Terms of Service

Nexa Capital, or NCNC — a stand-in in this document for Nexa Capital.(1)NC — a stand-in in this document for Nexa Capital., is a nonprofit organization that exists to provide reliable financial services, and new and exciting experiences to CivMC players. Our goal is to design services that benefit customers, NCNC — a stand-in in this document for Nexa Capital., and the server community alike — built on trust, transparency, and mutual benefit. With our financial services as our backbone, NCNC — a stand-in in this document for Nexa Capital. will continue to develop and employ both business and entertainment venues to provide increasingly valuable services for our customers.

Any terms of service changes, positive or negative that may affect existing accounts as they stand (i.e, changes to existing frameworks, interest, fees, etc.), will be made one calendar month after notifying account holders through the NC discord, a direct message from the bot, and an on-site notification (subject to your notification preferences). An additional notification will be given one calendar week prior to the change taking place.

Account holders that are affected by the aforementioned policy changes will have this month-period to either accept the policy changes, or close their account. Accounts that fail to do either when the update occurs will be “grandfatheredGrandfathered — describes the temporary state of an account that is unaffected by a recent policy change. While grandfathered, no new positive or negative terms apply (save for inactivity fees, see section 10) until the account holder either accepts or declines the policy update. This protects customers who haven't had a chance to respond to a change, and prevents customers who might GTS from benefiting from updates they haven't agreed to.”(7)Grandfathered — describes the temporary state of an account that is unaffected by a recent policy change. While grandfathered, no new positive or negative terms apply (save for inactivity fees, see section 10) until the account holder either accepts or declines the policy update. This protects customers who haven't had a chance to respond to a change, and prevents customers who might GTS from benefiting from updates they haven't agreed to.. A grandfatheredGrandfathered — describes the temporary state of an account that is unaffected by a recent policy change. While grandfathered, no new positive or negative terms apply (save for inactivity fees, see section 10) until the account holder either accepts or declines the policy update. This protects customers who haven't had a chance to respond to a change, and prevents customers who might GTS from benefiting from updates they haven't agreed to. account will be placed in a state in which nothing (save for inactivity fees, see section 10) will apply to the account. When the owner of a grandfatheredGrandfathered — describes the temporary state of an account that is unaffected by a recent policy change. While grandfathered, no new positive or negative terms apply (save for inactivity fees, see section 10) until the account holder either accepts or declines the policy update. This protects customers who haven't had a chance to respond to a change, and prevents customers who might GTS from benefiting from updates they haven't agreed to. account eventually accepts or declines the policy changes, their account will no longer be grandfatheredGrandfathered — describes the temporary state of an account that is unaffected by a recent policy change. While grandfathered, no new positive or negative terms apply (save for inactivity fees, see section 10) until the account holder either accepts or declines the policy update. This protects customers who haven't had a chance to respond to a change, and prevents customers who might GTS from benefiting from updates they haven't agreed to.. In this manner, negative changes will not affect those who have not had a choice in the manner, and positive changes will not apply to those who may seek to harm NCNC — a stand-in in this document for Nexa Capital. or its customers through GTSGTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers.(2)GTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers..

New services that in no way affect existing frameworks may be deployed prior to that month period, though will always be announced, and will have new policy sections listed in this documentation, and engagement in those services will render users bound to the updated contract regarding the new services.

Accounts are opened by registering on the website using your Discord account — the bot's account-creation command on the Nexa Capital discord server (https://discord.gg/5UkYyDKcQt) will walk you through it. After registering and verifying your in-game (Minecraft) account through the NC discord, an NCNC — a stand-in in this document for Nexa Capital. teller will open your personal account and link it to your profile. This applies to personal accounts, which are required before making additional account types, see section 4. Once your account is open, you may use the site or the NC discord to access the rest of NCNC — a stand-in in this document for Nexa Capital.'s services.

After creating a personal account the customer will be given two account subtypes:

• Savings accounts accrue interest see section 8 based on the funds held inside of both itself and the checking account. Savings accounts may only transfer funds to a linked checking account, and may only receive funds via a deposit or linked checking account.
• Checking accounts are used to transfer currencies between personal, business, and guild accounts.

Once a personal account has been created, a request to create a business or guild account may be made with any NCNC — a stand-in in this document for Nexa Capital. teller — as a walk-inWalk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results. at an NCNC — a stand-in in this document for Nexa Capital. establishment or through the NC discord. Business accounts will require a business name, business headquarters, and business type. On a case by case basis, NCNC — a stand-in in this document for Nexa Capital. may inquire for additional information before the account is created, such as verification of business ownership, proof of headquarters, etc. Guild accounts will require a guild name, guild location, and guild mission. On a case by case basis, NCNC — a stand-in in this document for Nexa Capital. may inquire for additional information before the account is created, such as verification of guild ownership, proof of location, etc. A business account and guild account are mutually exclusive, and a customer may only possess one of these accounts at the same time.

• Business accounts do not accrue interest (see section 8) but benefit by being able to receive transfers (see section 7) from customer's personal accounts free of charge. This allows for financially viable digital transactions with other customers.
• Guild accounts, designed for large organizations or nations, do not accrue interest (see section 8), though benefit by being able to receive transfers (see section 7) from business accounts free of charge. This allows nations or other large organizations to do business with businesses and companies, digitally, and with little cost.

Depending on the account type, accounts may have multiple users with varying levels of access to the account, based on the roles given to said users. The same roles apply to all account types (checking, savings, business, and guild).

Co-signingCo-signer — a second customer who pledges escrow collateral on another customer's loan. The escrowed amount is held from the co-signer's account until the loan is paid in full (then returned to the co-signer) or the loan defaults (then paid out to NC). Co-signing is a per-loan arrangement, distinct from the account-access roles in section 4. for loans is a separate, loan-specific arrangement described in section 9, not an account-access role.

Deposits can be made at NCNC — a stand-in in this document for Nexa Capital. establishments or at dedicated drop chests, or DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12.(3)DDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12., per customer request. Request a deposit on the website, or make a walk-inWalk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results.(4)Walk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results.. The request is marked as pending and then fulfilled or rejected by management, to assist in auditing and security.

In the event a deposit is accepted, the account's funds will be made visibly accessible to the customer's account. In the event of a denial, an investigation involving the denial will take place, and affected accounts will be refunded their deposit in full. Denials will only ever happen if a mistake was made on behalf of the staff handling the deposit.

Frequent (per the discretion of management) deposits requested by the customer digitally, that do not match the deposited currency physically, will result in an account being grandfatheredGrandfathered — describes the temporary state of an account that is unaffected by a recent policy change. While grandfathered, no new positive or negative terms apply (save for inactivity fees, see section 10) until the account holder either accepts or declines the policy update. This protects customers who haven't had a chance to respond to a change, and prevents customers who might GTS from benefiting from updates they haven't agreed to., until a conversation may be had with the account holder to determine intent, so as to avoid customers GTSGTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers..

Withdrawals from an account can be made at NCNC — a stand-in in this document for Nexa Capital. establishments or at DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12., requested on the website, or as walk-insWalk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results.. Withdrawals are defined through NCNC — a stand-in in this document for Nexa Capital. as any funds moving out of the customer's account, either through physical withdrawals or transfers. Physical withdrawal requests over 2500 diamonds may take up to twenty-four hours to be completed. Withdrawals of any amount may be subject to denial if the withdrawn fund request is greater than the account's balance.

Accepted withdrawals are subject to a tiered fee that resets on a rolling time window. The first transaction in each window is free; subsequent transactions within the time window incur a linear fee. Each withdrawal made per 24 hours past the first, incurs additionally 5% per withdrawal. Fees are calculated as a percentage of the amount being withdrawn, rounded up to the nearest diamond. The fee is deducted from the source account in addition to the requested amount. The window is rolling, not calendar-based: a withdrawal made 23 hours ago still counts toward the account's current window. Transfers follow the separate fee schedule in section 7.

Transfers between accounts can be made at NCNC — a stand-in in this document for Nexa Capital. establishments via walk-insWalk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results. only, or through the site. Transfers can be made through customers' checkings/savings accounts, between independent personal accounts, and business/guild accounts. Transfers may be automatically declined by NCNC — a stand-in in this document for Nexa Capital. if the transfer and any fees are greater than the account's balance. Transfers may incur fees based on the following:

• Transfers between personal accounts will incur a 0.5% fee from both accounts.
• Transfers between business accounts will incur a 0.5% fee from the sender only.
• Transfers between guild accounts will incur a 0.5% fee from the sender only.
• Transfers from a personal to a business account will incur a 0.5% fee from the personal account only.
• Transfers from a business to a guild account will incur a 0.5% fee from the business account only.
• Transfers from a guild to a personal account will incur a 0.5% fee from the guild account only.
• Transfers from a personal to a guild account will incur a 0.5% fee from both accounts.
• Transfers from a business to a personal account will incur a 0.5% fee from both accounts.
• Transfers from a guild to a business account will incur a 0.5% fee from both accounts.
• Transfers between interpersonal account subtypes are always free. I.e Checkings Account > Savings Account (or vice versa) within the same account.

Currency transfers will be escrowedEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation.(5)Escrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. until the recipient accepts or declines the transfer. A declined transfer will render the sender's funds returned to the sender's account, free of charge. Any fees charged from the transfer process will be rounded up to the nearest diamond.

Interest will be applied to personal accounts and pays out to the customer's savings account. Interest starts at 3% at 1 diamond, and scales roughly to 0.25% at 20,000 diamonds (combined checking and savings balance). Interest is calculated and paid out on the 15th of every month. Interest payouts are rounded down to the nearest diamond.

Loans will be available for all account types, though how they function for each will be different. Loans may be requested via either the site (from any of your personal accounts), or during a walk-inWalk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results. at an NCNC — a stand-in in this document for Nexa Capital. establishment.

Personal loans

For personal accounts, a personal loan may be requested. It is important to note that these may be declined for any reason. Both the maximum fund requested for a loan, and the collateral required to insure NCNC — a stand-in in this document for Nexa Capital. will be based upon the rolling SLASLA — a stand-in for Standard Loan Amount, describes an unfixed, fluctuating value by which the maximum value for a loan may be found, when compared against a customer's credit score. This value will change often, to allow the continued availability of loans within the budget that NC has set aside for them.(6)SLA — a stand-in for Standard Loan Amount, describes an unfixed, fluctuating value by which the maximum value for a loan may be found, when compared against a customer's credit score. This value will change often, to allow the continued availability of loans within the budget that NC has set aside for them. (currently 5,000 diamonds), against the customer's credit score. On account creation, a personal account will have a credit score of 500. An account's credit score cannot exceed 1000, or go below 0. Past account creation, credit score will be impacted using the following formulae:

• Paying back a loan: Min(50, 10 + (x / 4)) where x is the value of the loan.
• Defaulting on a loan: Max(-200, -25 - (x / 2)) where x is the value of the loan.

Credit brackets and how they affect the customer's loan request potentials and collateral requirements are as follows:

Personal loans are subject to varying interest rates depending on the loan term requested:

• 1-Month loan terms — weekly interest rate of 4%
• 2-Month loan terms — weekly interest rate of 3.5%
• 3-Month loan terms — weekly interest rate of 3%

Interest compounds weekly and is fixed at origination: the total to repay is calculated up front and you repay the principal plus the full-term interest by the deadline (partial repayments are welcome any time). The total to repay and the required collateral are shown before you submit a request.

Business / Guild advanced loans

For business/guild accounts, an advanced loan may be requested. It is important to note that these may be declined for any reason. Due to the varying nature present in businesses and guilds, advanced loans will be handled on a case by case basis with Nexa management, but will often have a higher SLASLA — a stand-in for Standard Loan Amount, describes an unfixed, fluctuating value by which the maximum value for a loan may be found, when compared against a customer's credit score. This value will change often, to allow the continued availability of loans within the budget that NC has set aside for them., and, subsequently, higher interest rates and/or collateral requirements.

Collateral

The required collateral is a percentage of the total amount due (principal plus full-term interest), set by your credit bracket above. You may combine any of the following sources, allocating an amount to each, so long as the combined value covers the requirement:

• Material goods. Physical items described and valued by you, and delivered to and verified by NCNC — a stand-in in this document for Nexa Capital. staff before the loan is approved. If the goods are not received, the request is declined. On default, NCNC — a stand-in in this document for Nexa Capital. keeps the goods.
• EscrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. collateral. Diamonds escrowedEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. from your account and held until the loan is paid off (then returned), or the loan's payment time expires (then paid out to NCNC — a stand-in in this document for Nexa Capital.).
• Co-signerCo-signer — a second customer who pledges escrow collateral on another customer's loan. The escrowed amount is held from the co-signer's account until the loan is paid in full (then returned to the co-signer) or the loan defaults (then paid out to NC). Co-signing is a per-loan arrangement, distinct from the account-access roles in section 4.(8)Co-signer — a second customer who pledges escrow collateral on another customer's loan. The escrowed amount is held from the co-signer's account until the loan is paid in full (then returned to the co-signer) or the loan defaults (then paid out to NC). Co-signing is a per-loan arrangement, distinct from the account-access roles in section 4. escrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. collateral. A co-signerCo-signer — a second customer who pledges escrow collateral on another customer's loan. The escrowed amount is held from the co-signer's account until the loan is paid in full (then returned to the co-signer) or the loan defaults (then paid out to NC). Co-signing is a per-loan arrangement, distinct from the account-access roles in section 4. pledges escrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. from their account. The co-signerCo-signer — a second customer who pledges escrow collateral on another customer's loan. The escrowed amount is held from the co-signer's account until the loan is paid in full (then returned to the co-signer) or the loan defaults (then paid out to NC). Co-signing is a per-loan arrangement, distinct from the account-access roles in section 4. is notified with the loan requester and the amount they would escrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation., and must accept before the loan is approved; the pledge is returned on repayment or paid out to NCNC — a stand-in in this document for Nexa Capital. on default.

Loan deadline notifications will be pushed one month, and one week in advance via a direct message from our bot and a notification on our site.

To assist in the prevention of GTSGTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers., account inactivity will be met with fees past 30 days with no deposits or physical withdrawals see section 6. From this point until either a deposit or physical withdrawal is accepted, a weekly fee of 2% of the customer's account balance will be withdrawn from the customer's account.

Any fees from this process will round up to the nearest diamond. Accounts will never go below 0 through inactivity fees.

For a customer to close an account, an account closure request must be made on the website. Account closure requests are only subject to denial if the account has funds in escrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation., an outstanding loan, or if a personal account is requested to be closed while a business/guild account is still active under the same owner. Following the acceptance of a closure request, the full amount of an account's funds will be withdrawn and given to the customer, following any applicable withdrawal fees see section 6. Accounts may be made again at any time, following the completion of this procedure.

Dedicated drop chests may be utilized by all customers, and are limited to three per customer (across held accounts). Structures surrounding DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. may be namelayeredNamelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location.(9)Namelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location. however the customer wishes, though anything that provides access to the DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. within a structure, and the DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. itself must be namelayeredNamelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location. with a provided NCNC — a stand-in in this document for Nexa Capital. namelayerNamelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location.. NCNC — a stand-in in this document for Nexa Capital. namelayersNamelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location. for DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. will be dedicated for DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12., and split into groupings. No staff member below management will ever have access to every namelayerNamelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location.. DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. locations will only be available to tellers assigned to the namelayerNamelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location. assigned to the DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12.. DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. locations must be snitchedSnitch — a Citadel-mod block on CivMC that logs entry into a defined area to a notification group. NC requires DDC locations to be snitched so staff can audit physical access for account security and detect tampering.(10)Snitch — a Citadel-mod block on CivMC that logs entry into a defined area to a notification group. NC requires DDC locations to be snitched so staff can audit physical access for account security and detect tampering. with this namelayerNamelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location. as well, for staff auditing and account security.

DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. may be used for handling physical deposits and withdrawals see sections 5, 6. DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. deposits and withdrawals may take much longer to process, considering the time required to travel. DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. requests will be handled by NCNC — a stand-in in this document for Nexa Capital. on a first come – first serve basis, after any walk-insWalk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results., establishment transactions, etc. are handled. This means that DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. transactions could potentially take days to complete, and are only recommended for customers who would like the convenience of not having to travel.

Costs for DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. registration and use are as follows:

Monthly fees do not stack — your fee is based only on your highest-tier DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12., never the sum of every DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. you hold. When you add a higher tier, your fee is raised from the previous amount to the new amount rather than charged on top of it. Fees are deducted automatically from your checking account on the first of every month. If your account cannot cover the fee when a deduction is attempted, billing is paused and the unpaid fee must be settled before you can continue using your DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12..

Account security is the primary concern of NCNC — a stand-in in this document for Nexa Capital.. NCNC — a stand-in in this document for Nexa Capital. suggests several important security measures that customers may employ to assist in securing their accounts.

• Customers should only share discord logins, or account access through the site, with extremely trusted individuals.
• Customers should only role other customers on their accounts up to the level of access they should be trusted to hold.
• Customers should take care with whom they co-signCo-signer — a second customer who pledges escrow collateral on another customer's loan. The escrowed amount is held from the co-signer's account until the loan is paid in full (then returned to the co-signer) or the loan defaults (then paid out to NC). Co-signing is a per-loan arrangement, distinct from the account-access roles in section 4. for.
• Customers should not opt into having a public account unless devoid or unconcerned of potential political, relational, or other ramifications.
• Customers should not share the location of DDCDDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12. with customers that are not trusted.
• Customers should not share sensitive information regarding their accounts in any way not previously mentioned with customers that are not trusted.
• Customers should immediately make known any potentially suspicious behavior, whether from NCNC — a stand-in in this document for Nexa Capital. or other customers, to NCNC — a stand-in in this document for Nexa Capital. management.

Additionally, NCNC — a stand-in in this document for Nexa Capital. provides a plethora of security measures to protect customer's accounts including, but not limited to:

• Extensive audit systems, both digital and physical, for monitoring the movement of funds from NCNC — a stand-in in this document for Nexa Capital. and customers. This includes mods for NCNC — a stand-in in this document for Nexa Capital.'s teller staff, checks on the bot, site, and database, safe drops for tellers, and more.
• A clean and easily monitored database, separate from the bot or the site.
• A robust backup system in the event of the compromise of the database, bot, site, or all of the above.
• 100% account holdings, ensuring that all funds are available to be withdrawn in the event of any catastrophic issue.
• A fully diamond reinforced vault.
• Documentation for the handling of a power transition in the event that management can no longer fulfill their roles.
• Minimum 150% separately secured insurance fund in the event of a robbery.
• Several proprietary bunker-separate account holdings storage methods.
• A guarantee of military protection from any host nation.

A bounty is a reward, posted by a customer (the “poster”) and held in escrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. by NCNC — a stand-in in this document for Nexa Capital., payable to whoever fulfills the bounty's stated condition (the “hunter”). Bounties are posted and managed on the website; the reward is moved into escrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. at the moment the bounty is posted.

Posting a bounty carries non-refundable fees, charged on top of the reward at posting time:

• A service fee of 2% of the reward.
• A surcharge of 5% if the bounty requires the target to be pearled (to cover pearl handling and custody).
• A surcharge of 1% if the bounty is posted anonymously.
• A duration surcharge of 1% of the reward per expiry tier — the longer the bounty stays open (1, 3, 7, 14, or 30 days), the higher the fee.

The reward itself is held in escrowEscrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation.(5)Escrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation. and is refunded in full if the bounty expires unclaimed or is cancelled; the posting fees above are never refunded. Cancelling a bounty is free within the first 24 hours of posting; after that a cancellation fee of 1% of the reward applies. A bounty cannot be cancelled while a claim is under review.

Claims are reviewed before the reward is released, and NCNC — a stand-in in this document for Nexa Capital. is available to mediate disputes. NCNC — a stand-in in this document for Nexa Capital. reserves the right to reject claims that do not meet the stated condition and to remove bounties that violate these Terms, Discord's rules, or CivMC's rules. Posting anonymously hides the poster's identity from the public board, but never from NCNC — a stand-in in this document for Nexa Capital..

A charity is a public, transparent fund held at NCNC — a stand-in in this document for Nexa Capital. for a community cause. Anyone may view a charity's balance and its complete transaction history, and anyone may donate to it.

To protect donors, charity funds are handled differently from ordinary accounts:

• Donations are voluntary, fee-free, and non-refundable once made.
• The charity's balance and full ledger — every donation in, and every payout out with a note describing where it went — are public.
• Funds may only be withdrawn by an NCNC — a stand-in in this document for Nexa Capital. teller, and every withdrawal must carry a note documenting its purpose. The charity's organizer cannot withdraw funds.

NCNC — a stand-in in this document for Nexa Capital. acts as a transparent custodian of charity funds, not as a guarantor of any particular outcome, and does not endorse individual charities. NCNC — a stand-in in this document for Nexa Capital. reserves the right to refuse, suspend, or close a charity — returning or redirecting its balance as appropriate — where it is used for fraud, GTSGTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers.(2)GTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers., or any purpose that violates these Terms, Discord's rules, or CivMC's rules.

NCNC — a stand-in in this document for Nexa Capital. offers games of chance (the “Casino”) purely for entertainment. Casino games are gambling: outcomes are random, the odds favor the house, and over time players should expect to lose more than they win. The Casino is not a savings, investment, or income service and must never be treated as one.

• All bets are final — once placed, a wager cannot be reversed, and bets and outcomes are non-refundable.
• Wagers are subject to minimum and maximum limits set by NCNC — a stand-in in this document for Nexa Capital. (currently 1–64 diamonds for slots), which NCNC — a stand-in in this document for Nexa Capital. may change at any time.
• Payouts are made from NCNC — a stand-in in this document for Nexa Capital.'s casino bankroll. NCNC — a stand-in in this document for Nexa Capital. may pause a game, decline or limit a wager, or close the Casino at any time — including when the bankroll cannot cover a potential payout.
• Outcomes are determined by a random number generator operated by NCNC — a stand-in in this document for Nexa Capital.. NCNC — a stand-in in this document for Nexa Capital. commits to the odds published in each game's paytable and intends to add provably-fair verification in the future.
• NCNC — a stand-in in this document for Nexa Capital. may set per-player wager limits, suspend, or exclude any player at its discretion — including for suspected abuse, collusion, or GTSGTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers.(2)GTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers., or at a player's own request.

Please gamble responsibly, and only with diamonds you can afford to lose.

Customers may donate diamonds directly to Nexa Capital — supporting the bank's operations and the services it provides — or to any charity (see section 15). All donations are voluntary, fee-free, and non-refundable once made. Donating does not purchase any good, service, account benefit, or expectation of return.

This Privacy Policy explains how Nexa Capital (“NCNC — a stand-in in this document for Nexa Capital.,” “we,” “us,” or “our”) collects, uses, and protects your information when you use our website dashboard and Discord-linked financial services.

Our services are entirely intended for use within the context of the in-game economy of the CivMC Minecraft server. We do not handle real-world currency, financial assets, or sensitive personal data.

1. Information We Collect

To provide automated in-game banking services, we limit our data collection to the absolute minimum required to authenticate your account and track your in-game balances.

• Discord Authentication Data: When you log in to our site using Discord OAuth2, we request only theidentifyscope. This provides us with your unique Discord Snowflake ID, your current username, and your profile avatar. We do not request or collect your email address.
• In-Game Data: We collect and store data related to your Minecraft account, including your Minecraft Username (IGN), and your unique Minecraft UUID.

2. How We Use Your Information

The data collected is used solely to maintain the integrity and functionality of the in-game banking system:

• To securely log you into your personalized web dashboard.
• To accurately track, display, and update your in-game currency balances, interest payouts, and credit scores.
• To process automated loan requests, collateral calculations, and transfer logs.
• To audit bank records and protect the system against exploits, loops, or actions deemed to be “Gaming The System” (GTSGTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers.).
• To only, in any other way, hold all parties accountable and provide access to the contents of this document.

3. Data Retention and Security

• Data Security: Your data is tied to your unique Discord and Minecraft identifiers. Account access is secured via Discord's official OAuth2 protocol, meaning we never see or store your Discord password.
• No Real-World Data: We do not collect, request, or store real-world names, physical addresses, bank account numbers, credit card details, or any other real-life personally identifiable information (PII).
• Account Closure: If you request account closure, your data may be permanently removed or anonymized in our ledger.

4. Third-Party Sharing

Nexa Capital is operated entirely by players for players within the CivMC community. We never sell, trade, or share any of your collected data with third-party real-world organizations, advertisers, or external services. Data is only visible to automated backend systems and authorized Nexa Capital management staff for database troubleshooting, account recovery, or system auditing.

5. Policy Changes

As our website features expand, this Privacy Policy may be updated. In alignment with our Terms of Service, any significant changes regarding how your data is handled will be announced via the NC Discord server one calendar month before the updates take effect.

• NC — a stand-in in this document for Nexa Capital.
• GTS — a stand-in for "Gaming The System", or, attempts using the structure of NC to harm NC or its customers. Further: As NC is a nonprofit organization, income made through fees, services, products, etc., only serves as a means to create an increasingly user-friendly and beneficial system, so any attempt by NC employees or customers to profit from this system in a manner inconsistent with the intent of the system is effectively an affront to both NC and its customers.
• DDC — a stand-in for Dedicated Drop Chests, are drop chests that are placed and remain as drop chests dedicated for using our financial services, more found in section 12.
• Walk-in(s) — describes a customer walking into a NC establishment without a digital request. A walk-in(s), are a perfectly acceptable manner of doing business, however, it should be noted that staff may not always be available on location, and as such, digital requests will typically provide more immediate results.
• Escrow — describes a holding in which funds will be removed from the customer's account and placed into, as a buffer between accounts, or for other purposes as described in this documentation.
• SLA — a stand-in for Standard Loan Amount, describes an unfixed, fluctuating value by which the maximum value for a loan may be found, when compared against a customer's credit score. This value will change often, to allow the continued availability of loans within the budget that NC has set aside for them.
• Grandfathered — describes the temporary state of an account that is unaffected by a recent policy change. While grandfathered, no new positive or negative terms apply (save for inactivity fees, see section 10) until the account holder either accepts or declines the policy update. This protects customers who haven't had a chance to respond to a change, and prevents customers who might GTS from benefiting from updates they haven't agreed to.
• Co-signer — a second customer who pledges escrow collateral on another customer's loan. The escrowed amount is held from the co-signer's account until the loan is paid in full (then returned to the co-signer) or the loan defaults (then paid out to NC). Co-signing is a per-loan arrangement, distinct from the account-access roles in section 4.
• Namelayer — a CivMC permission-group mechanic NC uses to compartmentalize access to dedicated drop chests. Each DDC is assigned to one of several NC namelayers; staff are only granted membership in the namelayers covering their region, so no single non-management staff member can see every DDC location.
• Snitch — a Citadel-mod block on CivMC that logs entry into a defined area to a notification group. NC requires DDC locations to be snitched so staff can audit physical access for account security and detect tampering.

By signing below, you confirm that you have read and agree to the terms above. Your signature is recorded with the version of the terms in effect at the time of signing.