These Terms of Service govern your access to and use of all banking products, financial services, digital platforms, and related services offered by ContraCargo. Please read them carefully before opening an account or using any of our services.
By opening an account, accessing our website, mobile application, internet banking platform, or using any service provided by ContraCargo, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service, our Privacy Policy, and any additional agreements applicable to specific products or services.
If you do not agree with any provision contained herein, you must discontinue the use of our services immediately.
To open and maintain an account with ContraCargo, you agree that you will:
We reserve the right to decline, suspend, restrict, or terminate any account application that does not satisfy our verification, compliance, or risk assessment requirements.
As a customer, you agree to:
ContraCargo is an international financial institution providing banking and financial services across eligible jurisdictions, including but not limited to:
Service availability may vary depending on your country of residence, regulatory requirements, and applicable banking laws.
ContraCargo provide personal, business, consumer, or other credit facilities to eligible customers, subject to applicable laws, internal lending policies, credit assessment, and approval requirements.
Loan facilities are available only to customers who satisfy the applicable eligibility, identity verification, credit assessment, affordability, and compliance requirements established by ContraCargo.
Meeting the basic eligibility requirements does not guarantee that a loan application will be approved. We reserve the right to approve, decline, reduce, or modify any loan request based on our assessment of the applicant's financial circumstances, creditworthiness, repayment capacity, risk profile, and applicable regulatory requirements.
Customers applying for a loan must provide accurate, complete, and verifiable information and any documents reasonably required for the assessment of the application.
Providing false, misleading, incomplete, or fraudulent information may result in the rejection of the application, cancellation of an approved facility, suspension of the customer's account, or other action permitted by law.
By submitting a loan application, the customer authorizes ContraCargo, where legally permitted, to conduct appropriate identity, financial, credit, affordability, fraud, compliance, and risk assessments in connection with the application and ongoing loan relationship.
We may request additional information or supporting documentation before making a lending decision.
A loan is not considered approved until ContraCargo has completed its required assessment and formally communicated the approval and applicable loan terms to the customer.
Approved loan amounts may be different from the amount initially requested. The final approved amount, applicable interest rate, repayment period, fees, charges, and other conditions will be determined in accordance with the applicable loan agreement.
Loan funds will only be disbursed after all applicable approval, documentation, verification, and compliance requirements have been satisfied.
Loans may be subject to interest, administrative fees, processing charges, applicable taxes, regulatory levies, late-payment charges, or other costs disclosed in the relevant loan agreement or applicable fee schedule.
The customer agrees to pay all amounts due under the applicable loan agreement in accordance with the agreed repayment schedule.
The customer is responsible for making all loan repayments on or before the applicable due dates. Repayments may include principal, interest, fees, and other applicable charges.
Customers must ensure that sufficient funds are available through the agreed repayment method when payments become due.
Failure to make a required payment by its due date may constitute a late payment or default under the applicable loan agreement.
Where permitted by applicable law and the relevant loan agreement, ContraCargo may apply applicable late-payment charges, suspend access to additional credit facilities, require immediate payment of amounts that have become due, or take other lawful recovery measures.
If a customer defaults on a loan, ContraCargo may, subject to applicable law and the terms of the relevant loan agreement, take reasonable steps to recover outstanding amounts.
Such actions may include contacting the customer, issuing payment reminders or notices, restricting additional borrowing, engaging authorized collection agents, reporting applicable information to authorized credit reporting agencies, or pursuing lawful recovery proceedings.
Certain loan facilities may require collateral, guarantees, security, or other forms of credit support. Where applicable, the customer's rights and obligations relating to such security will be governed by the relevant loan agreement and applicable law.
Failure to satisfy repayment obligations may result in enforcement against pledged security or collateral where permitted by law and the applicable agreement.
Customers may request to repay all or part of an outstanding loan before the scheduled maturity date, subject to the terms of the applicable loan agreement and any legally permitted early repayment fees or charges.
Any modification, restructuring, refinancing, extension, or other change to an existing loan facility must be approved by ContraCargo and may be subject to additional documentation, assessment, fees, and applicable regulatory requirements.
ContraCargo may suspend, reduce, cancel, or decline further access to credit facilities where permitted by law, including where there is evidence of fraud, material changes in financial circumstances, inaccurate information, missed repayments, breach of the loan agreement, compliance concerns, or other material risk.
By accepting a loan facility, the customer confirms that they have reviewed and accepted the specific loan agreement, repayment schedule, applicable interest, fees, charges, and other conditions associated with the facility.
In the event of any conflict between these general Terms of Service and a specific loan agreement, the terms of the applicable loan agreement will govern the particular loan facility to the extent permitted by applicable law.
All transactions are subject to verification, fraud prevention, compliance screening, and regulatory approval where applicable and it is one after the order.
Where a transaction fails due to technical issues attributable to our systems, any applicable debit and eligible service charge will ordinarily be reversed to the customer's account after successful internal review, subject to applicable banking procedures and regulatory requirements.
Certain banking services may attract transaction fees, maintenance charges, currency conversion fees, processing charges, regulatory levies, or other applicable service fees.
By using our services, you authorize us to settle all applicable fees where permitted by law and the applicable account agreement.
All fees remain subject to change. Updated fee schedules may be published on our website or communicated through official customer channels.
Customers are expected to maintain reasonable activity on their accounts and respond promptly to requests relating to pending transactions or compliance reviews.
Where an account remains inactive for an extended period, particularly where there are pending transactions, unresolved verification requirements, compliance reviews, or customer action is required, ContraCargo may temporarily restrict or place the account into an inactive status as a security and regulatory measure.
To restore full account functionality, customers may be required to contact our Customer Support team, complete identity verification, provide supporting documentation, and comply with service charge of 150 US dollar and additional security procedures.
Where permitted by applicable law and disclosed in our fee schedule, account reactivation, administrative processing, compliance review, or other related services may be subject to reasonable service or administrative fees.
Protecting customer assets is one of our highest priorities. Consequently, we reserve the right to:
We collect, process, store, and protect personal information in accordance with applicable privacy and data protection laws.
By using our services, you consent to the collection and processing of your information for identity verification, fraud prevention, regulatory compliance, service improvement, and customer support.
You agree to receive statements, notices, security alerts, transaction confirmations, disclosures, and other communications electronically via email, SMS, mobile application notifications, internet banking, or other approved communication channels.
As an international banking institution, ContraCargo complies with applicable anti-money laundering (AML), counter-terrorist financing (CTF), sanctions, Know Your Customer (KYC), and other international regulatory obligations.
Customers agree to cooperate with any reasonable request for documentation or information required for regulatory compliance.
We reserve the right to suspend, restrict, freeze, or permanently terminate any account where:
All trademarks, logos, software, website content, branding, graphics, and intellectual property associated with ContraCargo remain our exclusive property and may not be copied, reproduced, or distributed without prior written permission.
While we strive to provide uninterrupted services, we cannot guarantee continuous availability due to scheduled maintenance, technical issues, third-party service providers, force majeure events, or regulatory requirements.
To the maximum extent permitted by law, ContraCargo shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from the use or inability to use our services.
We may amend these Terms of Service from time to time to reflect changes in law, technology, business practices, or regulatory requirements. Continued use of our services after such changes constitutes acceptance of the revised Terms.
These Terms shall be governed by and interpreted in accordance with the laws applicable in the jurisdiction where the relevant banking relationship is maintained, together with applicable international banking regulations and regulatory obligations.
If you have any questions concerning these Terms of Service or require assistance regarding your account, please contact us:
Email: info@meridiancapitalbank.com
WhatsApp Line: +44 7529 734019
Website: https://meridiancapitalbank.com
International Banking Services: Customer assistance available worldwide through our secure online banking platform.
Last Updated: August 12th 2026.
By continuing to access or use any service provided by ContraCargo, you acknowledge that you have read, understood, and agreed to these Terms of Service.