Terms and Conditions
Welcome to the website of Premier Microfinance Bank Limited (“the Bank”, “we”, “our”, “us”). By accessing, browsing, or using this website and any of our products or services, you agree to be bound by these Terms and Conditions. If you do not agree, please discontinue use of the website and our services.
Use of Website
This website is provided for general information and customer convenience. Users agree to:
Use the website for lawful purposes only
Refrain from unauthorised access, misuse, or interference with the website
Not transmit any harmful, malicious, or unlawful content
The Bank reserves the right to restrict or terminate access to the website at any time without prior notice.
Banking Services
All banking products and services offered by the Bank are subject to:
Applicable laws and regulations
Central Bank of Nigeria (CBN) guidelines
Specific terms governing each product or service
The Bank may modify, suspend, or withdraw any product or service at its discretion, subject to regulatory requirements.
Account Opening and Operation
Customers must provide accurate and complete information during account opening and at all times thereafter. The Bank reserves the right to:
Verify customer information
Decline account opening where regulatory requirements are not met
Suspend or close accounts in accordance with applicable laws
Customers are responsible for maintaining the confidentiality of their account details.
Electronic and Digital Banking
The Bank provides electronic banking services including mobile banking, USSD, POS, and other digital channels. While reasonable measures are taken to ensure service availability, the Bank shall not be liable for:
System downtime or technical failures
Network or third-party service interruptions
Losses arising from unauthorised access due to customer negligence
Fees and Charges
All applicable fees, charges, and interest rates are communicated to customers in line with regulatory requirements. The Bank reserves the right to review fees and charges subject to prior notice and regulatory approval where applicable.
Intellectual Property
All content on this website, including text, logos, images, graphics, and design elements, are the property of Premier Microfinance Bank Limited and may not be copied, reproduced, or used without prior written consent.
Limitation of Liability
The Bank shall not be liable for any direct, indirect, incidental, or consequential losses arising from:
Use or inability to use the website
Reliance on information provided on the website
Unauthorised access to customer data not caused by the Bank’s negligence
Privacy and Data Protection
Customer information is handled in accordance with the Bank’s Privacy Policy and applicable data protection laws, including the Nigeria Data Protection Regulation (NDPR).
Third-Party Links
The website may contain links to third-party websites. The Bank does not endorse and is not responsible for the content, accuracy, or practices of such external sites.
Amendments
The Bank reserves the right to amend these Terms and Conditions at any time. Changes will be effective upon publication on this website.
Governing Law
These Terms and Conditions are governed by the laws of the Federal Republic of Nigeria. Any disputes arising shall be subject to the exclusive jurisdiction of Nigerian courts.