Terms of Service
Please read these terms and conditions carefully before using our services. By using our services, you agree to be bound by these terms.
Acceptance of Terms
By accessing and using the services provided by NtaLCCUL (Ntahnkah Legacy Cooperative Credit Union Limited), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
These terms apply to all users of our services, including but not limited to account holders, loan applicants, and visitors to our website.
Service Description
NtaLCCUL provides financial services including but not limited to:
- Savings and current accounts
- Personal and business loans
- Agricultural financing
- Investment services
- Digital banking solutions
- Financial advisory services
Membership Requirements
To access our services, you must meet the following requirements:
- Any age group
- Any where in Cameroon or the world at large
- Provide valid identification documents
- Complete the membership application process
- Pay the required membership fee
Account Terms
Account Opening
All accounts are subject to approval and verification of provided information. We reserve the right to refuse account opening for any reason.
Account Maintenance
You are responsible for maintaining accurate account information and notifying us of any changes. Minimum balance requirements may apply to certain account types.
Account Security
You are responsible for maintaining the confidentiality of your account credentials and reporting any unauthorized access immediately.
Loan Terms
Loan Eligibility
Loan approval is subject to credit assessment, income verification, and meeting specific eligibility criteria for each loan type.
Interest and Fees
Interest rates and fees are disclosed at the time of loan application and may vary based on loan type, amount, and term.
Repayment
You are responsible for making timely loan payments. Late payments may result in additional fees and affect your credit standing.
Digital Services
Online Banking
Our digital services are provided "as is" and may be subject to technical limitations or temporary unavailability.
Security Measures
We implement security measures to protect your information, but you are responsible for maintaining secure access to your devices and accounts.
Privacy and Data Protection
We are committed to protecting your privacy and personal information. Our data collection, use, and protection practices are detailed in our Privacy Policy.
By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
Prohibited Activities
The following activities are strictly prohibited:
- Providing false or misleading information
- Using our services for illegal purposes
- Attempting to gain unauthorized access to our systems
- Interfering with the proper functioning of our services
- Violating any applicable laws or regulations
Limitation of Liability
NtaLCCUL shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Our total liability shall not exceed the amount of fees paid by you for the specific service giving rise to the claim.
Termination
We may terminate or suspend your access to our services at any time for violation of these terms or for any other reason.
You may terminate your membership by providing written notice and settling all outstanding obligations.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website.
Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
Governing Law
These terms shall be governed by and construed in accordance with the laws of Cameroon. Any disputes shall be resolved in the courts of the Northwest Region.
Contact Information
If you have any questions about these terms, please contact us:
NtaLCCUL
Small Mankon, Bamenda
Northwest Region, Cameroon
Email: ntalccul2024@gmail.com
Phone: +237 675 431 593
Effective Date
These Terms of Service are effective as of December 1, 2024, and will remain in effect until modified or terminated.