Terms & Conditions Governing Public Bank Online Banking (Pbe) and Mobile Banking (PB Engage) Notice
Terms & Conditions Governing Public Bank Online Banking (Pbe) and Mobile Banking (PB Engage) Notice
NOTICE:
The Online Banking and Mobile Banking (“individually and collectively referred to as e-Banking
Service”) allow communication and interaction between Public Bank Berhad or Public Islamic
Bank Berhad (“Bank”) and the Customer.
Before accessing the e-Banking Service and/or using all or any of its features, the Customer must
read, understand and agree to be bound by the Terms and Conditions herein as well as any other
terms which the Bank may prescribe. If the Customer does not agree to accept any of the Terms
and Conditions, the Customer is advised to immediately discontinue access and/or use of the
e-Banking Service.
The Customer's access or use of the e-Banking Service shall be at the Customer's own risk and
initiative. The Customer shall be responsible for compliance of all applicable laws.
1. GENERAL
1.1 The Customer is advised to seek independent legal, financial or other advice as
the Customer deems necessary at all times before making any decision based on
any information, material or any content herein.
2.1 In these Terms and Conditions, the following words and expressions shall have
the following meaning:
b. “Agent” means any third party offering products, services, content and
information.
c. “Agreement” means this agreement between the Customer and the Bank for
the e-Banking Service, all supplements, amendments and variations thereto.
d. “Authorised Person” means the Customer himself who has applied for the
e-Banking Service.
f. “Bill” means the bill, invoice, notice, renewal notice, form and/or payment
demand received by the Customer from a Payee Corporation and which has to
be paid within the time frame stipulated in the Payee Corporation's bill,
invoice, notice, renewal notice, from and/or payment demand.
h. “Business Day” means any calendar day from Monday to Friday, except a
public holiday or bank holiday in the Federal Territory of Kuala Lumpur.
j. “Customer” means:
(i) The individual person or persons or the corporate entity in whose name(s)
the Account(s) is/are maintained with the Bank and to whom the Bank has
agreed to provide the e-Banking Service and where applicable, the
Customer's successors in title or legal representatives; or
(ii) The Bank’s valid Customer who has downloaded the PB engage
application.
k. “Cross Border QR” means an electronic fund transfer service that are routed
using information obtained from scanning QR codes compliant with the
DuitNow QR standard or any other QR codes supported by the DuitNow QR
Operator.
p. “e-Banking Service” means the Bank’s Online Banking (PBe) and Mobile
Banking (PB engage) services.
(ii) In the case of a Corporate Customer, the accounts that the Appointed
Person is authorised by the Corporate Customer to access and use the
PBe Service for and on behalf of the said Corporate Customer,
w. “Mobile Devices” means the mobile phone, smartphone, tablet or such other
communication device which is used to access the e-Banking Service.
y. “PAC” means the PBe Authentication Code used to confirm and authorise
the internet banking transaction effected by the Customer. The PAC will
be forwarded via Short Message System (“SMS”) Service by the
telecommunications company to the Customer’s handphone number
registered in the Bank’s records.
z. “Password” means a unique string of characters issued by the Bank for the
Customer's first time login to the e-Banking Service and thereafter chosen
by the Customer and known only to the Customer and the Bank's computer
system, which must be keyed in by the Customer on the Customer's Device
in order to authenticate the Customer's User ID and grants the Customer
access to the e-Banking Service.
bb. “PB engage” means the "Mobile Application" herein defined as the
software applications which is made available for download via Apple
App Store or Google Play Store.
cc. “PB SecureSign” means the digital token feature in the PB engage app
using OneSpan Mobile Security Suite provided by OneSpan Asia Pacific
Pte Ltd which will enable the digital signing and approving of a transaction
by a Customer.
dd. “PBe Service” means the Online Internet Banking Service which the
Customer may access through the use of a personal computer terminal,
modem and/or any other telecommunication device, over the Internet,
upon the correct input of the Customer's User ID and Password.
ff. “QR Code” means a two-dimensional barcode that can be read using the
camera of a smartphone or mobile device that is equipped with a QR
reader.
gg. “Quick Access” means the service to enable the Customer to perform
account inquiry and transactions up to the amount as determined by the
Bank using biometric.
ii. “Recipient” means an individual who receives funds via the DuitNow QR
Service.
kk. “Static QR” means a QR Code displayed which requires the individual to
key-in the amount of the payment or credit transfer.
nn. “SecureSign Token” means the digital device known as VASCO Digipass
DP270XH manufactured by VASCO Data Security International GmbH
and which will enable the digital signing and approving of a transaction by
the Customer.
oo. “Terms and Conditions” means these Terms and Conditions governing the
use of the e-Banking Service.
qq. “User ID” means the identification access code issued by the Bank for the
Customer's first time login to the e-Banking Service and thereafter chosen
by the Customer which must be keyed in by the Customer in order for the
e-Banking Service system to associate the User ID with the Customer's
user profile and account.
2.2 Words importing the singular shall include the plural and vice versa.
2.4 Any banking term not specifically defined or described herein shall be construed
in accordance with the general practice of banks and financial institutions in
Malaysia. Any terms relating to computer technology not specified defined or
described herein shall be construed in accordance with the general practice and
the information technology industry in Malaysia.
2.5 Where there are two (2) or more persons or parties comprised in the expression
“the Customer”, the agreements, covenants, stipulations, undertakings, Terms and
Conditions expressed to be made by and on the part of the Customer herein shall
be treated and understood as made by or binding upon such persons or parties
jointly and severally.
3. THE AGREEMENT
3.1 The Terms and Conditions herein and all supplements, amendments and
variations thereto shall collectively constitute the agreement between the
Customer and the Bank (“the Agreement”).
3.2 The Terms and Conditions operate in conjunction with the respective Terms and
Conditions and rules and regulations applicable to the Account(s).
3.3 In the event of any conflict or inconsistency between the Terms and Conditions
herein and the Terms and Conditions and rules and regulations governing the
relevant Account(s), the latter shall prevail for purposes of interpretation and
enforcement to the extent of such conflict or inconsistency.
3.4 In addition to the above, these Terms and Conditions operate in conjunction with
the respective Terms and Conditions and rules and regulations applicable to
JomPay and DuitNow.
3.5 In the event of any conflict or inconsistency between the Terms and Conditions
herein and the Terms and Conditions and rules and regulations governing the
JomPay and DuitNow, the latter shall prevail for purposes of interpretation and
enforcement to the extent of such conflict or inconsistency.
3.6 The rights to this Agreement may be transferred in part or in full to any company
affiliated to the Bank. The Customer’s rights or obligation under this Agreement
may not be transferred to other entity or person.
3.7 Use by the Customer of the e-Banking Service at any time, shall indicate to the
Bank the Customer's acceptance and agreement to be bound by these Terms and
Conditions.
3.8 In the event of any conflict in the interpretation of this Terms and Conditions, the
English version shall prevail.
4.1 The e-Banking Service is provided to the Customer as a mechanism which will
enable access to the financial services offered by the Bank.
4.2 The financial services available through the e-Banking Service are provided by
the Bank and may include products offered by Public Bank Berhad’s subsidiaries.
4.3 The e-Banking Service is made available to the Customer strictly on an “as is”
basis, and no warranty is made in relation to the e-Banking Service, including any
warranty in relation to its fitness for purpose, satisfactory quality or compliance
with description, and all warranties which may be implied by law or custom are
hereby excluded.
In addition, the Customer agrees that the Bank cannot ensure that the Software
will be compatible or may be used in conjunction with the Device and the
Customer agrees that the Customer shall not hold the Bank liable for any such
incompatibility or for any loss or damage to the Device which may be caused by
the Software or the installation process.
5.1 Application for subscription to the e-Banking Service shall be subject to the
Customer maintaining a valid Account with the Bank and further subject to such
eligibility criteria that the Bank shall stipulate.
5.2 The Customer shall proceed to register for the e-Banking Service online by
clicking on the ‘Register’ hyperlink available at the PBe Login page.
5.4 The Customer may change his Password, Memorable Question and/or Answer,
Personal Login Phrase and E-mail Address at any time.
5.5 The Customer shall not disclose the Password to any person and must take all
precautions and security measures to prevent unauthorised and fraudulent use of
the Customer's User ID and/or Password and the e-Banking Service by the use
thereof.
5.6 The Customer shall immediately notify his account holding branch or the Bank at
the address stated in Clause 31 below in writing in the event there is any change
to his handphone number and/or the User ID and/or if his Password has been
compromised in any manner whatsoever.
5.7 If the Customer has forgotten his Password or the Customer’s User ID has been
deactivated, the Customer may reset his Password by clicking on the ‘Reset
Password/Reactivate User ID’ hyperlink available at the PBe Login page.
The Customer shall provide his PBe User ID, ATM/Credit/Debit Card
Number or Current/Savings Account Number or Loan Account Number
or Hire Purchase Account Number and NRIC Number/Passport
Number/Armed Forces Number. Upon successful validation of the
aforesaid information, the Customer may proceed to create a new
Password, followed by authentication of the Password reset request.
The Customer shall enter the Temporary User ID and Password obtained
from any branch. Upon successful validation, the Customer is required to
create a replacement profile by providing a new User ID and Password.
The Customer shall also select a Memorable Question and provide an
answer, create a Personal Login Phrase and provide their Email Address,
followed by authentication to complete the profile replacement request.
5.8 In the case of Joint Account Holders, the mandate for operation of the account
shall be as indicated in the Bank’s prescribed account opening form. Where the
mandate for the operation of the account is either one to sign, each Joint Account
Holder will be issued a separate User ID and Password for each Joint Account
Holder's personal use. All transactions on the Account shall be binding on all the
account holders jointly and severally.
5.10 The Customer further represents, and warrants that all information and instruction
forwarded to the Bank through the e-Banking Service is correct, validly issued
and legally binding on the Customer.
5.11 The Bank and/or third party service providers shall be entitled to carry out any
instruction or transaction and/or rely on any instruction or information provided
in connection with the Customer's User ID and Password and the use of
Biometric/PAC/SecurePIN/SecurePAC as if the Customer had transacted it
and/or provided the information. The Bank shall not be liable for any loss or
damage which the Customer and/or any third party may incur.
5.12 The Customer is advised to login to the e-Banking Service, as the case may be,
on a regular basis to ensure his account(s) balances and transactions performed
are in order. Any irregularities or in consistencies in his account(s) balances or
transaction history are to be notified to the Bank immediately.
5.13 The Customer agrees that instructions or transactions received by the Bank are
irreversible when received, completed or relied upon by the Bank. Instructions
received by the Bank during Business Hours where practicable shall be effected
on the same day provided that it shall be in accordance with normal banking
practice, or such other date and/or time as the Bank may determine having regard
to the general practice of bankers.
5.14 The Bank may refuse to carry out any of the Customer's instructions or
transactions where such instructions or transactions are inconsistent with the
Bank's policy or any law or any rules or regulations to which the Bank is subject
to or for any other reason.
5.15 The Customer acknowledges that the e-Banking Service is dependent on the
connectivity and services provided by the Network Service Providers and
intermediaries engaged by the Bank. The Bank shall not be liable for non-delivery
or delayed delivery of SMS alerts/transaction alerts/push notifications, payments,
error, loss or distortion in transmission of information and instructions to/from the
Customer.
5.16 The Customer acknowledges that he/she must not use the e-Banking Service on
any device or operating system that has been modified outside the mobile device
or operating system vendor supported or warranted configurations. This includes
devices that have been freed from the limitation imposed on the original software
by the phone manufacturer or the operating system proprietary owner otherwise
called "jail-broken" or "rooted".
5.18 The Customer further acknowledges that he/she must not use the e-Banking
Service in an environment which may jeopardise the e-Banking Service’s security
features, function or the Customer’s credentials.
6. DISCLAIMERS
6.1 The Bank has taken reasonable care to ensure the accuracy of information,
materials and content given directly and exclusively by the Bank.
Notwithstanding the same, the information, materials and contents provided by
the Bank and third party service providers on the Bank’s website or the PB engage
application are provided on an "as is" basis and are of a general nature and shall
be subject to the Customer's obligation to take other independent legal or financial
advice as the Customer shall deem necessary.
6.2 The Bank, its directors, officers, employees or agents disclaim any express or
implied warranty or representation including but not limited to warranties of title,
non-infringement of intellectual property rights, usefulness, accuracy, quality of
the services or the merchantability or fitness for purpose of products of any third
party service provider transacted through the e-Banking Service.
6.3 Neither the Bank nor any other parties involved in the creation, production, or
delivery of the e-Banking Service assumes any responsibilities with respect to the
Customer's use thereof. No oral or written information or advice given by the
Bank, its agents or the Bank's employees shall create a warranty or in any way
increase the scope of this warranty and the Customer shall not rely on any such
information or advice.
6.4 The Bank shall not be responsible or liable for any loss caused or damage incurred
or suffered by the Customer or any other person as a consequence of using any
services offered.
7. DUITNOW QR SERVICE
7.1 The DuitNow QR is a service offered within PB engage and accordingly these
Terms are in addition to and shall be read in conjunction with the Terms and
Conditions Governing Public Bank Online Banking and Mobile Banking. These
Terms apply to and regulate the Customer’s use of the DuitNow QR Service
offered by the Bank. The DuitNow QR Service allows the Bank to transfer an
amount specified by the Customer from the Customer Eligible Accounts to a
Merchant or Recipient’s Account via the Merchant or Recipient’s QR.
7.3 The Customer is responsible for ensuring that the transaction amount keyed-in or
displayed on the Customer’s Mobile Application screen is correct prior to
confirming the transaction. The transaction amount keyed-in or displayed via the
Merchant or Recipient’s QR Code shall be accepted by the Bank to be correct
upon the Customer’s confirmation of the transaction. The Bank is under no
obligation whatsoever to verify that the amount paid by the Bank matches with
the Recipient’s amount.
7.4 The Bank will notify the Customer on the status of each successful, failed or
rejected DuitNow QR transaction via any of the Bank’s available communication
channels chosen by the Customer.
7.5 The Customer acknowledges and agrees the Bank shall have no duty to and shall
not be required to take any steps to verify or seek any other confirmation from
any party as to whether such Merchant or Recipient is the intended party to receive
the funds. The Bank shall not be liable for transferring the funds to such Merchant
or Recipient even if such person is not the intended party.
7.6 Pursuant to Clause 7.5 above, the Customer agrees that once a DuitNow QR
transaction is confirmed, it will be irrevocable and the Bank will not be able to
cancel, stop or perform any changes to that DuitNow QR transaction.
7.7 The Customer may perform a Cross Border QR payment from his Preferred
Account maintained with the Bank to a Foreign Merchant via scanning of the QR
codes which support Cross Border QR payment.
7.8 The Cross Border QR payment service is provided on an “as is” and “as available”
basis and may be subject to change at any time and from time to time by the Bank.
7.9 The use of the Cross Border QR payment service by the Customer is subject to a
transaction limits which may be imposed by the Bank at any time and from time
to time.
7.10 All instructions for the Cross Border QR payment service will specify the payment
amount in the currency of the country where the Customer is attempting to make
payment at. Such payment amount will be converted into Ringgit Malaysia based
on the prevailing exchange rate of the Bank when the transaction is to be
performed which will be made visible to the Customer prior to the payment
confirmation.
7.12 The Customer agrees that the Bank may, at any time, add, vary, alter, suspend or
remove any part of the Cross Border QR payment services including but not
limited to varying the countries and/or currencies acceptable to the Bank for the
Cross Border QR payment service.
7.13 The Customer agrees that the Bank may, at any time, temporarily suspend the
operations of the Cross Border QR payment service for any updating,
maintenance, upgrading, enhancement works or for any other purpose as the Bank
deems fit. The Customer further agrees that the Bank shall not be liable for any
loss, liability, damage, cost and expense arising out of or in connection with the
Customer’s use or inability to use the Cross Border QR payment service.
8. RECOVERY OF FUNDS
8.1 The Customer has rights in relation to the investigation and recovery of mistaken
payments, erroneous payments and unauthorised or fraudulent DuitNow QR
transactions made from the Customer’s Preferred Account.
8.2 Subject to Clauses 9 and 10 below, if the funds received by the Bank is in a
currency other than Ringgit Malaysia, the Customer agrees that the Bank will
convert the funds into Ringgit Malaysia based on the prevailing exchange rate of
the Bank before crediting the funds into the Customer’s Accounts.
9.1 If the Customer has made an erroneous DuitNow QR transaction, the Customer
may request for recovery of the funds within ten (10) Business Days from the date
the Erroneous Transaction was made and the Bank will work with the affected
Merchant or Recipient’s bank to return the said funds to the Customer within seven
(7) Business Days provided the following conditions are met:
9.1.1 The funds were actually wrongly credited into the affected Recipient’s
Account;
9.2.1 The affected Merchant or Recipient’s bank is fully satisfied that funds
were erroneously credited to the affected Merchant or Recipient;
9.3 If the Customer has made an erroneous DuitNow QR transaction, and requests for
recovery of funds after seven (7) months from the date the Erroneous Transaction
was made the Bank will work with the affected Merchant or Recipient’s bank to
return the said funds to the Customer subject to the following:
9.3.1 The affected Merchant or Recipient’s bank is fully satisfied that funds
were erroneously credited to the affected Recipient;
9.3.2 The affected Merchant or Recipient’s bank shall obtain from the affected
Merchant or Recipient the decision whether to grant consent within ten
(10) Business Days; and
9.3.3 Once consent is obtained, the affected Merchant or Recipient’s bank shall
debit the affected Recipient’s Account and remit the funds back to the
Customer within one (1) Business Day.
10.1 For DuitNow QR transactions which were not authorised by the Customer or
which are fraudulent, the Bank will, upon receiving a report from the Customer
alleging that an unauthorised or fraudulent DuitNow QR transaction was made,
remit the funds back to the Customer provided the following conditions are met:
10.1.1 The Bank shall conduct an investigation and determine within fourteen
(14) Calendar Days, if the unauthorised or fraudulent payment did
occur;
11.1 The Customer acknowledges and agrees that, unless expressly prohibited by law,
the Bank and the DuitNow QR Operator shall not be liable to the Customer or any
third party for any direct, indirect or consequential losses, liabilities, costs,
damages, claims, actions or proceedings of any kind whatsoever in respect to any
matter of whatsoever nature in connection with the DuitNow QR Service offered
by the Bank arising from:
11.1.2 Insufficient funds in the Customer’s Eligible Accounts for the Bank to
process the DuitNow QR transaction;
11.1.3 Where the Customer has exceeded the Bank’s daily transfer limit;
11.1.5 Any erroneous transfer of funds by the Customer, including any transfer
of funds to the wrong Merchant or Recipient or wrong third party;
11.2 The Customer shall indemnify and hold the Bank, the Bank’s affiliates, and the
DuitNow QR Operator harmless from and against any claims, proceedings,
actions, losses, damages, costs (including all legal costs on an indemnity basis),
liabilities or expenses, resulting from any negligence and/or fraudulent act which
result from the act or conduct of the Customer.
11.3 The Bank reserve the right to revise the charges for the use of the DuitNow QR
Service, upon written notice to the Customer. Such revisions shall take effect from
the date stated in the notice. Where the Customer continues to access or use the
DuitNow QR Service after such notification, the Customer shall be treated to have
agreed to and accepted such revisions to such charges.
11.5 The Customer acknowledges that the Bank has the right to change, restrict, vary,
suspend or modify these Terms by providing the Customer with twenty-one (21)
days notice in such manner as the Bank thinks fit.
11.6 The Customer consents to the collection, use and disclosure of the Customer’s
personal data (including contact details) by the Bank, the Bank’s affiliates, the
Bank’s service providers and the DuitNow QR Operator as required for the
purposes of the DuitNow QR Service.
12.1 The e-Banking Service is intended to be available twenty-four (24) hours daily,
including on holidays. However, the Customer acknowledges that at certain times
the services may not be accessible due to system maintenance or other reasons or
causes which are beyond the control of the Bank. The Customer acknowledges
that notwithstanding any provisions herein the Bank does not warrant that the
services will be available at all times without interruption.
12.2 In the event that any or all of the e-Banking Service are not accessible for whatever
reasons, the Customer agrees to use alternative means, including but not limited to
the automated teller machine or at a branch of the Bank, to issue such instructions
as shall be desired by the Customer at the material time.
13.1 The Customer agrees and accepts that the Bank is entitled to set such limits and
conditions to all the transactions performed by the Customer through the
e-Banking Service. The Customer further agrees and accepts that the Customer's
transactions inclusive of funds transfers (except as provided in Clause 15 below)
is limited to such maximum daily limit that may be imposed by the Bank. The
Customer shall ensure that the limit shall be observed.
13.2 Subject always to the Bank's right of set-off as herein referred the Bank shall not
be obliged to execute or give effect to any instructions given or transactions
performed by the Customer unless the Customer's Account has sufficient available
funds. The Bank's right of set-off may be exercised by the Bank and any
transactions performed and/or instructions given by the Customer may be
performed in such order as the Bank thinks fit.
13.4 The Bank does not warrant or represent that the information including details of
the Customer's Account as relayed through the e-Banking Service is a true and
accurate representation or conclusive evidence of the state of the account. The
Customer understands and agrees that details of the Account as relayed above may
not be current or up to date as there may be transactions performed and/or
instructions given by the Customer pending processing by the Bank at the material
time.
13.5 A Statement of Account duly certified by an authorised officer of the Bank shall
be final and conclusive and shall be binding on the Customer as evidence of all
transactions carried out on the Customer's instructions.
14. PAYMENT (INCLUDING JomPAY, PAY BILLS, PAY LOAN/ FINANCING, PAY
CARDS, PREPAID TOP-UP AND DUITNOW QR)
14.1 The Bank may at any time, withdraw any Payee Corporation from the Bank's list
of Payee Corporations. The Customer agrees that the Bank shall not be liable for
any loss or damage which the Customer may suffer as a result of the Bank's
actions.
14.2 The Customer shall adhere to the Terms and Conditions of each Payee Corporation
with regard to settling of the respective bills.
14.3 The Customer shall allow at least three (3) days for receipt of payment by the
Payee Corporation.
14.4 The Customer agrees and accepts that the limit for such Bill Payment and JomPAY
is limited as provided in Clause 13 above.
14.5 The Customer acknowledges and consents that where the e-Banking Service is
used to effect bill payments to the Payee Corporations, the information provided
by the Customer to effect the said payment will be disclosed to the Payee
Corporation for purposes of affecting the Customer’s payment. The Customer’s
consent for disclosure of information to the Payee Corporation will be stored and
will remain valid until revoked by the Customer.
15.1 Transactions of fund transfers where the Customer is transferring funds between
the Customer's own accounts maintained with the Bank, such transfer is subject to
a maximum daily limit as stipulated in Clause 13 above.
15.2 Fund Transfer instructions where the Customer is transferring funds to a third party
account maintained with the Bank or any account with any other bank such transfer
shall be subject to such maximum daily limit and conditions as are imposed and/or
revised by the Bank or relevant authorities.
15.3 Where the Customer transfers funds to a third party account ("the payee") as
aforesaid in Clause 15.2 above, the Customer hereby confirms to the Bank that the
Customer has obtained the payee's consent and approval to disclose to the Bank
the payee's mobile phone number and/or e-mail address, which mobile phone
number and/or e-mail will be used by the Bank as instructed by the Customer to
notify the payee that the payee's account has been credited or a fund transfer has
been effected to the payee's account.
16.1 In addition to and not in derogation of express provisions in the Terms and
Conditions herein, the Bank shall not be responsible or liable for any damage
(whether special or consequential), loss, embarrassment, goodwill expenses or loss
of profit incurred or suffered by the Customer by reason of or in connection with
the followings:
16.1.3 Access, use or inability to access or use the e-Banking Service and/or
any other website linked to the e-Banking Service;
16.1.7 Failure or delay in the execution of any of the Bank's obligations due to
any cause beyond the control of the Bank including but not limited to
governmental directive of Malaysia or any other country, pandemic or
causes such as strikes, industrial action, civil disturbances, flood,
earthquake, landslides of Acts of God or computer, electronic,
communications or electrical system failures of any nature whatsoever,
malfunction or breakdown, or the interruption, non-supply, breakdown
or failure in supply of electricity or power for any length of time;
16.1.11 The Bank acting on instruction transmitted with the use of the
Customer's User ID and Password;
17.2 The Bank may display and use external parties logo for the purpose of promoting
the Bank’s own services and/or products.
17.3 The Customer understands that the e-Banking Service, or the Bank’s website shall
not be used for any purpose which is unlawful, abusive, libelous, obscene, or
threatening nor shall it be used in contravention of any law or regulatory
requirements.
18. LINKS
18.1 The Customer understands that the Bank may include hyperlinks from or to the
e-Banking Service that are owned or operated by third parties not under the control
of the Bank and/or the PBB Group.
18.2 By providing hyperlinks within the e-Banking Service, the Bank does not endorse
and is not responsible for any linked website and disclaims any liability for the
privacy practices or the content of these linked websites. The Customer
understands and acknowledges the necessity to review the intended link’s Terms
and Conditions, policy and any other corresponding documents to understand the
effect of the third party content or services prior to its usage.
18.3 Any person who links to the e-Banking Service without the express written consent
of the authorised person of Public Bank Berhad shall be liable for any claim arising
out of such unauthorised linking.
19.1 The Customer hereby agrees and undertakes to pay to the Bank all such service or
transaction charges which the Bank may impose in respect of or in connection with
the e-Banking Service, and such service or transaction charges shall be debited
from the Customer's Eligible Account as and when the same is incurred. All such
service fees or transactional charges payable shall be inclusive of applicable
tax(es).
20.1 The Customer hereby agrees that the Bank may at any time with seven (7) calendar
days prior written notice recover from the Customer by way of set-off any monies
owing to the Bank as a result of or incidental to the transactions executed through
the e-Banking Service.
21.1 The Customer shall, at his own cost and expense, be responsible for the purchase,
cost, installation, maintenance use and repairs (if any) of the Device or other
telecommunication equipment and software ("the Equipment") necessary for the
Customer to access the Internet and to the e-Banking Service. The Equipment shall
be in accordance with the specifications, if any, prescribed by the Bank.
21.2 The Customer shall be responsible for all telecommunication charges incurred
including such subscription charges, fees and other charges imposed by the
Network Service Provider and any other third parties.
22. DISCLOSURE
22.1 In order to provide the Customer with the wide range of financial products and
services offered by the Bank and/or the PBB Group on the Internet, it is necessary
for information about the Customer to be made known or available through the
Internet to each company in the PBB Group and to the PBB Group's agents,
suppliers, vendors and service companies that provide support or services for the
Bank's and/or PBB Group's products and services. Customer's information will not
be provided to third parties for purposes other than the above and only such
information as is required will be provided.
22.2 If the Customer does not agree to the Bank revealing or divulging the information
provided by the Customer within the PBB Group and to the PBB Group's agents,
suppliers, vendors and service companies, the Customer shall write in to the Bank
at the address below:
22.4 Whilst the Bank is committed to take reasonable care and use its best endeavours
to ensure that information transmitted and received is secure, the Customer
acknowledges the risks involved in using the Internet.
23. TERMINATION
23.1 Notwithstanding anything herein to the contrary, the Bank may suspend or
terminate the Customer's right of access to the e-Banking Service or any portion
thereof notice.
23.3 The Customer may terminate the Customer's use of and access to the e-Banking
Service by giving prior written notice to the Bank. The e-Banking Service to the
Customer will be cancelled within seven (7) days from the date of the Bank's
receipt of the said notice of termination. The Customer hereby agrees not to use
the e-Banking Service with effect from the date of the Customer's termination
notice and further agrees that the Bank shall not be obliged to effect any of the
Customer's instructions received on any day falling after the receipt of the
Customer's notice of termination.
23.4 In the case of Joint Accounts, each and every one of the Joint Account Holders
agree that the termination of the e-Banking Service may be given by any one of
the authorised signatory of the Joint Account.
23.5 The Customer acknowledges that termination will not affect the Customer's
liability or obligations in respect of instructions already processed and/or effected
by the Bank on the Customer's behalf.
24. EVIDENCE
24.1 All records kept by the Bank in whatever form, shall be final and conclusive
evidence against the Customer of the contents of the Instructions.
24.2 The Customer agrees that all Instructions transmitted by the Device or otherwise
issued by the Customer, in electronic form:
24.2.1 Are written documents, and the Customer agrees not to dispute or
challenge the validity or enforceability of any Instruction on the grounds
that it is not a written document; and
24.2.2 Are original documents and the Customer agrees not to challenge the
admissibility of any Instruction on the grounds that it is made in electronic
form.
25.1 Where the Customer has agreed to receive a tax/payment invoice electronically,
the Customer confirms that the Customer shall retain such documents in readable
and encrypted form for a period of seven (7) years from the date of the supply or
for such other period as may be prescribed by the Director General of Customs
and Exercise or by law. The Customer further acknowledges and agrees that the
Customer shall have access to the necessary codes or other means to enable
Customs auditors or such other authorized persons to compare the documents in
readable form with those in encrypted form. The Customer agrees that where the
Bank has made available a tax/payment invoice online or electronically the Bank
will not issue a tax/payment invoice in paper form.
26.1 The Customer hereby acknowledges the strict requirement of confidentiality and
obligations imposed upon Public Bank Berhad under the Financial Services Act
2013 or Public Islamic Bank Berhad under the Islamic Financial Services Act
2013, as the case may be, and undertakes not to do or cause to be done any act or
omission which may cause the Public Bank Berhad or Public Islamic Bank Berhad
to breach its strict duty of confidentiality and obligations as aforesaid. The
obligations on the Customer herein shall survive the termination and/or expiry of
the Terms and Conditions herein.
26.2 In the event the Customer receives any material or data containing information
where the Customer is not the intended recipient, the Customer is hereby put on
notice that any use, dissemination, distribution or copying of the material or data
is prohibited and subject to legal privilege. The Customer agrees to delete such
material or data and further agrees to notify the Bank by telephone immediately.
27.1 The Customer agrees to indemnify and keep the Bank fully indemnified against
any and/or all liabilities, losses, damages, penalties, actions, judgments, costs,
expenses or disbursements of any kind whatsoever which may be imposed on,
incurred by or asserted against the Bank in respect of any statement,
representation, communication, act and/or omission in any way relating to or
arising out of the negligence of or willful misconduct of or breach of or any
omission, delay, default or failure of the Customer's obligations under the Terms
and Conditions as provided herein or howsoever caused by the Customer and/or
any of its officers or employees in the performance of its obligations under the
Terms and Conditions.
27.2 The Customer further agrees that the Bank shall not be liable to the Customer for
and with respect to any third party (including but not limited to the payee referred
to in Clause 15.3 above) claim and the Customer shall indemnify and hold the
Bank harmless from and against any liability, claim, loss, damage or expense of
any kind (including strict liability in tort) relating to or arising out of third party
rights or the payee as aforementioned and the infringement thereof.
27.3 The Customer undertakes to indemnify the Bank for any breach of secrecy and
any consequences arising therefrom, which shall include any unauthorised or
unlawful access to the information by any third party employing any means
whatsoever.
27.4 The Bank shall not be responsible for fraudulent or unauthorised instructions, or
any loss (including consequential loss), damage or liability whatsoever suffered
and/or incurred by the Customer unless arising through the negligence or willful
default of the Bank.
27.5 The Customer's obligations herein shall survive the termination of any of the
services to the Customer by either party.
28. WAIVER
28.1 No failure or delay on the part of the Bank in exercising nor any omission to
exercise any right, power, privilege or remedy provided in the Terms and
Conditions shall constitute a waiver or acquiescence of such default which shall
affect or impair any right, power, privilege or remedy herein.
29. SEVERABILITY
29.1 If any of the Terms and Conditions become invalid, illegal, or unenforceable
pursuant to any law, then the validity, legality and unenforceability of the
remaining provisions shall not in any way be affected or impaired.
30.1 The Bank reserves the right to change, amend, delete or add to any of these Terms
and Conditions with at least twenty-one (21) calendar days prior notice by placing
a push notification to the e-Banking Service, as the case may be, displaying the
notice at the Bank’s website or the Bank's premises or sending the notice to the
Customer at the Customer's last known address in the Bank's records.
Notwithstanding the same, the Customer should be able to view the revised Terms
and Conditions upon access to the Bank’s website and use of the services thereafter
shall constitute the Customer's acceptance to the change, amendment, deletion or
addition.
31. NOTICES
31.1 The Customer hereby consents to all notices and other communications which
concern the e-Banking Service or are required under the Terms and Conditions or
may be given by the Bank in any one of the following manners:
31.1.1 By ordinary post to the Customer's last known address in the Bank's
records and such notification shall be received two (2) days after posting;
31.1.2 By electronic mail to the Customer's last known e-mail address in the
Bank's records and such notification shall be agreed as received twenty-
four (24) hours after sending;
31.1.3 By display in the Bank's business premises and such notification shall be
effective upon such display;
31.1.6 Broadcasting a message on the Bank’s Digital Channel such as SMS, PBe
or PB engage; and /or
32.1 The use of the e-Banking Service and the Terms and Conditions herein shall be
governed by and construed in accordance with the laws of Malaysia and the parties
hereby submit to the exclusive jurisdiction of the Courts of Malaysia
notwithstanding that the e-Banking Service may be accessed in other jurisdictions
and not restricted to Malaysia.
32.2 The use of the e-Banking Service outside of Malaysia is subject to the Financial
Services Act 2013 or the Islamic Financial Services Act 2013, as the case may be,
and the Foreign Exchange Administration Rules, any fiscal or exchange control
requirements or regulations operating in the country where the transaction is
effected or requested.
32.3 The maximum amount of a transaction and the purpose for which it is effected
may be determined by Central Bank of Malaysia and the laws and regulations of
the country in which the transaction is effected or requested.
32.4 The Customer hereby agrees that the Customer shall be solely responsible for the
compliance with all laws applicable to the Customer in the Customer's jurisdiction
in respect of the use of the e-Banking Service.
33.1 The Terms and Conditions herein shall be binding upon the heirs, personal
representatives, executors and successors in title of the Customer and on the
successors in title and assigns of the Bank or on any company by which the
business of the Bank may for the time being be carried on, and the Customer shall
not be entitled to assign any of the Customer's rights or obligations under the
Terms and Conditions herein unless with the express prior written consent of the
Bank.
34.1 The Customer hereby acknowledges that the Bank shall not be responsible for any
fraudulent or unauthorised instructions, or any loss (including consequential loss),
damage or liability whatsoever suffered and/or incurred by the Customer in the
event that:
(ii) To take responsible preventive steps to update and protect the Customer's
Device and smart devices to ensure that they are malware/virus free;
(iii) To take responsible steps to ensure that the Customer changes the
Customer's password, checks his banking information and balances
periodically and to keep his sensitive banking information and security
devices and the Device secure at all times;
(v) To furnish the Bank with an official Malaysian police report as soon as
possible after reporting the breach of security to the Bank; and/or
(vi) To provide the Bank with the following information, either verbally or in
writing, with respect to the disputed transaction(s): Customer’s name, the
affected account, the date and amount of the disputed transaction and
reason why the Customer believes that it is a disputed transaction.
34.2 The Bank shall work with the relevant authorities and reserves the right to institute
legal action against the Customer who delays, obstructs and/or withholds vital
information from the Bank, publishes false claims on traditional or social media
and/or lodges false police reports with respect to any transaction performed or
purported to be performed through the e-Banking Service.
35.1 The Bank has implemented its Anti-Bribery and Anti-Corruption Policy which
adopts a “zero-tolerance approach” towards any form of bribery and corruption in
conducting its business. For more information, the Customer is advised to visit the
Bank’s website https://www.publicbankgroup.com/About-Us/Board-Of-Directors/
Anti-Bribery-and-Anti-Corruption-Policy. The Bank reserves the right to terminate
this Agreement forthwith in the event the Customer or any of its officers or agents
are found to be involved in any acts of bribery or corrupt practices.
NOTIS:
Perbankan Dalam Talian dan Perbankan Mudah alih (“secara individu dan kolektif dirujuk
sebagai Perkhidmatan e-Perbankan”) membolehkan komunikasi dan interaksi antara Public
Bank Berhad atau Public Islamic Bank Berhad (“Bank”) dengan Pelanggan.
Akses atau penggunaan Perkhidmatan e-Perbankan oleh Pelanggan adalah atas risiko dan
inisiatif Pelanggan itu sendiri. Pelanggan bertanggungjawab untuk mematuhi semua undang-
undang yang berkaitan.
1. AM
2.1 Dalam Terma dan Syarat ini, perkataan dan ungkapan berikut hendaklah
mempunyai maksud yang berikut:
a. “Akaun” bermaksud satu atau lebih daripada satu Akaun Simpanan, Akaun
Semasa, Kad Kredit, Pinjaman/Pembiayaan, Pelaburan atau apa-apa akaun
lain dengan bank yang boleh diakses melalui Perkhidmatan e-Perbankan
seperti yang ditentukan oleh Bank.
j. “Pelanggan” bermaksud:
(i) Individu atau orang atau entiti korporat yang Akaunnya disenggara di
Bank di bawah namanya/nama mereka dan yang kepadanya Bank
bersetuju untuk menyediakan Perkhidmatan e-Perbankan dan mana yang
berkenaan, pengganti dari segi hak atau wakil sah Pelanggan berkenaan;
atau
(ii) Pelanggan Bank yang sah yang memuat turun aplikasi PB engage.
(i) Bagi Pelanggan individu, akaun individu dalam nama seorang Pelanggan
sahaja atau bagi akaun bersama, akaun yang disenggara oleh Pelanggan
dengan seorang lagi dan yang mandat bagi pengendalian akaun bersama
itu ialah “salah seorang yang menandatangani”; atau
(ii) Bagi Pelanggan Korporat, akaun yang Orang yang Dilantik dibenarkan
oleh Pelanggan Korporat untuk mengakses dan menggunakan
Perkhidmatan PBe untuk dan bagi pihak Pelanggan Korporat berkenaan,
w. “Peranti Mudah alih” bermaksud telefon mudah alih, telefon pintar, tablet
atau peranti komunikasi lain yang digunakan untuk mengakses
Perkhidmatan e-Perbankan.
bb. “PB engage” bermaksud “Aplikasi Mudah alih” dalam ini yang
ditakrifkan sebagai aplikasi perisian yang disediakan untuk dimuat turun
melalui Apple App Store atau Google Play Store.
cc. “PB SecureSign” bermaksud token digital yang terdapat dalam aplikasi
PB engage menggunakan OneSpan Mobile Security Suite yang
dibekalkan oleh OneSpan Asia Pacific Pte Ltd yang membolehkan
tandatangan digital dan kelulusan suatu urus niaga oleh Pelanggan.
ff. “Kod QR” bermaksud kod bar dua dimensi yang boleh dibaca
menggunakan kamera telefon pintar atau peranti mudah alih yang
dilengkapi dengan pembaca QR.
jj. “Ringgit Malaysia” atau “RM” bermaksud mata wang Malaysia yang
sah.
oo. “Terma dan Syarat” bermaksud Terma dan Syarat yang mengawal
penggunaan Perkhidmatan e-Perbankan.
2.2 Perkataan yang mempunyai maksud mufrad hendaklah termasuk jamak dan
sebaliknya.
2.3 Perkataan yang membawa maksud gender maskulin hendaklah termasuk gender
feminin dan gender neuter dan sebaliknya.
2.4 Apa-apa terma perbankan yang tidak ditakrifkan atau dinyatakan secara khusus
dalam ini hendaklah ditafsirkan menurut amalan am bank-bank dan institusi-
institusi kewangan di Malaysia. Apa-apa terma yang berkaitan dengan teknologi
komputer yang tidak ditakrifkan atau dinyatakan secara khusus dalam ini
hendaklah ditafsirkan menurut amalan am dan industri teknologi maklumat di
Malaysia.
2.5 Sekiranya dua (2) atau lebih orang atau pihak yang termasuk dalam penyataan
"Pelanggan", perjanjian, waad, penetapan, aku janji, Terma dan Syarat yang
dinyatakan sebagai dibuat oleh dan bagi pihak Pelanggan dalam ini hendaklah
dianggap dan difahami sebagai dibuat oleh orang atau pihak berkenaan secara
bersama dan bersesama.
3. PERJANJIAN
3.1 Terma dan Syarat dalam ini dan semua tambahan, pindaan dan perubahan padanya
hendaklah secara kolektif membentuk perjanjian antara Pelanggan dengan Bank
("Perjanjian”).
3.2 Terma dan Syarat ini dijalankan menurut Terma dan Syarat berkenaan serta
peraturan yang diterima pakai untuk Akaun tersebut.
3.3 Sekiranya terdapat pertikaian atau ketidakseragaman antara Terma dan Syarat di
dalam ini dengan Terma dan Syarat serta peraturan yang mengawal Akaun
berkenaan, Terma dan Syarat serta peraturan tersebut akan diterima pakai bagi
tujuan tafsiran dan penguatkuasaan sehingga setakat mana percanggahan dan
ketidakseragaman berkenaan.
3.4 Selain di atas, Terma dan Syarat ini dijalankan menurut Terma dan Syarat serta
peraturan yang diterima pakai pada JomPAY dan DuitNow.
3.6 Hak terhadap Perjanjian ini boleh dipindahkan sebahagiannya atau sepenuhnya
kepada mana-mana syarikat yang bergabung dengan Bank. Hak atau obligasi
Pelanggan menurut Perjanjian ini tidak boleh dipindahkan kepada entiti atau
orang lain.
3.7 Pengunaan Perkhidmatan e-Perbankan oleh Pelanggan pada bila-bila masa, akan
menandakan kepada Bank penerimaan dan persetujuan Pelanggan yang perlu
dipatuhi oleh Terma dan Syarat ini.
3.8 Sekiranya terdapat percanggahan dalam takrifan Terma dan Syarat ini, versi
Bahasa Inggeris akan diterima pakai.
Selain itu, Pelanggan bersetuju bahawa Bank tidak dapat memastikan bahawa
Perisian berkenaan sesuai atau boleh digunakan bersama-sama dengan Peranti dan
Pelanggan bersetuju bahawa Pelanggan tidak boleh mempertanggungjawabkan
Bank bagi apa-apa ketidaksesuaian atau kehilangan atau kerosakan pada Peranti
tersebut yang mungkin disebabkan oleh Perisian atau proses pemasangan.
5.2 Pelanggan akan mendaftar untuk Perkhidmatan e-Perbankan dalam talian dengan
menekan pautan hiper “Daftar” yang terdapat pada halaman Log masuk PBe.
5.3 Apabila pendaftaran berjaya dibuat, Pelanggan boleh meneruskan untuk log
masuk dalam Perkhidmatan e-Perbankan menggunakan User ID dan Kata Laluan
baharu itu.
5.4 Pelanggan boleh menukar Kata Laluan, Soalan Dapat Diingati dan/atau Jawapan,
Frasa Log masuk Peribadi dan Alamat E-mel pada bila-bila masa.
5.5 Pelanggan tidak boleh mendedahkan Kata Laluan kepada mana-mana orang dan
mesti mengambil semua langkah berjaga-jaga dan keselamatan yang perlu bagi
mengelakkan User ID dan Kata Laluan Pelanggan serta Perkhidmatan
e-Perbankan digunakan tanpa kebenaran atau secara penipuan.
5.8 Bagi Pemegang Akaun Bersama, mandat bagi pengendalian akaun itu hendaklah
dinyatakan dalam borang pembukaan akaun yang ditetapkan oleh Bank.
Sekiranya mandat bagi pengendalian akaun ialah salah seorang menandatangani,
setiap seorang Pemegang Akaun Bersama akan diberi User ID dan Kata Laluan
yang berasingan untuk kegunaan masing-masing. Semua urus niaga bagi Akaun
tersebut mengikat semua pemegang akaun secara bersama dan bersesama.
5.9 Akses oleh Pelanggan kepada Perkhidmatan e-Perbankan akan diaktifkan dan
semua arahan dan urus niaga yang dikeluarkan selepas itu hendaklah diatributkan
kepada Pelanggan selepas log masuk User ID dan Kata Laluan berjaya dibuat dan
penggunaan Biometrik/PAC/SecurePIN/SecurePAC, mengikut keadaannya.
5.10 Pelanggan selanjutnya mewakilkan, dan menjamin bahawa semua maklumat dan
arahan yang dikemukakan kepada Bank melalui Perkhidmatan e-Perbankan ini
adalah betul, dikeluarkan secara sah dan mengikat kepada Pelanggan dari segi
undang-undang.
5.11 Bank dan/atau penyedia perkhidmatan pihak ketiga berhak untuk melaksanakan arahan
atau urus niaga dan/atau bergantung kepada arahan atau maklumat yang disediakan
berkaitan dengan User ID dan Kata Laluan Pelanggan dan penggunaan Biometrik/
PAC/SecurePIN/SecurePAC seolah-olah Pelanggan telah membuat urus niaga itu
dan/atau memberikan maklumat. Bank tidak akan dipertanggungjawabkan bagi apa-
apa kerugian atau ganti rugi yang Pelanggan dan/atau pihak ketiga mungkin tanggung.
5.13 Pelanggan bersetuju bahawa arahan atau urus niaga yang diterima oleh Bank tidak
boleh ditarik balik apabila diterima, diselesaikan oleh Bank atau sekiranya Bank
bergantung kepadanya. Arahan yang diterima oleh Bank semasa Waktu
Perniagaan mana yang munasabah akan dikuatkuasakan pada hari yang sama
dengan syarat waktu tersebut mengikut amalan perbankan biasa, atau pada tarikh
dan/atau waktu lain seperti mana yang Bank akan tentukan dengan mengambil
kira amalan biasa jurubank.
5.14 Bank boleh menolak untuk melaksanakan apa-apa arahan atau urus niaga
Pelanggan sekiranya arahan atau urus niaga itu tidak konsisten dengan dasar Bank
atau undang-undang atau peraturan yang Bank tertakluk padanya atau oleh sebab
yang lain.
5.17 Pelanggan memahami bahawa beliau mesti memuat turun aplikasi PB engage
daripada Apple App Store atau Google Play Store dan tidak akan memasang
Aplikasi Mudah alih melalui pihak ketiga atau perkhidmatan yang tidak
ditawarkan oleh sistem operasi Peranti Mudah alih mereka.
6.3 Tiada satupun pihak sama ada Bank atau mana-mana pihak lain yang terlibat
dalam penghasilan, penyediaan atau penyampaian Perkhidmatan e-Perbankan
perlu mengambil apa-apa tanggungjawab berkenaan dengan kegunaan Pelanggan.
Tiada maklumat atau makluman secara lisan atau bertulis diberi oleh Bank,
ejennya atau kakitangan Bank yang boleh mewujudkan jaminan atau dalam apa
juga cara meningkatkan skop jaminan ini, dan Pelanggan tidak boleh bergantung
pada maklumat atau makluman sedemikian.
7. PERKHIDMATAN DUITNOW QR
7.2 Sekiranya Pelanggan mahu menghantar dana melalui DuitNow QR, Pelanggan
mula-mula sekali perlu memuat turun dan memasang Aplikasi Mudah alih PB
engage pada Peranti Mudah alih Pelanggan dan memilih Akaun yang Layak untuk
digunakan oleh Bank untuk potongan dana bagi bayaran yang dibuat melalui
DuitNow QR (“Akaun Pilihan”).
7.4 Pihak Bank akan memaklumkan kepada Pelanggan mengenai status urus niaga
DuitNow QR yang berjaya, gagal atau ditolak melalui mana-mana saluran
komunikasi Bank yang sedia ada yang dipilih oleh Pelanggan.
7.5 Pelanggan mengakui dan bersetuju bahawa Bank tidak akan bertanggungjawab
dan tidak perlu mengambil apa-apa langkah untuk mengesahkan atau
mendapatkan pengesahan daripada mana-mana pihak bahawa Saudagar atau
Penerima adalah pihak yang dimaksudkan untuk menerima dana tersebut. Bank
tidak akan dipertanggungjawabkan untuk memindahkan dana itu kepada
Saudagar atau Penerima walaupun orang yang dimaksudkan bukan pihak yang
dimaksudkan.
7.6 Menurut Perkara 7.5 di atas, Pelanggan bersetuju bahawa sebaik sahaja urus niaga
DuitNow QR disahkan, urus niaga itu tidak boleh ditarik balik dan pihak Bank
tidak boleh membatalkan, menghentikan atau membuat apa-apa perubahan pada
urus niaga DuitNow QR tersebut.
7.7 Pelanggan boleh membuat bayaran Cross Border QR daripada Akaun Pilihannya
yang disenggara dengan Bank kepada Saudagar Asing dengan membuat imbasan
pada kod QR yang menyokong bayaran Cross Border QR.
7.8 Perkhidmatan Cross Border QR disediakan atas dasar “seperti sedia ada” dan
“seperti yang ada” dan boleh diubah pada bila-bila masa dan dari semasa ke
semasa oleh Bank.
7.9 Penggunaan bayaran Cross Border QR oleh Pelanggan tertakluk pada had urus
niaga yang boleh dikenakan oleh Bank pada bila-bila masa dan dari semasa ke
semasa.
7.10 Semua arahan bagi perkhidmatan bayaran Cross Border QR akan memperincikan
amaun bayaran dalam mata wang negara di mana Pelanggan cuba membuat
bayaran. Amaun bayaran tersebut akan ditukarkan dalam Ringgit Malaysia
berdasarkan kadar pertukaran semasa Bank semasa urus niaga itu hendak dibuat
yang akan ditunjukkan kepada Pelanggan sebelum bayaran tersebut disahkan.
7.11 Pelanggan mengaku bahawa Bank tidak boleh menjamin waktu bila bayaran akan
diterima oleh bank penerima Saudagar Asing berkenaan.
7.13 Pelanggan bersetuju bahawa Bank, boleh pada bila-bila masa, menangguhkan
sementara operasi perkhidmatan bayaran Cross Border QR untuk kerja-kerja
pengemaskinian, penyenggaraan, menaik taraf atau apa-apa tujuan lain
sebagaimana yang Bank anggap sesuai. Pelanggan seterusnya bersetuju bahawa
Bank tidak akan dipertanggungjawabkan bagi apa-apa kerugian, liabiliti, ganti
rugi, kos dan perbelanjaan berikutan atau berkaitan dengan penggunaan atau
kegagalan oleh Pelanggan untuk menggunakan perkhidmatan bayaran Cross
Border QR tersebut.
8.1 Pelanggan mempunyai hak berkaitan dengan penyiasatan dan mendapatkan balik
bayaran yang silap, bayaran yang salah dan urus niaga DuitNow QR yang tidak
dibenarkan atau yang berunsur penipuan yang dibuat daripada Akaun yang Layak
milik Pelanggan.
8.2 Tertakluk pada Perkara 9 dan Perkara 10 di bawah, sekiranya dana yang diterima
oleh Bank adalah dalam mata wang selain daripada Ringgit Malaysia, Pelanggan
bersetuju bahawa Bank akan menukar dana tersebut dalam Ringgit Malaysia
berdasarkan kadar pertukaran semasa Bank sebelum mengkreditkannya dalam
akaun Pelanggan.
9.1.2 Baki dalam akaun Saudagar atau akaun Penerima yang berkenaan
mencukupi untuk menampung dana yang silap dikreditkan;
9.2.1 Saudagar yang berkenaan atau bank Penerima berpuas hati sepenuhnya
bahawa dana tersebut silap dikreditkan kepada Penerima yang berkenaan;
9.3 Sekiranya Pelanggan silap membuat urus niaga DuitNow, dan memohon untuk
mendapatkan balik dana antara tujuh (7) bulan dari tarikh Urus niaga Silap itu
dibuat, Bank akan bekerjasama dengan Saudagar yang berkenaan atau bank
Penerima untuk memulangkan dana itu kepada Pelanggan tertakluk pada yang
berikut:
9.3.1 Saudagar yang berkenaan atau bank Penerima berpuas hati bahawa dana
itu silap dikreditkan kepada Penerima yang berkenaan;
9.3.3 Sebaik sahaja keizinan diperoleh, Saudagar yang berkenaan dan bank
Penerima akan mendebitkan Akaun Penerima yang berkenaan dan
mengirim dana itu semula kepada Pelanggan dalam tempoh satu (1) Hari
Perniagaan.
10.1 Bagi urus niaga DuitNow QR yang tidak dibenarkan oleh Pelanggan atau yang
berunsur penipuan, pihak Bank akan, apabila menerima laporan daripada
Pelanggan yang mendakwa bahawa urus niaga DuitNow QR yang tidak
dibenarkan atau berunsur penipuan telah dibuat, mengirimkan dana itu semula
kepada Pelanggan sekiranya syarat-syarat yang berikut dipenuhi:
10.1.2 Sekiranya pihak Bank berpuas hati bahawa bayaran yang tidak
dibenarkan atau berunsur penipuan itu benar-benar berlaku dan
bukannya disebabkan oleh Pelanggan, Bank akan memulakan proses
pemulangan balik yang mana semua debit yang dihantar dalam akaun
Pelanggan berikutan Arahan Pembayaran yang tidak dibenarkan atau
berunsur penipuan itu akan berbalik.
11.1 Pelanggan mengakui dan bersetuju bahawa, kecuali dilarang secara nyata oleh
undang-undang, pihak Bank dan Pengendali DuitNow QR tidak
bertanggungjawab kepada Pelanggan atau mana-mana pihak ketiga bagi apa-apa
kerugian langsung, tidak langsung atau berbangkit, liabiliti, kos, ganti rugi,
tuntutan, tindakan atau prosiding dalam apa juga bentuk berkenaan dengan
Perkhidmatan DuitNow QR yang ditawarkan oleh Bank disebabkan oleh:
11.1.1 Kecuaian, salah laku atau pelanggaran oleh Pelanggan akan Terma ini;
11.1.2 Dana yang tidak mencukupi dalam Akaun yang Layak milik Pelanggan
untuk Bank memproses urus niaga DuitNow QR;
11.1.4 Apa-apa arahan pembayaran yang diberi atau dikatakan diberi oleh
Pelanggan;
11.1.5 Apa-apa pindahan dana yang silap oleh Pelanggan, termasuk pindahan
dana kepada Saudagar atau Penerima yang silap atau pihak ketiga yang
salah;
11.3 Pihak Bank berhak untuk menyemak semula caj bagi penggunaan perkhidmatan
DuitNow QR, setelah memberi notis bertulis kepada Pelanggan. Semakan tersebut
akan berkuat kuasa pada tarikh yang tertera pada notis. Sekiranya Pelanggan
meneruskan akses atau menggunakan perkhidmatan DuitNow QR selepas
notifikasi tersebut, Pelanggan akan dianggap sebagai bersetuju dan menerima
semakan semula caj tersebut.
11.5 Pelanggan mengakui bahawa Bank mempunyai hak untuk menukar, mengehad,
mengubah, mengantung atau mengubah suai Terma ini dengan memberi
Pelanggan notis dalam tempoh dua puluh satu (21) hari dengan cara yang
difikirkan sesuai oleh Bank.
12.1 Perkhidmatan e-Perbankan bertujuan untuk disediakan dua puluh empat (24) jam
sehari, termasuk pada hari cuti. Bagaimanapun, Pelanggan mengakui bahawa
pada waktu tertentu perkhidmatan tersebut tidak dapat diakses disebabkan oleh
penyelenggaraan sistem atau sebab-sebab lain di luar kawalan Bank. Pelanggan
mengakui bahawa walau apa pun peruntukan dalam ini Bank tidak menjamin
bahawa Perkhidmatan akan disediakan sepanjang masa tanpa gangguan.
12.2 Sekiranya mana-mana atau semua Perkhidmatan e-Perbankan tidak dapat diakses
atas apa juga sebab, Pelanggan bersetuju untuk menggunakan cara alternatif,
termasuk tetapi tidak terhad pada mesin teler automatik atau di cawangan Bank,
untuk mengeluarkan arahan sedemikian sebagaimana yang dikehendaki oleh
Pelanggan pada waktu berkenaan.
13.1 Pelanggan bersetuju dan menerima bahawa Bank berhak untuk menetapkan had
dan syarat bagi semua urus niaga yang dibuat oleh Pelanggan melalui
Perkhidmatan e-Perbankan. Pelanggan selanjutnya bersetuju dan menerima
bahawa urus niaga Pelanggan termasuk pindahan dana (melainkan yang
dinyatakan dalam Perkara 15 di bawah) terhad pada had harian maksimum yang
mungkin dikenakan oleh Bank. Pelanggan hendaklah memastikan bahawa had
tersebut dipatuhi.
13.2 Tertakluk sentiasa kepada hak Bank untuk menolak selesai sebagaimana yang
dirujukkan di dalam ini, Bank tidak berkewajipan untuk melaksanakan atau
membenarkan apa-apa arahan yang diberi atau urus niaga yang dijalankan oleh
Pelanggan melainkan Akaun Pelanggan mempunyai dana yang mencukupi. Hak
Bank untuk menolak selesai pelaksanaannya oleh Bank dan apa-apa urus niaga
yang dijalankan dan/atau arahan yang diberikan oleh Pelanggan boleh
dilaksanakan sebagaimana yang Bank anggap wajar.
13.3 Sekiranya Akaun Pelanggan terlebih dikeluarkan untuk apa juga sebab termasuk
pelaksanaan oleh Bank akan haknya untuk menolak selesai atau disebabkan oleh
Bank melaksanakan arahan Pelanggan, Pelanggan hendaklah apabila diminta
membayar kepada Bank amaun wang yang terlebih dikeluarkan itu dengan caj
untuknya pada kadar caj yang Bank tentukan dan sehingga pembayaran dibuat,
Pelanggan hendaklah tidak membuat apa-apa urus niaga dalam Akaun Pelanggan
melalui Perkhidmatan e-Perbankan atau melalui mana-mana saluran.
13.4 Bank tidak menjamin atau menjelaskan bahawa maklumat tersebut termasuk
butir-butir daripada Akaun Pelanggan seperti yang dinyatakan melalui
Perkhidmatan e-Perbankan adalah penjelasan atau bukti yang benar atau bukti
konklusif mengenai keadaan akaun tersebut. Pelanggan memahami dan bersetuju
bahawa butir-butir Akaun seperti yang dinyatakan di atas mungkin bukan yang
terkini kerana mungkin terdapat urus niaga yang dibuat dan/atau arahan yang
diberi oleh Pelanggan sementara menunggu pemprosesan oleh Bank pada masa
itu.
13.5 Penyata Akaun yang diperakui dengan sewajarnya oleh pegawai Bank yang
dibenarkan adalah sebagai muktamad dan konklusif dan mengikat ke atas
Pelanggan sebagai bukti mengenai semua urus niaga yang dibuat adalah atas
arahan Pelanggan.
14.1 Bank boleh pada bila-bila masa, tanpa notis terlebih dahulu, mengeluarkan mana-
mana Perbadanan Penerima Bayaran daripada senarai Perbadanan Penerima
Bayaran. Pelanggan bersetuju bahawa Bank tidak boleh dipertanggungjawabkan
bagi apa-apa kerugian atau ganti rugi yang Pelanggan mungkin tanggung
berikutan tindakan Bank itu.
14.3 Pelanggan hendaklah memberi sekurang-kurangnya tiga (3) hari bagi penerimaan
bayaran oleh Perbadanan Penerima Bayaran.
14.4 Pelanggan bersetuju dan menerima bahawa had bagi pembayaran Bil berkenaan
dan JomPAY adalah terhad seperti yang diperuntukkan dalam Perkara 13 di atas.
15.1 Bagi urus niaga pindahan dana apabila Pelanggan memindahkan dana di antara
akaun-akaun Pelanggan yang dikekalkan dengan Bank, pindahan seumpama ini
tertakluk pada had harian maksimum seperti yang dinyatakan dalam Perkara 13
di atas.
15.2 Arahan Pindahan Dana apabila Pelanggan memindahkan dana kepada akaun
pihak ketiga yang dikekalkan dengan Bank atau mana-mana akaun dengan bank
lain, pindahan seumpama itu hendaklah tertakluk pada had harian dan syarat-
syarat maksimum yang dikenakan dan/atau disemak oleh Bank dan pihak
berkuasa.
16.1 Selain daripada dan tanpa mengurangkan peruntukan yang nyata dalam Terma dan
Syarat dalam ini, Bank tidak akan bertanggungjawab atau dipertanggungjawabkan
bagi apa-apa ganti rugi (sama ada khas atau turutan), kerugian, rasa malu, belanja
muhibah atau kehilangan keuntungan yang ditanggung atau dialami oleh Pelanggan
disebabkan oleh atau berhubung dengan yang berikut:-
17.1 Melainkan dinyatakan sebaliknya, semua hak cipta, tanda niaga/tanda khidmat,
paten, logo dan hak harta intelek Bank atau lain-lain dalam Perkhidmatan
e-Perbankan dan kandungan dalamnya dan dalam Perkhidmatan e-Perbankan
(termasuk tetapi tidak terhad pada, semua maklumat, butir-butir, grafik, data, fail,
teks, rakaman bunyi dan turutan dan susunannya) hendaklah pada setiap masa
diletak hak dan terus diletak hak dalam Public Bank Berhad, atau pemunya pihak
ketiga yang berkaitan mengikut keadaan. Tiada satu pun bahagian dalam
Perkhidmatan e-Perbankan, boleh diterbitkan semula, disalin, diubah suai,
diedarkan, diterbitkan, dihantar, dilesenkan, dijual atau dipinda tanpa kebenaran
bertulis orang yang dibenarkan oleh Public Bank Berhad atau pemunya pihak
ketiga yang berkaitan mengikut keadaan.
17.2 Bank boleh mempamerkan dan menggunakan logo pihak luar bagi tujuan untuk
mempromosikan perkhidmatan dan/atau produk Bank sendiri.
17.3 Pelanggan memahami bahawa Perkhidmatan e-Perbankan, atau laman web Bank
tidak boleh digunakan untuk apa-apa tujuan yang menyalahi undang-undang,
menggunakan kata-kata kesat, fitnah, lucah atau mengugut ataupun digunakan
bertentangan dengan undang-undang atau keperluan pengawalseliaan.
18.1 Pelanggan memahami bahawa Bank mungkin memasukkan pautan daripada atau
kepada Perkhidmatan e-Perbankan yang dimiliki atau dikendalikan oleh pihak
ketiga yang bukannya di bawah kawalan Bank dan/atau Kumpulan PBB.
18.3 Mana-mana orang yang membuat pautan pada Perkhidmatan e-Perbankan ini
tanpa kebenaran bertulis orang yang dibenarkan oleh Public Bank Berhad akan
dipertanggungjawabkan bagi apa-apa tuntutan berikutan pautan yang tidak
dibenarkan itu.
19.1 Dengan ini, Pelanggan bersetuju dan mengaku janji untuk membayar kepada
Bank kesemua caj perkhidmatan dan urus niaga yang Bank mungkin dikenakan
berkenaan dengan atau berkaitan dengan Perkhidmatan e-Perbankan, dan caj
perkhidmatan atau urus niaga itu akan didebitkan daripada Akaun yang Layak
milik Pelanggan apabila kedua-duanya dikenakan. Semua fi perkhidmatan atau
caj urus niaga seumpamanya hendaklah termasuk cukai yang berkaitan.
20.1 Dengan ini, Pelanggan bersetuju bahawa Bank boleh pada bila-bila masa dalam
tempoh tujuh (7) hari kalendar sebelum notis bertulis mendapatkan balik
daripada Pelanggan, dengan cara menolak selesai mana-mana wang yang
terhutang kepada Bank disebabkan oleh atau sampingan kepada urus niaga yang
dibuat melalui Perkhidmatan e-Perbankan.
21.1 Pelanggan akan, dengan kos dan perbelanjaannya sendiri, bertanggungjawab bagi
pembelian, kos, pemasangan, penyelenggaraan, penggunaan dan pembaikan (jika
ada) Peranti atau peralatan dan perisian telekomunikasi ("Peralatan tersebut") lain
yang perlu untuk Pelanggan mengakses Internet dan Perkhidmatan e-Perbankan.
Peralatan tersebut hendaklah mengikut spesifikasi, jika perlu, seperti mana yang
ditentukan oleh Bank.
21.2 Pelanggan akan bertanggungjawab bagi semua caj telekomunikasi yang perlu
ditanggung, termasuk caj langganan, fi dan caj lain yang dikenakan oleh Penyedia
Perkhidmatan Rangkaian dan mana-mana pihak ketiga yang lain.
22.1 Bagi tujuan untuk menyediakan kepada Pelanggan pelbagai jenis produk dan
perkhidmatan kewangan yang ditawarkan oleh Bank dan/atau Kumpulan PBB
melalui Internet, adalah perlu maklumat mengenai Pelanggan dimaklumkan atau
disediakan melalui Internet kepada setiap syarikat dalam Kumpulan PBB dan
kepada ejen, pembekal, vendor dan syarikat perkhidmatan yang memberi
sokongan dan perkhidmatan bagi produk dan perkhidmatan Bank dan/atau
Kumpulan PBB. Maklumat Pelanggan tidak akan diberi kepada pihak ketiga bagi
tujuan selain daripada di atas dan hanya maklumat berkenaan sebagaimana yang
diperlukan akan disediakan.
22.2 Jika Pelanggan tidak bersetuju Bank mendedahkan maklumat yang diberikan
oleh Pelanggan dalam lingkungan Kumpulan PBB dan kepada ejen, pembekal,
vendor dan syarikat perkhidmatan Kumpulan PBB, Pelanggan boleh menulis
kepada Bank menggunakan alamat seperti di bawah:
23. PENAMATAN
23.1 Walau apa pun yang sebaliknya dalam ini, Bank boleh, mengikut budi bicara
mutlaknya menggantung atau menamatkan hak Pelanggan untuk mengakses
Perkhidmatan e-Perbankan atau mana-mana bahagian daripadanya.
23.2 Bank berhak untuk menamatkan hak Pelanggan untuk mengakses Perkhidmatan
e-Perbankan sekiranya Pelanggan tidak lagi mengendalikan apa-apa akaun
dengan Bank yang boleh diakses menerusi Perkhidmatan e-Perbankan atau
sekiranya akses Pelanggan kepada akaun tersebut dihadkan oleh Bank atau mana-
mana pihak lain atas apa juga sebab.
23.4 Bagi Akaun Bersama, setiap Pemegang Akaun Bersama bersetuju bahawa
penamatan Perkhidmatan e-Perbankan boleh diberikan oleh salah seorang
penandatangan yang dibenarkan bagi Pemegang Akaun Bersama berkenaan.
23.5 Pelanggan mengakui bahawa penamatan tersebut tidak akan menjejaskan liabiliti
atau obligasi berkenaan dengan arahan yang telah diproses dan/atau dilaksanakan
oleh Bank bagi pihak Pelanggan.
24. BUKTI
24.1 Semua rekod yang disimpan oleh Bank dalam apa juga bentuk, adalah muktamad
dan konklusif terhadap Pelanggan berhubung dengan kandungan Arahan
tersebut.
24.2 Pelanggan bersetuju bahawa semua Arahan yang dihantar melalui Peranti atau
seumpamanya yang dibuat oleh Pelanggan, dalam bentuk elektronik:
24.2.2 Adalah dokumen asal dan Pelanggan bersetuju untuk tidak mencabar
kesahan arahan itu atas alasan ia dibuat dalam bentuk elektronik.
24.3 Pelanggan mengakui dan bersetuju bahawa rekod Bank dan apa-apa rekod mengenai
Arahan yang dibuat atau dilaksanakan, diproses atau dikuatkuasakan melalui
Perkhidmatan e-Perbankan oleh Pelanggan atau mana-mana orang yang mengaku
sebagai Pelanggan, atau apa-apa rekod urus niaga yang berkaitan dengan
Perkhidmatan e-Perbankan dan apa-apa rekod mengenai urus niaga yang
disenggara atau oleh orang berkenaan yang diberi kuasa oleh Bank berkaitan
dengan Perkhidmatan e-Perbankan, sama ada disimpan dalam bentuk elektronik
atau cetakan, adalah mengikat dan konklusif bagi Pelanggan itu bagi semua
tujuan dan akan menjadi bukti konklusif terhadap Arahan dan urus niaga serta
liabiliti Pelanggan kepada Bank. Dengan ini Pelanggan bersetuju bahawa semua
rekod seumpama itu boleh diterima sebagai bukti dan Pelanggan tidak akan
mencabar atau mempertikaikan kebolehterimaannya, kebolehpercayaannya,
ketepatannya atau kesahan kandungan rekod berkenaan semata-mata atas dasar
bahawa rekod itu digabungkan dan/atau dinyatakan dalam bentuk elektronik atau
dikeluarkan oleh atau adalah output daripada sistem komputer.
26.1 Dengan ini Pelanggan mengakui keperluan ketat berhubung kerahsiaan dan
obligasi yang dikenakan terhadap Public Bank Berhad di bawah Akta
Perkhidmatan Kewangan 2013 atau Public Islamic Bank Berhad di bawah Akta
Perkhidmatan Kewangan Islam 2013, mengikut keadaan, dan mengaku janji
untuk tidak membuat atau menyebabkan untuk dibuat suatu tindakan atau
ketertinggalan yang mungkin menyebabkan Public Bank Berhad atau Public
Islamic Bank Berhad mungkir tanggungjawab kerahsiaan dan obligasi di atas.
Obligasi Pelanggan di dalam ini hendaklah melepasi penamatan dan/atau
penamatan Terma dan Syarat di dalam ini.
26.2 Sekiranya Pelanggan menerima apa-apa bahan atau data yang mengandungi
maklumat yang Pelanggan bukannya penerima yang sepatutnya, dengan ini
Pelanggan memberi notis bahawa apa-apa pengunaaan, penyebaran, pengagihan
atau penyalinan bahan atau data adalah dilarang dan tertakluk pada guaman
terlindung. Pelanggan bersetuju untuk menghapuskan bahan atau data tersebut
dan selanjutnya bersetuju untuk memaklumkan kepada Bank melalui telefon
dengan segera.
27.1 Pelanggan bersetuju untuk menanggung rugi dan mengelakkan Bank daripada
menanggung rugi sepenuhnya daripada mana-mana dan/atau semua liabiliti,
kerugian, ganti rugi, penalti, tindakan, penilaian, kos, perbelanjaan atau
pengeluaran apa-apa juga pun yang mungkin dikenakan, perlu ditanggung atau
dinyatakan terhadap Bank berkenaan dengan apa-apa kenyataan, representasi,
komunikasi, tindakan dan/atau ketinggalan dalam apa juga cara berkaitan dengan
atau berikutan daripada kecuaian atau tingkah laku yang disengajakan atau
perlanggaran atau apa-apa ketertinggalan, kelewatan, penangguhan, mungkir
atau kegagalan obligasi Pelanggan di bawah Terma dan Syarat seperti yang
dinyatakan dalam ini atau bagaimanapun ia disebabkan oleh Pelanggan dan/atau
mana-mana pegawai dan kakitangannya dalam melaksanakan obligasinya
mengikut Terma dan Syarat ini.
27.3 Pelanggan mengaku janji untuk menanggung rugi Bank bagi apa-apa pecah laku
kerahsiaan dan apa-apa akibat daripadanya, yang hendaklah termasuk apa-apa
akses yang tidak dibenarkan atau tidak sah dari segi undang-undang kepada
maklumat oleh pihak ketiga yang menggunakan apa jua cara sekali pun.
27.4 Bank tidak akan dipertanggungjawabkan bagi penipuan atau arahan tidak
dibenarkan, atau apa-apa kerugian (termasuk kerugian turutan), ganti rugi atau
liabiliti apa juga yang perlu ditanggung dan/atau dialami oleh Pelanggan
melainkan disebabkan oleh kecuaian atau keingkaran yang disengajakan oleh
Bank.
28. PENEPIAN
28.1 Kegagalan atau kelewatan di pihak Bank dalam melaksanakan atau ketinggalan
untuk melaksanakan apa-apa hak, kuasa, keistimewaan atau remedi yang
disediakan di bawah Terma dan Syarat hendaklah dianggap sebagai pengecualian
atau persetujuan berhubung keingkaran demikian yang akan memberi kesan atau
mengurangkan apa-apa hak, kuasa, keistimewaan atau remedi di dalam ini.
29.1 Jika mana-mana peruntukan dalam Terma dan Syarat ini menjadi tidak sah, batal
atau tidak boleh dikuatkuasakan di bawah mana-mana undang-undang, dengan
itu kesahihan, kesahan dan ketidakbolehkuatkuasaan peruntukan-peruntukan
yang lain tidak boleh dalam apa jua cara terkesan atau berkurangan.
30.1 Bank berhak untuk mengubah, meminda, memotong atau menambah Terma dan
Syarat ini melalui notis awal sekurang-kurangnya dua puluh satu (21) hari
kalendar melalui pemakluman serentak kepada Perkhidmatan e-Perbankan,
mengikut keadaan, mempamerkan notis melalui laman web Bank atau di premis
Bank atau menghantar notis kepada Pelanggan di alamat terakhir Pelanggan
dalam rekod Bank. Walau apa pun, Pelanggan boleh membaca Terma dan Syarat
yang disemak apabila mengakses laman web Bank dan penggunaan
Perkhidmatan ini selepas ini hendaklah dianggap sebagai penerimaan Pelanggan
terhadap perubahan, pindaan dan tambahan berkenaan.
31. NOTIS
31.1 Dengan ini Pelanggan mengizinkan semua notis dan komunikasi lain yang
melibatkan Perkhidmatan e-Perbankan atau yang diperlukan di bawah Terma dan
Syarat berkenaan atau yang boleh diberi oleh Bank melalui salah satu cara yang
berikut:
31.1.1 Melalui pos biasa ke alamat terakhir Pelanggan yang diketahui dalam
rekod Bank dan pemberitahuan sedemikian akan diterima dua (2) hari
selepas surat tersebut dipos;
31.1.4 Melalui iklan dalam satu sisipan dalam mana-mana akhbar utama dan
pemberitahuan tersebut akan berkuat kuasa pada tarikh penerbitan
iklan tersebut dalam mana-mana akhbar berkenaan;
31.1.6 Menyiarkan mesej dalam Saluran Digital Bank seperti SMS, PBe atau
PB engage; dan/atau
31.2 Semua notis kepada Bank berkenaan dengan Perkhidmatan e-Perbankan serta
Terma dan Syarat berkenaan hendaklah secara bertulis, ditandatangani oleh
Pelanggan dan hendaklah dihantar kepada Bank di alamat yang berikut atau
dikirim atau dihantar melalui cara lain yang mungkin dimaklumkan oleh Bank
kepada Pelanggan:
Perbankan Urus niaga – e-Saluran
Pengurusan Kewangan dan Perbankan Urus niaga,
Tingkat 20, Menara Public Bank,
146, Jalan Ampang,
50450 Kuala Lumpur
32.1 Penggunaan Perkhidmatan e-Perbankan serta Terma dan Syarat di dalam ini akan
dikawal oleh dan ditafsirkan mengikut undang-undang Malaysia dan pihak-pihak
di dalam ini dengan ini mematuhi bidang kuasa eksklusif Mahkamah Malaysia
tanpa mengira bahawa Perkhidmatan e-Perbankan ini boleh diakses dalam
bidang kuasa lain dan tidak terhad di Malaysia.
32.3 Amaun maksimum urus niaga dan tujuan ia dilaksanakan mungkin akan
ditentukan oleh Bank Negara Malaysia dan undang-undang serta peraturan
negara dalam mana urus niaga dibuat atau dipohon.
33.1 Terma dan Syarat di dalam ini hendaklah mengikat waris, wakil diri, wasi,
pelaksana dan pengganti dari segi hak milik Pelanggan dan kepada pengganti dari
segi hak milik serah hak Bank atau mana-mana Syarikat yang perniagaan Bank
mungkin pada masa ini dijalankan, dan Pelanggan tidak berhak untuk menyerah
hak apa-apa hak atau obligasi Pelanggan dalam Terma dan Syarat dalam ini
melainkan dengan kebenaran bertulis yang nyata daripada Bank terlebih dahulu.
(v) Untuk menyerahkan laporan polis rasmi yang dibuat di Malaysia kepada
Bank secepat yang mungkin selepas membuat laporan mengenai
penerobosan keselamatan kepada Bank; dan/atau
(vi) Untuk memberi Bank maklumat berikut, secara lisan atau bertulis,
berkenaan dengan urus niaga yang dipertikaikan: nama Pelanggan,
akaun yang berkenaan, tarikh dan amaun urus niaga yang dipertikai dan
sebab-sebab mengapa Pelanggan percaya bahawa ia adalah urus niaga
yang dipertikaikan.
34.2 Bank akan bekerjasama dengan pihak berkuasa berkenaan dan mempunyai hak
untuk memulakan tindakan undang-undang terhadap Pelanggan yang melengah-
lengahkan, menghalang dan/atau menyorokkan maklumat daripada Bank,
mengeluarkan tuntutan palsu melalui media biasa atau media sosial dan/atau
membuat laporan polis palsu berkenaan dengan urus niaga yang dibuat atau
dikatakan dibuat melalui Perkhidmatan e-Perbankan.