Opening Hours: Mon -Fri, 8am - 5pm

Terms Of Service

Baines Credit Microfinance Bank’s Terms of Service

We at Baines Credit Microfinance Bank created this website to provide you with information about our products and services, as well as information about our company.
We urge you to read these Terms & Conditions carefully before accessing or using this website.
Please revisit these terms on a regular basis to ensure that nothing has changed, as we have the right to alter, modify, add, or remove portions of these Terms and Conditions.
Please contact us via email: [email protected] if you have any issues regarding our Terms & Conditions.


You agree to these Terms and Conditions by accessing or using the Website. You agree that these Terms and Conditions constitute a legally binding agreement between you and Baines Credit MFB regarding your access to and use of our website, as well as all services related, or otherwise connected to your use of the Website (whether personally or on behalf of any entity you represent).
When you apply for a Baines Credit MFB loan, we will open a Baines Credit MFB account (Baines Credit NUBAN Account) for you as part of the application process. You hereby approve the creation of the Baines Credit NUBAN Account, and you agree not to bring any legal action against it.


By accessing this website, you agree that you are aged 18 and above, and you are permitted to use our products and services as permitted by the law in your territory or jurisdiction. As Baines Credit will not be liable for any use of this website by a minor.


We designed this website for the benefit of our online users. Please evaluate the material presented on Baines Credit MFB’s Website, as well as any opinions stated therein based on your discretion. Baines Credit MFB does not endorse or oppose any user opinion or content given by a user, contributor, or other third parties.

By accessing this website, you agree that your use of it is at your own risk and that neither Baines Credit MFB nor any of its subsidiary, or partners, or their respective managements, employees, sales agents, licensors, or content, data, information, or services warrants that Baines Credit MFB’s Website or any internet site linked to or from this Website will be uninterrupted or error-free, or that Baines Credit MFB’s Website or any internet site linked to or from this Website will, including the interactive areas, or the server that makes it available are free of viruses or other harmful components, and none of them makes any warranty as to the results that may be obtained from using Baines Credit MFB’s Website or any internet site linked to or from Baines Credit MFB’s Website, or as to the timeliness, sequence, accuracy, authority, completeness, usefulness, non-infringement, reliability, availability, or substance of any content, information, service, or transaction.

The Website of Baines Credit MFB is given “as is,” “as available,” with no express or implied warranties of any kind, including, without limitation, warranties of merchantability and fitness for a particular purpose.


The information on this website is intended purely for the personal use of website users. You are permitted to read and copy the information on this Website for personal use only, providing that such copies contain any trademark notices that may exist on the duplicated pages.


Baines Credit MFB owns the copyrights to the pages and screens that display the pages, as well as the information and material contained therein, and they may not be distributed, modified, or reproduced in whole or in part without Baines Credit MFB’s prior written permission.

The presence of trademarks on this site does not imply that any form of licensing has been obtained. Any downloading, re-transmission, or other copying or modification of the trademarks and/or the contents herein may be illegal and subject the copier to legal action.

Unless otherwise stated, the trademarks and logos (collectively the “Trademarks”) displayed on this site are registered and unregistered trademarks of Baines Credit MFB and its subsidiaries and affiliates, unless otherwise stated.


  •  You represent and warrant that all registration information you give is
    true, accurate, current, and complete by utilizing the website.
  •  You will preserve the accuracy of such information and, if necessary,
    quickly update such registration information.
  •  You have the legal capacity to enter into these Terms and Conditions,
    and you agree to abide by them.
  • In the jurisdiction where you live, you are not a minor.
  •  You will not use a bot, script, or any other automated or non-human
    method to access the website.
  •  You agree that you will not use the website for any illegal or
    unauthorized purposes.
  •  You will not break any laws or regulations by using the Website

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By visiting our website, you consent to the placement of cookies and beacons in your browser and HTML-based emails in accordance with this Privacy Policy