Welcome to Novoscotia Bank. By accessing and using our services, you agree to the following terms and conditions. Please read them carefully.

1. General Use of Services

• 1.1. Novoscotia Bank provides financial services and products designed to meet the needs of its users.
• 1.2. By using our services, you agree to provide accurate and complete information where required.
• 1.3. All transactions conducted through Novoscotia Bank must comply with applicable laws and regulations.

2. User Responsibility

• 2.1. Users are solely responsible for maintaining the confidentiality of their account details, including usernames and passwords.
• 2.2. Novoscotia Bank is not liable for any unauthorized access or misuse of your account resulting from your negligence.

3. Developer Liability Disclaimer

• 3.1. The developer of Novoscotia Bank's platform is not responsible for how the owner, management, or users utilize the system.
• 3.2. The developer shall not be held liable for any misconduct, illegal activity, or misuse of the platform by the owner, employees, or users.
• 3.3. The platform is provided as-is, and any issues arising from the owner’s use or misuse are the sole responsibility of the owner.

4. Privacy and Data Protection

• 4.1. Novoscotia Bank values your privacy and adheres to stringent cyber security measures to protect your data.
• 4.2. Users must also ensure that any data shared with the bank is accurate and not used for fraudulent purposes.

5. Limitation of Liability

• 5.1. Novoscotia Bank is not liable for any indirect, incidental, or consequential damages resulting from the use of its services.
• 5.2. Users acknowledge that the bank’s services are subject to downtime, updates, or unforeseen circumstances, and the bank will not be held liable for any resulting inconvenience.