Terms of Service
NIB Privacy Policy for Mobile App
WELCOME
Thank You for choosing National Investment Bank (NIB, us) as your Mobile Phone Banking needs provider. You are warmly welcome. We hope you enjoy your time on this App and with us.
NIB MOBILE APP TERMS AND CONDITIONS
These Terms and Conditions govern the Customer's use of NIB's Mobile Banking Service (the "Terms and Conditions").
These Terms and Conditions take effect immediately after you sign on to the Application after downloading it online. We (NIB) may change these Terms and Conditions from time to time. The latest version of the Terms and Conditions as changed applies each time you use our Mobile Banking Services.
Important: You must read these terms carefully before using the Service. By signing up to use the services or also by virtue of your continued usage of the Service, you shall be deemed to have accepted and be bound by these terms as well as other terms governing the service, as amended from time to time. If you reject these terms and conditions you cannot use the functionalities of our Mobile Banking services and cannot continue to sign in to these services.
DEFINITIONS
In this Terms and Conditions, the following expressions shall have the following meaning:
"the Bank"
– means National Investment Bank Limited (NIB) and where the context allows or requires, include its successors and assigns. (NIB).
"the Customer"
– means an account holder of NIB who is now or henceforth registered on the NIB Mobile App Service.
"Mobile Banking Service" ("the Service")
– means any of the systems that enable the Customer to access his/her account and transact business, or obtain information on financial products and services using his/her mobile phone.
These systems are as follows:
- NIB Mobile App
- NIB Mobile Banking (including SMS Alert).
- NIB Mobile Wallet Solution.
- NIB Card Services (MC, Gh-Link etc.).
- NIB Mobile APP (to include QR, NFC etc.).
Additional Definitions
"Online"
– means access to the Service through any of these prescribed systems (or channels):
- the NIB Mobile Banking Application
"Password"
means any confidential password, phrase, code or number, or any other identification whether issued to the Customer by the Bank (including any Username and Memorable Answer) which may be used to access the Service through the designated systems (or channels) to effect Customer instructions.
"Personal Identification Number"
means any confidential Pin, Code or number issued to the Customer by the Bank which may be used to access the Electronic Banking Service or to execute instructions.
Agreement and Consent
No Customer shall use the Service without understanding and agreeing to the Terms and Conditions of the Service.
By using the Service, the Customer thereby agrees and consents to these Terms and Conditions, which form the contract between the Customer and Bank.
The Service shall be governed by these terms and conditions as amended by the Bank from time to time.
These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any Account of the Customer and/or the respective service provided by the Bank unless otherwise specifically stated.
In consideration of the Bank allowing the Customer access to the Service, the Customer agrees with the Bank as follows:
1. HARDWARE AND SOFTWARE REQUIREMENT
a) Access Requirements
The Customer shall access the Service by mobile phone either via a browser (such as Mozilla Firefox, Google Chrome, Opera, Internet Explorer and Microsoft Edge) or an application and the necessary browser software and hardware, connected to the customer's preference of telephone service.
b) Customer Responsibility
The Customer shall remain solely responsible for the purchase and maintenance of the device and associated browser hardware and software and the purchase of data to access the service.
2. NIB MOBILE BANKING APPLICATION
a) Application Access
NIB Mobile Banking is another channel of NIB Electronic banking which is accessed through an application on a mobile device. The Customer can use the same login credentials to access his/her account on his/her mobile phone.
b) Download Instructions
To access these features on your mobile device, you have to download the NIB Mobile Application from either the Google Play Store (for customers using android devices) or Apple Store (for customers using IOS) and launch the Mobile Banking service from your mobile app.
c) Software Installation
The customer shall not install software onto his/her mobile device that he/she is not familiar with or the Terms and Conditions of which the Customer has not read.
3. USERNAME, PASSWORD AND CONFIDENTIALITY
a) Authentication
The Customer shall initiate all Mobile Banking transactions or inquiries by use of his/her mobile banking username and password.
b) Password Security
The Customer shall not create a password or PIN that will be easy for others to determine. It is advisable to use a combination of upper and lowercase letters, numbers and characters.
c) Confidentiality
The Customer shall keep his/her password or PIN confidential. The Customer shall act in good faith, exercise reasonable care and diligence in keeping the username, password or pin confidential. At no time and under no circumstances shall the customer disclose the username, password or PIN to any person or permit the mobile phone to come into the possession or control of any other person.
Security Warning: The Customer shall be fully responsible for any accidental or unauthorized access to the Mobile App on your phone, or for any accidental or unauthorized disclosure of the user name, password or PIN to any other person and shall bear the risks of the username, the password or PIN being used by unauthorized persons for unauthorized purposes.
4. CUSTOMER'S RESPONSIBILITIES
- The Customer shall be absolutely responsible for safeguarding his/her password or PIN
- The Customer shall ensure the secrecy of his/her password or PIN
- The Customer acknowledges that it is the sole responsibility of the Customer to ensure that the use of the Mobile App Service is in accordance with the applicable laws rules and regulations
- The Customer undertakes not to use the Service to effect payment(s) for any illegal purposes including but not limited to money laundering, transmission of any unlawful, libelous, offensive or obscene material
- The Customer shall be required to acquaint himself/herself with the process for using the Service and that he/she shall be responsible for any error made while using the Service
- It is the responsibility of the Customer to advise the Bank immediately of any change in his mobile number or loss/theft of mobile phone
- The Telecom Service provider of the Customer may levy charges for each SMS / internet use on the mobile device and the Bank is not liable for any dispute that will arise between such telecom service provider and the Customer
6. BUSINESS DAYS AND NOTICE OF INTERRUPTIONS
Mobile Banking services are available every business day including weekends and holidays except as provided below:
- Technical failure or problems with a Communication System directly or indirectly involved in providing Internet and Banking Services, be it the Bank's or a third party's
- Problems with a telecommunication or electricity service
- Other circumstances beyond our control
The Bank shall within twenty-four hours of a disruption inform the Customer through short messaging system or other means determined by the Bank.
11. LIMITATION OF BANK'S LIABILITY
Important: To the fullest extent permitted by law, the Bank shall not be liable whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of the Mobile Banking in accordance with the Terms and Conditions.
The Bank's duties and responsibilities to the Customer are strictly limited to those described in these Terms and Conditions, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement.
16. FEES AND CHARGES
The service is available for a fee and service charges determined by the Bank from time to time. The Bank reserves the right to charge the Customer a fee for the use of the services provided under the Service.
The Customer authorizes the Bank to debit any of his accounts with any fees and/or charges in relation to the use and/or termination of the services.
24. GOVERNING LAW & JURISDICTION
These Terms and Conditions and the rights and obligations of the Bank and the Customer shall be governed by and construed in accordance with the laws of Ghana.
The courts of Ghana shall have exclusive jurisdiction in any action or proceeding relating to these Terms and Conditions.
25. SCHEDULE 1 - SERVICES AVAILABLE
SERVICES AVAILABLE CURRENTLY INCLUDE:
1. Balance Enquiry
Check account balance
2. Account Summary
See all your account summary at a glance
3. Account Activity/Statement
View activities on your account and download statement of accounts in different file formats
4. Funds Transfer (NIB TO NIB)
Transfer funds from your NIB Account to another account in NIB
5. Domestic transfers
Transfer funds from one NIB account to an account in another bank within Ghana through GHIPSS instant transfer
6. Secured platform
Login password authentication and One Time Password (OTP) to effect funds transfer and Security questions
7. Branches and ATM Locator
Locate NIB ATM /Branches
8. Mobile Wallet Services
To wallet, to account, to other Mobile Money wallets
Contact us
If you have any questions about these Terms of Service, please contact us:
Phone
+233 302 664 331
Address
Cedi House, Liberia Rd, Accra, Ghana
This policy is based on NIB Ghana's official terms of service and is provided for informational purposes. For the most current version, please refer to the official NIB Ghana website.
