At Curtis Fidelity Bank we are committed to protecting and respecting your privacy, and we take the protection of your personal information seriously.

Our Privacy Statement explains our approach to collecting, storing and processing your personal information, your rights and how to get in touch with us if you have any further questions.

What information do we collect about you?
We collect and process:

information you give us when you open an account with us or apply for one of our products or services (our “Services”). This will be the name, address, telephone numbers, date of birth, personal address and email address, country of residence and position within the organisation for all people who are named on the account (“Account Details“);
information you provide when you voluntarily complete customer surveys, provide feedback and participate in customer focus groups (“Feedback“);
correspondence you may have with us (including recordings of your calls with us) and any complaints you have raised to our attention (“Correspondence“);
information from credit reference agencies Equifax plc and GBG plc who gather information for us from public authorities (“Compliance Information“);
your name, business name, business address, business email address and business telephone number where these have been obtained from third parties for the purposes of marketing (“Lead Generation Data“);
information about your use of our website is collected using cookies. You can read more about these here.
How will we use the information about you?
We use personal information to provide you with our Services, updates concerning our Services, and to send administrative information to you, for example, information regarding changes to our terms, conditions, or policies. We also need to use your personal information to ensure the security of our Services, as well as for the purposes of preventing or detecting fraud.

This means that the legal basis for us processing your personal information described above will typically be the following:

because it is necessary to fulfil a contract that we have in place with you;
where the processing is necessary for compliance with our legal obligations; or
for our legitimate business interests.
We process personal information about you and may contact you, for our legitimate business interests to help us better understand our customers and improve our customer engagement and our Services. We process this information for analyzing our business, market research, audits, developing new products, enhancing our website, improving our Services, identifying usage trends, determining the effectiveness of our promotional campaigns, tailoring the customer experience and content based on your past activities on the website or Internet Banking, gauging customer satisfaction or providing customer service (including troubleshooting in connection with customer issues).

We use and keep call recordings between you and us for our legitimate business interest of internal training purposes and also to ensure that we are handling your query correctly.

For the purpose of marketing, we receive information from third parties about individuals who may be interested in receiving our Services. We do this for our legitimate business interests of expanding our business.

Marketing preferences
We use the following channels to provide you with information about our Services that may be of interest to you:

Email
Phone
Post
Text
If you have consented to receive marketing communications you have the right to amend your preferences including the communication channels and opt-out at any time. You can do this by updating your user preferences here or by emailing info@unityonlineacess.com Please note, if you opt-out of or amend your preferences, we may still contact you about service-related issues such as where we make changes to our Services, our terms, and conditions or this Privacy Statement.

We will never sell or disclose your personal information to third parties for marketing activities although we do use Customer management and fulfillment agencies to help us with our own marketing activities.

How we store your personal information and how long we store it for
We only store your personal information in Ireland or any of our Branches and our suppliers do not send personal information outside the EEA. However, we will, of course, have to disclose your details to external banks outside the EEA if you have requested payment to such bank accounts.

We will only retain your personal information for the following periods:

Your Account Details, Correspondence, and Compliance Information – 6 years after you have closed your account with us;
Lead Generation Data – 6 years after this data was initially captured
Feedback data – 6 years after this data was initially captured
Where we have collected the personal information based on your consent and we have no other lawful basis to continue with that processing, if you subsequently withdraw your consent then we will stop processing that personal information and delete it. This will not affect the lawfulness of processing based on consent before its withdrawal.

If we have anonymized your personal information or aggregated your personal information in a way that you can no longer be identified from it, then we will continue to keep and use this anonymized information.

Who we share your personal information with
We cannot run our business or provide many of our services and benefits without involving other people and businesses and sometimes we pass your information to these other people and businesses as set out below. We only share your information where we can do so in accordance with our legal data protection and privacy obligations. We will share your personal information with:

credit reference service providers who provide anti-fraud and credit score information to us, central and local government departments, for example, the Driver Vehicle Licensing Agency (DVLA) and local authorities who run the UK electoral rolls, banks and finance companies who also provide anti-fraud services, in each case as necessary in order to benefit from their services; where your personal information has been shared with us by third parties, we will share this information with customer management and fulfillment agencies who help us to generate leads and book appointments for our Relationship Managers;
fraud prevention agencies will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights can be found by following this link.
customer management and fulfillment service providers so we can manage your transactions and deal with your account applications and amendments;
payment service providers who provide services for sending and receiving payments;
data security providers who provide us with our safeguards for your personal data;
professional advisors who need it to provide advice to us;
compliance and regulatory bodies: police, local authorities, HM Revenue & Customs (HMRC), the Financial Conduct Authority, the Prudential Regulation Authority, the courts, and any other central or local government bodies where they request it and we may lawfully disclose it, for example for the prevention and detection of crime;
other people who make a subject access request to us, where we are allowed to do so by law (see Your rights below for what we mean by a subject access request).
We also share the information we process where we are legally obliged to do so, for example, to comply with a court order.

Your rights
You have certain rights in relation to your personal information. These include:

(where we rely on your consent to process your personal information) the right to withdraw consent to the processing of your personal information,
the right to request access to your personal information (a “subject access request”);
to correct any mistakes on our records;
to erase or restrict your personal information where it is no longer needed for the purpose for which they were obtained or used;
the right to object to our use of your personal information based on legitimate business interests, including for profiling and marketing; and
the right, in certain circumstances, to receive a machine-readable copy of, the personal information you provided to us.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. We will handle any request to exercise your rights in accordance with applicable law.

If you wish to exercise any of these rights please write to us using the contact details set out in the “Contacting Us” section below with the subject line ‘Personal information request’. In your request, please supply the following details:

First name(s) & surname
Address & postcode
Details of the type of information you are seeking
Proof of Identity – this could be a document that contains a signature, such as a passport.
In your request, please make clear what right you would like to exercise. Providing us with this information will help us to quickly identify and deal with your request.

Links
For your convenience, this site contains links to other sites. This Privacy Statement only covers the Unity Trust Bank website. Links within this site to external websites are not covered by this Statement. Unity Trust Bank does not accept any responsibility for the content, accuracy, privacy practices, and performance of such sites. Any comments or queries in relation to such linked sites should be directed to the owner of those sites. We recommend that you read the Privacy Statement for every website that you visit.

Changes to our Privacy Statement
We regularly review our Privacy Statement and will publish any updates on this webpage. This Privacy Statement was last updated on the date as set out at the top of this Privacy Statement.

Contacting us
If you have any questions or feedback about this Privacy Statement, or would like to exercise your rights concerning your personal data please get in touch with our Data Protection Manager:

Email: info@curfid.com

Call: +601131494689

We will do our very best to answer any questions and resolve any complaint to your satisfaction.
Definitions
Browser or Web Browser

There are many web browsers but the most common ones are Internet Explorer, Firefox, Chrome, and Safari.
Web browsers are used to locate and display web pages.

Data Controller

We, Curtis Fidelity Bank, registered office
Headquarters: Curtis Fidelity Bank, Ireland.
Branch: Curtis Fidelity Bank, Kuala Lumpur, Malaysia

IP (Internet Protocol)

All networks connected to the internet speak IP, the technical standard that allows data to be transmitted between two devices. TCP/IP (Transmission Control Protocol/Internet Protocol) is responsible for making sure messages get from one computer to another and that the messages are understood.

IP Address

When you are connected to the internet you have an IP address. It may look something like this ‘198.184.98.9’.

If you are a dial-up customer using an analog modem or ISDN, your IP address will usually change each time you connect to the Internet. This means that you cannot be uniquely identified by your IP address.

Web Server

The computer which sends web pages to your computer.

[cookie_options]

You can find out more about cookies and how we use them on our website here.

We hereby formulate the Terms and Conditions of Online Banking Services (the “Terms”) in order to provide you with better Online Banking Services, prevent risks inherent in Online Banking, and specify the rights and obligations of the parties in Online Banking. Please read the Terms carefully before you use any of our Online Banking Services. If you have any questions, please feel free to contact us, and you can browse our official website cifitbank.com for the nearest branch and the most up-to-date contact information.

Terms and Conditions of Online Banking Services

I.  Scope of Application

  1. Terms and Conditions of Online Banking Services (as may be varied and amended from time to time, hereinafter referred to as these “Terms”) shall apply to the Online Banking Services provided by Curtis Fidelity Bank (Malaysia) Limited (hereinafter referred to as “We” or “Us”) and shall be legally binding on customers and us. Both customers and we shall comply with the Terms.
  2. Before a customer applies to us for activation of Online Banking Services or uses Online Banking Services for the first time, the customer shall carefully read the Terms and fully understand relevant provisions hereof, and the customer shall have the right to require us to provide sufficient explanation about the Terms. BY APPLYING TO US FOR THE ACTIVATION OF ONLINE BANKING SERVICES OR USING ONLINE BANKING SERVICES FOR THE FIRST TIME, CUSTOMERS SHALL BE DEEMED TO HAVE CAREFULLY READ, UNDERSTOOD, AND ACCEPTED THE TERMS AND AGREED TO BE BOUND HEREBY.

II. Provision of Services

  1. Customers may apply to us for the activation of Online Banking Services, and we may also activate all or part of the functions of Online Banking Services for qualified customers. Customers may use part of Online Banking Services without applications or requiring our additional operations. Customers may apply to us for the termination of certain Online Banking Services, and we have the right to accept or reject such applications of the customers.
  2. Customers may use computers, fixed-line phones, mobile phones, ATMs and other self-service bank facilities, or other electronic devices to use or operate all or part of financial services via the Internet, telephone communication networks, wireless networks, other open public networks or private networks provided by us (hereinafter referred to as “Online Banking Services” or these “Services”).

III. Content of Services

Online Banking Services

    • (a) Customers may enjoy Online Banking Services via our website at www.cifitbank.com
    • (b) Online Banking Services include the Mobile Banking Services

Phone Banking Services

    • (a) Customers may enjoy Phone Banking Services via the customer service hotline or contact number for Phone Banking published by us on our official website www.cifitbank.com/
    • (b) We/our branches and sub-branches may also dial the telephone numbers registered by customers with us to provide financial services to them.

We may provide other Online Banking Services to customers from time to time.

We may change the website address, telephone number, SMS number, and domain name for Online Banking Services from time to time and make announcements or provide notice within a reasonable period of time. Thereafter, the changed website address, telephone number, SMS number, and domain name for Online Banking Services as announced or notified to customers by us from time to time shall apply.

CUSTOMERS SHALL NOT USE WEBSITE ADDRESS, TELEPHONE NUMBER, SMS NUMBER, OR DOMAIN NAME FOR ONLINE BANKING SERVICES NOT ANNOUNCED OR NOTIFIED BY US. IF ANY CUSTOMER IS AWARE OR SUSPECT THAT ANY OTHER PERSON OR ENTITY PROVIDES ONLINE BANKING SERVICES IN OUR NAME, SUCH CUSTOMER SHALL NOTIFY US IMMEDIATELY.

To the extent permitted by law, from time to time, we may send advertisements about products or services of us or our affiliates through the provision of these Services.

IV. Recipient of Services

These Services are made available to:

  1. Customers who are above the age of 18, have full capacity for civil conduct and have opened saving accounts with us;
  2. Customers who have opened a Junior Savings Account and shall use Online Banking Services pursuant to the Special Terms & Conditions for Junior Savings Account of Curtis Fidelity Bank as well as to the Terms;
  3. Holders of principal credit cards and supplementary credit cards issued by us; and
  4. Potential customers intending to consult us about our products and services.

V. Function, Operation, Suspension and Termination of these Services

  1. Customers undertake to apply for activation of and use part or all of the functions of these Services according to the procedure (if any) specified by us.
  2. Customers may use these Services to inquire about part/all of financial information, but such information might not be up-to-date, since some banking businesses are likely pending for our processing; unless verified and confirmed by us, we will not make any warranty with respect to the financial information queried by customers through these Services.
  3. With respect to different Online Banking service channels, and/or different financial services, and/or different customer types, and/or other factors, we might provide different Online Banking Services; for example, in the case of a joint account, we might provide different Online Banking Services to different holders of the joint account; as for an supplementary credit card, we might provide different Online Banking Services to the holder of supplementary card and the holder of the principal card.
  4. The specific applicable conditions of Online Banking Services, content, functions, and runtime of services depend on actual operations and actual operating environment. We might formulate or modify the user manuals, guides, function introductions, announcements or notices of relevant Online Banking Services from time to time, which customers may read and consult, but if they differ from actual operations and actual operating environment of these Services, the actual operations and operating environment shall prevail.
  5. Provisions regarding the runtime of these Services might vary with different functions under these Services, specifically subject to the actual operations and operating environment of such functions under Online Banking Services. When a customer submits a transaction instruction other than during the runtime of these Services, such instruction might be executed in the subsequent runtime.
  6. We will take reasonably practicable actions to ensure that our Online Banking service system has sufficient security settings to control and manage risks in the operating system and provide these Services constantly, subject to the provisions of Article 8 hereof.
  7. CUSTOMERS ACKNOWLEDGE AND AGREE THAT:

(a) DUE TO THE NEED FOR REGULAR MAINTENANCE AND OTHER REASONS, WE WILL HAVE THE RIGHT AT ANY TIME TO GIVE A NOTICE TO UNILATERALLY (1) ADD, DELETE, MODIFY OR SUSPEND ANY AVAILABLE FUNCTIONS OR THE CONTENT OF THESE SERVICES; (2) CHANGE THE RUNTIME; OR (3) SUSPEND, OR TERMINATE PART/ALL OF THESE SERVICES. UNLESS OTHERWISE PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR LOSSES CAUSED BY THE FOREGOING ACTIONS.

(b) UNLESS OTHERWISE PERMITTED BY US, CUSTOMERS MIGHT BE UNABLE TO SUSPEND OR TERMINATE SOME FUNCTIONS OF THE ONLINE BANKING SERVICES.

(c) Modification, suspension, and termination of these Services might have no effect on customer instructions we have received, which are likely to remain in effect.

VI. Identity Verification

  1. We may require different methods of identity verification (hereinafter referred to as “Identity Verification Information”) for different Online Banking service channels, and/or different financial transactions, and/or other security considerations, including but not limited to one or more of the following identity verification methods:
  • Various Online Banking service passwords, including but not limited to Phone Banking password, Online Banking password, query password, transaction password, and electronic advice password (also called “Login Code” in some cases), which are hereinafter collectively referred to as “Online Banking Service Passwords” or simply “Passwords”;
  • Verification Codes;
  • Fingerprint identification passwords;
  • Face identification passwords;
  • Preset security questions and answers;
  • Personal information (the usernames, Phone Banking user numbers, debit card numbers, credit card numbers, expiry dates, CVV2 codes, ID documents and ID numbers, mobile phone numbers, fixed-line phone numbers, correspondence addresses and other customer information relating to these Services and used for verifying customers’ identity, which are set by customers/us, and/or recorded in databases of government departments/databases of other banks/other commercial databases).

We may add, delete or change identity verification methods from time to time.

  1. AS FOR FINANCIAL SERVICES REQUIRING NO IDENTITY VERIFICATION, CUSTOMERS ACKNOWLEDGE THE RESULTING CONVENIENCE AND FLEXIBILITY AND ARE AWARE OF AND WILLING TO ASSUME RELEVANT RISKS THAT MIGHT ARISE.
  2. Customers must comply with our requirements and use the Online Banking Services through the identity verification method required by us or set by customers. ALL OPERATIONS PERFORMED AND PASSED BY IDENTITY VERIFICATION UNDER THE ONLINE BANKING SERVICES (INCLUDING ANY ONE OR MORE ITEMS OF ACCURATE IDENTITY VERIFICATION INFORMATION SUFFICIENT TO PROVE A CUSTOMER’S IDENTITY) WILL BE DEEMED AS BEING PERFORMED BY THE CUSTOMER HIM/HERSELF AND ARE THE TRUE INTENTION OF THE CUSTOMER, AND THERE IS NO NEED TO GET ANY FURTHER WRITTEN OR OTHER FORM OF CONFIRMATION FROM THE CUSTOMER, EVEN IF SUCH OPERATIONS ARE SUBSEQUENTLY PROVED TO BE ACTUALLY NOT PERFORMED BY THE CUSTOMER IN PERSON.
  3. When a customer dials our Phone Banking number or receives a call from our Phone Banking number, we may require the customer to verify his/her identity via Phone Banking password or query password (in the case of a credit card) or preset security questions, and the customer shall cooperate in the verification process.
  4. As for certain financial services, we may unilaterally decide to ask a customer to use a mobile verification code (a one-time password generated and sent by us to the mobile number registered by the customer with us, hereinafter referred to as “Verification Code”) to go through additional identity verification. CUSTOMERS CLEARLY UNDERSTAND THAT IF THE MOBILE PHONE USED FOR VERIFICATION OR THE MOBILE NUMBER REGISTERED WITH US IS LOST, STOLEN, OR GOES OUT OF ACTUAL CONTROL OF CUSTOMERS, THIS MIGHT RESULT IN LEAKAGE OF IDENTITY VERIFICATION INFORMATION AND LOSS OF CUSTOMERS’ FUNDS.
  5. In case the Identity Verification Information input by a customer in his/her use of relevant Online Banking Services is inconsistent with the information recorded by us, we shall have the right to freeze relevant Identity Verification Information (such as passwords), accounts and services of the customer, till the customer completes the identity verification, resets or modifies the relevant Identity Validation Information pursuant to relevant requirements of us.
  6. Customers may modify part of Identity Verification Information under these Services, but any such modification must be made pursuant to relevant requirements of us and shall not become effective until accepted by us. We shall have the right to perform identity verification of a customer before executing the customer’s instruction to modify his/her Identity Verification Information.

VII. Authorization and Operation of Instructions

  1. Customers warrant that instructions given in connection with these Services are accurate, adequate and complete. Unless customers have received our confirmation of receipt of such instructions, we shall not be deemed to have received such instructions. After receiving customers’ instructions through these Services, we shall have the right to deduct relevant specified fees from customer accounts before executing relevant instructions.
  2. CUSTOMERS UNDERSTAND AND AGREE THAT, UNLESS OTHERWISE PERMITTED BY US AND EXCEPT WHERE IT IS ACTUALLY PRACTICABLE, INSTRUCTIONS SENT BY CUSTOMERS THROUGH THESE SERVICES CANNOT BE WITHDRAWN OR REVOKED.
  3. If customers require us to have the instructions withdrawn or revoked upon submission by them, we may (but have no obligation to) decide whether to effect such withdrawal or revocation at our sole discretion, and customers agree to bear all the costs and expenses incurred in such process. WE CAN AFFECT WITHDRAWAL OR REVOCATION ONLY TO THE EXTENT THAT WE CAN PRACTICALLY DO SO (FOR EXAMPLE, PERMITTED BY THE SYSTEM), AND WE DO NOT WARRANT SUCCESSFUL WITHDRAWAL OR REVOCATION.
  4. IF WE THINK THAT WE HAVE RECEIVED AN INSTRUCTION NOT DULY AUTHORISED BY THE CUSTOMER, WE MIGHT USE A REASONABLE METHOD TO INSPECT WHETHER SUCH INSTRUCTION HAS BEEN AUTHORISED BY THE CUSTOMER, WHILE THE CUSTOMER SHALL COOPERATE.
  5. IF WE REASONABLY SUSPECT THAT AN INSTRUCTION RECEIVED HAS NOT BEEN DULY AUTHORISED BY THE RELEVANT CUSTOMER, OR THE CONTENT OF THE INSTRUCTION RECEIVED BY US IS INCONSISTENT WITH THE INFORMATION RECORDED WITH US, OR THE IDENTITY VERIFICATION INFORMATION WE RECEIVE IS INCONSISTENT WITH OUR RECORDS, WE MAY:
    • (a) REFUSE TO EXECUTE OR REVOKE THE INSTRUCTION SUBMITTED THROUGH THESE SERVICES; AND/OR
    • (b) REQUIRE THE CUSTOMER TO PROVIDE A WRITTEN CONFIRMATION IN THE CASE OF A SPECIAL INSTRUCTION.

THE CUSTOMER SHALL UNDERSTAND AND AGREE THAT WE TAKE THE FOREGOING ACTIONS FOR THE SAKE OF TRANSACTION SECURITY, AND ACCEPT ANY INCONVENIENCE, DELAY OR LOSS ARISING THEREFROM.

  1. IN CASE ANY OF THE FOLLOWING CIRCUMSTANCES ARISES ON THE DESIGNATED EXECUTION DATE OR WHEN THE RELEVANT TRANSACTION IS PERFORMED, WE SHALL HAVE NO OBLIGATION TO EXECUTE THE TRANSACTION INSTRUCTION OF THE CUSTOMER IN WHOLE OR IN PART, AND THE CUSTOMER MIGHT SUFFER RELEVANT LOSS OR DAMAGE:

(a) There are no sufficient funds in the designated account of the customer so that we cannot execute the instruction of the customer;

(b) There are no sufficient funds in the designated account to pay any fee, expense or other sums payable by the customer to us;

(c) Execution of the customer’s instruction will result in the balance in the designated account of the customer exceeding the credit amount or credit limit set by us with respect to the customer and/or his/her designated account;

(d) The transaction amount required in the customer’s transaction instruction will exceed the limit and number of transactions set by us and/or the customer with respect to the customer and/or his/her designated account; or

(e) The designated account of the customer is closed, frozen, or made unusable for any reason.

  1. IF AN ERROR OCCURS TO A TRANSACTION INSTRUCTION WHEN WE ARE EXECUTING IT, THE RELEVANT CUSTOMER SHALL CONTACT US WITHIN 30 DAYS AFTER THE DATE WHEN THE CUSTOMER KNOWS OR OUGHT TO KNOW THAT SUCH ERROR OCCURS, OTHERWISE THE CUSTOMER SHALL BE DEEMED TO HAVE ACKNOWLEDGED AND ACCEPTED OUR EXECUTION, AND SHALL ASSUME THE RELEVANT CONSEQUENCES ARISING THEREFROM.
  2. Pursuant to the provisions of relevant laws and regulations, if a customer makes payment through these Services (THE CUSTOMER’S ACT OF GIVING PAYMENT INSTRUCTIONS TO REALIZE CURRENCY PAYMENT AND FUND TRANSFER VIA ONLINE BANKING AND PHONE BANKING, ETC, HEREINAFTER REFERRED TO AS “ONLINE PAYMENT”), the customer shall comply with the following provisions:

(a) The customer shall activate the Online Payment function under these Services pursuant to the procedure (if any) specified by us and designate the account used for Online Payment;

(b) The customer understands and accepts that some Online Banking Services have contained the Online Payment function, so after such Online Banking Services are activated, we shall have the right (rather than obligation) to obtain separate confirmation of the customer to activate the Online Payment function in such Online Banking Services;

(c) The customer shall ensure the payment ability of the account used to process the Online Payment business; and

(d) Unless otherwise permitted by us, all Online Payment transaction instructions shall go through identity verification.

VIII. Risk Warning and Liability Provisions

  1. Customers clearly understand and agree that the use of Online Banking Services, such as the transmission of instructions, information or communications via the Internet, telephone communication networks, wireless networks, other open public networks or private networks will increase the risks of error, security, privacy and fraud, including but not limited to the following:
  • Any error, delay or time difference during the transmission of instructions or notices;
  • Negligence or omission to execute any order or requirement set forth in instructions or notices;
  • Existence of any unclearness in instructions or notices or our possible misunderstanding of the content of such instructions or notices;
  • Any misuse of customers’ systems by customers or other persons;
  • The risk that any third party acquires personal information of customers or uses accounts of customers through these Services due to any reason attributable to customers;
  • Any of our misunderstandings or errors in terms of identity verification;
  • The risk that instructions pass our identity verification and are deemed to be submitted by customers personally but they are actually submitted by others using customers’ usernames, passwords or Verification Codes and are executed;
  • The risk that instructions or notices alleged to be given by customers while are actually not authorised by customers; and/or
  • Any fraud or imposture by any person.

CUSTOMERS UNDERSTAND AND AGREE THAT WE WILL NOT MAKE ANY REPRESENTATION OR WARRANTY REGARDING THE RELIABILITY OF ANY INSTRUCTION OR NOTICE UNDER THESE SERVICES, OR ASSUME LIABILITY FOR ANY ERROR, LACK OF RELIABILITY, OR SECRET LEAKAGE IN ANY SUCH INSTRUCTION OR NOTICE. NEVERTHELESS, CUSTOMERS ARE WILLING TO ACCEPT RELEVANT RISKS AND BE BOUND BY SUCH INSTRUCTIONS OR NOTICES. WE SHALL NOT BE HELD LIABLE FOR THE LOSSES OR DAMAGES SUFFERED BY CUSTOMERS OR ANY THIRD PARTY, EXCEPT DUE TO OUR WILLFUL MISCONDUCT OR GROSS NEGLIGENCE.

  1. WITH RESPECT TO ALL CLAIMS, LEGAL PROCEEDINGS, LEGAL LIABILITIES, LOSSES DIRECTLY OR INDIRECTLY ARISING FROM OUR ACTING UPON THE INSTRUCTIONS OR NOTICES OF CUSTOMERS AND/OR ARISING FROM ANY OF THE FOLLOWING CIRCUMSTANCES, AS WELL AS ALL THE EXPENSES (INCLUDING LEGAL COSTS) INCURRED BY US IN EXERCISING OR ENFORCING OUR RIGHTS (INCLUDING SEEKING RECOVERY FROM CUSTOMERS), CUSTOMERS AGREE TO SOLELY BEAR SUCH EXPENSES AND UNDERTAKE TO FULLY INDEMNIFY US AGAINST SUCH LOSSES AND EXPENSES INCURRED BY US UPON REQUEST OF US:
  • (I) THE RELEVANT CUSTOMER DOES NOT RECEIVE A VERIFICATION CODE; (II) THE VERIFICATION CODE IS SENT TO ANOTHER PERSON; (III) WE DO NOT RECEIVE THE INSTRUCTION SENT BY THE CUSTOMER THROUGH THESE SERVICES; OR (IV) OTHER CIRCUMSTANCES ARISE, BECAUSE THE MOBILE NUMBER DESIGNATED BY THE CUSTOMER IS WRONG OR OUT OF SERVICE, THE MOBILE PHONE USED FOR VERIFICATION IS LOST AND DUE TO OTHER REASONS UNATTRIBUTABLE TO US;
  • (I) ELECTRONIC ADVICE PASSWORD IS LOST; (II) THE CUSTOMER DESIGNATES A WRONG EMAIL ADDRESS; OR (III) ELECTRONIC ADVICE AND RELEVANT PASSWORDS ARE NOT RECEIVED SUCCESSFULLY DUE TO THE DESIGNATED EMAIL ADDRESS; AND
  • CHANGES IN THE MOBILE NUMBER, EMAIL ADDRESS OR OTHER RELEVANT INFORMATION REGISTERED BY THE CUSTOMER WITH US HAVE NOT BEEN NOTIFIED TO US IN A TIMELY MANNER;

FOR PURPOSES OF THIS ARTICLE, THE CUSTOMER AUTHORISEAUTHORISES US TO DEDUCT ANY SUM FROM ANY ACCOUNT OPENED BY THE CUSTOMER WITH US TO PAY THE SUMS REQUIRED TO INDEMNIFY US AS MENTIONED ABOVE.

  1. CUSTOMERS UNDERSTAND AND ACCEPT THAT WHEN ANY OF THE FOLLOWING CIRCUMSTANCES ARISES, OR CUSTOMERS USE THESE SERVICES IMPROPERLY, OR OTHER CIRCUMSTANCES BEYOND OUR CONTROL ARISE, THAT MIGHT RENDER THESE SERVICES UNUSABLE NORMALLY OR AT ALL, OR WE FAILS TO ACT OR DELAYS IN ACTING UPON THE INSTRUCTIONS OR NOTICES UNDER THESE SERVICES, CUSTOMERS MIGHT SUFFER RELEVANT LOSSES:
    • (a) ANY EQUIPMENTS/SYSTEMS USED BY CUSTOMERS ARE INCOMPATIBLE WITH THE SYSTEM REQUIRED FOR THESE SERVICES;
    • (b) TRANSMISSION OR COMMUNICATION FACILITIES ARE DAMAGED OR FAIL DUE TO ANY REASON, OR TRANSMISSION OR COMMUNICATION IS IMPOSSIBLE OR DELAYED OR ERRONEOUS DUE TO ANY OTHER REASON;
    • (c) USE DEMAND EXCEEDS SYSTEM LOAD OR SYSTEM LIMIT, OR THE SYSTEM OR NETWORK FAILS;
    • (d) HACKER ATTACK, SYSTEM FAILURE, COMMUNICATION FAILURE, NETWORK CONGESTION, POWER SUPPLY SYSTEM FAILURE, COMPUTER VIRUS AND MALICIOUS PROGRAM;
    • (e) Any machine, system or communication error, industrial dispute or any other circumstance beyond our control, so that these Services are unusable in whole or in part, or instructions submitted by customers cannot be executed at all or executed timely or accurately.
  2. IF CUSTOMERS ACCESS THESE SERVICES THROUGH ANY THIRD PARTY SERVICE NOT CONTROLLED BY US OR ACCESS SUCH THIRD PARTY SERVICE THROUGH THESE SERVICES, OR OBTAIN VERIFICATION CODES OR OTHER ONLINE BANKING SERVICE PASSWORDS THROUGH ANY SERVICE NOT CONTROLLED BY US, OR SUFFER ANY LOSSES DUE TO THE USE OF SUCH THIRD PARTY SERVICE, WE SHALL NOT BE HELD LIABLE. Customers should assert their relevant rights against third-party service providers pursuant to the terms and conditions of service of such third parties.

IX. Security Guarantee

  1. Customers shall properly keep their mobile phones used to receive Verification Codes (hereinafter referred to as “Mobile Phones for Verification”), Identity Verification Information, electronic advice passwords (if any) sent by us to the email boxes designated by customers, and so on.
  2. Customers are aware that they might suffer losses for any leakage of their Identity Verification Information to others. CUSTOMERS AGREE TO BEAR RELEVANT RISKS THAT THEIR IDENTITY VERIFICATION INFORMATION MIGHT BE USED BY UNAUTHORISED PERSONS OR USED FOR UNAUTHORISED PURPOSES, AND BEAR RELEVANT LOSSES CAUSED BY THE LEAKAGE OF SUCH INFORMATION.
  3. Once a customer knows or suspects that his/her Identity Verification Information is known to any unauthorised person, the Mobile Phone for Verification is lost, or any unauthorised person uses these Services impersonating the customer, the customer shall notify us by dialling the telephone number designated by us, and require us to suspend or terminate all/part of Online Banking Services (to the extent that such services can be suspended or terminated). EXCEPT WHERE WE HAVE WILLFUL MISCONDUCT OR GROSS NEGLIGENCE, BEFORE WE ACCEPT THE CUSTOMER’S SUSPENSION OR TERMINATION INSTRUCTION, WE WILL NOT BE HELD LIABLE FOR ANY LOSS ARISING BECAUSE ANY UNAUTHORISED PERSON USES THESE SERVICES IMPERSONATING THE CUSTOMER OR THESE SERVICES ARE USED FOR UNAUTHORISED PURPOSES.
  4. Customers shall modify their Online Banking service passwords on a regular basis or as required by the system, and do not use any Online Banking service password that had ever been used.
  5. When a customer sets or changes his/her password, the customer must not use a password that can be easily guessed by a third person to give such third person the opportunity to use these Services impersonating the customer; for example, the customer shall avoid using his/her or anyone else’s birthday, ID card number, telephone number, repeated or consecutive numbers or characters as password.
  6. At any time, customers must take all reasonable actions to ensure the security of passwords. Customers must ensure that they will not disclose their passwords to any other persons, including our staff as well as persons providing assistance at the technical information desk. Customers shall not record their passwords in order to prevent others from obtaining passwords easily.
  7. If a customer inadvertently discloses his/her password or suspects that anyone else knows his/her password, the customer must change the password immediately through these Services. If the password cannot be changed, the customer must notify us immediately through Phone Banking service.
  8. If a customer finds/suspects that anyone else knows his/her Verification Code, the customer shall immediately exit/log out of these Services to make the Verification Code invalid, and notify us immediately.
  9. If a customer finds that there is any transaction not duly authorized by him/her in any of his/her accounts/services, the customer must notify us immediately via Phone Banking. Therefore, the customer must often check all his/her accounts/services to check for such transactions.
  10. CUSTOMERS SHALL USE THESE SERVICES PERSONALLY AND SHALL NOT ALLOW ANY PERSON TO USE THESE SERVICES ON THEIR BEHALF.
  11. In their use of these Services, customers shall not leave relevant computer devices or electronic service equipment, no matter whether such equipment is provided by us, and customers shall ensure that they log out of the Online Banking service system before leaving such equipment.
  12. Customers shall not operate these Services by using terminals connected to local area network (LAN) (such as in an office environment where it is impossible to ensure that no one can observe or duplicate customers’ operations and receive these Services impersonating customers).
  13. We may otherwise provide customers with security tips. Customers must ensure that they use the services safely according to the security requirements provided by us to customers (in whatever form).
  14. Customers shall take all reasonably practicable actions to ensure that the computers or other devices used by them for these Services are free of any computer viruses or similar devices or software, including but not limited to equipment regarded as software bombs, Trojan horses, or worm viruses. These Services can be used via the Internet or other communication channels (as appropriate) but we are unable to control public systems, so customers must ensure that the computers or other devices they use for these services have been provided with sufficient virus protection.