This Terms of Service was last updated on November 18, 2025.

1. Our Website

Our website address is: https://octosbeam.com

By accessing and using Octos Beam Bank's services, you agree to be bound by these terms and conditions. We collect and process certain data necessary to provide you with secure banking services, facilitate transactions, and ensure compliance with international banking regulations. Your privacy and data security are our top priorities.

2. Data You Provide to Us

We collect information necessary to open and maintain your account, process transactions, and provide customer support. This includes your name, address, contact information, government-issued identification, financial information, and transaction history. All data collection complies with international banking standards and data protection regulations.

3. How We Get Data About You

We collect data directly from you during account registration, through your use of our services, from identity verification providers, credit bureaus, fraud prevention agencies, and through cookies and similar technologies on our website and mobile app. We only collect data necessary for providing banking services and protecting your account.

4. What We Use Your Data For

1. Processing your financial transactions and managing your account securely
2. Verifying your identity and preventing fraud, money laundering, and other financial crimes
3. Sending you account statements, transaction confirmations, security alerts, and important service updates
4. Complying with legal and regulatory requirements including Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations
5. Improving our services and developing new features based on user behavior and feedback

5. Your Choices About the Use of Your Data

You have rights regarding your personal data. You can access your account information at any time through our online banking portal. You may request correction of inaccurate data, opt out of marketing communications, and request deletion of your data subject to legal retention requirements. However, certain data must be retained to comply with banking regulations. To exercise these rights, contact our data protection officer at privacy@octosbeam.com.

• You can manage your communication preferences in your account settings to control promotional emails and notifications
• You can enable additional security features like two-factor authentication and biometric login through your account settings
• You have the right to receive a copy of your data in a portable format
• You may close your account at any time, subject to settling any outstanding balances

6. Our Policy Concerning Children

Octos Beam Bank accounts are only available to individuals 18 years of age or older (or the age of majority in your jurisdiction). We do not knowingly collect personal information from minors. If you believe a child under 18 has opened an account, please contact us immediately at support@octosbeam.com so we can close the account and delete associated data.