Terms of Use
How To Use Our Website and Services
These terms and conditions govern the usage of the 9 Payment Service Bank e-Banking Service. Your use of our website or services is subject to these terms, and it’s important to understand them as they impact your legal rights. Therefore, we urge you to read these terms carefully in conjunction with our Privacy Policy.
Definitions
Customer: Refers to a customer of 9 Payment Service Bank who possesses or operates an account with the bank and is named in the application form. If two individuals are named, either or both are considered customers.
The Bank: 9 Payment Service Bank
Service: Denotes the 9 Payment Service Bank USSD banking, Agent Banking, bills payment services, and other services provided to our customers.
Access Code, Passcode, Username, and Password: These terms refer to the enabling code that grants you access to the system and is known solely to you.
Account: Represents a current or savings account or any other account maintained with the bank at any of our branches in Nigeria.
PIN: Your personal identification number.
Mailing Address: The customer’s mailing address in the bank’s records.
Instruction: Signifies the customer’s request to the bank for services.
Service Description
Our service allows you, the Customer, to instruct the bank using telephone, PIN, Password, Access code, and Username for various purposes, including:
- Obtaining information about your account balances as of the last business day with the bank.
- Checking information related to any items in clearing or any credit standing in your account as of the last transaction date.
- Authorizing the bank to debit your account for specified utility bill payments or other bills specified by you.
- Authorizing fund transfers from your account to any other account within the bank.
- Requesting a stop payment order.
- Authorizing the bank to debit your account and load it onto a value card.
Upon receiving your instructions, the bank will make every effort to promptly execute them, except in cases of unforeseen circumstances such as Acts of God, Force Majeure, and other factors beyond the bank’s control.
Before using this service, you must have one or a combination of the following:
- An account with the bank
- A Passcode, access code, username, and password
- A touch-tone telephone/GSM handset and computer
- A Personal Identification Number (PIN)
Under no circumstances should you allow anyone else access to your account through this service.
The Passcode/Access Code/Password
You understand that your Passcode, Access Code, and Password are used to instruct the bank and, therefore, agree to:
- Never disclose your Passcode, Access Code, or Password to anyone under any circumstances.
- Avoid writing your Passcode, Access Code, or Password in an open and accessible place to prevent unauthorized access.
- Instruct and authorize the bank to comply with instructions given using your Passcode, Access Code, and PIN, with the bank assuming that these instructions are given by you and relying on them.
- Acknowledge that the bank is exempt from liability for complying with instructions given using your Passcode, Access Code if your Passcode, Access Code becomes known to a third party by any means.
- If you need to change your Passcode/Access Code due to loss of memory or third-party knowledge, you must notify the bank. The bank may delete it and allow you to enter a new one, but it will not be responsible for any losses that occur during the transition period.
- Once you provide your Passcode/Access Code, it serves as sufficient confirmation of the authenticity of the instruction given, and you are responsible for any instructions made using it. Therefore, the bank is not liable for any fraudulent, duplicate, or erroneous instructions made using your Passcode/Access Code.
Customer's Responsibility
You are responsible for safeguarding your username, access code, passcode, PIN, and password, and you should never disclose them to anyone. Additionally:
- Do not reproduce your access code, passcode, PIN, or password in any manner, whether in writing or otherwise, to prevent others from gaining access.
- The bank is exempt from any liability arising from unauthorized access to your account and data contained in the bank’s records via this service due to your inability to safeguard your PIN, Passcode/Access code, and Password or failure to log out of the system correctly, thereby displaying your account information.
- The bank is also relieved of liability regarding the breach of secrecy duty resulting from your failure to adhere to the provisions mentioned above or instances where hackers gain unauthorized access to your account via this service.
- You must change your access code and/or passcode immediately if it becomes known to anyone else. Notify the bank when this occurs, and with your consent, the bank will delete it, allowing you to create a new one. However, the bank is not responsible for any losses that occur during the period between the access code, passcode, or password becoming known to a third party and your reporting it to the bank.
- You are responsible for any fraud, loss, or liability to the bank or third parties resulting from the use of your access code, passcode, PIN, or password by a third party or any other unauthorized access. The bank is not responsible for any fraud arising from the usage of your access code, passcode, PIN, or password.
Monthly Fee and/or Usage Fee
Upon enrolling for the service, you may be charged applicable monthly fees and/or usage fees when you use the service during the relevant period.
Damages
The bank shall not be liable for any damages, including but not limited to direct or indirect, special, incidental, or consequential damages, losses, or expenses resulting from various factors, including the use or inability to use the service, transmission errors, computer viruses, system failures, or any other matter related to the service.
Indemnification
Except in cases of the bank’s intentional misconduct or gross negligence, you agree to protect and fully compensate the bank, its Subsidiaries, and service providers from any third-party claims, liabilities, damages, expenses, and costs (including legal fees) arising from your use of the service, violation of the terms, or infringement by any other user of your account of any intellectual property or other rights.
Service Changes and Discontinuation
The bank reserves the right to change or discontinue the service, temporarily or permanently, at any time without notice. To maintain the security and integrity of the service, the bank may suspend your access without notice. The bank is not liable for any modification or discontinuation of the service.
Other Terms
The bank is not considered an agent or legal representative of you for any purpose due to this agreement or any other party using this service.
This agreement cannot be changed by you, and none of the bank’s rights can be waived unless agreed to in writing by the bank or you continue to use the service after receiving notice of proposed changes by the bank.
This agreement is personal to you and cannot be assigned to anyone.
All notices to you will be in writing via the address you provided to the bank, and all notices to the bank must also be made in writing to the bank’s address.
Copyright
Copyright in the pages, screens, information, and material on this website is owned by the bank.
Electronic Virus or Viruses
The bank is not responsible for any electronic viruses that you may encounter while using this service.
Rules of the Road
For the benefit and security of our customers and to comply with applicable laws, we have mandatory guidelines called “rules of the road.” Any conduct violating these rules may result in the termination of this service by the bank. Therefore, you agree to:
- Provide accurate information and not misrepresent your identity or information.
- Use the service for lawful purposes, avoiding the transmission of unlawful, harassing, libelous, invasive, abusive, threatening, or obscene materials or any materials that infringe on others’ rights.
- Refrain from making commercial use of the service.
- Acknowledge that the bank owns all rights to this website and its content. You may use this content only as authorized by the service. You may not copy, reproduce, distribute, or create derivative works from this content.
Limitations of Liability
You agree that the bank will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, or other intangible losses, even if the possibility of such damages has been advised, resulting from:
The use or inability to use the service.
The cost of getting substitute goods and services because of products, data, information, or services purchased or obtained, or messages received, or transactions entered through the service.
- Unauthorized access to or alteration of your transmitted data.
- Statements or conduct of anyone on the service.
- Any other matter relating to the service.
- Service Changes and Discontinuation
The bank reserves the right to change or discontinue the service at any time without notice. The bank may also suspend your access to the service without notice. You agree that the bank will not be liable for any modification or discontinuation of the service.
Indemnification
With the exception of cases involving intentional misconduct or gross negligence by the bank, the customer agrees to protect and fully indemnify the bank, its subsidiaries, and service providers against any and all claims, liability, damages, expenses, and costs (including, but not limited to, legal fees) arising from or caused by the customer’s use of the service, violations of the terms, or infringements upon the intellectual property or other rights of any third party, even if such claims are brought by third parties.
Changes and Discontinuation of Service
The bank reserves the right to modify or discontinue the service, either temporarily or permanently, at any time without prior notice. To uphold the security and integrity of the service, the bank may also suspend the customer’s access to the service at its discretion without prior notice. The customer acknowledges that the bank shall not be held liable to them or any third party for any alterations or discontinuation of the service.
Other Provisions
The bank shall not be construed as an agent or legal representative of the customer for any purpose because of this agreement, or for any other party whom the customer utilizes this service to make payments to.
This agreement cannot be altered by the customer, and none of the bank’s rights can be waived unless such changes are agreed upon in writing by the bank, or if the customer continues to use the service after receiving notification of proposed changes by the bank.
This agreement is specific to the customer and may not be assigned to any other party.
All notifications to the customer will be communicated in writing to the address provided by the customer to the bank. All notifications to the bank must be in written form and sent to the bank’s designated address.
The bank and the customer shall maintain an independent contractor relationship, and nothing contained in this agreement shall be interpreted as establishing any association, partnership, joint venture, or any principal-agent, master-servant, employer-employee relationship between the parties involved.