CIMB Clicks is a banking product service to access the Customer's account through the Internet using browser software on the computer.
CIF or Customer Information File is a file system that stores all the information bank and customer data with the Bank, including savings accounts, time deposits, demand deposits and credit.
Bank is PT Bank CIMB Niaga Tbk, based in South Jakarta, which includes the headquarters and branch offices, as well as other offices that are an integral part of PT Bank CIMB Niaga Tbk.
Customers are those individuals who have a savings account and / or checking account at Bank and have a debit card.
User is a Customer who has registered as a user CIMB Clicks.
User ID is the identity of every User that consists of a series of letters and numbers that must be entered to use CIMB Clicks.
Password is a personal identification number that is confidential and known only to User and must be entered by User when using CIMB Clicks.
Personal Identification Number (PIN) is a unique digit sequence consisting of letters, numbers or ASCCI codes used to identify User.
mPIN is the media that serves as an additional security token / additional security for the activation or transaction that is sent by the Bank via Short Messaging Services (SMS) to the Registered Phone.
Account means any and all User account enrolled in the CIF.
The phone is a Registered User's mobile phone number listed on the CIF and the system of CIMB Clicks.
Transaction is any kind of access and / or transactions that are currently or in the future will be set for the Bank can be done using CIMB Clicks, including but not limited to:
(i) Financial Transactions, transactions associated with funds contained in the specified bank account can be used to conduct financial transactions, such as but not limited to funds transfer transactions ("transfer"), bill payments, opening of accounts via CIMB Clicks and other transactions associated with the Account and / or other funding sources listed in the CIMB Clicks ("Financial Transaction"):
(ii) Non-financial transactions, such as but not limited to the balance of information, information of total credit card bills, get 5 (five) recent transactions that have not collectible, the location information ATM / Bank branches and transaction and / or other information made for the benefit administrative or who are not included in the financial transaction ("Transaction Non-Financial"); and / or
(iii) Other transactions that have been and / or will be determined by the Bank to be done via CIMB Clicks services.;
REGISTRATION AND ACTIVATION OF CIMB CLICKS
User can register CIMB Clicks via Automated Teller Machine ("ATM"), Self Service Terminal ("SST") or CIMB Clicks website or other media specified by the Bank.
CIMB Clicks mPIN activation can be done via CIMB Clicks website
Registered Customer must have an active phone as a means to transmit mPIN.
Customer must read, understand and agree to the Terms and Conditions of CIMB Clicks is available at CIMB Clicks service.
In the registration process, User IDs will be provided by the Bank or can be made by the Customer when applying to CIMB Clicks. Customer must make and / or input the Password. Bank only provides 1 (one) User ID for each User Customer.
Having completed the registration process, User Customer will receive a user ID User ID and Password to enter CIMB Clicks and mPIN sent to the Registered phone. User Customer is obliged to perform mPIN activation via CIMB Clicks to be able to perform at the CIMB Clicks Transaction.
User can use CIMB Clicks to execute transactions in accordance with those set by the Bank.
To use CIMB Clicks, User must enter a User ID and Password.
For each execution of the Transaction, User shall be responsible to fill and ensure all data and instructions are correct and complete. Bank is not responsible for any consequences that may arise due to negligence, incompleteness, inaccuracy or lack of clarity of instructions from the User.
On each financial transaction, CIMB Clicks system will always perform the confirmation of the data that are entered by the User. User's confirmation shall constitute an agreement that the data presented by CIMB Clicks is correct and consent to the Bank to carry out the User's instructions.
Every transaction data and instructions made by User based on the use of User ID, Password and / or mPIN, will be stored in a central data of the bank and the data and instructions are correct and valid, therefore the Bank does not have the authority to examine or investigate the authenticity and validity of the User, or authorize or assess, verify or prove the accuracy and / or completeness of data and instructions intended. Therefore, data and instructions are valid and binding and may be accepted as evidence of the instructions given by the User to the Bank, unless the User can prove otherwise.
User can not cancel instructed Bank Transaction approved by User, because at the same time the Bank will process the instruction.
Bank reserves the right to not carry out the instructions of the User, if User Account balance at the Bank is insufficient or the account is inactive or account that is seized or blocked, the bank knows or has reason to suspect that fraud or criminal action has been or will be made or based on other considerations, Bank will notify in writing to the User.
For each instruction of the User Transaction that is successful, the User will be given proof of transaction.
Change procedure for User's Registered Phone will only be done if User meet the verification requirements conducted by the Bank.
Information for foreign exchange rates, interest rates and other rates that are available at CIMB Clicks are only as indication of the rate applicable at the time, and can be changed at any time by the Bank without prior notice.
Transaction in foreign currency will use the exchange rate prevailing at the Bank at the time the transaction is executed.
User agrees that the records, tape / cartridge, computer print out, copy or other form of information storage or other data as valid evidence under the instructions of the User, as well as other means of communication received or sent by the Bank.
User agrees not to dispute the validity, correctness or authenticity of the evidence and instructions that is electronically transmitted between the parties, including documents in the form of computer records or proof of bank transactions, tape / cartridge, a computer print out, copy or other form of information storage, and all the tools or the document is the only valid evidence on banking transactions via CIMB Clicks, unless the User can prove otherwise.
By conducting transactions via CIMB Clicks, the User acknowledges all communications and instructions received by the Bank will be treated as valid evidence even if not made in the form of a written document issued or signed document, and the User is willing to indemnify and relieve the Bank from any loss, responsibilities, demands and expenses (including reasonable legal fees) arising from the execution of those instructions.
Bank reserves the right to discontinue service to CIMB Clicks temporarily or for a specified period of time specified by the Bank for renewal, maintenance or for other purposes for any reason deemed necessary by the Bank, and the Bank has no obligation to account for it to anyone.
USER ID, PASSWORD, AND OBLIGATIONS OF CUSTOMER mPIN
User ID, Password and mPIN are confidential and authorized their use only by User.
User ID can be changed 1 (one) time by the User.
Customer shall ensure that the transaction with CIMB Clicks is always done in the fully supervised conditions by the User and the User must ensure that CIMB Clicks in non-active condition (log-out) after completion of use. Negligence of the User to terminate User's access to CIMB Clicks is entirely the responsibility of the User.
User must secure User ID, Password and mPIN by:
a. Not notifying the User ID, Password and mPIN to others including family, friends or Phone Banking Agent as well as employees of the Bank with any purpose.
b. Not writing down your User ID, Password and mPIN on the table, terminals or store them in paper form or on computer applications or other storage facility that allows it to be known by others.
c. User ID, Password and mPIN should be used with caution in order not to be known by others.
d. Changing CIMB Clicks Password on a regular basis and Password should not be made in a number / numbers that easily known by others.
e. As well as other ways to make sure no misuse of User ID, Password and mPIN by other parties.
User is solely responsible for the security and confidentiality of User ID, Password and mPIN and instruction for all transactions that occur based on the use of User ID, Password and mPIN; hence for any misuse of User ID, Password and mPIN is the sole responsibility of User and User will relieve the Bank from any liability or claims, due to misuse of other party or due to abuse of User's own User ID, Password and mPIN by any third party or for damages resulting from misuse of User ID, Password and mPIN CIMB Clicks that have not been reported to the Bank due to User errors / negligence.
Use of User ID, Password and / or mPIN have the same legal force as written order that is signed by User, therefore, User hereby declares that the use of User ID, Password and / or mPIN in any order of CIMB Clicks transaction is also a power of attorney from User to the Bank to carry out the transaction, including but not limited to debit User's account with the Bank, either in the context of transactions ordered or for the payment of transaction costs that have been or will be determined later by the Bank with advance notice by the Bank in the form and through whatever means.
User's Password can be changed via CIMB Clicks and if the password is lost or User can not remember the password, User must perform the removal of the facility CIMB Clicks and re-register through ATM, SST or CIMB Clicks website or other media specified by the Bank, and follow procedures of registration and activation, as stipulated in the provisions regarding the registration and activation on CIMB Clicks. Elimination of CIMB Clicks must be made in writing by Bank Branch, ATM or SST.
User's User ID and Password will be blocked if there is any of the following:
a. If the User enters incorrect password 3 (three) times in or upon log-in.
b. If the User does not use CIMB Clicks for 45 (forty five) days from the creation of User ID / Password.
c. If the User enters incorrect mPIN 3 (three) times when making financial transactions.
d. There is a request from the User to suspend User ID and or Password and / or mPIN in terms of knowing or suspecting User ID, Password and or mPIN have been known by other people.
User can re-enable the User ID by contacting the Phone Banking or other media that will be set by the Bank.
At the moment, transaction limit for transaction that can be user by User via CIMB Clicks is one unit with a limit of products that are accessed by the Customer. Bank in its sole discretion reserves the right at any time to change the limit value for each transaction limit and upon the limit change, User will be notified by Bank user through the media commonly used by the Bank.
ELECTRONIC MAIL ("E-MAIL")
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 transaction information that has been done by the User via CIMB Clicks.
Bank does not guarantee the security of information or data that is sent to the Bank via e-mail that does not exist and / or registered on the database CIMB Clicks, which is not in a secure format approved or prescribed by the Bank.
COST & AUTHORIZATION OF DEBIT ACCOUNT
User is hereby authorize the Bank to debit Customer's account at the Bank for the amount of:
a. the Financial Transaction User's instructed to the Bank via CIMB Clicks and / or
b. monthly administrative costs associated with account ownership at the bank and transaction fees for using CIMB Clicks.
For each mPIN request, User will be charged by the telephone operator, in accordance with the rates by the telephone operator, for SMS received by the Customer User.
User agrees that the Bank in its sole discretion is permitted to modify, add or withdraw the costs charged to customers for using CIMB Clicks; changes in the cost of the Bank to the User will be informed through the media commonly used by the Bank.
This power will expire if the CIMB Clicks User and end the use of CIMB Clicks and any User's obligations to the Bank is fulfilled.
The truth and validity of the data is entered in connection with the transaction, including the overall data on the Account Opening Application via CIMB Clicks is User's full responsibility.
User is responsible for and shall promptly report to the Bank if:
a. doubling occurs to the system for the benefit of the Transaction; or
b. there is the use and / or alteration by unauthorized parties.
All risks that may arise due to negligence and / or abuse and / or disorders associated with the execution of the Transaction to be entirely the responsibility of the User. User is hereby indemnify the Bank from any claims that may arise, due to misuse of other parties as well as a result of User's negligence and / or abuse and / or disorders associated with the transaction, such as but not limited to negligence and / or abuse and / or disruption caused by:
a. representment of transaction instruction via CIMB Clicks to other third parties;
b. incorrect transaction information entered;
c. negligence / failure to follow instructions, procedures and operating instructions related to the transaction;
d. disruption of the virus on the system and related network used in relation to the interests of the Transaction;
e. damage to hardware and software of mobile operators and other related media used for the transaction;
f. delays in the process of funds transfer related to the Transaction caused by matters beyond the power of the Bank;
TERMINATION OF CIMB Clicks SERVICE
User agrees that the Bank reserves the right to discontinue at any time all or partial service of CIMB Clicks, for temporarily or for a specified period of time specified by the Bank, including but not limited in terms of:
a. The Bank's obligation to implement a necessity in accordance with the applicable legislation;
b. Under Bank's consideration that there are indications of misuse or other indications of legal violations;
c. System disturbance that resulted in Bank's decision to terminate all or partial service of CIMB Clicks;
d. for renewal, maintenance or other purposes deemed necessary by the Bank, and Bank is not obliged to account for it to anyone.
Upon termination, the Bank will give notice to the User through media notices / announcements that are commonly used by the Bank for such purpose, or electronic banking media easily accessible to User.
CIMB Clicks service will be terminates if:
a. User to close all accounts accessible via CIMB Clicks or at User's own request.
b. a written report received from the User to the Bank in regards to the allegations or discovery of misuse of User ID, Password and mPIN by unauthorized parties.
c. There is a written request from the User to the Bank to terminate CIMB Clicks.
In connection with the termination of such service, User agrees to release the Bank from any claims or damages that may result from the termination and / or suspension of all or part of the menu in the CIMB Clicks.
User will release the Bank from any kind of demand, if 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 commotion, state of equipment, systems or non-functioning transmission, power disruption, disruption of telecommunications, government policy, as well as other events or other causes beyond the control or the ability of the Bank.
COMPLAINTS / COMPLAINTS HANDLING
In the event of any questions and / or grievances / complaints related to the transaction that has been done, User may file a complaint either in writing to the Banks branch and / or verbally through the Call Centre 14041 to meet the requirements and procedures established by the Bank.
Filing a complaint or dispute can only be done a maximum of 7 (seven) working days from the date of the transaction.
In terms of filing a complaint in writing, User must attach a copy of transaction proof and other evidence to support the complaint in accordance with the requirements established by the Bank.
Bank will conduct inspection / investigation of User's complaint in accordance with the policies and procedures applicable in the Bank.
Bank may change these Terms at any time with notice to the User in the form of media that are commonly used by the Bank.
User is subject to the provisions and regulations applicable to the Bank and any services or facilities and all transactions covered by the CIMB Clicks, including any amendments to be notified in advance by the Bank through the media commonly used by the Bank.
Terms and Conditions are subject to and act as integral and inseparable part of the Account Opening Application that was signed by the user.
Powers stated in this Terms and Conditions are legitimate powers that will not end for as long as the User is still using CIMB Clicks service or if other obligation of User to the Bank remain unfulfilled.
By using CIMB Clicks and agree to the Terms and Conditions, User binds itself to all the Terms and Conditions of CIMB Clicks and claimed that the Bank has provided an adequate explanation of the characteristics of the CIMB Clicks and User knows and understands the consequences of the use of CIMB Clicks, including the benefits, risks and costs inherent in CIMB Clicks.
CIMB Clicks Terms and Conditions are subject to and act as integral and inseparable part of the Account Opening Application and Electronic Banking and the opening of the General terms and conditions that have been signed by the User.
In the event of a dispute, the User agrees to complete the deliberation and consensus, if no agreement is reached, then the Bank and the User agrees to choose a permanent legal domicile in the Clerk's Office of the South Jakarta District Court in Jakarta. However, this does not reduce the Bank's right and authority to make claims / litigation in another court in the territory of the Republic of Indonesia.