- The Customer acknowledges and agrees to all Terms and Conditions related to the Electronic Services provided by the Housing Bank for Trade and Finance (HBTF) as follows:
- Definitions: The following terms shall have the meanings assigned to them hereunder unless the context indicates otherwise:
- The Bank: Housing Bank for Trade and Finance and any of its branches.
- Service: Electronic Services: Iskan business (Iskan SMS, Internet Banking, ATMs, and/or Iskan Mobile-Corporate) and/or other e-channels provided by the Bank.
- Iskan SMS: PULL SMS, PUSH SMS and Mobile Banking services.
- Customer: If other legal entities in addition to companies can join this service, to change the definition to be "legal entities registered".
- SMS: Information related to the Customer’s account(s) sent by the Bank.
- Transaction: Any transaction carried out through the Service on the Customer’s account by the person(s) authorized by the Customer.
- The Customer understands that they can, through the Service, access their account(s) with the Bank and carry out the transactions made available by the Bank on these accounts. The Customer hereby acknowledges and agrees to all Terms and Conditions related to the E-Services. The Customer also acknowledges that their access to the Bank’s website and/or use of any of the Services and their agreement to and/or signing of these Terms and Conditions shall give rise to an agreement that is effective and binding upon the Customer and applicable to all banking transactions carried out by the Customer through the Service.
- The Customer agrees to receive the messages sent to them by the Bank on the private e-mail and/or mobile phone specified in the Customer’s subscription application. The Customer shall be considered the recipient of all messages delivered to them this way and shall be fully responsible for them and for maintaining the confidentiality thereof, and the Bank’s role ends the moment messages are sent. The Customer acknowledges their responsibility for the proper use of the Service and for the protection of the information devices and systems, including the Customer’s own phones, as well as the confidentiality of information contained in messages the Customer agrees on the following:
- The Customer agrees to use their identified email address in the application for official business only.
- The Customer agrees that the identified email address in the application will not be designated for personnel use in order to mitigate against electronic fraud related risks.
- When the Customer subscribes to the Service, the Bank issues a PIN Code for use and identification purposes. The Customer agrees to the following:
- The PIN Code is sent to the Customer via registered mail (in a closed envelope) only for Iskan Mobile-Corporate and via SMS for Iskan SMS at the Customer’s responsibility.
- The Customer forfeits their right to raise any objections, bring any appeals or otherwise file any claims in the future against the Bank in this regard.
- In the event that the PIN Code is forgotten or lost, the Customer should visit the branch to get a new PIN Code, after verifying their identity.
- In case the PIN Code is entered 6 times incorrectly, the Service will be deactivated. It can be re-activated by visiting the branch or contacting the Call Center.
- The Customer understands the instructions set by the Bank for the Service, as well as the need to change the PIN Code when using the Service for the first time, and acknowledges that they are responsible for keeping and protecting the PIN Code. The Customer also understands that the PIN Code and mobile phone number are used to determine the Customer’s identity for the Iskan SMS and Iskan Mobile-Corporate Service. Therefore, the Customer undertakes to protect and not to disclose or share the same with others, and to take the necessary precautions in the event of using the Service in a public place.
- The Customer agrees and understands that the verification of their identity and their being identified by the Bank as the ‘Customer’ when they subscribe to the Service electronically (online) are done through the Bank. Accordingly, the Customer shall bear the responsibility for any transactions carried out using Iskan Mobile-Corporate and the Bank considers that such transactions are made by the Customer themselves or through their authorized persons, and they shall be fully responsible for that. However, in the event that the Customer subscribes to the Service through the Bank’s branch, the application is filled out manually, and therefore a personal identification document, such as personal ID, or any other document approved by the Bank is required to be presented.
- The Customer acknowledges that in order to use the Service they must have an account(s) with the Bank. The Customer shall be required to provide sufficient funds in their account(s) at the time of making electronic transfers.
- When requesting a checkbook through the Service, the Customer agrees that the Bank will examine the request, and in case of approval, the Customer will receive the checkbook from the designated branch.
- When requesting an account statement through the Service, the Customer agrees that the Bank or branch will contact the Customer after three working days from the execution of the transaction to visit the designated branch to receive the statement.
- The Customer agrees that their request to deactivate the Iskan Mobile-Corporate Service through electronic channels will be implemented automatically and immediately, and therefore the relevant card can no longer be used through electronic channels, except after visiting the branch and requesting it to be reactivated.
- The Customer agrees that their request to stop payment on a check through the Service will not be approved until after examining it by the Bank. For this purpose, the Customer must submit such request directly at the branch, otherwise the Bank will not be responsible for any request to stop payment on a check made through the Service. In all cases, the Bank will deduct the stop payment fees as per the Bank’s instructions.
- The Customer agrees that the payment of bills through eFAWATEERcom service is subject to the terms and conditions of the eFAWATEERcom service provider, in addition to the Terms and Conditions of the Service. Payment of bills may be processed through the eFAWATEERcom service on the second working day.
- The Customer acknowledges that the Bank shall not be responsible for any damage, loss, cost or expense that the Customer may incur as a result of using the Service or breaching these Terms and Conditions, and that the Customer alone shall bear any responsibility or risk that may result from that.
- The Customer understands that the Bank shall bear no obligation or liability for any direct or indirect damage resulting from any of the following reasons, collectively or separately:
- Failure and/or delay in message delivery for any reason, such as network failure, inappropriateness of the actual time in which the transaction was conducted, irregularity, interruption, blocking or cancellation of the Service, and/or technical or technological malfunctions for any reason, or in the event of sending any messages not requested by the Customer.
- Inaccuracy or incorrectness of the information contained in the messages, any error(s) and/or delay in message delivery, loss of messages during transmission, and/or message delivery to an address other than the designated one.
- Any error that arises when the Customer makes a transaction, financial transfer and/or payment while using the Service.
- The Customer acknowledges that the information they disclose, whether in writing or orally, through electronic channels or through the branch, upon Customer’s subscription, is correct and that they have the right and authority to disclose the same. The Customer is therefore fully responsible for the correctness and accuracy of this information and for any damage that may result from the violation of this requirement. The Bank’s role is limited to checking the information in light of the available data and activating the Customer’s application, without any liability on the part of the Bank.
- The Customer acknowledges that they have read and understood how electronic services work and that any indicative information provided by the Bank is for guidance only and is not binding on the Bank.
- The Customer has the right to cancel their subscription at any time by notifying the Bank in writing through the branch, the Call Center, or the Service. The Bank also has the right at any time, without any liability, to withhold any of the messages and/or disconnect the Service from the Customer, without notice and without giving reasons.
- The Bank has the right at all times, without prior notice and without giving reasons, to change or amend the Service Terms and Conditions. The Customer acknowledges that using the Service after the implementation of any changes or amendments shall constitute an acceptance and approval by the Customer of such changes or amendments. The promotional messages sent by the Bank to the Customer about any changes in the Service are considered a notification to the Customer and accordingly any use of the Service by the Customer after delivering such messages shall be considered as an approval by the Customer of such changes.
- The Customer acknowledges that the data and documents extracted from computers or technical means, including electronic records, whether originals or photocopies, are considered legal, valid and binding evidence, and the Customer has no right to object to or challenge the same. The Customer also acknowledges the Bank’s right to prove the electronic transactions related to the Service by all means of proof.
- The Customer acknowledges as follows:
- Any transaction involving the implementation of the Customer’s requests and/or orders is considered to be carried out by the Customer and the Customer has no right to object to, cancel and/or challenge the same for any reason whatsoever. The Customer hereby acknowledges the validity of all electronic messages sent to them by the Bank and agrees with the information or obligations contained therein.
- The electronic services provided by the Bank to the Customer are implemented directly at their request. The Customer, therefore, understands that they cannot suspend the implementation of such services in relation to any messages or notifications. The Customer also acknowledges that the orders and requests made by them, and the obligations arising therefrom, are enforceable and have full immediate legal effect against them.
- The Customer shall bear and pay the fees and commissions (in exchange for subscription to, maintenance and use of various electronic services provided by the Bank) that the Bank determines from time to time. The Customer also agrees and acknowledges that the Bank has the right to modify such fees at any time without notice and without giving reasons. In addition, the Customer unconditionally and irrevocably authorizes the Bank to charge any payable fees to any of the Customer’s accounts with the Bank.
- The Customer shall be responsible for all communication costs (including internet and telephone service fees) and any other costs resulting from the Customer’s use of the internet to access the Service.
- The Customer shall be fully responsible for protecting their user number/credentials and PIN Code, and shall exercise caution when using the Service in a public place. Moreover, the Customer shall absolve the Bank from any liability or damage they may suffer as a result of their failure to comply with this obligation or as a result of misuse of the electronic services.
- The Customer’s use of the Service’s PIN Code is considered an approval by the Customer to make transfers and financial transactions on any of their accounts with any branch of the Bank through the Service. The Bank has the right to either execute or not execute such transfers and transactions.
- The Customer acknowledges and agrees as follows:
- The Bank reserves the right to withhold and/or refuse to execute any transfers and/or payment orders with any amounts, without prior or subsequent reference to the Customer. The Bank shall bear no liability in the following cases, particularly but not exclusively:
a- Insufficient balance in the Customer’s account at the time the transfer is made to cover the value of the transaction plus the interest, commission and fees associated with it.
b- The number of times or the maximum daily limit for transfers is exceeded.
c- The Bank suspects the transfer that the Customer requests electronically.
d- Incomplete or insufficient information contained in the transfer order.
e- Violation of the Bank’s instructions on combating money laundering and terrorist financing.
- The Bank reserves the right to refuse for any reason whatsoever and without giving reasons and/or prior or subsequent reference to the Customer, and without any responsibility on the part of the Bank:
a- Any application submitted by the Customer for using the Bank’s electronic services.
b- Any instructions or inquiries submitted to the Bank by the Customer through the electronic services.
- The Customer does not own any intellectual property rights in any programs, systems, applications, screens or documents used in providing any of the electronic services and/or any updates and/or modifications related to the same. In addition, the Customer shall not, or allow others to:
a- Copy or modify any of those programs, systems, applications, screens or documents.
b- Upload or transfer any of those programs, systems, applications, screens or documents by any means from and/or to any computer, phone, smart device, or any other electronic device.
- The Bank shall not be responsible for any error, damage, loss, cost and/or expense that the Customer may incur as a result of any breach of these Terms and Conditions. The Customer shall bear all compensation, costs, claims and damages that the Bank may incur as a result of any breach of these Terms and Conditions and/or for any reason whatsoever, or as a result of any claims filed by any other party.
- The user credentials and PIN Code determine the identity of the Customer with the Bank in connection with electronic services, and accordingly, any transactions carried out using these credentials and PIN Code are considered to be made by the Customer themselves. In other words, the Customer shall be solely responsible for all transactions carried out through the electronic services subscribed to by the Customer using these credentials and PIN Code.
- The Customer shall bear the sole and full responsibility that may arise from the charging of their account(s) with the Bank when using any of the electronic services, or from any error resulting from the transfer of any amount(s) to the account of any other party through the Service. The Customer acknowledges that they shall be responsible for the value of the amounts requested to be transferred and/or paid even if made by mistake, and hereby acknowledges the validity of all such inputs and that they were done by the Customer themselves. This is because the Customer understands that when they make a transaction and/or enter and/or send instructions through the Service, the Bank shall not be responsible for correcting or canceling any of these instructions and/or inputs.
- The login credentials and/or PIN Code for electronic transfers and payments, whether received by the Customer, by their authorized persons or by whomever the Customer duly delegates or authorizes, are considered as a signature and approval by the Customer to process any requests, services or transfer orders.
- Without prejudice to the right of the Bank to refuse to implement any instructions given to it in accordance with the above terms, the Customer unconditionally and irrevocably authorizes the Bank to do the following:
a- To carry out all the instructions received by the Bank through the Service.
b- To respond to the inquiries received by the Bank through the Service.
c- To charge any of the Customer’s accounts with any financial transactions executed through the Service. The Customer acknowledges that the Bank has drawn their attention to the current technical deficiencies, risks and restrictions associated with the use of electronic services (including the Internet) and that the continuity or interruption of the electronic services depends on the utilization of technology. Accordingly, the Customer absolves the Bank from any liability in the event of the Bank’s failure to provide these electronic services, interruption of these electronic services, any technical reasons beyond the Bank’s control, and/or any other reasons whatsoever.
d- To deliver notices and correspondence related to any of the electronic services via SMS, e-mail or any other means that the Bank deems appropriate based on the Bank’s sole discretion and decision. The Customer also acknowledges that they have taken all necessary precautions to maintain the confidentiality of the received messages and that they shall be liable for any breach of such requirement.
e- To record all communications, instructions, requests and orders made by the Customer in the event that the Customer uses the Bank’s Call Center phone numbers. Those recordings shall be considered conclusive and binding evidence against the Customer, and therefore the Customer shall have no right to contest and/or object to what is stated in them. This is because the Customer’s use of any of those numbers represents an acceptance by the Customer of such recordings.
f- To send transfers on the Customer’s request and full responsibility, and not to hold the Bank responsible for any errors or delays in delivering the transfer to the designated recipient or for withholding it by any party or authority, whether due to the applicable regulatory procedures locally or internationally, anti-money laundering and terrorism financing procedures, or any other reason. Transfers sent through correspondent banks are entirely the responsibility of the Customer, with the Customer bearing the payable commissions and expenses, whether in cash or by charging them to any of their accounts with the Bank. In the event that the transfer is canceled in the future for non-payment or for any other reason whatsoever, the Customer agrees that the transfer be returned at the purchase rate on the day of cancellation or on the day of sending the transfer, whichever is better for the Bank. The Customer finally acknowledges that they have no objection to the Bank providing any data and/or any information and/ or documents related to the transfer sent to any correspondent bank in the event that an inquiry is made about it at any time by the concerned bank or any party related to the transfer without any liability on the HBTF, or any of its employees.
- The Bank has the right to accept or reject any request, banking service, or financial activities carried out by the Customer without any liability and without giving reasons.
- The Customer shall notify the Bank in writing in case the PIN Code is lost or forgotten, in order for the Bank to stop the Service and issue a new one to the Customer at their request. The Customer shall also inform the Bank in writing or electronically in the event of changing or deactivating the mobile phone number designated for the Service or in case the mobile phone or SIM Card is stolen or lost in order for the Bank to modify or deactivate the Service as the situation requires. The Customer shall be solely and directly responsible for any damage or consequence that may result in the event of failure to inform or delay in informing the Bank of this.
- The Customer shall pay any fees or expenses determined by the Bank for this Service and upon their subscription. In this respect, the Customer authorizes the Bank to collect such fees and expenses, whatever their value, from any of the Customer’s accounts on a regular basis. If the Service is temporarily suspended at the Customer’s request, the Bank shall continue to collect such fees. The Customer also agrees that the Service shall be suspended without prior notice in the event that the fees owed by the Customer are not paid within 30 days from the due date. Additionally, the Bank has the right to amend or change any of the fees it specifies and at whatever time it decides.
- The Customer understands that they are personally responsible for the utilization of the mobile phone and for the mobile phone service fees, at their own expense.
- The Customer’s use of the Visa Electron, MasterCard, Visa, and Iskan Mobile-Corporate Service through the Bank’s Call Center, the Bank’s website and any other channels are subject to the Terms and Conditions applicable thereto.
- The customer agrees that HBTF’s Electronic Services include services from other service providers such as but not limited to Cliq instant payments, E-Fawateerkom, or any other service or payment solutions, whereby any service provided by them is subject to the provider’s terms & conditions in addition to CBJ regulations, which the customer is obligated to review and acknowledge prior to requesting the service.
- We acknowledge and commit that by creating this CLIQ account we will not use trademarks, or tradenames that are not owned by us or related to our business nature as an alias, nor create any alias that may be misleading, or that will violate public order and legislations. In case of any violation of this commitment, the bank shall have the right, at its own discretion and without any liability, to suspend the alias and/or our access to CLIQ services withoutprior notice, and we shall also bear full responsibility for any legal or financial consequences that may arise from such violation.
- The Company shall be responsible for informing the Bank in the event that one of the Service’s users left working for the Company in order for the Bank to block that user from accessing the Service. This can be done by sending the Bank a written letter signed by the authorized representatives of the Company, requesting the suspension of the Service.
- The Customer has been informed that the Bank Management is free to either approve or not approve their request without giving reasons and according to the Bank’s internal terms, conditions and instructions.
- The Customer understands and acknowledges that their account(s) with the Bank shall remain subject to the generally accepted banking rules, customs and norms (hereinafter referred to as ‘Customs’). Nothing in this Service or its terms and conditions shall be construed as an amendment, replacement or cancellation of these Customs. The Customer also acknowledges that those messages shall have no legal force against the Bank or anyone or before any authority, and only the statements issued by the Bank, in the usual and recognized course in the banking business, for the accounts and transactions conducted on them shall have legal force.
- The Customer agrees to consider all the Bank’s electronic records as certified, documented, and binding evidence vis-à-vis the Customer, and the Customer waives their right to object and/or challenge them before any entity whatsoever. The Customer also acknowledges the validity of all electronic messages sent to them by the Bank.
- The Customer agrees that the Bank may authorize any entity licensed, or to be licensed, or accredited for the purposes of performing verification procedures and authenticating the Customer’s electronic signature, if used.
- These Terms and Conditions shall be subject to the laws, instructions and regulations in effect in the Kingdom of Jordan, and the courts of Amman shall have jurisdiction over any dispute arising out of or related to the interpretation or application of these Terms and Conditions.
- The Customer agrees that all Terms and Conditions mentioned herein have been read, reviewed and accepted, and accordingly, the Customer has agreed to subscribe to the Service.
- The Customer understands that they are personally responsible for any transactions conducted through other persons authorized to use the Service.
- Should the Customer wish to add the eFAWATEERcom service on the Company’s Iskan business system and link that service to the accounts referred to previously, the Customer then acknowledges their unconditional, full and sole responsibility for paying any bills, whether those of the Customer or others, through the service that has been activated by the Bank. The Customer hereby waives their right to object to any process and/or transaction (bill payment) conducted through this Service, and the Customer irrevocably acknowledges the validity of all financial processes and transactions, as well as all the Bank’s records and books without any responsibility on the part of the Bank and/or any of its employees. The Customer hereby acknowledges that the Bank shall not be responsible for verifying the validity of transactions of any kind that are conducted through the Service and/or eFAWATEERcom in particular.
- The Customer bears full responsibility in the event that a transaction is executed through Iskan Mobile/Iskan business by any of the Customer’s authorized persons whose authority has been revoked by virtue of a new commercial register without duly notifying the Bank of such revocation.
- The Customer finally, irrevocably and unconditionally acknowledges, undertakes and agrees to bear any responsibility and/or consequences of any nature arising from using the Iskan business/Mobile Service by any person, whether authorized or not. The Customer also waives their right to object to any financial or banking transactions conducted using the Service’s credentials/information provided to the Customer, whether such transactions have been executed by the Customer and/or by any user on the Customer’s bank account or any other number to be modified in the future, and as a result of disclosing the Customer’s username and/or PIN Code for the purposes of using the Service after its activation by the Bank.
- The Customer agrees to waive their rights towards the Bank in relation to the protection of banking secrecy to the extent necessary for the purposes of providing the said Service and not to hold the Bank and/or any of its employees liable in any way in the event that the provision of the Service should result in the Bank not complying with its obligations to maintain banking secrecy. In addition, the Customer completely, finally and irrevocably absolves the Bank and all its employees from any liability for any malfunction and/or damage that may result from the above.
- Hereupon, the Customer waives their right to object to and/or contest any financial and/or banking transaction or process conducted through the Service. The Customer finally, irrevocably and unconditionally approves and accepts the validity of all financial and/or banking processes and transactions, and acknowledges the validity of all the Bank’s records and books related to the above Service. The Bank alone has the right to deactivate, suspend, stop and/or cancel the Service without prior notice, without the need to obtain a judicial warrant to this effect, and without the Customer having the right to object to the Bank’s decision in this regard in any way or the right to claim the Bank forany malfunction, damage and/or lost profits, regardless of their nature or cause.
- The Customer forfeits their right to claim the Bank for any malfunction, damage and/or lost profits of any nature resulting from the delay in conducting and/or failure to conduct any financial transactions due to the disruption of communication lines for technical reasons and/or for any reasons whatsoever. That is, the Customer shall bear full responsibility for the above, without the Bank or any of its employees bearing any responsibility whatsoever.
- The Bank has the right to change or amend the Service instructions after notifying the Customer, and once the Customer uses the Service after such instructions have been changed, the Customer is deemed to have agreed to those changes.
- The Bank has the right to change the design, systems and/or interface used in the Service without any prior notice, without giving any reasons, and without incurring any liability.
- The Service is provided as per the Bank’s instructions and as may be amended from time to time.
- Joint accounts and corporate accounts:
- Joint account holders can subscribe to this service by having the authorized signatory sign the applicable subscription form at one of the bank’s branches or through the internet services noting that a valid mobile number must be provided for SMS communication and all account owners/shareholders will be liable and responsible for the account.
- Corporate accounts can subscribe to this service by having the authorized signatory/s sign the applicable forms for the required service.
- In the event that the authorized signatory is no longer authorized to sign on behalf of the company, the company is required to confirm whether to continue using the same phone number or have it amended by providing a written request.
- It’s not allowed for any of the company’s authorized signatories to sign on payment instructions to the benefit of any of the authorized signatories accounts or through any of the electronic channels. In the event that such transactions are carried out, this will be on the full responsibility of the company’s authorized signatory/signatories and the bank shall not be responsible or liable in any way towards the company and/or shareholders and/or any third party. Moreover, the authorized signatory / signatories who carried out financial transactions to the benefit of their personal account/s give full irrevocable authority to the bank to take any necessary action in this regard while forfeiting their right to dispute any decision or action taken by the bank.
- The bank shall not be responsible or liable for processing any financial transaction on behalf of the company and based on their instructions that are higher than the financial transaction limit assigned within their original signed set up form, as long as those transactions were processed based on their request and full responsibility.
- The client acknowledges that the beneficiary name inserted within any payment instructions is the actual beneficiary of the intended payment.
- The client acknowledges that the purpose of the payment as inserted within the instructions is the actual purpose of the payment.
- General Terms and Conditions of Host to Host Service:
- The client shall provide the necessary infrastructure for the service and shall maintain the confidentiality of data, refraining from using it for any unlawful purposes.
- The client shall be responsible for any damage resulting from a breach of the service terms or from misuse.
- If the client wishes to terminate the service, the bank must be notified in writing or electronically, provided that all outstanding dues have been settled.
- The bank shall not be held liable for any indirect damages resulting from the service.
- The bank may amend the terms of the service, with prior notice to the client.
- General Terms and Conditions of Account statement ( MT940 ) :
- The client is required to maintain the confidentiality of data.
- The client shall be responsible for any damage resulting from a breach of the service terms or from misuse.
- If the client wishes to terminate the service, the bank must be notified in writing or electronically, provided that all outstanding dues have been settled.
- The bank is obligated to protect the client's data and ensure the security of communication channels.
- Data shall be exchanged through encrypted channels.
- The bank shall not be held liable for indirect damages.
- General Terms and Conditions of (MIXED BULK FILES) :
- The client commits to using the electronic system for sending transfers.
- The client is responsible for the accuracy and correctness of the submitted data.
- The client must not include any unlawful transactions.
- If the client wishes to terminate the service, the bank must be notified in writing or electronically, provided that all outstanding dues have been settled.
- The bank shall not be liable for errors resulting from incorrect data provided by the client. In the event the client supplies false information, the bank reserves the right to suspend the service without any liability.
