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1. Acceptance of Terms

By accessing and using Total Capital Vision's services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Services Description

Total Capital Vision provides a comprehensive range of financial services including banking, lending, investment, insurance, and payment solutions. We reserve the right to modify, suspend, or discontinue any service at any time.

3. User Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must provide accurate, current, and complete information during registration.

4. Privacy and Data Protection

We are committed to protecting your privacy. Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information.

5. Prohibited Activities

You may not use our services for any illegal or unauthorized purpose. This includes but is not limited to fraud, money laundering, terrorist financing, or any other criminal activities.

6. Intellectual Property

All content, trademarks, service marks, logos, and intellectual property on our platform belong to Total Capital Vision or our licensors and are protected by applicable laws.

7. Limitation of Liability

Total Capital Vision shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of our services.

8. Governing Law

These terms are governed by the laws of the jurisdiction in which Total Capital Vision operates, without regard to conflict of law principles.

9. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after such changes constitutes acceptance of the new terms.

1. Information We Collect

We collect various types of information to provide and improve our services:

• Personal Information: Name, email, phone number, address, date of birth
• Financial Information: Bank account details, credit history, transaction data
• Device Information: IP address, browser type, device ID, location data
• Usage Information: Pages visited, features used, time spent on platform

2. How We Use Your Information

We use your information to:

• Provide and maintain our services
• Process transactions and manage accounts
• Communicate with you about your account
• Personalize your experience
• Improve our services and develop new features
• Comply with legal obligations

3. Information Sharing

We do not sell your personal information. We may share your information only with:

• Service providers who assist in operating our platform
• Financial institutions for transaction processing
• Regulatory authorities when required by law
• Third parties with your explicit consent

4. Data Security

We implement industry-standard security measures including encryption, firewalls, and secure servers to protect your information. However, no method of transmission is 100% secure.

5. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and personalize content. You can control cookies through your browser settings.

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information
• Opt-out of marketing communications
• Restrict processing of your information

7. Data Retention

We retain your information only as long as necessary to provide services and comply with legal obligations.

8. International Transfers

Your information may be transferred to and processed in countries other than your own, in accordance with applicable data protection laws.

9. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page.