GENERAL TERMS AND CONDITIONS
These Terms and Conditions govern participation in the W Health Month free health screening (the “Initiative”) organized by Access Bank Plc (“Access Bank” or the “Bank”).
By participating in the Initiative, participants agree to be bound by these Terms and Conditions as well as any specific terms published in relation to the Initiative.
1. Eligibility
1.1 Participation in the Free Health Screening Initiative is open to persons who have a W debit card.
1.2 Eligible participants interested in health financing support must meet the product eligibility criteria / Risk acceptance criteria specified in the product paper
1.3 Participants are required to provide valid and accurate information as part of the free screening or loan application process.
1.4 Access Bank reserves the right to verify the eligibility of any participant and request supporting documentation where necessary.
1.4 Participants who fail to satisfy the applicable eligibility requirements may be disqualified at any time.
2. Registration and Participation
2.1 Participation in the Initiative may require registration, application, nomination, purchase, attendance, engagement, or any other participation mechanism specified by Access Bank.
2.2 Where registration is required, participants must provide complete, accurate, and current information.
2.3 Access Bank reserves the right to refuse, suspend, cancel, or revoke participation where inaccurate, false, misleading, or incomplete information has been provided.
2.4 Participation in the Initiative does not create any entitlement to receive any benefit, prize, reward, discount, offer, or recognition except as expressly communicated by Access Bank.
3. Initiative Administration
3.1 Access Bank reserves the right to determine the format, timing, duration, rules, structure, venue, platform, and administration of the Initiative. www.accessbankplc.com
3.2 The Initiative may be conducted physically, virtually, digitally, or through a combination of channels.
3.3 Access Bank may appoint third-party service providers, partners, vendors, or facilitators to assist with the administration of the Initiative.
3.4 Access Bank’s decisions regarding participation, eligibility, selection, administration, and related matters shall be final, subject to applicable law.
4. Rewards, Benefits, Prizes and Recognition
4.1 Any rewards, prizes, benefits, discounts, incentives, gifts, certificates, or recognition offered under the Initiative shall be subject to the terms communicated by Access Bank.
4.2 Such rewards, prizes, benefits, or recognition are non-transferable and may not be exchanged for cash unless expressly stated otherwise.
4.3 Access Bank reserves the right to substitute any advertised reward, prize, benefit, or gift with an alternative of similar value where reasonably necessary.
4.4 Access Bank reserves the right to withhold, withdraw, or cancel any reward, benefit, prize, or recognition where a participant is found to have breached these Terms and
Conditions.
5. Participant Conduct
5.1 Participants shall conduct themselves in a lawful, respectful, and responsible manner throughout the Initiative.
5.2 Participants must not engage in fraudulent, misleading, abusive, discriminatory, disruptive, unlawful, or unethical conduct.
5.3 Access Bank reserves the right to suspend, remove, or disqualify any participant whose conduct is considered inappropriate or contrary to these Terms and Conditions.
6. Photography, Video, Testimonials and Publicity
6.1 Access Bank and its authorised representatives may photograph, film, record, interview, or otherwise document activities relating to the Initiative.
6.2 Subject to applicable laws and required consents, participants grant Access Bank the right to use their name, image, voice, likeness, testimonials, submissions, recordings,
photographs, and videos for promotional, educational, publicity, reporting, and communication purposes without additional compensation.
6.3 Where legally required, Access Bank shall obtain the necessary consent before using any participant’s personal information, image, or likeness.
7. Data Protection and Privacy
7.1 Any personal data collected in connection with the Initiative shall be processed for purposes relating to registration, verification, participation, communication, administration, prize fulfilment, reporting, compliance, and other legitimate purposes connected to the Initiative.
7.2 Access Bank shall process personal data in accordance with applicable data protection laws, regulations, and the Bank’s Privacy Policy.
7.3 Participants acknowledge that personal information may be shared with authorised service providers, partners, regulators, or other parties where necessary for the administration of the Initiative or compliance with legal and regulatory obligations.
8. Intellectual Property
8.1 All trademarks, logos, branding, content, training materials, publications, graphics, videos, presentations, and other materials relating to the Initiative remain the property of Access Bank or the applicable rights holder.
8.2 Participants shall not reproduce, modify, distribute, publish, exploit, or commercially use such materials without Access Bank’s prior written consent.
8.3 Any materials submitted by participants remain subject to any campaign-specific intellectual property provisions communicated by Access Bank.
9. Third-Party Platforms and Partners
9.1 The Initiative may be delivered through third-party platforms, service providers, sponsors, partners, social media platforms, or other channels.
9.2 Access Bank shall not be responsible for the availability, operation, performance, or security of third-party platforms beyond its reasonable control.
9.3 Participants may be required to comply with the terms and conditions of third-party platforms used in connection with the Initiative.
10. Modification, Suspension or Cancellation
10.1 Access Bank reserves the right to modify, extend, suspend, postpone, terminate, withdraw, or cancel the Initiative or any part thereof at any time where reasonably necessary.
10.2 Access Bank may amend these Terms and Conditions from time to time.
10.3 Any updated Terms and Conditions shall become effective upon publication through any channel determined appropriate by Access Bank.
11. Disclaimer and Limitation of Liability
11.1 Participation in the Initiative is voluntary and at the participant’s own risk. The Participant is deemed to have voluntarily sought and obtained the opinion of legal counsel before participating in the initiative.
11.2 To the fullest extent permitted by applicable law, Access Bank shall not be liable for any indirect, incidental, consequential, special, or punitive loss, damage, cost, expense, or claim arising from or related to participation in the Initiative.
11.3 Access Bank shall not be liable for any technical malfunction, network interruption, system failure, delay, unauthorized access, or circumstance beyond its reasonable control affecting participation in the Initiative.
11.4 Access Bank shall not be liable for any delay, disruption, suspension, modification, or failure in the performance of the Initiative arising from events beyond its reasonable control, including acts of God, natural disasters, pandemics, strikes, civil disturbances, government actions, power outages, cyber incidents, telecommunications failures, or other force majeure events.
12. Disqualification
12.1 Access Bank reserves the right to disqualify any participant who:
a. Breaches these Terms and Conditions;
b. Provides false or misleading information / documents;
c. Engages in fraud, misconduct, abuse, or unethical behaviour;
d. Seeks to circumvent, manipulate or undermine the proper administration of the Initiative.
12.2 Access Bank reserves the right to investigate suspected fraud, abuse, manipulation, or irregularities and may take such action as it deems appropriate, including disqualification, suspension, cancellation of benefits, and referral to relevant authorities.
12.3 Access Bank reserves the right to refuse participation, withhold any reward, benefit, or prize, or terminate participation where required to comply with applicable laws,
regulations, sanctions requirements, anti-money laundering obligations, fraud prevention measures, or regulatory directives.
13. Governing Law
13.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
13.2 Any dispute arising out of or in connection with the Initiative shall be subject to the exclusive jurisdiction of the courts of Nigeria.
14. General
14.1 Participants shall be responsible for any taxes, levies, duties, or governmental charges arising from the receipt or use of any reward, prize, benefit, or incentive, except
where applicable law provides otherwise.
14.2 Participants agree to indemnify and hold harmless Access Bank, its employees, agents, affiliates, and representatives against claims, losses, liabilities, costs, or expenses arising from the participant’s breach of these Terms and Conditions or unlawful conduct in connection with the Initiative.
14.3 Access Bank reserves the right to interpret and apply these Terms and Conditions.
14.4 Failure by Access Bank to exercise any right under these Terms and Conditions shall not constitute a waiver of that right.
14.5 If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
14.6 These Terms and Conditions shall be read together with any specific rules, guidelines, eligibility requirements, or campaign-specific terms communicated by Access Bank in connection with the Initiative. In the event of any inconsistency, the campaign-specific terms shall prevail to the extent of the inconsistency.
14.7 For enquiries relating to the Initiative, participants may contact: wcares@accessbankplc.com