Terms & Conditions

Welcome to Wintrust Union. By accessing or using our website, mobile applications, and banking services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By creating an account, accessing our platform, or using any of our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions as well as our Privacy Policy.

2. Eligibility

To use our services, you must be at least 18 years old or meet the legal age requirements in your jurisdiction. You must provide accurate and complete information during registration and maintain the accuracy of your account details.

3. Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your username, password, PIN, and any authentication codes. Any activity conducted through your account is your responsibility unless otherwise required by law.

4. Use of Services

You agree to use our services only for lawful purposes and in accordance with all applicable laws and regulations. You may not use our platform to engage in fraud, money laundering, unauthorized transactions, or any illegal activity.

5. Transactions

All transactions initiated through your account are subject to verification, security checks, and applicable banking regulations. We reserve the right to delay, reject, or cancel transactions that appear suspicious or violate legal requirements.

6. Fees and Charges

Certain services may be subject to fees, charges, or commissions. Any applicable fees will be disclosed before the service is provided or transaction is completed.

7. Service Availability

We strive to maintain uninterrupted access to our services; however, we do not guarantee continuous availability. Services may be temporarily unavailable due to maintenance, technical issues, or circumstances beyond our control.

8. Intellectual Property

All content, trademarks, logos, graphics, and materials on this website are the property of Wintrust Union or its licensors and are protected by applicable intellectual property laws.

9. Limitation of Liability

To the fullest extent permitted by law, Wintrust Union shall not be liable for indirect, incidental, special, or consequential damages arising from the use or inability to use our services.

10. Account Suspension or Termination

We reserve the right to suspend, restrict, or terminate accounts that violate these Terms and Conditions, engage in fraudulent activity, or pose a security risk.

11. Amendments

We may update these Terms and Conditions from time to time. Continued use of our services after changes are posted constitutes acceptance of the revised terms.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the applicable laws and regulations governing the operations of Wintrust Union.

13. Contact Information

If you have any questions regarding these Terms and Conditions, please contact us:

Email: support@wintrustcapital.org
Phone: +1 (514) 446-9287
Address: 2750 E Cottonwood Pkwy, Ste 300, Salt Lake City, UT 84121, USA

Effective Date: August 2025