Terms & conditions

Terms and Conditions

Effective Date: 15th November 2024

Welcome to DeBankys Limited. By accessing or using our website and services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our platform. If you do not agree to these terms, you must discontinue using our services.

1. Definitions

• “Platform” refers to the DeBankys Limited website and any related services.
• “User” refers to any individual or entity accessing or using the platform.
• “Services” refers to the financial and cooperative society offerings provided by DeBankys Limited, including savings, loans, and other related products.

2. Eligibility

1. You must be at least 18 years old and capable of entering into a legally binding contract to use our services.
2. By using our platform, you confirm that all information provided is accurate, complete, and up-to-date.

3. User Responsibilities

1. Account Security:

   • Users are responsible for maintaining the confidentiality of their login credentials.
   • Any unauthorized access or use of your account must be reported immediately to info@debankys.com.

2. Prohibited Activities:
   Users shall not:

   • Use the platform for illegal or fraudulent activities.
   • Upload malicious software or content.
   • Interfere with the platform's functionality.

3. Compliance:
   Users agree to comply with all applicable laws, regulations, and cooperative society rules.

4. Services and Transactions

1. Savings and Contributions:
   Users can deposit funds into their accounts as part of their cooperative society membership.
2. Loan Applications:
   Loan eligibility and terms will be determined based on the user’s savings history, creditworthiness, and compliance with the cooperative’s policies.
3. Fees:
   Transactional or service fees, if any, will be communicated transparently.
4. all members shall pay membership application fees as prescribed by Debankys limited
5. members shall pay annual memebership fees

5. Intellectual Property

All content, trademarks, and materials on the platform are the intellectual property of DeBankys Limited or its licensors. Users may not reproduce, distribute, or create derivative works without prior written consent.

6. Privacy Policy

Your use of the platform is also governed by our Privacy Policy, which explains how we collect, use, and protect your data.

7. Limitation of Liability

1. DeBankys Limited shall not be liable for:
   • Any losses resulting from unauthorized access to your account.
   • Temporary unavailability of the platform due to maintenance or technical issues.
2. The platform and services are provided "as is" without any warranties of any kind, express or implied.

8. Termination of Use

DeBankys Limited reserves the right to suspend or terminate user accounts without notice for violations of these Terms or for activities deemed harmful to the cooperative society.

9. Governing Law

These Terms and Conditions are governed by the laws of Federal Republic of Nigeria, and any disputes arising shall be resolved in the court of competent  jurisdiction or an arbitration court.

10. Amendments

DeBankys Limited may update these Terms and Conditions periodically. Users will be notified of significant changes via email or on the platform. Continued use of the platform after updates constitutes acceptance of the revised terms.

11. Contact Us

For any questions or concerns regarding these Terms and Conditions, please contact us at:

DeBankys Limited
Email: debankyslimited@gmail.com
Phone: +2348104711125