1. Introduction
These Terms and Conditions govern the use of the globalchangebank.org website and the services provided by Global Change Bank (GCB), a non-profit financial platform operating under the Council of Global Change.
These Terms apply to all institutional users, including but not limited to governments, regional parliaments, diplomats, NGOs, and development institutions ("Institutional Partners"). By accessing this Website, you agree to be bound by these Terms. Do not use this Website if you disagree with any part of these Terms and Conditions.
2. Core Disclaimer: Not a Banking Institution
Global Change Bank (GCB) is a non-profit organization. GCB does not provide financial, legal, or investment advice and does not offer or solicit banking services. Any accounts, cards, or payment features described are issued and operated by regulated partner banks or fintech providers under their respective licenses. Participation in GCB programs is subject to partner-bank approval and applicable laws. All information provided is for educational and institutional purposes only.
3. Intellectual Property Rights
Other than the content you own, under these Terms, Global Change Bank and/or its licensors own all the intellectual property rights and materials contained in this Website. You are granted a limited license only for purposes of viewing and utilizing the material contained on this Website for your organization's internal, non-commercial purposes.
4. Restrictions
You are specifically restricted from all of the following:
- Publishing any Website material in any other media without prior consent.
- Selling, sublicensing, or otherwise commercializing any Website material.
- Using this Website in any way that is or may be damaging to GCB or its partners.
- Engaging in any data mining, data harvesting, data extracting, or any other similar activity.
5. Your Content
"Your Content" shall mean any data, proposals, or other material you choose to submit to this Website. By submitting Your Content, you grant Global Change Bank a non-exclusive, worldwide, irrevocable license to use, reproduce, and analyze such content solely for the purpose of evaluating and facilitating your institutional objectives in line with our mission.
Your Content must be your own and must not infringe on any third-party’s rights. GCB reserves the right to remove any of Your Content from this Website at any time without notice.
6. No Warranties
This Website is provided "as is," with all faults, and Global Change Bank expresses no representations or warranties, of any kind related to this Website or the materials contained on this Website.
7. Limitation of Liability
In no event shall Global Change Bank, nor any of its officers, directors, or employees, be held liable for anything arising out of or in any way connected with your use of this Website.
8. Indemnification
You hereby indemnify to the fullest extent Global Change Bank from and against any and/or all liabilities, costs, demands, causes of action, damages, and expenses arising in any way related to your breach of any of the provisions of these Terms.
9. Governing Law & Jurisdiction
These Terms will be governed by and interpreted in accordance with the laws applicable to non-profit organizations in its jurisdiction of establishment, and you submit to the non-exclusive jurisdiction of the state and federal courts located in said jurisdiction for the resolution of any disputes.
