TERMS AND CONDITIONS
Terms and Conditions
SantarisTrust Bank S.A.
Effective Date: 2020
Welcome to SantarisTrust Bank. These Terms and Conditions (“Terms”) govern your use of our online banking services. By accessing or using our services, you agree to comply with these Terms.
1. Definitions
Bank: SantarisTrust Bank S.A., registered in Poland.
User/Customer: Any individual or entity using our banking services.
Account: A bank account registered with SantarisTrust Bank.
Online Banking: Digital banking services provided via our website or mobile app.
PSD2: The Revised Payment Services Directive applicable in the European Union.
2. Eligibility and Account Registration
You must be at least 18 years old and a resident of Poland or an eligible foreign national.
A valid government-issued ID (PESEL, NIP, passport) and proof of address are required.
You must provide accurate information and update it as necessary.
3. Use of Online Banking Services
You are responsible for maintaining the confidentiality of your login credentials.
Transactions made through your account are binding unless unauthorized access is proven.
We use Strong Customer Authentication (SCA) under PSD2 regulations for security.
We reserve the right to suspend or terminate accounts suspected of fraud, illegal activities, or security breaches.
4. Transactions and Payments
Transactions must comply with Polish banking laws and KNF (Polish Financial Supervision Authority) regulations.
Processing times depend on the type of transaction and recipient bank.
Unauthorized transactions must be reported within 13 months to be eligible for investigation.
Refunds and chargebacks will be processed according to Polish consumer protection laws.
5. Fees and Charges
Our banking services may include fees for certain transactions (e.g., international transfers, account maintenance).
Fees are listed in our [Fee Schedule] and may be updated with prior notice.
You agree to pay any applicable fees related to your account usage.
6. Security and Liability
We employ encryption, two-factor authentication (2FA), and fraud detection systems to protect your data.
You must report lost or stolen login credentials immediately to prevent unauthorized access.
The bank is not liable for losses due to user negligence (e.g., sharing passwords, using unsecured networks).
Compensation for unauthorized transactions follows Polish banking regulations.
7. Data Protection and Privacy
We collect and process personal data in accordance with GDPR and Polish data protection laws.
Our [Privacy Policy] explains how we use and store your information.
You have rights to access, correct, or delete your data as per GDPR regulations.
8. Account Suspension and Termination
We may suspend or terminate your account if:
Fraudulent or illegal activities are detected.
You violate banking regulations or these Terms.
You fail to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.
You can request account closure by contacting our customer support. Outstanding fees and obligations must be settled before closure.
9. Dispute Resolution
Disputes should be reported to our customer service for resolution.
If unresolved, complaints can be filed with the Financial Ombudsman in Poland or KNF.
Legal disputes will be handled under Polish law and the jurisdiction of Polish courts.
10. Amendments to Terms
We may update these Terms periodically, with prior notice via email or website notification.
Continued use of our services after updates implies acceptance of the new Terms.
11. Contact Information
For inquiries or complaints, contact:
SantarisTrust Bank S.A.
Poland
Email: support@santaristrust.com
Phone: +48 573 560 817
For official banking disputes:
Polish Financial Ombudsman
Website: https://rf.gov.pl
Phone: +48 22 333 73 26
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By using our services, you acknowledge and agree to these Terms and Conditions, ensuring compliance with Polish and EU banking regulations.
