Preeminent Microfinance Bank Ltd.
Licensed by Central Bank of Nigeria No 6 Obiagu Road Amaigbo Ogui Nike, Enugu

Terms and Conditions

Effective Date: 8th April, 2025

Address: No 6 Obiagu Road, Amaigbo, Ogui Nike, Enugu State, Nigeria
Contact: 09069277900, 09157366393
Email: info@preeminentmfb.com
Website: www.preeminentmfb.com


1. Acceptance of Terms

By accessing and using our mobile banking app and/or website, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.

2. Eligibility

To use our banking services, you must:
• Be at least 18 years old.
• Have a valid and active account with Preeminent Microfinance Bank.
• Possess the legal capacity to enter into a binding agreement.

3. Services Offered

Our digital platforms allow you to:
• View account balances and transaction history.
• Transfer funds.
• Make bill payments and airtime purchases.
• Request and repay loans.
• Contact customer service.
• Receive financial notifications.
Services may be modified, expanded, or discontinued at our sole discretion.

4. User Responsibilities

You agree to:
• Provide accurate and updated personal information.
• Keep your login credentials (username, password, and/or PIN) confidential.
• Immediately notify us if you suspect unauthorized access to your account.
• Not use the app or website for unlawful purposes.

5. Security

We employ strong security measures to protect your data. However, you are responsible for:
• Keeping your device and app secure.
• Avoiding public Wi-Fi for sensitive transactions.
• Logging out after each session.

Preeminent Microfinance Bank is not liable for losses resulting from negligence on your part.

6. Privacy Policy

Your personal data is handled in accordance with our Privacy Policy. By using our platforms, you consent to the collection and use of your information as described.

7. Fees and Charges

Some transactions may carry fees (e.g., inter-bank transfers). Applicable charges will be clearly displayed before completing a transaction. You are responsible for all charges related to your account.

8. Third-Party Services

Our platform may include links to or integrations with third-party services. We are not responsible for the content, security, or privacy of these third-party sites or tools.

9. Service Availability

We strive to provide uninterrupted service. However, we may occasionally experience downtime due to maintenance or network issues. We are not liable for any losses resulting from service interruptions.

10. Limitation of Liability

Preeminent Microfinance Bank shall not be liable for: • Any indirect, incidental, or consequential damages.
• Unauthorized access to your account due to your negligence.
• Losses due to force majeure events such as natural disasters, network failures, or cyberattacks.

11. Intellectual Property

All content, logos, software, and trademarks on the app and website are owned by Preeminent Microfinance Bank and are protected by intellectual property laws. Unauthorized use is strictly prohibited.

12. Modification of Terms

We may update these Terms and Conditions periodically. Continued use of the platform after changes implies your acceptance of the revised terms.

13. Termination

We reserve the right to suspend or terminate your access to the app or website if you violate any of these terms or for any other reason at our discretion.

14. Governing Law

These Terms and Conditions shall be governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the courts of Enugu State.

15. Contact Us

For inquiries, complaints, or support, contact us:

Email: info@preeminentmfb.com
Phone: 08105753539, 09157366393
Hours: Monday to Friday, 8:00 AM – 5:00 PM
Address: No 6 Obiagu Road, Amaigbo, Ogui Nike, Enugu State

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