TERMS OF SERVICE
Last Updated: February 21, 2026
These Terms of Service constitute a legally binding agreement between you and Arorix Financial, Inc., a Delaware corporation with its principal place of business in the Commonwealth of Kentucky, referred to as “Arorix,” “we,” “us,” or “our.” These Terms govern your access to and use of our websites, mobile applications, and related products and services, collectively referred to as the “Services.”
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not use the Services.
- Eligibility
You must be at least eighteen years of age and capable of forming a binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements.
We may refuse service to any person or entity at our discretion, subject to applicable law.
- Nature of Services
Arorix is a financial technology company and is not a bank.
Certain financial products and services are provided by one or more third party federally insured financial institution partners and other regulated entities. These institutions are referred to as Banking Partners. Applicable deposit agreements, account agreements, and cardholder agreements issued by Banking Partners govern regulated banking services and may supersede portions of these Terms where required by law.
Arorix does not provide legal, tax, or investment advice.
3. Account Registration and Verification
You agree to provide accurate, complete, and current information when registering for an account and to update such information as necessary.
We and our Banking Partners may verify your identity and business information in accordance with applicable law, including know your customer and anti money laundering requirements.
We may suspend, restrict, or terminate access to the Services if we are unable to verify your information or if we believe you pose regulatory, compliance, security, or reputational risk.
4. Electronic Communications and Consent
You consent to receive disclosures, agreements, notices, tax documents, and other communications electronically.
Electronic records and signatures shall have the same legal effect as paper records and handwritten signatures.
You are responsible for maintaining a valid email address and access to the internet and compatible devices.
5. Acceptable Use
You agree not to use the Services to:
Violate any applicable law or regulation
Engage in fraud, money laundering, or deceptive practices
Circumvent sanctions or export control laws
Interfere with or disrupt the Services
Attempt unauthorized access to systems or data
We reserve the right to investigate suspected violations and cooperate with regulators and law enforcement.
Compliance Monitoring
You acknowledge that financial services are subject to regulatory oversight.
We and our Banking Partners may monitor transactions, review account activity, request additional documentation, file required reports, and restrict activity to comply with applicable law.
Failure to provide requested information may result in suspension or termination.
7. Fees
Any applicable fees will be disclosed within the Services or in related agreements. You authorize us and our partners to deduct fees from your account as permitted.
8. Intellectual Property
All content, software, trademarks, logos, and technology associated with the Services are owned by Arorix or its licensors and are protected by law.
You are granted a limited, revocable, non exclusive, non transferable license to use the Services solely for lawful purposes.
9. Disclaimer of Warranties
The Services are provided on an as is and as available basis.
To the fullest extent permitted by law, Arorix disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non infringement.
We do not guarantee uninterrupted, secure, or error free access.
10. Limitation of Liability
To the fullest extent permitted by law, Arorix and its officers, directors, employees, affiliates, agents, and service providers shall not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages.
To the fullest extent permitted by law, the total liability of Arorix for any claim arising out of or relating to the Services shall not exceed the greater of one hundred dollars or the amount of fees paid by you to Arorix during the twelve months preceding the event giving rise to the claim.
Nothing in these Terms limits liability where prohibited by law.
11. Indemnification
You agree to indemnify and hold harmless Arorix and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of:
Your use of the Services
Your violation of these Terms
Your violation of any law or third party rights
12. Suspension and Termination
We may suspend, restrict, or terminate your access to the Services at any time for violation of these Terms, legal or regulatory requirements, suspected fraud, security concerns, or risk management purposes.
You may close your account subject to satisfaction of outstanding obligations.
Provisions relating to dispute resolution, limitation of liability, indemnification, and governing law survive termination.
13. Force Majeure
Arorix shall not be liable for delays or failure to perform resulting from causes beyond our reasonable control, including natural disasters, acts of government, telecommunications failures, labor disputes, cyber attacks, or failures of third party service providers.
14. Assignment
You may not assign or transfer these Terms without our prior written consent.
Arorix may assign these Terms without restriction in connection with a merger, acquisition, restructuring, financing, or sale of assets.
Governing Law
These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict of law principles, except where federal law applies.
16. Dispute Resolution and Binding Arbitration
Please read this section carefully. It affects your legal rights.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration on an individual basis, except where prohibited by law.
Arbitration shall be administered by a nationally recognized arbitration organization under its applicable consumer rules.
You and Arorix waive the right to a jury trial.
You and Arorix agree that claims shall be brought only in an individual capacity and not as a plaintiff or class member in any class, consolidated, or representative proceeding.
If any portion of this arbitration provision is found unenforceable, the remaining portions shall remain in effect.
17. Jury Trial Waiver
To the fullest extent permitted by law, you and Arorix knowingly and voluntarily waive any right to trial by jury for any dispute arising out of or relating to the Services.
18. Severability
If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
19. Entire Agreement
These Terms, together with the Privacy Policy and any applicable Banking Partner agreements, constitute the entire agreement between you and Arorix regarding the Services.
20. Changes to Terms
We may update these Terms from time to time. Continued use of the Services after updates constitutes acceptance of the revised Terms.
21. Contact Information
Arorix Financial, Inc.
Email: support@arorix.com
