Terms and conditions related to issuing and using Visa debit card and/or wearables

Client acknowledges the following:

1- Obtaining the Visa debit card/ wearables allows us to:

• Using the ATM of the bank and other banks inside and outside Jordan holding the Master Card / Visa Electron logo while being aware that the ATM of the bank allows me to use such card/wearables for withdrawal from the all accounts linked to the card, while the ATMs related to the other banks limits withdrawals to my primary account only.
• Purchasing from shops locally and internationally through using the card on the POS exclusively on the primary account only. 
• Accessing the mobile bank service offered by the bank through the card/wearables number and its pin code, which allows the client to use all services offered through it.

2- We, the client, are entirely responsible for any amounts that might be due on us as a result of issuing the card/ wearables and/or using it and we abide and undertake to maintaining a bank account throughout the period of using the card and with adequate balance for fulfilling withdrawals, and we authorize the bank anytime to freeze in the account or transfer from it to the cash insurance account the amount with the maximum equaling the maximum approved for daily / weekly / monthly withdrawal and setoff between that amount and any other one due as a result of using the card, without my objection, and without the need for any prior notice.

3- That we are individually responsible as a result of any mistake that might result from depositing any cash to our account or others’ account or request transferring any amount using an ATM.

4- The card/wearables is owned by the bank and is delivered to us for personal use, and it is not transferable, and we undertake to maintain it and keep it with us during its validity period, and not to hand it over to any other person.

5- That the bank shall not be responsible in case the card/wearables was not approved by others as well as that any dispute that might result between us and others shall not affect the bank rights against us in settling the commitments resulting from using the card/wearables and/or related to it, while bank does not bear liability for any defect or shortage in goods and services that I might obtain through using the card/wearables.That in case our account is joint and managed by single signature (i.e. there is Vsia debit card that is independent for each partner with different pin code), considering that any of the partners shall be responsible jointly towards the bank for any transaction done by any of those cards for any banking services available at the bank.

6- That in case of card/wearables loss or theft, we commit to notifying the bank as soon as possible and enhance that in writing and immediately and clarifying the conditions of loss or theft. 

7- If we had an individual establishment account; then we will notify the bank in case of conducting any changes / amendment to the trade registry data for the institution; and we acknowledge that we will request annulling the card/wearables while bearing the entire legal liability as a result of not notifying the bank in case any change / amendment occurs to the trade registry data of the individual institution and the bank also has the right to cancel the card/wearables in case of ensuring that change is done by the bank and through the Ministry of Industry and Trade website of having changes / amendment to the trade registry data of the individual establishment.

8- That using the card/wearables shall be exclusive to us and we may not allow any other body to use it, otherwise all transaction will be considered as correct and personally authorized by us and we undertake using the card/wearables during validity period.

9- That we will notify the bank within maximum the next working day as of the date of notifying the withdrawal transaction in case of difference between the amount indicated in the notice issued by the ATM and the amount we actually received, otherwise we do not have the right to claim any shortage in the amount handed over to us while continuing to be responsible for the increase, if any.

10- That these terms and conditions along with any amendments that might occur shall remain applicable and abiding throughout the period of holding the card and until paying any due balance in the account without breaching the bank right in terminating our subscription in such service at anytime.

11-  We are liable towards the bank for any loss and/or expenditures that might be caused to the bank as a result of incorrect and/or inaccurate data and information written by us in the account opening application or card/wearables issuance application or as a result of using the card/wearables or ATM machines incorrectly or breaching the mentioned in the card/wearables issuance application. 

12- That the bank does not bear responsibility for our financial loss because of issuing us the card/wearables, or disclosing our passcode by coincidence or intentionally or as a result of not maintaining them or disclosing the passcode to the trader when using the card/wearables for purchases through the POS or because of leaving cash in the ATM without taking them after request and we are considered responsible irrevocably for the amounts of transactions done as a result of our negligence in maintaining the card/wearables and/or passcode, while bank does not bear liability as a result of not completing any withdrawal, deposit, purchase or any other transaction in case that refers to personal reasons or for any other reason.

13- The bank has the right to approve issuing a primary card/wearable for us as per our request and we bear liability for withdrawing amounts using our account card and we also bear all expenditures resulting from issuing the card/wearables / using it if any and we are considered responsible irrevocably for all results because of losing / stealing the card/wearables or using it contrary to these terms and conditions.

14- Bear entire liability resulting from using the card/wearables for implementing the payment transactions and/or cash contactless withdrawal by maximum 300 three hundred  Dinars daily which are implemented without the need for inserting the card/wearables and/or the passcode through the POS devices or ATMs supporting the service of implementing contactless transactions and as per the standards and/or limits of the transactions approved by the bank and/or cards’ companies and companies providing the e-payment services that may be amended anytime without the need to notify me of such amendments.

15- I / you acknowledge that you are aware and approve that the debit card/wearables is available for use via internet at our personal liability without bank bearing any responsibility for that

16- I / you acknowledge that any transaction done via internet is at our own liability; whereas the bank is not responsible for guaranteeing the security and correctness of the process done via internet

17- I / you acknowledge bearing all risks resulting from using the card/wearables via internet while waiving our right in confronting bank with any remuneration for any regard 

Client approves the following:

18- That the bank has the right at its own choice and without justification to suspend dealing with the card/wearables temporarily or annul it for any reason and in that case the client shall commit to handing over the card/wearables to the bank immediately and we abide to settle all commitments resulting from using the card/wearables.

19- That in case there is a transaction in the account statement of the Visa debit card/wearables of which  we may claim not to be transacted by us, then we shall have the right to claim the refund of such an amount to our account within a maximum 30 thirty days as of the crediting date, and in case of proving our right in the claim, then the amount will not be credited to our account until the amount is collected from the collecting bank and then credit to the bank’s own account, noting that the collection period may take two months to be completed as per the debit visa card’s international regulations while in case of not proving our right in claim then the bank will be collecting fees for transaction or for paying any amounts resulting from such claim for the benefit of the collection bank, or any other relevant body.

20- In case of discrepancy between the amount mentioned in the receipt issued by the ATM and the actual amount deposited; then I authorize the bank to credit the account based on the actually deposited amount, without bearing any responsibility on the bank. 

21- The maximum daily / weekly / monthly of withdrawal / purchase is determined by the bank or amended after increase or decrease 

22- We have the right at anytime to request the cancellation of the card/wearables through a written notice to the bank, provided that we return the card/wearables to the bank; but we remain responsible towards the bank during the period determined by the international visa company towards merchants for sending the sale receipts to the collection bank, and in all cases, we remain responsible for settling all commitments due from using the card.

Client authorizes the bank of the following:

23- Debit our account or any other subsidiary account that the bank decides to open for us, or in any other accounts which we are permitted  to withdraw from at any of the bank’s branches; regardless of the account type or currency of deposit, all the amounts withdrawn through the card/wearables via ATMs or POS in addition to any commissions or expenditures that may be due upon issuance or use, and even in cases that requires converting the foreign currency into the local currency as per the prevailing exchange rate on the transfer date, except for the amounts withdrawn using a lost / stolen visa card/wearables and after one working day from bank’s reception  a notice of loss / theft, and provided that the notice is in writing and the bank responds by signing to indicate receiving of the same, and in case of the notice being verbal then it shall be recorded in writing.

24- Renew the card/wearables once it is expired automatically without the need for our approval unless we notify the bank of the contrary one month before card/wearables expiry date.

Client recognizes the following:

25- That in case of issuing the card/wearables for a minor then the bank will suspend the card/wearables when the minor becomes seventeen years and a half old.

26- Client / card/wearables holder completely recognizes that others are unallowed access to the data saved on the e-band or smart card of the direct payment visa card/wearables and/or passcode related to it or reviewing any of them and/or seizing them and/or spreading them and/or copying them and/or using them and/or dealing with them in any manner and/or causing any of the previous acts; whereas others become able to use the card/wearables of the client / card/wearables holder entirely as if the card/wearables user is the client / card/wearables holder; and client / card/wearables holder also recognizes that such unallowed access to the data saved on the e-band or smart card of the direct payment visa card/wearables and/or passcode related to it or reviewing any of them and/or seizing them and/or spreading them and/or copying them and/or using them and/or dealing with them in any manner and/or causing any of the previous acts, whether electronically or in any other mean, and whether when the client / card/wearables holder uses the direct payment visa card/wearables via internet, ATM, POS or any other manner; then the client / card/wearables holder irrevocably acknowledges that they will deal with the visa debit card/wearables while being aware of the risks and due results, and accepting them, while acknowledging that any financial transaction resulting from the synchronized use of the card/wearables data and pin code that is considered as an irrevocable evidence that the client / card/wearables holder used such card/wearables and conducted the financial transaction regardless of the place, time and date of such financial transaction while releasing the bank irrevocably, generally, and unconditionally of any responsibility related to claiming any financial amounts debited fromthe client / card/wearables holder accounts/ card/wearables as a result of the illegal use of such card and the client / card/wearables holder waives irrevocably and unconditionally his right in filing any case and/or claim and/or request and/or complaints of any type or nature against the bank.

• the customer holding a debit card acknowledges and agrees that the Bank will enroll them in any new procedures related to card security, safety, and protection free of charge and without any additional fees.

27- Client commits not to use any of the Visa debit card/wearables for dealing with crypto currencies regardless of their name and under the responsibility of closing the account without referring to client.