Home » FBNQuest Asset Management » Internet Banking Terms and Conditions

Internet Banking Terms and Conditions


Any person or group of persons who access or rely on this website or the information contained herein does so at their own risk.


By accessing this website, you confirm you are above 18 years old and are deemed to have read and agreed to the following terms and conditions below. These terms and conditions become effective when you access this site for the first time. These terms and conditions are subject to change without notice, from time to time in our sole discretion. You are responsible for being familiar with the current version of these terms and conditions posted on the website during each visit.


If you do not wish to be bound by these terms and conditions, do not access this website.


For purposes of these terms and conditions, “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We” and “Us”, refers to FBN Holdings Plc. subsidiary companies thereunder comprising of FBNQuest Merchant Bank Limited, FBN Capital Limited, FBNQuest Asset Management Limited, FBNQuest Securities Limited, FBN Funds Limited, FBN Capital Partners Limited and FBN Trustees Limited. “Party”, “Parties”, or “Us”, refers to both the Client and the Company, or either the Client or the Company.


You are strictly prohibited from authorised use of our systems or this website, including but not limited to authorised entry into our systems, misuse of passwords, or misuse of any information posted to this Website.


Accuracy of information

While the Company attempts to ensure that the information on this website is accurate, current, complete, fit for its intended purpose and compliant with the relevant Nigerian legislation and regulations as at the time of access, this site and the online services are provided “as is”. The Company makes no representation or warranty, whether express or implied as to the accuracy, completeness or reliability of any information on this website.



Information provided by you shall be kept confidential and not be used or disclosed in any manner incompatible with the purposes for which they are held. Notwithstanding, you acknowledge that we may disclose and transfer any information that you provide through this website to (i) the Company, its affiliates, agents or information providers; or (ii) 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, and by using and providing information through this Website you agree to such transfers.


Monitoring by the Company

Your use of the products and services on this website may be monitored by the Company and the resultant information may be used by the Company for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization. Anyone using this website expressly consents to such monitoring, tracking and recording.


User Conduct

You agree to access and use this website only for lawful purposes. You are solely responsible for the knowledge of, and adherence to any and all laws, statutes, rules and regulations pertaining to (i) your use of this website; (ii) the use of any networks or other services connect to the website; (ii) the  communication means by which you connect your computer or other equipment to this website. By accessing this website, you acknowledge and agree that you will not:


  • Post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, national, or international law


  • Post or transmit any information, software, or other material which violates or infringes in the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder


  • Post or transmit any information, software or other material which contains a virus or other harmful component


  • Claim a relationship with, or speak for any business, association, institution or other organisation for which you are not authorised to claim such relationship


  • Provide any incorrect, inaccurate, misleading or false information or documents about yourself, your bank accounts, your source of funds, or any other information or documentation required by the Company for Know Your Customer (KYC) purposes


For the avoidance of doubt, the Company accepts no liability or responsibility whatsoever for or in respect of verifying or confirming any incorrect, misleading or false information or documents You have provided; You shall be liable for any such incorrect, misleading or false information or documentation, and you shall have no recourse to the Company for or in respect of any such information or documentation provided.


Website content and materials

You are permitted to store, display, analyse, modify, reformat, and print the information made available to you via these services for your own use only. You are by no means, permitted to publish, transmit, or otherwise reproduce this information, in whole or in part, in any format to any third party without the express written consent of the Company. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the information contained on this Website. The Company reserves the right, at any time and from time to time, in the interests of its own editorial discretion and business judgment to add, modify, or remove any of the information without recourse to you. These terms and conditions are not intended to, and will not, transfer or grant any rights in or to the information other than those which are expressly described herein, and all rights not expressly granted herein are automatically reserved by the Company or any third party providers from whom the Company has obtained the information. You are advised to read and abide by any revised or additional terms and conditions that may be posted on this service from time to time concerning information generated by the Company or obtained from specific third party providers. Such third party providers shall have no liability to you for monetary damages on account of the information provided to you via this service.


Some of the content on this website is obtained from the Nigerian Stock Exchange (the “Exchange”), the Central Bank of Nigeria or any other Regulator as may be applicable from time to time. Copyright in such content resides with the requisite regulator and you are permitted to store, display, analyse, modify, reformat and print the information for your use only. Unauthorised copying, deep-linking, downloading, website framing, or re-transmission or any other unauthorised use of such content is prohibited by the regulator(s).


No warranties made as to security

The Company makes no warranty whatsoever to you express or implied, regarding the security of the site, including with respect to the ability of unauthorised persons to intercept or access information transmitted by you through this service. The Company also makes no warranty or representation, whether express or implied, that the information or files available on this Website are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardize, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system, computer network or your hardware or software. You accept all risk associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation or content of a computer system, computer network or your hardware or software.


No warranties; no responsibilities to update

The Company makes no warranty, express or implied, concerning this service. The services provided by us are on an “as is” basis at your sole risk. The Company expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the services with respect to their correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability.


Neither the Company nor any of its third party providers shall have any responsibility to maintain the data and services made available on this website or to supply any corrections, updates, or releases in connection therewith. Availability of data and services are subject to change without notice.


Please remember that past performance is not necessarily a guide to future performance, and that there can be no assurance that comparable results will be achieved. The value of investments and the income from them can go down as well as up and investors may not get back the amount originally invested. Exchange rate changes may cause the value of investments made by offshore investors to rise or fall. For further details on any of the products mentioned on this website, please read the relevant offering documents or prospectus.


Content not to be construed as a solicitation or recommendation

Content on this website is for informational purposes only without regard to any particular user’s investment objectives, financial situation, or means, and the Company is not soliciting any action based upon it. Information is not to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or trading strategy would be illegal. Certain transactions give rise to substantial risk and are not suitable for all investors.


No determination of suitability has been made; not all risks are disclosed; private advisors should be consulted

The fact that the Company has made the data and services provided on this website available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any product described on this website is suitable or appropriate for you. Many of the products described on this website involve significant risks, and you should not enter into any transactions unless you have fully understood all such risks and have independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should not construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice nor make this service the primary basis for any investment decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you may want to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions.


Copyright notice

Copyright and other relevant intellectual property rights exist on all text relating to the Company’s services and the full content of this website.


Potential disruption of service

You shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed to access and use this website. Access to this website may from time to time be unavailable, delayed, limited or slow due to, among other things:


  • Hardware failure, including among other things, failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment


  • Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content


  • Overload of system capacities


  • Damage caused by severe weather, earthquakes, wars, insurrection, riots, terrorism, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters


  • Interruption (whether partial or total) of power supplies or other utility of service


  • Strike or other stoppage (whether partial or total) of labor


  • Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention


  • Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond our control


If access to this website is unavailable, delayed or limited or if this website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with us, and such communications are disrupted or delayed, you may suffer losses. The Company shall not be liable for any such loss.


Links from this website

This service may provide links to certain Internet sites (the “sites”) sponsored and maintained by third parties. The Company is providing such links solely for convenience to you. Accordingly, the Company makes no representations concerning the content of the sites. We do not monitor or review the content of other party’s sites which are linked to from this website. Opinions expressed or materials appearing on such sites do not constitute an endorsement by us and should not be regarded as the publisher of such opinions or materials. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage you to be aware when they leave our site & to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. The Company will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.


Limitation of liability

The Company shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this service, or for any interruption or disruption of such access or any erroneous communication between the Company and you, regardless of whether the connection or communication service is provided by the Company or a third party service provider. The Company shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the delivery of the data and services available on this website or for any other aspect of the performance of this service or for any failure or delay in the execution of any transactions through this service. In no event shall the Company be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced on account of you using the data or services made available on this website, even where the Company has been advised of the possibility of such damages. The Company shall have no responsibility to inform you of any difficulties experienced by the Company or third parties with respect to the use of the services or to take any action in connection therewith.



You agree to, and hereby indemnify and hold the Company, its affiliate and subsidiaries, as well as their respective directors, officers, employees, and agents from any and all liabilities, claims and expenses, including attorney’s fees arising from your breach of this agreement, any other policy, your use or access of the website, or any internet site linked to or from the website, or in connection with the transmission of any content on the website.


Governing law

In the event any of the terms or provisions of these terms and conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These terms and conditions shall be subject to any other agreements you have entered into with the Company. The user’s access to and use of the website, and the terms of this disclaimer are governed by the laws of the Federal Republic of Nigeria without regards to the conflict of law provisions.


You consent to the personal and exclusive jurisdiction of the courts located within Lagos State of Nigeria.


No waiver

The Company’s failure to exercise or enforce any right or provision of the terms of service shall not constitute a waiver of such right or provision or prevent a subsequent enforcement of that or any other right or provision. No waiver of any of the provisions of this or any agreement shall be effective unless it is expressly stated to be such and signed by both parties.


Termination and notification of changes

The Company may in its sole discretion terminate, suspend and/or modify the contents of this Website with or without notice to you. The Company reserves the right to terminate, suspend and/or modify these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. You agree that the Company, its affiliates or subsidiaries shall not be liable to you in the event that it chooses to terminate, suspend or modify this Website or your use of this website.


This website is issued or approved by the Company which is authorised and regulated by the Central Bank of Nigeria, the Securities and Exchange Commission, the Nigeria Deposit Insurance Corporation as the case may be, and any other regulator as may be in force from time to time.

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