Terms of Service
Last updated: October 16, 2026
Please read carefully: World Credit Union is a digital banking concept platform, NOT a real bank. It is not licensed, not FDIC-insured, and does not provide real financial services. Do not submit real financial credentials or sensitive financial data. All figures and balances are illustrative.
1. Platform Nature & Disclaimer
- •World Credit Union is a digital banking concept platform developed for demonstration and educational purposes.
- •It is NOT a licensed or regulated financial institution. It does not hold banking licenses, is not FDIC-insured, and is not registered with any financial regulatory authority.
- •The platform does NOT hold, receive, or transfer real customer deposits. All account balances, transactions, and card numbers displayed within the platform are simulated and illustrative.
- •No real financial services — including deposits, withdrawals, transfers, loans, investments, or card issuance — are provided.
- •Any statistics, figures, or testimonials shown on the platform are illustrative and not representations of actual user data or business results.
2. Acceptance of Terms
- •By creating an account or using this platform, you agree to these Terms of Service.
- •If you do not agree with any part of these terms, you must not use the platform.
- •We may update these terms from time to time. Continued use after changes constitutes acceptance.
3. User Responsibilities
- •You must provide accurate information when creating your account.
- •You are responsible for keeping your password and authentication credentials secure.
- •You must not use the platform for any unlawful, fraudulent, or harmful purpose.
- •You must not attempt to access other users' data or compromise platform security.
- •Do not submit real financial credentials, real ID document numbers, or sensitive financial data that you would not share with a non-licensed entity.
4. Security & Data
- •We implement industry-standard security measures including TLS encryption, secure authentication, and row-level access controls.
- •However, since this is a concept platform, you should not submit real financial credentials or sensitive financial data.
- •We are not responsible for any loss arising from submitting real financial information to this platform.
- •See our Privacy Policy for details on how your data is handled.
5. Limitation of Liability
- •The platform is provided 'as is' without warranties of any kind.
- •We are not liable for any direct, indirect, or consequential damages arising from use of the platform.
- •Since no real financial services are provided, no financial liability arises from any platform activity.
- •We do not guarantee uninterrupted or error-free platform availability.
6. Governing Law
- •These terms are governed by applicable local laws.
- •Any disputes will be resolved through good-faith negotiation or, if necessary, through the appropriate legal channels.
By using this platform, you acknowledge that you have read, understood, and agree to these Terms of Service. See also our Privacy Policy.