Loadingā¦
Loadingā¦
Last Updated: March 15, 2026
Welcome to Trebanx. These Terms of Service ("Terms") govern your access to and use of the Trebanx platform, website, mobile applications, and services (collectively, the "Platform"). Please read these Terms carefully before using our Platform.
By accessing or using the Platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Platform.
You represent that you have the legal capacity to enter into these Terms. If you are using the Platform on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
To use the Platform, you must:
We reserve the right to refuse service, terminate accounts, or restrict access at our sole discretion.
To access Platform features, you must create an account. When registering, you agree to:
You may not share your account credentials or allow others to access your account. You are solely responsible for any activity that occurs under your account.
Trebanx is a technology platform, not a bank.We provide software tools that enable groups of individuals ("Circles") to organize, track, and facilitate member-to-member lending and savings activities.
Trebanx does NOT:
Banking services, where applicable, are provided by regulated partner financial institutions. Funds held with partner banking institutions may be eligible for pass-through FDIC insurance, subject to applicable limits and requirements.
Circles are groups of members who agree to pool funds and lend to each other under rules established by the Circle. By participating in a Circle, you acknowledge:
See our Risk Disclosures for detailed information about the risks of member-to-member lending.
All payments are processed through Stripe, a third-party payment processor. By using the Platform, you agree to Stripe's terms of service.
By linking a bank account, you authorize Trebanx and our payment partners to initiate debits and credits to your account for contributions, loans, and repayments as directed by Circle activities.
You agree NOT to:
Violation of these rules may result in immediate account termination and legal action.
The Platform, including all content, features, and functionality, is owned by Trebanx and protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. This license does not include the right to modify, distribute, or create derivative works.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TREBANX DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, TREBANX SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE PLATFORM.
Our total liability for any claims arising from these Terms or your use of the Platform shall not exceed the fees you paid to Trebanx in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.
You agree to indemnify, defend, and hold harmless Trebanx, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) your participation in any Circle.
We may suspend or terminate your account at any time, with or without cause, and with or without notice. You may close your account at any time by contacting support.
Upon termination, your right to use the Platform will immediately cease. Termination does not relieve you of any outstanding obligations to Circle members. Sections regarding intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution survive termination.
Binding Arbitration: Any dispute arising from these Terms or your use of the Platform shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules.
Class Action Waiver: You agree to resolve disputes individually and waive the right to participate in class actions or class arbitrations.
Small Claims Exception: Either party may bring claims in small claims court if the claim qualifies.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles. Any legal action not subject to arbitration shall be brought in the state or federal courts located in Delaware.
We may update these Terms from time to time. We will notify you of material changes by email or through the Platform. Your continued use of the Platform after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Platform.
If you have questions about these Terms, please contact us at legal@trebanx.com.
Questions? Contact support@trebanx.com