Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website, mobile applications, and banking services offered by British Royal Caribbean Bank ("BRCB", "we", "us", or "our"). By opening an account, submitting an application, or using our services, you agree to be bound by these Terms, our Privacy Policy, and any product-specific agreements disclosed at account opening.

If you do not agree to these Terms, you must not use our services. We may decline or terminate access where permitted by law.

You must be at least 18 years old and legally capable of entering into binding contracts in your jurisdiction. Business accounts must be opened by an authorised representative with authority to bind the entity. You represent that all information you provide is accurate, complete, and current.

Account applications are subject to identity verification, credit checks, sanctions screening, and regulatory approval. We may request additional documents or information at any time. Approval is not guaranteed. We reserve the right to refuse or close accounts where required by law, risk policy, or suspicious activity concerns.

You agree to use our services only for lawful purposes and in accordance with these Terms. You must not:

• Use accounts for money laundering, terrorist financing, fraud, or other illegal activity.
• Provide false, misleading, or incomplete information.
• Attempt to gain unauthorised access to our systems or other customers' accounts.
• Interfere with the proper functioning of our website or applications.
• Use our services in violation of applicable sanctions, export controls, or banking regulations.

You are responsible for safeguarding your login credentials, devices, and authentication factors. You must notify us immediately if you suspect unauthorised access or a security breach. We are not liable for losses resulting from your failure to protect credentials, except where applicable law provides otherwise.

We may suspend or restrict access to protect you, other customers, or the integrity of our systems, including during maintenance or security incidents.

Applicable fees, interest rates, limits, and cut-off times are disclosed in product schedules, account agreements, and on our website. You authorise us to debit your account for fees, charges, and transactions you initiate or approve. We are not responsible for delays caused by intermediary banks, payment networks, or circumstances beyond our reasonable control.

Deposit products may be subject to applicable deposit protection schemes where available in your jurisdiction. Coverage limits and eligibility are determined by the relevant scheme rules, not by BRCB. Details are provided in your account documentation.

All content, trademarks, logos, software, and materials on our platforms are owned by or licensed to BRCB. You receive a limited, non-exclusive, revocable licence to access and use our services for personal or authorised business banking. You may not copy, modify, distribute, or reverse engineer our materials except as permitted by law.

To the fullest extent permitted by law, BRCB and its directors, officers, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our aggregate liability for direct damages is limited to the greater of fees paid by you in the twelve months preceding the claim or one hundred United States dollars (USD 100), except where liability cannot be excluded under applicable law.

You agree to indemnify and hold harmless BRCB against claims, losses, and expenses arising from your breach of these Terms, misuse of our services, or violation of applicable law, except to the extent caused by our gross negligence or wilful misconduct.

You may close your account in accordance with our account closure procedures. We may suspend or terminate access or close accounts with notice where required by law, or immediately where necessary for security, regulatory compliance, or material breach of these Terms.

These Terms are governed by the laws of Barbados, without regard to conflict-of-law principles, except where mandatory consumer protection laws in your country of residence apply. Disputes shall be subject to the exclusive jurisdiction of the courts of Barbados, unless applicable law requires otherwise.

We may amend these Terms from time to time. Material changes will be communicated through our website, email, or in-app notice as required by law. Continued use after the effective date constitutes acceptance where permitted.

Questions about these Terms may be directed to support@thebrcb.com or through our support page.