Terms and Conditions

1. Agreement to Terms

By accessing and using Mintro's services, you accept and agree to be bound by the terms and provision of this agreement. These Terms and Conditions govern your use of Mintro banking services, credit cards, and related financial products.

2. Eligibility

To be eligible for Mintro services, you must:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Provide accurate and complete information during application
• Meet our creditworthiness requirements

3. Account Opening and Verification

When you apply for a Mintro account or credit card, we may:

• Verify your identity using government-issued identification
• Check your credit history with credit reporting agencies
• Verify your income and employment information
• Request additional documentation as needed

We reserve the right to approve or deny any application at our sole discretion.

4. Credit Card Terms

4.1 Credit Limits

Your credit limit will be determined based on your creditworthiness and may be adjusted from time to time. You agree not to exceed your assigned credit limit.

4.2 Interest Rates and Fees

Interest rates (APR) and fees are disclosed in your Credit Card Agreement and may vary based on your creditworthiness. Current rates and fees are available on our website.

4.3 Payments

You must make at least the minimum payment by the due date each month. Late payments may result in fees and penalty APR.

5. Banking Services

5.1 Deposit Accounts

All deposit accounts are FDIC insured up to $250,000 per depositor. Interest rates on savings accounts may change at any time without notice.

5.2 Electronic Services

Our mobile app and online banking services are provided for your convenience. You are responsible for maintaining the security of your login credentials.

5.3 ATM and Debit Card Usage

ATM and debit card transactions are subject to daily limits. You are responsible for all authorized transactions made with your card.

6. Privacy and Data Protection

We are committed to protecting your privacy. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you consent to our privacy practices as described in our Privacy Policy.

7. Security and Fraud Protection

You agree to:

• Keep your account information and login credentials secure
• Notify us immediately of any unauthorized transactions
• Review your statements regularly
• Report lost or stolen cards immediately

We provide zero liability protection for unauthorized transactions when reported promptly.

8. Fees and Charges

Fees for our services are disclosed in your account agreements and fee schedules. We may change fees with appropriate notice as required by law. Common fees include:

• Late payment fees
• Overlimit fees
• Foreign transaction fees (where applicable)
• ATM fees for out-of-network usage

9. Rewards and Benefits

Rewards programs are subject to specific terms and conditions. Rewards may expire if your account is closed or becomes delinquent. We reserve the right to modify or discontinue rewards programs with notice.

10. Account Closure

Either party may close an account at any time. Upon closure:

• All outstanding balances become immediately due
• Automatic payments will be canceled
• Unused rewards may be forfeited
• We will provide final statements as required by law

11. Dispute Resolution

Any disputes arising from these terms will be resolved through binding arbitration. You waive your right to participate in class action lawsuits against Mintro.

12. Limitation of Liability

Mintro's liability is limited to the extent permitted by law. We are not liable for indirect, incidental, or consequential damages arising from your use of our services.

13. Changes to Terms

We may modify these terms at any time with appropriate notice. Continued use of our services after changes constitutes acceptance of the new terms.

14. Governing Law

These terms are governed by federal law and the laws of the State of Delaware, without regard to conflict of law principles.

15. Contact Information

For questions about these terms, contact us at: