These terms and conditions are between you and Givers & Receivers Co-op Ltd; (a.k.a God's Bank UnLimited) herein described as "we", "us" and "our".

i. Your use of our services constitute an acknowledgement that you have read and understood the most recent version of our terms and conditions and that you agree to be bound by them: IF YOU DO NOT AGREE TO BE SO BOUND BY THESE TERMS, PLEASE DO NOT DO ANY BUSINESS WITH US.

ii. We reserve the right to amend these terms and conditions at any time without further recourse to you.

iii. You voluntarily without any inducement accept to be a member of Givers & Receivers Multi Purpose Co-operative Society Limited (a.k.a. God's Bank UnLimited).

iv. That you understand that we are not a bank but a Co-operative Society and that this is our initiative to contribute our quota to reducing the problem of poverty globally.

v. That you are ready, able and willing to contribute to one another, that is, invite two (2) persons to contribute to you; who will in turn invite two (2) persons to contribute to them.

vi. That you understand that our policy is NO CONTRIBUTION & INVITATION, NO COLLECTION.

vii. Immediately you fill the COMPLETE FORM and submit but within 48 hours, subject to unseen circumstances, like network failure, electricity failure or any act of God or other causes beyond our control, you will be paid to your account as filled in the form. Make sure your data is filled correctly.

viii. No double entry with one teller.

ix. Any sharp practice will be disqualified.

Disclaimer of Warranty: You acknowledge that your use of the service provided by us is entirely as "it is" and even though the accuracy of its contents have been tried and tested over the years to the fullest extent possible and permissible by the law, we disclaim any express or implied warranties or liabilities of the service herein, and that it is at your own risk as no payment made to us will be refunded under no circumstances. We will not be responsible to you or any third party under any circumstances for any damages, including but now limited to indirect, consequential, special, punitive or exemplary damages or for losses which you may incur in connection with our services.

We exculpate ourselves from all liabilities which may be due to network - internet or mobile phone interruptions.

Jurisdiction: These terms and conditions shall be governed and interpreted in accordance with the substantive laws of the Federal Republic of Nigeria. In any case of dispute in our operations, you agree to the exclusive jurisdiction of the mechanism of dispute resolution in the Cooperative Societies Laws of Akwa Ibom State, Cap 35 Laws of Akwa Ibom State 2000 and none other including the High Courts and Multi-Door Court Court Houses.

Entire Agreement: The terms and conditions set forth herein may not be exhaustive, but it forms part of the entire understanding and agreement between "U" and "US" with respect to the matter subject hereof. By submitting your form online or offline, you accept our terms and conditions.