TERMINOLOGY
CIMB CLICKS is a product of banking service to access the Account of the User through internet network by means of the browser software in the computer.
CIF or Customer Information File is a file in the Banks system that stores all information and data of a Customer who has an Account in the Bank including saving, deposit, giro and credit.
Bank is PT Bank CIMB Niaga, Tbk, domiciled in South Jakarta, covering the head office and branch offices, as well as other offices that form integral parts of PT Bank CIMB Niaga, Tbk.
Customer is an individual who has a saving and/or giro account in the Bank and has a debit card.
User is a Customer who has been registered as a user of CIMB CLICKS.
User ID is an identity owned by each User consisting of a series of letters and numbers that must be specified or input in each use of the CIMB CLICKS service.
Captcha is a series of three characters in letters and numbers (alphanumeric) that is made randomly by the system.
Password is a personal identification number that is confidential in nature and only known by the User and must be input by the User when using the CIMB CLICKS.
Secure Word is a series of unique words or sentences made by the User that will appear on the log-in page after inputting the User ID and the 3 random alphanumeric code (Captcha).
Personal Identification Number (PIN) is a series of unique digits consisting of letters, numbers or ASCII codes used to identify the User. mPIN is an additional security medium that functions as a token/additional safeguard to make activation or Transaction sent by the Bank through the Short Messaging Services (SMS) to the Registered Phone.
Account is each and all accounts of a User registered in one CIF.
Registered Phone is the cellular phone number of a User registered in the CIF and the CIMB CLICKS system.
Transaction is any kind of access and/or transaction that is currently or in the future will be determined by the Bank to be made using the CIMB CLICKS, including but not limited to:
(i) Financial Transactions, i.e. the transactions related to the funds available in the Account that are determined by the Bank as may be used by means of a financial transaction, such as but not limited to the transactions of transfer ("transfer"), payment of bills, opening of accounts through the CIMB CLICKS and other transactions related to the Account and/or other sources of funds as specified in the CIMB CLICKS ("Financial Transactions"):
(ii) Non-Financial Transactions, such as but not limited to the information of balance, information of total credit card bill, information of 5 (five) latest transactions that have not been collected, information of ATM/branch locations of the Bank and transactions and/or other information that are made for administrative purposes or not included in the financial transactions ("Non-Financial Transactions"); and/or
(iii)Other transactions that have been and/or will be determined by the Bank to be made through the CIMB CLICKS service.
REGISTRATION and ACTIVATION of CIMB CLICKS
The User may register for CIMB CLICKS through an Automatic Teller Machine ("ATM"), Self Service Terminal ("SST") or the website of CIMB CLICKS or other media determined by the Bank.
The mPIN of CIMB CLICKS may be activated through the website of CIMB CLICKS.
The Customer shall have an active Registered Phone as the means to send mPIN.
Active registered phone is an active phone that was registered at the opening of the Account, an active phone that was registered through a branch, and an active phone that was registered through an Automatic Teller Machine (ATM).
The Customer shall read, understand and approve the Terms and Conditions of CIMB CLICKS available in the CIMB CLICKS service.
In the registration process, the User ID will be provided by the Bank system or may be made by the Customer in the CIMB CLICKS application. The Customer shall create and/or input a Password that is unique, easy to remember and does not contain the User ID or the secure word. Bank only provides 1 (one) User ID for each User.
Upon completion of the registration process, the User will receive a user identity in the form of User ID and Password to enter the CIMB CLICKS and mPIN sent to the Registered Phone. The User shall activate the mPIN through the CIMB CLICKS before they can make a Transaction in the CIMB CLICKS.
CONDITIONS OF USE OF CIMB CLICKS
A User may use the CIMB CLICKS to make a Transaction as per the conditions set out by the Bank.
In order to use the CIMB CLICKS, the User shall input their User ID and Password.
For each Transaction, the User shall be obligated and responsible to fill in data and instructions and make sure that all have been correct and complete. The Bank shall not be responsible for any effects that arise from the negligence, incompleteness, inaccuracy or obscurity of instructions of the User.
In each Financial Transaction, the CIMB CLICKS will always confirm the data input by the User. The confirmation made by the User shall constitute approval that the data submitted by the CIMB CLICKS are correct and approval for the Bank to carry out the instruction of the Bank.
All data and instructions in a Transaction that has been made by the User based on the use of User ID, Password and/or mPIN will be stored in the data center of the Bank and shall constitute correct and valid data instructions, so the Bank shall have no authority to inspect or investigate the originality or validity or authority of the User or to asses, verify or prove the accuracy and/or completeness of such data and instructions. Therefore, those data and instructions shall be valid and binding as well as acceptable as the evidence of instructions provided by the User to the Bank.
The User may not cancel a Transaction instructed to the Bank that has been approved by the User, as the Bank would process the instruction simultaneously.
The Bank shall have the right not to carry out the instructions of the User, if the balance in the Account of the User in the Bank is not sufficient or the Account is dormant or the Account is on seizure or blocked, the Bank knows or has a reason to assume that an act of fraud or crime has been or will be committed or based on other considerations of the Bank that will be notified in writing to the User.
For each instruction from the User on a successful Transaction, the User will receive the Transaction slip.
The procedure for a change in the Registered Phone shall only be performed for a User who meets the requirements for the verification that is made by the Bank.
RATES OF EXCHANGE
The information on rates of exchange of foreign currencies, interest rates and other rates provided in the CIMB CLICKS is only indicative of the current rates and may be changed at any time by the Bank without prior notice.
The Transaction of a Customer in a foreign currency shall use the rate of exchange applicable in the Bank when the Transaction is made.
EVIDENCE
The User agrees that the Banks records, tapes/cartridges, computer printouts, copies or other forms of information storage or other data/documents stored and maintained by the Bank shall form the evidence that is valid and binding on the User and the Bank of every instruction from the User, as well as other means of communication received or sent by the Bank.
By making a Transaction through the CIMB CLICKS, the User acknowledges that the communication and instructions from the User received by the Bank will be treated as valid evidence although it is not made in the form of written or signed documents, and the User is hereby willing to indemnify and hold the Bank harmless from any losses, liabilities, claims and costs (including reasonable legal costs) that arise in relation to the performance of such instructions.
USER ID, PASSWORD, mPIN AND OBLIGATIONS OF CUSTOMER
The User ID, Password and mPIN are confidential codes and the authority to use them is on the User.
The User ID may be changed once by the User.
The User shall be obligated to create his/her own User ID and password without assistance from any one, including family members, friends, employees of the Bank and the Phone Banking Agent.
The User shall be obligated to make sure that the Transaction using the CIMB CLICKS is always made under full supervision by the User and the User shall be obligated to make sure that the CIMB CLICKS is in log-out condition upon completion of use. The inadvertence of the User in ending access to the CIMB CLICKS shall be full responsibility of the User.
The User shall be obligated to secure his/her User ID, Password and mPIN by:
i. Not using the words that are easily known or guessed by others in the User ID and the Password.
ii. Not informing the User ID, Password and mPIN to others including family members, friends or the Phone Banking Agent or employees of the Bank for any purposes and reasons whatsoever.
iii. Not writing down the User ID, Password and mPIN on the desk, terminal or keep them in writing or in the computer application or other means of storage that enable them to be known by others.
iv. The User ID, Password and mPIN shall be used carefully in order not to be known by others.
v. Changing the Password of the CIMB CLICKS periodically and the Password should not be created in the form of numbers/figures that are easily known by others, not containing the elements of the User ID, secure word or combination of the User ID/secure word with the date of birth.
vi. Other means in order to make sure that the User ID, Password and mPIN are not abused by unauthorized parties.
The User shall use and update anti virus/anti malware regularly to protect his/her device and banking transactions from steal of User ID and password.
The User shall be fully responsible for the security and confidentiality of his/her User ID, Password, mPIN, and cellphone SIM card as well as for all Transaction instructions that occur based on the use of the User ID, Password ,mPIN and cellphone SIM card owned by the User; therefore, any forms of fault/negligence of the User that result in abuse of the User ID, Password, mPIN and cellphone SIM card, including but not limited to through cellphone SIM Card take over, malware, and virus shall be full responsibility of the User.
The use of the User ID, Password and/or mPIN shall have the same legal force as a written instruction signed by the User, so the User hereby declares that the use of User ID, Password and/or mPIN for each instruction of Transaction in the CIMB CLICKS also constitutes the grant of power from the User to the Bank to carry out the Transaction, including but not limited to debiting the Account of the User in the Bank both for the performance of the instructed Transaction and the payment of the Transaction fee.
The User may change his/her Password through the CIMB CLICKS and if the Password is lost or cannot be recalled, the User shall invalidate the CIMB CLICKS facilities and re-register through an ATM, SST or website of the CIMB CLICKS or other media determined by the Bank, and follow the procedures for registration and activation as set out in the conditions of Registration and Activation of CIMB Clicks referred to above. The invalidation of CIMB CLICKS shall be made in writing through a Branch of the Bank, ATM or SST.
The User ID and Password of the User will be blocked in the following events:
i. If the User wrongly inputs his/her Password 3 (three) times in or at the log-in.
ii. If the User has not used the CIMB CLICKS facilities for 45 (forty-five) days after his/her User ID/Password is sent to him/her.
iii. If the User wrongly inputs his/her mPIN 3 (three) times when making a Financial Transaction.
iv. There is a request from the User to block his/her User ID and/or Password and/or mPIN in case the User knows or thinks that his/her User ID, Password and/or mPIN has been known by an unauthorized person and has been reported by the User for blocking. The User may reactivate his/her User ID by contacting Phone Banking or other media that will be determined by the Bank.
ELECTRONIC MAIL ("EMAIL")
The User shall provide his/her email address when registrating in the CIMB CLICKS, for sending information on Transactions that have been made by the User through the CIMB CLICKS.
The Bank shall not guarantee the security of the information or data sent to the Bank through an email address that is not located and/or registered in the CIMB CLICKS database, which is not in the secure format as approved or determined by the Bank.
TRANSACTION FEE, LIMIT & ACCOUNT DEBITING AUTHORITY
The Bank shall have the right to charge a fee to the User on each activity of the Account of the User that is performed through the CIMB CLICKS, including but not limited to Financial Transactions of the User made through the CIMB CLICKS. Provisions on fees shall be fully set out by the Bank and informed to the Customer.
Besides the above mentioned fee, the User shall also bear the fee of the SMS used with the rate that has been set by the telecommunication service provider based on the agreement entered into by the Bank and the telecommunication service provider, which among others consists of the fee for receiving mPIN SMS.
Hereby the User grants authority to the Bank to debit the Account of the User in the Bank in the amount of the Financial Transaction value as per the instruction of the User to the Bank through the CIMB CLICKS or in the amount of the fee related to the Transaction.
Currently, the Transaction limit that may be made by the User through the CIMB CLICKS is in one unity with the limit of the product accessed by the User.
THINGS WORTH OF CONSIDERATION
The correctness and validity of the data input/entered relating to a Transaction, including the whole data in the Account Opening Application through the CIMB CLICKS shall be full responsibility of the User.
The User shall be responsible and obligated to promptly report to the Bank in the following events:
i. The User has not used the Registered Phone anymore;
ii. He/she is aware of an indication of system multiplication used for a Transaction; or
iii. There is use and/or change by an unauthorized party.
All risks that may arise from the negligence and/or abuse and/or disruption related to a Transaction that is not due to the fault/negligence of the Bank shall be full responsibility of the User. The User hereby holds the Bank harmless from any claims that may arise, whether from other parties or from the User himself/herself resulting from the negligence and/or abuse and/or disruption related to a Transaction, such as but not limited to the negligence and/or abuse and/or disruption resulting from:
i. Representing a third party in the Transaction through the CIMB CLICKS;
ii. Erroneous data entry relating to the Transaction;
iii. Negligence/mistake in following the instruction, procedure and direction for use relating to the Transaction;
iv. Disruption from a virus or malware in the system or network used relating to the Transaction;
v. Breakdown in the hardware and software of the cellular operator or other related media used for the Transaction;
vi. Delay or failure of execution or inaccuracy of data or instruction provided by the User due to the negligence of the User himself/herself or of a third party.
In case a Transaction through the CIMB Clicks is rejected, submit a report immediately to the Bank at the latest 2 X 24 Hours following the transaction for further examination. If the reporting is delayed, the loss shall be full responsibility of the User.
The Bank will never ask for information related to the User ID, password and mPIN of the CIMB Clicks or other matters that are confidential in nature from the User for any reasons whatsoever such as: lucky draw, data update, system update or maintenance, insurance cancellation, and so on.
TERMINATION OF CIMB CLICKS SERVICE
The User agrees that the Bank shall have the right at any time to terminate the CIMB CLICKS either wholly or partly of the services contained in the CIMB CLICKS system temporarily or for a certain period as determined by the Bank, including but not limited to the following events:
i. The Bank is required to fulfill a requirement in accordance with the applicable regulations of law;
ii. According to the Bank, there is an indication of abuse of the CIMB CLICKS or an indication of another violation of the law;
iii. Disruption of the System, causing the Bank decides to terminate the services in the CIMB CLICKS wholly or partly;
iv. For updates, maintenance or for other purposes based on whatever reasons deemed proper by the Bank, for which the Bank shall have no obligation to account to anyone whosoever.
v. Upon such termination, the Bank will submit notification to the User through the media of notification/announcement commonly used by the Bank for such purpose, or electronic banking media easily accessed by the User.
The CIMB CLICKS services will expire in the following events:
i. The User closes all the Accounts that can be accessed through the CIMB CLICKS service or upon request of the User himself/herself.
ii. There is a written report from the User received by the Bank suspecting that his/her User ID, Password and mPIN are known by an unauthorized party.
iii. There is a written request from the User to the Bank to terminate the CIMB CLICKS service.
In connection with the termination of those services, the User agrees to hold the Bank harmless from any claims or losses that may arise from the termination and/or suspension of all or part of the menus in the CIMB CLICKS.
FORCE MAJEURE
The User will hold the Bank harmless from any forms of claims in case the Bank cannot perform instructions from the User whether partly or wholly due to the events or causes beyond control or capability of the Bank, including but not limited to natural disasters, war, insurrection, strike, riot, dysfunctional equipment, system or transmission, electric disruption, telecommunication disruption, regulations of authorized parties that exist now or will exist in the future, as well as other events or causes beyond control or capability of the Bank.
HANDLING OF COMPLAINTS/CLAIMS
In case there is a question and/or complaint/claim related to a transaction, the User may file it in writing to a branch of the Bank and/or orally through Phone Banking 14041 or email 14041@cimbniaga.co.id.
The User may file a complaint on a disputed transaction at the latest 30 (thirty) business days following the date of the Transaction.
In case the complaint is filed in writing, the User shall attach the copy of the Transaction slip and other supporting evidence.
The Bank will examine/investigate the claim of the User in accordance with the policies and procedures applicable in the Bank.
MISCELLANEOUS
In the event of a change in the Terms and Conditions of CIMB Clicks and other matters related to the CIMB Clicks, the Bank will notify the User through announcement in the branch offices of the Bank or other media easily accessed by the User such as electronic banking media with due observance of the applicable regulations of law.
The User shall be subject to the applicable rules and regulations in the Bank as well as all services or facilities and all Transactions covered by the CIMB CLICKS.
These Terms and Conditions shall be subject to and form one unity with and an integral part of the Account Opening Application and the General Terms and Conditions of Account Opening that have been signed by the User.
The powers written in these Terms and Conditions shall constitute legal powers that will not expire as long as the User still receives CIMB CLICKS services or there are still other obligations of the User to the Bank.
By using the CIMB CLICKS and approving these Terms and Conditions, the User bind himself/herself on all Terms and Conditions of the CIMB CLICKS and declares that the Bank has given sufficient explanation on the characteristics of the CIMB CLICKS that will be utilized by the User and the User has known and understood all the consequences of utilizing the CIMB CLICKS, including the benefits, risks and costs that attach to the CIMB CLICKS.
These Terms and Conditions of CIMB CLICKS along with all amendments or additions and/or renewals thereof are made, interpreted and effected under the State Law of the Republic of Indonesia. Any disputes that arise from or based on these Terms and Conditions of CIMB CLICKS will be settled in the manner as follows:
a. The parties agree that any disputes or controversies that arise from and/or related to the exercise of these Terms and Conditions of CIMB CLICKS to the extent possible will be settled in deliberation.
b. Any disputes or controversies that cannot be settled in deliberation by the parties will be settled by means of mediation in the banking sector in accordance with the applicable regulations of law.
c. Any disputes or controversies that cannot be settled properly in deliberation and/or mediation in the banking sector will be settled through one of the District Courts in the territory of the Republic of Indonesia without prejudice to the rights of the Bank to file a lawsuit against the User through other Courts both within and outside the territory of the Republic of Indonesia and the User hereby declares to waive his/her rights to file an objection to the relative power of the Court chosen by the Bank.
These Terms and Conditions of CIMB CLICKS have been adjusted to the regulations of law, including the regulations of the Financial Service Authority.
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