<x-layouts::front :title="__('Terms Of Use Privacy Policy', ['app' => config('app.name')])">
<div class="">
            <x-hero-static
    title="Terms Of Use"
    backgroundType="gradient"
    gradient="bg-gradient-to-r from-sky-700 via-sky-600 to-sky-800"
    height="h-[60vh] md:h-[40vh]"
/>

@php
$appName = config('app.name');
$contactUrl = route('about.contact');
$host = request()->getHost();

$termsSections = [

    [
        'heading' => 'Acceptance of These Terms',
        'content' => "
            <p>
                These Terms of Use (the 'Terms') govern your access to and use of {$appName}'s website, online services,
                and any related digital platforms (collectively, the 'Services').
            </p>
            <p>
                By accessing or using the Services, you agree to be bound by these Terms. If you do not agree,
                you must discontinue use immediately.
            </p>
        ",
    ],

    [
        'heading' => 'Eligibility',
        'content' => "
            <p>
                You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Services.
                By using the Services, you represent that you meet these requirements.
            </p>
        ",
    ],

    [
        'heading' => 'Scope of Services',
        'content' => "
            <p>
                {$appName} provides information about banking products and services, and may provide secure access to online banking,
                account management, and related features.
            </p>
            <p>
                Certain features may only be available to registered customers and may require identity verification, account approval,
                or additional security checks.
            </p>
        ",
    ],

    [
        'heading' => 'Online Banking & Account Access',
        'content' => "
            <p>
                If you enroll in online banking, you are responsible for maintaining the confidentiality of your login credentials,
                passwords, security codes, and any authentication methods used to access your account.
            </p>
            <p>
                You agree to notify {$appName} immediately if you suspect unauthorized access, suspicious activity, or any security breach.
            </p>
        ",
    ],

    [
        'heading' => 'Permitted Use',
        'content' => "
            <p>
                You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to:
            </p>
            <ul class='list-disc list-inside space-y-1'>
                <li>Use the Services in a way that violates any applicable law or regulation</li>
                <li>Attempt to gain unauthorized access to accounts, systems, or networks</li>
                <li>Interfere with the operation, security, or performance of the Services</li>
                <li>Introduce malware, viruses, or harmful code</li>
                <li>Scrape, harvest, or extract data without authorization</li>
                <li>Impersonate any person or entity, or misrepresent your affiliation</li>
            </ul>
        ",
    ],

    [
        'heading' => 'Product Information Disclaimer',
        'content' => "
            <p>
                Information provided on the Services is for general informational purposes only and may not constitute
                financial, legal, or tax advice.
            </p>
            <p>
                Product availability, rates, fees, terms, and eligibility requirements may change at any time.
                For the most accurate information, please refer to official account disclosures or contact us directly.
            </p>
        ",
    ],

    [
        'heading' => 'No Offer or Commitment',
        'content' => "
            <p>
                Content on this website does not constitute an offer, solicitation, or commitment to provide any product or service.
                Any application for a financial product is subject to review, approval, and applicable eligibility requirements.
            </p>
        ",
    ],

    [
        'heading' => 'Fees, Rates, and Disclosures',
        'content' => "
            <p>
                Fees, rates, and terms associated with accounts, loans, cards, or services are disclosed in applicable agreements
                and disclosures provided to customers.
            </p>
            <p>
                If there is any conflict between website content and official disclosures, the official disclosures control.
            </p>
        ",
    ],

    [
        'heading' => 'Electronic Communications',
        'content' => "
            <p>
                By using the Services, you consent to receive communications electronically, including notices, disclosures,
                statements, alerts, and other information.
            </p>
            <p>
                You are responsible for maintaining current contact information, including email address and phone number,
                and for reviewing electronic communications in a timely manner.
            </p>
        ",
    ],

    [
        'heading' => 'Security & Fraud Prevention',
        'content' => "
            <p>
                {$appName} may use security tools, monitoring, and fraud prevention measures to protect customers and the Services.
                We may restrict, suspend, or terminate access where we reasonably believe fraud, unauthorized activity,
                or misuse has occurred.
            </p>
        ",
    ],

    [
        'heading' => 'Third-Party Links',
        'content' => "
            <p>
                The Services may contain links to third-party websites. These links are provided for convenience only.
                {$appName} does not control and is not responsible for the content, security, or privacy practices of third-party sites.
            </p>
            <p>
                You access third-party sites at your own risk and should review their terms and privacy policies.
            </p>
        ",
    ],

    [
        'heading' => 'Third-Party Services & Vendors',
        'content' => "
            <p>
                We may rely on third-party vendors to support the operation of the Services, including hosting,
                analytics, customer support, and security monitoring.
            </p>
            <p>
                These vendors are contractually required to protect information and may only use it for authorized purposes.
            </p>
        ",
    ],

    [
        'heading' => 'Intellectual Property',
        'content' => "
            <p>
                The Services and all content, trademarks, logos, designs, text, graphics, and software are owned by {$appName}
                or its licensors and are protected by intellectual property laws.
            </p>
            <p>
                You may not copy, reproduce, distribute, modify, create derivative works, or exploit any portion of the Services
                without prior written permission, except as permitted by law.
            </p>
        ",
    ],

    [
        'heading' => 'User Content (If Applicable)',
        'content' => "
            <p>
                If the Services allow you to submit information or content (such as forms, messages, or uploads),
                you represent that the information is accurate and that you have the right to submit it.
            </p>
            <p>
                You agree not to submit unlawful, harmful, defamatory, or misleading content.
            </p>
        ",
    ],

    [
        'heading' => 'Availability & Service Interruptions',
        'content' => "
            <p>
                We strive to keep the Services available and secure. However, access may be interrupted due to maintenance,
                upgrades, system issues, or events outside our control.
            </p>
            <p>
                {$appName} is not responsible for delays, interruptions, or inability to access the Services.
            </p>
        ",
    ],

    [
        'heading' => 'Limitation of Liability',
        'content' => "
            <p>
                To the maximum extent permitted by law, {$appName} is not liable for any indirect, incidental, special,
                consequential, or punitive damages arising out of or relating to your use of the Services.
            </p>
            <p>
                This includes, without limitation, loss of profits, loss of data, loss of business, or service interruption,
                even if we have been advised of the possibility of such damages.
            </p>
        ",
    ],

    [
        'heading' => 'Disclaimer of Warranties',
        'content' => "
            <p>
                The Services are provided on an 'as is' and 'as available' basis.
                {$appName} makes no warranties of any kind, express or implied, including warranties of merchantability,
                fitness for a particular purpose, and non-infringement.
            </p>
            <p>
                We do not warrant that the Services will be uninterrupted, error-free, secure, or free from harmful components.
            </p>
        ",
    ],

    [
        'heading' => 'Indemnification',
        'content' => "
            <p>
                You agree to defend, indemnify, and hold harmless {$appName}, its affiliates, officers, directors,
                employees, and agents from and against any claims, liabilities, damages, losses, and expenses
                arising out of or relating to your violation of these Terms or misuse of the Services.
            </p>
        ",
    ],

    [
        'heading' => 'Suspension & Termination',
        'content' => "
            <p>
                We may suspend or terminate your access to the Services at any time if we reasonably believe you have violated these Terms,
                engaged in fraud, attempted unauthorized access, or otherwise misused the Services.
            </p>
            <p>
                Termination does not limit any rights or remedies available to {$appName}.
            </p>
        ",
    ],

    [
        'heading' => 'Privacy',
        'content' => "
            <p>
                Your use of the Services is also governed by our Privacy & Data policy. Please review it to understand how we collect,
                use, and protect personal information.
            </p>
        ",
    ],

    [
        'heading' => 'Changes to These Terms',
        'content' => "
            <p>
                {$appName} may update these Terms from time to time. Updates will be posted on this page and may take effect immediately,
                unless otherwise required by law.
            </p>
            <p>
                Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.
            </p>
        ",
    ],

    [
        'heading' => 'Governing Law',
        'content' => "
            <p>
                These Terms are governed by and construed in accordance with applicable banking and consumer protection laws,
                as well as the laws of the jurisdiction in which {$appName} operates, without regard to conflict of law principles.
            </p>
        ",
    ],

    [
        'heading' => 'Dispute Resolution',
        'content' => "
            <p>
                If you have a concern or dispute regarding the Services, we encourage you to contact us first so we can attempt
                to resolve the issue promptly and fairly.
            </p>
            <p>
                Requests and disputes may be submitted through our
                <a href='{$contactUrl}' class='text-primary-600 hover:underline'>Contact Us</a> page.
            </p>
        ",
    ],

    [
        'heading' => 'Contact Information',
        'content' => "
            <p>
                If you have questions about these Terms, you may contact {$appName} using the details below:
            </p>
            <ul class='list-disc list-inside space-y-1'>
                <li>Email: <a href='mailto:support@{$host}' class='text-primary-600 hover:underline'>support@{$host}</a></li>
                <li>Website: <a href='{$contactUrl}' class='text-primary-600 hover:underline'>Contact Us</a></li>
            </ul>
        ",
    ],
    [
    'heading' => 'Use of the Website Outside the United States',
    'content' => "
        <p>
            The Services are controlled and operated by {$appName}. We make no representation that the Services are appropriate,
            lawful, or available for use in every jurisdiction.
        </p>
        <p>
            If you access the Services from outside the United States, you do so at your own initiative and are responsible for
            compliance with local laws.
        </p>
    ",
],

[
    'heading' => 'Mobile Access & Carrier Charges',
    'content' => "
        <p>
            You may access certain Services through mobile devices, including via mobile web or mobile applications (if offered).
            Standard data, text messaging, and carrier charges may apply.
        </p>
        <p>
            {$appName} is not responsible for fees charged by your mobile carrier or internet provider.
        </p>
    ",
],

[
    'heading' => 'Text Message & Alert Services',
    'content' => "
        <p>
            If you enroll in text alerts, email alerts, or push notifications, you authorize {$appName} to send communications
            regarding account activity, security events, and service notices.
        </p>
        <p>
            Alerts may be delayed or unavailable due to factors outside our control, including carrier outages, device settings,
            spam filters, or network conditions. You should not rely solely on alerts to monitor account activity.
        </p>
    ",
],

[
    'heading' => 'Accuracy of Information',
    'content' => "
        <p>
            While we make reasonable efforts to ensure information on the Services is accurate and up to date, content may contain
            typographical errors, outdated details, or omissions.
        </p>
        <p>
            {$appName} reserves the right to correct any errors, inaccuracies, or omissions at any time without prior notice.
        </p>
    ",
],

[
    'heading' => 'Identity Verification',
    'content' => "
        <p>
            To protect customers and comply with legal obligations, we may require identity verification before opening accounts,
            processing requests, or granting access to certain Services.
        </p>
        <p>
            Verification may include requesting additional documentation, confirming personal details, or using third-party identity
            verification services. Failure to provide required information may result in delays, restrictions, or denial of service.
        </p>
    ",
],

[
    'heading' => 'Prohibited Transactions',
    'content' => "
        <p>
            You may not use the Services to conduct transactions that violate applicable laws or regulations, including laws
            related to money laundering, terrorist financing, sanctions, or fraud.
        </p>
        <p>
            We may restrict, reject, or report transactions as required by law or as necessary to protect customers and the Services.
        </p>
    ",
],

[
    'heading' => 'Monitoring, Logging & Security Review',
    'content' => "
        <p>
            {$appName} may monitor, record, and log activity on the Services for security, fraud prevention, compliance, and
            operational purposes.
        </p>
        <p>
            Monitoring may include IP addresses, device identifiers, login attempts, session activity, and transaction-related events.
            By using the Services, you consent to such monitoring to the extent permitted by law.
        </p>
    ",
],

[
    'heading' => 'Account Holds, Restrictions & Delays',
    'content' => "
        <p>
            We may place holds, delays, or restrictions on transactions or account access in accordance with applicable laws,
            security policies, fraud prevention measures, and operational requirements.
        </p>
        <p>
            Holds may occur for reasons including suspected fraud, identity verification, unusual activity, system maintenance,
            legal requirements, or risk review.
        </p>
    ",
],

[
    'heading' => 'Customer Responsibility for Review',
    'content' => "
        <p>
            You are responsible for reviewing your account statements, confirmations, and transaction history and for promptly
            reporting any errors or unauthorized activity.
        </p>
        <p>
            Reporting requirements and timelines may be governed by applicable account agreements and disclosures.
        </p>
    ",
],

[
    'heading' => 'Device Security',
    'content' => "
        <p>
            You are responsible for maintaining the security of the devices you use to access the Services.
            This includes keeping your operating system and browser up to date, using reputable security software,
            and protecting your device from unauthorized access.
        </p>
        <p>
            You should avoid using public or shared computers to access online banking and should log out after each session.
        </p>
    ",
],

[
    'heading' => 'Biometric Authentication (If Available)',
    'content' => "
        <p>
            If biometric authentication is available (such as fingerprint or facial recognition), you may choose to enable it
            for convenience. Biometric features are controlled by your device manufacturer and operating system.
        </p>
        <p>
            {$appName} does not store your biometric data. Biometric authentication may fail or be unavailable due to device settings,
            operating system updates, or hardware limitations.
        </p>
    ",
],

[
    'heading' => 'System Maintenance & Updates',
    'content' => "
        <p>
            We may perform scheduled or unscheduled maintenance to improve security, performance, and reliability.
            During maintenance, some features may be unavailable.
        </p>
        <p>
            We may update the Services at any time, including changing features, layouts, or functionality.
        </p>
    ",
],

[
    'heading' => 'Record Retention & Evidence',
    'content' => "
        <p>
            Records maintained by {$appName}, including electronic logs, system timestamps, and transaction records,
            may be used as evidence of activity conducted through the Services.
        </p>
        <p>
            To the extent permitted by law, such records will be considered accurate and authoritative unless proven otherwise.
        </p>
    ",
],

[
    'heading' => 'Force Majeure',
    'content' => "
        <p>
            {$appName} is not responsible for failure or delay in performance due to events beyond our reasonable control,
            including natural disasters, acts of government, labor disputes, cyberattacks, telecommunications outages,
            or failures of third-party service providers.
        </p>
    ",
],

[
    'heading' => 'Severability',
    'content' => "
        <p>
            If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be deemed
            severable and will not affect the validity and enforceability of the remaining provisions.
        </p>
    ",
],

[
    'heading' => 'No Waiver',
    'content' => "
        <p>
            Failure by {$appName} to enforce any right or provision of these Terms will not constitute a waiver of such right
            or provision.
        </p>
    ",
],

[
    'heading' => 'Entire Agreement',
    'content' => "
        <p>
            These Terms, together with any applicable account agreements, disclosures, fee schedules, privacy policies,
            and other posted notices, constitute the entire agreement between you and {$appName} regarding use of the Services.
        </p>
    ",
],

[
    'heading' => 'Assignment',
    'content' => "
        <p>
            You may not assign, transfer, or delegate your rights or obligations under these Terms without prior written consent.
            {$appName} may assign these Terms as permitted by law, including in connection with a merger, acquisition,
            or sale of assets.
        </p>
    ",
],

[
    'heading' => 'Headings for Convenience',
    'content' => "
        <p>
            Section headings are provided for convenience only and do not affect interpretation of these Terms.
        </p>
    ",
],


];
@endphp
<x-privacy-section
    title="Terms of Use"
      textColor="text-red-900 dark:text-red-50"
    updated="Last Updated: {{ now()->format('F d, Y') }}"
    :sections="$termsSections"
/>

</div>
</x-layouts::front>