PLEASE READ THESE TERMS AND CONDITIONS. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF USE OF THIS WEBSITE. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE AND ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE. PLEASE NOTE THAT IF YOU ARE AN EXISTING HERITAGE BANK LIMITED CUSTOMER, THESE TERMS WILL APPLY IN ADDITION TO THOSE CONTAINED IN YOUR ACCOUNT OPENING DOCUMENTATION AND CUSTOMER AGREEMENT. ALL HERITAGE BANK LIMITED PRODUCTS AND SERVICES ARE ALSO SUBJECT TO ADDITIONAL SEPARATE TERMS AND CONDITIONS WHICH GOVERN THEIR USE.

References to “you” or “your” are references to any person accessing this web-site.

References to “we”, “us” or “our” are references to Heritage Bank Limited.

References to “Subsidiaries” are references to Heritage Bank Limited duly incorporated Subsidiary Companies which are in existence from time to time.

References to “Login ID” means the access code with which you access restricted sections of the site and which is given to you by the bank but which cannot on its own be used to access the restricted sections of the site.

“Password” means the access code with which you access certain restricted sections of the site and which is known to you only. The Password is used in conjunction with the Login ID.

“Account” means a current or savings account or other account maintained with us at any of our branches in Nigeria.

“Mailing Address” means the customer’s mailing address in our records.

“Instruction” means the customer’s request to us for banking services.

Unauthorized use of Heritage Bank Limited’s Website and systems including but not limited to unauthorized entry into Heritage Bank Limited’s systems, misuse of passwords, or misuse of any information posted to this site, is strictly prohibited.

You acknowledge that Heritage Bank Limited may disclose and transfer any information that you provide through this Website to (i) any company that is a subsidiary of Heritage Bank Limited, its affiliates agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate (including to countries outside West Africa), and by using and providing information through this Website you agree to such transfers. Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording.

Banking Services on this site (Internet Banking)

Heritage Bank Limited provides certain banking services on the site which include but are not limited to

  • Balance enquiry
  • Account activity enquiry
  • Statement download
  • Interest rate inquiry
  • FX rate enquiry

The Login ID and Password are required for you to successfully carry out any of the banking transactions listed above

Under no circumstances shall you allow any body access to your account through the service by divulging your Login ID and Password to a third party.

You understand that your Login ID and Password are used to give instructions to the bank and accordingly undertake:

  1. That Heritage Bank Limited is irrevocably authorized to comply with any instructions given to the bank through this site and it is agreed that such instruction shall be irrevocably deemed to be your instruction.
  2. You hereby agree to change your Password immediately you are made aware that it has become known to someone else.
  3. Heritage Bank Limited is exempted from any form of liability whatsoever for complying with any or all instruction(s) given by means of the customer’s Login ID and Password and accordingly, the bank shall not be responsible for any fraudulent, duplicate or erroneous instructions given by means of the customer’s Login ID and Password.
  4. Heritage Bank Limited is expressly exempted from any liability arising from unauthorized access to your account and/or data as contained in the bank’s records, which arises as a result of your inability and/or otherwise to safeguard your Login ID and Password and/or failure to log out of the system completely by allowing on screen display of your account information.
  5. Heritage Bank Limited is further relieved of any liability as regards breach of duty of secrecy arising out of your inability to observe and maintain the secrecy of your Login ID and Password.
  6. Heritage Bank Limited is further relieved of any liability for loss that may arise as a result of acts of hackers and other unauthorized access to your account via the service.
  7. You hereby agree to urgently notify Heritage Bank Limited immediately upon your suspicion that the confidentiality of your Login ID and Password are compromised.
  8. You hereby irrevocably accept responsibility for any fraud, loss and/or liability to the bank or third party arising from usage of your Login ID and Password on this website.

Copyright Notices

The works of authorship contained in the Heritage Bank.com Website, including but not limited to all design and text, are owned, except as otherwise expressly stated, by Heritage Bank Limited or one of its subsidiaries and may be copied, displayed or used by you in whole or in part with the express written consent of Heritage Bank Limited

Trademark Notices

The Heritage Bank Limited logo is a registered trademark of Heritage Bank Limited.

Web Content and Materials

The information contained in this website is believed to be reliable, but Heritage Bank Limited does not warrant its completeness, timeliness or accuracy. The information on the Website is not intended as an offer or solicitation for the purchase of Heritage Bank Limited shares, or any other security.

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 Our Site

We may in our sole discretion terminate your access to or use of this Site for any reason, including without limitation where we believe that you have not acted in accordance with the terms and conditions of this Site.

You agree not to engage in any activities related to the Website that are contrary to applicable laws, regulations or the terms of any agreements you may have with Heritage Bank Limited.

Heritage Bank Limited or its subsidiaries may discontinue or make changes in the information, products or services described herein at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only, and we do not undertake any obligation or responsibility to update or amend any such information.

Disruption of Service

Access to the Website may from time to time be unavailable, delayed, limited or slow due to, but not restricted to the following factors:

  • 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
  • any other cause whatsoever beyond the control of Heritage Bank Limited.

Links to Other Sites

Where we provide links to non-Heritage Bank Limited internet websites, such links are provided solely as pointers to information on topics that may be useful to the websites and such links are not an endorsement by us of any products or services in such websites. You use such links entirely at your own risk and we accept no responsibility or liability for the content or use of such websites. We have not verified the truth or accuracy of any content of such websites and therefore make no warranties whatsoever, either express or implied, concerning the content of such sites, nor does Heritage Bank Limited warrant that such site is free from viruses or other contamination.

No third party is permitted to link any other website to this Site without obtaining our prior written consent.

LIMITATION OF LIABILITY

Although we have taken all reasonable care 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. Heritage Bank Limited and third party data providers are not providing any warranties and representations whatsoever regarding the website. Further, Heritage Bank Limited 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.

Nothing herein shall be interpreted as limiting or reducing Heritage Bank Limited’s obligations to customers in accordance with applicable laws in force in the Federal Republic of Nigeria and banking and other financial institutions regulations that may be laid down from time to time.

Under no circumstances will Heritage Bank Limited 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 Heritage Bank Limited has been informed of the likelihood of such damages occurring and regardless of the form of action, whether in contract, tort, or otherwise.

Enforceability

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 into with Heritage Bank Limited.

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.

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