Terms of Use

First Currency Terms of use

First Currency wishes to draw users’ attention to the following terms and conditions of use of this website. In consideration for accessing this website, the user agrees to be bound by the terms and conditions contained herein.

Access to the site

Users of this site acknowledge that they have the requisite skills and equipment to access and use the site.

Users of this website agree to use the site for lawful purposes only. It is a criminal offence to hack, distort damage, delete or modify any content or communication on the website, or to hinder or distort the functioning of the site, or illegally introduce data to, or modify the data on the website.

Access to the First Currency website is free of charge. However, all incidental costs arising from third party services to enable access to the website, such as internet access charges, telephone and related telecommunication service charges shall be borne by the user, in accordance with the applicable terms of the relevant service provider.

Intellectual Property

First Currency has title and/or rights to all the items that make up the site, particularly the data, designs, graphics, photos and audio tape. It is prohibited to reproduce, represent, commercially distribute or otherwise exploit any of the contents of the site by any means whatsoever, whether in whole or in part, without the prior express authority of First Currency. Such action constitutes an infringement of First Currency’s rights for which offenders may be prosecuted.

The trademarks of the publisher of this website and of its partners, and the logos that appear on this site are registered trademarks. Any reproduction, whether in whole or in part, of the said trademarks and logos, without the prior authority of First Currency or any assignee thereof, is prohibited by law.

Contents of the site

First Currency, its subsidiaries, affiliates, agents, employees and directors expressly disclaim all warranties, express and implied, as to merchant ability and fitness for a particular purpose for all products or services offered on the First Currency website. First Currency also does not warrant that the website or any website linked to or from it will be free of interruption, delay, error, or omission.

First Currency shall not be held liable for any decision taken on the basis of information provided on the First Currency website, nor for the use that may be made thereof by third parties. Any person who wishes to use the services and/or the products presented on this site should consult the contractual terms and conditions applicable to the said products and/or services, and the fees/tariff which are available at local branches of First Currency.

Access to the products and services presented on this site may be subject to restrictions for certain persons or in certain countries. No product and/or service shall be provided by First Currency to any person if such product and/or service contravene the law in his country of residence, or in any other country with which he is connected. However, it shall be incumbent on the interested party to check in advance that his legal or tax status enables him to subscribe to products and/or services presented on the site, by consulting his personal advisers.

Exclusion of Liability for Technical Equipment

First Currency shall not be in default of any obligation if performance is hindered by events beyond its control including without limitation, internet failure, computer equipment failure or telecommunications failure. First Currency shall also not be liable for any damage that may result to the user’s technical equipment, particularly computers, software, network equipment or any other equipment used to access or use the service and/or the information.


For the purpose of web banking, a User may be required to register himself on the www.firstcurrency.net website. At the point of registration, he/she will be required to provide accurate and complete information on his/her data, and up-date such information as and when necessary. Upon registration, the User will be given a unique user ID and pin code. The user should only reveal his user ID and pine code when accessing the www.firstcurrency.net website or android app.

Do not write down or record your password in a diary, note pad, or other document which may be accessed by a third party. Please exercise maximum caution in keeping your user account number and pin code confidential. Log-off from the site or app when your session is over to prevent unauthorized access to your information.

First Currency will NOT request you to provide sensitive information on your account details to any other website link. Customers must not on any account act on such instruction or visit any such website. If your user name or password is subject to unauthorized access, you should immediately inform the First Currency subsidiary in your country of domicile.

All customers are advised to secure their Internet banking passwords with utmost confidentiality as First Currency will not be liable for any loss arising from third party access to such information.

First Currency requests the user to carefully read the address of the Website which is: www.firstcurrency.net.

Exclusion of Minors

The products offered on the First Currency website are not intended for use by minors.


The First Currency website contains hyperlinks to sites that are not managed or controlled by
First Currency. Hyperlinks to other websites are accessed solely at the customer’s risk. In consequence, First Currency expressly disclaims all liability for the contents and accuracy of these sites, whether for breach of contract, negligence, tort, or any other cause of action arising from the use of such websites.

Hyperlinks may not be set up to the First Currency website without the prior authorization of the publisher.


Users are advised that when visits are made to this site, a cookie may be installed automatically and retained temporarily in the memory of the user’s machine or on his hard disk. Cookies do not make it possible to identify users, but rather, they record information about the user’s use of the website. By visiting the website “www.firstcurrency.net”, users confirm that they consent to, and authorize First
Currency to install cookies on their computers.

Users may however deactivate the cookies using the settings in their navigation software.

Personal Details

Users agree that their personal details may be shared with other First Currency subsidiaries, affiliates or member companies from time to time forming part of the Cluster Holdings Group for market research and statistical analysis.

Users shall have the right to access their personal information on the website for the purpose
of modifying or deleting such information when they so desire. Please do not hesitate to contact us at the following address to grant you access to your personal details: www.firstcurrency.net

Exclusion of Liability

The User specifically acknowledges that neither First Currency nor its officers, directors, subsidiaries, affiliates is liable for any incidental, indirect, consequential or special loss or damage whatsoever, including but not limited to loss of revenue, business, data, arising from or in any way connected with the performance or use of the site. If dissatisfied with the website or any of its contents, or with this access agreement in whole or in part, your sole and exclusive remedy is to discontinue using the website.

Law and Jurisdiction

The content and services offered on this website shall be subject to the terms of this agreement as well as the internal policies and procedures of First Currency.

This Agreement shall be governed by the law of the Republic of Togo, and the User submits to
the jurisdiction of the Cameroonian courts.

Products and services offered on the site shall be governed by the law of the country indicated
in the relevant documentation for the product or service.