Terms & Conditions

1. Introduction

Welcome to BellMonie Microfinance Bank ("BellMonie", "we", "us", or "our"). These Terms and Conditions govern your use of our banking services, website, and mobile applications.

2. Account Opening

To open an account with BellMonie, you must be at least 18 years old and provide valid identification documents as required by Nigerian banking regulations. You agree to provide accurate and complete information during the account opening process.

3. Account Usage

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

4. Fees and Charges

BellMonie may charge fees for certain services. All applicable fees will be disclosed to you before you incur them. We reserve the right to modify our fee structure with prior notice to account holders.

5. Regulatory Compliance

BellMonie is a financial technology company. Banking and deposit services are provided through our licensed partner banks, which are regulated by the Central Bank of Nigeria (CBN). Deposits held with our partner banks are insured by the Nigerian Deposit Insurance Corporation (NDIC) up to the maximum amount permitted by law.

6. Limitation of Liability

BellMonie shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with your use of our services, except as required by applicable law.

7. Contact Information

If you have any questions about these Terms and Conditions, please contact us at support@bellmonie.com or visit our Contact page.