Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the BlueStone Savings website, mobile application, products, and financial services (“Services”).
By creating an account, accessing our platform, or using any Service, you agree to these Terms.

If you do not agree, do not use BlueStone Savings.

1. About BlueStone Savings

BlueStone Savings provides digital banking tools, payments, savings features, and financial products delivered through our mobile app and website.
Some services may be provided in partnership with licensed third-party institutions.

Your use of BlueStone Savings constitutes acceptance of all policies referenced in these Terms.

2. Eligibility

To use BlueStone Savings, you must:

• Be at least 18 years old
• Provide accurate personal information
• Successfully complete identity verification (KYC)
• Not be restricted by applicable sanctions or regulations
• Not use the service for criminal activity, fraud, or prohibited transactions

We may decline or close accounts at any time if eligibility requirements are not met.

3. Identity Verification (KYC/AML)

You agree to provide requested documents and information for:

• Identity verification
• Address verification
• AML screening
• Fraud checks

We may request updated documents at any time.
Failure to comply may result in suspended or closed access.

4. Your Account Responsibilities

You agree to:

• Keep your login credentials private
• Only use your own personal information
• Maintain accurate account details
• Use BlueStone Savings for lawful purposes
• Notify us immediately of unauthorized activity

You are responsible for all actions taken under your account.

5. Prohibited Activities

You may not use BlueStone Savings for:

• Money laundering
• Fraud or identity theft
• Chargeback abuse
• Scams or deceptive activity
• Terrorist financing
• Cryptocurrency mixing or illegal crypto transactions
• Using someone else’s identity or documents
• Transactions designed to evade regulations

If suspected, your account may be frozen or closed without prior notice.

6. Payment Transfers & Transactions

BlueStone Savings enables transfers and payments through supported channels.
You acknowledge that:

• Processing times may vary
• Transactions may be delayed or blocked due to security checks
• Transfers may be reversed for fraud or regulatory reasons
• Limits may apply depending on verification level

We are not liable for delays caused by third-party processors or network downtime.

7. Savings, Wallet & Balances

Funds stored in your BlueStone Savings wallet or savings features follow the applicable deposit agreement of our issuing partner(s).
Interest rates, eligibility, and limits may change without notice.

8. Loans & Credit Products

Any mention of loans or credit is subject to:

• Application approval
• Verification checks
• Creditworthiness reviews
• Additional documentation

Approval is not guaranteed, and terms may vary by user.

9. Third-Party Services

BlueStone Savings may use external providers for:

• Payments
• Verification
• Card issuance
• Banking functions
• Data processing

We do not control these partners and are not responsible for:

• Their downtime
• Their errors
• Their decisions
• Their security practices

Their terms may also apply to your use of certain features.

10. Fees

Some services may include fees.
All fees will be listed in the applicable Fee Schedule or within the app before you complete a transaction.

Fees may change at any time with notice where required.

11. Device Requirements

To use the mobile app you need:

• A compatible device
• Internet access
• Updated operating system
• SMS or email access for verification

We are not responsible for performance issues caused by your device or network.

12. Suspension or Termination

We may suspend or terminate your access if:

• You violate these Terms
• We suspect fraud or illegal activity
• Your verification fails
• Required information is not provided
• You misuse the platform

You may close your account at any time by contacting support.

13. Intellectual Property

All content, trademarks, designs, and software on BlueStone Savings belong to BlueStone Savings or its partners.
You may not copy, modify, distribute, or reverse-engineer any part of our Services.

14. Disclaimer of Warranties

BlueStone Savings is provided “as is” and “as available.”

We do not guarantee that:

• The service will be uninterrupted
• Transactions will process without delay
• Information will be accurate or error-free

Your use is at your own risk.

15. Limitation of Liability

BlueStone Savings is not liable for:

• Losses from delayed or failed transactions
• Unauthorized access caused by weak passwords or user negligence
• Third-party service interruptions
• Errors in data provided by you
• Damages resulting from using our platform

Certain exclusions may not apply in jurisdictions where limitations are restricted.

16. Electronic Communications

By using BlueStone Savings, you consent to receive:

• Emails
• SMS messages
• Push notifications
• In-app alerts

We may send updates, verification codes, and account notices electronically.

17. Privacy

Your data is handled in accordance with our Privacy Policy.
By using our platform, you consent to our data practices.

18. Changes to Terms

We may update these Terms at any time.
Changes take effect once posted.
Your continued use of BlueStone Savings means acceptance of the updated Terms.

19. Governing Law

These Terms are governed by the applicable laws in our operating jurisdiction.
Any disputes will be handled under these laws.

20. Contact Information

For questions or support:

BlueStone Savings
Email: support@bluestonesavings.com
Help Center: Available in-app