Terms of Service
Welcome to The First Microfinance Bank (FMFB). By accessing or using our website (https://thefmbonline.com/), you agree to be bound by these Terms of Service. Please read these Terms carefully before using the Site.
1. Acceptance of Terms
By accessing or using the Site, you confirm that you have read, understood, and agreed to be bound by these Terms, as well as any applicable laws and regulations. If you do not agree with any part of these Terms, please discontinue your use of the Site.
2. Changes to Terms
FMFB reserves the right to modify, update, or amend these Terms at any time without prior notice. Your continued use of the Site after changes are made constitutes your acceptance of the new Terms. Please check these Terms periodically for updates.
3. Eligibility
The Site is intended for use by individuals who are at least 18 years of age. By using the Site, you represent and warrant that you are of legal age and capable of entering into a binding contract.
4. Use of Site
You agree to use the Site for lawful purposes only. You are prohibited from using the Site to:
Engage in any illegal activities.
Upload, post, or transmit any material that infringes on the intellectual property rights of others.
Distribute harmful code or software, including viruses, malware, or spyware.
Attempt to gain unauthorized access to FMFB’s systems, data, or user accounts.
FMFB reserves the right to terminate or suspend your access to the Site if you violate these Terms or engage in activities that FMFB deems harmful to its operations or users.
5. Banking Services
FMFB provides information regarding its products and services, including loans, deposits, and financial products, on the Site. However, accessing or using the Site does not constitute a formal banking relationship. All transactions or banking services must be conducted in accordance with FMFB's separate agreements, policies, and regulations.
6. Account Registration
Some features of the Site may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. FMFB will not be liable for any loss or damage arising from unauthorized access to your account.
7. Privacy
Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your personal information while using the Site.
8. Intellectual Property
All content, including but not limited to text, images, logos, graphics, and software on the Site, is the property of FMFB or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or publicly display any content from the Site without prior written permission from FMFB.
9. Third-Party Links
The Site may contain links to third-party websites or services that are not owned or controlled by FMFB. We are not responsible for the content, privacy policies, or practices of any third-party websites. Access to third-party sites is at your own risk.
10. Disclaimer of Warranties
FMFB makes no warranties or representations about the accuracy, reliability, or completeness of the Site’s content or its operation. The Site is provided on an "as-is" and "as-available" basis. To the fullest extent permitted by law, FMFB disclaims all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
11. Limitation of Liability
In no event shall FMFB, its affiliates, officers, employees, or agents be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of or inability to use the Site, including but not limited to loss of profits, data, or goodwill, even if FMFB has been advised of the possibility of such damages.
12. Indemnification
You agree to indemnify, defend, and hold harmless FMFB and its affiliates, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses arising from your use of the Site or any violation of these Terms.
13. Termination
FMFB reserves the right to terminate or suspend your access to the Site at any time, without notice, for any reason, including a breach of these Terms. Upon termination, your right to use the Site will immediately cease.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Insert Country], without regard to its conflict of law provisions. Any legal action or proceeding related to the Site shall be brought exclusively in the courts of [Insert Country].
15. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
The First Microfinance Bank (FMFB)
support@thefmbonline.com
Thank you for using The First Microfinance Bank’s website.