Terms & Conditions

Terms Of Service Of FLOURISH MFB Website

This Document sets out the Terms of service (“Terms”) of your use and access to our website and all our internet platforms. You agree that it is a contract and is a legally binding agreement between you and Flourish Flourish Microfinance Bank(Flourish MFB). Please read the Terms carefully and be sure to understand theTerms before accessing any of our Services. This document shall be read along without Privacy Policy

OUR OFFER

We have presented the services offered by Flourish MFB on this website including but not limited to Loans and Credit, Savings, Deposits, Transfers, Cards, Payments etc. We have endeavoured to ensure that the services presented are true without any fraudulent intent.

ACCEPTANCE

By using or accessing our Services, you represent that you have read and understand these Terms and our Privacy Policy and you agree to be bound by theseTerms and our Privacy Policy. If you do not agree to the Terms and our PrivacyPolicy, do not use or access our Services. Your continued use of our website or subscription to our services will be deemed acceptance.

NO ENDORSEMENT

Flourish MFB understands that users of this website may post comments, review sand opinion whether related to Flourish MFB or not. TAKE NOTICE that FlourishMFB does not in any way represent or endorse the accuracy or reliability of any content posted on any interactive area and you acknowledge that any reliance upon such content shall be at your sole risk. The said comments are not authorised by Flourish MFB and any content placed on any interactive area by users represents the views of the user posting the statement, and does not represent the views of Flourish MFB.

In certain circumstances, the website may contain links to sites on the internet which are owned and operated by third parties (the “External Sites”). The said links may be integrated to our services, for promotional/marketing purposes by various services providers including Internet Services Providers (ISP), or based on cookies linked to your devices or account for which Flourish MFB shall not be liable. You acknowledge that Flourish MFB is not responsible for the availability of, or the content located on or through, any External Site neither do we confirm the genuineness/authenticity of information provided through the links.

Considering the reality of computer viruses affecting the Internet, it is your responsibility to scan any and all downloaded materials received from the Internet. Flourish MFB shall not be responsible or liable for any damage caused by such hazards. Without limiting the foregoing,Flourish MFB assumes no responsibility for, and will not be liable for any damages relating to or caused by any viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from, the Website.

For any inquiries, clarification or assistance on Flourish MFB, contact info@flourishmfb.com

UPDATE AND CHANGES TO THESE TERMS

We reserve the sole right to modify the Terms and our Privacy Policy in its entirety or a part thereof without prior permission from you or informing you. This relationship creates a contractual and legal duty on you to periodically check the Terms and stay updated on its requirements. If you continue to use the Services following such a change, this is deemed as consent by you to the so amendedTerms

COPYRIGHT AND INTELLECTUAL PROPERTY OWNERSHIP

This Website is owned and maintained by Flourish MFB for the dissemination of information on the bank available services. Flourish MFB owns and claims all content including this Agreement on our websites, applications and all other Platforms, including but not limited to designs, text, graphics, pictures, video messages, video, information, software, music, source code, software compilations, sound and other files, and their selection and arrangement (“Contents”), as theBank’s proprietary property with all rights reserved. No Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without Flourish MFB’s prior written permission. Any use of the Applications or the Applications Content without the prior written permission of Flourish MFB, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. Flourish MFBshall be entitled to claim all damages and infringement caused by such unauthorized use including costs of instituting such actions.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless Flourish MFB and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third-party. The persons indemnified hereunder reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

Your use of the Website is at your own risk. The Services and all information, content, materials, products (including software) and other services included on or otherwise made available to you are provided by Flourish MFB on an “As is” and“As available” basis, unless otherwise specified in writing.Flourish MFB makes no representation 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, unless otherwise specified in writing. You expressly agree that your use of the Services and applications is at your sole risk.

To the fullest extent permissible by law, FFlourish MFB disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness of its banking services. We expressly disclaim any liability for errors and omissions regarding the information and materials contained in the Website. We do not guarantee the accuracy or completeness of the information contained in this Website or its suitability for any purpose.

Flourish MFB will not be liable for any damages of any kind arising from the use of the Services, but not limited to direct, indirect, incidental, punitive, and consequential damages, unless otherwise specified in writing. In no event shall Flourish MFB, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for 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), strict liability or otherwise, arising from your use of any of the services or any procured using the services, or for any other claim related in any way to your use of the Services or any products.

FURTHER COMMUNICATION AND COOKIES

You understand and agree that by visiting our website, we may have access to your internet ID including Device information, email and other unique information by default. We assure you of the privacy of your personal information in line with our privacy policy. Be aware that we may correspond with you by email which will not include your personal account information such as your BVN or bank account numbers. We will use your email address and the content of any email for correspondence purposes only. On occasion, we may use your email address to send you communications with information about service and product information that we believe may be of interest to you. If you do not want to receive such unsolicited communications from us, please send us a message to this effect. We also welcome your email correspondence however, take note that Internet and email communications may be breached and we shall not be responsible or liable for such breaches and damages therefrom.

GOVERNING LAW AND DISPUTE RESOLUTION

This agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard or giving effect to any principles or conflict laws that provide for the application of the law of any other jurisdiction. Any dispute, demand, claim, or cause of action shall be settled exclusively through binding and confidential arbitration taking place in Lagos, Nigeria.