Terms and conditions | Oakland Microfinance

Terms and Conditions 1. *Acceptance of Terms* By using the mobile banking service, you agree to be bound by the terms and conditions outlined in the agreement. The bank may update or modify these terms at any time, and continued use of the service constitutes acceptance of the revised terms. 2. *Eligibility* You must be a registered account holder with the bank to use the mobile banking service. You may need to meet certain criteria, such as being of legal age, to access specific features. 3. *Services Provided* The mobile banking service allows you to perform various banking transactions, such as checking account balances, transferring funds, paying bills, and more. The bank may offer additional services, such as mobile check deposit, account alerts, account opening both current and savings account and financial management tools. 4. *Access and Security* You are responsible for maintaining the confidentiality of your login credentials (e.g., username, password, PIN). You must notify the bank immediately if you suspect unauthorized access to your account. The bank may implement security measures, such as multi-factor authentication, to protect your account. 5. *User Responsibilities* You agree to use the mobile banking service only for lawful purposes. You must provide accurate and complete information when using the service. You are responsible for any transactions made through your account, whether authorized or unauthorized. 6. *Fees and Charges* The bank may charge fees for certain mobile banking services, such as wire transfers or expedited bill payments.

Any Applicable fees will be disclosed to you before you complete a transaction. 7. *Limitations of Liability* The bank is not liable for any losses or damages resulting from the use of the mobile banking service, except in cases of gross negligence or willful misconduct. The bank is not responsible for any issues arising from the use of third-party apps or services that interact with the mobile banking platform. 8. *Privacy and Data Protection* The bank will handle your personal information in accordance with its privacy policy. Your data may be stored and processed in accordance with applicable laws and regulations. 9. *Service Availability* The bank does not guarantee that the mobile banking service will be available at all times. The service may be temporarily unavailable due to maintenance, technical issues, or other reasons. 10. *Termination* The bank may terminate or suspend your access to the mobile banking service at any time, with or without notice. You may also choose to stop using the service at any time. 11. *Governing Law* The terms and conditions are governed by the laws of the jurisdiction in which the bank operates. Any disputes arising from the use of the mobile banking service will be resolved in accordance with these laws. 12. *Contact Information* The bank will provide contact details for customer support in case you have questions or need assistance with the mobile banking service.

13. *Third-Party Services* If the mobile banking service integrates with third-party services (e.g., payment processors, financial apps), the bank is not responsible for the actions or policies of these third parties. 14. *Updates and Notifications* The bank may send you notifications, alerts, or updates related to your account or the mobile banking service. You can usually manage your notification preferences through the mobile banking app. 15. *Dispute Resolution* In case of disputes, the bank may require you to follow a specific process, such as filing a complaint or going through arbitration. 16. *Intellectual Property* The mobile banking app and its content (e.g., logos, trademarks) are the property of the bank or its licensors. You may not reproduce, distribute, or modify any part of the app without the bank's permission. 17. *Force Majeure* The bank is not liable for any failure to perform its obligations due to events beyond its control, such as natural disasters, wars, or technical failures. 18. *Entire Agreement* The terms and conditions constitute the entire agreement between you and the bank regarding the use of the mobile banking service.