Accion Microfinance Bank offers you access to all its digital products and channels which includes Mobile Applications, USSD, Internet Banking and other subscriber-based services like (NIBSS I-GREE), ("Services") subject to the terms and conditions set forth below ("Terms"). You and Accion Microfinance Bank are bound by the terms of this agreement. We implore you to kindly read the Terms & Conditions carefully before using any of our Services, and make sure you understand them. Please be aware that whenever you use or access our Services, these Terms apply to you. Please also be aware that our Privacy Policy, which you are strongly recommended to read and thoroughly evaluate, governs your use of our Services at all times.

CONSENT TO THESE TERMS

You warrant that you have read, comprehend, and agree to be bound by these Terms and our Privacy Policy, by using or gaining access to our Services. Please do not use or use our Services if you do not agree to the Terms and our Privacy Policy

NO ENDORSEMENT

The correctness or dependability of any content placed on any interactive section is not guaranteed by Accion Microfinance Bank, and you agree that any reliance on such content is done at your own risk. Any content posted by users on a user-generated interactive space reflects the views of the user who posted the statement and does not reflect the views of Accion Microfinance Bank. Links to websites on the internet that are owned and controlled by third parties (the "External Sites") may be found in our services. You agree that Accion Microfinance Bank is not liable for any External Site's availability or the content found there or through it. If you have any questions about these links or the content found on these External Sites, you should get in touch with the site administrator or webmaster for those External Sites.

MODIFICATION OF THESE TERMS

The Terms and our Privacy Policy are subject to change at any time, without your consent or notification. You have a contractual and legal obligation under this relationship to review the Terms from time to time and to familiarize yourself with their requirements. Following such a change, your continued use of the Services is taken to be your assent to the updated Terms.

INTELLECTUAL PROPERTY RIGHTS

The Intellectual Property Rights, including the ownership of all content on our websites and applications, including but not limited to text, designs, graphics, photographs and other files belongs exclusively to Accion Microfinance Bank Limited. This includes their arrangement and selection. No Content may be changed, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in whole or in part without the prior written consent of the Bank. Any un-authorized usage of such Content are strictly prohibited, including republication of any Content on any Internet, Intranet, or Extranet site and/or the inclusion of such content in any database or compilation. Any form of usage of Accion MfB content without the Bankâ??s prior written consent, including usage of the Applications or the Applications Content other than that which is expressly permitted herein, is strictly prohibited and shall result in the termination of the license granted. Any such illegal and/or un-authorized use shall be deemed as a violation/infringement of the Bankâ??s Intellectual Property Rights and shall result of the Bank instituting a legal claim including a claim for damages pursuant to the provisions of relevant laws relating to copyright and trademark laws as well as applicable communications statutes and regulations. No part of Terms shall be interpreted or construed as granting any license to any intellectual property rights, unless expressly stated herein.

INDEMNIFICATION

You consent to indemnify Accion Microfinance Bank as well as any of our staff and branches from any claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your violation of any law or the terms and conditions contained in or incorporated into these Terms. The parties to this agreement who are indemnified by you reserve the right to assume sole management and defense of any issue for which you are obligated to provide indemnification, in which case you will cooperate in raising any potential defenses.

WARRANTIES DISCLAIMED AND LIMITATION OF LIABILITY

Accion Microfinance Bank provides the Services and all information, content, materials, products (including software), and other services on a "As is" and "As available" basis, unless otherwise stated in writing. Unless expressly stated otherwise in writing, Accion Microfinance Bank makes no representations or warranties of any kind, express or implied, as to the operation of the Services or the information, content, materials, products (including software), or other services included on or otherwise made available. You hereby explicitly acknowledge and agree that the use of the Services and applications is at your own risk. Accion Microfinance Bank expressly disclaims all implicit guarantees, including the implied warranties of merchantability and fitness for a particular purpose, to the fullest extent permitted by law. Except as expressly provided in writing, Accion Microfinance Bank shall not be liable for any damages of any kind resulting from the use of the Services, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages. Any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation, lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), or otherwise, shall not be made by Accion Microfinance Bank, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors.

GOVERNING LAW AND DISPUTE RESOLUTION

Without regard to or giving effect to any principles or laws governing conflicts of law that call for the application of the law of another jurisdiction, these and any other separate agreements under which we offer you Services shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. All claims, demands, and causes of action must be resolved by binding arbitration in a private setting. Lagos, Nigeria will serve as the site of the arbitration.

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