HFC BANK INTERNET AND MOBILE BANKING TERMS AND CONDITIONS

HFC BANK INTERNET AND MOBILE BANKING TERMS AND CONDITIONS

 

Please read these Terms and Conditions prior to using HFC Bank Internet and Mobile Banking. You will be deemed to have read and accepted these Terms and Conditions when you first log in. Please note that within these Terms and Conditions, the Internet and Mobile Banking refers to HFC Bank Internet and Mobile banking.

Introduction

This agreement contains the Terms and Conditions that govern your use of HFC Bank’s Internet and Mobile Banking services. By accessing your accounts using the services provided by Internet and Mobile Banking, you agree to be bound by these Terms and Conditions. If you have any questions or do not understand this agreement, please contact us prior to your use of HFC Bank’s Internet and Mobile Banking.

Mobile Banking is an extension of the facility offered by Internet Banking. It is not a standalone product.

Not all mobile devices are capable of accessing and supporting Mobile Banking. It is your responsibility to ensure any mobile device you use to access Mobile Banking is compatible and capable of supporting Mobile Banking. We will not be responsible for any damage or loss to a mobile device as a result of your access or use or attempted access or use of Mobile Banking.

You should check with the telecommunication provider for your mobile device whether you will be able to access Mobile Banking. We are not liable for any additional costs you may incur to access Mobile Banking.

If you have not previously agreed in writing that you have read, understand and agree to be bound by these Terms and Conditions, ticking the ‘I Accept’ box on the HFC Bank Internet and Mobile Banking Web Site at your first log in will constitute your acceptance of these Terms and Conditions.

The Terms and Conditions of the deposit agreements and disclosures for each of your accounts and your other agreements with HFC Bank such as Terms and Conditions related to loans continue to apply notwithstanding anything to the contrary in this Terms and Conditions.

Definitions
As used in this Terms and Conditions, the words “we,” “our,” “us,” and “Bank” mean HFC Bank. “You” and “your” refer to the accountholder authorized by HFC Bank to use HFC Bank’s Internet and Mobile Banking services under this agreement and anyone else authorized by that account holder to exercise control over the account holder’s funds through Internet and Mobile Banking.

Account(s) refers to your Bank Account and/or Loan Account or any other type of account you maintain with HFC Bank which are eligible Account(s) for operations through the use of HFC Bank Internet and Mobile Banking.

Address Book allows you to store payment details of regular payees such as monthly HFC Bill Payment or Rent, or weekly allowance to family for ease of reference.

Alerts means the customized messages sent as Short Message Service (SMS) to the customer over his/her mobile phone e.g. Loan repayment is due etc.

Authentication – a security measure designed to protect a communications systems. It is a means of identifying individuals and verifying their eligibility to send or receive funds. Evidence by proper signature or seal that a document is genuine and official.

 

Authority To Operate applies where the Account Holder is an entity (business account) and one or more persons have Authority to Operate the account to perform certain tasks on HFC Bank Internet and Mobile Banking.

HFC Bill Payment is a function on HFC Bank Internet and Mobile Banking which allows you to send instructions to HFC Bank to make immediate or future-dated transfers to nominated Billers from your linked accounts.

Biller is an organization and a service provider which has registered with HFC Bank to receive payments from HFC Bank customers via Internet and Mobile Banking.

Business day means Monday through to Friday, excluding public holidays.

Cellular Device – a mobile phone that can make and receive phone calls over a radio link while moving around a wide geographic area. It does so by connecting to a cellular network provided by a mobile phone operator, allowing access to the public telephone and network.

Customer means a person having Account(s) with HFC Bank.

Cut-off Times – this refers to the 11am and 2pm cut-offs for initiating transfer of fund requests to other banks via Internet Banking, from Monday to Friday (excluding Public Holidays). Any transfer of fund request initiated after 2pm will be actioned on the next business day. Note however that your HFC Bank account will get updated immediately with the transfer amount.

Daily Limits – a standard daily limit applicable on payment requests sent by internet/mobile banking.

Email is a function on HFC Bank Internet and Mobile Banking which allows you to contact HFC Bank via email to make enquiries about your Internet and Mobile Banking or your accounts.

External Account in HFC Bank Internet and Mobile Banking facility refers to accounts held with other banks.

Internet and Mobile Banking is a service provided by a bank to you. Some of the services may include viewing account balances and transactions, transferring funds between your own accounts, making payments to other banks and making HFC Bill Payment.

Internet service refers to the Internet service provider you use or the type of Internet you have. Different providers will offer different types of services.

Member Login – It is a 9-digit number provided to you by HFC Bank. It is your first log-in code when logging on to Internet Banking.  It enables you to log on to Internet and Mobile Banking, and assists HFC Bank to identify you when you access HFC Bank Internet and Mobile Banking.

 

Mobile Banking – is a system which allows customers of the Bank to conduct a number of financial

transactions through a mobile device such as a mobile phone or tablet.

Mobile Device – is a portable computing device such as smartphone or tablet computer.

Money Transfer means transfers to and from your HFC Bank Accounts using Internet and Mobile Banking.

Multiple Transfers allows you to set up and make regular payments. This feature may be suitable for small businesses or it can be used by anyone. It allows you to set up individual and recurring credits, and enables payments with variations at regular intervals.

Order Deposit Book function on HFC Bank Internet and Mobile Banking allows you to order a deposit book which can be collected from a branch.

 

Password is a confidential, sequence of a minimum of 8 and a maximum of 16 alphanumeric and unique characters, which is used in conjunction with the Member Login code to access HFC Bank Internet and Mobile Banking.

Prime or Primary Account is the Account nominated by you as the Primary linked account for the purposes of HFC Bank Internet and Mobile Banking and the address of which will be used to confirm your registration and any future changes to your HFC Internet and Mobile Banking access.

Redraw – is the option customers have on internet and mobile banking to withdraw the extra money they

have paid into a loan account quickly and conveniently (redraws are not available on revolving loan accounts).

 

Registered Users – one who uses a program or a website and provides his/her credentials, effectively proving his/her identity.

SMS One Time Password – is a 6-digit code received on your registered mobile phone, and is a 2nd layer of security for internet banking.

 

Standing Order is a function on HFC Bank Internet and Mobile Banking which allows you to schedule a payment request for a future date to your own account or to another HFC Bank account or to another Bank.

Statement option allows you to view a statement of your linked accounts on HFC Bank Internet and Mobile Banking.

Stop Cheque is a function on Internet Banking which allows you to place a Stop Payment Notice on a lost/stolen cheque or cheque book.

Telecommunication Provider – is a type of communications service provider that has provided telephones

and similar services.

 

Third Party account – in a transaction, it is a business deal involving a buyer, a seller and a third party.

For example, a HFC customer may pay funds through Mobile banking to another customer who maintains

an account with HFC Bank.

 

Transaction – is an exchange or transfer of funds that occurs between two or more parties.

 

Transfer from External Account is a feature of HFC Bank Internet and Mobile Banking which allows you to move money electronically from your accounts held with other Banks, to your HFC Bank account. You must be a signer on the external account. Pre-registration is required in order to utilise this facility.

Transfer Money is a function on HFC Bank Internet and Mobile Banking which allows you to transfer funds between your eligible linked accounts at HFC Bank, and to other accounts under a different name within HFC Bank. It also allows transfer of funds to other banks.

Pre-requisites for Using HFC Bank Internet and Mobile Banking

In order to register to and utilize the HFC Bank Internet and Mobile Banking service, you must be at least eighteen years of age. You must also fulfill all registration requirements specified by HFC Bank from time to time. This includes completing all necessary agreements and documents relating to or in connection with HFC Bank Internet and Mobile Banking.

 

Necessary Conditions for using HFC Bank Internet and Mobile Banking Access

To use HFC Bank Internet and Mobile Banking, you must have at least one account at HFC Bank, and access to Internet service and an email address. You must complete a HFC Bank (Personal or Business) registration form and agree to the Terms and Conditions set forth in the agreement. Once we have received the completed application form and registered you to Internet and Mobile Banking, we will contact you to issue a Member Login and Password.

HFC Bank reserves the right to decline any applicant which does not meet its Internet and Mobile Banking requirements. All customers must complete and return the HFC Bank Internet and Mobile Banking Registration Form to a HFC branch.

Internet and Mobile Banking can be used to access only the Accounts that you have authorization to access or link. We undertake no obligation to monitor Internet and Mobile Banking transactions to determine that they are made on behalf of the account holder or for duplicate transactions entered by different users for the same account.

Internet and Mobile Banking Services

You can use Internet and Mobile Banking to check the balance of your Accounts, view Account history, transfer funds between your linked Accounts, transfer funds to other customer’s accounts with HFC Bank, transfer funds to other local banks, request for transfer of funds from another bank where you hold an account under your name, pay bills from your Accounts in the amounts and on the dates you request, make stop payment requests, order deposit book and download statements. Balance and activity information are normally available immediately, within the limitations of communication and computer systems. You can use HFC Bank Internet and Mobile Banking seven days a week, twenty-four hours a day, although Internet and Mobile Banking service may not be available occasionally due to emergency or scheduled maintenance.

Applicability of Terms and Conditions

 

The Terms and Conditions mentioned herein below form the binding contract between you and the HFC Bank for the Internet and Mobile Banking services.  You may apply to the Bank in the prescribed form for use of Internet and Mobile Banking. The Bank shall be entitled, at its sole discretion, either to accept or to reject such applications. By applying for Internet and Mobile Banking for the first time, you acknowledge and accept the Terms and Conditions mentioned herein.

You shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any person voluntarily, accidentally or by mistake.  HFC Bank does not assume any responsibility on your behalf.

HFC Bill Payment

Upon creation of the Biller Account/s; i.e. the Biller nominated account which will be credited as necessary for payments, you hereby confirm that you have fully read and understood all the Terms and Conditions of Internet and Mobile Banking Services.

Theft and Fraud

You agree and acknowledge that it is your sole responsibility to keep all passwords and Internet and Mobile Banking codes confidential and HFC Bank shall have no liability/responsibility whatsoever in this regard. If these confidential information is lost or stolen or fraudulently used by anyone for any reason whatsoever, then you as customer are solely responsible for all usage/transactions incurred/conducted using HFC Bank Internet and Mobile Banking.

If HFC Bank, at its sole discretion, chooses to pursue any investigation or enquiry or prosecution of the loss or theft, you agree to cooperate in such investigation/enquiry/prosecution and to provide HFC Bank with such information and documents as  HFC Bank informs you from time to time (including but not limited to affidavits and police reports). It is, however, clarified that HFC Bank shall be under no obligation to you to initiate or pursue any such investigation/enquiry/prosecution. You agree that you need to mandatorily reset your login credentials and ensure safety in case there are any suspicious or fraudulent activity which have come to your knowledge or have been brought to your notice by the bank, failing which you shall be solely responsible for any and all eventuality including any misuse of your login credentials and any loss or damage arising out of such misuse or fraud.

Applicability of Terms and Conditions

The Terms and Conditions mentioned herein form the binding contract between you, the Customer, and the HFC Bank for the Internet and Mobile Banking Services. As an interested Customer you shall apply to the HFC Bank in the prescribed form for use of Internet and Mobile Banking.  HFC Bank shall be entitled, at its sole discretion, either to accept or to reject such applications. By applying for HFC Bank Internet and Mobile Banking for the first time, you acknowledge and accept the Terms and Conditions mentioned herein.

 

 

Security Procedures
You acknowledge and agree that you have approved and will abide by the security procedures set forth in this agreement and any other security procedures established by  HFC Bank that are presented to you in the future. You also acknowledge and agree that these procedures are commercially reasonable and adequate for the purpose intended.

For security purposes, you determine what password you will use when requested to change password; the identity of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon four unsuccessful login attempts using your password, your access to HFC Bank Internet and Mobile Banking will be suspended. To re-establish your access to HFC Bank Internet and Mobile Banking, you must contact us to obtain a temporary password. We require that you create a password that utilizes both alpha and numeric 8 to 16 characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as address, date of birth or names of children, and should be memorized, not written down.

You understand the importance of your role in preventing misuse of your accounts through HFC Bank Internet and Mobile Banking, and you agree to promptly examine your monthly statement for each of your accounts as soon as you receive it. You understand that personal identification information by itself or together with information related to your account may allow unauthorized access to your account. Your password and Login Name are intended to provide against unauthorized entry and access to your accounts. You agree to log off HFC Bank Internet and Mobile Banking session when you have completed your transactions and understand that you will automatically be logged off after 15 minutes of inactivity.

Notwithstanding our efforts to ensure that our HFC Bank Internet and Mobile Banking system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including email, occur openly on the Internet and can potentially be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Internet and Mobile Banking transmitted to and from us, will not be monitored or read by others.

Indemnity

In consideration of  HFC Bank providing you the Internet and Mobile Banking service, you shall indemnify and hold  HFC Bank including its officers, employees and agents, indemnified against all losses and expenses on full indemnity basis which  HFC Bank may incur, sustain, suffer or is likely to suffer in connection with  HFC Bank executing your instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges, liabilities, penalties, disbursements and expenses of any kind as a consequence or by reason of providing a service through HFC Bank Internet and Mobile Banking or for any action taken or omitted to be taken by  HFC Bank, its officers, employees or agents, on the instructions of you the Customer. You will pay to the Bank such amounts as may be determined to be sufficient to indemnify HFC Bank against any such, actions, claims, demands, proceedings, loss, damages, costs, charges, liabilities, penalties, disbursements or expenses even though they may not have arisen or are contingent in nature.

Posting of Transfers
Transfers between your own HFC Bank accounts and transfers to other HFC Bank accounts not in your name, initiated by you through HFC Bank Internet and Mobile Banking will transact immediately. Transfers to and from other banks initiated on a weekend or a Public Holiday will transact on the next business day.

Overdrafts (Order of Payments, Transfers, and other Withdrawals)
If your account has insufficient funds to perform all the electronic fund transfers you requested for a given business day, then:

  1. Electronic funds transfers involving ATM withdrawals will have priority.
  2. Electronic fund transfers initiated through Internet and Mobile Banking that would result in an overdraft of your account may, at our discretion, be cancelled.

 

Transaction Confirmation

A Transfer Receipt screen is displayed when you request for transfers. Printing the screen provides you with a transaction receipt that should be forwarded to the Bank if there are questions or errors involving the transaction. If printing capability is not available, the Receipt Number, date and time should be written down.

 

Daily Limits
A daily limit means the maximum daily cumulative amount for all transactions initiated through HFC Bank Internet and Mobile Banking.

The Daily Limit is applicable for all Account holders (individuals and entities) registered for HFC Bank Internet and Mobile Banking. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

 

Fees and Charges
You are responsible for telephone, Internet service fees, and expenses relating to your computer that you incur in connection with your use of Internet and Mobile Banking. Please also refer to HFC Bank’s fees and charges brochure for fees applicable on transfer of funds transactions.

Disclosure of Account Information and Transfers

You understand that information about your accounts or the transfers you make may automatically be disclosed to others. Information is also available to our employees, service providers, auditors, collection agents, or attorneys in the course of their duties and to the extent allowed by law. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly.

Liability

 

As the customer you agree and acknowledge that HFC Bank shall in no way be held responsible or liable if you incur any loss as a result of information being disclosed by the HFC Bank regarding your accounts or carrying out your instructions pursuant to the use of HFC Bank Internet and Mobile Banking and you therefore fully indemnify and hold harmless HFC Bank in that regard.

We will disclose information to third parties about your account or the transfers you make:

  • where it is necessary for completing the transfers;

 

  • in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant;

 

  • in order to comply with government agency or court order; or

 

  • if you give us written permission. We may also seek information about you from others, such as credit bureaus, in connection with the opening or maintaining of your account or in connection with approving your access to HFC Bank Internet and Mobile Banking. You agree and hereby authorize all of these transfers of information.

Periodic Statements

You will not receive a separate HFC Bank Internet and Mobile Banking statement. Transfers to and from your accounts using HFC Bank Internet and Mobile Banking will appear on the statements for your accounts.

Change In Terms And Conditions

HFC Bank reserves the right to make changes to this agreement at any time. Any changes will be advised to you 30 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our Internet and Mobile Banking system. If advance notice of the change is not required, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of HFC Bank Internet and Mobile Banking will indicate your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures.

 Errors or Questions

It is your responsibility to contact us immediately in case of errors, questions about electronic transfers, incorrect information on your statement or any concerns about the use of your password.

When you contact us please:

  • Tell us your name, account number, date, and Internet and Mobile Banking Login Name.
  • Describe the error and the value of transaction of the suspected error.
  • Provide a clear explanation of why you believe it is an error or why you need more information.

For telephone enquiries and cases that request further investigation, we require a written letter to be received by us within 10 business days.

From the date of receipt of your letter, we will investigate and communicate to you the results within 10 business days.

HFC Bank Liability

If we do not complete a transfer or a HFC Bill Payment to or from your Account on time or for the amount you requested, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your Account to make a transfer.
  • If a legal order directs us to prohibit withdrawals from the Account.
  • If your Account is closed, or if it has been frozen.
  • If the transfer or HFC Bill Payment would cause your balance to be overdrawn or to go over the credit limit of any established line of credit set up to cover overdrafts.
  • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
  • If any electronic terminal, telecommunication device, or any part of the Internet and Mobile Banking system is not working properly and you knew about the problem when you started the transfer.
  • If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken.

 

Your Responsibilities and Liability for Unauthorized Use

 

Your Internet and Mobile Banking Login details are important. If you disclose them to a third party, then there is a possibility that you may be at risk of becoming a victim of fraud. Criminals can use different methods to obtain your Internet and Mobile Banking details in order to defraud you. A common method is by way of an email purporting to be from your bank. This is known as a Phishing email. The email will state some reason which requires you to click on a link which will take you to a website. The reason given may be to ensure continued access to your Internet and Mobile Banking facility or perhaps to verify that you have received some funds. If you do click on the link then you will be asked to enter some or all of your Internet and Mobile Banking details such as the full Login Name and Password. We only ask for the numbers appearing before the alphabet in your account number which is used for logging in. The website that you go to after clicking on the link will probably look very convincing and appear genuine however this will be a hoax website, a website established with an intention to deceive or trick. HFC Bank will never request these details via email.

Should you receive such an email, please DO NOT follow the instructions nor respond. We will never ask customers to re-register security details by email. Such e-mails are an attempt to obtain your Internet and Mobile Banking Login details in order to remove funds from your bank accounts by way of deception or fraud. Should you receive an email like this, please do not respond and contact our Call Centre immediately

Contact us immediately if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised or if someone has transferred or may transfer money from your accounts without your permission. A phone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts plus your maximum overdraft line of credit, if any. You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission.

Termination
You may cancel your Internet and Mobile Banking service at any time by completing a Maintenance form. If your account is closed or restricted for any reason we may at any time cancel all or part of the Internet and Mobile Banking services we generally offer.

Cut-off times

Instructions received after a cut off time may not be processed until the next Business Day. This may be the case even if Internet and Mobile Banking shows a change in account balances resulting from the operation. Different cut off times apply to different instructions (11am and 2pm Monday to Friday, not including public holidays, for payments to other banks).We may vary cut-off times at any time. We will advise you of permanent or long term variations to cut off times, however, we may need to make temporary changes, in which case we may not give advance notice.

 

HFC BILL PAYMENT PROCESS

You will be able to make HFC Bill Payment to a list of Billers registered with HFC Bank.

When you login to Internet Banking, you can select the “Accounts” or “Payments” menu tabs.

 

Select your HFC Bank account number to pay the Bill.

  • In the Biller detail section, select ‘Pay New Biller’
  • if you are paying a Biller for the first time; Enter the first 3 digits of the Biller name in the ‘Search for a Biller’ box e.g. enter W-A-T
  • If paying Water Authority of Fiji for the first time; Click on search button.
  • Immediately Biller details for Water Authority will appear.
  • Thereafter you will be able to view Water Authority details in your drop-down list of Billers under Bill Payment.

 

The same process will apply for each new Biller you will pay for the first time.

Thereafter you can select the Biller Merchant from a drop-down list of available Billers.

 

Timelines for Processing HFC Bill Payment

Each HFC Bill Payment will be made directly to the Biller’s Nominated Account held with HFC Bank as an online payment in real time.

For Record Purpose

  • Record or print the confirmation receipt number for future reference.
  • Please Note that customer can save all their HFC Bill Payment requests under ‘Bill Pay Address Book’ option under Payments Menu. The next time the customer makes a HFC Bill Payment, the customer can access their Bill Pay Address Book and select the Biller for payment. The amount of payment can be changed if all other details of the Biller Merchant and the customer’s reference number remains the same.

Your Responsibility

Please note it is your responsibility to make payments on time and HFC Bank indemnifies itself from any cases of incorrect customer input of Biller Reference numbers, overdue payment dates, payment amounts and scheduled periodical payments.

 

Customer Queries

All queries and complaints raised by customers who have paid their bill but the Biller’s Nominated Account has not be credited with the same, can directly contact our Call Centre and lodge their query or customer complaint.

Our Call Centre Staff will take all relevant details including your name and contacts details.

The Call Centre Staff will try to resolve your issue the same day or within three (3) working days of receiving your call.

 

If HFC Bill Payment is received by the Biller with an invalid or un-identifiable reference

Or account number – Biller/Call Centre Team

The Call Centre Staff will request full details from the Biller including the name of the customer, Biller reference number amount paid, date paid and total of the listing on which customers name is appearing.

Call Centre Team must then contact you, confirm your Identification and request for correct biller details.

The Call Centre Staff will send an Email of the correct details to the respective Biller and request confirmation that it is your correct Biller payment details.

Then the Call Centre Staff will request for your HFC Bill Payment account to be updated the same day or within three (3) days by the Biller.

The Call Centre Staff will contact the customer the same day or by the next working day to confirm the HFC Bill Payment has been actioned accordingly.

 

Biller consent

If you inform us that a HFC Bill Payment was made in error, we will then require your written consent addressed to the Biller with the following information:

  • Name of Biller
  • Customer reference number registered with the Biller
  • Value of transaction
  • Date and time of transaction
  • Internet and Mobile Banking Receipt number

If you do not provide us with the written consent, the Biller may not be permitted under law to disclose to us the information we need to investigate or rectify that HFC Bill Payment.

Fees and Charges for HFC Bill Payment

Important note on payments

In instances whereby HFC Bank is unable to verify account details for non-HFC Bank accounts, and in circumstances where.  The details you have entered prove to be incorrect, in most cases the payment (or individual credit) will return to your account within 48 hours processed by the other financial institution. Please exercise caution when sending funds to third party accounts held at other Financial Institutions.

 

Governing Law

These terms and conditions and/or the operations in the accounts of the Customer maintained by the Bank and/or the use of the service provided through HFC Bank Internet and Mobile Banking shall be governed by the laws of Fiji Islands. You the customer and HFC Bank agree to submit to the exclusive jurisdiction of the Courts in Fiji Islands as regards to any claims or matters arising under these terms and conditions.  HFC Bank accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of Fiji Islands. The mere fact that HFC Bank Internet and Mobile Banking can be accessed by you in a country other than Fiji Islands does not imply that the laws of the said country govern these terms and conditions and/or the operations in the accounts you maintain and/or the use of HFC Bank Internet and Mobile Banking.

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Proprietary Rights:

You the customer acknowledge that the software underlying HFC Bank Internet and Mobile Banking as well as other internet related software which are required for accessing HFC Bank Internet and Mobile Banking is the legal property of HFC Bank. The permission given by the HFC Bank to access Internet and Mobile Banking will not convey any proprietary or ownership rights in the above software.

 

RTGS:

(Real-Time-Gross-Settlement): This functionality is used to transfer funds (as prescribed from time to time by the Reserve Bank of Fiji) to accounts in other banks online. This is an online transaction which is processed immediately. When a customer initiates the transaction before the cut-off time, the transfers are processed immediately. Transactions cannot be done after the cut-off time (2pm Monday to Friday). RTGS transaction can be scheduled to future date.

Joint Accounts

In case of Joint Accounts, financial transactions through HFC Bank Internet and Mobile Banking service, will be available only if the mode of operation is indicated as ‘either of’’ or ‘anyone’. The customer desirous of using the HFC Bank Internet and Mobile Banking service should either be the account holder and sole signatory or authorised to act independently in case of a Joint account. For such Joint accounts, one Login Name and password for Internet and Mobile Banking will be issued to each of the Joint account holders when requested. The Joint account holders shall expressly agree with the arrangement and give their consent on the application form for use of HFC Bank Internet and Mobile Banking. In case of joint accounts operated by more than one customer, HFC Bank shall act on the instructions received first and any subsequent instruction shall be neglected. All correspondence will be addressed to the first named person only. All transactions arising from the use of HFC Bank Internet and Mobile Banking in the Joint account shall be binding on all the Joint Account holders, jointly and severally.

 

Transaction from Joint Accounts

Accounts with ‘And’ operation also can be transacted through Internet and Mobile Banking. For example, any account which has ‘All jointly’ as mode of operation and it has 2 holders in the account, anyone can login and initiate a transaction in the account. Once he/she has completed initiating the transaction, he/she must select the ‘STORE’ button to save the transaction. The joint holder can login from any location and select ‘Pending Authorizations’ to authorize the transaction for processing.

 

 

Customer Authority

  • You the customer hereby irrevocably and unconditionally authorize HFC Bank to access all your information including your bank account details for effecting banking or other transactions performed by you through HFC Bank Internet and Mobile Banking. Your instructions shall be effected only after authentication in accordance with the prescribed procedure. HFC Bank shall have no obligation to verify the authenticity of any transaction received from you other than by these means of verification.
  • The read-out, the faxed /email output or the printed output, if any, that is received by you at the time of operation of HFC Bank Internet and Mobile Banking service is a record of the operation of the transaction by you and shall not be construed as HFC Bank’s own record of the transaction maintained through HFC Bank’s computer system or otherwise and shall not be accepted as conclusive and binding evidence for all purpose. All the records of HFC Bank generated by the transactions arising out of the use of HFC Bank Internet and Mobile Banking service, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transaction.
  • While HFC Bank shall endeavor to carry out your instructions promptly, it shall not be responsible for any delay in carrying out the instructions due to any reason whatsoever, including due to failure of operational systems or any requirement of law/regulations.

 

Anti-Money Laundering and Counter-Terrorism Financing Obligations

Please be advised that in order for HFC Bank to meet its regulatory and compliance obligations we will be increasing the levels of control and monitoring.
You should be aware and you agree that:

  • Transactions may be delayed, blocked, frozen or refused where we have reasonable grounds to believe that they breach the laws of Fiji Islands or sanctions (or the law or sanctions of any other country). Where transactions are delayed, blocked, frozen or refused HFC Bank and its correspondents are not liable for any loss that you may suffer (including consequential loss) howsoever caused in connection with your use of HFC Bank Internet and Mobile Banking;
  • We may from time to time require additional information from you to assist us in the above compliance process; and you must provide that information;
  • Where legally obliged to do so, we will disclose the information gathered to regulatory and/or law enforcement agencies, other banks, other members of the HFC Bank, service providers or to other third parties.

You hereby provide HFC Bank the following undertakings and indemnify HFC Bank against any potential losses arising from any breach by you of such undertakings:

  • You will not initiate, engage in or effect a transaction that may be in breach of Fiji Islands law or sanctions (or the law or sanctions of any other country); and
  • The underlying activity/product for which HFC Bank Internet and Mobile Banking is being provided does not breach any laws of Fiji Island  or sanctions (or the law or sanctions of any other country).

Disclaimer of Warranty and Limitation of Liability

We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with HFC Bank Internet and Mobile Banking service provided to you under this agreement. We do not and cannot warrant that Internet and Mobile Banking will operate without errors, or that any or all Internet and Mobile Banking services will be available and operational at all times.

Except as specifically provided in this Terms and Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this agreement or by reason of your use of or access to Internet and Mobile Banking, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of HFC Bank exceed the amounts paid by you for the services provided to you through Internet and Mobile Banking.

You are solely responsible for your own equipment to access our HFC Bank Internet and Mobile Banking service including, but not limited to, the computer, and Internet access and browser software. HFC Bank is not responsible for errors, delays, or inability to access Internet and Mobile Banking caused by your equipment or software.  HFC Bank is not responsible for the cost of upgrading equipment to stay current with the Internet and Mobile Banking system nor is the HFC Bank responsible for any damage to your equipment or the data resident thereon. It is your responsibility to protect your computer from all computer threats, such as viruses.

 

HFC Bank shall not be responsible for any failure on your part to utilize the facility due to not being within the geographical range within which the facility is offered and which forms part of the roaming network of such cellular service provider, provided services to you avail such roaming facility from the respective cellular phone service provider. If you have reason to believe that the Mobile Phone Number is / has been allotted to another person and / or there has been an unauthorized transaction in the Account and / or your mobile phone handset is lost, you shall immediately inform HFC Bank of the same.

 

You agree that HFC Bank shall not be liable if:

 

  1. a) You have breached any of the terms and conditions, contained herein or
  2. b) Have contributed to or the loss is a result of failure on your part to advise HFC Bank within a reasonable time about unauthorized access of or erroneous transactions in the Account by use of the Facility; or
  3. c) There has been an unauthorized transaction in the Account as a result of any person having control or custody of telecommunications instrument (such as the mobile handset) so that such instrument may be used to give telecommunications instruction without authorization.

 

SMS One Time Password Security

SMS One Time Password service is a password or code received on your registered mobile phone and is valid for only one login session or transaction, on a computer system or other digital device.

Your SMS One Time Password security code is personal to you and can only be used with your internet banking access code. It provides an additional level of security for your internet banking session and cannot be shared with anyone else.

 

You can cancel your SMS One Time Password security service at any time by calling our Call Centre on 132001 or 5500 Monday to Friday, between 8am to 5pm.

 

You must provide to us your preferred Mobile phone number where you would like to receive SMS One

Time Password.  SMS One Time Password will expire within 10 minutes of receiving it on your mobile phone.

 

The types of accounts you can access will not change when you activate your SMS One Time Password security. However, once activated you will need to use this extra layer of security every time you use internet banking.

 

You will need to enter the code displayed on your mobile phone during the login process.

 

If you lose your mobile phone and its number has been recorded with us for SMS One Time Password security, you must advise us immediately. Your SMS security will be deactivated and you will be required to request your SMS One Time Password by completing an Internet Banking Maintenance form if you wish to re-activate this service.

 

Note that a fee of $0.30 per SMS OTP will be charged to your operating HFC Bank account on a monthly basis.

 

If after reading this information you have any questions about SMS One Time Password, please call us on 132001.

 

Alerts Service/Facility

Alerts means the customized messages sent as Short Message Service (SMS) to your mobile phone.

The facility is made available to customers, at the sole discretion of the Bank and may be discontinued by the Bank at any time, without notice.

 

 

CSP” means the cellular or mobile phone Service Provider with whom the Bank has an arrangement for providing the facility.

This facility is currently available only to Customers who have accounts with the HFC Bank in Fiji.

The facility is available in certain specific regions and to subscribers of mobile phones of certain specific CSPs in Fiji. Unless you are a subscriber of any of the specific CSPs, the facility may not be available.

The Bank may, if feasible, extend the facilities to other cellular circles as well as to subscribers of other mobile phone service providers, as will be notified by the Bank, from time to time.

Only one mobile number per customer can be registered for this Facility.

You as a customer acknowledge that Alerts will be implemented in a phased manner. The Bank may, from time to time, change the features of any facility for Alerts.

The Bank shall transmit the Alerts to your mobile phone number registered by you with the Bank and/or as may be updated from time to time by you.

You hereby acknowledge that any such information disclosed shall be deemed to have been made solely to you. The Bank shall not be under any duty to verify the authenticity of the person receiving the Alerts/information. You are responsible for the accuracy of your mobile phone number and/or email address and/or any other account information registered with the Bank and you shall be solely responsible for intimating to the Bank any change in your phone number or email address or Account details. You shall immediately inform the Bank, in writing, if your mobile is lost or has been allotted to another person. The Bank shall endeavor to record any changes informed by you regarding your personal details and mobile number, within a reasonable period of time and you agree that the Bank cannot be held liable for any delay or error in this regard.

You acknowledge that in order to receive Alerts, your mobile phone must be in an “on” mode. If your mobile phone is switched “off” for a continuous period of 48 hours from the time of delivery to the CSP of an Alert message by the Bank, that particular message may not be  delivered to you.

You acknowledges that the facility is dependent on the infrastructure, connectivity and services provided by the mobile service providers engaged by the Bank. You accept that timeliness, accuracy and readability of Alerts sent by the Bank will depend on factors affecting the mobile service providers. The Bank shall not be liable for non-delivery or delayed delivery of Alerts, error, loss or distortion in transmission of Alerts to you.

In case you observe any error in the information provided by the Bank through this facility, you shall immediately inform the Bank and the Bank in turn will make the reasonable efforts to rectify the error as soon as possible

The Bank shall endeavor to provide the facility on a best effort basis and you shall not hold the Bank liable for non-availability of the facility or non-performance by a mobile service provider, or any loss (whether direct, indirect or consequential) or damage caused as a result of use of the facility for causes which are not attributable to the Bank. The Bank shall not be liable in any manner in connection with the use of the facility.

You accept that each Alert may contain certain account information relating to you. You may authorize the Bank to send account related information, though not specifically requested, if the Bank deems that the same is relevant.

You may authorize the Bank to send any message to you, such as promotional, greeting or any other message that the Bank may consider appropriate. You agree to an ongoing confirmation for use of name, email address and mobile number for marketing / merchandising offers between Bank and other companies.

The mobile number given in the form shall be updated as the primary contact number for you.

You the customer undertake to provide accurate and complete information wherever required and shall be solely responsible for the correctness and completeness of information provided by you to the Bank at all times, including, but not limited to, for the purposes of availing of the facility. The Bank shall not be liable for consequences arising out of erroneous information supplied by you. If you suspect that there is an error in the information supplied by the Bank to you, advise the Bank as soon as possible. The Bank will endeavor to correct the error wherever possible on a best efforts basis.

The Bank may, in its discretion, withdraw temporarily or terminate the alerts facility, either wholly or in part, at any time. The Bank may, without prior notice, suspend the facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Facility.

 

The Bank may at its sole discretion revise the charges / fees for use of the Alerts facility, by notice to its customers. You may at any time discontinue or unsubscribe to the Alerts facility. You shall be liable for payment of such airtime or other charges which may be levied by the mobile service provider in connection with the receiving of the Alerts, as per the terms and conditions of the service provider and the Bank is in no way concerned with the same.

 

Disclaimer – Alerts

The Bank shall make all reasonable efforts to ensure that your personal/account information is kept confidential. The Bank does not warrant the confidentiality or security of the messages whether personal information or account information or otherwise, transmitted through the facility. The transmission of the messages, however, cannot be guaranteed to be completely secure and the Bank will not be liable for loss of any information/instructions /Alerts in transmission nor be responsible for security of the transmission.

No information provided through the service shall be regarded as an offer or invitation by the Bank to buy or sell any goods, products, services or securities nor are such information intended to directly or indirectly offer investment, legal, accounting, tax or financial advice to any party.

The Bank will not be concerned with any dispute between you and the service provider, and makes no representation or gives no warranty with respect to the quality of the service provided by the service provider or guarantee for timely delivery or accuracy of the contents of each Alert.

 

Disclosure – Alerts

You accept that all information will be transmitted to and/or stored at various locations and be accessed by personnel of the Bank (and any of its Affiliates). The Bank is authorized to provide any information or details relating to the customer or his account to the mobile service provider or any service providers so as to enable them to provide any services to the Customers.

 

Liability and Indemnity – Alerts

The customer shall not interfere with or misuse in any manner whatsoever the Alerts facility, and in the event of any damage due to improper or fraudulent use by the customer, you the customer shall be liable in damages to the Bank. In consideration of the Bank providing the facility, you agree to indemnify and keep safe, harmless and indemnified the Bank from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever the Bank may at any time incur, sustain, suffer or be put to as a consequence of or arising out of acting in good faith acting on omitting or refusing to act on any instructions given by use of the facility. You shall indemnify the Bank for unauthorized access by any other person to any information given by the customer or breach of confidentiality.

You agree to indemnify, defend and hold harmless, the Bank from any losses occurring as a result of:

  1. your breach of any of the terms and conditions, contained herein;
  2. Your giving permission to any other person to have access to your mobile phone or as a consequence of leaving the mobile phone unattended or loss of mobile phone.

 

The Bank may amend the above terms and conditions for Alerts service at any time without prior notice to the customer and such amended terms and conditions will thereupon apply to and be binding on the Customer irrespective of the date of such amendment. The Bank may communicate the amended Terms and Conditions by hosting the same on its website or in any other manner as decided by the Bank. The Customer shall be responsible for regularly reviewing these Terms and Conditions, including amendments thereto and shall be deemed to have accepted the amended Terms and Conditions by continuing to use the facility.

You the customer irrevocably and unconditionally authorize the Bank to access all your Account/s for effecting banking or other transactions through the facility and to share the account information with any third parties for the purpose of accepting/ executing such requests of the customers.

All records of the Bank generated by the transactions arising out of use of the Alerts facility, including the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions.

 

Governing Law and Jurisdiction – Alerts   

The provision of this facility shall be governed by the laws of Fiji Islands and disputes in this regard shall be subject to the exclusive jurisdiction of courts in Fiji.

 

. Change of Terms and Conditions:

 

The HFC Bank has the absolute discretion to amend or supplement any of the Terms of use of HFC Bank Internet and Mobile Banking at any time and will endeavor to give prior notice for such changes, wherever feasible. Changed terms and conditions for the new services introduced shall be communicated to the customer. By using the new services, the Customer shall be deemed to have accepted the changed terms and conditions.

 

Entire Agreement

This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures provided to you separately.

 

Proceed with Confirmation of this Service

 

By clicking on the ‘I Accept’ button below you hereby acknowledge that you are the owner of an eligible account to be enrolled in HFC Bank Internet and Mobile Banking service and/or have been authorized by the owner to enroll for the service.

Clicking on the ‘I Accept’ button also indicates your acceptance of the terms and conditions of this agreement in this electronic format.

 

(If you do not accept, choose ‘I Decline’ below.)

If you click ‘I Decline’ you can still request to use this service at a later time by contacting us for reissue of password.

I  ACCEPT                                          I DECLINE

 

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