{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.



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.



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.


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.


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.