Terms of
Service.

The binding agreement governing your relationship with Luvnos Dynamic Bank. By opening an account, you accept these terms in full.

1. Acceptance of Terms

By accessing or using any service provided by Luvnos Dynamic Bank ("Luvnos," "we," "our," or "us"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, you may not open an account or use our services. These terms constitute a legally binding contract between you and Luvnos Dynamic Bank, N.A.

2. Account Eligibility

To open an account with Luvnos Dynamic Bank, you must:

• Be at least 18 years of age and capable of entering into a legally binding contract.
• Be a resident of the United States or a jurisdiction where our services are lawfully available.
• Provide accurate, complete, and verifiable identity information as required by our KYC process.
• Maintain a single account — duplicate accounts are prohibited and subject to immediate termination.
• Not be subject to any economic sanctions, trade restrictions, or prohibited-party listings.

3. Identity Verification (KYC)

Luvnos operates a tiered verification system. Your account privileges are determined by your verification level:

• Tier 0 (Entry): Basic account with profile access only. No transfer capability. Created upon registration.
• Tier 1 (Silver): Government-issued ID verified. Domestic P2P transfers enabled up to $2,000 daily.
• Tier 2 (Gold): Address verified. Virtual cards, international SWIFT transfers, and $50,000 daily limit.
• Tier 3 (Platinum Elite): Admin-elevated status. Unlimited transactions and premium features.

You agree to submit truthful verification materials. False or fraudulent documentation will result in permanent account termination and may be reported to relevant authorities.

4. Account Security

You are solely responsible for maintaining the confidentiality of your login credentials, transaction PIN, and any authentication devices. Luvnos will never ask for your password or PIN via email, phone, or any communication channel.

You must notify us immediately of any unauthorized access to your account. Luvnos employs continuous session monitoring — if our automated systems detect unusual activity, your account may be temporarily restricted pending verification.

5. Transactions & The Ledger

All financial activity on the Luvnos platform is recorded on an immutable double-entry ledger. By initiating a transaction, you authorize Luvnos to execute the transfer with finality. Transactions cannot be reversed except by administrative intervention in cases of verified fraud or system error.

Transaction fees are applied as follows:

• Internal P2P Transfers: First 3 transfers per day are free. Transfers 4+ incur a $0.50 fee.
• International Wires: 2.5% fee or $25.00 minimum, whichever is greater.
• Card Issuance: Flat $5.00 fee per virtual card issued.

6. Virtual Cards

Virtual cards issued by Luvnos are simulated payment instruments for use within the Luvnos ecosystem. Cardholders are responsible for all authorized transactions. Lost or compromised cards should be immediately frozen through the dashboard.

Card security codes (CVV) are available for one-time viewing only. After the initial reveal, the CVV cannot be retrieved. A replacement card must be issued if the CVV is lost.

7. Loans & Credit

Loans disbursed by Luvnos accrue a 2% flat fee at origination and a daily compounding rate of 0.05% if the loan enters default status. You agree to repay the total amount due by the specified due date. Failure to repay constitutes default, and the outstanding balance will continue to accrue interest.

8. Prohibited Activities

The following activities are strictly prohibited and may result in immediate account termination:

• Money laundering, terrorist financing, or any activity violating the Bank Secrecy Act.
• Fraud, impersonation, or providing false information during verification.
• Attempting to bypass security measures, including automated scripting or credential stuffing.
• Using the platform for any illegal purpose under applicable federal, state, or local law.
• Harassment, abuse, or threatening behavior toward Luvnos personnel or other account holders.

9. Termination

Luvnos reserves the right to suspend or terminate your account at any time, with or without cause, including but not limited to violations of these terms, suspicious activity, or regulatory requirements. Upon termination, your access to all services will cease. Any remaining balance will be returned to you via an approved disbursement method, subject to applicable holds and regulatory review.

10. Limitation of Liability

To the maximum extent permitted by law, Luvnos Dynamic Bank shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claim shall not exceed the total amount of fees you have paid to Luvnos in the twelve months preceding the claim.

11. Amendments

We may modify these Terms of Service at any time. Material changes will be communicated via email at least 30 days before the effective date. Your continued use of Luvnos services after the effective date constitutes acceptance of the updated terms.

12. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of New York and applicable United States federal law. Any dispute arising from these terms shall be resolved exclusively in the federal or state courts located in New York County, New York.