1. Account Access and Passwords: Customers should be informed of their responsibilities for maintaining the security of their account access and passwords. This can include requirements for strong passwords and regular password updates.
2. Transaction Monitoring: The company should monitor customer transactions for signs of fraud or other unauthorized activity, and take appropriate measures to prevent such activity.
3. Customer Verification: The company should verify customer identities through reliable means such as government-issued identification documents, and use such information only for the purposes of opening and maintaining customer accounts.
4. Disclosure of Information: The company should disclose customer information only as required by law or with the customer's consent. It should also have processes in place to ensure that customer data is accurate and up-to-date.
5. Fees and Charges: The company should clearly disclose all fees and charges associated with its products and services, and provide customers with transparent information on any interest rates, penalties, or other costs that may apply.
6. Governing Law: The terms and conditions should specify the governing law that applies to the agreement, and provide customers with information on their rights and responsibilities under such law.

By implementing these terms and conditions, a company providing financial products can help ensure that customer data is kept secure and confidential, which can help build trust and enhance customer loyalty over the long term.