MBAN Terms of Service Statement

1. Acceptance of Terms

By accessing or using any MBAN platform, including the website, member portal, or training programs, you confirm that you have read, understood, and agree to abide by these Terms. If you do not agree, you should discontinue use immediately.

2. Eligibility

Our services are intended primarily for:

• Members of MBAN (mortgage banks, institutions, and stakeholders within the sub-sector).
• Individuals who wish to access our resources, training, or industry updates.

By using our services, you represent that you are at least 18 years old and have the legal capacity to enter into this agreement.

3. Member Accounts

To access certain features, such as the secure member portal, you may be required to create an account. You agree to:

• Provide accurate, up-to-date, and complete information during registration.
• Safeguard your login credentials and not share them with unauthorized persons.
• Accept responsibility for all activities that occur under your account.

MBAN reserves the right to suspend or terminate accounts that are found to be in violation of these Terms.

4. Use of Services

You agree to use MBAN’s platforms and resources for lawful purposes only. You must not:

• Engage in fraudulent, harmful, or unlawful activities.
• Upload or distribute content that violates intellectual property rights or confidentiality agreements.
• Attempt to gain unauthorized access to MBAN’s systems or interfere with service delivery.
• Use MBAN’s name, logo, or brand identity without prior written consent.

5. Intellectual Property

All content provided on MBAN platforms—including text, images, logos, training materials, and resources—remains the property of MBAN and its partners. Users are granted a limited, non-exclusive, non-transferable license to access and use the content for personal or organizational purposes. Reproduction, modification, or distribution without prior authorization is prohibited.

6. Payments and Fees

Some MBAN services, such as training programs, certification courses, and member subscriptions, may require payment. By enrolling, you agree to:

• Pay all applicable fees as communicated by MBAN.
• Acknowledge that payments are generally non-refundable unless otherwise specified.
• Comply with additional terms attached to specific programs or services.

7. Third-Party Links and Services

MBAN may provide links to third-party websites or collaborate with external service providers (e.g., NIBSS, Family Homes Funds). These external services are not controlled by MBAN, and MBAN is not responsible for their content, policies, or practices. Users interact with third-party platforms at their own risk.

8. Privacy and Data Protection

Your use of MBAN services is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your information. By using our services, you consent to the processing of your data in accordance with our Privacy Policy.

9. Disclaimers

• MBAN provides resources, training, and information for educational and professional purposes. We do not guarantee absolute accuracy, completeness, or applicability of content.
• MBAN will not be liable for business losses, missed opportunities, or damages resulting from reliance on information provided.
• While we strive to maintain uninterrupted service, MBAN does not guarantee that platforms will always be error-free or available without interruptions.

10. Limitation of Liability

To the fullest extent permitted by law, MBAN shall not be liable for:

• Indirect, incidental, or consequential damages arising from the use of our services.
• Unauthorized access to or misuse of user data beyond MBAN’s reasonable control.
• Delays, downtime, or system failure due to external factors.

11. Termination of Access

MBAN reserves the right to suspend or terminate your access to its services at any time, without notice, if:

• You breach these Terms.
• You misuse MBAN resources or act in a way that could harm MBAN, its members, or its reputation.
• Services are discontinued due to organizational or regulatory reasons.

12. Changes to Terms

MBAN may revise these Terms from time to time to reflect legal, operational, or service changes. Updated Terms will be posted on our website, and continued use of MBAN services constitutes acceptance of the revised Terms.

13. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from the use of MBAN services will be subject to the jurisdiction of Nigerian courts.