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Legal Agreement

Terms of Service

These Terms of Service govern your access to and use of all banking products, financial services, digital platforms, and related services offered by ContraCargo. Please read them carefully before opening an account or using any of our services.

1. Acceptance of These Terms

By opening an account, accessing our website, mobile application, internet banking platform, or using any service provided by ContraCargo, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service, our Privacy Policy, and any additional agreements applicable to specific products or services.

If you do not agree with any provision contained herein, you must discontinue the use of our services immediately.


2. Eligibility and Account Registration

To open and maintain an account with ContraCargo, you agree that you will:

  • Be legally eligible to enter into a binding agreement.
  • Provide complete, truthful, and up-to-date personal information.
  • Submit valid identification and verification documents where required.
  • Comply with all applicable local and international laws.
  • Promptly notify us whenever your personal information changes.

We reserve the right to decline, suspend, restrict, or terminate any account application that does not satisfy our verification, compliance, or risk assessment requirements.


3. Customer Responsibilities

As a customer, you agree to:

  • Keep your login credentials confidential at all times.
  • Never share your password, PIN, OTP, or security codes.
  • Review your account regularly.
  • Immediately notify us of any unauthorized access or suspicious activity.
  • Use your account only for lawful purposes.
  • Ensure sufficient funds are available before initiating transactions.

4. Banking Services

ContraCargo is an international financial institution providing banking and financial services across eligible jurisdictions, including but not limited to:

  • Personal and Business Banking
  • Savings and Current Accounts
  • International Money Transfers
  • Online and Mobile Banking
  • Loans and Credit Facilities
  • Investment and Wealth Management Services
  • Debit and Credit Card Services
  • Foreign Exchange Services

Service availability may vary depending on your country of residence, regulatory requirements, and applicable banking laws.


5. Transactions and Processing

All transactions are subject to verification, fraud prevention, compliance screening, and regulatory approval where applicable and it is one after the order.

  • Transactions are processed one after the other according to operational procedures.
  • Processing times may vary depending on the payment network, destination country, banking holidays, weekends, compliance reviews, or intermediary financial institutions.
  • Certain transactions may require additional verification before completion.

Where a transaction fails due to technical issues attributable to our systems, any applicable debit and eligible service charge will ordinarily be reversed to the customer's account after successful internal review, subject to applicable banking procedures and regulatory requirements.


6. Fees and Service Charges

Certain banking services may attract transaction fees, maintenance charges, currency conversion fees, processing charges, regulatory levies, or other applicable service fees.

By using our services, you authorize us to settle all applicable fees where permitted by law and the applicable account agreement.

All fees remain subject to change. Updated fee schedules may be published on our website or communicated through official customer channels.


7. Account Activity and Inactive Accounts

Customers are expected to maintain reasonable activity on their accounts and respond promptly to requests relating to pending transactions or compliance reviews.

Where an account remains inactive for an extended period, particularly where there are pending transactions, unresolved verification requirements, compliance reviews, or customer action is required, ContraCargo may temporarily restrict or place the account into an inactive status as a security and regulatory measure.

To restore full account functionality, customers may be required to contact our Customer Support team, complete identity verification, provide supporting documentation, and comply with service charge of 102 US dollar and additional security procedures.

Where permitted by applicable law and disclosed in our fee schedule, account reactivation, administrative processing, compliance review, or other related services may be subject to reasonable service or administrative fees.


8. Security and Fraud Prevention

Protecting customer assets is one of our highest priorities. Consequently, we reserve the right to:

  • Delay, reject, or suspend suspicious transactions.
  • Temporarily restrict account access during investigations.
  • Request additional identity verification.
  • Report suspicious activities to relevant regulatory authorities where legally required.

9. Privacy and Data Protection

We collect, process, store, and protect personal information in accordance with applicable privacy and data protection laws.

By using our services, you consent to the collection and processing of your information for identity verification, fraud prevention, regulatory compliance, service improvement, and customer support.


10. Electronic Communications

You agree to receive statements, notices, security alerts, transaction confirmations, disclosures, and other communications electronically via email, SMS, mobile application notifications, internet banking, or other approved communication channels.


11. Compliance with International Regulations

As an international banking institution, ContraCargo complies with applicable anti-money laundering (AML), counter-terrorist financing (CTF), sanctions, Know Your Customer (KYC), and other international regulatory obligations.

Customers agree to cooperate with any reasonable request for documentation or information required for regulatory compliance.


12. Suspension and Termination

We reserve the right to suspend, restrict, freeze, or permanently terminate any account where:

  • Fraud or illegal activity is suspected.
  • False information has been provided.
  • These Terms have been violated.
  • Required verification is not completed.
  • Applicable laws or regulatory requirements require such action.

13. Intellectual Property

All trademarks, logos, software, website content, branding, graphics, and intellectual property associated with ContraCargo remain our exclusive property and may not be copied, reproduced, or distributed without prior written permission.


14. Disclaimer of Warranties

While we strive to provide uninterrupted services, we cannot guarantee continuous availability due to scheduled maintenance, technical issues, third-party service providers, force majeure events, or regulatory requirements.


15. Limitation of Liability

To the maximum extent permitted by law, ContraCargo shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from the use or inability to use our services.


16. Amendments

We may amend these Terms of Service from time to time to reflect changes in law, technology, business practices, or regulatory requirements. Continued use of our services after such changes constitutes acceptance of the revised Terms.


17. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws applicable in the jurisdiction where the relevant banking relationship is maintained, together with applicable international banking regulations and regulatory obligations.


18. Contact Information

If you have any questions concerning these Terms of Service or require assistance regarding your account, please contact us:

Email: info@contracargo.online

Customer Support: Available 24 Hours

Website: https://contracargo.online

International Banking Services: Customer assistance available worldwide through our secure online banking platform.

Last Updated: April 6th 2026.

By continuing to access or use any service provided by ContraCargo, you acknowledge that you have read, understood, and agreed to these Terms of Service.

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