Terms of Use

Please read these Terms of Use ("Agreement") completely and carefully before accessing or using the romedigitalbank.com website ("Website"). By accessing or using our Website, you accept and agree to be bound by this Agreement. If you do not agree to these terms, please discontinue use of our Website immediately.

Please also review our Privacy Policy, which is incorporated by reference into this Agreement. By using our Website, you represent that you have read, understood, and agree to our Privacy Policy.

1. Introduction and Scope

The Website is owned and operated by romedigitalbank.com ("Company", "we", "us", "our"). We provide an informational platform that helps users discover, compare, and connect with third-party financial service providers including digital banks, fintech companies, investment platforms, and other financial institutions ("Partner Providers").

Our Website contains:

• Information about digital banks, fintech companies, and financial service providers
• Affiliate links to third-party financial service providers
• Educational content about banking and financial products
• Comparison tools, guides, and reviews

2. Use of the Website

You may view and use the Website and any information contained therein only in accordance with this Agreement and only for lawful purposes. You may not modify, distribute, publish, license, create derivative works from, transfer, or sell any information or content from our Website.

Without our prior written consent, you may not:

• Use any automated means to access the Website or collect information (including robots, spiders, scripts, or other automatic devices)
• Frame the Website or utilize framing techniques to enclose any content or proprietary information
• Engage in "screen scraping," "database scraping," or any activity to obtain content or information
• Upload, post, or transmit any unsolicited advertising, promotional materials, "junk mail," "spam," or any form of solicitation
• Use information from our Website for any competing purposes
• Use the Website in any manner that violates applicable law or could damage, disable, or impair the Website

3. Affiliate Disclosure and Compensation

We participate in affiliate marketing programs with various financial service providers. You acknowledge and agree that:

• We may receive compensation when you click links on our Website and apply for, purchase, or sign up for products or services from Partner Providers
• Our compensation arrangements may influence which products we feature, the order in which they appear, and the prominence given to certain providers
• We strive to provide accurate, helpful information regardless of compensation arrangements
• Affiliate relationships do not affect the price you pay for any product or service—you pay the same price whether you use our links or go directly to the provider
• Not all products or providers in the market are represented on our Website

4. No Financial Advice

• We do not recommend any specific financial product, service, or provider
• Information provided may not be suitable for your individual circumstances
• Always consult with qualified financial, legal, or tax professionals before making financial decisions
• Product terms, rates, fees, and availability are subject to change by the providers without notice to us
• We are not responsible for any financial decisions you make based on information found on our Website

5. Third-Party Services and Links

Our Website contains links to third-party websites operated by independent Partner Providers. When you click these links, you leave our Website and enter the third party's website. Please note:

• We have not reviewed all third-party websites and do not control their content, products, or services
• We are not responsible for the accuracy, completeness, or timeliness of information on third-party sites
• Your relationship with any Partner Provider is governed entirely by their own terms, conditions, and privacy policies
• We are not liable for any losses, damages, or claims resulting from your use of third-party services
• Product eligibility, approval, terms, and conditions are determined solely by the Partner Provider
• Unless expressly stated, we do not endorse any third-party products, services, or websites

We encourage you to carefully read the terms of service and privacy policy of any third-party website before providing personal information or applying for their products.

6. Geographic Restrictions

Financial products and services listed on our Website may not be available in all jurisdictions. Availability depends on:

• Your country, region, or state of residence
• Local and international regulatory requirements
• The Partner Provider's licensed service areas
• Sanctions, embargoes, or other legal restrictions

You are solely responsible for ensuring that any product or service you apply for is available, legal, and accessible in your jurisdiction. We make no representation that any product or service is available or appropriate for use in any particular location.

7. Accuracy of Information

We make reasonable efforts to ensure information on our Website is accurate and up-to-date. However:

• We do not guarantee the accuracy, completeness, reliability, or timeliness of any information
• Product features, interest rates, fees, terms, and conditions may change without notice
• Always verify current information directly with the Partner Provider before making any decisions
• We may display information based on data provided by third parties, which we cannot independently verify
• Any errors in the Website will not create liability on our part

8. Electronic Communications

When you use our Website, subscribe to our newsletter, or contact us via email, you are communicating with us electronically. By doing so, you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

9. Cookies and Tracking Technologies

We and our third-party partners use cookies and similar technologies to collect information about your use of our Website. This information is used for security purposes, to improve the quality of our services, to analyze website traffic, and to track affiliate referrals. You may configure your browser to block cookies, but doing so may impact the functionality of our Website.

10. Intellectual Property

All content on our Website, including text, graphics, logos, images, illustrations, designs, icons, photographs, video clips, audio clips, software, and written materials, is the property of romedigitalbank.com or our licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, republish, upload, post, transmit, or distribute our content without prior written permission
• Use our trademarks, service marks, or branding without authorization
• Create derivative works based on our content
• Use our content for commercial purposes without our express written consent
• Remove any copyright, trademark, or other proprietary notices from our content

11. Prohibited Conduct

You agree not to use our Website to:

• Violate any applicable local, state, national, or international laws or regulations
• Engage in fraudulent, deceptive, or misleading activities
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the operation of our Website or servers
• Attempt to gain unauthorized access to any portion of our Website or any systems or networks connected to our Website
• Harvest, collect, or store personal data about other users
• Transmit any viruses, malware, worms, or other malicious or harmful code
• Upload or transmit content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable

12. Eligibility

Our Website is not intended for children under 18 years of age. By using our Website, you represent that you are at least 18 years old. We do not knowingly collect personal information from children under 18. If we learn we have collected personal information from a child under 18, we will delete that information promptly.

13. Disclaimer of Warranties

14. Limitation of Liability

15. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless the Indemnified Parties from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your access to or use of the Website
• Your violation of this Agreement
• Your violation of any third-party rights, including intellectual property, privacy, or publicity rights
• Your violation of any applicable law or regulation
• Any disputes between you and any Partner Provider

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any such matter without our prior written consent.

16. Termination

We reserve the right to terminate, suspend, or restrict your access to the Website at any time, for any reason or no reason, without notice or liability. We may also discontinue the operation of the Website, or any portion thereof, at any time without notice. Upon any termination of this Agreement, all rights and licenses granted to you will immediately cease.

17. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles.

18. Mandatory Arbitration and Class Action Waiver

Agreement to Arbitrate: You and romedigitalbank.com agree that any dispute, claim, or controversy arising out of or relating to this Agreement, the Website, or any products or services accessed through the Website (collectively, "Disputes") will be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

Arbitration Procedures: The arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, or by another mutually agreed-upon arbitration provider. The arbitration shall take place in Miami-Dade County, Florida. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Arbitration Fees: Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules. If the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose, then the payment of all fees will be governed by the AAA rules and you agree to reimburse us for all monies previously disbursed by us that are otherwise your obligation to pay under the AAA rules.

Opt-Out: You may opt out of this arbitration agreement by sending written notice of your decision to opt out to hello@romedigitalbank.com within thirty (30) days of first accepting this Agreement. Your notice must include your name, mailing address, and a clear statement that you do not wish to resolve disputes through arbitration. If you opt out, you will still be bound by all other provisions of this Agreement.

Survival: This arbitration agreement will survive termination of your relationship with us and your use of the Website.

19. Changes to This Agreement

We reserve the right to modify, amend, or update this Agreement at any time in our sole discretion. Changes will be effective immediately upon posting to the Website. We will update the "Effective Date" at the top of this Agreement to reflect the date of the most recent changes. Your continued use of the Website after any changes constitutes your acceptance of the updated Agreement. We encourage you to review this Agreement periodically.

20. Severability

If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, void, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties.

21. Waiver

Our failure to enforce any provision of this Agreement shall not constitute a waiver of that provision or any other provision. A waiver of any breach or default shall not constitute a waiver of any subsequent breach or default or of the provision itself.

22. Entire Agreement

This Agreement, together with the Privacy Policy and any other agreements expressly incorporated by reference, constitutes the entire agreement between you and us regarding your use of the Website and supersedes all prior and contemporaneous agreements, representations, and understandings.

23. Assignment

You may not assign or transfer this Agreement or any of your rights or obligations hereunder without our prior written consent. We may assign this Agreement or any of our rights or obligations at any time without notice to you.

24. Contact Us

If you have any questions about this Agreement, please contact us at: