Terms of Service.
Welcome to KeyTrust Pay Inc. These Terms of Service govern your access to and use of our banking platform, debit card services, and mobile applications.
Banking Partner Integration
KeyTrust Pay Inc. is a financial technology company, not an FDIC-insured bank. Banking and depository services are provided by our partner depository institutions, Members FDIC.
Global Compliance
We operate in strict compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC sanctions lists, and international anti-money laundering (AML) standards.
01. Account Eligibility & KYC
To register and maintain an active account with KeyTrust Pay, you must be at least 18 years of age and submit accurate, complete personal identification information. We reserve the right to verify all submitted details against public and private databases.
02. Fund Transfers & Settlements
Transfer instructions initiated through KeyTrust Pay are processed under standard banking clearing cycles. While internal peer-to-peer transfers settle immediately, external ACH and international SWIFT transfers are subject to partner bank clearing hours and fraud checks.
03. Acceptable Use & Account Security
Users are strictly prohibited from using KeyTrust Pay services for unlawful activities, including money laundering, terrorist financing, fraud, or prohibited merchant categories. You are responsible for maintaining the confidentiality of your login credentials and two-factor authentication codes.
04. Limitation of Liability
To the maximum extent permitted by applicable law, KeyTrust Pay Inc. and its partner banks shall not be liable for indirect, incidental, or consequential damages arising from system maintenance, telecommunication interruptions, or third-party network outages.