This website is provided by Sav Wave Bank. The website may include information about our services and may allow you to submit enquiries or apply to open an account.

Information on this website is provided for general informational purposes only. It does not constitute legal, tax, investment, or financial advice. You should obtain independent advice before making decisions based on any information on this website.

You may submit an account application through this website. All applications are subject to onboarding review, due diligence, and approval. We may request additional information or documents during review. We may decline an application at our discretion.

Submitting an application does not create a banking relationship until your application is approved and account opening is confirmed.

To meet regulatory, security, and compliance requirements, we may conduct identity verification and due diligence checks. This may include verifying information you provide and requesting supporting documentation. You confirm that information you submit is complete, accurate, and not misleading.

Fees may apply to account opening, account maintenance, or other services. Any applicable fees and charges may be communicated during onboarding or through service documentation. Where fees are paid, they may be non-refundable, subject to applicable rules and the specific service terms provided to you.

If online access is provided, you are responsible for:

• Keeping login credentials confidential
• Using strong passwords and secure devices
• Not sharing access with unauthorised persons
• Notifying us promptly if you suspect unauthorised use

We may suspend access where we reasonably believe there is a security or misuse risk.

You agree not to:

• Use the website in a way that violates applicable laws or regulations
• Attempt to gain unauthorised access to systems, accounts, or data
• Introduce malware, harmful code, or conduct attacks on the website
• Misrepresent your identity or authority to act for another person or entity
• Interfere with the normal operation of the website

All content on this website, including text, graphics, logos, and design elements, is owned by Sav Wave Bank or used under licence. You may view and print pages for personal or internal business reference only. You may not reproduce, distribute, publish, or commercially exploit any content without prior written permission.

This website may contain links to third-party websites. Sav Wave Bank is not responsible for third-party content, services, availability, or privacy practices. Accessing third-party sites is at your own risk.

Your use of this website is also governed by our Privacy Policy. By using this website or submitting information, you agree to how we handle information as described in the Privacy Policy.

We may modify, suspend, or discontinue any part of the website at any time. We may update these Terms and Conditions from time to time by posting an updated version on this page. Continued use of the website means you accept the updated terms.

We provide the website on an “as is” and “as available” basis. While we take reasonable steps to maintain accuracy and availability, we do not guarantee that the website will be uninterrupted, error-free, or free of harmful components.

To the maximum extent permitted by applicable law, Sav Wave Bank will not be liable for indirect, incidental, special, consequential, or punitive losses, or for loss of profits, revenue, business, data, or goodwill arising from or related to your use of the website.

You agree to indemnify and hold Sav Wave Bank harmless from claims, losses, liabilities, and expenses arising from your misuse of the website, your breach of these Terms and Conditions, or your violation of applicable laws.

If any part of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will remain in effect.

These Terms and Conditions are governed by the laws applicable to Sav Wave Bank, and disputes will be handled by courts of competent jurisdiction, subject to applicable legal requirements.

If you have questions about these Terms and Conditions,
contact: info@savwavebank.com