TERMS AND CONDITIONS
{The following terms and conditions shall
govern the use of Union Homes Savings and Loans Plc Website}
Union Homes Savings and Loans Plc Website
Access Agreement
Use of or access to the Union Homes
Savings and Loans Plc Website shall constitute acceptance of, and agreement to
be bound by this Agreement. Hence, by receiving and accessing the Union Homes
Savings and Loans Plc Website, the User agrees to be bound by the terms of this
Agreement. If you do not wish to be
bound by this agreement, do not access The Union Homes Savings and Loans Plc
Website. If you have any questions about this Agreement, please, contact us via
e-mail at info@unionhomesplc.com.
THIS AGREEMENT “Agreement” is entered into by and between Union Homes Savings
and Loans Plc (herein after called “Union Homes”) and any Individual,
Corporation, Association, Agency, Company, or other entity that accesses or
uses Union Homes' Website (herein after called the “User” or “you”). You
understand and agree that the contents of this website include all audios,
videos, graphics, images and textual materials, downloadable files, pdfs,
Microsoft word, etc. All contents are protected by international copyright law.
None of the contents on this website shall be used for any commercial purposes
without the written consent of Union Homes. You acknowledge and agree that the
Service and any necessary software used in connection with the Service contain
proprietary and confidential information that is protected by applicable
intellectual property and other laws. You further acknowledge and agree that
the contents of sponsored advertisements or information presented to you
through the Service or advertisers is protected by copyrights, trademarks,
service marks, patents or other proprietary rights and laws. Except as
expressly authorized by Union Homes, you agree not to modify, rent, lease,
loan, sell, distribute, or create derivative works based on the Service or the
Software, in whole or in part. Union Homes grants you a personal,
non-transferable, and non-exclusive right and license to use the contents of
the site, provided that you do so within the ambit of the Terms of Agreement. In
addition, when using Union Homes services, you and Union Homes shall be subject
to any posted guidelines or rules applicable to such services, which may be
posted from time to time. All such guidelines or rules are hereby incorporated
by reference into the Terms of Service.
Our Copyright
The
content and information contained within our website or delivered to you in
connection with your use of our website is the property of Union Homes. The
materials on this website are protected by copyright and no part of such
materials may be modified, reproduced, stored in a retrieval system,
transmitted (in any form or by any means), copied, distributed, used for
creating derivative works or used in any other way for commercial or public
purposes without the Bank’s prior written consent.
The Website Content
The information contained in this website
is believed to be reliable, but Union Homes does not warrant its completeness,
timeliness, or accuracy. We reserve the right to change these terms and
conditions at any time without notice to you, by updating this posting and your
continued access to or use of this site will constitute your acceptance of any
such changes.
Use of the Website Information
The services and products offered on this
website (“Services and Products”) are for information purposes only. No persons
gaining access to this website in any jurisdiction may treat any materials or
information provided on this website as constituting an invitation to them to
subscribe for the services, nor should they in any event use such Services,
unless in the relevant jurisdiction, the Services could lawfully be made to
them. Accordingly, nothing contained in this website shall constitute an offer
or solicitation by anyone in any jurisdiction in which such offer or
solicitation is not lawful. It is the responsibility of any person to inform
themselves of and to observe all applicable laws and regulations of any
relevant jurisdiction before they subscribe for the services. Union Homes shall
have the final determination of eligibility to subscribe for any of the
Services. The information contained in these pages is not intended to provide
professional advice and should not be relied upon in that regard. Persons
accessing these pages are advised to obtain appropriate professional advice,
when necessary at all times in their respective jurisdiction.
Warranties and Liabilities
Although diligence has been taken in
preparing the information contained in this website, such information and
materials are provided “as is” without warranty of any kind, either express or
implied. In particular, no warranty regarding non-infringement, security,
accuracy, fitness for a purpose or freedom from computer viruses is given in
connection with such information and materials.
Even though, all reasonable care have been to ensure that the
information provided on this site is accurate, we give no warranties of any
kind, express or implied, with regard to the accuracy, timeliness or
completeness of any such information. Union Homes and third party data
providers are not providing any warranties and representations whatsoever
regarding the website. Further, Union Homes
will not be liable for any errors or omissions in the materials and
information provided on the website or for any delay, difficulty in use,
inaccuracy of information, computer viruses, other defect in this website or
your inability to use this website to your satisfaction. No license to the user
is implied in these disclaimers. Under
no circumstances will Union Homes be liable for any lost profits or any form of
damages arising out of any use of or inability to use the website or any
portion thereof, regardless of whether Union Homes has been informed of the
likelihood of such damages occurring and regardless of the form of action,
whether in contract, tort, or otherwise.
Use of Personal Information
By subscribing to our website, you may
from time to time receive our promotional e-newsletters and SMS to keep you
updated on happenings in Union Homes.
Change/Disruption of Website
The bank reserves the right to
change or discontinue, temporarily or permanently, the website at any time
without notice. In order to maintain the security and integrity of the bank,
the bank may also suspend users’ access to the website at any time without
notice. User agrees that the bank will not be liable to the customer or any
third party for any modification or discontinuation of the website service. Access
to the Website may from time to time be unavailable, delayed, limited or slow
due to, but not limited and restricted to factors, such as: Force majeure;
Labour Strike Actions; Hardware failure; Software failure; Overload of system
capacities; Interruption of power supply or other utilities; Government or
regulatory restrictions, court or tribunal rulings, amendment of legislation or
other human intervention; And any other cause whatsoever beyond the control of Union
Homes.
Hyperlink (Linked Websites)
There may be cases on our website when
the Union Homes provides hyperlinks to other locations or websites on the
Internet. These hyperlinks lead to websites published or operated by third
parties who are not affiliated with or in any way related to Union Homes. They
have been included in our website to enrich your user experience and are
presented for information purposes only. We endeavour to select reputable
websites and sources of information for your convenience. However, by providing
hyperlinks to an external website or webpage, Union Homes shall not be deemed to endorse, recommend,
approve, guarantee, or introduce any third parties or the services/products
they provide on their websites, or to have any form of cooperation with such
third parties and websites unless otherwise stated by Union Homes. We are not
in any way responsible for the content of any externally linked website or
webpage. Access to, use of or following the links and such other websites
linked to this site is purely at the user’s own risk; is subject to any terms
and conditions applicable to such access/use. Union Homes is not whatsoever responsible
for any damages or losses incurred or suffered by the user arising out of or in
connection with your use of the links. By providing hyperlinks to other
websites, Union Homes shall not be deemed to endorse, recommend, approve,
guarantee, or introduce any third parties or the service/products they provide
on their website, or have any form of cooperation with such third parties and
website. Union Homes is not a party to any contractual arrangements entered
into between you and the provider of the external website unless otherwise
expressly specified or agreed to by Union Homes. Any links to websites that contain
downloadable software are provided for your convenience only. Again, Union
Homes is not responsible for any difficulties you may encounter in downloading
the software or for any consequences from your doing so. Please remember that
the use of any software downloaded from the Internet may be governed by a license
agreement and your failure to observe the terms of such license agreement may
result in an infringement of intellectual property rights of the relevant
software provider for which we are not in any way responsible.
Severability
If a provision of these terms and
conditions is determined by any court or other competent authority to be
unlawful and/or unenforceable, the other provisions will continue in effect. If
any unlawful and/or unenforceable provision of these terms and conditions would
be lawful or enforceable if part of it were deleted, that part will be deemed
to be deleted, and the rest of the provision will continue in effect.
Third party rights
These terms and conditions are for our
benefit and your benefit, and these terms and conditions are not intended to
benefit or be enforceable by any third party. The exercise of the parties'
rights under these terms and conditions is not subject to the consent of any
third party.
Enforceability
Where any of these terms and conditions
are held unenforceable, the remaining terms and conditions shall be unimpaired,
and the unenforceable terms or conditions shall be replaced by such enforceable
term or condition as comes closest to the intention underlying the
unenforceable term or condition. These Terms and Conditions shall be subject to
any other agreements you have entered with Union Homes.
Governing Law
The use of this website and the terms and
conditions of this disclaimer shall be governed and construed in accordance
with the laws of the Federal Republic of Nigeria.
Indemnification
Except when caused by the bank’s intentional misconduct or gross negligence,
customer agree to protect and fully compensate the bank and its Subsidiaries
and service providers from any/and all adverse third party claims, liability,
damages, expenses and costs (including, but not limited to, legal fees) caused
by or arising from customer’s use of the service, violation of the terms or
infringement, or infringement by any other user of customer’s account, of any
intellectual property or other right of anyone.
Others
Union Homes shall not be considered an agent or other legal representatives of
the user for any purpose by reason of this agreement and/or any other party. This
agreement cannot be changed by the user nor any of the bank’s rights be waived
unless the bank agrees in writing. This agreement is personal to the user and
the user may not assign it to anyone. Union Homes and user of this website shall
be independent parties, and nothing contained in this agreement shall be deemed
to create any association, partnership, joint venture, or relationship of principal
and agent, or master and servant, or employer and employee between parties.