No. 50 Aminu Kano Way, Goron Dutse Kano State, Nigeria
These Terms and Conditions are a contract between you and Gidauniyar Alheri Microfinance Bank Limited, governing your use of your account and the services made available to you on our Mobile App and e-banking services. The following terms and conditions shall govern the Bank’s e-Banking Services. We as subscribers/customers confirm and agree that the following terms and conditions shall govern my/our Electronic Banking transactions with Gidauniyar Alheri Microfinance Bank Limited.
Please read these Terms and Conditions ("Terms") carefully before accessing or using the Platform. These terms govern and apply to your access and use of the suite of services (“Services”) on our Mobile App and e-banking services. By accessing and using the Platform, you agree to be bound by these Terms and all other terms and policies that apply to any account or service you can access using the Platform (collectively referred to as “Terms”). If you do not wish to be bound by any of these Terms, you may not use the Platform or its services.
In this document:
The following services and more are available on Gidauniyar Alheri Mobile App. The Platform allows you to:
Additional services may be introduced periodically and same shall be accessible on the Platform to Users. The following services and more are available on Gidauniyar Alheri Microfinance Bank Limited Mobile App.
We grant you a non-exclusive, non-transferable, royalty-free license to use the App and software embedded in it to open and manage your Gidauniyar Alheri Microfinance Bank Limited Mobile App account. This license will terminate immediately when you delete the App. Gidauniyar Alheri Microfinance Bank Limited Mobile App is available on iOS, and Android OS devices.
We may update the App to add and improve its functionality. Depending on the update, you may not be able to use the App until you have downloaded the latest version and accepted any new or additional terms. Also, if you do not (or you do not upgrade your phone’s operating system to the latest version available), certain features of the App may not work as intended. We are not responsible for the performance of the App on your phone if you do not update the App or your phone’s operating system to the latest version available.
The App is provided for convenience. You acknowledge that the App (and the services/products provided through the App) are dependent upon third-party services, which may impact its availability to you. We try to ensure that the App services are always available to you, we however do not promise that it will always be available or always work perfectly. Downtime may arise in cases of maintenance, fraud, or a fault in the systems used to provide the App. We do not guarantee the duration of a system downtime as these events are sometimes outside of our control.
(a) The Customer understands that his/her Passcode, Access Code/Username/Password/E-mail is used to instruct the BANK and accordingly undertakes:
(i) That under no circumstances shall the passcode/Access code/Password be disclosed to anybody.
(ii) Not to write the Passcode/Access Code/Username/password in an open place in order to avoid third party coming across same.
(b) The customer instructs and authorizes the BANK to comply with any instructions given to the BANK through the use of the service.
(c) Once the BANK is instructed by means of the customer’s Passcode, Access code, Username and PIN the BANK is entitled to assume that those are the instruction given by the customer and to rely same.
(d) The BANK is exempted from any form of liability whatsoever for complying with any or all instruction(s) given by means of the customer’s passcode, Access Code if by any means the Passcode, Access code becomes known to a third party or otherwise becomes compromised.
(e) Where a customer notifies the BANK through Email (and where the Bank acknowledges receipt of same) of his/her intention to change his Passcode/Access Code arising from loss of memory of same, or that it has come to the notice of a third party, the BANK shall, with the consent of the customer, delete same and thereafter allow the customer to enter a new Passcode/Access code provided that the BANK shall not be responsible for any loss that occurs between the period of such loss of memory of the passcode/Access code or knowledge of a third party and the time the report is lodged with the BANK.
(f) Once a customer’s Passcode/Access code/Username is given, it shall be sufficient confirmation of the authenticity of the instruction given.
(g) The customer shall be responsible for any instruction given by means of the customer’s Passcode/Access code/Username. Accordingly, the BANK shall not be responsible for any fraudulent, duplicate or erroneous instruction given by means of the customer’s Passcode/Access code/Username.
(i) The customer undertakes to be absolutely responsible for safeguarding his Username, Access code, Passcode, PIN and Password, and under no circumstance shall the customer disclose any or all of these to any person.
(ii) The customer undertakes to ensure the secrecy of his Access code, Passcode, Username, PIN and password by not reproducing same in any manner whatsoever either in writing or otherwise capable of making it known to persons other than the customer.
(iii) The BANK is expressly exempted from any liability arising from authorized access to the customer’s account and/or data as contained in the BANK’s records via the service, which arising as a result of inability and/or otherwise of the customer to safeguard his PIN Passcode/Access code and/or Password and/or failure to log out of the system completely by allowing on screen display of his account information.
(iv) The BANK is further relieved of any liability as regards breach of duty of secrecy arising out of customer’s inability to scrupulously observe and implement the provisions of clauses above, and/or instances of breach of such duty by hackers and other unauthorized access to the customer’s account via the service.
(v) The Customer’s access code and password must be changed immediately it becomes known to anyone else and therefore the customer is to effect the change. Where the customer cannot effect necessary change(s) on his/her own the customer is under a duty to notify the BANK whenever his/her Access code and/or Password have become known to another person.
(vi) Where a customer notifies the BANK of his intention to change his Access code and/or passcode arising from either his loss of memory of same or that it has come to notice of a third party, the BANK shall with the consent of the customer, delete same and thereafter allow the customer to enter a new passcode, Access code and Password, provided that the BANK shall not be responsible for any loss(es) that occur between the period of such memory of the Access code/passcode and/or Password or knowledge of a third party and time the report is lodged with the BANK.
(vii) The customer shall be responsible for any fraud, loss and/or liability to the BANK or third party arising from usage of the customer’s Access code, passcode, PIN and/or Password being used by a third party and other unauthorized access. Accordingly the BANK shall not be responsible for any fraud that arises from usage of the customer’s Access code, passcode, PIN and/or Password.
You may only use the Services for your own personal, non-commercial use and not on behalf of or for the benefit of any third party.
Your use of the Services must comply with all applicable laws. If your use of this Service is prohibited by applicable law, then you are not authorized to use the Services. We are not responsible if you use the Services in any manner that violates applicable law(s).
You agree not to authorize any other person or entity to use your username and password or electronic access device to access the Services.
You are solely responsible for the maintenance, confidentiality, and security of your username, password, and other User Information.
Except as otherwise required by applicable law, you are responsible for all transactions and other activities authorized or performed using your username and password or electronic access device, whether authorized or unauthorized by you.
Except as otherwise expressly stated in these Terms or required by applicable law, we are not responsible for any losses arising out of the loss or theft of your User Information or your electronic access device or from unauthorized or fraudulent transactions associated with your Gidauniyar Alheri Microfinance Bank Limited Mobile App or Bank Account(s).
For the benefit and security of our customers and to comply with applicable laws, we have a few mandatory guidelines. Conducts that violates the rules and constitute ground for termination these services and the bank may for whatsoever reason vary these terms and conditions from time to time as the Bank deems fit. The customer undertakes to:
(i) Provide accurate information: Agree to provide true, accurate, current and complete information about himself/herself as requested in our registration form and account opening forms and the customer agree not to misrepresent his/her identity or information, which may include Username, Passwords or other access devices for such accounts.
(ii) Comply with the law: Customer agrees not to use the service for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another’s privacy, abusive, threatening or obscene, or that infringe the right of others.
(iii) Proprietary rights: The customer acknowledges and agrees that the BANK owns all right to this website and the content displayed on the site. The customer is only permitted to use this content as expressly authorized by the service. Customer may not copy, reproduce, distribute, or create derivative work from this. A violation of any of the above guidelines is grounds for discontinuation of the service by the BANK.
(iv) Pledge on Cheques issued: Customer hereby agrees and pledges to ensure that its/his/her account is adequately funded before issuing 3rd party cheques. Where the customer violates this pledge the customer accepts and agrees that there are attendant consequences which shall be meted out by the Central Bank of Nigeria (CBN) as well as the Economic and Financial Crimes Commission (EFCC). The consequences shall include but may not be restricted to investigation and prosecution by the EFCC. A violation of any of the above guidelines is grounds for discontinuation of the service by the BANK.
The customer expressly understands and agrees that use of the service is at their sole risk. The service is provided on an “as is” and “as available” basis. The BANK expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
The BANK makes no warranty that:
11. Any material downloaded or otherwise obtained through the use of the service is done at the customer’s discretion and risk and the BANK is not responsible for any damage to the customer’s computer system or loss of data that results from the download of any such material. No advice or information, whether oral written, obtained by customer from us or through or from service will create any warranty not expressly stated in these terms.
I/We agree that the BANK will not be liable for any act, omission or damage whether direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use or other intangible losses, even if the BANK has been advised of the possibility of such damages, resulting from:
Except when caused by the BANK’s intentional misconduct or gross negligence, customer agree to protect and fully compensate the BANK and its affiliates and service providers from any/and all third party claims, liability, damages, expenses and costs (including, but not limited to, legal fees) caused by or arising from customer’s use of the service, violation of the terms or infringement, by any other user of customer’s account, or any intellectual property or other right of anyone.
The BANK reserves the right to change or discontinue, temporarily or permanently, the service at any time without notice. In order to maintain the security and integrity of the service the BANK may also suspend customer’s access to the service at any time without notice. Customer agrees that the BANK will not be liable to the customer or any third party for any modification or discontinuation of the service.
We reserve the right to suspend your usage of the Platform or any of the Services immediately and without advance notice under the following circumstances:
We may change these terms from time to time. This is solely at our discretion and changes will be effective when posted on the Platform with no other notice provided. Please check the Terms regularly for updates as changes shall be effective immediately, and we may indicate the date of such revision.
In addition, we may change, suspend or discontinue any aspect of the Services at any time, including the availability of any feature, or content. We may also impose limits on certain features and service or restrict your access to parts or all of the Platform (either on the web or via the App) or the Services provided without notice or liability.
You are free to decide whether or not to accept a revised version of these Terms, but accepting these Terms, as revised, is required for you to continue accessing or using the Platform and Services. If you do not agree to these Terms or any revised version of these Terms, your sole recourse is to terminate your access or use of the Services. Except as otherwise expressly stated by us, your access and use of the Services are subject to, and constitute your acceptance of, the version of these Terms in effect at the time of your access or use.
We will use our best efforts to resolve any issue that may arise from the use of the Platform. However, we realize that there may be rare cases where we may not be able to resolve an issue to your satisfaction. In the event we cannot resolve a dispute between us, you agree that all matters related to any use or access to the Platform or the services shall be referred to Mediation.
(i) The Bank shall not be considered an agent or to other legal representative of the customer for any purpose by reason of this agreement and/or any other party whom the customer is using this service to pay.
(ii) This agreement cannot be changed by the customer or any of the banks right waived unless the Bank agrees in writing or customer continues using the service following receipt of notice of any changes proposed by the Bank.
(iii) The agreement is personal to the customer and the customer shall not assign it to anyone.
(iv) All notice to the customer shall be in writing via the address the customer has provided to the bank, all address the customer has provided to the bank, all notice to the Bank must be made in writing sent to the bank’s address.
(v) The Bank and the customer shall be an independent contractor, and nothing contained in this agreement shall be deemed to create any association, partnership, joint venture or relation of principal, agent or master and servant, employer or employee between parties.
(vi) If any of these terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect.
(vii) The laws of the Federal Republic of Nigeria shall apply to this agreement.
In consideration of Gidauniyar Alheri Microfinance Bank opening account on my/our behalf; I/we hereby authorized Gidauniyar Alheri MFB to debit my/our account with the cost incurred in respect of cheque book and or ATM Debit Card for the above account.
20. I/we hereby release and discharge Gidauniyar Alheri Microfinance Bank Ltd from its obligation under the Banker’s duty of secrecy and forswear my/our right to Any claim and damages.
This authorization gives you authority to also accept and act upon our telephone and telex instructions as well. I/we hereby certify that the information given on this platform is correct and that I/We have read understood and agree with the Account Opening Terms & Conditions governing the selected account(s).
The Customer acknowledges that the Bank consults with various credit bureaus and reference agencies, and may be required to disclose the Customers information to this credit bureau for the purpose of conducting checks on the customer. The customer hereby irrevocably and unconditionally grants his/hers/its consent to the Bank and expressly authorizes such disclosure of any or all information on his/her/its/ transactions with the Bank, to such credit bureaus and reference agencies whether based internationally or locally, these includes information on Customers Directors and other personnel, transactions and conduct on Customers account together with details of any nonpayment or delayed payments as the Bank may deem fit. The consent herein discharges the Bank all liabilities, claims and damages for such disclosure made by the Bank to any credit bureau pursuant to the consent herein granted.
22. If a fraudulent activity is associated with the operation of a customer’s account, the customer agrees that the Bank has the right to apply restrictions on the customer’s account and report to appropriate law enforcement agencies.
I/We hereby apply for the opening of account(s) with Gidauniyar Alheri Microfinance Bank Ltd. I/we understand that the information given herein is the basis for opening such account(s) and hereby warrant that such information is correct.
I/We hereby undertake to indemnify the bank of any loss suffered as a result of any false information or error in the information provided to the Bank.