Terms of service

Effective Date: 21 November 2025

These Terms and Conditions (“Terms”) govern your use of the oneBanking mobile application and related financial tools (“App”), and the oneBanking online merchandise store located at shop.oneBanking.app (“Store”). By using the App or purchasing from the Store, you agree to be bound by these Terms. If you do not agree, you must not use our services.

1. Company Information
Legal Name: One Finance Limited
Registered Address: Level 3 (Suite No. 3211), Tower Business Centre, Tower Street, Swatar, Birkirkara, BKR 4013, Malta
Company Registration Number: C 108849
VAT Number: MT31333709
Customer Support Email: support@oneBanking.app
Data Protection Contact: Simon Streiner, Executive Assistant (simon@oneBanking.app)

2. Scope of These Terms
These Terms govern access to and use of the oneBanking App, purchase, delivery, and use of merchandise sold through the Store, rights and obligations between you and One Finance Limited, and interactions with payment providers, print-on-demand partners, and shipping carriers. Separate policies apply, including the Privacy Policy, Cookie Policy, Refund and Return Policy, and Shipping Policy. If there is a conflict, these Terms prevail.

3. Eligibility
You must be at least 16 years old (or as required by local law), have legal capacity to enter into a contract, and provide accurate information. We may refuse service, close accounts, or cancel orders if information is false, activity is harmful, unlawful, or fraudulent.

4. Use of the oneBanking App
The App provides financial and planning tools and is not a bank account, payment account, or regulated financial service. It does not hold funds, issue credit, or provide investment advice. Features may change without notice. You must use the App lawfully, avoid reverse-engineering or disrupting services, and secure your login. We are not responsible for losses caused by unauthorized access due to your negligence.

5. Merchandise Store Overview
The Store sells physical products via print-on-demand partners: Printful, Printify, and Spreadconnect. Production, fulfilment, and returns are handled by suppliers. Carriers vary by region. One Finance Limited does not store, pack, or ship merchandise.

6. Ordering and Contract Formation
Placing an order constitutes an offer to purchase. We accept only after successful payment and send confirmation. Orders may be cancelled due to unavailability, payment failure, fraud suspicion, or errors in pricing or product description. Refunds are issued upon cancellation.

7. Pricing, Taxes, and Currency
Prices appear in the currency at checkout and may include or exclude VAT depending on location. Prices may change. You are responsible for customs fees, duties, import taxes, and compliance with local regulations.

8. Payment Methods
Payments may be made via credit/debit cards (Shopify Payments), Shop Pay, or PayPal. We do not store payment details. If payment is rejected, the order will not proceed.

9. Shipping, Delivery, and Fulfilment
9.1 Fulfilment: Orders are produced by Printful, Printify, or Spreadconnect. Typical fulfilment is 2–7 business days but may vary by product, demand, or production center.
9.2 Shipping: Carriers include DHL, FedEx, DPD, USPS, Royal Mail, and local postal/regional services. Delivery times are estimates and not guaranteed.
9.3 Delays: We are not responsible for delays caused by customs, carriers, incorrect addresses, weather, force majeure, or supplier issues. We will help coordinate with partners if delays are significant.

10. Returns, Refunds, and Exchanges
10.1 Returns must be requested within 30 days of receipt.
10.2 Returns must be sent to the supplier’s processing center (Printful, Printify, Spreadconnect). Do not send returns to our Malta address.
10.3 Items must be unused, in original condition, and eligible under the supplier’s return policy. Contact us first for correct instructions.
10.4 Non-returnable items include personalized products, custom prints, final sale items, intimate garments, or restricted categories.
10.5 Wrong, damaged, or defective items must be reported within 30 days to support@oneBanking.app for replacement or refund.
10.6 Refunds are issued to the original payment method once the supplier approves the return.

11. Product Information and Restrictions
Product descriptions are based on supplier-provided information. Actual colors, materials, and sizes may vary due to display or production differences. Suppliers may include warnings for safety, age suitability, materials, or hazards.

12. Intellectual Property
All intellectual property, including logos, designs, branding, text, images, software, product designs, and layout, is owned or licensed by One Finance Limited. You may not copy, reproduce, modify, distribute, or commercially use any content.

13. Prohibited Activities
You must not engage in unlawful activity, disrupt systems, bypass security, submit false orders, misuse App features, infringe IP rights, or upload harmful code. We may suspend or terminate accounts.

14. Liability Limitations
To the maximum extent allowed by law, we are not liable for indirect or consequential damages, nor for delays caused by suppliers or carriers. We do not guarantee product accuracy. Our total liability is limited to the amount paid for an order or subscription. Nothing limits liability where prohibited by law.

15. Data Protection and Privacy
Personal data is processed under GDPR, Maltese law, and our Privacy Policy. Rights may be exercised via simon@oneBanking.app.

16. Third-Party Services
We use third-party providers including Shopify, Shopify Payments, PayPal, Printful, Printify, Spreadconnect, carriers, analytics tools, and cookie technologies. We are not responsible for their policies or terms.

17. Account Termination
We may suspend or terminate access due to violations, fraud, legal compliance, or service discontinuation. Termination does not affect obligations accrued before termination.

18. Changes to These Terms
We may update the Terms and update the Effective Date accordingly. Significant changes may be communicated through email or website notices. Continued use constitutes acceptance.

19. Governing Law and Jurisdiction
These Terms are governed by Maltese law. Disputes will be handled by Maltese courts unless EU consumer protection rules apply otherwise. One Finance Limited is a trader under the EU Digital Services Act. No user-generated content is hosted on this store.

20. Contact Information
For support: support@oneBanking.app
For data protection: simon@oneBanking.app
Postal Address: One Finance Limited, Level 3 (Suite No. 3211), Tower Business Centre, Tower Street, Swatar, Birkirkara, BKR 4013, Malta