Acceptance of Terms
By accessing or using the RZ Decentralized Investment NeoBank platform (“the Platform,” “we,” “us,” or “our”), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you must not access or use the Platform.
1. Description of Service
RZ Decentralized Investment NeoBank is a non-custodial, decentralized financial platform that combines the user experience of a modern neobank with the transparency and security of blockchain technology. Our services include, but are not limited to:
- Smart Investment Accounts
- Digital & Physical Payment Cards
- Social Investing & Copy Portfolio
- Decentralized Lending & Staking
- Tokenized Real-World Assets (e.g., gold, real estate)
- Cross-Border Payments & Remittances
- AI-Powered Portfolio Management
- Financial Insurance Services via the RZ ecosystem
2. Eligibility
- You must be at least 18 years old to use our services.
- You are solely responsible for ensuring that your use of the Platform complies with all laws and regulations applicable to you in your jurisdiction. Certain services, especially those involving securities or financial instruments, may have further restrictions.
- You must not be a resident of or located in a jurisdiction where our services are prohibited or restricted.
3. Non-Custodial Nature & User Responsibility
- RZ NeoBank is a non-custodial platform. This means you solely control and are responsible for safeguarding your private keys, seed phrases, and any other access credentials.
- “Not your keys, not your crypto.” We do not store, hold, or have access to your private keys or digital assets. You bear full responsibility for any loss of funds due to lost or stolen credentials.
- Transactions executed via smart contracts are irreversible. You are solely responsible for verifying transaction details before confirmation.
4. Account Registration & Security
- You must provide accurate and complete information during registration.
- You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.
- You must immediately notify us of any unauthorized use of your account or any other security breach.
5. Investment & Financial Risks
- All investments carry inherent risk. The value of digital and tokenized assets can be highly volatile and may decrease in value. Past performance is not indicative of future results.
- You acknowledge that using decentralized finance (DeFi) protocols, staking, lending, and investing in tokenized assets involves a substantial risk of loss.
- The Platform provides tools and information for your convenience, but this does not constitute financial, legal, or tax advice. You are solely responsible for your investment decisions.
6. Intellectual Property
- The RZ NeoBank platform, including its design, logo, graphics, user interface, and all underlying software and smart contracts, is the proprietary property of RZ and its licensors and is protected by intellectual property laws.
- You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for its intended purposes.
7. Prohibited Activities
You agree not to engage in any of the following activities:
- Use the Platform for any illegal purpose, including money laundering, terrorist financing, or fraud.
- Attempt to hack, exploit, or disrupt the integrity or security of the Platform’s smart contracts, frontend, or blockchain infrastructure.
- Use the Platform if you are a citizen, resident, or located in a comprehensively sanctioned jurisdiction.
- Reverse engineer, decompile, or otherwise attempt to derive the source code of the Platform.
- Use any automated system, such as bots or scripts, to access the Platform in a manner that sends more request messages than a human could reasonably produce.
8. Third-Party Services & Ecosystem Integration
- The Platform integrates with and relies on third-party blockchain networks (e.g., RZChain, Ethereum, BNB Chain), oracles (e.g., Chainlink), and other decentralized protocols. We are not responsible for their performance, security, or failures.
- The Platform is part of the broader RZ ecosystem (including CoinMining.Game, CoinRanking.Game, RZ Prime, and Insurance Token). While designed for synergy, each service has its own terms and risks.
9. Disclaimer of Warranties
THE PLATFORM AND ALL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, RZ DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE PLATFORM WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL RZ, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM, UNAUTHORIZED ACCESS TO YOUR ACCOUNT, OR ANY CONDUCT OF ANY THIRD PARTY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11. Indemnification
You agree to indemnify and hold harmless RZ, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Platform or your violation of these Terms.
12. Modifications to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. The “Last Updated” date at the top will indicate when changes were made. By continuing to access or use our Platform after those revisions become effective, you agree to be bound by the revised terms.
13. Termination
We may suspend or terminate your access to the Platform immediately, without prior notice or liability, for any reason, including if you breach these Terms.
14. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of [Insert Jurisdiction, e.g., Switzerland]. Any dispute arising from these Terms or your use of the Platform shall be resolved through final and binding arbitration in [Insert City/Country], in accordance with the rules of [Insert Arbitration Institution].