TAMADA: Your Banking Assistant

IT IS IMPORTANT THAT YOU READ AND UNDERSTAND OUR TERMS OF USE (ToU) AND PRIVACY POLICY AS BY USING CHATBOT YOU INDICATE THAT YOU ACCEPT THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS THEN DO NOT USE CHATBOT

By using Chatbot you confirm that you accept these terms of use and you agree to comply with them. & please read these terms and conditions carefully before using Chatbot. We are offering you Chatbot for your personal use without cost, but you should be aware that you are not allowed to copy, or modify it, any part thereof, or our trademarks in any way. You are not allowed to attempt to extract the source code of Chatbot, and you should also not try to make derivative versions.

Chatbot has been developed and is operated and maintained by or on behalf of Access Bank Plc ("Access", "Access Bank" "we" "our" or "us"). Chatbot, and all the trademarks, copyright, database rights and other intellectual property rights related to it, belongs to Access Bank Plc or our licensors.

Preamble

The Chatbot is a service we offer that enables you to receive information from us and to transmit instructions to us electronically, in relation to your account domiciled with us (“an Account”) or other matter(s) we specify, through a mobile Application, URL and other channels.

Each time you use Chatbot these Terms of Use apply.

Access to Mobile Banking

Not all devices are capable of accessing and supporting Chatbot. It is your responsibility to ensure any device you use to access Chatbot is compatible and capable of supporting Chatbot. We will not be responsible for any damage or loss to a device as a result of your access or use or attempted access or use of Chatbot.

The features of Chatbot include but are not limited to:

• Funds Transfer (between own accounts, to other Access Accounts and to other banks {NIBSS Instant Payment})
• Bills payments (DStv, LCC, PHCN etc.)
• Stock prices, purchase and sale
• Bank enquiries
• Airtime Purchase
• Loan

Your Account number, phone number, PIN, registration code, One Time Password (OTP) and Hardware/Software Token ("Login Details") may be required to successfully carry out some financial and self-service transactions on Chatbot.

Under no circumstances shall you allow anybody access to your Account through the service by divulging your transaction pin to a third party (intentionally or negligently), as you shall be solely liable for such disclosure and any consequences arising thereto.

You understand that your Sign-up Details are used to give instructions to us and accordingly, you undertake that:

• Access Bank is irrevocably authorized to comply with any instruction given to it through Chatbot and it is agreed that such instruction shall be irrevocably deemed to be your instruction.
• You hereby agree to change your Login Details or any other log in parameters immediately you are aware or suspect that it has become known to someone else.
• Access Bank is exempted from any form of liability whatsoever for complying with any or all instruction(s) given by means of your Login Details or any login parameters and accordingly, we shall not be responsible for any fraudulent, duplicate or erroneous instructions given by means of your Login Details or parameters.
• Access Bank is expressly exempted from any liability arising from unauthorized access to your Account and/or data as contained in our records, which arises as a result of your inability and/or otherwise to safeguard your Login Details or any other login parameters and/or failure to log out of the system completely by allowing on screen display of your account information.
• Access Bank is further relieved of any liability as regards breach of duty of secrecy arising out of your inability to observe and maintain the secrecy of your Login Details or login parameters as the usage of these details by any third party shall be deemed to be with your consent.
• Access Bank is further relieved of any liability for loss that may arise as a result of transfer of ownership of the device on which Chatbot rests either by theft, gift or by any other means.
• Access Bank is further relieved of any liability for loss that may arise as a result of acts of hackers, viruses, malware etc and other unauthorized access to your account via Chatbot.
• Access Bank is further relieved of any liability as regards breach of duty of secrecy arising out of your inability to observe and maintain the secrecy of your Login Details or login parameters as the usage of these details by any third party shall be deemed to be with your consent.
• Access Bank is further relieved of any liability for loss that may arise as a result of transfer of ownership of the device on which Chatbot rests either by theft, gift or by any other means.
• Access Bank is further relieved of any liability for loss that may arise as a result of acts of hackers, viruses, malware etc and other unauthorized access to your account via Chatbot.
• Access Bank is further relieved of any liability for loss that may arise as a result of transfer of ownership of the phone number which you have registered with the Bank on which the registration code is received.
• You hereby agree to urgently notify Access Bank immediately upon your suspicion that the confidentiality of your Login Details are compromised.
• You hereby irrevocably accept responsibility and shall bear liability for any fraud, loss and/or liability to Access Bank or third party arising from usage of your Login Details on this Chatbot.
• Access Bank may terminate this service without notice to you when at its discretion it determines that you have used Chatbot in a way that is contrary to these.
• Access Bank will NEVER send you a link to any external website or request for your personal banking details or log in credentials via SMS, e-mail, telephone or any other means. Kindly disregard such SMS, emails and phone calls.
• Access Bank may vary the terms of this ToU at any time without notice to you and you agree to waive the requirement of notice.
• You recognize and acknowledge that Access Bank shall be providing Chatbot on an "as is" basis and does not warrant to its reliability. Access to Chatbot may from time to time be unavailable, delayed, limited or slow due to, but not restricted to hardware failure, software failure, overload of system capacities or other force majeure.
• Access Bank does not guarantee that Chatbot or any content on it will be available or be uninterrupted. We may suspend or withdraw or restrict the availability of Chatbot or any of its features for business and operational reasons without prior notice to you.
• Access Bank may at any time, suspend or cancel your right to use Chatbot entirely or in respect to specific facilities, or refuse to reset, renew your usage without affecting any outstanding obligation you may have under this agreement.
• Access Bank has the right to disable any user identification code or password whether chosen by you or allocated by it at any time if in our reasonable opinion you have failed to comply with any provisions of these terms of use.
• Access Bank has the right to close your account and or withhold any funds in it as a result of any fraud which may be linked to you in connection with the use of Chatbot.

Availability and Registration

By accessing or using Chatbot, You hereby warrant that:

• You have the legal capacity and authority to bind yourself to these terms and conditions, and
• You will be deemed to have read, understood and accepted these terms and conditions (ToU) when you log in to Chatbot, and agree to be bound by this ToU.

If you do not agree to any part or all of the ToU, or do not represent the foregoing, you may not access or use Chatbot.

You will not be able to use Chatbot until you have registered to use the service. We can refuse to register you for the service and refuse to allow you to use and/or restrict your use of Chatbot at any time.

Applicable Terms

We reserve the right to modify this ToU as required. If the ToU is modified, we will post a clear, easily accessible modification notice on Chatbot. If you continue using Chatbot, you will be bound by any or all modifications made to it.

Charges and Transaction Limit

Please see below the applicable charges and transaction limit for the use of Chatbot and any of its features.