These Terms and Conditions (“T&Cs”) govern your use and access to all products, subscriber-based services, mobile applications (“Services”), and websites provided by Prisco Microfinance Bank Nigeria Limited (“Prisco Microfinance Bank”), including its branches and affiliates. They form a legally binding agreement between you and Prisco Microfinance Bank.
Before using any of our Services, you are required to carefully read and fully understand these T&Cs. Your use of our Services is also subject to our Privacy Policy, which we strongly encourage you to review.
ACCEPTING THESE T&Cs
By accessing or using our Services, you acknowledge that you have read and understood these T&Cs and the Privacy Policy, and you agree to be legally bound by both.
If you do not agree, kindly discontinue the use of our Services.
NO ENDORSEMENT
Prisco Microfinance Bank does not guarantee or endorse the accuracy or reliability of any content posted within interactive areas. Any reliance on such content is entirely at your own risk.
Opinions expressed within interactive areas belong solely to the users posting them and do not reflect the views of Prisco Microfinance Bank.
Our Services may contain links to third-party websites (“External Sites”). Prisco Microfinance Bank is not responsible for the availability, accuracy, or content of these External Sites. Any concerns should be directed to the administrators of the respective External Sites.
CHANGES TO THESE T&Cs
We reserve the exclusive right to modify or update these T&Cs and our Privacy Policy at any time, without prior notice.
It is your responsibility to review the T&Cs periodically. Continued use of our Services after updates constitutes your acceptance of the revised T&Cs.
OWNERSHIP OF INTELLECTUAL PROPERTY
All content on our websites and applications—including designs, text, graphics, images, videos, information, software, music, source code, compilations, and other materials (“Content”)—are the exclusive property of Prisco Microfinance Bank, with all rights reserved.
You are prohibited from altering, copying, distributing, reproducing, republishing, downloading, displaying, posting, transmitting, selling, or otherwise exploiting any Content without prior written permission from Prisco Microfinance Bank.
Unauthorized use of our Content or Applications may violate copyright, trademark, and other applicable laws, resulting in automatic termination of permissions granted under these T&Cs.
INDEMNIFICATION
You agree to indemnify, defend, and hold Prisco Microfinance Bank, its parent company, subsidiaries, affiliates, officers, directors, employees, agents, contractors, licensors, and service providers harmless from any claims, damages, losses, or expenses—including reasonable legal fees—arising from:
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Your violation of these T&Cs;
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Your infringement of any rights of third parties; or
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Your breach of any applicable laws.
Prisco Microfinance Bank reserves the right to assume exclusive control over any matter for which indemnification is required.
DISCLAIMER OF WARRANTIES & LIMITATION OF LIABILITY
All Services and materials provided by Prisco Microfinance Bank are offered on an “as is” and “as available” basis, except where expressly stated otherwise.
Prisco Microfinance Bank makes no warranties—express or implied—regarding:
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The accuracy or reliability of Service content,
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The uninterrupted or error-free operation of its Services,
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Fitness for a particular purpose,
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Merchantability.
To the fullest extent permitted by law, Prisco Microfinance Bank shall not be liable for:
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Direct, indirect, incidental, punitive, or consequential damages,
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Loss of profits, revenue, savings, data, or business opportunities,
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Claims arising from your use of or inability to use our Services.
GOVERNING LAW & DISPUTE RESOLUTION
These T&Cs and any related agreements shall be governed solely by the laws of the Federal Republic of Nigeria.
All disputes, claims, or controversies shall be resolved exclusively through binding and confidential arbitration conducted in Enugu, Nigeria.