Last Updated: [1.18.2026]
These Terms of Service (“Terms”) govern your access to and use of the websites, platforms, products, and services provided by Pacific Holding/Investment and Pacific Banking (“Pacific Inc,” “we,” “our,” or “us”). By accessing or using our services, you agree to be bound by these Terms. If you do not agree, you may not use our services.
Pacific provides financial services through two primary divisions:
Pacific Holding — Asset management, wealth advisory, and portfolio services.
Pacific Banking — Investment banking, loan products, digital banking tools, and related financial solutions.
Your use of any service is subject to these Terms and any additional agreements specific to the product you enroll in.
You must be at least 18 years old and legally capable of entering into binding agreements to use our services. By using our platforms, you represent that all information you provide is accurate and complete.
To access certain services, you may be required to create an account. You agree to provide accurate and up‑to‑date information, maintain the confidentiality of your login credentials, and notify us immediately of any unauthorized access or security breach. You are responsible for all activities conducted under your account.
Financial services involve inherent risks. By using our investment, asset management, or loan products, you acknowledge that investments may rise or fall in value, past performance does not guarantee future results, loan approvals are subject to credit evaluation and compliance checks, and we do not guarantee profits, returns, or specific financial outcomes. You agree to review all product‑specific disclosures before participating.
You agree not to use our services for unlawful, fraudulent, or abusive purposes; attempt to breach or bypass security systems; misrepresent your identity or financial information; interfere with the operation of our websites or platforms; or engage in money laundering, terrorist financing, or prohibited transactions. We reserve the right to suspend or terminate accounts involved in prohibited activity.
Certain services may include fees, interest rates, or transaction charges. All applicable fees will be disclosed prior to use. By using our services, you authorize us to process payments and charges associated with your account.
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information. By using our services, you consent to the data practices described in the Privacy Policy.
All content, branding, technology, and materials on our websites are owned by Pacific or licensed to us. You may not copy, modify, distribute, or use our intellectual property without our prior written permission.
Our platforms may integrate with third‑party tools, payment processors, or financial partners. We are not responsible for the content, policies, or performance of third‑party services. Your use of such services is at your own risk.
We strive to maintain continuous access to our platforms but do not guarantee uninterrupted service. We may modify, suspend, or discontinue features at any time for maintenance, upgrades, or security reasons.
To the fullest extent permitted by law, Pacific is not liable for indirect, incidental, or consequential damages. We are not responsible for losses resulting from market fluctuations, system outages, or unauthorized account access. Our total liability for any claim will not exceed the amount you paid for the service in question. Some jurisdictions may not allow certain limitations, so these may not apply to you.
You agree to indemnify and hold Pacific harmless from any claims, damages, losses, or expenses arising from your misuse of our services or violation of these Terms.
We may suspend or terminate your access to our services at any time if you violate these Terms, if we detect suspicious or unlawful activity, or if required by law or regulatory authorities. You may also close your account at any time by contacting us.
We may update these Terms periodically. Continued use of our services after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of Texas, without regard to conflict‑of‑law principles. Any disputes will be resolved in the courts located in Dallas County, Texas.
For questions or support, contact us at:
Email: contact@pacific-banking.com
Phone:
Address: United Kingdom | France | Asia | Africa