Rafiki different ways to make money online microfinance bank

4. Upon rafiki microfinance bank receiving notice of the demise of different ways to make money online an individual customer, rafiki microfinance bank will not be obliged to allow any different ways to make money online operation or withdrawal from the account by any person except different ways to make money online on production of a death certificate and a court order different ways to make money online from a court of competent jurisdiction or any other relevant different ways to make money online document recognized by law for succession purposes.

6. Account holder/depositor wishing to close the account must, surrender any unused in house/ cheques, ATM cards and any other documents, instruments issued by rafiki microfinance bank on the account. The account holder will also be liable for account closing different ways to make money online charges as in force, at rafiki microfinance bank before he can be paid the different ways to make money online last remaining credit balance, if any.

(a) rafiki microfinance bank shall classify an account as an inactive different ways to make money online if there are no customer-induced transactions for a period of six (6) months in the subject account. An account shall be classified as dormant if there are different ways to make money online no customer-induced transactions for six (6) months in the account i.E. Any customer-induced transactions for further period of six (6) months after the account had become inactive. Customer induced transactions shall mean any credit or de transactions different ways to make money online done by a customer in account.

(b) rafiki microfinance bank shall decline services and/or transaction in the account of a customer, which has been classified as inactive or dormant unless the different ways to make money online customer reactivates it in writing at its/his/her domicile branch.In any way, or if received for payment more than six months after different ways to make money online the date the cheque is drawn, or as and when the account has been classified as different ways to make money online inactive or dormant as herein stipulated.

The customer may be allowed to open and maintain a different ways to make money online fixed deposit account(s) for any stipulated period of time and as may be different ways to make money online agreed between rafiki microfinance bank and such customer. The interest rates applicable thereto shall be subject to change different ways to make money online and rafiki microfinance bank may vary the same if so different ways to make money online dictated to by the prevailing laws, day to day market rates, directives from the regulators and or the government of kenya different ways to make money online and or if the customer is in breach of any different ways to make money online the terms or conditions therein. The customer may be issued with a notice to that different ways to make money online effect.

When the customer is indebted to rafiki microfinance bank, rafiki microfinance bank shall have a general lien over all different ways to make money online property of the customer in rafiki microfinance bank’s possession including, but not limited to cash, goods, securities or valuables deposited for safe custody or as security, cheques presented for payment, bills and any other property movable or immovable charged to different ways to make money online secure repayment of any money whether or not that money different ways to make money online has been repaid; and also all property over which by the general law different ways to make money online rafiki microfinance bank has a lien. As such, the customer hereby consents to that effect.

Rafiki microfinance bank may at any time, with or without notice to the customer, terminate or vary its business relationship with the customer and different ways to make money online in particular but without prejudice to the generality of the different ways to make money online foregoing rafiki microfinance bank may cancel credits which it has different ways to make money online granted and require the repayment of outstanding debts resulting there different ways to make money online from with such time as rafiki microfinance bank may determine different ways to make money online at its sole discretion.

Rafiki microfinance bank may at any time freeze any account different ways to make money online of the customer if and so long as there is different ways to make money online any dispute and/or rafiki microfinance bank has doubt for any other reason different ways to make money online (whether or not well founded) as to the person or persons entitled to operate the different ways to make money online same, without any obligation to institute interpleader proceedings or to take different ways to make money online any step of its own initiative for the determination of different ways to make money online such dispute or doubt. The customer hereby consents to such freezing.

16. You can register only one mobile phone for multiple accounts different ways to make money online but can register multiple numbers for one account number. You hereby confirm, declare and acknowledge that the phone number provided to us different ways to make money online is owed by you or in your control and that different ways to make money online any communication from and to the said phone is and different ways to make money online shall be with the knowledge of and within your control. You shall in all circumstances accept full responsibility for any different ways to make money online and in all instructions sent to us from the phone different ways to make money online number and you hereby authorize us to act on the different ways to make money online instructions and process any and all transactions. You agree and acknowledge that we shall in no way different ways to make money online be held responsible or liable if you incur loss as different ways to make money online a result of carrying out the instructions of your pursuant different ways to make money online to your access of the rafiki M-banking.

19. You shall use only the mobile phone number that has different ways to make money online been informed to us stated in the application form. You shall promptly notify us, by filling out a change request form, of any changes to information provided to us by you different ways to make money online relating to or for the purposes of the rafiki M-banking including the details of your designated mobile phone number different ways to make money online and the telecommunication company providing or servicing it. In addition, you shall promptly inform us of any loss or theft different ways to make money online of your mobile phone by calling our help desk at different ways to make money online card centre on telephone numbers provided from time to time. We shall not be liable for any loss or claim different ways to make money online resulting from the relaying of any information to the designated different ways to make money online mobile phone number prior to receipt of any of notification different ways to make money online of loss or theft, the bank shall deactivate the subscription until further instructions a different ways to make money online received.

21. We shall not assume any liability or responsibility for any different ways to make money online failure or delay in transmitting information to you or any different ways to make money online error in such information, unless this results from negligence or willful default on our different ways to make money online part. We shall not assume any liability or responsibility for the different ways to make money online consequences arising from any cause beyond our control including, without limitation, failure of your telecommunications equipment to receive information for whatever different ways to make money online reason, any telecommunications breakdown. Mechanical failure, path failure, malfunction, breakdown, interruption or accuracy of equipment or installation, force majeure event such as sabotage, fire, floods, explosion, acts of god, civil commotion, strikes, act of government, computer hacking, unauthorized access to computer data, computer crashes etc.

22. We will provide you with an initial PIN at the different ways to make money online time of availing of service. You must keep your personal identification number (PIN) confidential never under any circumstances disclosing it to any one different ways to make money online and take all reasonable care to prevent its unauthorized and different ways to make money online fraudulent use. You acknowledge that the PIN selected acts as your authorized different ways to make money online signature. The pin authorizes and validates directions given by you. If you give your pin to anyone or fail to different ways to make money online safe guard its secrecy, you do so at your own risk and we shall different ways to make money online not be liable for any loss arising from a s different ways to make money online shared pin.

24. We shall not be liable for any losses or damaged different ways to make money online caused (a) by the disclosure of confidential information to the designated mobile different ways to make money online phone where designated mobile phone is in another person’s possession with your consent; or to your data, designated mobile phone, communications equipment or other equipment, in each case caused by your use of the rafiki different ways to make money online M-banking unless such loss or damage is directly and solely different ways to make money online caused by our willful default or negligence.

26. Any notice from us to you may be in such different ways to make money online manner and by such means of communication as we shall different ways to make money online deem fit, including, without limitation , use of direct mailing material, advertisement, branch display, electronic communication such as e-mail or via the rafiki M-banking. Any notice from you to us shall be in writing different ways to make money online at the following address unless otherwise indicated in this terms different ways to make money online & conditions: card centre, rafiki microfinance bank P.O box 12755-00400 nrb.

27. We reserve the right at all times to vary or different ways to make money online amend the foregoing terms & conditions or to introduce new terms & conditions. Any such variations or amendments shall become effective and binding different ways to make money online on you upon notification by us to you. If you are unwilling to accept such variations or amendments different ways to make money online you may terminate the rafiki M-banking services by providing written notice thereof.

E) if a card is lost or stolen the card holder different ways to make money online must notify the rafiki microfinance bank immediately. The card holder shall be liable in respect of such different ways to make money online a transaction instruction given prior to receipt by the rafiki different ways to make money online microfinance bank at such a notification of such a loss, theft or disclosures within kenya and worldwide to withdraw and different ways to make money online purchase goods.

G) card transactions shall be evidenced by a voucher signed issued different ways to make money online by the merchant and authorized be you using a PIN different ways to make money online or a signature. You shall enter your PIN or append your signature when different ways to make money online using your card to purchase goods and services but failure different ways to make money online to so shall not relieve of your duties or from different ways to make money online liability for any card transaction effected by the rafiki microfinance different ways to make money online bank for your account through use of your card.

A) if a card is lost or stolen, or if a PIN is disclosed to any authorized person, the card holder(s) must immediately notify the rafiki microfinance bank of such loss, theft or disclosure. Any verbal notification must be confirmed in writing immediately. The card holder(s) will be liable of any transactions given prior to receipt different ways to make money online by the rafiki microfinance bank or notification of such loss, theft or disclosure.

B) the ATM card may for various reasons, be captured (retained) by the ATM terminal. The card holder should visit rafiki microfinance bank /branch where his/her card was captured on the next working day and different ways to make money online present the ATM services slip given by the ATM during different ways to make money online capture together with his/her national ID in order for him/her to get their card back.

A) the card holder(s) shall be fully liable in each transaction instruction given by different ways to make money online the use of his/her card confidential information displayed on a terminal must not different ways to make money online be disclosed by a third party. Rafiki microfinance bank shall not be liable for any disclosure different ways to make money online arising out of a transaction instruction or to loss, injury or damage arising from the use of the ATM different ways to make money online terminal.

38) rafiki microfinance bank shall not be liable if its unable different ways to make money online to perform its obligations under this agreement due directly or different ways to make money online indirectly) to the failure of any machine data processing system, transmission link, industrial disputes ,strikes ,lockouts, acts of any public enemy ,wars, blockades, insurrections, riots, fires, civil disturbances, government regulations and directions, fraudulent activity, terrorist action or anything outside its direct control or that different ways to make money online of its agents or subcontractors.

For the purpose of this indemnity and/or undertaking, the word services shall be deemed to include any form different ways to make money online of banking services or products that rafiki microfinance bank may different ways to make money online offer its customers from time to time including any cards different ways to make money online and access codes. This indemnity and undertaking shall be deemed to be an different ways to make money online integral part of the account opening form executed by me/us as amended from time to time

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