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MegaBank Gambia Limited
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Terms of Service

The terms governing your use of our service

1 Acceptance of Terms

By accessing or using the Internet Banking services provided by MegaBank Gambia Limited ("the Bank", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our services.

Please read these terms carefully before using our Internet Banking services. Your continued use of the service constitutes acceptance of these terms.

2 Eligibility

To use our Internet Banking services, you must:

  • Be at least 18 years of age or the age of majority in your jurisdiction
  • Hold an eligible account with MegaBank Gambia Limited
  • Have the legal capacity to enter into a binding agreement
  • Not be prohibited from using banking services under applicable laws

3 Account Registration

To access Internet Banking, you must register for an account and create login credentials. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and promptly update your account information
  • Keep your login credentials confidential and secure
  • Notify us immediately of any unauthorized access to your account
  • Accept responsibility for all activities that occur under your account

4 Service Description

Our Internet Banking service allows you to:

  • View account balances and transaction history
  • Transfer funds between your accounts
  • Transfer funds to third-party accounts
  • Pay bills and manage payees
  • Download account statements
  • Manage account settings and preferences

We reserve the right to modify, suspend, or discontinue any feature of the service at any time with or without notice.

5 User Responsibilities

As a user of our Internet Banking services, you are responsible for:

  • Ensuring the accuracy of all transaction details before submission
  • Reviewing your account statements regularly for unauthorized transactions
  • Reporting any errors or unauthorized transactions promptly
  • Maintaining adequate funds in your account for scheduled transactions
  • Complying with all applicable laws and regulations

6 Security

You agree to take all reasonable precautions to protect the security of your account:

  • Never share your username, password, or security codes with anyone
  • Use strong, unique passwords and change them regularly
  • Log out completely when finished using Internet Banking
  • Do not access Internet Banking from public or unsecured computers
  • Keep your devices and software up to date with security patches
  • Be vigilant against phishing attempts and suspicious communications

MegaBank Gambia Limited will never ask for your password via email, phone, or text message. Report any suspicious requests to us immediately.

7 Prohibited Activities

You agree not to use Internet Banking for any unlawful or prohibited purpose, including but not limited to:

  • Fraudulent transactions or money laundering activities
  • Unauthorized access to other users' accounts
  • Attempting to breach or circumvent security measures
  • Transmitting viruses, malware, or other harmful code
  • Interfering with or disrupting the service or servers
  • Using automated systems to access the service without permission

8 Fees and Charges

Certain Internet Banking services may be subject to fees and charges. We will provide you with a schedule of applicable fees, which may be updated from time to time. You agree to pay all fees associated with your use of the service.

Fees will be automatically deducted from your designated account unless otherwise specified.

9 Limitation of Liability

To the maximum extent permitted by law, MegaBank Gambia Limited shall not be liable for:

  • Any indirect, incidental, special, or consequential damages
  • Loss of data, profits, or business opportunities
  • Service interruptions or delays beyond our reasonable control
  • Unauthorized access resulting from your failure to protect credentials
  • Errors in transaction processing due to incorrect information provided by you

Our total liability for any claim shall not exceed the fees paid by you for the service in the twelve months preceding the claim.

10 Termination

We may suspend or terminate your access to Internet Banking at any time if:

  • You breach any provision of these Terms of Service
  • We suspect fraudulent or unauthorized activity on your account
  • Required by law or regulatory authorities
  • Your underlying bank account is closed or restricted

You may terminate your Internet Banking access at any time by contacting customer service. Termination does not affect any accrued rights or obligations.

11 Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which MegaBank Gambia Limited is incorporated. Any disputes arising from these terms or your use of the service shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.

12 Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes through the Internet Banking platform or via email. Your continued use of the service after such notification constitutes acceptance of the modified terms.

We encourage you to review these terms periodically to stay informed of any updates.