Terms & Conditions

In this Document, the terms:

“we”, “UBA” or “the Bank” refers to United Bank for Africa Plc;
“you” or “the customer” refers to you, our customer, as a user of any of our
electronic channels or platforms.
“the Platforms” refers to UBA electronic platforms and channels including UBA
ChatBanking, Internet Banking, Mobile Banking and other electronic channels
or platforms provided by UBA.

Each Platform enables you transmit instructions to us electronically and to

receive information from us in relation to your account.

By using any Platform, you hereby confirm and/or warrant that:

 You have read, understood and agreed to be bound by the Terms and
Conditions (T&C) set out herein and such other T & C as UBA may from
time to time publish.
 If you do not agree with any of the T&C, please choose the "Disagree"
option and exit the application.
 Each time you use any Platform, these T&C or such amended version as
may be in force at the time of use of the Platform shall apply
 The Platforms are an extension of the services offered by the Bank for
ease of its customer transactions. Enrolment on and use of any of the
Platforms is optional and at customer’s discretion, subject to the T&C

1 Access to the Platforms

To access any Platform, you will need to register/enrol based on the
operating procedures for the Platform. You are responsible for the
security of your login details for the Platforms other access credentials.
You are also responsible for your email, mobile phone number, your
social media login details that can be used to access your account on
the Platforms or to access credentials that can enable enrolment/use of
the Platforms. Any information delivered to your mobile number or your
email address you provided to the Bank shall be deemed delivered to
you alone. If the Bank receives any instruction as may be required on
any of the Platforms from your Mobile number or your social media
platforms, they shall be deemed to be your instructions.

2. No Warranty
Your use of any of the Platforms is at your own risk. To the extent
permitted by applicable law, the Platforms and any services performed
or provided on the Platform are provided "as is" and "as available". UBA
hereby disclaims all warranties and conditions with respect to the
Platforms and the services available on the Platforms, whether statutory,
expressed, or implied, including but not limited to, the implied warranties
 and/or conditions of merchantability of satisfactory quality of fitness for
a particular purpose of accuracy.
UBA does not warrant against interference with your enjoyment of the
Platforms, that the functions contained in, or services performed or
provided on any Platform will meet your requirements, that the
operation of the application or services will be uninterrupted or error
free, or that defects in the Platforms or services will be corrected.
No oral or written information or advice given by the Bank shall create a
warranty.
Some jurisdictions do not allow the exclusion of implied warranties or
limitations on applicable statutory rights of a consumer, so the above
exclusion or limitation may not apply. In such jurisdictions, this clause shall
be subject to applicable law.

3. Obligation to Secure Access Credentials to the Platforms

You understand that your Device ID, social media profile, mobile phone
number, account number, login details, access credentials and
transaction PIN/OTP/Secure Pass etc can be used to give instructions to
the bank on the Platforms and you accordingly confirm and undertake:
a. to keep your Devices secure and properly passworded and to
notify the Bank immediately you are aware or suspect any
unauthorised access to your phone and other devises or your
social media platforms
b. to prevent unauthorised access to your debit card, its peculiar
details including the full card PAN (Primary Account Number),
expiry date and your PIN (Personal Identification Number)
c. not to disclose any information provided to you by the bank
through your phone or email to anyone and to prevent
unauthorised access to your communication media
d. that UBA is authorized to comply with any instructions received on
any Platforms using your mobile number, social media platforms
and your other access login and user credentials and it is agreed
that such instructions shall be deemed to be your instruction,
unless you have given UBA prior reasonable notice of compromise
of your access credentials and other confidential details
e. You may be required to choose a PIN/code/password that
cannot be easily guessed and which will be known to you alone.
You undertake not to disclose this to anyone. You undertake to
change your PIN immediately you are made aware that it has
become compromised.
f. to notify UBA immediately in the event of any compromise. UBA
shall be exempted from any form of loss or liability whatsoever for
complying with instruction given by means of your mobile number,
platform login details, passwords, account number and
transaction PIN/OTP/Secure Pass and accordingly the bank shall
not be responsible for any fraudulent, duplicate or erroneous
instructions given by means of your PIN/OTP/Secure Pass
 g. UBA Plc is expressly exempted from any liability arising from
unauthorized access to your account and/or data as contained
in the banks records which arises as a result of your inability and/or
otherwise to safeguard login and other access credentials,
passwords, your transaction PIN/OTP/Secure Pass and/or failure to
clear chat history and/or logout of the system completely thereby
allowing on screen display of your account information and any
other compromise, whether deliberate or inadvertent.
h. UBA Plc is further relieved of any liability for loss that may arise as a
result of transfer of ownership or possession of the device used for
enrolment/transactions on the Platform
i. You hereby agree to immediately notify the bank immediately
upon your suspicion that there has been unauthorised access to
your mobile phone number linked to your account or your email
or your social media platforms or the confidentiality of your
transaction PIN and/or registration code are compromised.
Please call our CFC hot-line or e-mail cfc@ubagroup.com
immediately this happens.
j. You shall be responsible for and shall bear liability for any fraud,
loss and/or liability to the bank or third party arising from usage of
your transaction PIN, social media platforms, your mobile phone
number and your access credentials etc on any of the Platforms

4. Transactions on Platforms
Operational procedures, applicable fees and limits vary from Platform to
Platform and any peculiar terms will be indicated on the Platform it
relates to and you agree to be bound by such terms. In the event of any
conflict between the terms set out herein and the terms specifically
indicated on any Platform, the terms on that Platform shall be applicable
with respect to transactions carried out on such Platforms

5. Bill Payments
Certain service providers/vendors/utilities are enabled for payment for
their goods and services on the Platforms and this facility is available with
or without the ability for the Customer to know the details of such bills,
depending on the service provider/vendor/utility company involved.
The Bank shall not be liable or responsible for the accuracy of any bills
and/or details thereof, whether or not the bill was made available on
any Platform. The Bank shall not be responsible for tracking whether the
Customer has made payments through any Platform.

The Bank shall not be liable for the timeliness of receipt of payment by
any service provider/vendor/utility; the discontinuation or suspension or
cancellation of the service/goods/utility, for any reason whatsoever,
and the consequences thereof; the quality of the service/goods for
which the payment is intended/made or delay/non-delivery of the same
due to any reason whatsoever; any short/excess payment made to
 service provider/vendor/utility, and for which, the Customer is solely
liable to follow up and settle the shortfall and or for refunds.

6. Transaction Records
The Platforms are made available for your convenience and for ease of
access to your account to carry out transactions. You recognize that the
Bank may be unable to preserve records of instructions received from
you on the Platforms. By using the Platforms, you agree that the Bank will
not preserve any record of the instructions given by you for the services
on the Platforms. You agree not to contest transactions carried out or
not carried out by the Bank on the Platforms and save for manifest error,
you shall accept any record of the transaction as may be maintained
by the Bank as the true and correct records. You will hold the Bank
harmless and blameless against any loss, or consequences thereof,
arising from any transaction carried out or not carried out on the
Platforms. Only the Bank's record of the transactions maintained through
its systems shall be accepted as conclusive and shall be binding.

You will be responsible for the accuracy and correctness of information

supplied to the Bank on the Platforms. The Bank accepts no liability for
the consequence arising out of erroneous, incorrect or incomplete
information supplied by you. You undertake to advise the Bank as soon
as you discover any error and the Bank will endeavor to correct the error
on a 'best effort' basis.

While the Bank will take all reasonable steps to ensure the accuracy of
any statement and other records generated from the Platforms, the
Bank shall not be liable for errors. You shall hold the Bank harmless
against any loss, damages that may be incurred/ suffered if the
information contained in the above said outputs turns out to be
inaccurate, incorrect or incomplete.

UBA will not be held liable for non-delivery or delayed delivery of alerts,
e-mails, errors or losses or distortion in transmission of alerts and e-mails to
the Customer. UBA shall not be liable for lack of receipt of alerts due to
service provider failures, technical defects with customer's phone or
computer.
7. Verification of Instructions
Save for system authentication of the Customer-Id, login details,
passwords, PIN, identifiers and other access credentials as may be
applicable to each Platform, the Bank shall have no obligation to verify
the authenticity of any instruction received on any Platform purporting
to have been sent by the Customer.
8. Withdrawal of Access to Platforms
The Bank, may in its sole discretion and without providing notice or
reason for its action withdraw your access to any Platform. The Bank shall
also be entitled to suspend or withdraw your access to any Platform if:
(i) the minimum balance requirement is not met
(ii) the service charges remain unpaid
(iii) if you are in breach of any of your obligations to the
Bank
(iv) if in the Bank’s opinion, any Platforms is not being used in line with
these T&C or in any acceptable manner
(v) for such other reason UBA as deems reasonable in the
circumstances.
In event that access to any Platform is withdrawn, there shall be no
obligation on the Bank to give any notice to you and the Bank shall the
Bank incur any liability by reason of withdrawal of access to any
Platform.

9. Amendments
UBA shall be entitled to review, update and amend these T&C as may
be required from time to time. Any update or amendment shall be
posted on this location or the Bank’s website and such other media
available to the Public. You undertake to access and review the T&C
from time to time.