Terms and Conditions - Advans Nigeria

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url(https://www.advansnigeria.com/wp-content/uploads/sites/3/2024/05/Terms-and-conditions-banner.png) no-repeat center top; background-size: cover;"> <div class="container-1130"> <div class="row"> <div class="col-lg-12 col-md-12 col-sm-12 col-12 hero-slide-item-in-hp"> <div class="hero-slide-img-hp" style="background: url(https://www.advansnigeria.com/wp-content/uploads/sites/3/2024/05/Terms-and-conditions-banner.png) no-repeat center top; background-size: cover;"></div> <div class="hero-slide-text-hp"> <h1><strong>Terms and Conditions</strong></h1> </div> </div> </div> </div> </div> </div> <div id="" class="IArticle-block-main-saip"> <div class="container"> <div class="row"> <div class="col-lg-12 col-md-12 col-sm-12 col-12 IArticle-block-in-saip"> <div class="container-1130"> <div class="IArticle-info-text-saip"> <p><strong>ADVANS NIGERIA MOBILE BANKING APPLICATION TERMS AND CONDITIONS</strong></p> <p>Please read these Terms and Conditions carefully.</p> <p> </p> <p><strong>DEFINITIONS OF TERMS:</strong></p> <p>In these terms and conditions the following “words” shall have the following meaning:</p> <p>“Adspire” means the brand name of Advans La Fayette Microfinance Bank’s mobile application.</p> <p>“Agreement” means Terms and Conditions.</p> <p>“App/application” means Mobile Banking Application.</p> <p>“App store” means an online store or market place from where the App will be downloaded.</p> <p>“Customer/you” means the person who holds the account with the bank.</p> <p>“Bank/we” mean Advans Lafayette Microfinance Bank Limited licensed by Central Bank of Nigeria.</p> <p>“MSP” means any mobile service provider through which the customer or the bank receives the services as notified by Bank.</p> <p>“Password” means secret combination of code of 08 alphanumerical characters by the customer that is used to confirm his/her identity whenever he/she log on to the mobile app.</p> <p>“PIN” means the six – digit pin (Personal Identification Number), a secret personal identification number chose by the customer authentication/verification by bank of his/her identity in order to confirm transaction initiated.</p> <p>“FAQ” means Frequently Asked Questions</p> <p>“Service” means the Bank Mobile Banking services through the mobile banking application</p> <ol> <li><strong>ACCEPTANCE OF TERMS OF USE</strong></li> </ol> <p>By accessing, the App you accept and agree to be bound by the Terms and Conditions stated hereunder. Please read carefully.</p> <p> </p> <ol start="2"> <li><strong>ACCESS TO THE MOBILE BANKING APPLICATION</strong></li> </ol> <p>We give you the access to use the app on the mobile device that you own, control or use subject to these terms and conditions and any usage rule set out in the term of services of the supplying app store.</p> <p> </p> <p>This access will take effect when you have downloaded the app and logged on for the first time and continue until ended as setup</p> <p> </p> <ol start="3"> <li><strong>USAGE OF THE APP.</strong></li> </ol> <p>The App allows you access the services/you must set up password at the start. You will need this password each time you log in. You must also set up app pin during onboarding, you will need this pin to validate your transaction initiated from the app</p> <p> </p> <p>You must keep your password and pin secret at all times and will be solely responsible for the consequences in case failure to adhere to the above and or in case any unauthorized use of your logging detail.</p> <p> </p> <ol start="4"> <li><strong>SERVICES AVAILABLE WITHIN THE APP</strong></li> </ol> <p>You can perform the following services on the app:</p> <p> </p> <ul> <li>View your account balances and transaction history</li> <li>Make payment to people or organization in Nigeria that are linked with the app (bill payment service</li> <li>Transfer money between your Bank account to other account maintained with the Bank, as well as to account maintained with other Bank</li> <li>purchase prepaid phone credit (airtime top up service)</li> <li>Set up your logging detail and</li> <li>Gain access to FAQ and Bank contacts</li> <li>Request for Adspire debit card for easy accessibility to fund at any time from any where</li> <li>Digital account opening</li> <li>Digital loan called Instanta loan for borrowers and depositors</li> <li>Lifestyle features for movies, sport, travelling and betting site etc.</li> <li>Chat bot features for robotic response to customers’ enquiries</li> </ul> <p> </p> <ol start="5"> <li><strong>WHAT YOU MUST AVOID</strong> <ul> <li>You must not use the mobile app for any other purposes than specified in (4) above</li> <li>You must not copy or reproduce any part of the app or alter, modify or adapt all or any part of the app.</li> <li>You must not remove or tamper with any copyright notice attached to or contained within the app.</li> <li>You must not carry out reverse engineering of the app.</li> </ul> </li> </ol> <p><strong> </strong></p> <p>All ownership of the app remains with the Bank; copyright in the pages, screen, information and all materials in their arrangement, included in the app, unless otherwise stated.</p> <p> </p> <ol start="6"> <li><strong>THE PIN /PASSWORD</strong> <ul> <li>The Customer understands that his/her PIN / Password is used to give instructions to the Bank and accordingly undertakes:</li> <li>That under no circumstances shall the PIN /Password be disclosed to anybody.</li> <li>Not to write the PIN /Password in an open place in order to avoid third party coming across same.</li> <li>The customer instructs and authorizes the Bank to comply with any instructions given to the Bank through the use of the service.</li> <li>Once the Bank is instructed by means of the customer’s PIN/Password, the Bank is entitled to assume that those are the instructions given by the customer and to rely on the same.</li> <li>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 PIN/Password if by any means the PIN/Password becomes known to a third party.</li> <li>Where a customer notifies the Bank of his/her intention to change his/her PIN/Password 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 PIN/Password PROVIDED THAT the Bank shall not be responsible for any loss that occurs between the period of such loss of memory of the PIN/Password or knowledge of a third party and the time the report is lodged with the Bank.</li> <li>Once a customer’s PIN/Password code is given, it shall be sufficient confirmation of the authenticity of the instruction given.</li> <li>The customer shall be responsible for any instruction given by means of the customer’s PIN/Password. Accordingly, the Bank shall not be responsible for any fraudulent, duplicate or erroneous instructions given by means of the customer’s PIN/Password.</li> </ul> </li> </ol> <p> </p> <ol start="7"> <li><strong>CUSTOMER’S RESPONSIBILITY</strong> <ul> <li>The customer undertakes to be absolutely responsible for safeguarding his username, PIN, and password, and under no circumstance shall the customer disclose any or all of<br /> these to any person.</li> <li>That under no circumstances shall the PIN /Password be disclosed to anybody.</li> <li>Not to write the PIN/ /Password in an open place in order to avoid third party coming across same.</li> <li>The customer undertakes to ensure the secrecy of his PIN and password by not reproducing same in any manner whatsoever either in writing or otherwise capable of making it<br /> known to persons other than the customer.</li> <li>The customer shall keep his/her security details unique to the mobile Banking app.</li> <li>The customer shall log out of the App once he/she stops using the App. In particular, not leaving the app running on background while logged in, while multitasking or running other applications.</li> <li>The Bank is expressly exempted from any liability arising from unauthorized access to the customer’s account and/or data as contained in the Bank’s records via the service, which arises as a result of inability and/or otherwise of the customer to safeguard his PIN and/or password and/or failure to log out of the system completely by allowing on-screen display of his account information.</li> <li>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 6.1 & 6.3 above, and/or instances of breach of such duty by hackers and other unauthorized access to the customer’s account via the service.</li> <li>The Customer access code and password must be changed immediately it becomes known to anyone else and therefore the customer is under a duty to notify the Bank whenever his/her access code and/or password has become known to another person.</li> <li>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 PIN and/or password being used by a third party<br /> and other unauthorized access.</li> <li>If the customer know or suspect that someone else knows his/her security details, or has used or tried to use them or if the customer’s mobile device is lost or stolen, the customer must notify the Bank without delay by calling us on 07000238267 or chat us on WhatsApp on 08151770000.</li> <li>The App may only be installed and used by the customers of the Bank. The customer confirms that:</li> </ul> </li> <li>He/she is not located in a country subject to an embargo or that has been designated as a “terrorist supporting ” country and</li> <li>You are not listed among prohibited or restricted parties on any United Nation(UN) sanction.</li> </ol> <p> </p> <ol start="8"> <li><strong>THIRD PARTY SERVICE PROVIDERS</strong> <ul> <li>The Bank may employ third party companies and individuals to facilitate our Services, to provide the Services on the Bank’s behalf, to perform certain services or to assist the Bank in analyzing how the Services are used.</li> <li>These third parties may have access to your Personal Data for the sole purpose of performing these tasks on behalf of the Bank and are obligated not to disclose or use it for any other purpose.</li> </ul> </li> </ol> <p> </p> <ol start="9"> <li><strong>DAMAGES </strong><br /> Under no circumstances will the Bank be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this service or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation, transmission, computer virus or line or system failure, even if the Bank or its representatives thereof are advised of the possibility of such damages, losses or hyperlink to other internet resources.</li> </ol> <p> </p> <p>The Bank shall not be held liable for any dispute that may arise between you and MSP and makes no representation or gives no warranty with respect to the quality of the service provided by the MSP.</p> <p> </p> <ol start="10"> <li><strong>INDEMNITY</strong><br /> The customer agrees to protect and fully compensate the Bank, its directors, employee, and its subsidiaries 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 the customer’s account, of any intellectual property or other right of anyone.</li> </ol> <p> </p> <ol start="11"> <li><strong>LIMITATION OF LIABILITY</strong> <ul> <li>The Bank will make reasonable effort to provide the service.</li> <li>The Bank shall not be held liable/responsible for any failure to provide the service, in part or in full due to abnormal or unforeseen circumstance. This includes but not limited to any phone network failure, in the case of mobile network, where you are not in an area of mobile coverage</li> <li>The App is provided “as is” with no representation guarantee or agreement of any kind as to its functionalities. The Bank cannot guarantee that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile device.</li> <li>The Bank shall not be responsible for any loss the customer may incur as a result of this.</li> </ul> </li> </ol> <p> </p> <ol start="12"> <li><strong>USE OF LOCATION DATA</strong></li> </ol> <p>Certain services use information about your physical location sent from your mobile device (e.g GPS Signals) if you use these services, you consent to the Bank, its partners, Google, and Apple accessing, monitoring, transmitting, collecting, maintaining, disclosing, processing and using your location data to enable google to provide the relevant functionality in accordance with the terms and conditions and privacy policy of this app and those of google. you will be asked to consent to the used of location services when you download the banking SATM/branch finder tools. you may withdraw this consent at any time by turning off the location service setting on your mobile service.</p> <p> </p> <ol start="13"> <li><strong>SUSPENSION OF THE APP.</strong></li> </ol> <p>The Bank reserves the right to suspend your use of the App at any time. This will however only be done when the Bank thinks it is reasonably necessary in the circumstances.</p> <p> </p> <p>The Bank would usually notify you in advance of any suspension. Notice will however not be given if it would compromise reasonable security measures or it is deemed by the Bank to be unlawful. Occasionally, the Bank may not be able to contact you to give advance notice.</p> <p> </p> <p>If you have entered incorrect log on details on internet banking or mobile or mobile banking platform on several occasions, the Bank will suspend your access to the App. If this happens, you can reset your log in details by contacting the Bank’s customer care officer on 07000238267 or WhatsApp on 08151770000.</p> <p> </p> <ol start="14"> <li><strong>DEACTIVATION OF APP USAGE </strong> <ul> <li>You can deactivate your usage of the App at any time by contacting the Bank through telephone or in branch and by deleting the App from your mobile device.</li> <li>The Bank can deactivate your usage of the App in the following situations:</li> </ul> </li> <li>You have not used the App for 12 months; in which case you will have to reactivate your mobile banking user ID in order to use the app again.</li> <li>You have breached any of these Terms and Conditions or the product terms including where you are or the Bank reasonably suspect that you may be using or allowing someone else to use your account for an illegal purpose or the Bank reasonably suspect you may be acting fraudulent or your usage of the App may otherwise reasonably be deemed to be unacceptable or you were not authorised to download the app or you copied or reproduced in any way the app or any part of it, or the Bank has reasonable ground to suspect that your security details have not been kept safe, or the Bank has reasonable ground for believing you committed or are about to commit a crime in connection with your account or you have not satisfied any anti money laundering requirements</li> <li>There has been or the Bank suspects that there has been fraud involving any of your account with the Bank or there has been or the Bank suspects that there has been suspicious activity on your account or the Bank has reasonable ground to suspect unauthorized or fraudulent use of your security detail or</li> <li>The App is withdrawn by the manufacturer of your mobile device operating system or any intermediary or the Bank stops supporting the app on your mobile device or the operating system it runs or you stop holding any account, product or service in respect of which the App may be used, or the Bank reasonably consider that by continuing the contract, the Bank may infringe upon any law, regulation, code, court order or other duty or be exposed to action or censure from the government. regulator or law enforcement agency.</li> </ol> <p> </p> <ul> <li>The Bank may by SMS, a message when you log onto the App or any other way notify you that your App usage has been deactivated.</li> </ul> <p> </p> <ol start="15"> <li><strong>USAGE FEE </strong> <ul> <li>The Bank does not charge for the use of the App, however your MSP may charge you to access the App when you are outside Nigeria, and you shall solely be responsible for the charges.</li> </ul> </li> </ol> <p> </p> <ul> <li>The Bank shall charge you some fees regarding the transaction performed on the App. Always check the Bank’s mobile banking pricing available in the FAQ to keep updated as it may vary from time to time.</li> </ul> <p> </p> <ol start="16"> <li><strong>ALTERATION/MODIFICATION OF TERMS</strong> <ul> <li>The Bank may modify these terms and conditions from time to time due to regulatory requirements, service providers new terms and business purposes.</li> <li>Notice of these modification shall be communicated by SMS and/or other means. By your continued use of the App after such notification, you consent to the modified terms. You are duty bound to familiarize yourself with the new terms before accepting same.</li> </ul> </li> </ol> <p> </p> <ol start="17"> <li><strong>MISCELLANOUS</strong></li> </ol> <p>If any part of these Term and condition becomes invalid, illegal or unenforceable, it will not affect the validity of the remaining Terms and conditions.</p> <p>The Bank can transfer all or some of our right under these terms and condition to someone else. You cannot transfer any of your right and obligation under these Terms to anyone else.</p> <p> </p> <ol start="18"> <li><strong>WAIVER/RELAXATION: </strong>No relaxation or suspension of any right of the Bank under this Agreement shall be deemed a waiver.</li> </ol> <p><strong> </strong></p> <ol start="19"> <li><strong>GOVERNING LAW:</strong></li> </ol> <p><strong> </strong></p> <p>This Terms and conditions shall be governed and construed in according with the laws of the Federal Republic of Nigeria.</p> <p><strong> </strong></p> <ol start="20"> <li><strong>CUSTOMER’S ACCEPTANCE</strong></li> </ol> <p>This agreement has been read and understood by me. I certify that I am an adult with full contracting capacity and hereby accept to be bound by the terms and conditions of the use of the Bank’s Mobile Banking Application.</p> <p> </p> <p>You consent that the Bank may use, store and share your personal data for marketing purposes and you further consent that the Bank may contact you via mail or sms.</p> </div> </div> </div> </div> </div> </div> </section>   <footer id="footer"> <div class="footer-top-main-hp"> <div class="container"> <div class="row"> <div class="col-lg-12 col-md-12 col-sm-12 col-12 footer-top-in-hp"> <div class="F-logo-address-hp"> <div class="F-logo-hp"> <a href="https://www.advansnigeria.com"> <img src="https://www.advansnigeria.com/wp-content/uploads/sites/3/2024/01/Logo-Adavns-1.svg" alt="" /> </a> </div> <div class="F-address-hp"> <p><strong>Head Office:</strong><br /> 2, Adekunle Fajuyi Road, Dugbe,</p> <p>Ibadan, Oyo State, Nigeria.</p> <p> </p> <p><strong>Correspondence Office: </strong></p> <p>256, Agege Motor Road, Mushin,</p> <p>Lagos State, Nigeria.</p> </div> </div> <div class="F-other-links-hp"> <ul> <li><a href="https://www.advansnigeria.com/explore-rewarding-career-opportunities/">Careers</a></li> <li><a href="https://www.advansgroup.com/">Group website</a></li> <li><a href="https://www.advansnigeria.com/privacy-policy/">Privacy Policy</a></li> <li><a href="https://www.advansnigeria.com/terms-and-conditions/">Terms and Conditions</a></li> <li><a href="https://www.advansnigeria.com/profile-deletion-guide/">Profile Deletion Guide</a></li> </ul> </div> <div class="F-other-links-hp"> <div class="F-links-title-hp">Contact us</div> <ul> <li> <a href="https://www.advansnigeria.com/contact-us/" target="_self">Our contact page</a> </li> <li> <a href="mailto:contacts@advansnigeria.com">By email</a> </li> </ul> </div> <div class="F-other-links-hp F-social-links-hp"> <div class="F-links-title-hp">Follow us</div> <ul> <li> <a href="https://www.linkedin.com/company/advanslafayette" target="_blank"> <img src="https://www.advansnigeria.com/wp-content/themes/advans/assets/images/social_network_1.svg" alt="" /> </a> </li> <li> <a href="https://www.facebook.com/advansnigeria" target="_blank"> <img src="https://www.advansnigeria.com/wp-content/themes/advans/assets/images/social_network_2.svg" alt="" /> </a> </li> <li> <a href="https://twitter.com/AdvansNigeria" target="_blank"> <img src="https://www.advansnigeria.com/wp-content/themes/advans/assets/images/social_network_7.svg" alt="" /> </a> </li> <li> <a href="https://www.instagram.com/advans_ng/" target="_blank"> <img src="https://www.advansnigeria.com/wp-content/themes/advans/assets/images/social_network_5.svg" alt="" /> </a> </li> <li> <a href="https://www.youtube.com/channel/UCMppUdCVxdKllQw46DrE5jw" target="_blank"> <img src="https://www.advansnigeria.com/wp-content/themes/advans/assets/images/social_network_6.svg" alt="" /> </a> </li> </ul> </div> </div> </div> </div> </div> <div class="clearfix"></div> <script> tarteaucitron.user.tawktoWidgetId = '1i30m87fu'; 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