CIMB CLICKS is a banking service product for accessing a User's Account through the internet using browser software on a computer.
The CIF or Customer Information File is a file in a Bank's system that stores all the information and data of Customers who have an Account at the Bank, including savings, time deposit, current and credit card accounts.
The Bank is PT Bank CIMB Niaga Tbk, located in South Jakarta, which includes its head office and branch offices, as well as other offices which form an inseparable part of PT Bank CIMB Niaga Tbk.
The Customer is an individual who has a savings and/or current account at the Bank and also has a debit card.
The User is a Customer who has been registered as a user of CIMB CLICKS.
The User ID is an identity owned by every User which is comprised of a series of letters and numbers that have to be entered whenever the CIMB CLICKS service is used.
The Password is a personal identification number of a confidential nature that is known only to the User and which has to be entered by the User when using CIMB CLICKS.
The Personal Identification Number (PIN) is a series of characters comprised of letters, numbers or ASCCI codes that is used to identify the User.
The mPIN is an additional security platform that serves as a security token/addition for conducting activations or transactions and which is sent by the Bank by means of a Short Messaging Service (SMS) to a registered Telephone.
Account is each and every account held by a User that is registered in the CIF.
Registered Telephone is a mobile telephone number of a User which is registered in the CIF and on the CIMB CLICKS system.
Transaction is any type of access and/or transaction which, currently or at a later time, the Bank has determined can be conducted using CIMB CLICKS, including but not limited to the following:
i Financial Transactions, transactions related to funds found in an Account which the Bank has determined can be used to conduct financial transactions, such as but not limited to fund transfer transactions ("transfers"), payments of bills, opening of an account via CIMB CLICKS and any other transactions related to an Account and/or other funds source that is listed in CIMB CLICKS ("Financial Transactions"):
ii Non-Financial Transactions, such as but not limited to balance enquiries, credit card bill enquiries, information about the last 5 (five) uncharged transactions, information about the location of ATM/Bank branches, and any other transactions and/or information conducted or accessed for administrative interests or which are not included in financial transactions ("Non-Financial Transactions"); and/or
iii Other transactions which the Bank has determined and/or will determine can be conducted through the CIMB CLICKS service.
REGISTRATION AND ACTIVATION OF CIMB CLICKS
Users can register for CIMB CLICKS through an Automated Teller Machine ("ATM"), Self Service Terminal ("SST"), the CIMB CLICKS website or any other platform specified by the Bank.
The CIMB CLICKS mPIN can be activated via the CIMB CLICKS website.
Customers must have an active Registered Telephone as a means of receiving the mPIN.
Customers must read, understand and agree to the Terms and Conditions of CIMB CLICKS which are available on the CIMB CLICKS service.
During the registration process, a User ID will be provided by the Bank's system or can be created by the Customer on the CIMB CLICKS application. Customers are obliged to create and/or enter a Password. The Bank only allocates 1 (one) User ID for every User.
After completing the registration process, Users will receive a user identity in the form of a User ID and Password in order to enter CIMB CLICKS as well as an mPIN which is sent to a Registered Telephone. Users must activate CIMB CLICKS using this mPIN, just as an mPIN wil be needed to conduct any Transaction in CIMB CLICKS.
Users can use CIMB CLICKS to conduct Transactions in accordance with those already established by the Bank.
To use CIMB CLICKS, Users must enter a User ID and Password.
For each Transaction conducted, Users are obliged to and are responsible for completing and confirming all data and instructions in an accurate and comprehensive manner. The Bank takes no responsibility for any consequences arising from any negligence, incompleteness, inaccuracies, or unclear instructions on the part of the User.
For each Financial Transaction, the CIMB CLICKS system will always make a confirmation of the data entered by the User. This confirmation represents an agreement that the data presented by CIMB CLICKS is correct as well as consent for the Bank to carry out the User's instructions.
Any transaction data or instructions given by a User based on the use of a User ID, Password and/or mPIN will be stored in the Bank's data center and are considered to be correct and legitimate; as such the Bank has no authority to examine or investigate the authenticity, validity or authority of the User, or to evaluate, verify or prove the accuracy and/or completeness of the data and instructions in question. The data and instructions concerned are therefore considered valid and binding and are acceptable as evidence of the instructions given by the User to the Bank.
Users can not cancel instructions on Transactions that have been given to the Bank and approved by the User, because the Bank will immediately have processed the instruction in question.
The Bank reserves the right to not carry out the instructions of the User, if the User's Account balance at the Bank is insufficient, or if the Account is inactive (dormant), or if the Account has been seized or blocked, or if the Bank knows or has reason to suspect that fraud or any other criminal action has been or will be committed, or based on any other considerations, of which the Bank will notify the User in writing.
For each instruction of the User that results in a successful Transaction, the User will be given proof of the transaction in question.
The procedure for changing a User's Registered Telephone can only be implemented for Users who meet the verification requirements specified by the Bank.
Information on foreign exchange rates, interest rates and other rates that are provided by CIMB Clicks only serves as an indication of the current applicable rate, and these rates can be changed at any time by the Bank without prior notice.
Customer Transactions conducted in a foreign currency will use the prevailing exchange rate of the Bank at the time of transaction.
A User agrees that any Bank records, tapes/cartridges, computer print-outs, copies or any other form of stored information, as well as any other data/documents stored and maintained by the Bank constitute valid and binding evidence for the User and Bank of any instructions given by the User; this also pertains to any other means of communication received or sent by the Bank.
By conducting a Transaction via CIMB Clicks, the User acknowledges that all communications and instructions from him/her received by the Bank can be treated as legitimate evidence even if they were not made in the form of a written document or issued in a signed document. The User is hereby willing to release the Bank from and indemnify it for any losses, responsibilities, claims and expenses (including reasonable legal fees) arising from the execution of those instructions.
USER ID, PASSWORD, mPIN AND CUSTOMER OBLIGATIONS.
The User ID, Password and mPIN are confidential codes which are only authorized to be used by the User.
The User ID can be changed 1 time (once) by the User.
Users shall ensure that any Transaction done by means of CIMB Clicks is always done in a fully supervised and secure environment, and the User must ensure that CIMB Clicks has a non-active status (logged-out) after it has been used. Any negligence on the part of the User to terminate access to CIMB Clicks is entirely the responsibility of the User concerned.
Users are obliged to secure their User ID, Password and mPIN in the following ways:
i. Not informing anybody else of the User ID, Password or mPIN, including family members, friends, Phone Banking Agents as well as employees of the Bank for any reason whatsoever.
ii. Not writing down the User ID, Password or mPIN on a table or terminal or storing them in written form or on computer applications or in any other storage facility that may allow them to become known to others.
iii. User ID, Password and mPIN must be used with caution so as not to become known to others.
iv. The CIMB CLICKS Password should be changed regularly and the Password should not consist of numbers/digits that might easily become known/be guessed by others.
v. Other measures should also be taken to ensure that the User ID, Password and mPIN are not misused by irresponsible parties.
Users are entirely responsible for the security and confidentiality of the User ID, Password and mPIN as well as all instructions for transactions that take place based on the use of the User ID, Password and mPIN belonging to the User; as such, any misuse of the User ID, Password or mPIN is the sole responsibility of the User and the User will release the Bank from any liability or claims, either from any other party or the User himself/herself, arising from the misuse of the User ID, Password or mPIN by a third party, and indemnify the Bank against any damages resulting from the misuse of the User ID, Password or CIMB Clicks mPIN that have not been reported to the Bank due to a mistake or negligence on the part of the User
The use of a User ID, Password and/or mPIN has the same legal force as a written order that is signed by the User. As such, the User hereby declares that the use of a User ID, Password and/or mPIN for any CIMB Clicks transaction that is instructed is tantamount to power of attorney being given by the User to the Bank to carry out the Transaction, including but not limited to debiting the User's Account with the Bank, either in the context of the transaction instructed or for the payment of the related Transaction costs.
The User can make a change of Password via CIMB CLICKS but if a Password is lost or cannot be remembered, the User must remove the CIMB CLICKS facility and re-register for it through an ATM, SST, the CIMB CLICKS website or another platform specified by the Bank, and must follow the registration and activation procedures as stipulated in the provisions regarding the Registration and Activation of CIMB Clicks above. The removal of CIMB Clicks must be made in writing through a Bank Branch, ATM or SST.
The User's User ID and Password will be blocked if any of the following occurs:
i. If the User enters the incorrect password 3 (three) times during log-in.
ii. If the User fails to use CIMB Clicks for 45 (forty five) days after being provided with a User ID/Password.
iii. If the User enters the incorrect mPIN 3 (three) times when making a Financial Transaction.
iv. If there is a request from the User to block the User ID and/or Password and/or mPIN in the event that the User knows or suspects that this User ID, Password and/or mPIN has become known to other unauthorized people and this has been reported by the User to initiate blocking. The User can reactivate the User ID by contacting Phone Banking or any other form of media specified by the Bank.
ELECTRONIC MAIL ("E-MAIL")
The User must provide an e-mail address at the time of first log in to CIMB Clicks, so that the Bank is able to send information on transactions that have been conducted by the User through CIMB Clicks.
The Bank does not guarantee the security of information or data that is sent to the Bank via an e-mail address that does not exist and/or is not registered on the CIMB Clicks database, or which is not in a secure format approved or prescribed by the Bank.
FEES, TRANSACTION LIMITS & DEBIT ACCOUNT AUTHORIZATION
The Bank reserves the right to charge the User for any Account activity conducted through CIMB CLICKS, including but not limited to Financial Transactions on the part of the User conducted through CIMB CLICKS. Any provisions pertaining to fees are completely at the discretion of the Bank and the Customer will be notified thereof.
In addition, to the fees mentioned above, the User will also bear the cost of any SMS used at the rate established by the telecommunications service provider, based on an agreement reached by the Bank and the telecommunications service provider, which includes the sending of the mPIN SMS.
The User hereby gives authority to the Bank to debit the User's Account at the Bank to the amount of the Financial Transaction as specified in the instruction from the User to the Bank through CIMB CLICKS as well as the cost of the fee associated with the Transaction in question.
At present, the transaction limit for a User via CIMB Clicks is one unit with a product limit that is accessed by the User.
MATTERS THAT REQUIRE ATTENTION
The truth and validity of any data entered in connection with a Transaction, including all the data on the Account Opening Application via CIMB Clicks is the full responsibility of the User.
The User is responsible for and shall promptly report to the Bank if:
i. Any replication/double payment occurs in the system that may affect a Transaction, or
ii. Any use/changes are made by an unauthorized party.
All risks that may arise due to negligence and/or misuse and/or disturbances associated with carrying out a Transaction are entirely the responsibility of the User. The User hereby indemnifies the Bank against any claims that may arise, both from other parties as well as the User, as a result of such negligence and/or abuse and/or disturbances associated with the transaction, such as but not limited to negligence and/or misuse and/or disturbances in the form of:
i. Deputing of Transaction instructions through CIMB CLICKS to a third party;
ii. Incorrect input of Transaction data;
iii. Negligence/failure to follow instructions, procedures and user guidelines in relation to a Transaction;
iv. Disruption to the system and any related networks used in relation to a Transaction due to a virus;
v. Damage to any hardware or software from cellular operators or associated media that are used in relation to a Transaction;
vi. Delays or failures of Transactions due to incorrect data or instructions given by the User as a result of negligence on the part of the User or a third party.
TERMINATION OF CIMB CLICKS SERVICE
The User agrees that the Bank reserves the right to discontinue at any time all or some of the CIMB Clicks services, which form part of the CIMB Clicks system, for a temporary period or for a specific period of time specified by the Bank, including in but not limited to the following circumstances:
i. There is an obligation on the part of the Bank to implement mandatory orders in accordance with applicable legislation;
ii. In the Bank's judgment there are indications of misuse of CIMB CLICKS or indications of other violations of the law;
iii. System disturbances occur that result in the Bank's decision to terminate all or some of the services in CIMB Clicks;
iv. for updating or maintenance requirements or for any other purpose with any other reason deemed necessary by the Bank, whereby the Bank has no obligation to be accountable for this to anyone.
v. Upon such a termination, the Bank will give notice to the User through the usual media notifications/announcements used by the Bank for such a purpose, or through an electronic banking medium that is easily accessible to the User.
The CIMB Clicks service will be terminated in the event that:
i. The User closes all Accounts accessible through the CIMB CLICKS service or at the User's own request.
ii. A written report from the User is received by the Bank with regard to suspicions that the User ID, Password or mPIN has become known to an unauthorized party.
iii. A written request from the User is made to the Bank to terminate the CIMB Clicks service.
With regard to the termination of this service, the User agrees to release the Bank from any claims or damages that may arise from the termination and/or suspension of all or part of the menu in CIMB Clicks.
The User will release the Bank from any form of claim, in the event that the Bank is unable to carry out the instructions of the User, either partially or wholly, due to events or causes beyond the control or the ability of the Bank, including but not limited to natural disasters, wars, riots, strikes, disturbances, equipment conditions, non-functioning systems or transmissions, power disruptions, telecommunications disruptions, existing or incoming provisions of the authorities, government policies, as well as any other events or causes beyond the control or the ability of the Bank.
In the event of any questions and/or grievances/complaints related to a transaction that has been conducted, the User may file a complaint either in writing to a Bank branch and/or verbally through Phone Banking 14041 or by emailing email@example.com.
Any complaint about a disputed transaction must be submitted by the User no longer than 30 (thirty) working days from the date of the Transaction in dispute.
In the case of a complaint that is submitted in writing, the User must attach a copy of the proof of transaction as well as other supporting evidence.
The Bank will conduct an inspection/investigation into the User's complaint in line with the applicable policies and procedures of the Bank.
In the event that there are any changes to the Terms and Conditions of CIMB CLICKS or any other matters related to CIMB CLICKS, the Bank will inform Users by means of announcements at Bank branches or through other media which are easily accessible to Users, such as electronic banking media, with regard to the applicable provisions of law.
The User is subject to the provisions and regulations applicable to the Bank as well as any services or facilities and all transactions covered by CIMB CLICKS.
These Terms and Conditions are subject to and serve as an integral and inseparable part of the Account Opening Application and the General Terms and Conditions for Opening an Account that were signed by the User.
The powers expressed in these Terms and Conditions are legitimate and will continue to be valid for as long as the User uses CIMB CLICKS services or has other any obligations to the Bank.
By using CIMB Clicks and agreeing to these Terms and Conditions, the User binds himself/herself to all the Terms and Conditions of CIMB Clicks and declares that the Bank has provided an adequate explanation of the characteristics of CIMB Clicks, of which the User will make use, and that the User knows and understands all the consequences of using CIMB Clicks, including its inherent benefits, risks and costs.
These CIMB CLICKS Terms and Conditions are subject to amendments, additions and/or updates that are made, interpreted or implemented based on the Law of the Republic of Indonesia. Any dispute that arises according to or based on these CIMB CLICKS Terms and Conditions will be resolved in the following ways:
a. All parties agree that any dispute or difference of opinion that arises from and/or in relation to the application of these CIMB CLICKS Terms and Conditions will, as far as possible, be resolved through discussion.
b. Any dispute or difference of opinion that cannot be resolved through discussion by all parties, will be resolved by means of mediation in the field of Banking in accordance with the applicable laws and regulations.
c. Any dispute or difference of opinion that cannot be resolved through discussion and/or by means of mediation in the field of Banking, will be resolved in a District Court in the territory of the Republic of Indonesia without reducing the Bank's right and authority to make claims/litigation against the User in another court either inside or outside the territory of the Republic of Indonesia, and the User hereby declares that he/she waives his/her right to file an exception regarding the relative powers of the Court selected by the Bank.
These CIMB CLICKS Terms and Conditions have been adapted to conform to the applicable provisions of law, including the provisions of the Financial Services Authority.