TERMS & CONDITIONS
These terms and conditions outline the rules and regulations for the use of First Atlantic Bank's portal, located at pay.firstatlantcibank.com.gh/digipay. By accessing this portal you are deemed to have accepted these terms and conditions. Do not continue to use FAB DIGIPAY PORTAL if you do not agree to be bound by all the terms and conditions herein stated.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements:
"Client", "You " and "Your" refers to you, the person logged on this portal and compliant to the Company’s terms and conditions. " The Company", "Ourselves", "We", "Our " and "Us ", refers to our Company. " Party", "Parties", or "Us ", refers to both the Client and ourselves.
All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Ghana.
Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.
Cookies:
We employ the use of cookies therefore by accessing FAB GH CARD PORTAL, you are deemed to have agreed to use cookies in agreement with the First Atlantic Bank's Privacy Policy. Most interactive portals use cookies to let us retrieve the user’s details for each visit. Cookies are used by our portal to enable the functionality of certain areas to make it easier for people visiting our portal. Some of our affiliate/advertising partners may also use cookies.
License Unless otherwise stated, First Atlantic Bank and/or its licensors own the intellectual property rights for all material on FAB DIGIPAY PORTAL. All intellectual property rights are reserved. You may access this from FAB DIGIPAY PORTAL for your own personal use subjected to restrictions set in these terms and conditions.
You must not:

• Republish material from FAB DIGIPAY PORTAL
• Sell, rent or sub-license material from FAB DIGIPAY PORTAL
• Reproduce, duplicate or copy material from FAB DIGIPAY PORTAL
• Redistribute content from FAB DIGIPAY PORTAL

This Agreement shall begin on the date hereof. Parts of this portal offer an opportunity for users to post and exchange opinions and information in certain areas of the portal. First Atlantic Bank does not filter, edit, publish or review comments prior to their presence on the portal. Comments do not reflect the views and opinions of First Atlantic Bank, its agents and/or affiliates.
Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, First Atlantic Bank shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this portal.
First Atlantic Bank reserves the right to monitor all Comments and to remove any Comment, which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.
You warrant and represent that:

• You are entitled to post the Comments on our portal and have all necessary licenses and consents to do so;
• The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
• The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity. You hereby grant First Atlantic Bank a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Your Privacy:
Please read Privacy Policy Reservation of Rights We reserve the right to request that you remove all links or any particular link to our portal. You approve to share your details such as Account Number, Ghana Card Number and Image once accept our terms and conditions. We also reserve the right to amend these terms and conditions and it’s linking policy at any time. By continuously using our portal, you agree to be bound to and follow these terms and conditions.
Disclaimer:
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our platform and the use of this platform. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law. The limitations and prohibitions of liability set in this section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty. As long as the portal and the information and services on the portal are provided free of charge, we will not be liable for any loss or damage of any nature.