Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by Dime Online Financials LLC ("Dime," "we," "us," or "our") through our website at dimefinapp.com, our mobile application, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Services.

These Terms constitute a legally binding agreement between you and Dime Online Financials LLC, a Texas limited liability company.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States or an eligible jurisdiction
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using financial services under applicable law
• Provide accurate and complete registration information

3. Account Registration and Security

To access certain features of our Services, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

You are responsible for safeguarding your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security.

4. Services Description

Dime Online Financials LLC provides the following financial services:

• Banking Services: Digital checking and savings accounts, direct deposit, bill pay, and fund transfers
• Cryptocurrency Services: Digital wallet for Bitcoin, Ethereum, Solana, Dime Coin, and other supported cryptocurrencies
• Lending Services: Personal loans, auto loans, home equity loans, and student loan refinancing
• Insurance Services: Life, health, auto, home, and business insurance products
• Estate Planning: Trusts, wills, power of attorney, and beneficiary management
• Payment Processing: Debit and credit card services, payment processing through Stripe
• AI-Powered Advisory: Financial planning, tax preparation, compliance guidance, and customer support through our AI agent system

5. Fees and Charges

Certain Services may be subject to fees. All applicable fees will be disclosed to you before you complete a transaction or subscribe to a service. We reserve the right to change our fee structure with 30 days' prior notice. Continued use of the Services after a fee change constitutes acceptance of the new fees.

6. Cryptocurrency Disclaimer

Cryptocurrency transactions involve significant risk. The value of cryptocurrencies, including Dime Coin, can fluctuate dramatically. You acknowledge and agree that:

• Cryptocurrency investments are speculative and may result in loss of funds
• Past performance is not indicative of future results
• We do not guarantee the value, stability, or liquidity of any cryptocurrency
• Cryptocurrency transactions are generally irreversible
• Regulatory changes may affect the availability or legality of certain cryptocurrency services

7. AI Advisory Services Disclaimer

Our AI-powered advisory services, including the Financial Advisor, Tax Preparation, and Compliance agents, provide general information and guidance only. These services do not constitute professional financial, legal, or tax advice. You should consult with qualified professionals before making significant financial decisions. We are not liable for any decisions made based on AI-generated recommendations.

8. Prohibited Activities

You agree not to use the Services for:

• Any illegal or unauthorized purpose
• Money laundering, terrorist financing, or other financial crimes
• Fraud, identity theft, or impersonation
• Circumventing any security measures or access controls
• Interfering with or disrupting the Services or servers
• Scraping, data mining, or automated access to the Services
• Violating any applicable local, state, national, or international law

9. Intellectual Property

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, icons, images, software, and the Dime brand, are the exclusive property of Dime Online Financials LLC and are protected by United States and international copyright, trademark, and other intellectual property laws.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Dime Online Financials LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the Services
• Any conduct or content of any third party on the Services
• Unauthorized access, use, or alteration of your transmissions or content
• Fluctuations in cryptocurrency values
• Technical failures, system outages, or service interruptions

11. Indemnification

You agree to indemnify, defend, and hold harmless Dime Online Financials LLC and its officers, directors, employees, contractors, agents, licensors, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Services.

12. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in Austin, Texas. You agree to waive any right to a jury trial or to participate in a class action lawsuit.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

14. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

15. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of the Services after any changes constitutes acceptance of the new Terms.

16. Contact Information

If you have any questions about these Terms, please contact us: