Legal Agreement
This Terms of Service agreement constitutes a binding contract between you and Banjul Credit Union Gambia Ltd. By accessing our website, digital banking platforms, or utilizing any financial products, you acknowledge that you have read, understood, and agree to be bound by these provisions.
If you do not agree to these terms, you must refrain from accessing our services. Continued usage signifies ongoing acceptance of all updated terms, amendments, and operational policies established by the institution.
Products and Services
Banjul Credit Union provides a range of personal, business, and corporate financial solutions including savings accounts, loans, trade finance, and digital banking access. All products and services are offered subject to eligibility verification, regulatory approvals, and specific product-level agreements.
We reserve the right to modify, suspend, or discontinue any product or service feature at our discretion, provided proper notification is communicated to active account holders in compliance with regulatory standards.
Data Protection, Disclosure of Personal Information and Security
Your privacy and data confidentiality are paramount. We collect, process, and maintain your personal and financial information in strict accordance with statutory data protection regulations and Central Bank of The Gambia directives.
Personal information will not be disclosed to third parties except where required by law, necessary to complete member-authorized transactions, or shared with trusted statutory service providers operating under strict confidentiality obligations.
Termination
Members may terminate their banking relationship or digital accounts at any time by delivering formal written notice or completing account closure requirements at any branch office, provided all outstanding obligations are settled.
Banjul Credit Union reserves the right to suspend or terminate accounts in cases of suspected fraudulent activity, breach of terms, regulatory non-compliance, or prolonged account inactivity, subject to applicable legal guidelines.
Availability
While we strive to ensure 24/7 continuous operational availability across our online banking portals, mobile services, and ATM networks, access may occasionally be interrupted for scheduled maintenance, system upgrades, or emergency technical resolution.
Banjul Credit Union shall not be liable for temporary service interruptions caused by telecommunication failures, power outages, or events beyond our reasonable operational control.
Copyright and Intellectual Property Rights
All content, branding, trademarks, graphics, code, and interfaces on this platform are the exclusive property of Banjul Credit Union Gambia Ltd or its licensed partners.
Unauthorized copying, distribution, modification, or commercial exploitation of any material on this site without explicit written authorization is strictly prohibited.
Third Party Links
Our website and online channels may contain links to external third-party websites or services for informational purposes or payment processing convenience.
Banjul Credit Union does not endorse, control, or assume responsibility for the content, privacy practices, or security standards of any third-party websites accessed through these links.
Disclaimer
All information provided on our website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
Banjul Credit Union does not warrant that information is completely error-free or uninterrupted, though all efforts are made to ensure accuracy and continuous reliability.
Miscellaneous Provisions
Severability: If any provision of these Terms of Service is determined to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.
Waiver: No failure or delay by Banjul Credit Union in exercising any right, power, or privilege under these terms shall operate as a waiver thereof.
Amendments: We reserve the right to revise and update these Terms of Service periodically. Updates will be posted on this page with an updated effective date.
Jurisdiction and Governing Law
These Terms of Service and any non-contractual obligations or legal disputes arising out of or in connection with them shall be governed by and construed in accordance with the laws of The Gambia.
Any legal action, suit, or proceeding arising under or relating to these terms shall be brought exclusively before the courts of competent jurisdiction in The Gambia.