Thank you for your interest in Guaranty Trust Bank’s APIs, our developer services, and associated software (collectively, "APIs"). By accessing or using our APIs, you are agreeing to the terms below. If there is a conflict between these terms and additional terms applicable to a given API, the additional terms will control for that conflict. Collectively, we refer to the terms below, any additional terms, terms within the accompanying API documentation, and any applicable policies and guidelines as the "Terms." You agree to comply with the Terms and that the Terms control your relationship with us. So please read all the Terms carefully.
Section 1: Account and Registration
a. Accepting the Terms
You may not use the APIs and may not accept the Terms if (a) you are not of legal age to form a binding contract with GTBank, or (b) you are a person legally barred from using or receiving the APIs under the relevant applicable laws of Nigeria or other countries including the country in which you are resident or from which you use the APIs.
b. Entity Level Acceptance
If you are using the APIs on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms and by accepting these Terms, you are doing so on behalf of that entity (and all references to "you" in these Terms shall refer to that entity).
In order to access certain APIs, you may be required to provide certain information (such as identification or contact details) as part of the registration process for the APIs, or as part of your continued use of the APIs. Any registration information you give to GTBank must always be accurate and up to date and you must inform us promptly of any updates or changes thereto.
Section 2: License
a. API License
As long as you comply with these API Terms, GTBank grants you a limited, non-exclusive, non-assignable and non-transferable license to use its APIs to develop, test, and support any software application, website, or product, and to integrate the GTBank APIs with your Application. Your license is subject to the provisions set forth in Section 3 below, and you agree that violation of Section 3 will constitute a fundamental breach and shall automatically terminate your license to use the GTBank APIs.
Section 3: Using Our APIs
a. Your End Users
You shall request that your end users comply with (and not knowingly enable them to violate) applicable laws, regulations, and these Terms.
b. Compliance with Law, Third Party Rights, and Other GTBank Terms of Service
You shall comply with all relevant applicable laws, regulations, and third-party rights (including without limitation, laws regarding the import or export of data or software, privacy, and local laws). You shall not use these APIs to encourage or promote illegal activities or violation of third-party rights. You shall not violate any other terms of service with GTBank.
You shall not use this APIs in violation of any law or regulation, or rights of any person, including but not limited to intellectual property rights, rights of privacy, or rights of personality, or in any manner inconsistent with these Terms or GTBank’s other agreements to which you are subject.
c. Permitted Access
You shall only access (or attempt to access) an API by the means described in the documentation of that API. If GTBank assigns you a developer credentials (e.g. client IDs and Secret Keys), you must use them with the applicable APIs. You shall not misrepresent or mask either your identity or your API Clients’ identity when using the APIs or developer accounts.
d. Scope of Acceptable Use
You shall not use the APIs or any other technology in a manner that accesses or uses any information received beyond what GTBank allows under these Terms or the Documentation; that changes the GTBank’s Services; that breaks or circumvents any of GTBank’s technical, administrative, process or security measures, that disrupts or degrades the performance of the APIs; or that tests the vulnerability of GTBank’s systems or networks.
You shall not transmit or attempt to transmit any viruses or other computer programming that may damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system or data.
f. Reverse Engineering
You shall not attempt to or reverse engineer or otherwise derive source code, trade secrets, or know-how in the APIs or portions thereof.
g. Commercial Use
You may charge for your Application. However, you shall not sell, rent, lease, sub-license, re-distribute, or syndicate access to the API Client and Secret Key.
h. Api Limitations
GTBank shall in its sole discretion, set and enforce limits on your use of the APIs (e.g. limiting the number of API requests that you may make or the number of users you may serve). You hereby agree to, and will not attempt to circumvent such limitations documented with each API.
i. Communication with GTBank
We may send you certain communications in connection with your use of the APIs. Please review the applicable API documentation for information about opting out of certain types of communication.
Where you provide feedback or suggestions about our APIs, then we (and those we allow) may use such information without recourse to you.
This Terms are non-exclusive to you. Therefore, you acknowledge that GTBank may develop products or services that may compete with the API Clients or any other products or services.
Section 4: Your API Clients
a. API Clients and Monitoring
The APIs are designed to help you enhance your websites and applications ("API Client(s)"). YOU HEREBY AGREE THAT GTBANK MAY MONITOR THE USE OF THE APIS TO ENSURE QUALITY, IMPROVE GTBANK’s PRODUCTS AND SERVICES, AND VERIFY YOUR COMPLIANCE WITH THIS TERMS. This monitoring may include, GTBANK accessing and using your API Client, for example to identify security issues that could affect GTBank or its customers. You will not interfere with this monitoring. GTBank shall use any technical means to overcome such interference. Also, GTBank may suspend access to the APIs by you or your API Client without notice if we reasonably believe that you are in violation of this Terms.
You must protect user information collected by your API Client, including personally identifiable information ("PII"), from unauthorized access or use and will promptly report to your users any unauthorized access or use of such information to the extent required by applicable law.
GTBank does not acquire ownership in your API Clients, and by using our APIs, you do not acquire ownership of any rights in our APIs or the content that is accessed through our APIs.
d. User Privacy and API Clients
Section 5: Prohibitions and Confidentiality
a. API Prohibitions
When using the APIs, you shall not (or allow those acting on your behalf to):
Sublicense an API for use by a third party. Consequently, you shall not create an API Client that functions substantially the same as the APIs and offer it for use by third parties.
Perform an action with the intent of introducing to GTBank products and services any viruses, worms, defects, Trojan horses, malware, or any items of a destructive nature.
Defame, abuse, harass, stalk, or threaten other Users.
Interfere with or disrupt the APIs or the servers or networks providing the APIs.
Promote or facilitate unlawful or disruptive commercial messages or advertisements.
Reverse engineer or attempt to extract the source code from any API or any related software, except to the extent that this restriction is not expressly prohibited by applicable laws.
Use the APIs for any activities where the use or failure of the APIs could lead to death, personal injury, or environmental damage (such as the operation of nuclear facilities, air traffic control, or life support systems).
Remove, obscure, or alter any GTBank terms of service or any links to or notices of those terms.
b. Confidential Matters
Developer credentials (such as passwords, keys, and client IDs) are intended to be used to identify you and your API Client. You shall keep your credentials confidential and make reasonable efforts to prevent and discourage other API Clients from using your credentials. Developer credentials shall not be embedded in open source projects.
Our communications to you and our APIs shall contain GTBank confidential information. GTBank confidential information includes any materials, communications, and information that are marked confidential or that would normally be considered confidential under the circumstances. If you receive any such information, then you shall not disclose same to any third party without GTBank's prior written consent. GTBank confidential information does not include information that you independently developed or which was rightfully given to you by a third party without confidentiality obligation, or which becomes public through no fault of your own. However, you may disclose GTBank’s confidential information when compelled to do so by law but you shall provide us with reasonable prior notice, unless a court orders that we do not receive notice.
Section 6: Content
a. Content Accessible Through our APIs
Content accessible through our APIs may be subject to intellectual property rights, and, if so, you may not use it unless you are licensed to do so by the owner of that content or are otherwise permitted by law. Your access to the content provided by the API may be restricted, limited, or filtered in accordance with applicable laws, regulations, and policies.
b. Submission of Content
Some of our APIs may allow the submission of content. GTBank does not acquire the ownership of any intellectual property rights in the content that you submit to our APIs through your API Client, except as expressly provided in this Terms. For the sole purpose of enabling GTBank to provide, secure, and improve the APIs (and the related service(s)) and only in accordance with the applicable GTBank privacy policies, you give GTBank a perpetual, irrevocable, worldwide, sublicensable, royalty-free, and non-exclusive license to Use contents submitted, posted, or displayed to or from the APIs through your API Client. "Use" means use, host, store, modify, communicate, and publish. Before you submit content to our APIs through your API Client, you will ensure that you have the necessary rights (including the necessary rights from your end users) to grant us the requisite license.
c. Retrieval of content
When a user's non-public content is obtained through the APIs, you shall not expose that content to other users or to third parties without explicit opt-in consent from that user.
d. Data Portability
GTBank supports data portability. For as long as you use or store any user data that you obtained through the APIs, you agree to enable your users to export their equivalent data to other services or applications of their choice in a way that's substantially as fast and easy as exporting such data from GTBank products and services, subject to applicable laws, and you agree that you will not make that data available to third parties who do not also abide by this obligation.
e. Prohibitions on Content
Unless expressly permitted by the content owner, you shall not, and will not permit your end users or others acting on your behalf, to do the following with content returned from the APIs:
Scrape, build databases, or otherwise create permanent copies of such content, or keep cached copies longer than permitted by the cache header;
Copy, translate, modify, create a derivative work of, sell, lease, lend, convey, distribute, publicly display, or sublicense to any third party;
Misrepresent the source or ownership; or
Remove, obscure, or alter any copyright, trademark, or other proprietary rights notices; or falsify or delete any author attributions, legal notices, or other labels of the origin or source of material.
Section 7: Brand Features; Attribution
a. Brand Features
"Brand Features" is defined as the trade names, trademarks, service marks, logos, domain names, and other distinctive brand features of each party. Except where expressly stated, this Terms do not grant either party any right, title, or interest in or to the other party's Brand Features. All use by you of GTBank's Brand Features (including any goodwill associated therewith) shall inure to the benefit of GTBank.
You agree to display any attribution(s) required by GTBank as described in the documentation for the API. GTBank hereby grants to you a non-transferable, non-sub-licensable, non-exclusive license while this Terms are in effect to display GTBank's Brand Features for the purpose of promoting or advertising when you use the APIs. You must only use the GTBank Brand Features in accordance with this Terms and for the purpose of fulfilling your obligations under this Section. In using GTBank's Brand Features, you must follow the GTBank Brand Features Use Guidelines. You understand and agree that GTBank has the sole discretion to determine whether your attribution(s) and use of GTBank's Brand Features are in accordance with the above requirements and guidelines.
You shall not make any statement regarding your use of an API which suggests partnership with, sponsorship by, or endorsement by GTBank without GTBank's prior written approval.
d. Promotional and Marketing Use
In the course of promoting, marketing, or demonstrating the APIs you are using, GTBank may produce and distribute incidental depictions, including screenshots, video, or other content from your API Client, and may use your company or product name. You therefore grant us all necessary rights for the above purposes.
Section 8: Storage of Data
a. Caching of Data
Where Data is cached, you should refresh the cache at least every 24 hours.
b. Secure Storage Measures
All Data should be stored and served using strong encryption.
c. Delete at Customers Request
You must delete all Data you have collected from a GTBank customer upon request by that customer, and when the GTBank customer deauthorizes your Application or closes his or her account with you. Similarly, when a team stops using your Application, you should delete all Data obtained from that team.
d. Deletion at Termination
If we terminate your use of the APIs for any reason, then you must permanently delete all Data and any other information that you stored pursuant to your use of the APIs, except when doing so would cause you to violate any law or obligation imposed by a governmental authority.
e. No Other Storing
You shall not copy or store any Data or capture or store any information expressed by the Data (such as hashed or transferred data), except to the extent permitted by this Terms.
Section 9: Privacy and Copyright Protection
a. GTBank Privacy Policies
By using our APIs, GTBank may use submitted information in accordance with our privacy policies.
Section 10: Security Measures
The network, operating system and software of your web servers, databases, and computer systems (collectively, “your Systems”) must be properly configured to securely operate your Application and store Data. Your Application must use reasonable security measures to protect your users’ information. You must not architect or select Your Systems in a manner to avoid the foregoing obligation.
You must promptly report any security deficiencies in, or intrusions to, your Systems to GTBank in writing via email to email@example.com or subsequent contact information posted on the Developer Portal. This includes any unauthorized access, use, disclosure or destruction of Data. You shall work with GTBank to immediately correct any security deficiency, and shall immediately disconnect any intrusions or intruder. In the event of any security deficiency or intrusion involving the Application, GTBank APIs or Data, you will make no public statements regarding such deficiencies or intrusions (e.g., press, blogs, social media, bulletin boards, etc.) without prior written and express permission from GTBank in each instance.
Section 10: Termination
You may stop using our APIs at any time with or without notice. However, if you want to terminate this Terms, you must provide GTBank with prior written notice and upon termination, cease your use of the applicable APIs. GTBank reserves the right to terminate the Terms with you or discontinue the APIs or any portion or feature or your access thereto for any reason and at any time without liability or other obligation to you.
b. Your Obligations Post-Termination
Upon the termination of this Terms or discontinuation of your access to an API, you will immediately stop using the API, cease all use of the GTBank Brand Features, and delete any cached or stored content that was permitted by the cache header under Section 5. GTBank may independently communicate with any account owner whose account(s) are associated with your API Client and developer credentials to provide notice of the termination of your right to use an API.
c. Surviving Provisions
When the Terms come to an end, those terms that by their nature are intended to continue indefinitely will continue to apply, including but not limited to: Sections 4b, 5, 8, 9, and 10.
Section 11: Liability for our APIs
EXCEPT AS EXPRESSLY SET OUT IN THIS TERMS, GTBANK DOES NOT MAKE ANY SPECIFIC PROMISES ABOUT THE APIS. FOR EXAMPLE, WE DON'T MAKE ANY COMMITMENTS ABOUT THE CONTENT ACCESSED THROUGH THE APIS, THE SPECIFIC FUNCTIONS OF THE APIS, OR THEIR RELIABILITY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE PROVIDE THE APIS "AS IS".
SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. EXCEPT AS EXPRESSLY PROVIDED FOR IN THIS TERMS, TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES, GUARANTEES, CONDITIONS, REPRESENTATIONS, AND UNDERTAKINGS.
b. LIMITATION OF LIABILITY
EXCEPT PERMITTED BY LAW, GTBANK WILL NOT BE RESPONSIBLE FOR LOST PROFITS, REVENUES, OR DATA; FINANCIAL LOSSES; OR INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES.
TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF GTBANK FOR ANY CLAIM UNDER THIS TERMS, INCLUDING FOR ANY IMPLIED WARRANTIES, IS LIMITED TO THE AMOUNT YOU PAID US TO USE THE APPLICABLE APIS (OR, IF WE CHOOSE, TO SUPPLYING YOU THE APIS AGAIN) DURING THE SIX MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY.
IN ALL CASES, GTBANK WILL NOT BE LIABLE FOR ANY EXPENSE, LOSS, OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE.
Unless prohibited by applicable law, if you are a business, you shall defend and indemnify GTBank, and its affiliates, directors, officers, employees, and users, against all liabilities, damages, losses, costs, fees (including legal fees), and expenses relating to any allegation or third-party legal proceeding to the extent arising from:
your misuse or your end user's misuse of the APIs;
your violation or your end user's violation of this Terms; or
any content or data routed into or used with the APIs by you, those acting on your behalf, or your end users.
Section 12: General Provisions
We may modify this Terms or any portion to, for example, reflect changes to the law or changes to our APIs. You should look at this Terms regularly. We'll post notice of modifications to this Terms within the documentation of each applicable API, to this website, and/or in the GTBank developers portal. Changes will not apply retroactively and will become effective no sooner than 30 days after they are posted. However, changes addressing new functions for an API or changes made for legal reasons will be effective immediately. If you do not agree to the modified Terms for an API, you should discontinue your use of that API. Your continued use of the API shall constitutes your acceptance of the modified Terms.
Section 13: Dispute Resolution
Any dispute arising out of or in connection with this Agreement, including any question regarding its existence, validity or termination, may be referred to and finally resolved by arbitration in according with the Arbitration and Conciliation Act, Cap. A18, Laws of the Federation of Nigeria, 2004. The number of arbitrators shall be one (1) to be agreed upon by the Parties or in default of agreement to be nominated by Chairman of the Chartered Institute of Arbitrators, United Kingdom, Nigerian Chapter. The seat, or legal place, of arbitration shall be Lagos. The language to be used in the arbitral proceedings shall be English.
Notwithstanding the above, the Parties may resort to litigation in the Nigerian courts for the resolution of any dispute arising under or in connection with this Agreement.
In the event a dispute occurs with respect to the usage of GTBank’s API, GTBank shall have the right to terminate the use your and access to its API.