Terms of Service

Effective date: 5 November 2026 · Last updated: 5 November 2026

1. Scope and acceptance

These Terms govern access to and use of TORN Bank Management (TBM), a Discord application. By adding, accessing or using TBM, you agree to these Terms. If you do not agree, do not use the application.

2. Service description

TBM provides Discord-based tools for linking a Discord identity to a TORN player identity, verifying account details through the TORN API, maintaining virtual bank account records, displaying recorded balances, and handling deposit, withdrawal and loan requests. The application may also provide announcements, status information and support workflows.

TBM records and manages virtual banking requests. Cash transfers within TORN are performed manually by authorized bank staff; the bot does not itself execute TORN cash transfers.

3. TORN API keys and permissions

A TORN API key is used to verify the TORN player identity. The bot also makes requests to TORN for money information in banking workflows. A Public Only key may be sufficient for identity verification, but features that retrieve money information require a key with the relevant user:money permission (for example, an appropriately configured Limited Access key or Custom key).

Use the least-privileged key that supports the features you choose to use. Never post your API key in public Discord channels or send it to support staff. The key is stored encrypted in the bot database using Fernet encryption. Encryption does not eliminate all security risks; protection also depends on the operator securely managing the encryption key and hosting environment.

4. User responsibilities

• Only link a TORN account that you own or are authorized to use.
• Provide accurate information and keep your credentials secure.
• Do not exploit, disrupt, reverse-engineer for abuse, or attempt unauthorized access to the service or its data.
• Do not submit API keys, passwords or other authentication secrets in support tickets.
• Comply with Discord's and TORN's applicable terms and policies.

5. Virtual service only; no real-world financial service

TBM is intended for virtual activities in the TORN game. It does not provide real-world banking, payment, investment, deposit-taking or lending services. Balances, interest, loans and transactions recorded by TBM are virtual game-related records and have no representation as real-world money or financial claims.

Users should review requests and records carefully and promptly report discrepancies to the relevant bank staff.

6. Availability and changes

The operator may update, suspend or discontinue features for maintenance, security, operational or other legitimate reasons. Continuous, uninterrupted or error-free availability is not guaranteed. Material changes to these Terms will be reflected on this page with an updated date.

7. Suspension and termination

Access may be restricted or terminated where reasonably necessary because of a breach of these Terms, suspected fraud, abuse, security risks, or misuse of the application. You may stop using TBM and unlink your TORN account at any time using the available bot command.

8. Disclaimers and liability

The service is provided on an availability basis. To the extent permitted by applicable law, the operator is not responsible for outages or errors caused by Discord, TORN, hosting providers, network services or other third parties, or for losses resulting from inaccurate information supplied by users or unauthorized disclosure of credentials by users.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law. In particular, mandatory statutory rights and liability for intent, gross negligence, injury to life, body or health, and other non-excludable liability remain unaffected.

9. Third-party services and affiliation

TBM depends on Discord and the TORN API. Their services are subject to their own terms and privacy policies. TBM is independent and is not officially affiliated with, endorsed by, or operated by Discord or TORN. Third-party names and trademarks belong to their respective owners.

10. Contact

Questions about these Terms can be sent by email to xzerloxyt@gmail.com. You may also contact the operator through the Discord account Zerlox (User ID 247106624458719232), provided direct messages are enabled.