Last Updated: 10th March 2026
These DreamWallet Terms of Use govern your access to and use of the DreamWallet service provided through the TheHouse48 platform. By activating or using DreamWallet, you acknowledge that you have read, understood, and agree to be bound by these Terms.
DreamWallet is a digital wallet interface integrated into the TheHouse48 platform that enables users to interact with regulated financial institutions for the purpose of managing funds related to savings goals, property transactions, and other financial services offered through the platform.
DreamWallet is not a bank, financial institution, payment institution, or deposit-taking entity.
All funds deposited through DreamWallet are held in custody by licensed partner banks or regulated financial institutions in the user's jurisdiction.
TheHouse48 does not hold, control, or custody user deposits.
To use DreamWallet, you must:
DreamWallet may not be available in certain jurisdictions and access may be restricted where required by applicable laws.
DreamWallet operates by connecting users to licensed partner banks and regulated financial institutions.
When activating DreamWallet:
TheHouse48 does not control the operations of partner banks and does not guarantee their services.
Users must provide accurate information during registration, including but not limited to:
DreamWallet activation is subject to successful Know Your Customer (KYC) verification and regulatory approval by the partner bank.
Failure to provide accurate information may result in suspension or termination of services.
DreamWallet may only be used for lawful purposes including:
Users must not use DreamWallet for:
TheHouse48 reserves the right to monitor activity and report suspicious transactions as required by law.
All funds deposited through DreamWallet are processed and held by licensed partner banks.
TheHouse48:
Any deposit protection or insurance is provided solely by the partner bank under applicable regulations.
DreamWallet facilitates financial activities related to user savings goals and property acquisition through its partner banking infrastructure.
Permitted transactions within DreamWallet may include:
DreamWallet operates on a goal-based savings model. Funds deposited into a DreamWallet savings goal are intended to support long-term financial objectives, including property acquisition.
Funds deposited into DreamWallet savings goals may be subject to withdrawal restrictions.
Users acknowledge and agree that:
Upon reaching a specified milestone percentage of their savings goal, users may become eligible to apply for financial support services, including mortgage or property financing options provided by approved financial partners.
Any approvals for financial support or financing are subject to the independent assessment and terms of the respective financial institution.
TheHouse48 does not guarantee approval of any mortgage, loan, or financing application.
Certain services may incur fees including:
Applicable fees will be disclosed prior to completing a transaction.
Partner banks may apply additional fees under their own terms.
DreamWallet may support multiple currencies.
Where currency conversion occurs:
TheHouse48 does not guarantee exchange rates.
Users are responsible for safeguarding:
Users must immediately notify TheHouse48 of suspected unauthorized access.
TheHouse48 may suspend accounts to protect users or the platform.
DreamWallet services may occasionally be unavailable due to:
TheHouse48 does not guarantee uninterrupted service availability.
DreamWallet is subject to international financial regulations including:
Users may be screened against global sanctions lists including those maintained by government authorities.
Accounts may be restricted or reported where required by law.
DreamWallet may support international transactions.
Users acknowledge that cross-border transfers may be subject to:
Users are responsible for complying with all applicable laws in their jurisdiction.
Financial transactions involve certain risks including:
TheHouse48 does not guarantee the financial performance of partner banks or financial systems.
Users accept these risks when using DreamWallet.
TheHouse48 may suspend or terminate DreamWallet access where:
Partner banks may independently suspend services.
Users agree to indemnify and hold harmless TheHouse48, its affiliates, employees, and partners from any claims, losses, liabilities, damages, or expenses arising from:
To the maximum extent permitted by law, TheHouse48 shall not be liable for:
DreamWallet is provided on an "as-is" and "as-available" basis.
All intellectual property associated with DreamWallet, including software, branding, and technology, remains the property of TheHouse48 or its licensors.
Users may not reproduce, distribute, or reverse engineer the platform.
TheHouse48 may modify or discontinue DreamWallet features including:
Users will be notified of significant changes where required.
These Terms may be updated periodically.
Continued use of DreamWallet constitutes acceptance of updated Terms.
Any dispute arising from these Terms shall first be resolved through good faith negotiation.
Where disputes cannot be resolved amicably, they shall be resolved through binding arbitration under internationally recognized arbitration rules.
These Terms shall be governed by applicable laws in the jurisdiction where TheHouse48 operates or where the relevant service is provided, without regard to conflict-of-law principles.
If any provision of these Terms is determined to be unenforceable, the remaining provisions shall remain in full force and effect.
For inquiries regarding DreamWallet:
TheHouse48 Support
Email: hello@thehouse48.com
DreamWallet operates on a structured savings model in which funds may be locked until a user reaches their savings goal or a defined milestone percentage. However, in limited circumstances, users may request an early withdrawal of funds.
Early withdrawal requests may be considered in exceptional situations including, but not limited to:
All early withdrawal requests are subject to review and approval by the applicable partner bank and TheHouse48 platform administrators.
Where early withdrawal is approved, the following may apply:
TheHouse48 reserves the right to approve or deny early withdrawal requests in accordance with applicable regulations and partner bank policies.
Nothing in this policy guarantees that an early withdrawal request will be approved.
A DreamWallet account may be considered dormant if there has been no user activity for a prolonged period, as determined by applicable regulations or partner bank policies.
User activity may include:
Where a wallet is classified as dormant, TheHouse48 and its partner banks may take reasonable steps to:
If a wallet remains inactive for an extended period as defined by the governing financial regulations of the partner bank's jurisdiction, funds may be handled in accordance with applicable unclaimed property or dormant account laws.
In such cases, funds may be transferred to the relevant regulatory authority or held by the partner bank in accordance with applicable laws.
TheHouse48 shall not be liable for actions taken to comply with regulatory requirements relating to dormant accounts or abandoned funds.
Users are responsible for maintaining accurate contact information and periodically accessing their accounts to prevent dormancy.
