Terms and Conditions

www.fcmbgroup.com   provides a portal, or gateway, to the financial services offered by FCMB Group Plc ('the Group'/ 'FCMB'), its operating companies and their subsidiaries.

The Site is operated by FCMB Group Plc ('the Group'/'FCMB'), a non-operating financial holding company, regulated by the Central Bank of Nigeria (“CBN”). FCMB Group Plc is one of the leading financial services institutions in Nigeria, with the following operating companies: FCMB Capital Markets Limited; CSL Stockbrokers Limited (including its subsidiaries First City Asset Management Ltd and CSL Trustees Ltd) and FCMB Limited (the bank) and its subsidiaries - Credit Direct Limited and FCMB (UK) Limited.

FCMB Group Plc is a public limited company registered in the Federal Republic of Nigeria under RC: No. 1079631. Its head-office is at FCMB Marina Plaza, 44 Marina Road, Lagos State, Nigeria.

www.fcmbgroup.com and FCMB Group Plc do not offer financial services or products and FCMB Group Plc's operation of the www.fcmbgroup.com portal, or gateway, does not constitute an offer of any products or services provided by FCMB Group Plc members.

Not all the products and services that you may be able to view via the Site are available in all geographical locations. The relevant FCMB Group member reserves the right to make the final determination on whether or not you are eligible for any particular product or service. If you choose to enter a website outside your country of residence, you are advised that it may not be legal in that jurisdiction for you to access or use the facilities available on that site and the legal requirements of that jurisdiction may prohibit you from dealing or otherwise transacting in that jurisdiction.

All products or services provided to you by any FCMB Group member shall only be available in the jurisdiction/s within which the member providing the product or service is authorised to operate.

You agree that any of the products or services provided to you by any FCMB Group member shall be deemed to be provided in the jurisdiction within which the member providing the product or service is authorised to operate.
FCMB Group Plc hosts the www.fcmbgroup.com website and provides technical support, access and links to the Local Sites of FCMB Group operating companies. Financial services and products may be obtained from Local Sites.

The information contained on the Site is for information purposes only. FCMB Group Plc and www.fcmbgroup.com do not hold themselves out as providing legal, financial or other advice via the Site.

• References to 'you', 'your' and 'yours' are references to the person(s) accessing the Site or any Local Site.
• References to 'we', 'us' and 'our' are references to FCMB Group Plc.
• References to the 'FCMB Group' and 'FCMB Group Members' are references to FCMB Group Plc, its operating companies and their subsidiaries.

All products and services provided by members of the FCMB Group are subject to the terms and conditions and disclaimers of the applicable agreement governing their supply and use ("Product terms and conditions"). Where Product terms and conditions conflict with these Terms and Conditions or any Local Site's terms and conditions the Product terms and conditions shall prevail.

You may link to other FCMB Group websites or pages issued by other entities within the FCMB Group ("Local Sites") through the Site. Your use of any Local Site shall be governed by both these Terms and Conditions and the terms and conditions of the Local Site. However, where these Terms and Conditions conflict with those of the Local Site, the terms and conditions of the Local Site shall prevail.
Please read carefully any Local Site and/or Product terms and conditions before using the Local Site or product.

The information, material and content provided in the pages of the Site or any Local Site may be changed at any time without notice. Changes may be made to these Terms and Conditions by us at any time without notice to you by updating the posting of the Terms and Conditions.

In certain circumstances you may be requested to register with www.fcmbgroup.com. When you register, you must provide accurate and complete information and up-date such information when necessary so it remains accurate and complete. When you register and are accepted as a registered user of the Site, you choose a unique user name and password. Please use maximum caution to keep your user name and password confidential and log-off from the Site when your session is complete to prevent unauthorised access to your information. If your user name or password is subject to unauthorised access, you should immediately inform the relevant FCMB Group operating company.

We are committed to protecting your privacy. All information gathered from you in connection with your use of the Site or any Local Site will be maintained in accordance with the applicable privacy policies disclosed for the Site or any of the Local Sites.

Information or opinions provided by us or through a third party on the Site or by a Local Site should not be used for investment advice and do not constitute an offer to sell or solicitation of an offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments. When making a decision about your investments, you should seek the advice of a professional financial adviser.

THE CONTENTS OF THE SITE AND THE LOCAL SITES ARE DISTRIBUTED TO YOU WITHOUT ANY WARRANTY OF ANY KIND. WE AND THE THIRD PARTY CONTENT PROVIDERS DISCLAIM ANY AND ALL WARRANTIES
INFORMATION ON THE SITE AND ANY LOCAL SITE IS PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS AND TO THE FULLEST EXTENT PERMITTED BY LAW WE DO NOT GIVE OR MAKE ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS OR IMPLIED IN RESPECT OF SUCH INFORMATION WHETHER IN RESPECT OF THE SITE OR ANY LOCAL SITE. YOUR USE OF THE SITE OR ANY LOCAL SITE IS AT YOUR SOLE RISK.

WE DO NOT WARRANT THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, MATERIAL, PRODUCTS AND SERVICES OR THE ERROR-FREE USE OF THE SITE OR LOCAL SITE.

WE DO NOT REPRESENT OR WARRANT THAT THE SITE OR ANY LOCAL SITE WILL BE AVAILABLE OR THAT IT WILL MEET YOUR REQUIREMENTS, THAT ACCESS WILL BE UNINTERRUPTED, THAT THERE WILL BE NO DELAYS, FAILURES, ERRORS OR OMISSIONS OR LOSS OF TRANSMITTED INFORMATION, THAT NO VIRUSES OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERTIES WILL BE TRANSMITTED OR THAT NO DAMAGE WILL OCCUR TO YOUR COMPUTER SYSTEM. YOU HAVE SOLE RESPONSIBILITY FOR ADEQUATE PROTECTION AND BACK UP OF DATA AND/OR EQUIPMENT AND FOR UNDERTAKING REASONABLE AND APPROPRIATE PRECAUTIONS TO SCAN FOR COMPUTER VIRUSES OR OTHER DESTRUCTIVE PROPERTIES.

WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF ANY THIRD PARTY SOFTWARE THAT MAY BE USED IN CONNECTION WITH THE SITE OR ANY LOCAL SITE.

IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL DAMAGES, LOSSES OR LIABILITIES, IN CONNECTION WITH YOUR USE OF THE SITE OR YOUR RELIANCE ON OR USE OR INABILITY TO USE THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES ON THE SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF YOU ADVISE US OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Your use of hyperlinks on the Site is at your own risk. We provide hyperlinks to other locations on the Internet for information and convenience purposes only. No endorsement of third party websites or content is implied. We are not responsible for the content of any other websites or pages linked to or from the Site or any Local Site. We have not verified the content of any such websites, or pages. It is recommended that you view the linked website's terms or privacy policy pages to understand how use of that website may affect you.

We are not responsible for the accuracy, timeliness or the continued availability or the existence of content, hyper links, or third party websites or pages linked to the Site or any Local Site. Links to downloadable software sites are for convenience only and we are not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the licence agreement, if any, which accompanies or is provided with the software.

The Site may offer access to news services, market analysis, financial planning tools or other information provided by third parties on the Site or any Local Site. No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any information on the Site or any Local Site. We do not control, cannot guarantee, and are not responsible for the accuracy, timeliness or even the continued availability or existence of such content.

Do not use ordinary e-mail messages to communicate personal or confidential information to us. Use the secure server available at your Local Site. Ordinary e-mail messages sent over the Internet may be intercepted, lost or altered. We are not responsible for them and will not be liable to you or anyone else for any damages in connection with any messages sent by you to us using ordinary e-mail.

We may, at our discretion, provide an email alert service (the "Service") allowing you to receive alerts relating to FCMB Group Plc and/or such other parties or matters as we may include from time to time.

Your use of the Service will result in us holding the data you submit for use of the Service. The data will be held in the Federal Republic of Nigeria and will only be used to provide you with the information you have requested receiving via the Service or for statistical analysis. By using the Service, you agree to us holding and using your data as indicated above

We may at any time at our discretion withdraw the Service and/or your use of it.

The provisions under "No Warranties" in these Terms and Conditions shall apply as if reference to "the Site" includes reference to the Service.

Copyright in the pages, screens, information, and all material in their arrangement, included in the Site or any Local Site is owned by or licensed to us or the FCMB Group, unless otherwise noted. You may imprint, copy download or temporarily store extracts from the Site or any Local Site for your personal information or when you use any products and services of any Local Site. You may not alter or otherwise make any changes to any material that you print or download from the Site or any Local Site, including, without limitation, removing any identifying marks or legends from such material. You may not distribute these materials to others. Any other use is prohibited unless you first request and obtain our written permission. In particular no one may use a part of the Site or any Local Site on any other website, or link any other website to the Site or any Local Site, without our prior written permission or the consent of the relevant FCMB Group member.

Content from a third party provider available on or through the Site or any Local Site may not be duplicated, distributed, published, transferred, transmitted, copied, altered, sold, used to create derivative works or otherwise misused. You must comply with all terms disclosed to you as required from time to time by any third party supplier of data or services to the Site or any Local Site, including but not limited to, where necessary, entering into a direct agreement with such third party in respect of your use of their data.

You may not use the Site or any Local Site for any purpose which is unlawful, abusive, libelous, obscene or threatening.

FCMB is a trademark of FCMB Group Plc and all rights in and to FCMB vest in FCMB Group Plc. Other than as provided above you may not use or reproduce the FCMB trademark, logo or brand name.

The Site is not intended for use by minors.

Your use of the Site is governed by Nigerian law.