Terms and Conditions

Update; Effective Date: August 2025

Welcome to First Caribbean International Bank and Trust (FCIBT). By accessing or using our services, including offshore banking, trust administration, refunds, multi-currency accounts, and crypto-related services, you agree to comply with the following Terms and Conditions.

1. Acceptance of Terms

By using FCIBT services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. These terms govern all banking, trust, investment, refund, and digital services offered by FCIBT.

2. Eligibility

You must meet the legal and regulatory requirements of the Cayman Islands and any applicable jurisdiction to open an account or use FCIBT services. We reserve the right to refuse service to anyone who does not meet these requirements.

3. Account Management

• You agree to provide accurate, complete, and current information when opening accounts or using our services.

• You are responsible for maintaining the confidentiality of your account credentials.

• FCIBT reserves the right to suspend or close accounts that violate regulations or pose a security risk.

4. Refunds and Payments

• Refund requests must include all required documentation and transaction details.

• FCIBT ensures timely and secure processing of refunds, but processing times may vary depending on the originating bank or payment system.

• By submitting a refund request, you authorize FCIBT to verify, process, and execute the transaction in accordance with applicable laws.

5. Trust and Fund Services

• FCIBT acts as trustee and fund administrator under Cayman Islands law.

• Trust and fund services are provided in accordance with applicable regulations and fiduciary standards.

• Clients acknowledge that trust arrangements and fund management involve legal and financial obligations that FCIBT fulfills with due diligence.

6. Multi-Currency Accounts and Crypto Services

• FCIBT provides multi-currency accounts and supports crypto-related transactions where permitted by law.

• You are responsible for compliance with your jurisdiction’s tax and regulatory requirements.

• FCIBT does not provide investment advice for cryptocurrencies, and all crypto transactions are at your own risk.

7. Privacy and Confidentiality

• FCIBT adheres to a strict Privacy Policy protecting client information.

• Your personal, financial, and transactional data will only be used to provide, manage, and enhance services, including refunds, trust management, and international transfers.

8. Limitation of Liability

• FCIBT is not liable for indirect, incidental, or consequential damages arising from the use of services.

• We are committed to minimizing risk and ensuring secure, compliant services, but international banking, refunds, and crypto transactions carry inherent risks.

9. Amendments

• FCIBT may update these Terms and Conditions periodically.

• Clients will be notified of material changes via email or website notification. Continued use of services constitutes acceptance of updated terms.

10. Governing Law

These Terms and Conditions are governed by the laws of the Cayman Islands, and any disputes shall be subject to the jurisdiction of the Cayman Islands courts.