Terms of service

These terms govern your use of Structured Brick Wealth Bank accounts, cards, payments, lending, investment and foreign-exchange services. By opening an account you accept these terms together with any product-specific agreement that applies to you.

Structured Brick Wealth Bank is a demonstration banking platform: balances and transactions are simulated for educational and evaluation purposes and involve no real funds.

To open an account you must be at least eighteen years old, provide accurate registration details, and complete identity verification. Every registration remains pending until an administrator approves it; you cannot sign in or transact before approval.

On approval, we assign you a unique customer identifier and account number. You must keep your profile information current — including address, mobile number and identification documents.

You are responsible for keeping your password, transaction PIN, one-time codes and devices secure. Never share them, including with anyone claiming to represent the bank.

Sessions end automatically after a period of inactivity. You can review and revoke individual devices, or sign out everywhere, from the security area of your dashboard.

Transfers are executed against available balance and are subject to per-transaction, daily and product limits. Transfers at or above the published high-value threshold require administrator review before release.

You are responsible for the accuracy of recipient details. Once an instruction is executed we may be unable to recall it, though we will make reasonable efforts to assist with a recall request.

Currency conversions apply the rate quoted at the moment you confirm the instruction, inclusive of a disclosed spread and any applicable fee. Quotes are indicative until confirmed and may change with market conditions.

Where a funding account holds a different currency to your instruction, the conversion is calculated and shown to you before you commit.

Loan applications are assessed on the information and documents you supply. Approval, pricing, term and repayment schedule are confirmed in your offer, and repayments are collected on the scheduled dates from your nominated account.

Investment returns depend on the product terms in force at booking. Fixed-term products may carry early-withdrawal consequences, including reduced or forfeited interest, as disclosed before you confirm.

Applicable fees are disclosed before you confirm an instruction and itemised on your statement. Statements and transaction exports are available at any time from your dashboard.

You may not use the platform for unlawful purposes, to evade sanctions, to launder proceeds of crime, to attempt unauthorised access, or to disrupt the service or other customers.

We may suspend, freeze or close an account, or decline an instruction, where we reasonably suspect fraud or illegality, where we are legally required to, or where you materially breach these terms. Where permitted, we will explain the reason.

We aim for continuous availability but may carry out scheduled maintenance, and the service may be interrupted by events outside our control, including failures of third-party payment networks or infrastructure providers.

We are not liable for losses arising from your failure to safeguard your credentials, from inaccurate instructions you provide, or from indirect or consequential loss. Nothing in these terms excludes liability that cannot lawfully be excluded.

You may close an account at any time once its balance is settled and no facility remains outstanding. We may close an account with reasonable notice, and immediately where required by law or to prevent harm. Certain records are retained after closure to meet regulatory recordkeeping obligations.

Complaints follow the process described in our legal disclosures. These terms are governed by the law stated in your account documentation, and disputes are subject to that jurisdiction.

We will notify you at least thirty days before any material change to these terms, unless an earlier change is needed to protect customers or comply with law. Continued use after the effective date constitutes acceptance.