1. General Terms and Conditions
By using this Platform, you confirm that you have read and understood its Terms and ConditionsThe platform terms and conditions apply and are binding to the end userThese Terms and Conditions may change.2. Privacy and Security
By using this platform and its Service you unequivocally and voluntarily give consent to the Development Bank of Rwanda (BRD) to collect, process (including profiling), transfer and share with third parties your personal data at any time for the purpose of providing, improving or upgrading the Service or the platform upon which the Service is hosted. Your personal data might also be shared for the purpose of analysing or assessing your eligibility into the affordable housing scheme to Rwanda Housing Authority (RHA). Personal information collected will not be kept longer than is needed to provide you with the Service.Your personal information and data will only be used for the purposes of, and in accordance with, the consent you have provided.Providing inaccurate or false information when using this Service shall result in program ineligibility and/or criminal penalties.Cookies are pieces of information generated by a web server and stored in the user’s computer, ready for future access. Cookies make use of user-specific information transmitted by the web server onto the user’s computer so that the information might be available for later access by itself or other servers. The portal will not install authentication cookies or similar cookies on an End-User device which could identify the End-User’s financial details without the End-User’s express written permission. By using this service, you hereby give written consent to BRD to collect and install cookies were necessary.3. Right to share personal information
BRD will receive, transfer, and share your personal information with third parties including but not limited to RHA, the agency in charge of housing for the only purpose of application for the affordable housing scheme. For purpose of the services provided by Giriwawe platform, your personal data may also be shared abroad. 4. Termination, Suspension and Limitation
Notwithstanding this undertaking, you acknowledge and accept that we are entitled to modify, suspend or discontinue the Service at any time and that we will not be responsible for any damage or loss that you may suffer if we choose to do so. We may also choose to restrict access to certain or all of the functionality or services offered by us.This platform shall be terminated, suspended, and limited as per BRD own discretion. The functionality or service offered might temporarily or permanently be changed. A notice of information shall be shared on the platform. BRD will not be responsible for any damage or loss occurred to your personal data. 5. No Warranties or Representations
The Service is provided on an “as is” and “as available” basis. BRD does not warrant or represent that the Service will be error-free, or that the content provided on or via the Service is or will be accurate, suitable, complete, or fit for or compatible with any particular purpose.6. Disclaimer and Limitation of Liability
Except for any statutory liability that BRD may have towards you, and which cannot be disclaimed or altered by agreement between you and the Bank, neither we, nor our affiliates, employees, officers, providers, or agents will be responsible or liable in any way for any damage or loss of whatsoever nature arising from the Service, your use of or reliance on the Service, or on any information provided on or via the Service. You acknowledge and understand that use of this Service is entirely at your own risk.BRD is not responsible for any delays that arises from using any links to backend systems that are managed by other Government of Rwanda departments and agencies that are not under the control of BRD.7. Capacity to enter into Agreements
By using the Service, you certify (promise in a way that you can be held legally bound by that promise) that you have the legal capacity to enter into and be bound by contractual terms. You must be at least 18 years old in order to make use of the Service.If you are unsure whether you have the legal capacity to enter into contracts, you must contact the bank (by which mean), and BRD shall be able to provide you with this information before you continue using the Service.8. Breach / Failure to Comply with these Terms and Conditions
If you are in breach of these Terms and Conditions, or if you use the Service in an unauthorised manner or interact with the Service in any unlawful or unauthorised manner, BRD will be entitled to terminate your access to the Service immediately without prior notice, and without prejudice to any other rights we may have in terms of these Terms and Conditions or at law.Should your access to the Service be terminated as described above, you expressly acknowledge that any obligations that exist between you and the bank at the time of such termination, as set out in a loan agreement or these terms and conditions of use, will continue to remain in place until such outstanding obligations have been met.9. Governing Law
These Terms and Conditions are governed by and will be interpreted in accordance with the laws of the Republic of Rwanda without reference to any conflict of law provisions. All interactions and transactions made or conducted on this Service (including on or in relation to any loan provided) will be subject to the laws of the Republic of Rwanda.Any dispute relating to or arising out of these terms and any non-contractual obligations arising out of or in connection with them, shall be subject to the exclusive jurisdiction of the Rwanda Courts after a failure to resolve the dispute amicably through a grievance redress mechanism in accordance with BRD’s grievance redress mechanism.Any mediation held with regard to these Terms and Conditions will be conducted behind closed doors where we and you will be required to treat all details of the dispute submitted to mediation, the conduct of the mediation proceedings and the outcome of the mediation as confidential.