Terms of service

BANKIE CULTURE — TERMS OF SERVICE

Last Updated: October 7, 2026

Welcome to Bankie Culture. These Terms of Service (“Terms”) govern your use of our website, purchases of our products, and interactions with Bankie Culture.

By accessing our website, placing an order, creating an account, or purchasing any product from us, you agree to these Terms. If you do not agree with these Terms, please do not use our website or purchase our products.

Bankie Culture reserves the right to update these Terms at any time. Any changes will become effective when posted to our website.


1. ABOUT BANKIE CULTURE

Bankie Culture is a streetwear clothing brand offering apparel, accessories, limited releases, pre-orders, and other products.

Our products may be produced in limited quantities. Certain products may not be restocked once sold out.

We reserve the right to limit quantities, refuse orders, cancel orders, or discontinue products at our discretion, subject to applicable law.


2. PRODUCT INFORMATION

We make reasonable efforts to display product descriptions, colors, sizing, images, measurements, and other product information as accurately as possible.

However:

  • Colors may appear differently depending on your device or screen.
  • Product images may be promotional images, mockups, or samples and may differ slightly from the final product.
  • Minor differences in color, stitching, placement, distressing, washing, printing, embroidery, or manufacturing may occur.
  • Measurements may vary slightly between garments.
  • Product availability may change without notice.

Such minor variations do not automatically constitute a defective or materially different product.

If a product is materially different from what was advertised, please contact us so we can review the issue.


3. PRICING AND PAYMENT

All prices displayed on our website are subject to change without notice.

The price charged at checkout is the price applicable to your order, except where an obvious pricing or technical error has occurred.

Bankie Culture reserves the right to correct pricing errors and, where legally permitted, cancel an order placed at an incorrect price.

You authorize Bankie Culture and our payment processors to charge your selected payment method for the full amount of your purchase, including applicable taxes and shipping charges.

We do not store your complete payment-card information. Payments may be processed by third-party payment providers.


4. ORDER ACCEPTANCE

Submitting an order does not necessarily mean that Bankie Culture has accepted the order.

We reserve the right to:

  • Reject an order;
  • Cancel an order;
  • Limit quantities;
  • Correct pricing or product information;
  • Refuse suspected fraudulent transactions;
  • Cancel duplicate or suspicious orders; or
  • Take other reasonable action necessary to protect our business and customers.

If we cancel an order after payment has been processed, we will issue the applicable refund.


5. LIMITED-RELEASE AND SOLD-OUT PRODUCTS

Bankie Culture may release products in limited quantities.

Limited-release products may sell out quickly and may not be restocked.

A product being displayed on our website does not guarantee that it will remain available.

We are not responsible for customers missing a limited release due to inventory selling out.


6. PRE-ORDERS

Certain Bankie Culture products may be offered as PRE-ORDER items.

By purchasing a pre-order, you understand that the product may not be immediately available for shipment.

The estimated production and shipping timeframe will be communicated on the product page, checkout, email, or other applicable communication.

Pre-order conditions:

  1. Pre-orders are production-based purchases.
  2. Estimated dates are estimates and are not guaranteed delivery dates unless expressly stated otherwise.
  3. Production may be affected by manufacturing, material availability, quality-control issues, shipping, customs, carrier delays, or other circumstances outside our reasonable control.
  4. Bankie Culture will make reasonable efforts to keep customers informed of significant delays.
  5. Customers should carefully review the estimated timeframe before placing a pre-order.
  6. Customers may not treat an estimated delivery date as a guaranteed delivery date.

Bankie Culture will comply with applicable laws concerning delayed shipments, cancellations, and refunds.

If we cannot ship an order within the timeframe required by applicable law, we will provide the notices, cancellation options, consent options, and/or refunds required by law. 

Pre-order cancellations

Because pre-orders may be used to fund or reserve production, cancellation rights may be limited to the extent permitted by applicable law and the specific terms disclosed at checkout.

However, nothing in this policy is intended to eliminate any cancellation or refund right that cannot legally be waived.


7. SHIPPING

Customers are responsible for providing an accurate shipping address at checkout.

Once an order has been submitted, changing the shipping address may not be possible.

Bankie Culture is not responsible for delays caused by:

  • Incorrect addresses;
  • Missing apartment/unit numbers;
  • Carrier delays;
  • Weather;
  • Natural disasters;
  • Customs;
  • Government actions;
  • Strikes;
  • Incorrect customer information;
  • Delivery attempts missed by the customer; or
  • Other circumstances outside our reasonable control.

We will provide tracking information when available.

Once a package has been transferred to the shipping carrier, delivery is primarily controlled by the carrier.


8. LOST, STOLEN, OR MISDELIVERED PACKAGES

Bankie Culture is not responsible for packages confirmed by the carrier as delivered to the address provided by the customer.

If your tracking information states that your package was delivered but you cannot locate it, please:

  1. Check around your property;
  2. Check with household members or neighbors;
  3. Contact the shipping carrier;
  4. Contact us with your order information.

We may investigate the situation and, where appropriate, determine whether a replacement or other resolution is available.

We reserve the right to request additional information or documentation before providing a replacement.


9. WRONG ADDRESS

Customers are responsible for entering the correct shipping information.

If an order is returned to Bankie Culture because the customer entered an incorrect or incomplete address, the customer may be responsible for additional shipping costs.

If the package cannot be recovered, Bankie Culture will determine the appropriate resolution based on the circumstances and applicable law.


10. RETURN POLICY

Return requests must be submitted within [14] days of confirmed delivery.

To be eligible for a return:

  • The item must be unworn;
  • The item must be unwashed;
  • The item must be free of stains, odors, makeup, deodorant, pet hair, or other damage;
  • Original tags must remain attached where applicable;
  • The item must be in its original condition.

Items that do not meet these requirements may be rejected.

Customers are responsible for return shipping costs unless the item was defective, incorrect, or otherwise qualifies for a return at Bankie Culture’s expense.


11. EXCHANGES

We may offer exchanges for eligible items, subject to inventory availability.

If the requested replacement size or product is unavailable, Bankie Culture may offer another available resolution.

Exchange requests must comply with the applicable return timeframe and condition requirements.


12. FINAL SALE ITEMS

The following may be designated FINAL SALE:

  • Clearance items;
  • Certain limited releases;
  • Promotional items;
  • Mystery products;
  • Customized products;
  • Certain accessories;
  • Items specifically identified as final sale;
  • Certain pre-order products where clearly disclosed at checkout.

Final-sale products are not eligible for ordinary returns or exchanges unless required by applicable law or the item is defective or materially different from what was advertised.

Final-sale status will be disclosed before purchase.


13. DEFECTIVE OR INCORRECT ITEMS

If you receive an item that appears defective, damaged, or materially different from what you ordered, contact us as soon as reasonably possible.

We may request:

  • Your order number;
  • Photos or video of the product;
  • Photos of packaging;
  • A description of the problem;
  • Other information reasonably necessary to investigate the claim.

If we determine that the item is defective or we sent the wrong item, we may provide an appropriate remedy, which may include:

  • Replacement;
  • Exchange;
  • Repair, where appropriate;
  • Store credit; or
  • Refund.

Nothing in this policy limits rights that cannot legally be waived.


14. RETURN FRAUD AND ABUSE

Bankie Culture reserves the right to refuse returns, exchanges, replacements, refunds, or other accommodations when we reasonably suspect:

  • Return fraud;
  • Product switching;
  • Excessive returns;
  • False damage claims;
  • Intentional damage;
  • Abuse of promotional policies;
  • Unauthorized resale;
  • Payment fraud; or
  • Other fraudulent or abusive activity.

This does not eliminate legitimate consumer rights.


15. REFUNDS

When an approved refund is issued, the refund will generally be returned to the original payment method when reasonably possible.

Processing times may vary depending on the customer’s bank, card issuer, payment processor, or financial institution.

Bankie Culture does not control how quickly a customer’s financial institution posts a refund.

Where a refund is required by applicable law, Bankie Culture will provide the refund within the timeframe required by law.


16. ORDER CANCELLATIONS

Because orders may be processed quickly, cancellation requests are not guaranteed.

If an order has already entered processing, production, fulfillment, or shipment, we may be unable to cancel it.

If cancellation is legally required or otherwise approved by Bankie Culture, the applicable refund will be processed.

Pre-order cancellation rules are governed by the pre-order terms disclosed for the applicable product and applicable law.


17. PROMOTIONAL CODES

Promotional codes:

  • May have expiration dates;
  • May have minimum purchase requirements;
  • May apply only to certain products;
  • May not be combined with other promotions unless stated otherwise;
  • May not be redeemed for cash;
  • May be limited to one use per customer.

Bankie Culture reserves the right to cancel or modify promotional offers in accordance with applicable law.


18. GIFT CARDS / STORE CREDIT

If Bankie Culture offers gift cards or store credit, additional terms may apply.

Gift cards and store credit may not be redeemable for cash except where required by law.

Store credit cannot be transferred or sold unless expressly permitted by Bankie Culture.


19. CUSTOMER ACCOUNTS

If you create an account with Bankie Culture, you are responsible for maintaining the confidentiality of your account information.

You agree to provide accurate information.

You are responsible for activity occurring through your account unless caused by circumstances outside your reasonable control.

Bankie Culture reserves the right to suspend or terminate accounts involved in fraud, abuse, or violations of these Terms.


20. INTELLECTUAL PROPERTY

All content associated with Bankie Culture, including but not limited to:

  • Logos;
  • Brand names;
  • Designs;
  • Graphics;
  • Artwork;
  • Product photography;
  • Videos;
  • Website content;
  • Text;
  • Slogans;
  • Trademarks;
  • Trade dress;
  • Marketing materials; and
  • Other original materials

are owned by or licensed to Bankie Culture and are protected by applicable intellectual-property laws.

You may not copy, reproduce, modify, distribute, sell, publish, transmit, create derivative works from, or commercially exploit Bankie Culture intellectual property without written permission.

Unauthorized use may result in legal action.


21. CUSTOMER-SUBMITTED CONTENT

If you submit photographs, videos, reviews, comments, testimonials, social-media content, or other materials to Bankie Culture, you represent that you have the right to submit that material.

By voluntarily submitting content to us, you grant Bankie Culture a non-exclusive, worldwide, royalty-free license to use, reproduce, display, publish, modify, and distribute that content for business, advertising, marketing, promotional, and social-media purposes, unless prohibited by applicable law or otherwise agreed in writing.

You should not submit content that you do not have permission to use.


22. PROHIBITED USES

You agree not to use our website to:

  • Commit fraud;
  • Attempt unauthorized access;
  • Disrupt website operations;
  • Introduce malicious code;
  • Scrape or copy website content without permission;
  • Impersonate another person;
  • Use stolen payment information;
  • Abuse promotional offers;
  • Circumvent purchasing limits;
  • Purchase products for fraudulent purposes;
  • Violate applicable laws; or
  • Interfere with the rights of Bankie Culture or others.

We reserve the right to restrict or terminate access to customers who violate these rules.


23. FRAUD PREVENTION

Bankie Culture may use third-party payment processors and fraud-detection systems.

Orders may be reviewed for suspicious activity.

We may request additional verification information where reasonably necessary.

If we reasonably believe an order is fraudulent or unauthorized, we may cancel the order and take other lawful steps to protect the business and our customers.


24. CHARGEBACKS AND PAYMENT DISPUTES

If you believe there is a problem with an order, please contact Bankie Culture before filing a payment dispute whenever reasonably possible.

Customers agree not to submit false or fraudulent chargebacks.

Examples include claiming that an order was never received when tracking confirms delivery, claiming that an item was unauthorized when it was knowingly purchased, or intentionally misrepresenting the condition of returned merchandise.

Bankie Culture reserves the right to provide transaction records, shipping information, communications, tracking information, photographs, and other relevant evidence to payment processors or financial institutions in response to a dispute.

Nothing in this section limits a customer’s lawful right to dispute an unauthorized transaction.


25. THIRD-PARTY SERVICES

Our website may use third-party services, including payment processors, shipping companies, website providers, analytics services, email providers, and other service providers.

Bankie Culture is not responsible for independent failures of third-party services outside our reasonable control.

Your use of third-party services may also be subject to their own terms and policies.


26. WEBSITE AVAILABILITY

We attempt to keep our website available and accurate, but we do not guarantee that the website will always be:

  • Available;
  • Error-free;
  • Secure;
  • Accurate;
  • Complete; or
  • Free of interruptions.

We may temporarily suspend the website for maintenance, updates, security issues, or other reasons.


27. DISCLAIMER

To the fullest extent permitted by applicable law, Bankie Culture provides the website and its content on an “as available” basis.

We do not guarantee that the website will be uninterrupted or completely error-free.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded.


28. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Bankie Culture and its owners, employees, contractors, affiliates, service providers, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of the website or purchase or use of our products.

To the fullest extent permitted by law, Bankie Culture’s total liability relating to a particular purchase will not exceed the amount actually paid by the customer for the product giving rise to the claim.

This limitation does not apply to liability that cannot legally be limited or excluded.


29. INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Bankie Culture and its owners, employees, contractors, affiliates, service providers, and representatives from claims, damages, losses, liabilities, costs, and expenses arising from:

  • Your violation of these Terms;
  • Your misuse of the website;
  • Your violation of another person’s rights;
  • Fraudulent activity associated with your account or order; or
  • Your violation of applicable law.


30. FORCE MAJEURE

Bankie Culture will not be responsible for delays or failures caused by circumstances beyond our reasonable control, including:

  • Natural disasters;
  • Severe weather;
  • Fire;
  • Flood;
  • War;
  • Government actions;
  • Labor disruptions;
  • Transportation disruptions;
  • Manufacturing disruptions;
  • Supplier shortages;
  • Customs delays;
  • Internet or technology failures;
  • Public-health emergencies; or
  • Other events beyond our reasonable control.

However, this section does not eliminate any refund, cancellation, or other rights required by applicable law.


31. GOVERNING LAW

These Terms will be governed by the laws of the State of Texas, except to the extent federal law or mandatory consumer-protection laws require otherwise.


32. DISPUTE RESOLUTION

Before filing a legal claim, the parties agree to make a good-faith effort to resolve the dispute directly.

Customers should contact Bankie Culture using the contact information listed below and provide:

  • Name;
  • Order number;
  • Description of the dispute;
  • Supporting documentation; and
  • Requested resolution.

Nothing in this section prevents a customer from exercising rights that cannot legally be waived.

[OPTIONAL — HAVE A TEXAS ATTORNEY DRAFT/REVIEW THIS SECTION BEFORE YOU ADD A MANDATORY ARBITRATION OR CLASS-ACTION WAIVER.]


33. SEVERABILITY

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law.


34. ENTIRE AGREEMENT

These Terms, together with any policies specifically incorporated into them, constitute the agreement between you and Bankie Culture concerning your use of the website and purchases.

If there is a conflict between these Terms and a product-specific policy displayed at checkout, the more specific product terms will control to the extent permitted by law.


35. CHANGES TO THESE TERMS

Bankie Culture may update these Terms from time to time.

The updated version will be posted on this website with a revised “Last Updated” date.

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms to the extent permitted by law.


36. CONTACT INFORMATION

Bankie Culture

Website: [bankiecult.com]

Email: bankieculture4@gmail.com

Customer Service: [ 4699719364]

Business Address: [2711 wilhurt ave dallas tx 75216]


IMPORTANT — PUT THESE POLICIES ON YOUR SITE TOO

I would not rely on one giant Terms page alone. For Bankie Culture, I’d have separate pages/sections for:

  1. Terms of Service
  2. Privacy Policy
  3. Shipping Policy
  4. Returns & Exchanges
  5. Pre-Order Policy
  6. Contact Us
  7. FAQ

And on every pre-order product page, I’d put something like:

PRE-ORDER NOTICE: This item is being produced specifically for this release. Please review the estimated production/shipping timeframe before purchasing. By placing your order, you acknowledge that this is a pre-order and that the item will not ship immediately. Estimated dates are subject to production and shipping conditions. Bankie Culture will provide required notices and refund/cancellation options if applicable under law.

That is especially important because you shouldn’t promise a shipping date you don’t have a reasonable basis to meet. If you can’t meet the promised timeframe, federal rules can require you to notify customers, offer cancellation/refund options, and follow specific procedures for delays. 

One thing I’d change for your business

Since Bankie Culture is trying to build a premium/limited streetwear brand, I would make your return policy fairly strict without trying to eliminate legitimate customer rights:

14-day return window + unworn/unwashed/tagged + customer pays return shipping for buyer’s remorse + defective/wrong items handled by Bankie Culture + clearly labeled final-sale/limited items + separate pre-order terms.