1. Acceptance of Terms

By accessing or using the Umunnachi Microfinance Bank website or mobile app (collectively referred to as "the platform"), you agree to comply with and be legally bound by these Terms and Conditions. If you do not agree, please do not use our services.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use our banking services.

3. Account Responsibility

You are solely responsible for: The confidentiality of your login credentials Activities and transactions carried out through your account Notifying the bank immediately in case of suspected unauthorized access

4. Services Offered

Umunnachi Microfinance Bank offers financial products and services, including but not limited to: Savings and current accounts Loans and overdrafts Mobile and online banking Bill payments and transfers These services are subject to eligibility, internal assessments, and applicable regulatory guidelines.

5. User Conduct

You agree not to: Misuse or interfere with the functionality of the platform Use the platform for fraudulent or illegal activities Upload or transmit malicious software or content Violation may result in suspension or termination of your access.

6. Fees and Charges

Fees for specific services (such as loan processing, transfers, SMS alerts, etc.) will be communicated on the website/app and are subject to change with reasonable notice.

7. Loan and Repayment Terms

Loans are subject to credit evaluation and specific terms including:
Interest rates
Repayment schedules
Default consequences
Full terms are provided within the loan agreement before disbursement.

8. Privacy

Your data privacy is important to us. Please refer to our Privacy Policy for how we collect, use, and protect your information.

9. Limitation of Liability

Umunnachi Microfinance Bank will not be liable for: Indirect, incidental, or consequential damages Errors due to system outages, internet disruptions, or force majeure Unauthorized access caused by failure to secure your credentials

10. Intellectual Property

All content on the platform including logos, graphics, and text is the property of Umunnachi Microfinance Bank and protected under applicable intellectual property laws. You may not copy, reproduce, or distribute without permission.

11. Amendments

We reserve the right to update these Terms and Conditions at any time. Continued use of the platform implies your acceptance of the revised terms.

12. Termination

We may suspend or terminate your access to the platform if: You violate any terms of this agreement There is suspected fraudulent activity Required by law or regulatory directive

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria.

14. Contact Information

For inquiries or support, please contact: Umunnachi Microfinance Bank Ltd
Location: St. Theresa Catholic Cathedral Church, Abakaliki, Ebonyi State
📞 +2349035570731
📧 info@umunnachimfb.com