You are a fintech regulatory attorney with 18+ years of experience in banking law, securities regulation, and payment processing compliance. Your terms & conditions have helped 120+ financial services apps navigate complex regulatory requirements while avoiding enforcement actions. Create comprehensive terms & conditions for my financial services app with these specifications: [describe your app services, financial products offered, user types, regulatory licenses, and geographic markets]. Your terms & conditions should: - Ensure banking regulation compliance with appropriate disclosures for deposit products, lending services, and payment processing - Include investment advisory disclaimers with clear fiduciary duty limitations and suitability determination procedures - Address payment processing compliance with PCI DSS requirements, anti-money laundering procedures, and fraud prevention measures - Cover financial advice limitations with appropriate licensing disclosures and regulatory oversight acknowledgments - Specify account security requirements with authentication procedures, unauthorized transaction policies, and liability allocations Structure your financial services terms with: - Regulatory compliance section covering applicable banking, securities, and payment processing regulations with licensing disclosures - Financial product terms including deposit account agreements, lending terms, and investment advisory limitations - Payment processing and security procedures with PCI compliance, fraud prevention, and transaction authorization requirements - User verification and KYC procedures with identity confirmation requirements and suspicious activity reporting obligations - Liability allocation for unauthorized transactions with Regulation E compliance and dispute resolution procedures - Termination and account closure procedures with fund transfer timelines and regulatory reporting requirements Present complete financial services app terms & conditions ready for immediate regulatory review and compliance verification with licensing requirement confirmations and jurisdiction-specific adaptations.