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TERMS AND CONDITIONS
INTERNET BANKING
I (“the Customer”) hereby confirm and agree that the following terms and conditions
shall govern my Electronic Banking transactions with WEMA Bank Plc (“the Bank”):
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1 Service means the Electronic Banking Services of the Bank, including Internet
Banking, Secure message facility and bills payment services
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Mailing Address means the customer’s mailing address in the Bank‘s records
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Instruction means the customer’s request to the Bank for the services
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2 On receipt of instructions, the Bank will endeavor to carry out the customer’s
instructions on best effort basis, excepting all or any unforeseen circumstances such as Act
of God, Force Majeure, and other causes beyond the Bank‘s control
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1 An account with the Bank;
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3 A computer;
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5 Transaction password/ login Password/User Name
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Accordingly, the Bank shall not be responsible for any fraudulent,
duplicate or erroneous instructions given by means of the customer’s transaction password
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1 The customer undertakes absolute responsibility for safeguarding his User username,
password, security answer and transaction password, and under no circumstance shall the
customer disclose any or all of these to any person
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2 The customer undertakes to ensure the secrecy of his username, password, security
answer and transaction password by not reproducing same in any manner whatsoever
either in writing or otherwise capable of making it known to persons other than the
customer
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3 The Bank is impliedly exempted from any liability arising from unauthorized access to
the customer’s account and/or data as contained in the Bank’s records via the service,
which arises as a result of inability and/or otherwise of the customer to safeguard his
username, password, security answer and transaction password and/or failure to log out of
the system completely by allowing on screen display of his account information
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4 The Bank is further relieved of any liability as regards breach of duty of secrecy arising
out of customer’s inability to scrupulously observe and implement the provisions of clauses
6(i) - (iii) above, and/or instances of breach of such duty by hackers and other unauthorized
access to the customer’s account via the service
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5 The customers username, password, security answer and transaction password must be
changed immediately it becomes known to anyone else and therefore the customer is under
a duty to notify the Bank when ever his/her password, security answer and transaction
password have become known to another person
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6 Where a customer notifies the Bank of his intention to change his password, security
answer and transaction password arising from either his loss of memory of same or that it
has come to 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 password, security answer and
transaction password
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Accordingly the Bank shall not be responsible for any fraud that arises from usage
of the customer’s password, security answer and transaction password
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9 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
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11 Guidelines
The customer undertakes to:
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Agree to provide true, accurate, current and complete
information about himself/herself as requested in our self registration form and account
opening forms and the customer agree not to misrepresent his/her identity or information,
which may include user name, password or other transaction password for such accounts
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2 Comply with the law
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The customer acknowledges and agrees that the Bank owns all
rights to this web site and the content displayed on the site
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Customer may not copy,
reproduce, distribute, or create derivative work from this content
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Disclaimer of Warranties
12 The customer expressly understands and agrees that use of the service is at his/her sole
risk
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The Bank expressly
disclaims all warranties of any kind, whether express or implied, including, but not limited to
the implied warranties of merchantability, fitness for a particular purpose and noninfringement
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1 The service will meet customers’ requirements;
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3 The results that may be obtained from the use of the service will be accurate or
reliable;
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5 and any error in the technology will be corrected
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No advice or information, whether oral or written, obtained by customer from us
or through or from the service will create any warranty not expressly stated in these terms
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1 The use or the inability to use the service;
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3 Unauthorized access to, or alteration or transmission of data;
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5 or any other matter relating to the service
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17 Service changes and discontinuation
The Bank reserves the right to change or discontinue, temporarily or permanently, the
service at any time without notice
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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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This agreement cannot be amended by the customer nor any of
the Banks rights waived, unless the Bank agrees in writing or customer continues using the
service following receipt of notice of any changes proposed by the Bank
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All notices to the customer shall be in writing via the address (email or contact) the
customer has provided to the Bank, all notices to the Bank must be made in writing or from
the supplied email address that has undergone KYC sent to the Bank’s address
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If any of these terms is held to be unenforceable, then such provision shall be construed, as
nearly as possible, to reflect the intentions of the parties with other provision remaining in
full force and effect
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I hereby certify that I understand and agree with all terms and conditions above

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