Effective Date: 1st January, 2026.
Welcome to Panbrooks Credit Union. These Terms & Conditions ("Terms") govern your use of our website, mobile app, and financial services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. Please read them carefully.
You must be at least 18 years old or the legal age in your jurisdiction to open an account or use our Services. By using our Services, you confirm that you meet this requirement.
To access certain features, you may be required to create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to use our Services only for lawful purposes and in accordance with these Terms. You may not:
Use the Services for any fraudulent or illegal activities
Impersonate any person or entity
Interfere with the security or integrity of our systems
Attempt unauthorized access to other accounts or networks
Reverse engineer, decompile, or disassemble any part of our Services
Our financial services include but are not limited to:
Loans
Savings accounts
Long-term deposits
Wire transfers
Other related services
All services are subject to eligibility criteria, approval processes, and applicable terms that may be provided at the time of service use or application.
Some of our Services may be subject to fees. You will be informed of any applicable fees before you proceed with a transaction. You agree to pay all charges and fees incurred in connection with your use of the Services.
All content, logos, trademarks, and materials available through the Services are the property of Panbrooks Credit Union or its licensors and are protected by intellectual property laws. You may not use, copy, or reproduce any content without our prior written permission.
Our collection and use of your personal data are governed by our Privacy Policy, which is incorporated into these Terms by reference.
To the fullest extent permitted by law, Panbrooks Credit Union is not liable for any indirect, incidental, special, or consequential damages, or loss of profits, data, or goodwill arising out of your use of the Services.
Our Services are provided "as is" and "as available." We make no warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We reserve the right to suspend or terminate your access to the Services at any time for any reason, including violation of these Terms or suspected fraudulent activity.
We may update these Terms from time to time. Any changes will be effective when posted. Your continued use of the Services after changes are posted constitutes your acceptance of the updated Terms.
These Terms are governed by the laws of [Insert Country or Jurisdiction], without regard to its conflict of laws principles. Any disputes shall be resolved in the courts of [Insert Jurisdiction].
If you have any questions about these Terms & Conditions, please contact us:
Panbrooks Credit Union
122, 4th Ave, New York,
NY 10016, USA.
Email: info@panbrooks.com
Phone: +1 80 PANBROOKS
Website: https://panbrooks.com/