Gowans Microfinance Banking Mobile App Terms and Conditions

Please read these terms and conditions carefully before using Gowans Microfinance Bank Limited Mobile Banking App. By using the app, you agree to be bound by these terms and conditions.

1. Eligibility:

a. To use the mobile banking app, you must be an account holder at Gowans Microfinance Bank Limited or meet any other eligibility criteria specified by the bank.

b. Users must be at least 18 years of age or have parental consent to use the app if under the age of 18.

2. Account Access:

a. The mobile banking app provides access to various types of accounts, including checking, savings, credit card accounts, etc., as determined by [Your Bank’s Name].

b. The bank reserves the right to limit or restrict account access through the app.

3. Security:

a. Gowans Microfinance Bank Limited employs industry-standard security measures to protect user information. This includes encryption, authentication mechanisms, and fraud detection systems.

b. Users are responsible for safeguarding their login credentials and ensuring the security of their mobile devices.

c. Users must promptly notify Gowans Microfinance Bank Limited of any unauthorized transactions or suspicious activity on their accounts.

4. User Responsibilities:

a. Users agree to comply with all applicable laws and regulations while using the mobile banking app.

b. Users are responsible for any fees or charges associated with the use of the app, as disclosed in the Fee Schedule.

c. Users must provide accurate and up-to-date information when using the app.

5. Services Offered:

a. The mobile banking app allows users to perform various financial services such as checking account balances, transferring funds between accounts, paying bills, depositing checks, etc.

b. Gowans Microfinance Bank Limited reserves the right to modify or add new services to the app at any time.

6. Fees and Charges:

a. Users may be subject to transaction fees, service charges, or other fees associated with using the mobile banking app.

b. Gowans Microfinance Bank Limited will provide a Fee Schedule that outlines the applicable fees and charges.

7. Service Availability:

a. The mobile banking app may not always be available due to maintenance, technical issues, or other unforeseen circumstances.

b. Gowans Microfinance Bank Limited does not guarantee continuous, uninterrupted access to the app, and users acknowledge that disruptions may occur.

8. Liability:

a. Gowans Microfinance Bank Limited is not responsible for any unauthorized transactions or losses due to user negligence, including the use of weak passwords or sharing login credentials.

b. Users must promptly report any unauthorized transactions or errors to Gowans Microfinance Bank Limited to mitigate losses.

c. [Your Bank’s Name]’s liability for unauthorized transactions or errors will be subject to the bank’s policies and procedures.

9. Termination:

a. Gowans Microfinance Bank Limited reserves the right to terminate or suspend a user’s access to the mobile banking app at any time and for any reason.

b. Users may also terminate their access to the app by contacting Gowans Microfinance Bank Limited directly.

10. Updates and Changes:

a. Gowans Microfinance Bank Limited may update or modify these terms and conditions at any time.

b. Users will be notified of any changes to the terms and conditions through the app or by other means determined by Gowans Microfinance Bank Limited.

By using the Gowans Microfinance Bank Limited Mobile Banking App, you acknowledge that you have read, understood, and agreed to these terms and conditions. If you do not agree to these terms and conditions, please do not use the app.