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ExcelMyBank – Legal Pack

(Terms & Conditions + Privacy Policy)

1. Terms and Conditions

Welcome to ExcelMyBank!

These Terms and Conditions govern your use of ExcelMyBank’s website (the “Website”), located at USA.

By accessing or using this Website, you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue use of ExcelMyBank immediately.

1.1 Cookies

Our Website uses cookies to enhance your browsing experience. By using ExcelMyBank, you consent to the use of required cookies.

Cookies are small text files placed on your device by a web server. They cannot be used to run programs or deliver viruses. Each cookie is unique to you and can only be read by the domain that issued it.

We may use cookies to collect statistical data, improve functionality, and support marketing efforts. You may accept or decline optional cookies; however, certain essential cookies required for site functionality will always remain active. Some third-party services integrated into our site (e.g., video content providers) may also use cookies.

1.2 Intellectual Property & License

Unless otherwise stated, ExcelMyBank and/or its licensors own all intellectual property rights to the materials on this Website. All rights are reserved.

You may access this Website for your personal use only, subject to the following restrictions. You must not:

· Copy or republish material from ExcelMyBank

· Sell, rent, or sub-license material from ExcelMyBank

· Reproduce, duplicate, or copy material from ExcelMyBank

· Redistribute content from ExcelMyBank without permission

This Agreement begins upon your first use of the Website.

1.3 User Comments & Content

Certain areas of this Website may allow users to post comments or other content (“Comments”).

· ExcelMyBank does not pre-screen, edit, or review Comments before they appear.

· Comments do not reflect the views of ExcelMyBank, its agents, or affiliates.

· ExcelMyBank is not liable for any Comments or resulting damages.

By posting Comments, you warrant that:

· You have the right to post such Comments and all necessary licenses and consents.

· Your Comments do not infringe on any third-party intellectual property rights.

· Your Comments are not defamatory, unlawful, offensive, or invasive of privacy.

· Your Comments will not be used to solicit business, advertise, or engage in unlawful activity.

You grant ExcelMyBank a non-exclusive, royalty-free license to use, reproduce, and edit your Comments in any form, media, or format.

1.4 Hyperlinking to Our Content

The following organizations may link to our Website without prior written approval:

· Government agencies

· Search engines

· News organizations

· Online directory distributors (using the same method as for other listed businesses)

· Accredited businesses (excluding non-profits, charity shopping malls, or fundraising groups)

Other organizations may request approval by contacting ExcelMyBank via email.

Use of ExcelMyBank’s logo or other proprietary graphics for linking requires a trademark license agreement.

1.5 Content Liability

We are not responsible for any content appearing on third-party websites that link to ExcelMyBank. You agree to defend and indemnify us against all claims arising from content on your site that links to ours.

1.6 Reservation of Rights

We reserve the right to:

· Request removal of any or all links to our Website.

· Amend these Terms and Conditions at any time.

Continued use of our Website indicates your agreement to these Terms.

1.7 Removal of Links

If you find any link on our Website to be offensive or inappropriate, please contact us. While we will consider all requests, we are not obligated to remove links or respond directly.

1.8 Disclaimer & Limitation of Liability

To the fullest extent permitted by law, ExcelMyBank disclaims all warranties, representations, and conditions regarding this Website and its use.

Nothing in this disclaimer shall:

· Limit or exclude liability for death or personal injury caused by negligence.

· Limit or exclude liability for fraud or fraudulent misrepresentation.

· Limit any liabilities not permitted under applicable law.

As long as this Website and its services are provided free of charge, ExcelMyBank will not be liable for any loss or damage of any kind.

2. Privacy Policy

2.1 Introduction

At ExcelMyBank, we respect your privacy and are committed to protecting the personal data you share with us. This Privacy Policy explains how we collect, use, and safeguard your information.

2.2 Data We Collect

We may collect:

· Personal details (e.g., name, email address)

· Usage data (e.g., IP address, browser type, pages visited)

· Cookies and similar technologies

2.3 How We Use Your Data

We use your information to:

· Operate and maintain our website

· Improve user experience and services

· Comply with legal obligations

2.4 Sharing of Information

We do not sell or rent your personal data. We may share it with:

· Trusted service providers assisting in website operations

· Authorities when required by law

2.5 Data Security

We implement appropriate technical and organizational measures to protect your data from unauthorized access, alteration, disclosure, or destruction.

2.6 Your Rights

You have the right to:

· Access the personal data we hold about you

· Request correction or deletion of your data

· Withdraw consent where applicable

2.7 Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our Website constitutes acceptance of the revised policy.

Effective Date: Aug. 27, 2025