Terms of Service

1. Acceptance of Terms

Welcome to Bank Roads. These Terms of Service ("Terms") constitute a legally binding agreement between you and Bank Roads ("Company," "we," "us," or "our") governing your access to and use of our website, applications, and services (collectively, the "Service").

BY ACCESSING OR USING OUR SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THE SERVICE. If you are using the Service on behalf of a minor child, you agree to these Terms on your own behalf and on behalf of such child, and you represent and warrant that you have the legal authority to do so.

2. Description of Service

Bank Roads is an EDUCATIONAL platform that provides gamified financial literacy content designed for children in late elementary and middle school, under direct parental or guardian supervision. Our Service teaches basic money concepts through interactive lessons, games, and activities.

3. Eligibility and Account Registration

To use our Service, you must be at least 18 years old or the age of legal majority in your jurisdiction. The Service is designed for children to use under direct parental or guardian supervision. By registering an account, you represent and warrant that:

• You are at least 18 years old or the age of legal majority in your jurisdiction
• If registering on behalf of a child, you are the parent or legal guardian of that child
• You have the legal authority to bind yourself (and any child) to these Terms
• All information you provide is accurate, current, and complete
• You will maintain the security of your account credentials
• You will supervise your child's use of the Service

You are responsible for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.

4. Parent and Guardian Responsibilities

If you permit a child to use our Service, you agree that:

• You will supervise your child's use of the Service
• You are responsible for your child's compliance with these Terms
• You will review the educational content with your child as appropriate
• You understand that the Service provides general educational content and is not a substitute for personalized financial education or advice
• Any discussions about applying financial concepts in real life should be guided by you and/or qualified financial professionals
• You will not hold Bank Roads responsible for any decisions made based on information learned through the Service

5. Intellectual Property Rights

The Service and all content, features, and functionality (including but not limited to text, graphics, logos, icons, images, audio, video, software, and the design and arrangement thereof) are owned by Bank Roads, its licensors, or other content providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial educational purposes only. You may not:

• Copy, modify, distribute, sell, or lease any part of our Service
• Reverse engineer or attempt to extract the source code of our software
• Remove any copyright, trademark, or other proprietary notices
• Use our content to create derivative works or competing products
• Use automated systems or software to extract data from the Service

6. Prohibited Conduct

You agree not to:

• Use the Service for any illegal purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers connected to the Service
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest personal information from other users
• Use the Service for any commercial purpose without our prior written consent
• Circumvent any access or authentication measures

7. Disclaimer of Warranties

8. Limitation of Liability

9. Indemnification

You agree to indemnify, defend, and hold harmless Bank Roads and its affiliates, directors, officers, employees, agents, suppliers, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Any claim that your use of the Service caused damage to a third party
• Any financial decisions made based on information from the Service
• Your child's use of the Service under your account

10. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and Bank Roads agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding arbitration, rather than in court, except that either party may bring claims in small claims court if eligible.

Class Action Waiver: You and Bank Roads agree that any proceedings to resolve disputes will be conducted on an individual basis and not as a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Arbitration shall be conducted by a single arbitrator under the rules of the American Arbitration Association. The arbitration shall take place in [Your State/City], unless the parties agree otherwise.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], United States, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in [Your County], [Your State].

12. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of the Service after any changes constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or policies published on the Service, constitute the entire agreement between you and Bank Roads regarding your use of the Service and supersede all prior agreements and understandings, whether written or oral.

16. Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by Bank Roads to be effective.

17. Contact Information

If you have any questions about these Terms, please contact us at: