NCC Bank Internet Banking Terms & Conditions(Please read these Terms & Conditions carefully)
These Terms and Conditions provide information about the NCCBL Internet Banking service provided to User by NCC Bank Limited. and set out the rights and obligations of the User and NCCBL, in connection with the User(s) use to the NCCBL Internet Banking Service. In the event of any conflict between these Terms & Conditions and the Rules and Regulations governing the User(s) account with NCCBL, these Terms and Conditions shall prevail.
For the purpose of this document, Internet Banking refers to the internet banking services provided by NCC Bank Limited provided services such as balance enquiry, details about transactions in the account(s), statement of account etc. User, he/she and/or his/her means NCCBL customer(s) using NCCBL Internet Banking and NCCBL means NCC Bank Limited, a company duly incorporated under the Companies Act 1994, having its Registered Office at 7-8 Motijheel C/A, Dhaka-1000; and its branch or its assigns in respect of which the service will be available.1. APPLICATION FOR NCCBL INTERNET BANKING:
1.1. These Terms & Conditions form the contact between the User and NCCBL for using Internet Banking. The User shall apply in the prescribed form for use of Internet Banking. NCCBL at its sole discretion to accept or reject any such applications.
1.2. By applying for Internet Banking for the first time, the User acknowledges and accepts these Terms & Conditions. Notwithstanding anything contained herein, all Terms & Conditions pertaining to the accounts shall continue to apply.2. INTERNET BANKING USERS LOG IN ACCESS, PASSWORD & SECURITY PROCEDURES:
2.1. NCCBL will provide the customer with unique customer identification (Customer ID) and a temporary (Password) in the first instance.
2.2. As a safety measure, the User, as a customer should immediately change Password upon his/her first login. User is requested to change his/her Password frequently thereafter as far as possible.
2.3. The customer acknowledges that the Login ID (Customer ID) and the Password selected act as User's authorized signature. This signature authorizes and validates directions given just as an actual written signature does.
2.4. User is responsible for maintaining the confidentially of Customer's Login ID and Password. User should agree that he/she will not under any circumstances disclose his/her Password to anyone, including anyone claiming to represent the Bank or to someone giving assistance on a technical helpdesk in connection with the service. It should be clearly understood that Bank employees do not need User's password for any reason whatsoever.
2.5. If User gives his/her Password to anyone or fail to safeguard its secrecy, he/she does so at his/her own risk because anyone with User Password will have access to his/her accounts.
2.6. If User forgets the Internet Banking password, he/she has to request for issue of a new password by sending a written request to NCCBL.
2.7. If Customer's password is lost or stolen, or is known by another individual, he/she must notify NCCBL immediately.
2.8. The User agrees and acknowledges that NCCBL shall in no way be held responsible or liable if the User incurs any loss as a result of information being disclosed by NCCBL regarding his Account(s) or carrying the instruction of the User pursuant to the access of the Internet Banking and the User shall fully indemnify and hold harmless NCCBL in respect of the same3. SERVICE SOFTWARE & HARDWARE REQUIREMENTS
3.1. User is solely responsible for the maintenance, installations and operation of User's computer and for the software used in accessing Internet Banking.
3.2. NCCBL shall not be responsibility if the Internet Banking System does not working properly due to the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, normal maintenance, unauthorized access, theft, operator errors, severe weather, earthquakes, floods and strikes, or other labor problems.
3.3. NCCBL will not be held responsible for any computer virus that affects customer's computer or the software while using Internet Banking or by accessing Internet Banking through the World Wide Web (WWW).4. CHARGES:
4.1. NCCBL reserves the right to change and recover from the User(s) service charges, as may be fixed time to time. The User hereby authorizes NCCBL to recover such charges from his/her account(s). Please refer to NCCBL's charges schedule for specific charges information.
4.2. Charges are subjected to change from time to time at NCCBL's discretion.5. UNAUTHORIZED/ FRAUDULENT ACTIVITIES:
5.1. Upon obtaining Customer ID and Password, User is requested to check the list of his/her accounts with NCCBL. If any of User account is missing, please inform this to NCCBL immediately. If a third party account is linked to User's ID, please inform this to NCCBL also. Do not access it or do not perform any transaction on that account. Such activity, if done, will be treated as fraudulent activity.
5.2. If User believes unauthorized transactions are being made with his/her account, he/she should change the Password immediately and notify the NCCBL.
5.3. The User should check the Statements for all of his/her accounts for any unauthorized transaction. In case of any discrepancy in details of any transactions carried out in respect of the account, in that event User should immediately inform NCCBL in writing.6. ANTI MONEY LAUNDERING:
6.1. Customer should agree and confirm that he/she will not use this Internet Banking facility for money laundering or violate any law related to the money laundering.
6.2. NCCBL reserves the right to demand explanation from the User regarding any matter pertaining to money laundering law of the country.7. PROPRIETARY RIGHTS:
7.1. The User acknowledge that the software underlying the Internet Banking as well as other Internet related software which are required for accessing Internet Banking are the legal property of the respective vendors.
7.2. The permission given by NCCBL to access Internet Banking will not convey any proprietary or ownership rights in such software.
7.3. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Internet Banking or create any derivative product based on the software.8. GOVERNING LAW:
8.1. These Terms and/or the operations in the Accounts of the User shall be governed by the Laws of Bangladesh, in force.
8.2. NCCBL may, in its absolute discretion, commence any legal action or proceedings arising out of the Terms for Internet Banking in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction.
8.3. Any provision of the Terms for Internet Banking which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of the Terms or affect such provision in any other jurisdiction.9. CHANGES OF TERMS:
9.1. NCCBL shall have the absolute discretion to amend or supplement any of the Terms at any time and will attempt to give prior notice of fifteen days for such changes wherever feasible. Such change to the Terms shall be communicated to the User. By using any new services as may be introduced by NCCBL, the User shall be deemed to have accepted the changed Terms.10. TERMINATION ON INTERNET BANKING:
10.1. The User may request for termination of the Internet Banking any time by giving a written notice of at least 15 days to NCCBL. The termination shall take effect on the completion of the fifteenth day.11. BREACH OF TERM & CONDITIONS:
11.1. User must compensate for any loss that occurs as a result of his/her breaking any term of these agreements.PERCAUTIONARY NOTE:
In order to prevent unauthorized transaction through Internet Banking Service, Users are advised to strictly maintain the following:
1. The password should not be written anywhere.
2. User should make sure that no one is physically watching my passwords when he/she is Logging in.
3. It is important to remember to click 'Log out' after completing his/her Internet Banking session.
4. User should not leave his/her PC unattended with the browser running and a valid user name and Password cached as in such case anyone can gain access to the account.
I hereby acknowledge that I have read and understand the aforesaid terms and conditions and risk involved in Internet Banking operation and agree to comply with them.
If you need help with the log in process of Internet Banking or have technical questions, please call NCCBL
NCCBL SMS & Alert Banking Help Desk at 9565659, 9515317, 7116858 Ext: 107
Internet Banking Support can be reached via e-mail at email@example.com
Or write to:
NCCBL Internet Banking Help Desk
Information Technology Division
NCC Bank Bhaban
13/1, 13/2, 17th Floor
Toyenbee Circular Road
Motijheel, Dhaka -1000