Welcome to Marbella Bank. By accessing or using our services, including our mobile application and website, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully.

1. Introduction

1.1 Marbella Bank ("we," "our," or "us") is a mobile banking application offering online financial services, including multi-currency wallets, low-fee transfers, and secure payment solutions. Our services are provided through our mobile app and related website, accessible at www.marbellabank.com.

1.2 Marbella Bank is registered in London under the business name "Marbella Bank Ltd."

1.3 By using our services, you agree to these Terms and Conditions, and any updates or amendments made to them from time to time.

2. Contact Information

For any questions or concerns, please contact us at:

Email: mail@marbellabank.com
Business Registration: Marbella Bank Ltd., London, UK

3. Eligibility and Account Requirements

3.1 To use our services, you must be at least 18 years old and legally capable of entering into a binding contract.

3.2 You will need to provide the following information to register and use our services:

• Full Name
• Email Address
• Residential Address
• Front and Back ID for identity verification

3.3 You must ensure that the information you provide is accurate, complete, and up-to-date. If your information changes, you agree to promptly update your details within the app.

4. Verification Process

4.1 As part of our verification process, we require users to submit government-issued identification documents, including a front and back image of your ID. This is to ensure compliance with anti-money laundering (AML) and know-your-customer (KYC) regulations.

4.2 Upon successful submission of your ID and other requested documents, we will verify your information and activate your account. Marbella Bank reserves the right to deny access to our services if the verification fails.

5. User Account and Security

5.1 You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

5.2 You agree to immediately notify us of any unauthorized use of your account or any other security breach.

6. Services Provided

6.1 Marbella Bank offers a range of financial services, including:

• Multi-currency wallets
• Bank transfers (domestic and international)
• Secure payments and transactions
• Currency exchange with low fees

6.2 Our services are available only to users who have successfully registered and been verified through the app.

7. Fees and Charges

7.1 Marbella Bank reserves the right to charge fees for certain transactions or services. Any fees will be disclosed clearly before you complete a transaction.

7.2 We reserve the right to update the fees and charges from time to time, and we will notify you of any significant changes.

8. Privacy and Data Protection

8.1 We are committed to protecting your personal information. We will only collect and use your data as described in our Privacy Policy, which can be accessed on our website.

8.2 By using our services, you consent to the collection and processing of your personal data in accordance with our Privacy Policy.

9. Prohibited Activities

9.1 You agree not to engage in any illegal or fraudulent activities, including but not limited to money laundering, identity theft, or the use of the app for any unlawful transactions.

9.2 Marbella Bank reserves the right to suspend or terminate your account if we suspect any fraudulent activity or violation of these Terms and Conditions.

10. Account Termination and Suspension

10.1 Marbella Bank may suspend or terminate your account if you violate any terms of this agreement or if we are required to do so by law or regulatory authorities.

10.2 You may terminate your account at any time by contacting us at mail@marbellabank.com. Upon termination, your account and any associated data will be removed from our systems, subject to our data retention policies.

11. Disclaimers and Limitation of Liability

11.1 Our services are provided "as is" and we do not make any representations or warranties regarding the accuracy, reliability, or availability of the services.

11.2 Marbella Bank is not liable for any loss, damage, or inconvenience resulting from the use or inability to use our services, including any delays or failures in processing transactions.

12. Governing Law

12.1 These Terms and Conditions are governed by the laws of the United Kingdom.

12.2 Any disputes arising under these Terms and Conditions will be subject to the exclusive jurisdiction of the courts of the United Kingdom.

13. Changes to Terms and Conditions

13.1 Marbella Bank reserves the right to modify, update, or change these Terms and Conditions at any time. You will be notified of significant changes via email or through a notification in the app.

13.2 It is your responsibility to review these Terms and Conditions regularly to stay informed about any updates.

14. Contact Information

For any questions regarding these Terms and Conditions, please contact us at:

Email: mail@marbellabank.com
Business Registration: Marbella Bank Ltd., London, UK

15. Agreement

By using Marbella Bank’s services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.