1. Introduction

Welcome to the website of Novel Microfinance Bank Limited ("the Bank," "we," "our," or "us"). By accessing or using this website, you agree to comply with and be bound by these Terms and Conditions.

2. About the Bank

Novel Microfinance Bank Limited is a duly registered financial institution licensed by the Central Bank of Nigeria (CBN) to provide microfinance banking services in accordance with applicable laws and regulations.

3. Use of the Website

This website is provided for informational purposes only. By using this website, you agree:

• To use it only for lawful purposes.
• Not to engage in fraudulent, abusive, or harmful activities.
• Not to attempt unauthorized access to our systems or data.
• Not to upload or transmit malicious software.

The Bank reserves the right to restrict or terminate access for misuse.

4. No Financial Advice

The information provided on this website does not constitute financial, investment, legal, or professional advice. Customers are encouraged to seek independent professional advice before making financial decisions.

5. Accuracy of Information

While we strive to ensure that all information is accurate and up to date:

• The Bank does not guarantee completeness or accuracy.
• Product features, interest rates, and terms may change without notice.
• Errors or omissions may occur.

6. Products and Services

All banking products and services are subject to:

• Applicable laws and regulations.
• The Bank's internal policies.
• Specific product terms and conditions.
• Approval and eligibility requirements.

Opening an account or obtaining financial services may require additional documentation and verification.

7. Intellectual Property

All website content including:

• Logos
• Text
• Graphics
• Images
• Designs
• Software

are the property of Novel Microfinance Bank Limited or its licensors and are protected by applicable intellectual property laws.

8. Privacy and Data Protection

Use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of information in accordance with our Privacy Policy and applicable data protection laws.

9. Third-Party Links

This website may contain links to third-party websites. The Bank:

• Does not control external websites.
• Is not responsible for their content or policies.
• Does not endorse third-party services unless expressly stated.

Access to third-party websites is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, Novel Microfinance Bank Limited shall not be liable for:

• Direct or indirect losses
• Loss of data
• Loss of profits
• Service interruptions
• Website unavailability
• Errors or inaccuracies

11. Security

While we implement reasonable security measures, the Bank does not guarantee:

• That the website will be free from viruses or cyber threats.
• Uninterrupted or error-free operation.

Users are responsible for maintaining their own cybersecurity protections.

12. Changes to Terms

The Bank reserves the right to modify these Terms and Conditions at any time. Updated terms will be posted on this page with a revised effective date.

13. Governing Law

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

Any disputes arising from the use of this website shall be subject to the jurisdiction of Nigerian courts.