our services at its sole discretion, without prior notice, for any reason, including but not limited to breaches of this Agreement.

10. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with applicable laws and regulations. Any disputes arising from this Agreement shall be resolved through mutually agreed methods of alternative dispute resolution prior to pursuing any litigation.

11. Data Request Information

If you have any questions or concerns in relation to this Agreement or our privacy practices—including requests to access, rectify, or delete your Personal Information—please direct your inquiry through the contact form available on our website.

12. Final Provisions

By accessing and using the services offered by IstateBank, you acknowledge and agree to all the terms outlined in this Agreement, which constitutes a binding contract between you and IstateBank. Your continued use of our website represents ongoing acceptance of these terms.

This Agreement constitutes the entire understanding between you and IstateBank with respect to your use of our services. If any provision of this Agreement is determined to be unenforceable, the remaining provisions shall remain in full force and effect.

Effective as of March 12, 2026, these terms apply to all users of our services and will remain in effect unless and until revised by IstateBank. We sincerely appreciate your trust in IstateBank.