TERMS AND CONDITIONS
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” AND TO THE EXTENT PERMITTED BY LAW WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. IN ADDITION, WHILE GWONG MICROFINANCE BANK ATTEMPT TO PROVIDE A GOOD USER EXPERIENCE, WE DO NO REPRESENT OR WARRANT THAT:
1. THE SERVICES WILL ALWAYS BE SECURE, ERROR FREE OR TIMELY
2. THE SERVICES WILL ALWAYS FUNCTION WITHOUT DELAYS, DISRUPTIONS, OR IMPERFECTIONS, OR
3. THAT ANY CONTENT, OR IMFORMATION YOU OBTAIN ON OR THROUGH THE SERVICES WILL BE TIMELY OR ACCURATE
Conditions of Use
By using this website, you certify that you have read and reviewed this Agreement and that you agree to comply with its terms. If you do not want to be bound by the terms of this Agreement, you are advised to stop using the website accordingly. Gwong Microfinance Bank Limited only grants use and access of this website, its products, and its services to those who have accepted its terms.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
o Affiliated or Third Parties includes companies with which we have common ownership or management or other contractual strategic support or partnership relationships with.
o Account means a unique account created for You to access our Service or parts of our Service.
o Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Gwong Microfinance Bank Limited.
o Content refers to content such as text, images, or other information that can be posted, uploaded, linked to or otherwise made available by You, regardless of the form of that content.
o Data is information, which is stored electronically, on a computer, or in certain paper-based filing systems.
o Data Controller is a person responsible for determining the manner in which Personal Data would be processed.
o Data Subject is an identifiable natural person. An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his physical, physiological, mental, economic, cultural, or social identity.
o Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
o Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.
o Personal Data is the information relating to an identified or identifiable natural person. These include a name, gender, a photo, an email address, bank details, medical information, computer internet protocol address and any other information specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
o Processing is any activity that involves use of Personal Data. It includes obtaining, recording or holding the data, or carrying out any operation or set of operations on the data including organizing, amending, recording, retrieving, using, disclosing, erasing or destroying it. Processing also includes transferring personal data to third parties.
o Products refer to the products or items offered for sale on the Service.
o Promotions refer to contests, sweepstakes or other promotions offered through the Service.
o Sensitive Personal Data includes information about a person’s racial origin, political opinions, religious or similar beliefs, trade union membership, physical or mental health or condition or sexual life.
o Service refers to the Website.
o Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service. This Terms and Conditions Agreement was generated by Terms Feed Terms and Conditions Generator.
o Third-party Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
o Website refers to Gwong Microfinance Bank, accessible from https://gwongmfb.qoreonline.com/
o “You” means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service. Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.
By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions, then You may not access the Service.
The Terms and Conditions
These terms and conditions (the “Terms and Conditions”) govern the use of Gwong Microfinance Bank Internet Banking/Mobile Banking (the “Site”). This Site is owned and operated by Gwong Microfinance Bank Limited. This Site is a Commercial website. By using this site, you indicate that you have read and understood these Terms and Conditions and agree to abide by them at all times.
Privacy policy
Before you continue using our website, we advise you to read our privacy policy regarding our user data collection. It will help you better understand our practices.
Age restriction
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service. By using this website, you warrant that you are at least 18 years of age and you may legally adhere to this Agreement. Gwong Microfinance Bank assumes no responsibility for liabilities related to age misrepresentation. Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.
Intellectual Property
You agree that all materials, products, and services provided on this website are the property of Gwong Microfinance Bank its affiliates, directors, officers, employees, agents, suppliers, or licensors. This includes, but is not limited to images, text, logos, documents, downloadable files including all copyrights, trade secrets, trademarks, patents, and any other thing that contribute to the composition of our Site, and other intellectual property. You also agree that you will not reproduce or redistribute the [company name]’s intellectual property in any way, including electronic, digital, or new trademark registrations.
Accounts
When You create an account with Us, You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Service. As a user of this website, you may be asked to register with us and provide private information. You are responsible for ensuring the accuracy of this information, and you are responsible for maintaining the safety and security of your identifying information. You are also responsible for all activities that occur under your account or password. If you think there are any possible issues regarding the security of your account on the website, inform us immediately so we may address them accordingly. When you create/operate an account on our Site, you agree to the following:
- You are solely responsible for your account(s) and the security and privacy of your account(s), including password or sensitive information attached to that account(s); and
- All personal information you provide to us through your account is up to date, accurate and truthful, and that you will update your personal information when and if it changes.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.
We reserve the right to suspend or terminate your account if you are using Site illegally or if you violate these Terms and Conditions.
Restrictions
You expressly understand and agree that You are solely responsible for all activity that occurs under your account, whether done so by You or any third person using Your
account. Examples of objectionable activities and or restrictions include, but are not limited to the following:
1) Containing or installing any viruses, worms, malware, trojan horses, or other content that is designed or intended to disrupt, damage, or limit the functioning of any software, hardware or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of a third person.
2) Infringing on any proprietary rights of any party, including patent, trademark, trade secret, copyright, right of publicity or other rights.
3) Impersonating any person or entity including Gwong Microfinance Bank and its employees or representatives.
4) Violating the privacy of any third person.
5) False information
Third Party Goods and Services
Our Site may promote or offer services from third parties. We cannot guarantee the quality or accuracy of services made available by third parties on our Site.
Links to Other Websites
Our Site contains links to third party websites or services that we do not own or control. Gwong Microfinance Bank has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services links on our website. You further acknowledge and agree that Gwong Microfinance Bank shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise You to read the terms and conditions and privacy policies of these third-party websites before using these sites.
Termination
We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions. Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service.
Limitation of Liability
Gwong Microfinance Bank and our Directors, Officers, agents, employees, subsidiaries and affiliates will not be liable for any actions, claims, losses, damages, liabilities, and expenses, including legal fees from your use of the Site.
Disputes
If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting Gwong Microfinance Bank. Any dispute related in any way to your use of this website shall be arbitrated by state or federal court of Federal Republic of Nigeria and you consent to exclusive jurisdiction and venue of such courts.
Indemnity
Except where prohibited by law, by using this Site, you indemnify and hold harmless Gwong Microfinance Bank and our Directors, Officers, agents, employees, subsidiaries and affiliates from any losses, damages, liabilities, and expenses, including legal fees from your use of the Site or your violation of these Terms and Conditions.
Applicable Law
By using this website, you agree that the laws of the Federal Republic of Nigeria, without regard to principles of conflict laws, will govern these terms and conditions, or any dispute of any sort that might come between Gwong Microfinance Bank and you, or its business partners and associates.
Severability
If at any time any of the provisions set forth in these Terms and Conditions are found to be unenforceable, inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from the Terms and Conditions; or such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law. All other provisions will not be affected by the removal and the rest of these Terms and Conditions will still be considered valid.
Waiver
Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Terms and Conditions shall not effect a party’s ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.
Changes
Gwong Microfinance Bank reserves the right, at Our sole discretion, to edit, modify, and change this Terms and Conditions at any time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. If a revision is material, We will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site. This Agreement is an understanding between Gwong Microfinance Bank and the user, and this supersedes and replaces all prior agreements regarding the use of this website.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.
Feedback
You assign all rights, title and interest in any Feedback You provide Gwong Microfinance Bank. If for any reason such assignment is ineffective, You agree to grant Gwong Microfinance Bank a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.
Contact Details
Please contact us if you have any questions or concerns. Our contact details are as follows: Gwong Microfinance Bank Limited, Fadan Kagoma, Jema’a Local Government Area, Kaduna State; [email protected]