DEFINITIONS
1. | Bank is PT Bank CIMB Niaga, Tbk, domiciled in South Jakarta, covering the head office and branch offices, as well as other offices that form integral parts of PT Bank CIMB Niaga, Tbk. | ||||||||
2. | Debit Card is a Payment Tool by Means of a Card that can be used for payment of obligations that arise from economic activities, including withdrawals of cash and/or transfers of funds and/or shopping transactions and/or other transactions, where the obligation of the User is instantly fulfilled by directly reducing their Saving in the Bank. | ||||||||
3. | Credit Card is a Payment Tool by Means of a Card that can be used for payment of obligations that arise from economic activities, including but not limited to shopping transactions and/or withdrawals of cash, where the payment obligation of the card holder is fulfilled in advance by the issuer, and the card holder shall be obligated to make payments at the agreed times all at once or in installments. | ||||||||
4. | Login is the authorization process of a User to enter the Mobile Banking menu. | ||||||||
5. | Mobile Banking is one of electronic banking services provided by the Bank to be used through a cellular phone (“Mobile Phone ”), as described further in the Mobile Banking Media section. | ||||||||
6. | User is an individual who has registered to use the Mobile Banking in accordance with the registration mechanism determined by the Bank and has been approved to use the Mobile Banking System and the Mobile Phone number of the User has been registered in the Mobile Banking System. | ||||||||
7. | Payment of Bills is a transaction for transfer of fund from the Account and/or a transaction of charging on Credit Card for payment of certain bills available in the Mobile Banking menu, using the Mobile Banking. | ||||||||
8 | Purchase of Airtime Top Up/Voucher/Internet Data Package is a transaction for transfer of fund from an Account and/or a transaction of charging on Credit Card to purchase airtime top up/voucher as available in the Mobile Banking menu, using the Mobile Banking. | ||||||||
9. | Passcode is 4 unique numbers sent by the Bank to the registered Mobile Phone number in the Mobile Banking system and to be used as an authentication code to Login to the Mobile Banking. Passcode is confidential in nature and may not be given to anyone whosoever. | ||||||||
10. | Mobile Banking Personal Identification Number (“Go Mobile PIN”) is a personal identification code that is used to authorize a financial transaction. PIN is confidential in nature and may not be given to anyone whosoever. | ||||||||
11. | User ID of Mobile Banking is a personal identification key that is used to Login to the Mobile Banking. User ID is confidential in nature and may not be given to anyone whosoever. | ||||||||
12. | Account is all accounts of the User in the Bank in one Customer Information File (CIF), which have been prior to and/or will be opened later in the Mobile Banking System. | ||||||||
13. | Mobile Banking System is a system used by the Bank to support the running of all activities related to the Mobile Banking. | ||||||||
14. | Terms and Conditions of CIMB Niaga Mobile Banking are all terms and conditions prescribed by the Bank related to the use of the Mobile Banking including but not limited to these Terms and Conditions of CIMB Niaga Mobile Banking as well as the terms and conditions specified in the user guide or other media that contain the instructions/provisions on the use of the Mobile Banking. | ||||||||
15. | Transaction is any kind of access and/or transaction that is currently or in the future will be determined by the Bank to be made using Mobile Banking, including but not limited to the followings:
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16 | Transfer is a transaction for transfer of fund from one Account to another account belonging to the User or to the other account in other bank for realization of a certain purpose as enabled in the Mobile Banking, including but not limited to the payment of bills, purchase of airtime top up, electricity, internet data package, etcetera. | ||||||||
17 | Main Device is 1 (one) Mobile Phone of the User that is registered as the gadget/device to access Go Mobile. | ||||||||
18 | Fingerprint Reader (Touch ID) is a feature in the Mobile Phone with certain type and specifications that may be used as the User’s authentication medium using fingerprints. The Touch ID is integrated into the Mobile Banking as one of login authorization media into the Mobile Banking System. | ||||||||
19 | QR Transaction is a Mobile Banking feature that enables User to transact using QR code. QR Transaction is valid for Rupiah denomination and those QR Code that are issued by Bank or non-Bank in Indonesia with license from Bank Indonesia. Using QR, User could not cancel the Transaction before the settlement process (VOID).
For QR Transaction, User may choose to use Saving or Current or Rekening Ponsel and/or Credit Card as the source of fund and it may be conducted by:
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20 | Merchant is a third party partnered directly or indirectly with the Bank which is a physical shop entity (with the EDC machine or the QR sticker) or an online shopping website or any other entity with capability to generate QR Code that can be read using the Mobile Banking System. | ||||||||
21 | Price is the value or amount set by the Merchant, including the Merchant Discount Rate (MDR) as regulated by Bank Indonesia. Source of funds will be debited real time after the Bank’s system has succesfully validated the merchant’s data; A Transaction notification will be sent by the Bank to the User as any financial Transaction in the Go Mobile. | ||||||||
22 | QR (Quick Response) Code is a two-dimension (matrix) barcode that stores required information of the Transaction. To process the payment, User need to scan the QR Code through the Mobile Banking System. There are 3 types of QR Code, i.e. Dynamic QR Code, Static QR Code, and Receive Money QR Code. The Dynamic QR Code and Static QR Code shall follow the standard by the Asosiasi Sistem Pembayaran Indonesia upon approval of Bank Indonesia. | ||||||||
23 | Dynamic QR Code is a unique QR Code which will contain Price and destination account information from the Merchant. The Dynamic QR Code can be obtained from the Merchant through the EDC machine or an online shopping website. A Dynamic QR Code can only be used once. | ||||||||
24 | Static QR Code is a non-unique QR Code and fixed for each Merchant. The Static QR Code can be obtained from the Merchant in form of a picture on sticker, banner, or any other media. There is no Price information in the Static QR Code, hence the Transaction amount shall be inputted and confirmed by the User during the Transaction. | ||||||||
25 | Receive Money QR Code is a Dynamic QR Code that may be created by the User through the Mobile Banking System. The User shall select the Transaction’s destination account, transaction amount and description to generate the QR Code. Other Users who intend to pay shall scan the QR Code and confirm the Transaction through the Mobile Banking System. A QR Code may be used more than once as long as its still active (2 hours). | ||||||||
26 | Payment QR Code is a Dynamic QR Code, Static QR Code or Receive Money QR Code that may be used to conduct Transactions through the Mobile Banking System. | ||||||||
27 | Savings Account is deposit that may only be withdrawn according to agreed certain conditions but can not be withdrawn by check, giro biljet or others which are equivalent. | ||||||||
28 | Time Deposit is deposit that can be withdrawn only at a specified time based on an agreement between Bank and the User. | ||||||||
29 | Current Account is deposit which may be withdrawn at any time by check, giro biljet, other instruction media to the Bank. | ||||||||
30 | Account Opening is written request from User to open Account agreed based on an agreement set by the Bank. | ||||||||
31 | Quick Access is a Mobile Banking feature that enables User to check their Account balance and perform selective Transactions without Login. User may check their selected Account balance, Transfer to their favorite account, Payment using QR and generate Rekening Ponsel coupon. The default of this feature is off, hence to be able to use this feature, User need to turn on the Quick Access from setting menu. |
MOBILE BANKING MEDIA
1. | Using Short Message Service (SMS) Menu, i.e. SMS that contains the Transaction menu that may be selected by the User, SMS will be sent as per the desired Transaction, by containing the suitable Transaction code (keyword and syntax), where the Short Message Service (SMS) Menu may be selected by the User by replying to the SMS as per the desired sequential number of the menu. SMS is send to 1418 or another number that will be determined by the Bank, from the User’s Mobile Phone Number that has been registered in the Mobile Banking System. By using SMS Menu, User will be charged with SMS fee in accordance with the telecommunication service provider used by the User. |
2. | Using menus available in the Mobile Banking application, User will need to firstly install in their own Mobile Phone using the cellular provider data connection (hereinafter referred to as the “Mobile Banking Application”). The use of Mobile Banking Application will be charged with SMS fee (for receipt of Passcode, notification, etcetera) and data package in accordance with the telecommunication service provider used by the User. |
3. | Using UMB (USSD Menu Browser), which will display the Mobile Banking menu by dialing the short dial code *141*8#. USSD Menu Browser will be charged with USSD fee in accordance with the telecommunication service provider used by the User. |
REGISTRATION OF MOBILE BANKING
1. | In order to register to Mobile Banking, a User may apply for registration (”Registration”) through any branch that is determined by the Bank or through another medium that provides the feature of Mobile Banking Registration, such as but not limited to the application in the Mobile Phone and other official Registration media that will be determined later by the Bank. | ||||||||||||||||||||||
2. | Before using the Mobile Banking or when doing the Registration, User shall firstly read, understand and agree to all terms and conditions set out by the Bank related to the use of the Mobile Banking, including but not limited to the followings:
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3. | Registration Mechanism:
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4. | If the User:
the Mobile Banking System would ask the User to register the Device. |
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5. | User agrees that by:
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User agrees to all Terms and Conditions of Mobile Banking, so, therefore, the approval given by doing one of those acts referred to above has provided perfect evidencing power for the Bank, like any written evidence or like any approval by providing signature in the Terms and Conditions of Mobile Banking.
User may only register 1 (one) Mobile Phone number in one CIF data for the use of the Mobile Banking. |
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7. | User authorizes the Bank to access the User’s location by means of the GPS (Global Positioning System) installed in the User’s Mobile Phone. | ||||||||||||||||||||||
8. | User of the Mobile Banking may change their Mobile Phone number and/or Go Mobile PIN through a branch of the Bank and/or other banking electronic media provided by the Bank for such purpose and if the Go Mobile PIN is lost or cannot be recalled, the User shall end the use of the Mobile Banking and re-register through a branch of the Bank and/or other Registration media provided by the Bank for such purpose. Or the User may reset their PIN in Branch. |
USE OF TOUCH ID
1. | User may register his/her fingerprints that have been registered in the User’s Mobile Phone which then will be used at the time of login to the Mobile Banking System as a substitute of User ID and Passcode. The Mobile Banking System will use the Touch ID based on the User’s fingerprints registered in the Mobile Phone, either before or after the Mobile Banking service registration. User may keep using the User ID and the Passcode to login to the Mobile Banking System. | ||||
2. | The Touch ID may only be used by the User to login to the Mobile Banking System, if:
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3. | Touch ID is a technology provided in the Mobile Phone and not a technological feature or device provided by the Bank, and therefore the Bank shall neither give guarantee nor have any responsibility whatsoever in connection with but not limited to the quality, performance, or safety of the Touch ID. | ||||
4. | User shall be responsible for the data of all fingerprints registered in the Touch ID Feature in the Mobile Phone used by the User to access the Mobile Banking, the use of all those fingerprints, and the risks that arise in the Mobile Banking service from the use of those fingerprints. | ||||
5. | By registering fingerprints in the Mobile Banking service, the User authorizes the Bank to access and use the data of all fingerprints registered in the Touch ID along with the data/information of the Mobile Phone used by the User for the purposes of registration and use of Touch ID in the Mobile Banking. | ||||
6. | User shall be responsible for the followings to avoid the abuse of the Touch ID in the Mobile Banking:
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7. | User hereby agrees that the Bank shall neither be responsible nor indemnify nor be liable in any form whatsoever to the User for any risks, effects, and consequences that arise from registration, including the existence of other parties’ fingerprints at the time of User’s registration and its use in the Mobile Banking application. |
DOING TRANSACTIONS THROUGH MOBILE BANKING
1. | User may use Mobile Banking to do a Transaction in the manner as governed in the user manual of Mobile Banking or other media that contain the user manual of Mobile Banking prescribed by the Bank. | ||||
2. | Each time of Login into the Mobile Banking application in the Mobile Phone, the Mobile Banking System will ask the User to:
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3. | By Login to the Mobile Banking System, User may check balance of their Account. The Accounts are able to be viewed all or based on User selection. Only the accounts that are visible can be used as source of fund while transaction in the Mobile Banking System. To set, User must visit setting menu – My Account Visibility. | ||||
4. | In each Transaction, the User shall fill in all the required data and make sure that all the required data for the Transaction have been filled in correctly and completely, and if required, then the Mobile Banking System will confirm the data input by the User and ask the User to input 2 out of 6 digits of the Go Mobile PIN that function as the security device and the approval given for the Transaction and the Transaction shall be irrevocable. | ||||
5. | In regard of a successful Transaction (specifically for financial transactions), the User will receive a reference number as the evidence of the Transaction. | ||||
6. | The User agrees and acknowledges that the Login into the Mobile Banking System, the use of the Passcode and/or the use of 2 out of 6 digits of the Go Mobile PIN by any parties whosoever shall constitute a form of instruction and approval by the User to give power from the User to the Bank to do the Transaction through the Mobile Banking and, therefore, the User acknowledges that he/she will not file any claims whatsoever related to the instruction and approval of the Transaction and acknowledges that all evidence in the Bank shall be valid evidence although it is made not in writing/not signed by the User and shall have the same legal force as a written instruction signed by the user User. | ||||
7. | The Mobile Banking System will not process a Transaction if there are sufficient reasons not to carry out the instruction, including but not limited to insufficient balance in the Account and/or insufficient limit in the Credit Card, the Account and/or Credit Card of the User has been closed, the Account and/or Credit Card is on seizure or blocked, the Bank knows or has a reason to assume that an act of fraud or crime has been or will be committed, or due to other reasons. | ||||
8. | The User may distribute the evidence of a Transaction to third parties by means of SMS, e-mail, social media Whatsapp, or other digital media devices as desired by the User. The Bank shall not be responsible for the evidence of a transaction distributed by the User. | ||||
9. | User or Merchant may input additional amount of money as a tips in the QR Transaction as approved by the User. | ||||
10. | The Bank shall not be responsible for any QR code given or used by the Merchant or the User. | ||||
11. | The Bank shall not be responsible for any risks that arise from the use of the Mobile Banking, including but not limited to the risks that arise from omission, incompleteness, inaccuracy or vagueness of the data and/or instruction given in relation to a successful Transaction. | ||||
12. | The Mobile Banking may not be transferred to another party or used by another party besides the User, including but not limited to the family members of the User and employees of the Bank. | ||||
13. | In case there is a difference between the data of Transaction recorded in the record of the Bank and the record of the User, the one to be used as guidance and has binding evidencing power shall be the data of Transaction recorded in the record/System of the Bank. | ||||
14. | Any types of Transaction that are made using the Mobile Banking shall be subject to operational regulations and other related regulations that are applicable in the Bank, including but not limited to the regulations related to the limitation for Financial Transactions with reference to the limits applicable in the Bank and transaction limit setting set by the User in the Mobile Banking System. | ||||
15. | The Bank shall not be responsible for the performance of the products received and/or delivery of products from the Merchant to the User whose Transaction was paid using the QR System in the Mobile Banking System. | ||||
16. | The Bank shall not be responsible for refund process if the payment amount is different with the Price or the products missmatch between the Merchant and the User, or any other disputes of Transaction paid using the QR Code through the Mobile Banking System. The agrement of any disputes of the Transactions conducted in the Mobile Banking System will be the responsibility of the Merchant and the User. | ||||
17. | Refund of a QR Transaction Code conducted can be initiated by the Merchant through the media provided by the Bank, no later than 7 days following the Tansaction. The refund then will be processed by the Bank on real time basis as long as the Merchant’s account funds is sufficient; and the refund amount shall be less than or the same as the initial Transaction amount. | ||||
18 | Settlement of a dispute between the User and the Merchant will be processed within 45 business days after the Bank has received full information about the disputed Transaction. The Transaction data shall be informed to the Bank including the transaction date, 6-digits reference number and the transaction amount. Complaints may be addressed by the Users to the Phone Banking 14041 or the Bank Branch(es); and the Merchant may address complaints through Phone Banking 14042 or the email address specified by the Bank. |
OTHER IMPORTANT INFORMATION
1. | The Mobile Banking shall be used in accordance with the mechanism of use prescribed by the Bank, including but not limited to those set out in these Terms and Conditions of Mobile Banking or in other Materials. | ||||||||||||||||||||||||
2. | User shall comply with the procedures, instructions, guidelines and/or guidance prescribed by the Bank from time to time. | ||||||||||||||||||||||||
3. | The correctness and validity of the data input by the User relating to Transaction instructions shall be full responsibility of the User. | ||||||||||||||||||||||||
4. | User may not transfer the use of the Mobile Banking to any parties whosoever and may not use the Mobile Banking for the purposes other than making Transactions or other things enabled by the Mobile Banking System. | ||||||||||||||||||||||||
5. | User shall not be allowed to manipulate, copy, and/or perform an act that may result in a change in the Mobile Banking System and/or data of the SIM Card registered in the Mobile Banking System. | ||||||||||||||||||||||||
6. | User shall be responsible and obligated to promptly report to the Bank in the following events:
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7. | User shall keep the confidentiality of confidential information of the User, including but not limited to:
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The User shall use and update antivirus/anti malware periodically to protect his/her device and banking transactions from steal of User ID and Go Mobile PIN, or Passcode.
All risks that may arise from the negligence of the User and/or abuse in the Registration or Transaction not due to the negligence/fault of the Bank shall be full responsibility of the User himself/herself. The User hereby holds the Bank harmless from any claims that may arise, whether from other parties or from the User himself/herself, due to the negligence and/or abuse of the Registration or Transaction process such as but not limited to:
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10. | The Mobile Banking System shall be valid for an indefinite period so long as the User still has an Account and/or Credit Card (source of fund) in the Bank, but the Bank shall have the right to terminate and/or suspend the Mobile Banking for updates, maintenance or for other purposes on whatever reasons deemed proper by the Bank, with/without notice to the User in the events as follows:
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11. | User hereby holds the Bank harmless from any claims that may arise from the losses that result from the termination and/or suspension of the Mobile Banking by the Bank as referred to in point 10 above. |
TRANSACTION LIMIT
1. | Each type of Financial Transaction has a transaction limit with reference to the applicable provisions of the limit; |
2. | The Bank shall have the right to determine the limit of a Mobile Banking Transaction that will be prescribed in the Mobile Banking System. The Bank, on its own discretion, shall have the right at any time to change the magnitude of the limit for each Transaction and such change will be promptly applied in the Mobile Banking System and will be notified by the Bank to the User through the information media that are commonly used by the Bank. |
FEES AND ACCOUNT DEBITING AUTHORITY
1. | The Bank shall have the right to charge fees to the User on each Transaction made by the User through the Mobile Banking, including but not limited to the transaction fee, transfer fee, bill payment fee, and other fees. The provisions of fees shall be fully prescribed by the Bank and will be informed to the User. | ||||||||
2. | The Bank shall have the right to determine the amount of the fees that may arise from the making of a Transaction using the Mobile Banking as referred to above. | ||||||||
3. | User hereby gives authority to the Bank to debit the Account of the User in the Bank in the amount of:
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4. | User shall bear the fees for the SMS used with the rate as determined by the Bank and the telecommunication service provider pursuant to the Cooperation Agreement entered into by the Bank and the telecommunication service provider, which among others consist of:
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5. | User shall also bear the fee of the data network and/or Internet used with the rate as determined by the telecommunication service provider. |
PROFILE IMAGE UPDATES
- User may update his/her profile image as he/she desires through the Setting menu in the Application.
- In accordance with the applicable regulations of law, the User is not permitted to use an image with elements that constitute parts of sharp weapons, violence, illegal symbols, illegal drugs, advertisements, or pornographic contents.
- The Bank shall not be responsible for the image used and uploaded by the User.
ACCOUNT OPENING
- By performing an Account Opening, the User agrees to abide by and be bound to all of the terms and conditions stipulated by the Bank with respect to the Account Opening, including but not limited to:
1) The General Terms and Conditions for Opening an Account (“KPUPR”);
2) The Terms and Conditions of Go Mobile;
3) These Supplementary Terms and Conditions;
- User shall fill in all of required information correctly in Account Opening form through Mobile Banking system.
- Online account opening through Mobile Banking System may only be done by Indonesia citizen
- User must have active personal email address to be used as electronic correspondence media during the Account Opening process and afterwards the email can be used to send proof of transaction notification
- By confirming the account opening using Go Mobile PIN, Customer/potential Customer agrees to open their Account
- Account will be active upon Bank’s approval and after Bank”s have actiavated the account based on any regulation applicable by the Bank
- Bank has the right to decline the Opening of an account which has not fulfilled any applicable regulations or Bank’s policies.
- Online Account Opening will be according to Terms and Conditions of each Savings, Currents, and Time Deposits product described in the Account Opening form.
- Shall the Bank indicates that there is missused of the account by the User in relation to a violation of law, including but not limited to any means of criminal action, Bank shall have the right to block the account, debit the account for settlement purposes without any notice in accordance to applicable regulations or Bank’s policies, dan/atau closure of the account.
Quick Access
- User shall activate or de-activate Quick Access feature via Setting menu in Mobile Banking System.
- User may choose any Accounts, Rekening Ponsel and Credit Cards to be displayed in the Quick Access menu. User can view their selected Account, Rekening Ponsel, and Credit Card balance without having to login to Mobile Banking system everytime
- User hereby agrees that the Bank shall neither be responsible nor indemnify nor be liable in any form whatsoever to the User for any risks, effects, and consequences that arise from registration, including the existence of other parties’ access on the User’s device.
TERMINATION OF MOBILE BANKING
Mobile Banking access of the User will be terminated in the events as follows:
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BLOCKING OF MOBILE BANKING
The Mobile Banking of the User will be blocked in the events as follows:
1. If User has wrongly entered Passcode at the time of Login or Go Mobile PIN at the time of transaction 3 (three) times, respectively. User can reactivate/ unblock Go Mobile through branch of the Bank or Phone Banking 14041. 2. If User forgets his/her Go Mobile PIN and/or the User knows or presumes that his/her Go Mobile PIN has been known by another person who is unauthorized and has been reported by the User for blocking purpose. |
HANDLING OF COMPLAINTS (Claims)
1. | For any question and/or complaint/claim related to certain transaction, User may file it in writing to a branch of the Bank and/or inform verbally through Phone Banking 14041 or e-mail 14041@cimbniaga.co.id. |
2. | User may file a complaint on a disputed transaction at the latest 30 (thirty) calendar days following the date of the Transaction. In case there is delay in User’s report, the loss shall be full responsibility of the User. |
3. | In case the complaint is filed in writing, the User shall attach the copies of the Transaction slips and other supporting evidence. |
4. | The Bank will examine/investigate the claim of the User in accordance with the policies and procedures applicable in the Bank. |
EVIDENCE
1. | User agrees that records, copies or other forms of information or data storage shall be valid evidence of instructions from the User, as well as other means of communication that are received or sent by the Bank. |
2. | The Bank and the User agrees that the books and/or records of the Bank whether in the form of documents or electronic media and/or other documents (including but not limited to withdrawal media, letters and other documents) kept and maintained by the Bank shall constitute legal and binding evidence on the parties. |
3. | User agrees that all instructions from the User that are received by the Bank will be treated as legal evidence although they are not made in the form of written or signed documents, and the User hereby undertakes to indemnify and hold the Bank harmless from any losses, liabilities, claims and costs (including reasonable legal costs) that arise in relation to the performance of such instructions. |
4. | The Bank will examine/investigate the claim of the User in accordance with the policies and procedures applicable in the Bank. |
FORCE MAJEURE
User will hold the Bank harmless from any forms of claims in case the Bank cannot perform instructions from the User whether partly or wholly due to the events or causes beyond control or capability of the Bank, including but not limited to natural disasters, war, insurrection, strike, riot, dysfunctional equipment, system or transmission, electric disruption, telecommunication disruption, regulations of authorized parties that exist now or will exist in the future, government policies as well as other events or causes beyond control or capability of the Bank. |
MISCELLANEOUS
1. | In the event of a change in the Terms and Conditions of CIMB Niaga Mobile Banking and other matters related to the Mobile Banking, before such change is made effective, the Bank will notify the User through announcement in the branch offices of the Bank or other media that are easily accessed by the User such as electronic banking media with due observance of the applicable regulations of law. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
2. | The Use of Mobile Banking shall be subject to the applicable rules and regulations in the Bank as well as all terms and conditions that govern all services and facilities and all transactions covered by the Mobile Banking. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
3. | Any losses that arise from the loss of the User’s Mobile Phone and/or abuse of Go Mobile PIN that has not been reported to the Bank due to the fault/negligence of the User shall be the responsibility of the User. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
4. | The powers in these Terms and Conditions of Mobile Banking shall constitute legal powers that will not expire as long as the User still uses the Mobile Banking or there are other obligations of the User still pending to the Bank. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
5. | These Terms and Conditions of Mobile Banking shall be subject to and from one unity with and an integral part of the Account and Mobile Banking Opening Application and the General Terms and Conditions of Account Opening that have been signed by the User. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
6. | By signing these Terms and Conditions of Mobile Banking, User binds himself/herself on all Terms and Conditions of Mobile Banking and declares that the Bank has given sufficient explanation on the characteristics of the Mobile Banking that will be utilized by the User and the User has known and understood all the consequences of utilizing the Mobile Banking, including the benefits, risks and costs that attach to the Mobile Banking. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
7. | These Terms and Conditions of CIMB Niaga Mobile Banking along with all amendments or additions and/or renewals thereof are made, interpreted and effected under the State Law of the Republic of Indonesia. Any disputes that arise from or based on these Terms and Conditions of CIMB Niaga Mobile Banking will be settled in the manner as follows:
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8. | These Terms and Conditions of CIMB Niaga Mobile Banking have been adjusted to the regulations of law, including the regulations of the Financial Service Authority.
TERMS AND CONDITIONS OF REKENING PONSEL REKENING PONSEL
OPENING AND ACTIVATION OF REKENING PONSELS
REKENING PONSEL TRANSACTIONS AND SERVICES
LIMIT AND FEES
RESPONSIBILIIES & FORCE MAJEURE
RESPONSIBILIIES OF REKENING PONSEL OWNERS
BLOCKING AND CLOSING OF A REKENING PONSEL
HANDLING OF COMPLAINTS (Claims)
SETTLEMENT OF DISPUTES
MISCELLANEOUS
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