2. Banking Services

Imperial Capital Affluent Banking provides a full spectrum of financial solutions, including:

• Deposit accounts: current, savings, wealth market, and fixed deposits
• Lending: personal credit, private mortgages, aircraft & luxury asset financing
• Digital banking: online and mobile access
• Investment and wealth advisory services
• Cross-border and multi-currency international banking

3. Account Terms

When opening or maintaining an account, you agree to:

• Provide accurate and current personal and financial information
• Maintain the confidentiality of your login credentials
• Comply with applicable minimum balance and eligibility criteria
• Accept that interest rates and account terms are subject to change
• Understand that accounts may be closed for non-compliance with our policies

4. Digital Banking

Use of digital platforms is subject to:

• Availability, maintenance schedules, and network performance
• Your responsibility to safeguard device access and login credentials
• Potential access suspension due to suspicious activity or breaches
• Electronic communications replacing paper documents where permitted
• Feature availability varying by account type and region

5. Security

Imperial Capital Affluent Banking upholds industry-leading security standards:

• Multi-factor authentication is mandatory for high-risk activities
• Prompt notification is required in case of unauthorized access
• Strong, frequently updated passwords are recommended
• We will never request full credentials via email, phone, or SMS
• Data is encrypted and protected through institutional-grade protocols

6. Transactions

For all transactions:

• Processing timelines depend on transaction type and submission time
• International wires may require verification and are subject to FX rates
• Transaction limits may apply for your protection
• Pending transactions may impact available balances
• Delays caused by external networks are outside our control

7. Fees and Charges

Our pricing structure includes:

• Account maintenance and service fees, based on account type
• Transaction fees for select services, such as wires or FX
• Overdraft and non-sufficient fund charges where applicable
• Publicly available fee schedules
• Right to amend fees with proper notice

8. Privacy and Data Protection

We are committed to protecting your data:

• All personal data is handled in line with Canadian privacy legislation
• We only collect data necessary to deliver requested services
• Security measures are in place to protect your personal and financial data
• Your data may be shared with regulatory authorities when required
• Our full Privacy Policy is available online

9. Limitation of Liability

To the fullest extent permitted by law:

• Imperial Capital Affluent Banking is not liable for indirect, incidental, or consequential damages
• Liability does not extend to force majeure events such as power outages or natural disasters
• Our total liability is limited to the amount of fees paid for the service in question

10. Contact Information

For inquiries regarding these Terms and Conditions, please contact: