Be certain that the Banks website that you visit is the real website. It is advisable to always go through all your bank statements, credit card statements, etc., and check to make sure everything is in order. If you do find something suspicious, contact the bank immediately. Make sure you keep your password and account login information in a safe and secure place. Never share this information with anyone, especially through email. When you come up with passwords, never use birthdates or social security numbers. Do keep your anti-virus protection software up to date on your computer. Always completely log off from your online banking website. Do not simply press "X" to close the website. Change any of the auto-generated passwords you are given when you first open up an online bank account. Keep up to date on all the information about your online banks security measures. It is highly recommended to keep a record of all your online transactions.
Do not send personal information to anyone through email. You may think it is secure, but it is not. Do not give out your personal information over the telephone unless you are absolutely certain of who you are dealing with. You also need to know what this person want to do with your information before you give it to them. Do not have other browsers open at the same time while doing your Internet banking transactions. Do not open emails from people you do not do business with. If you ever get an email from your bank asking you for personal information, call the bank first before anything else. Ask them about the email and make the appropriate inquires. Do not use cyber cafes to access our Internet Banking Site. Do not use the same password for all your online accounts. Using special characters like # $ @ etc. in your password is highly recommended.
If you receive an e-mail claiming to be from T Bank Ltd. regarding updating sensitive account information or asking for verification of your identity or account login by clicking on a link provided within the email, DO NOT act on the mail and delete such mails from your mailbox. Please also let us know by forwarding the e-mail to email@example.com or call us.
The following Terms and Conditions govern your use of Personal Internet Banking offered by T Bank Ltd for accounts held at T Bank Ltd. By using Personal Internet Banking, you agree to these Terms and Conditions. These terms and conditions specify the rights and duties of Customer (you) and the T Bank (us) in connection with your use of the Service. All the terms and conditions form the part of the Agreement with the signing of the Application by the customer and T Bank. These terms and conditions are legally binding upon the customer. Therefore, it is important to read them carefully before you sign the application. These terms and conditions supersede all earlier terms and conditions relating to the Service, if any, except where we advise you otherwise. The terms and conditions apply to the individual accounts and company accounts that you may access while availing the service. If there is a conflict between the terms and conditions of this Agreement and any other relevant terms and conditions, these new terms and conditions shall prevail. These terms and conditions relate to:
Account holders who do not have an account with T Bank for these purposes cannot make account enquiries.
By agreeing for these terms and conditions at the time of login, you agree to be legally bound by the same. These terms and conditions are subject to change from time to time. Any changes shall be notified to you online or in written.
The requirements as prescribed by T Bank for the purpose of due authentication shall be complied and confirmed by the customer, which shall be as hereunder. The customer hereby do agree to conform to the prescribed authentication procedure and security measures required for transactions and shall undertake all reasonable measures to ensure that the login/transaction password is not revealed to any other person (third party), whatsoever.
The various compliance in respect of customers are:
The Bank and the User may give notices under these Terms and Conditions:
In addition, the Bank may also publish notices of general nature, which are applicable to all Users of net banking on its web site. Such notices will have the same effect as a notice served individually to each User and or that of a notice published in a newspaper of print media.
The user accepts and unconditionally agrees to the following:
The User shall indemnify and hold the Bank harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of arising out of providing e-banking facility or by reason of the Bank in good faith taking or refusing to take or omitting to take action on any instruction given by the User.
The User is responsible for the correctness of information provided to the Bank through the use of e-banking or through any other means such as electronic mail or written communication. The Bank accepts no liability for the consequence arising out of erroneous information provided by the User. The user shall at periodic intervals check the correctness of the statement and shall inform the Bank about any discrepancies that may occur. However, Bank does not accept any liability. All outputs of statements are duplicate statements of account and will be prepared by electronic means and the information contained therein will be extracted from a computerised back-up system maintained by the Bank. While the Bank will take all reasonable steps to ensure the accuracy of the statement, the Bank is not liable for any error. The User shall hold the bank harmless against any loss, damages, etc. that may be incurred /suffered by the User if the information contained in the above said outputs turns out to be inaccurate / incorrect.
T Bank reserves the right to charge and recover from the user, service charge for providing the NETBANKING/SMS BANKING service (including but not limited to the right of charging the user for the use of funds transfer). The user hereby authorizes T Bank to recover the service charge by debiting one of the Accounts of the user or by sending a bill to the user who shall be liable to make the payment within the specified period. Failure to do so shall result in recovery of the service charge by the T Bank in a manner as the T Bank may deem fit along with such interest, if any, and/or suspension of the facility of NET BANKING/SMS BANKING without any liability to the T Bank.
The user can request for issuance of a cheque book and he/she has to collect it from the branch respectively.
The user shall not use or attempt to use e-banking for funds transfer without sufficient funds in his account or without a pre-existing arrangement with the Bank by way of Cash Credit/overdraft. The Bank will endeavor to effect such funds transfer transactions received through e-banking provided there are sufficient funds available in the Userís account. The Bank shall not be liable for any omission to make funds transfer (s) due to circumstances beyond the reasonable control of the Bank.
The User alone shall be liable for any loss from unauthorised transactions in the e-banking accounts if he has breached the terms or contributed or caused the loss by negligent actions such as the following:
The Bank shall in no circumstances be held liable by the User if e-banking access is not available in the desired manner for reasons including but not limited to natural calamity, floods, fire and other natural disasters of any kind, legal restraints, faults in the telecommunication network or Internet or network failure, power breakdown or UPS breakdown, software or hardware failure and or error or any other reason beyond the reasonable control of the Bank. The Bank shall in no way be liable for any loss or damage that may occur due to hacking of the account by any persons other than the user, which fits in the definitions of a 'Cyber Related Crime' as accepted internationally. The Bank shall under no circumstances be liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the User or any other person.
The bank has the absolute discretion to amend or supplement any of the Terms at any time without prior notice to each user about the same. The changes so made will be available on the website of the bank which the customers are requested to refer to from time to time. Proposed and existing users to the services are advised to confirm themselves about the terms and conditions contained therein to take note of any changes, modifications and/or amendments which may be made to the scheme from time to time by the Bank. The bank may introduce new services within e-banking from time to time. The existence and availability of the new functions will be displayed on the bankís website along with the revised/changed terms and conditions applicable to such other e-banking services. By using the services, it is deemed that the User agrees to be bound by the terms and conditions applicable.
The customer hereby agrees to use the website strictly for his/her/its internal use and not for any illegal purpose or in any manner inconsistent with the terms and conditions. The customer agrees not to use, transfer, distribute or dispose of any information contained in the website in any manner that could compete with the business of T Bank or otherwise is against the interests of T Bank. The customer agrees to notify T BANK (in writing) promptly upon becoming aware of any unauthorized access or use of the website by any party or any claim that website infringes upon any copyright, trademark or contractual, statutory or common law rights. The customer is allowed to download and retrieve data from the website on his/her/their/its computer screen, print individual pages on paper, photocopy and store such paper in an electronic form on desk for his/her/their/its exclusive personal use only. The customer further acknowledges that all the intellectual property in the website and the service provided continues to vest with T BANK and the customer shall not claim any right hereafter.
The customer specifically agrees to hold T BANK harmless from any and all claims and agrees that T BANK shall not be liable for any loss, actual or perceived, caused directly or indirectly by government restriction, market regulation, war, strike, virus attack, equipment failure, communication line failure, system failure, data corruption, security failure on the internet, unauthorized access, hacking, theft or any problems technological or otherwise or other condition beyond T BANK's control, that might prevent the customer from entering or T BANK from executing an instruction, order or direction. Customer further agrees that customer will not be compensated by T BANK for the orders, instructions or directions which could not be executed.
The customer agrees that he/she/they/it shall be able to exercise the right to close the account(s) with T BANK, only if there is no obligation pending to be met by the customer towards T BANK.
The customer hereby acknowledges and agrees that any rights not expressed herein are reserved. The customer also agrees that the terms and conditions are subject to change from time to time and all the customers shall be automatically bound by such changes, irrespective of the time taken in displaying on the net. In the event of failure to intimate the same, T Bank shall not be responsible for any action by the user whose authority has been revoked by the Customer.
The duties of customers under these terms and conditions shall continue to be in full force and effect, notwithstanding the termination of the NET BANKING/SMS BANKING Services. The termination of the services shall be without prejudice to any accrued right of T Bank.
The facilities granted under NETBANKING/SMS BANKING services to customer/user are not transferable under any circumstances.
Any dispute arising between the parties hereto in connection with the validity, interpretation or implementation of this agreement, the matter shall be resolved mutually to the extent possible. If a mutual resolution is not possible, the matter shall be referred to Royal Court of Justice, Bhutan.
The User may request for cancellation of the e-banking facility any time by giving a reasonable notice to the Bank. The User will remain responsible for any transactions made in his accounts through e-banking prior to the time of such cancellation of the e-banking Service as informed by Bank after accepting such request. The Bank may withdraw the e-banking facility anytime provided the User is given reasonable notice. The closure of all Accounts of the User will automatically terminate the e-banking service. The Bank may suspend or terminate e-banking facilities without prior notice if the User has committed breach of these terms and conditions or the Bank learns of the death, bankruptcy or legal incapacity of the User.
T Bank has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on T Bankís records, by posting notice in branches of T Bank, or as otherwise permitted by law Bank has the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to T Bank. T Bank is not responsible for any fixed payment made before T Bank has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by T Bank on your behalf.
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