Legal Disclaimer:

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, subscribe to the newsletter, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number, Pafcun. We will collect personal identification information from Users only if they voluntarily consent such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.

The Passcode/Access Code/Password

  1. The Customer understands that his/her Passcode, Access Code/ Password is used to give instructions to the bank and accordingly undertakes:
  2. That under no circumstances shall the Passcode, Access Code/Password be disclosed to anybody.
  3. Not to write the Passcode, Access Code/Password in an open place in order to avoid third party coming across same.
  4. The customer instructs and authorizes the bank to comply with any instructions given to the bank through the use of the service.
  5. Once the bank is instructed by means of the customer’s Passcode, Access code, and PIN the bank is entitled to assume that those are the instructions given by the customer and to rely on the same.
  6. The bank is exempted from any form of liability whatsoever for complying with any or all instruction(s) given by means of the customer’s Passcode, Access code if by any means the Passcode, Access code becomes known to a third party.
  7. Where a customer notifies the bank of his intention to change his Passcode, Access code arising from loss of memory of same, or that it has come to the notice of a third party, the bank shall, with the consent of the customer, delete same and thereafter allow the customer to enter a new Passcode, Access code PROVIDED THAT the bank shall not be responsible for any loss that occurs between the period of such loss of memory of the Passcode, Access code or knowledge of a third party and the time the report is lodged with the bank.
  8. Once a customer’s Passcode/Access code is given, it shall be sufficient confirmation of the authenticity of the instruction given.
  9. The customer shall be responsible for any instruction given by means of the customer’s Passcode/Access code.
  10. Accordingly, the bank shall not be responsible for any fraudulent, duplicate or erroneous instructions given by means of the customer’s Passcode/Access code.

Limitations of Liability

Customer agree that the bank will not be liable for any liability, whether 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 we have been advised of the possibility of such damages,resulting from:

  • The use or the inability to use the service
  • The cost of getting substitute goods and service resulting from any products,data, information or services purchased or obtained or messages received or transactions entered into through or from the service;
  • Unauthorised access to or alteration or your transmission of data;
  • Statements or conduct of anyone on the service; or
  • Any other matter relating to the service.
  • Highly professional administration.

Electronic Virus or Viruses

The bank shall not be responsible for any electronic virus or viruses that the customer may encounter in course of making use of this service.


Copyright in the pages and in the screens displaying the pages, and in the information and material therein and arrangement is owned by the bank.

Service Changes and discontinuation

The bank reserve the right to change or discontinue, temporarily or permanently, the service at any time without notice. In other to maintain the security and integrity of the service the bank may also suspend customer’s access to the service at any time without notice. Customer agrees that the bank will not be liable to the customer or any third party for any modification or discontinuation of the service.

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