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THE FOLLOWING TERMS AND CONDITIONS ARE APPLICABLE FOR THE eCHANNEL SERVICES. BY USING ANY OF THE eCHANNEL SERVICES, CUSTOMER SHALL BE DEEMED TO HAVE ACCEPTED THESE TERMS AND CONDITIONS.
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| 1.0 |
DEFINITIONS |
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| 1.1 |
In this terms and condition the following terms shall have the meaning assign thereto:
"Account" means any banking account or banking facility account provided by AmBank Group.
"Access Device" means personal computer or mobile phones and any other device that connect Customer to the Internet.
"Alliance Partners" means participating merchants or Payee Corporations or any other entity whose products, services or information are made available by AmBank Group
"AmBank" means AmBank (M) Berhad (Company No: 8515-D), a licensed financial institution in Malaysia.
"AmBank Contact Centre" means the phone banking service made available by AmBank Group
"AmOnline" means the online banking services made available by AmBank through its Web Site.
"AmBank Group" means AmBank (M) Berhad and its related corporations as defined under the Companies Act 1965.
"AmMobile" means the banking service or such other services of AmBank made available through the use of mobile phones and any other such devices.
"ATM" means automated teller machine(s) installed by AmBank for the use of ATM Card through which Customers can perform certain banking transactions and where applicable, includes the automated teller machine(s) of other participating banks of MEPS.
"ATM Card" means the electronic chip based card provided by AmBank to its Customers for use at AmBank’s ATMs and CDMs and ATMs of other participating banks of MEPS.
"Banking Facility" means AmBank Group’s product and services (including but not limited to Savings Account, Current Account, Fixed Deposit, Overdraft Facility, Hire Purchase, Consumer Loan, Personal Loan, Unit Trust, Credit Card, Debit Card and Insurance), which are made available to Customers of AmBank Group.
"Bills" mean bills issued by the Payee Corporation for the use or purchase of goods or services by Customer from the Payee Corporation.
"Bill Payment Service" means the services made available by AmBank to Customer for payment of Bills.
"CDM" means the machine(s) installed by AmBank allowing deposit of cash with or without the use of ATM Card.
"Content" shall mean proprietary and non-proprietary information and works of text, hypertext, music, voice, video, multi-media work or art for banking and financial services, promotional, educational, informational and/or entertainment purposes made available on the eChannel Services
"CQM" means the machine(s) installed by AmBank allowing deposit of cheque(s).
"Customer" means customer of AmBank Group to whom AmBank has made available the eChannel Services and where applicable, includes non-customers of AmBank using AmBank’s ATMs and CDM to perform any Transaction.
"eChannel Services" means collectively the services known as AmOnline, AmBank Contact Centre, AmMobile , ATM, ATM Card, CDM and CQM.
"e-Debit" means a payment system that allows the Customers using the ATM Card to purchase goods and/or services at the participating merchants by debiting directly the requisite amount from the Customer’s Account.
"Instruction" means any request or instruction to AmBank effected by using any of the eChannel Services.
"InterBank GIRO" means the service, which allows Customers to make funds transfers and payment through the internet banking websites of participating banks of MEPS.
"Internet Service Provider" means, the interactive dial-up access to the internet service provider's connection to the Internet, the provision of World Wide Web data and the incidental storage of data.
"IVR" means Interactive Voice Response. It is a telephone technology through which a user can use a touch-tone telephone to interact with a database to acquire information from or enter data into the database.
"Login ID" means a unique name consisting of a string of characters chosen by Customer for AmOnline to associate the Login ID with Customer’s profile and Account.
"MEPS ATM" means the service which links ATM systems of participating banks and which allows Customers to conduct transaction using ATM cards of participating banks of MEPS.
"MEPS CASH" means a payment system whereby Customers can load monetary value into their ATM Card to make purchases at Purchase Terminals without the Customer’s signature or PIN.
"MEPS Transactions" means the transactions using the switching network operated by Malaysian Electronic Payment System (1997) Sdn Bhd in conjunction with its participating banks, which allows transactions such as MEPS Cash, e-Debit and InterBankGiro.
"Merchant" means any authorised service provider who has installed Purchase Terminals providing goods and/or service.
"Mobile PIN" means any personal identification number and/or password selected by Customer or assigned by AmBank to Customer, as the case may be, to enable Customer’s access and use of AmMobile.
"Network Service Provider" means telecommunications service providers or any other network service provider that provides the Customer with telecommunications and connectivity necessary to perform their Banking transaction.
"Password" means a string of characters, chosen by Customer and stored in AmBank's computer system in an encrypted form, which must be keyed in by Customer in order for AmBank's system to authenticate Customer’s Login ID to grant Customer access to the AmOnline and AmMobile.
"Payee Corporation" means corporations approved by AmBank Group from time to time for the Bill Payment Service
"Payment Date" means the date selected by Customer for payment to be made.
"PIN" means personal identification number provided by AmBank for the use of ATM Card.
"Purchase Terminals" means any electronic terminal and wireless terminal, which is capable of reading magnetic, stripe or chips embedded in the ATM Card.
"SMS" means Short Messaging Service that is the transmission of short text messages to and from SMS enabled devices including but not limited to mobile phones.
"T-Pin" means the self-created 6 digit Telephone Personal Identification Number created via IVR system to authenticate Customer’s access to AmBank Contact Centre.
"Web Site" means the web site located at the URL: http://www.AmOnline.com.my or such other web address to be determined by AmBank from time to time.
"Working Day" means a day when AmBank is open for business in the Federal Territory of Kuala Lumpur.
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| 1.2 |
Words importing the singular shall include the plural and vice versa. Words importing masculine gender include the feminine gender and vice versa.
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| 1.3 |
Any banking term not specifically defined or described herein shall be construed in accordance with the general practice of the banks and financial institutions in Malaysia. Any term relating to computer technology not specifically defined or described herein shall be construed in accordance with the general practice and the trade of computer companies and the information and communication technology industry in Malaysia.
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| 2.0 |
BILL PAYMENT SERVICE |
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| 2.1 |
The Bill Payment Service requires sufficient time for the Payee Corporation to receive Customer’s payment and to credit Customer’s account with the payee corporation. To avoid incurring late charges, Customer should schedule his payments in advance of the due date of payment.
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| 2.2 |
AmBank may at any time, at its sole discretion, vary the list of Payee Corporations or withdraw any Payee Corporation from the list without providing any reason.
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| 2.3 |
In the event the Payee Corporation list is varied, AmBank may inform Customer by way of a message broadcast through the AmOnline Service secure messaging system.
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| 3.0 |
CREDIT CARD USAGE IN eCHANNEL SERVICES |
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| 3.1 |
If Customer used his Credit Card for the Bill Payment Service then the payment shall be considered as a retail transaction, which is governed by the Credit Card Agreement between Customer and AmBank unless otherwise defined.
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| 3.2 |
If Customer used his Credit Card to make payment for his Banking Facility through the eChannel Services, then it shall be considered as a Cash Advance Transaction under the Credit Card Agreement between Customer and AmBank.
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| 4.0 |
DISCLOSURE OF INFORMATION |
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| 4.1 |
Where AmBank need to pass information to other financial institutions for MEPS Transactions or to any of AmBank’s Alliance Partners in order to execute Customer’s Instructions, Customer authorises AmBank to reveal information about the Customer and/or his Account to the Alliance Partners.
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| 4.2 |
Customer authorises AmBank to disclose such information to any entity within the AmBank Group to enable the cross selling or servicing of AmBank Group's products and services.
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| 4.3 |
Customer authorise and permits AmBank to transmit messages, information, data and Content to Customer’s mobile phones or any such devices as may be approved from time to time under AmMobile, irrespective of whether the same has been initiated or requested by Customer.
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| 5.0 |
CHARGES, FEES, AND EXPENSES |
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| 5.1 |
AmBank shall be entitled to impose service charges and/or transaction fees and vary such fees from time to time upon prior written notice via the Website and notices at all branches on the variation of such fees. Customer’s continued use of eChannel Services to which such charges and fees relates, shall be deemed to be acceptance of the same.
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| 5.2 |
Customer authorises AmBank to debit Customer’s Account with such fees, commission and charges that are payable by Customer.
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| 5.3 |
Notwithstanding the service charges or transaction fees imposed by AmBank, Customer is further liable for any charges levied by any of Internet / Network Service Providers, Payee Corporations and/or any other third party as a result of the use by Customer of the eChannel Services.
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| 6.0 |
LIMITS ON TRANSACTIONS AND ACCOUNT INFORMATION |
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| 6.1 |
AmBank is entitled to set limits on transactions performed by Customer through the eChannel Services. The limit set by AmBank maybe varied from time to time and AmBank shall inform Customer accordingly of such changes. Notwithstanding the limit set by the Bank, Customer may choose to set a lower limit for transactions carried out on Customer’s Account through the eChannel Services, in which case the lower limit set by Customer shall prevail.
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| 7.0 |
TERMINATION OR SUSPENSION OF eCHANNEL SERVICES |
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| 7.1 |
AmBank may in its absolute discretion forthwith suspend or terminate Customer’s use of the eChannel Services or any part thereof with or without any reasons whatsoever at anytime with or without notice to Customer. Customer’s obligation to pay all costs, charges, expenses and amounts accrued up to the date of suspension or termination shall survive the suspension or termination.
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| 7.2 |
Where Customer ceased to maintain any Account with AmBank or for any other reason deemed fit by the Bank, AmBank shall be entitled to suspend or terminate Customer’s right of access to the eChannel Services.
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| 7.3 |
Customer may terminate Customer’s use and access to the eChannel Services by giving AmBank 14 days prior written notice subject always to settlement of all monies due and payable to the Bank. Thereafter, Customer agree not to use the eChannel Services and Customer further agree that AmBank shall not be obliged to effect any Instruction received after receipt of Customer’s notice of termination.
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| 8.0 |
LIMITATION OF LIABILITY |
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| 8.1 |
AmBank shall not be liable to Customer or any person for any direct or indirect, special, incidental, or consequential damages, including and without any limitation, damages for loss of goodwill, loss of use, data, profits, work stoppage, computer failure or malfunction, and damages or losses that arise by accessing and/or using the eChannel Services.
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| 8.2 |
AmBank shall not be responsible to effect Customer’s Instruction and/or liable for any loss or damage in the event any one of the following circumstances occur:
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(a) |
any loss or unauthorised use of Customer’s Login ID, Password, TAC and T-Pin;
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(b) |
any unauthorised use of the eChannel Services;
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(c) |
any error in transmission of Customer’s instruction through the telephone or other modes;
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(d) |
when AmBank has reason to doubt the authenticity of the Instruction. In such an instance, AmBank is under no obligation to furnish reasons for exercising its discretion not to act on the Instruction;
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(e) |
when AmBank is required by law to prohibit withdrawals from Customer’s Account or when Customer’s Account is frozen or closed;
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(f) |
when Customer are unable to access or use the eChannel Services or the Web Site;
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(g) |
the use or reliance of the Content of the Web Site and/or any websites, which are links in the Web Site;
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(h) |
when Customer fail to provide necessary and/or accurate information or Instruction for the performance or completion of transactions;
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(i) |
when Customer fail to maintain sufficient funds in Customer’s Account to perform any Instructions given by Customer;
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(j) |
when there is an inability to perform any transactions due to limits set by AmBank or by you;
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(k) |
when Customer fail to follow the current instructions, procedures and directions set by AmBank for using the eChannel Services;
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(l) |
when Customer encounters any electronic virus or worm in the Web Site;
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(m) |
when there is a failure or delay caused by the browser software or by any Internet Service Provider or any other software provider or electronic failure; and
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(n) |
when there are any other circumstances beyond the reasonable control of the Bank;
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| 8.3 |
Customers shall ensure the correctness and the accuracy of the information provided through the eChannels Services. Any Instruction given by Customer through the eChannel Services shall be irrevocable and binding on Customer upon submission. Once the Instructions are effected and the relevant amount deducted from Customer’s Account, AmBank cannot withdraw the amount, which has been transferred to, any third party accounts, Payee Corporations, Merchants or others.
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| 8.4 |
Customer is advised to evaluate and ensure that the quality of the products and/or services accessed or purchased through the eChannel Services meets with his expectation. AmBank shall not be responsible for any electronic or mechanical defect, data failure or corruption, computer viruses and bugs or related problems that may be attributable to Customer’s telecommunications equipment and/or the services provided by any relevant Network Service Provider.
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| 8.5 |
To the fullest extent permitted by law, AmBank does not warrant that the eChannel Services will be provided uninterrupted or free from errors or that any identified defect will be corrected and that the information on the eChannel Services is accurate, complete, timely or reliable. AmBank expressly disclaims liability for any delays, errors or omissions in the transmission of Content.
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| 8.6 |
AmBank expressly disclaims all responsibility and liability in respect of information, representation, warranties on products, services or offers provided by the Alliance Partners as contained in the eChannel Services. It is Customer’s responsibility to verify such information or representation and seek independent professional advice before acting and relying on the same.
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| 8.7 |
Information given on the eChannel Service includes exclusive deals and promotions offered by the Alliance Partners. Any correspondence or business dealings with or participation in promotions or any payment and delivery of goods or services, and terms, conditions, representations associated with such deals and promotions are strictly between Customer and the Alliance Partners. AmBank shall not be responsible or liable for any loss or damages incurred as a result of any such association between Customer and the Alliance Partners in respect of Content offered by Alliance Partners.
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| 8.8 |
Customers shall pay their bills in full within the stipulated time as prescribed by the Payee Corporation. Failure to comply therewith may result in the services provided by the Payee Corporation being disconnected or further action taken by the respective Payee Corporation to recover the dues as provided by the law.
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| 8.9 |
AmBank shall not be held liable for any loss or damage arising from any mistake in the registering of any Bill’s detail, including but not limited to the Bill’s reference number caused by the Customer’s failure to register the correct details of the Bill or the Customer’s failure to update AmBank on any changes.
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| 8.10 |
Customer must notify AmBank of any changes in his personal particulars, including but not limited to, NRIC number, name, contact number, hand phone number and address that may occur from time to time and to hold AmBank harmless from any claims, losses, damages, costs and expenses arising from any rejection of his electronic share application and/or caused by multiple applications, suspected multiple application, inaccurate and/or incomplete details which are beyond the control of AmBank.
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| 9.0 |
NOTICES |
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| 9.1 |
Any notice or communication to be given by AmBank to Customer can be sent by the following means and it is deemed served on Customer within the period mention opposite thereto:
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by ordinary post |
on the 3rd day from the day of posting |
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by personal delivery / dispatch / courier |
on the day it is delivered |
| (c) |
by facsimile transmission |
on the next day of the transmission |
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by e-mail to Customer's last known e-mail address on record |
24 hours after sending |
| (e) |
by secure messages |
immediately upon sending |
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by notice displayed in AmBank's branches |
on the day first displayed |
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by SMS |
on the day the SMS is sent |
| (h) |
by advertisement in newspaper |
on the date of publication |
| (i) |
by notice in AmBank / AmBank Group's statement of account |
2 days after date of posting of statement |
| (j) |
by notice / message in the Web Site |
immediately upon broadcasting of message |
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| 9.2 |
Any notice to be given to AmBank shall be in writing and should contain details of Customer and/or Account and/or transaction and shall be addressed to:
AmBank Contact Centre
Mailing Address: P.O BOX NO 12617, 50784 KUALA LUMPUR
Email: customercare@ambg.com.my
03–2178 8888
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| 10.0 |
APPLICABLE FOR AmOnline ONLY |
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| 10.1 |
For joint account holders, only one Login ID and Password shall be used and only one person shall be given mandate to perform the transaction through the AmOnline. In the event one of the joint accountholders loses his Login ID or Password, AmBank shall remain authorised to carry out any of the Instruction issued by the remaining joint accountholder who has been given the Login ID and password by the other joint account-holder.
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| 10.2 |
Customer shall not use the secure messaging system in the Web Site to give Instructions to initiate transactions on Customer’s Account. To perform transactions, Customer shall use the appropriate functions within the AmOnline.
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| 10.3 |
By using the recurring payment feature in AmOnline, Customer requests and authorises AmBank to make the recurring payments / transfers to either Customer’s own Account or to a third party account maintained in AmBank and debit Customer’s Account with the requisite amount inclusive of any charges thereof.
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| 10.4 |
Subject to 8.2, all requests for recurring payments/transfers shall be processed on the Payment Date.
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| 10.5 |
Customer may cancel Customer’s request for recurring payment/transfer on any Working Day before the Payment Date however AmBank may at its discretion cancel Customer’s request.
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| 10.6 |
Customer’s request for recurring payments/transfers shall continue notwithstanding Customer’s death or bankruptcy or such revocation of the recurring payment/transfer by any other means until and unless the Bank receives notice of Customer’s death, bankruptcy or such revocation.
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| 10.7 |
AmBank may levy a non-refundable charge for each recurring payment/transfer request notwithstanding that the recurring payment/transfer could not be effected due to Customer’s Account having insufficient funds.
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| 10.8 |
In the event the recurring payment/transfer cannot be made due to insufficient funds in Customer’s Account, AmBank shall not be liable for not effecting the recurring payment/transfer for the Payment Date concerned. Customers are required to make alternative arrangements to effect the rejected requests for recurring payment/transfer concerned.
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| 10.9 |
By using InterBank GIRO, Customer authorise AmBank through Customer’s Instruction to debit Customer’s Account with a specified amount of funds (inclusive of any service charges levied by AmBank and/or MEPS) and to transfer such specified amount less the said service charges to either Customer’s account or to a third party account maintained with any of the participating banks. The amount specified (inclusive of the service charges levied) must not exceed the limit per day as determined by AmBank for the InterBank GIRO.
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| 10.10 |
The cut-off time for the InterBank GIRO transactions shall be 11.00 am on a Working Day. Instruction received after 11.00 am on a Working Day or on a non-Working Day shall be processed on the next Working Day.
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| 10.11 |
Although AmBank shall endeavour to process all InterBank GIRO transactions, Customers shall be aware that execution of such transactions involves other banks and consequently, AmBank accepts no responsibility or liability for any delay, error or failure to effect the InterBank GIRO transactions where the other bank to which the funds transfer is to be made has delayed, rejected, refused or is otherwise unable to accept such funds transfer.
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| 10.12 |
Customer’s Instruction shall be deemed received by AmBank upon issuance of a reference number on the confirmation page. For records of Customer’s dealings with AmBank and for subsequent verification, Customer should print a copy of the confirmation page for all transactions affected through the AmOnline.
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| 10.13 |
The Web Site contains links to the other web sites and AmBank disclaims responsibility for the privacy practices or the content of these linked web sites. Prior to Customer accessing a link on the Web Site, please be informed that our privacy policy ceases to apply and AmBank advises Customer to read the privacy policies of these linked web sites.
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| 10.14 |
AmBank will not permit spammers to operate on its servers. When using the AmOnline, Customer agree not to send bulk unsolicited e-mail with commercial messages to other users or the public; nor interfere, harass, threaten or abuse other users; nor post or distribute any obscene, hateful, racially offensive information or materials.
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| 10.15 |
Customer shall have an option to receive e-mails from AmBank which may be unrelated to the eChannel Services. If Customer chooses not to receive such e-mails, Customer shall inform AmBank accordingly.
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| 11.0 |
APPLICABLE FOR AmBank Contact Centre ONLY |
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| 11.1 |
AmBank Contact Centre shall be made available to Customer upon AmBank verifying the T-Pin and/or other details (hereinafter referred to as "Security Details") provided by Customer as being correct. Upon verification of Customer’s Security Details, any oral Instructions issued by Customer shall be deemed authentic.
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| 11.2 |
Customer is responsible for maintaining the secrecy of his T-Pin. AmBank will not be able to secure Customer’s information if the Customer reveals his T-Pin to anyone. The Bank's personnel are not authorised to ask Customer to reveal customer’s T-Pin.
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| 11.3 |
AmBank Contact Centre is a 24-hour personal phone banking service, which is available every day of the year. The cut-off time for all banking instructions via AmBank Contact Centre is 3.30 p.m. on any Working Day, except for Saturdays when the cut-off time is 1:00p.m. Any Instructions received thereafter shall be processed on the next Working Day.
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| 11.4 |
The cut-off time for Instructions through the IVR is not later than 12 a.m. on each day and shall recommence operation by 6.00 a. m. the next day.
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| 12.0 |
APPLICABLE FOR AmMobile ONLY |
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| 12.1 |
Customer hereby warrant and undertake that the Customer shall keep Customer’s Mobile PIN and Account information confidential at all times and shall not directly or indirectly disclose such information to any other party. Customer shall ensure that Customer’s Mobile PIN is memorised and not recorded anywhere and that the Mobile PIN is changed at least once every three (3) months. If Customer know or suspect that Customer’s Mobile PIN has been compromised, misused, is lost or stolen, or that funds have been transferred or may be transferred from Customer’s Account without his permission, or any fraudulent activity on Customer’s Account, Customer is required to notify AmBank immediately using the contact information provided herein. This is to be followed by a written report.
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| 13.0 |
APPLICABLE FOR ATM, ATM CARD, CDM AND CQM ONLY |
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| 13.1 |
The ATM Card shall at all times remain the property of AmBank and shall be surrendered immediately to AmBank upon demand, or if the ATM Card has error, defect or damages Customer can promptly request for a ATM Card replacement thereof.
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| 13.2 |
Customer shall keep the ATM Card in a secure manner and use the ATM Card personally and shall not transfer or pledge the ATM Card for any purpose. Customer shall not amend, write, alter, erase or add any information stored in the ATM Card. Customer may request for replacement of ATM Card that has been tampered with or defaced, subject to payment of such charges that may be imposed by AmBank.
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| 13.3 |
In the event of loss of the ATM Card, Customer must notify AmBank immediately by calling AmBank Contact Centre and confirm the same in writing. Thereafter, Customer is required to be present at any branch of AmBank and replace the ATM Card. No notice or letter will be issued by AmBank.
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| 13.4 |
AmBank reserves the right to terminate the use of the ATM Card at any time with or without notice to Customer by cancelling or refusing to renew the ATM Card.
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| 13.5 |
Customer is responsible for maintaining the secrecy of the PIN provided to Customer with the ATM Card. AmBank will not be able to secure information if Customer reveal the PIN to anyone and in such event, AmBank will not be liable for the unauthorised use of the ATM Card.
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| 13.6 |
For conducting transactions at e-Debit terminal, Customer shall enter his PIN confidentially into the PIN pad of the e-Debit terminal at the Bank’s designated merchants, ATMs displaying the MEPS logo and/or AmBank’s ATM to carry out transactions which shall be conclusively deemed to be a withdrawal of cash from Customer’s account with AmBank.
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| 13.7 |
Customer shall be responsible for all transactions effected by use of the ATM Card and the PIN and authorise AmBank to debit Customer’s account with all amounts withdrawn or transferred through use of the ATM Card with or without Customer’s knowledge or authority.
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| 13.8 |
Cash and/or cheque deposited through CDM and/or CQM by use of the ATM Card shall be verified jointly by two authorised officers of the Bank. The amount so verified shall conclusively and irrefutably be deemed to be the correct amount deposited. Proceeds from cheques accepted for collection will not be available until the cheques are cleared.
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| 13.9 |
Customer who deposits cash at the CDM shall accept the deposit amount as printed onto the CDM receipt and the entry thereof in records of the Bank as correct. In the event of cash notes were jammed, the deposit amount shall be deemed to have been received by the Bank upon verification by two officers of the Bank and the amount so verified shall be deemed to be the correct deposited amount.
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| 13.10 |
AmBank may at its discretion consolidate customer’s transactions.
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| 13.11 |
Customer hereby consent to the Bank’s participation in any network of ATMs or Merchant’s Purchase Terminals shared with other financial institutions to the provision of such technical information as may be required for operation of such network.
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| 13.12 |
The ATM Card is only available for individual Accountholders, sole-proprietors and joint account holders with one authorised signatory.
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| 13.13 |
Customer’s account balance reported by the ATM, CDM, e-Debit terminals, and Phone Banking may exclude transactions, which are yet to be verified by AmBank, and therefore, shall not for any purpose whatsoever be taken as conclusive balance of the Customer’s Account.
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| 13.14 |
If for any reason the Customer’s account is overdrawn, the Cardholder shall, on demand by AmBank, make good the amount overdrawn plus any interest thereon which shall be calculated based on AmBank’s Current Account overdraft interest rate.
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| 14.0 |
GENERAL |
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| 14.1 |
For joint account-holders, all terms and conditions herein (including any amendment or variation hereafter) shall be binding on the joint account-holders jointly and severally.
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| 14.2 |
AmBank reserves the right to vary, add, delete or amend these Terms and Conditions set out herein at its absolute discretion and by displaying the amended Terms and Conditions in AmBank’s branches and/or Web Site, the changes shall be deemed to be notified to Customer.
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| 14.3 |
This Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and Customer hereby agree to submit to the jurisdiction of the Courts in the Federal Territory of Kuala Lumpur for all matters connected with these Terms and Conditions and the use of eChannel Services.
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| 14.4 |
Customer shall be solely responsible for the purchase, installation, maintenance and operation of any Access Devices.
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| 14.5 |
AmBank may record Customer’s communications with AmBank. In the event of any disputes between Customer and AmBank, Customer agree to the use of such recordings and transcripts including its use as evidence by AmBank. AmBank is not required or obliged to maintain copies of such recordings or transcripts.
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| 14.6 |
AmBank may at any time, with notice to Customer as soon as reasonably practicable and in the manner AmBank deems fit, set-off from Customer’s Account or any other accounts maintained by Customer within AmBank Group, any amount where Customer have incurred as liability to the Bank, whether arising out of the Terms and Conditions set out herein or pursuant to any Banking Facility with AmBank or by operation of law.
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| 14.7 |
The use of the eChannel Services outside Malaysia is subject to the operating in the country where the transaction is effected or requested; and the laws and regulations of Malaysia. The maximum amount of transaction and the purpose for which it is effected may be determined by Bank Negara Malaysia and the laws and regulations of the country in which the transaction is effected or requested.
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| 14.8 |
Customer hereby agree to indemnify and keep fully indemnified AmBank and AmBank Group, its employees, agents, co-branders, Alliance Partners against any action, claim, demand, expenses (including legal fees on a full indemnity basis) suffered or incurred by AmBank and AmBank Group arising from Customer’s access and/or use of the eChannel Services.
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| 14.9 |
Customer hereby agree that the Banks records shall be conclusive evidence of Customer’s dealings with AmBank in connection with the eChannel Services.
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| 14.10 |
The eChannels Services Terms and Conditions are available at our branches nationwide.
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| Last updated: 3rd July 2007 |
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TERMS AND CONDITIONS
