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Terms & Conditions
GTBank Mobile App Service Agreement
1. User Account & Eligibility
- You must be at least 18 years of age to use GTBank services
- You are responsible for maintaining the confidentiality of your account credentials
- You must not share your username, password, or PIN with anyone
- All information provided must be accurate, complete, and current
- You are liable for all activities that occur under your account
2. Acceptable Use
- You agree to use the app only for lawful purposes
- You may not engage in any fraudulent or unauthorized transactions
- Prohibited activities include money laundering, terrorist financing, and sanctions violations
- You must comply with all applicable laws and regulations
- GTBank reserves the right to suspend accounts engaged in illegal activities
3. Transaction Limits & Fees
- Daily transfer limit: ₦5,000,000 per transaction
- Monthly limit: Unlimited with proper verification
- Transaction fees vary by service type and are displayed before confirmation
- Fees are non-refundable once transaction is completed
- GTBank may modify fees with 30 days notice
Last Updated: January 15, 2024 | Version: 2.1
Privacy Policy
How GTBank Protects Your Data
1. Information We Collect
- Personal Information: Name, email, phone number, address, date of birth
- Financial Data: Account numbers, transaction history, balance information
- Device Information: Device type, operating system, unique identifiers
- Location Data: GPS location (with your permission) for fraud prevention
- Usage Analytics: How you interact with the app, features used, time spent
2. How We Use Your Information
- To provide, maintain, and improve our services
- To process transactions and manage your account
- To prevent fraud and detect unauthorized access
- To comply with legal and regulatory requirements
- To send you important notices and updates (with your consent)
- To analyze user behavior and improve the app experience
3. Data Security Measures
- Encryption: 256-bit SSL/TLS encryption for all data in transit
- Storage: AES-256 encryption for data at rest
- Authentication: Multi-factor authentication and biometric security
- Access Control: Role-based access to minimize data exposure
- Regular Audits: Third-party security assessments quarterly
- Incident Response: 24/7 monitoring and incident response team
Last Updated: January 10, 2024 | Contact: privacy@gtbank.com
Data Protection Policy
GDPR Compliance & Your Rights
1. Legal Basis for Processing
- Contractual Obligation: Necessary to fulfill our agreement with you
- Legal Compliance: Required by banking and financial regulations
- Legitimate Interests: Fraud prevention and security
- Explicit Consent: For marketing and optional features
2. Your GDPR Rights
- Right to Access: Request a copy of your personal data
- Right to Rectification: Correct inaccurate information
- Right to Erasure: Request deletion (with some exceptions)
- Right to Restrict Processing: Limit how we use your data
- Right to Data Portability: Get your data in machine-readable format
Last Updated: January 5, 2024 | Effective: GDPR Compliant
Community Guidelines
Standards for GTBank Community
1. Acceptable Use & Conduct
- All transactions must be lawful and comply with local laws
- No fraudulent, deceptive, or misleading activities
- No harassment, discrimination, or hate speech
- Respectful communication with other users and support team
2. Prohibited Activities
- Financial Crimes: Money laundering, terrorist financing
- Fraud: Identity theft, account takeover, payment fraud
- Unauthorized Access: Hacking, credential sharing
Last Updated: December 20, 2023
Disclaimer
Service Limitations & Important Legal Notice
1. Service AS-IS Disclaimer
- GTBank services are provided on an "AS-IS" and "AS-AVAILABLE" basis
- We make no warranties, express or implied, about service quality
- We do not guarantee uninterrupted or error-free service
2. Limitation of Liability
- No Indirect Damages: We are not liable for lost profits or data
- No Consequential Damages: Penalties or special damages are excluded
- Liability Cap: Maximum liability equals transaction amount
Last Updated: January 15, 2024
Important: This disclaimer is binding.
Questions About Our Legal Documents?
Legal Inquiries
legal@gtbank.com
Privacy Concerns
privacy@gtbank.com
All documents are effective as of January 2024
GTBank reserves the right to update these documents at any time.
Continued use of the app constitutes acceptance of any changes.