Effective Date: [Insert Date]

Welcome to Cresto, your trusted fintech solution for modern banking. By accessing or using Cresto’s platform, products, or services, you confirm your agreement to these terms and conditions.

1. Introduction

By using the Cresto app or website, you confirm your acceptance of, and agree to be bound by, these Terms and Conditions (“Agreement”). If you do not agree with any part of this Agreement, please do not use Cresto.

2. Agreement to Terms

This Agreement becomes effective on the date you first access or use any part of the Cresto service.

3. Premium Features

Cresto offers premium banking features available through a paid subscription. Full details of what’s included can be found on our Pricing Page. Access to these features begins once your subscription is successfully processed.

4. Refund Policy

We offer a 14-day money-back guarantee from the date of purchase. You may request a refund directly through your Cresto dashboard at [Insert Dashboard Link]. Refunds will be processed to your original payment method.

5. Product Usage & Communication

By using Cresto, you agree to receive essential account updates and product-related communications via the email you registered with. These may include changes to services, security updates, and new feature announcements.

You can unsubscribe from non-critical communications at any time by clicking the “Unsubscribe” link in any email.

6. Disclaimer

Cresto does not guarantee that the service will meet your expectations or be free from errors or interruptions. Except as expressly provided, all warranties—express or implied—are disclaimed. This Agreement does not affect any rights you may have under applicable law.

7. Limitation of Liability

Cresto is not liable for any loss of profits or indirect, incidental, special, or consequential damages arising out of the use or inability to use our services. In any case, if Cresto is found liable, our total liability shall not exceed the amount you paid to us for the services in the 12 months prior to the claim.

You release Cresto from any obligations or liabilities beyond this limit.

8. Governing Law & General Terms

This Agreement is governed by the laws of [Insert Applicable Jurisdiction]. No joint venture, partnership, or employment relationship is created between you and Cresto as a result of this Agreement. You agree not to present yourself as a representative or agent of Cresto. Cresto is not responsible for your acts, omissions, or representations.

Last Updated: [Insert Date]