These Terms and Conditions ("T&C") govern your utilization and access to all products, subscriber-based services, mobile applications ("Services"), and websites provided by Imo State Microfinance Bank Nigeria Limited ("Imo State Microfinance Bank") or its various branches or affiliates. They establish a legally binding agreement between you and Imo State Microfinance Bank. Prior to accessing any of our Services, it is imperative that you thoroughly read and comprehend these T&Cs. It is crucial to acknowledge that these T&Cs are applicable to each instance of your use and access of our Services. Additionally, your usage of our Services is constantly subject to our Privacy Policy, which we strongly advise you to meticulously read and review.
ACCEPTING THESE T&Cs
By utilizing or accessing our Services, you affirm that you have carefully read and comprehended these T&Cs and our Privacy Policy, and you consent to be legally bound by both documents. If you do not consent to the T&Cs and our Privacy Policy, refrain from using or accessing our Services.
NO ENDORSEMENT
Imo State Microfinance Bank does not guarantee or endorse the accuracy or reliability of any content posted within any interactive area. You acknowledge that any reliance on such content is solely at your own risk. The views expressed in any content posted within interactive areas belong solely to the user posting the content and do not necessarily reflect the views of Imo State Microfinance Bank.
Our Services may include links to websites on the internet that are owned and operated by third parties (referred to as "External Sites"). You acknowledge that Imo State Microfinance Bank bears no responsibility for the availability or content of any External Site. Should you have any concerns regarding such links or the content of External Sites, it is recommended that you reach out to the site administrator or webmaster of those External Sites directly.
CHANGE OF THESE T&Cs
We retain the exclusive authority to amend the T&Cs and our Privacy Policy without prior notification or consent from you. This arrangement establishes a contractual and legal obligation on your part to regularly review the T&Cs and remain informed about any updates or modifications. Your continued use of the Services subsequent to such changes will be construed as your acceptance of the revised T&Cs.
OWNERSHIP OF INTELLECTUAL PROPERTY
All content featured on our websites and applications, encompassing but not limited to designs, text, graphics, images, video messages, videos, information, software, music, source code, software compilations, sound, and other files, along with their selection and arrangement (referred to as "Contents"), are the exclusive proprietary assets of Imo State Microfinance Bank, with all associated rights reserved. No part of the Content may be altered, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold, in whole or in part, without the prior written consent of Imo State Microfinance Bank. Republishing any Content on any Internet, Intranet, or Extranet site, or integrating the information into any other database or compilation, is strictly prohibited. Any utilization of the Applications or the Applications Content beyond what is expressly authorized herein, without prior written permission from Imo State Microfinance Bank, is strictly prohibited and will result in the termination of the license granted herein. Such unauthorized usage may also constitute a breach of applicable laws, including but not limited to copyright and trademark laws, as well as relevant communications regulations and statutes. Unless explicitly stated herein, these T&Cs do not grant any license to intellectual property rights, whether implied, precluded, or otherwise.
INDEMNIFICATION
You agree to indemnify, defend, and hold Imo State Microfinance Bank, as well as our parent company, 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 from your violation of these T&Cs or the documents referenced herein, or your infringement of any law or the rights of a third party. The parties indemnified under this provision retain the right to assume exclusive defense and control over any matter subject to indemnification by you, in which case you agree to cooperate in asserting any available defenses.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
The Services, along with all information, content, materials, products (including software), and other offerings provided to you by Imo State Microfinance Bank, are provided on an "As is" and "As available" basis, unless otherwise explicitly stated in writing. Imo State Microfinance Bank makes no representations or warranties of any kind, whether express or implied, regarding the operation of the Services or the information, content, materials, products (including Software), or other offerings provided to you, unless otherwise specified in writing. You expressly agree that your use of the Services and applications is solely at your own risk.
To the fullest extent permitted by applicable law, Imo State Microfinance Bank disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose. Imo State Microfinance Bank shall not be liable for any damages of any kind arising from the use of the Services, including but not limited to direct, indirect, incidental, punitive, and consequential damages, unless otherwise specified in writing. In no event shall Imo State Microfinance Bank, 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 but not limited to 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 products procured using the services, or for any other claim related in any way to your use of the Services or any products.
GOVERNING LAW AND DISPUTE RESOLUTION
These T&Cs, along with any additional agreements through which we provide you with Services, shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria, without consideration of principles of conflict of laws that might direct the application of the law of another jurisdiction. Any dispute, demand, claim, or cause of action shall be exclusively resolved through binding and confidential arbitration. The arbitration proceedings will be conducted in Imo, Nigeria.