Terms of Service

Last updated: July 1, 2026

1. Acceptance of Terms

By opening an account, accessing our website, or using the Capital Trust Bank of Switzerland mobile app, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Account Eligibility

To open an account, you must be at least 18 years of age, provide accurate and complete identification information, and pass our identity verification and compliance checks. We reserve the right to decline any application at our discretion.

3. Accounts & Services

• You are responsible for maintaining the confidentiality of your login credentials, PIN, and authentication codes.
• You must notify us immediately of any unauthorized access or suspicious activity on your account.
• We may place holds on transactions or accounts as part of routine security, fraud prevention, or compliance review.
• Account features, limits, and available products may vary by jurisdiction and are subject to change.

4. Fees & Charges

Applicable fees for accounts, cards, transfers, and other services are disclosed at the time of account opening or product application, and are also available upon request from customer support. We will provide advance notice of any material change to fees where required by law.

5. Acceptable Use

You agree not to use our services for any unlawful purpose, including money laundering, fraud, or financing of illegal activity. We reserve the right to monitor, restrict, or report activity that we reasonably believe violates these terms or applicable law.

6. Limitation of Liability

To the extent permitted by law, Capital Trust Bank of Switzerland is not liable for indirect, incidental, or consequential damages arising from your use of our services, except where such liability cannot be excluded under applicable regulation.

7. Suspension & Termination

We may suspend or close your account if we reasonably suspect fraud, a violation of these terms, or a legal or regulatory requirement to do so. You may close your account at any time by contacting customer support, subject to settlement of any outstanding balances.

8. Intellectual Property

All content, trademarks, and technology associated with our website and mobile app are the property of Capital Trust Bank of Switzerland or its licensors, and may not be copied, reproduced, or used without prior written consent.

9. Governing Law

These Terms of Service are governed by the laws of Switzerland, without regard to conflict of law principles, unless otherwise required by the regulations applicable to your local jurisdiction.

10. Changes to These Terms

We may update these Terms of Service from time to time. Continued use of our services after changes take effect constitutes acceptance of the revised terms. Material changes will be communicated in advance where required by law.

11. Contact Us

Questions about these Terms of Service can be directed to legal@capitrsiw.com or through our Contact page.