I. DEFINITIONS
In these General Terms and Conditions, the following words shall have the meanings as listed below unless the context-needed sense different:1. Automated Teller Machine (ATM) are automatic teller machines self owned / managed by the Bank, or owned / managed by another bank but based on cooperation the Bank can be used also by the Customer for certain transactions.
2. Bank PT Bank Danamon Indonesia, Tbk domiciled in Jakarta, acting through branches throughout Indonesia.
3. Beneficial Owner is any person who is the actual owner of the funds placed at bank (
Ultimately own account ); that controls Customer transactions; which gives the power to perform a transaction; controlling body law; and / or that are controlling the end of transactions made through a legal entity or based on an agreement.
4. Cash Deposit Machine (CDM) is a machine that can used by the Customer to make a cash deposit or other transactions pursuant owned / managed by the Bank.
5. Danamon Savings and Loans (DSP) Offices Functional or Branch Office focused serve micro, small and / or medium.
6. Danamon Token is a device / tool that can generate code that can be a Secret Token challenge response as well as One Time Password (OTP) in accordance with the instructions included in the Bank Token.
7. Hello Danamon is a unit authorized providing services Information and Transaction Services Banking, including receipt of complaints, which provided by the Bank to the Customer by phone 24 hours a day and 7 days a week, either Financial Transactions and Transactions are Non Financial
8. Working days are every day except Saturday or Sunday or statutory holidays set by the Government.
9. IVR (Interactive Voice Response) is a machine autoresponders that can serve transactions Customer by telephone.
10. Danamon Debit Card Privilege is a card published by the Bank in particular for Customers Privilege and the product is determined by the Bank.
11. Debit / ATM Danamon is a card issued by the Bank which has a function as an ATM card and / or debit cards and / or other functions (al CDM, EDC) has a unique number that consists 16 digits to be determined by the Bank.
12. Provisions Rates is the applicable fees and exchange rates on and announced at the branch office of the Bank and / or website or any other media possible.
13. Access code is a secret code needed Customers can order Transaction Banking through its appropriate service use the specific code as media verification and authority use only at the Customer.
14. Machine Electronic Data Capture (EDC) is a tool that used to verify transactions and transactions that are Financial and Nonfinancial by Customers counter Bank or other places determined by the Bank.
15. Customer is an individual or entity have a Bank Account and / or use banking services provided by the Bank.
16. ATM PIN is the code / secret password needed to Customers can use the service at ATM terminal / CDM / EDC and authority use only Customer.
17. Telephone PIN is code / password secret given by the Bank to the Customer which serves as media verification for the Bank needed to Customers can use the Hello Danamon / IVR and authority to use only the Customer.
18. Account is deposits (-simpanan) Customer in the form of Giro, Savings, Deposit and / or shape other equivalent, both of which have Customer opened with the Bank and which will be opened at a later time.
19. Passive Account / Dormant (hereinafter "Account Passive ") is a Customer deposits in the form of Giro or Savings which has no transaction activity, other than administrative costs and interest savings, during Six (6) consecutive months or within a certain period established by the Bank.
20. Transaction Banking is a Financial Transaction and Nonfinancial transactions.
21. Financial Transaction is a form of transaction impact on changes in account balances.
22. Nonfinancial transactions are transactions that are not impact on changes in account balances.
23. Ultimate Beneficial Owner (UBO) is the which is included as the last handler that is individuals or legal entities that are directly or indirectly own shares the company and / or the overall structure of the business group control of the company.
II. GENERAL TERMS AND CONDITIONS ACCOUNT
A. GENERAL CONDITIONS
1. Customer's Account Opening conducted in Bank, to the extent not specifically regulated by the Bank and the Customer in the Account Opening Application Accounts are concerned, the applicable terms and The General Provisions.2. With regard to the provisions in item 1 in above, if the Customer has multiple accounts on one or several bank branch office, the account (-rekening) is agreed by both parties as unity, therefore General Terms and Conditions This, the following additions and amendments applicable as well binding on all the Customer's Account.
3. In the event that the Account will be transferred / transferred / pledged to a third party / other parties, should written consent of the Bank.
4. Instructions Customer to the Bank can be made through Bank branch office, Hello Danamon, ATM, CDM and or / other services in accordance with applicable the Bank for each type of service. General Terms and Conditions related to the use of each
such services (other than those stipulated in These General Terms and Conditions) made separately. Following information website that can be accessed: Service Hello Danamon: https://www.danamon.co.id Danamon Online Banking Services: https://www.danamonline.co.id
5. Customers can not cancel / change instruction that has been done for any reason and transactions Customer binding upon the instruction is received and implemented by the Bank.
6. In the event that the Bank receives more than one instruction which will have an impact on the withdrawal of funds accounts, Customer must provide funds enough in his account. Unavailability of funds can be cause the Bank does not carry out those instructions.
B. DEPOSITION, MOVING BOOK / TRANSFER AND WITHDRAWAL
1. Deposit Account to be made in cash and non-cash, paper (Cheque and / or Giro or by transfer). The new non-cash deposit considered to be effective if the funds have been received by the Bank and in accordance with the provisions of bookkeeping arranged in point II.C (Bookkeeping) in Terms and these General Rules. Deposit via bank counter only recognized when the transaction documents have been validated (proof print data from the system) or authorized by Bank officers in accordance with the provisions / procedures apply to the Bank.2. Deposits and withdrawals and / or interest payments associated with Account in foreign currency / FX will be the exchange rate / cost appropriate administrative provision Rates at the time of the transaction recorded. If for some reason the Bank can not be make cash payments according to type of currency of the Customer's account, then the transaction related Customers iven a choice:
(i) make a payment through transfer; or
(ii) the conversion of transactions carried into Rupiah according Provisions Rates at the time of the transaction. Costs incurred The options related (charge transfer / other charges and administrative costs) approved Customer to be charged to the Customer according Provisions applicable Tariff at the Bank.
3. If there is repulsion / returns on non-cash payments, Customer hereby agrees and authorizes the Bank to submit a deposit-related media The non-cash (following the repulsion evidence - if any) to the depositor. Costs incurred related to the repulsion / returns are approved for loading into Customer Accounts and Bank hereby authorized to debit on the cost of Account.
4. If the transaction is carried out in a currency deposits different, then the Bank is authorized by Customer to perform the conversion in accordance with / procedures applicable to the Bank. Customer also agrees that the implementation of the transactions related to Subject to foreign exchange regulations in force as well as the Customer willing to meet the requirements specified by Bank.
5. Customer agrees and hereby authorize Bank to do the conversion and crediting of funds on transaction deposits / incoming transfers involving different currencies with corresponding goals Account with the applicable Tariff provisions.
6. Customer agrees and hereby authorize Bank to transfer returns if the requirements documents on purchase of foreign exchange (FX) of the amount and / or transaction restrictions Rupiah has not been received within the limits specified time.
7. Customers are not allowed to withdraw funds from the accounts exceeded the amount of credit balances Customer's Account balances resulting into debit (overdraft / overdraft), without credit facility Bank approved in writing and credit documentation required have been completed before the transaction performed.
8. The Bank is only obliged to serve transactions withdrawals / payments / transfers / transfer of the Customer's account according to the instructions / request of the Customer or his authorized proxy (based a valid letter of authorization from the Customer) and with Notwithstanding the specimen signature which has been administered in the Bank with the provisions of as follows:
a. Special Savings:
Cash withdrawal or transfer orders or command transfer from the Savings can be done Bank customers through counter using transaction documents provided by the Bank with due regard to the provisions of the specimen signature administered at the Bank. In addition the transaction can also be done through ATM or other services provided and approved by the Bank.
b. Special Giro:
(i) Cash withdrawal or transfer command or order the transfer of Rupiah can Customer is done by using and sign checks, giro or means withdrawals / transfers / transfer other provided by the Bank, through ATMs or services Other supplied and approved by the Bank by following the provisions in force at Bank and the provisions of the specimen signature has been administered to the Bank.
(ii) Withdrawal of Foreign Currency Account can made in Rupiah or Foreign Exchange (bank notes) using documents transactions according to the provisions in force at Bank and the provisions of the specimen signature has been administered to the Bank.
(iii) In the case of book-making Checks and / or Giro authorized (including signing
receipts), the Customer has to understand and willing to assume the above risks arising as a result of the granting authority.
(iv) Customers are willing to comply with the provisions of governing the signing slips, repayment of stamp duty and provision Another set withdrawal slips, including the obligation to fill Cheque / Giro or means of withdrawal / transfer of other determined by the Bank with complete and correctly in accordance with applicable regulations as well as administer / store books / blank sheet Cheque / Giro or means withdrawal / transfer of the other well. All risks and losses arising from the negligence of the Customer and / or their proxies in charging / storage Cheque / Giro or means of withdrawal / transfer of other
which causes Cheque / Giro or means of withdrawal / transfer of other The lost and / or misused by people / parties who are not entitled to fully the responsibility of the Customer. Except that caused by negligence / fault Bank.
(v) Request forms Cheque / Giro should made in writing by Customer and the return receipt form Cheque / Giro Giro should be done at the time of admission blank Cheque / Giro by the Customer or proxy appointed in writing. Customer hereby agree that the Bank will direct perform activation on blank slips which has been taken by the Customer or their proxies The corresponding procedures applicable to Bank. Additionally request a blank check / Bilyet Giro can be done through other service provided by the Bank, such as Hello Danamon.
(vi) Customer must provide sufficient funds Account least at nominal value Cheque / Giro outstanding and the Customer does not Checks allowed to make withdrawals and / or Giro vacant for any reason.
(vii) the Customer is required to report compliance Cheque withdrawal settlement obligations and / or empty the fulfillment Giro be made within seven (7) business days after the date of rejection.
(viii) If the customer meets the criteria of a Black List National (DHN) Bank Indonesia regarding withdrawal Cheque / Giro is empty, then the Bank entitled to freeze the right to use Cheque / Giro and report to the Bank Indonesia to be included in DHN. In the event that the Customer's name has been included in in DHN and the Customer back the withdrawal of one or more sheets Cheque / Giro nominally empty regardless of the Bank is entitled put back the Customer's name in DHN and extend sanctions DHN accordance with BI regulation. Sanctions freezing the right to use Cheque / Giro also charged to the Customer whose identity has been DHN listed in another bank. Provision on the closure of accounts referred to in point II.E (Termination While the above transactions, Blocking and Closing Accounts and / or Banking services) in the Terms and Conditions This common.
9. Scripless (Cheque / Giro) which was rejected by the Bank receive payment or transfer instructions from the Account holder and not taken by the Customer for 6 (six) months from the date of rejection or the agreed period, the Customer agrees and hereby authorizes the Bank to destroy the scrip repulsion.
10. Special for Customers in the form of business entity or legal entity, may apply to Bank for the use of stamp / seal as one requirements in withdrawals / transfers / transfer / Other written instructions relating to the Account Customer. Customer agrees that the size, color ink stamp / seal and color ink signature will not be serve as a means of verification by the Bank.
11. Savings / Current Account pursuant inactive Bank in a certain period will be treated as Passive Account / Dormant. Passive Account Activation carried out in accordance with the applicable procedures in Bank. Passive Account Transfer printing Proof / Dormant refers to the point II.C.1.a.
12. Customer hereby agrees that the Bank is authorized to do not execute the transaction or delay execution Customer transaction if the transaction relating to the bank / restrictions / requirements that must be met advance as stipulated in the regulations applicable legislation and / or internal policies Bank and above it will be notified by the Bank to Customer.
C. BOOKKEEPING
1. Bookkeeping on account made by the Bank with the following provisions:a. Special Savings and Giro:
(i) Each transaction, both the deposit and Account resulting withdrawal changes in balances / movements, will be documented / recorded on a medium that is determined by the Bank ("Evidence Movements"). But considering the transaction it may be done without recording on Mutations evidence held by the Customer (between Other: ATM, CDM transaction, the transaction EDC, Autodebet service), if in the event of difference balances / movements between recorded Exhibit Movements controlled by Customer with a record / bookkeeping contained in Bank, the balances / movements are recorded on Bank bookkeeping constitute valid evidence and binding on the Customer, unless it can be proven on the contrary.
(ii) Printing and delivery Evidence Mutation conducted through the media in accordance with the agreement Customers with regard to the provisions that apply to the Bank.
(iii) In the case of evidence of mutation (in the form statement / consolidated reports) that are sent to Customer's address is returned to the Bank in 2 (two) months (or within a certain period Bank determined and will be communicated to Customer), from the date published by Bank, the Bank is entitled and is hereby granted authorized by the Customer to destroy Such mutations proof and do printing of the statement to the Customer notify the Bank to perform reprinting of the document.
(iv) Customers can apply for mutation transaction in accordance with the nearest branch that apply to the Bank.
b. Special Deposit:
(i) Upon the placement of deposits, the Bank will issuing a media form: Advice Deposits issued in the name Customer, or Bilyet Deposit issued on behalf Customer.
(ii) If the deposits placed with conditions extended automatically, the Bank only issuing a confirmation sheet for every extension. Customers can come to Branch account custodian to take the memorandum confirmation of the extension.
c. Mutations evidence (in the form of statement) will issued a joint consisting of one or more accounts in the name of the same Customer. If Customers do not want published evidence Mutation a combined basis, the Customer may submit petition throughout the Bank with a branch office follow the rules and procedures applicable to Bank.
2. The Bank has the right and the authority given by Customers to make corrections (in accordance with procedures applicable to the Bank if there are mistakes in administering Account Customers including account opening, bookkeeping transactions, interest payments or Closing / liquefaction Account) and above it will be notified by the Bank to the Customer through media provision of information commonly used for The purposes of, among other announcements in office Bank branch or through any other medium that is easily accessible and with due regard to the provisions of the regulations regulations. Special corrections errors / mistakes administrative / bookkeeping against Customer's account resulting in the reduction / debiting balance and when the correction is performed turns the balance is insufficient, the Bank is entitled and hereby authorized by the Customer to debit /unfreeze deposits (-simpanan) other owned Existing customers of the Bank and / or charge back immediately and at the same time such drawbacks to Customer.
3. Customer must keep evidence of mutation / proof of ownership Accounts with both being lost and / or misused by unauthorized parties. Customer responsible for the loss, misuse Mutations evidence / proof of ownership of the Account has submitted by the Bank to the Customer / proxy. Procedures to be followed if the customer loses Mutations evidence / proof of account ownership as follows:
a. Special Savings: If the customer loses Evidence mutation (which not in the form of Statement), the Customer shall promptly inform Bank (c.q. Branch The nearest bank) and the Customer can apply Evidence replacement mutation to comply and procedures applicable to the Bank. All costs Evidence arising from the issuance of a replacement mutation, entirely the responsibility of the Customer.
b. Special Deposit:
(i) If the above placements Customer Deposits given Bilyet Deposit Customer mustsave well Bilyet These deposits. If the customer loses the Giro Deposit Customer must immediately notify Bank (c.q. nearest Bank Branch Office) to do blocking and replacement Deposit slips, according to the procedure in force Bank along with other documents required by the Bank. Any fees Deposits arising from the issuance Bilyet replacement (if any), entirely the responsibility Customer.
(ii) If the above placement of Deposit issued Advice Customer must keep deposits Deposit placement form which has validated by the Bank and if the Deposit Advice lost enough informed to the Bank.
4. The Customer shall check the each the notification submitted by the Bank related to Customer Account opening. By staying the provisions in point II.C.2 above, Customer hereby agrees that the contents of the notification is deemed to have been approved by the Customer if the 30 (thirty) business days of notification delivered, the Bank did not receive objection written from the Customer.
D. INTEREST AND GUARANTEE DEPOSITS
1. Calculation and bookkeeping interest / service deposits carried out as follows:a. Special Savings / Current Accounts: Interest calculated and accounted for the following provisions: (i) Interest is calculated on the basis of daily balances in 1 (one) month (with a minimum balance for earn interest at stipulated by Bank).
(ii) The amount of interest rates on savings / Giro corresponding tariff / the applicable provisions of the Bank that can seen at branch counters or electronic media Bank.
(iii) The day interest is calculated based on the number of days indeed in 1 (one) month divided by the actual number of days in one (1) year.
(iv) Income Tax (VAT) on interest on savings / Giro borne by the Customer and subject to provisions of the applicable tax laws.
b. Special Deposit:
(i) Deposit Interest (either in the currency Rupiah and foreign currencies) are taken into account by: (i) the number of days divided placement the number of actual days in one year; and (ii) the interest rate has been agreed by the Bank, and will be paid as instructed at the time of placement (after Tax deducted according to the rules of taxation applicable).
(ii) the Bank reserves the right to make changes to interest and such changes will be informed to the Customer through a branch counter or Bank electronic media or other media agreed.
2. Guarantee Deposit:
a. Customer acknowledges knew that against Customer deposits at the Bank applies the rules related to the Deposit Insurance Agency (LPS) and value deposits are guaranteed for each customer 1 (one) is the appropriate bank specified in applicable legislation.
b. The Customer acknowledges and states accept the risk of the savings that will be exempted from the provisions of the guarantee if:
(i) Data are not recorded on the Customer deposits Bank.
(ii) Includes category Customers who benefit improperly (ie giving flowers on deposits exceed the level of interest LPS for a reasonable specified period concerned), including receiving the risks of savings as deposits that are not feasible paid if the Bank's operating license revoked.
(iii) causes an unhealthy condition of the bank.
E. SUSPENSION OF THE TRANSACTION BLOCKING AND CLOSING ACCOUNTS AND / OR SERVICES BANKING
1. Customer hereby acknowledges and agrees that Bank is entitled and authorized to refuse to run Customer instructions and / or pause Customer transactions and / or block while Accounts and / or services obtained from the Customer Bank, caused by cause (-it) specific, including but not limited to:a. Consideration Bank, among others:
(i) The existence of doubt in verifying the identity / instruction Customer; or
(ii) the Bank is not able to verify the Customer identity; or
(iii) There is a conflict between instruction Customers are given to the Bank and / or
there is a dispute between the Customer; or (iv) funds in the Customer's Account is insufficient and / or account inactivity (blocked, the Customer's account included in the criteria Passive accounts and others); as well as
(v) Use of Account does not fit the profile Customers and there are indications offens money laundering and / or financing terrorism.
b. Demand from relevant institutions or other banks as stipulated in applicable regulations.
c. Required by applicable legislation.
d. Due to other causes which occurred outside the control Bank (including but not limited to the force majeure), or contrary to the provisions set. Especially for disputes / issues between the Customer and / or contradiction instruction, the Customer hereby agree that the Bank will execute the instruction once there is clarity over disputes / problems and accept an official clarification from the the parties to the dispute as evidenced by deed peace / other documents required / can received by the Bank.
2. Customer acknowledges and agrees that Bank reserves the right to block and / or closure
on account and / or banking services Customer if:
a. Bank knows or has reason to suspect that fraud has or will occur or
banking crimes involving Account and / or customer banking services.
b. Customer has provided the data to the Bank not correct / complete or doubtful.
c. There is a demand from police agencies, prosecutors, Court, Transaction Reports and Analysis Center Finance (PPATK), the Corruption Eradication Commission (KPK), the Tax Office or other authorized in accordance with legislation that applies.
3. The Customer hereby agrees and authorizes the Bank to debit the account if note that the relevant Customer Account indicated fraud and / or a crime according to the provisions applies.
4. Closing Accounts can be done by the Customer or their proxies (authorized thereto by virtue of Customers) through the bank counter at the branch office Account maintainer or other appropriate Branch Office provisions of applicable products.
5. Customer must notify in writing to Branch offices or office Preserver Account The nearest bank branch on the day and working hours applies to the Bank, if the Customer decides to close / cancel the use of Debit / ATM Danamon for any reason.
6. If the Savings Account / Giro used to autodebet service (eg installments, payment telephone, electricity, etc.) will be closed, then before Account is closed the Customer shall transfer to Other accounts to auto-debit services or entire the liability is settled (for loans), or services autodebet stopped.
7. If the Customer closes the Account or for some reason certain closed by the Bank, then the entire transaction and Customers who have not completed the obligations must filled with reference to the provisions of the Bank, that is:
a. Special Savings:
(i) If the Customer does not have card facilities Debit / ATM Danamon, Customer must bring Mutations evidence required.
(ii) If the customer has the facility / Debit Card Danamon ATM and only access to the The account was closed, then the Customer Mutations must bring proof required by the Bank and return the Debit Card / ATM Danamon.
b. Special Giro:
(i) Customer must return the remaining books / sheets Cheque / Giro that is not / has not been used or means of withdrawal / transfer of other to the Bank.
(ii) If there are Cheque and / or Giro that still outstanding, the Bank has the right and the This is authorized by the Customer to open payment on the check and / or Giro that still outstanding and the Customer must provide sufficient funds to meet obligations The payment ("Special Account"). Closure of the Special Account will be approved automatically performed by the Bank after the entire payment obligation upon Cheque / Giro that still outstanding has been resolved. Customer will receive notification will be written closing of the Special Account.
(iii) For Clients who obtained Checks and / or Giro, Customer must submit a letter statement on the seal is sufficient, between others include a statement that:
All of the Customer's liabilities related to the use of checks and / or Giro has resolved properly;
There are no checks and / or Giro Customers who are still circulating in the community;
Customers willing identity imprinted or referred back to the DHN as an extension, if it is found later still drawdowns Checks and / or Giro vacant meet DHN criteria.
(iv) Demand Deposit Account will be closed by the Bank, if Customers who have been listed in DHN withdrawal Cheque and / or Giro empty in the imposition of sanctions DHN.
c. Special Deposit:
(i) Withdraw Deposits made by Customer instruction by using media and procedures applicable to the Bank.
(ii) deposits with media Disbursement Bilyet Deposits made by submitting the original Deposit slips. Especially for single deposits of maturity, when disbursement of funds will be credited / transferred to Customer Account / other parties contained in Bank or other banks (as per instructions Customer at the beginning of the placement of deposits), then at maturity of the fund can be directly credited / transferred without delivery Deposit slips. Customer agrees and acknowledges fully that Bilyet Deposits which still
Customer controlled by law be valid and can not be collected / requested back payment to the Bank. Evidence of implementation bookkeeping / transfer to Customer Account / parties Other based instruction is a proof of disbursement and receipt of funds authorized and bind the Customer and the beneficiary.
(iii) Disbursement of funds transferred deposits to another bank can transfer execution Work carried out on the day in question along the maturity date falls on Weekdays and operations of the Bank in normal conditions. However, if the due date it falls on a national holiday / the set by Bank Indonesia / Government, then the transfer is to be carried out Bank on the next Business Day.
(iv) The costs incurred in connection with implementation liquefaction deposits and transfers , will be deducted from the nominal results disbursement of deposit. Implementation will transfer conducted by the Bank in accordance with the instruction of data given in writing of the Customer. Things relating to the implementation of the transfer that, subject to the General Rules Transfers In / Foreign Bank.
8. The Bank reserves the right to closure Customer Account (including ATM, Debit / ATM Danamon, other services obtained the Customer related with the Account) and simultaneously charge Account closing administrative and other costs apply to the Bank:
a. If the balance of savings / Giro Customers have become zero for a certain period in accordance with Bank.
b. If the Customer provide the data in question truth by the Bank.
c. If usage does not fit the profile Account Customer.
d. Under the applicable legislation Banks were required to close the Account Customer.
The closure is done with notifications to the Customer via the means commonly used except for the closure of the savings with zero balance at a certain period without any approved Customer prior notice.
9. If the Customer dies or bankrupt or disbanded or put under the supervision of the designated by the competent authority, the Bank reserves the right to block the Account and will only assign this account to the beneficiary or substitute its legitimate right or assigns in accordance with prevailing regulations and with meets the requirements set by the Bank.
10. Customer hereby agrees relieve the Bank of all liability and claims that arise related submission to the heir or successor rights or the designated competent agency mentioned in item 9 above.
F. SPECIAL JOINT ACCOUNT
1. The combined accounts opened in accordance with the policies or the provisions in force at the Bank and for the provision of instructions to the Bank as well as the withdrawal of Joint account (joint account) the applicable provisions as follows:a. Account Status combined "OR" (joint account "OR"): Giving instructions to the Bank or withdrawal from the account can be done by one forming a joint account in accordance with specimens were recorded in the Bank.
b. Account Status combined "AND" (joint account "AND"): all instructions on the Account or withdrawal of accounts must be done together by all appropriate forming a joint Account provision of specimens recorded in the Bank.
2. As the legal consequences arising with the withdrawal of Cheque / Giro by one or More Customer forming a joint account mandatory borne jointly and severally by all Customer forming a joint account without exception.
G. THIRD PARTY PRODUCTS
1. In the event that the Customer selecting third-party products that Bank only acts as the party marketing products / services of the third party, the Customer agree that:a. Bank does not provide a guarantee / bear Customer investments made, both principal and investment results (if product / service the protection or guarantee of principal amount and the results of its development);
b. The Customer is obliged to check Performance of any third party products as well as the performance of the product or the service provider.
2. Matters relating to third-party products arranged in General Terms and Conditions are made separately from These General Terms and Conditions.
3. The third-party product-related information provided by Bank to the Customer is the information contained in Bank system or received by the Bank of providers information, and is provided as reference material and not intended for trading purposes or for other purposes.
4. Customer hereby agrees that the Bank is not a investment advisors for the Customer and the Bank do not has an obligation to check or do verification of any information provided to Such customers. Customer hereby also states guarantees and release the Bank of all the risks arising as a result can not be done or the delays in delivery of information to the Customer or for any errors in the information.
III. GENERAL TERMS AND CONDITIONS OF SERVICE BANKING
A. USE OF CARDS (al: Debit / ATM Danamon, Danamon Debit Card Privilege)
1. Debit / ATM Danamon is given specifically to: (i) Customer's account on behalf of individuals, (ii) account on behalf of the combined / joint account with the individual status "OR" or status "AND".2. Special for Danamon Debit Card Privilege, provisions status "OR" and "AND" follow the rules Danamon Privilege applicable and can be seen at the moment Customer receives Debit Card Danamon Privilege.
3. Especially for joint account / joint account with status "OR", respectively forming Customers Joint account / joint account is entitled to apply request to obtain Debit / ATM
Danamon while the joint account / joint account with the status of "AND" will be given Debit / ATM Danamon which can only be used for functions balance inquiry or functions defined by Bank and will be informed to the customer.
4. The card can only be used by the Customer itself and non-transferable / transferred in the form of any kind and in any manner whatsoever to the other party. Customer is responsible for all risks arise in the event of alienation / transfer Card.
5. Customer must sign behind Debit card in the available space. All risk
rejection or abuse arising from non the signing of the responsibility of the Debit Card Customer, unless it can be proven otherwise.
6. The use of cards tailored to the type of products and Bank policy listed in the brochure or media Other published / provided by Bank between Other:
a. Conducting Financial Transactions and Nonfinancial through counter Bank / EDC / ATM / CDM or tempattempat others are determined by the Bank with PIN authorization process based on ATM and / or sign hand.
b. For transactions made through the debiting Bank counter, can be debited from around Account in 1 CIF. While debiting through ATM and EDC will be debited from the Account has been listed on the card.
c. For transactions conducted through the network Another ATM that has a partnership with the Bank or any other place determined by Bank accounts can only be done through the primary / primary account.
d. Ie debit payment transactions on transactions at merchant / use merchant services through the EDC which authorization is done based ATM PIN or signature.
e. Transaction (-transactions) others who have approved by the Bank and shall be communicated to Customer.
7. Transactions using the Card can be done along Customer Accounts that have been connected Cards in a state of active and adequate balance and only accessible to the account (s) in Rupiah and / or certain exchange owned by Customer and approved by the Bank.
8. Limitation of nominal for transactions using Card and the cost is determined by the Bank and can be changed at any time by notice in Branch offices or at locations where ATM / CDM located or through other media available on the Bank.
9. Any transaction using the card resulting in changes to the account balance will accounted / recorded on the Customer's Proof mutations.
10. Customer must keep the card well and PIN secret. If the card is used by parties
others are not entitled to (among other things: because the card is stolen / lost / falsified or due to any other reason), Customer must immediately notify through telephone or facsimile to the Bank (cq Branch Office Hello nearest bank or the Bank) to do the blocking by the Bank. Customer shall responsible for any loss arising from negligence / delay reporting to the Bank, unless it can be proven otherwise.
11. Customers can apply for reimbursement Cards and administrative costs incurred on replacement Customers load the card into.
12. Bank the right to withdraw / cancel / close Cards accordance with applicable provisions of the Bank with notification to the Customer in the event of one because below:
a. Customer inattentive / does not comply with these Terms and Conditions This general;
b. Customer died;
c. The card has expired; or
d. Other causes accordance with prevailing regulations on Bank.
B. SERVICES Automated Teller Machine (ATM) AND SERVICES DEPosit CASH MACHINE (CDM)
1. Customers can use the service ATM / CDM Debit Card / ATM Danamon owned and the Customer can conduct financial transactions Nonfinancial in terminal or ATM / CDM fit the types of transactions that have been determined by the Bank.
2. PIN used on ATM terminal is equal to PIN is used in accordance with the CDM terminal types of transactions.
3. Customers can not cancel / change transaction which has been made through an ATM or CDM for any reason and the transaction is automatically Customer binding upon the instruction given by ATM or CDM.
4. ATM service type is as stated in marketing media (al: brochure).
5. Type CDM services, include:
a. Cash Deposit through CDM:
(i) Using this kind of money, denominations and eyes money that has been determined by the Bank with the maximum amount determined by the Bank as stated in the information CDM indicated on the terminal.
(ii) Can be made to the account connected to Debit / ATM Danamon or Account Other Bank customers who do not link to Card Debit / ATM Danamon.
(iii) Condition of money to be received by the terminal CDM follow the standards set by Bank as contained in the information listed on CDM terminal. If there differences in the amount deposited in the terminal CDM with the number recorded in the bank system, it will be a reasonable search in advance by the Bank, before it was recognized that the amount of cash deposits recorded in the system Bank evidence of binding on the parties.
b. Check the Balance Customers can check the balance last of accounts connected to Debit / ATM Danamon has.
C. ACCOUNT OF ELECTRONIC SERVICES (ELECTRONIC BANKING STATEMENT)
1. Customer understands and agrees that by filing Electronic Current Account services (specific evidence Mutation Statement form), then the delivery of monthly statements made to the accounts contained in 1 CIF. Similarly, the delivery of product information and the services provided by the Bank which was originally conducted by post / courier. Customer agrees that if the monthly Account Statement failed to be delivered to the Customer within 2 (two) months (or within a certain period specified by the Bank and will be informed to the customer), the Bank is authorized to suspend delivery The Electronic Current Account to Bank receive further instructions from the Customer.2. The Customer declares that all the data / information given to the relevant Bank Account services Electronic paper (including but not limited to email address) is correct and valid and the basis valid for the Bank in providing Account Electronic newspapers and the Bank is not obliged to researching, investigating the legality / validity of the data Customer email addresses and / or ensure accuracy has received the Electronic Current Account Customer. Electronic Account Statement for services, file that is sent in the form of an email attachment (PDF) and can be opened using a password in accordance with the applicable provisions of the Bank.
3. If the Customer's account is dormant account, Customer must perform activation Account before the registration process Electronic Account service. For joint accounts account (status as "AND" and "OR") the Customer reserves the right to make the process of registration, cancellation and data update service Electronic Current Account Customers who are registered in the system as the Bank The main accounts / primary account.
4. Customer warrants and release the Bank of all liabilities, demands, suits, and claims of any kind, as well as from any party, including the Customer itself, in connection with the implementation of the services account Electronic newspapers, including delay reception, non-receipt of email and / or failure mail delivery, among others caused by email address error data provision to the Bank, change the email address that is not notified to Banks, electronic mail for some reason can not be accessible (among other things due to a blocked or for other reasons), because of Force Majeure as referred in point IV.D these General Terms and Conditions and / or there is any other causes beyond the control of Bank and in this case the Bank has made steps repair is reasonable in prevalence in banking practice.
D. SERVICES HELLO DANAMON
1. Customer hereby agrees that the provision of PIN Phone to Customer and enabling it done in accordance with the applicable provisions of the Bank.2. Types of services tailored to the Danamon Hello types of products and policies of the Bank are listed on the marketing media published / provided by the Bank.
3. Customer Instruction delivered through the medium of IVR Hello provided by the Bank shall be verification in accordance with Bank.
4. If the Customer does not want to use a PIN Hello Danamon phone or service, the Customer can request the closure of the facility Hello Danamon through a branch in accordance with the procedure apply to the Bank.
5. The Customer is required to confirm and reporting immediately to the Bank if there is and aware of any suspicious actions Hello Danamon unauthorized access by parties not responsible.
6. If the Debit / ATM Danamon Customer disabled in accordance with the provisions of the Bank (as lost / damaged / blocked / expired), Customer can not use IVR services. Customers can using the service after a debit card to be replaced and / or reactivated.
E. USING THE SERVICE CODE ACCESS
Especially for the banking service verification process require Access Code in the transaction (ie: ATM PIN, PIN Phone, Token), Customer must pay attention to the following:1. Customer must make changes to the Access Code which has been submitted by the Bank before implementing transactions for the first time and subsequently PIN ATM / Phone can be changed at any time. Code The new access functions as a result of the change basic verification system for Bank transactions made by Customer. And Customer hereby release the Bank of all the risks arising in connection with the revision and consequences (-induced) arising from the revision of the Code Such access.
2. If the Customer enter Access Code causing Debit / ATM Danamon
system is refused or can not be used to conduct a transaction, then the replacement and / or reactivation can only be done by Bank contact officers at the nearest branch office and meets the requirements set by the Bank.
3. If you forget your PIN ATM Customer, Customer must the replacement Debit / ATM Danamon in The nearest bank branch in accordance with the provisions of the Bank. If you forget your PIN Phone, then the customer can make The new phone PIN through ATM terminals.
4. Customer must maintain the confidentiality and security Access code being misused by parties not entitled to, among other things:
a. Using the access code with care in order to not known to others, and do not notify PIN to any party, including family or Bank officers.
b. Making changes periodically Access Code.
c. Using the Access Code that is not easy to guess (among others: date of birth or other identification).
d. Access Code does not record in a place easily known by others.
e. Do not use the same access code products / services also use the Code Access.
F. OTHER BANKING SERVICES
Against other banking services that are not regulated in General Terms and Conditions, shall be governed separately and is an integral and part separated from these General Terms and Conditions.G. SUBMISSION OF COMPLAINTS TO THE SERVICE BANKING
1. Customers can file a complaint on the transaction / banking services to the Bank (c.q. Branch Hello nearest bank or the Bank) orally or in writing.2. In the case of orally complaints resolution can be completed by the Bank within a period of 2 (two) business days, the Bank has the right to ask the Customer to lodge a complaint in writing accompanied by supporting documents required by the Bank.
3. Handling complaints resolution will notification will be completed and delivered in writing to the Customer within no later than 20 (twenty) Business Days counted since the Customer provide reports or complaints the Bank and the receipt of related documents requested by the Bank in connection with the handling of settlement of the complaint.
4. In the event of certain conditions, the Bank is entitled extend the completion time of the complaint up to 20 (twenty) Business Days following, namely:
a. Bank offices which receive complaints are not the same Bank with the Office of the place of issue complained and there are communication problems between the two offices of the Bank.
b. Financial transaction complained of by the Customer and / or representatives of the Customer require research specifically to Bank documents and / or related transactions with third parties.
c. Happen Force Majeure as referred to in grain IV.D these General Terms and Conditions and / or happen to other causes that are beyond the control of Bank and in this case the Bank has made steps repair is reasonable in prevalence in banking practice. Associated with the extension of time, the Bank will notify in writing to the Customer.
5. Customers entitled to file a dispute settlement through a process of facilitation of the banking or through agencies alternative dispute resolution facilitated by Financial Services Authority in accordance legislation applicable.
V. SPECIAL PROVISIONS FOR THE ACCOUNT AND SERVICES BANKING
A. STATEMENT AND AUTHORIZATION
1. The Bank has full authority to reject or Account opening receiving the application and / orBank services submitted by the Customer or the candidate Customer. Customer agrees that the above data that has been given the associated application for opening of Account and / or service is not compulsory returned to Customer.
2. Customer hereby agree on things as follows:
a. Customer participation in the products and / or services Bank and / or transactions related product / service is Customer own initiative and there is no compulsion from any party.
b. Bank reserves the right to conduct examination of the truth of the data given in the Customer Account Opening application / application for following the Bank services / applications and the right kind requested additional data required by the Bank.
Customer warrants that any data, information / information and signature listed in Form (including the Account and / or services opened for the benefit of the Beneficial Owner) is correct, complete and valid and binding for each Account types and / or customer banking services.
c. If they find a discrepancy over the data and / or information / information that has been given the Customer (including the identity and source funds of Beneficial Owner), the Bank is entitled and full authority to refuse to perform transactions instructed by the Customer or do reversal of the transaction that has been executed and / or close the account and / or the Bank services owned / selected by the Customer's notice.
d. The Customer is obliged to immediately notify in writing to the Bank with the required documents support is needed for any changes address, telephone number, tax ID, signature, and other matters that deviate / differ from the data /
Customer information is never given to Relating to the Bank Account / Customer Service. For the purposes of the data changes can be conducted through the Bank counter / Hello Danamon or Other media are determined by the Bank after carried authorization based ATM PIN or sign hand. Customer's failure does not notify The changes to the Bank, fully is the responsibility of the Customer.
e. Customer fully responsible for sanctions law arising in the future if the Bank / Investigator / INTRAC or authorized agency knowing that the data and / or information / information that has been given the Customer (including identity and source of funds of Beneficial Owner) or Customers of financial transactions is not true or suspected comes from / is the result of laundering money.
f. Customer shall submit, from time to time, Data names and specimen signatures of the authorities signed all documents required to access data and manage accounts or provide related instruction Accounts and customer services selected (either Financial Transactions and Transactions for Non Financial) that the implementation of the transactions carried out through a branch office of Bank Danamon Hello, ATM, CDM and / or other services, including a power of attorney and other related documents in accordance with the apply to the Bank.
g. Customer warrants that the parties sign the relevant documentation opening Accounts and operating accounts and / or Customer services selected are parties has the authority and / or legal authority for sign, submit and implement transaction and / or the Bank services.
h. Bank has provided an adequate explanation on the characteristics of the products and / or services Bank which will be used and the Customer states have come to understand and comprehend all the consequences the use of the product and / or service Bank, including the benefits, risks and costs related with products and / or services of the Bank.
3. The Customer hereby states that the provision information and / or data related to the owner of the Account and / or Customer accounts and banking services (including Beneficial Owner and / or Ultimate Beneficial Owner) to law enforcement authorities or other institutions authorities will be carried out according to the rules of legislation applicable.
4. Customer hereby give consent to Bank Customers to provide personal data in the event agencies are required to be given to the Police, Prosecutors, courts, INTRAC, the Commission, the Tax Office or other institutions authorized in accordance with regulations legislation in force.
5. If the Bank will provide and / or disseminate Customer personal data to other parties outside Bank and Group companies Bank, the Bank will ask for the prior written consent of the Customer referred to in Form Customer Data or in a separate document.
6. Customer hereby agree that the proof of Card transactions Debit / ATM Danamon will be based on verification of the ATM PIN and / or signature Appropriate boundaries and limit customer product specifications determined by the Bank. And verification with the verification process which is based on ATM PIN and / or signature as mentioned above recognized Customers have the same legal force with written order signed by the Customer and Customer binding, unless it can be proven otherwise.
7. Customer hereby states have learned and is fully aware of all the risks arising of transactions, whether conducted through ATM / CDM, Merchant, or places that are determined by Bank and are fully responsible for the whole transactions that have been conducted, including case Accounts of abuse, Debit / ATM Danamon and / or banking services by any cause, unless it can be proved that the loss incurred such as fault / negligence Bank.
8. Customer hereby warrants and release the Bank from any obligations / claims / demands / tort anything from anyone (including the Customer itself), in connection with:
a. The conduct of cancellation / termination / closure Debit / ATM Danamon in case the conditions referred to in point III.A.12.
b. Implementation of all instructions and transactions done either through electronic media or media Other approved by the Bank.
c. Negligence, deliberate negligence, fraud performed by the Customer or any other party instructed by the Customer.
d. The occurrence of the conditions referred in point IV.A.6 and 7.
9. For Bank services related to information and electronic transactions, Customer hereby declare agree on matters as follows:
a. Bank reserves the right to record each image Customer, Customer instruction delivered through the media electronics as well as the results of the verification by the Bank Customer or his authorized proxy relating to Account and / or banking services which Customer received of the Bank. And the recording of evidence is approved as proof of valid and binding, unless it can be proven otherwise.
b. Bank reserves the right to use the infrastructure, energy work, system / technology exists (either owned by Bank and in cooperation with the etc.) in carrying out transactions and keep communications security, and data Customer Data transactions.
10. Customer hereby declared subject to and bound on these General Terms and Conditions, the terms and provisions relating to Account and / or banking services, legislation and prevalence Bank prevailing in the Republic Indonesia, as well as other provisions set by regulator with respect to the Giro, Savings, Deposits, ATM / CDM, FATCA provisions and other provisions related to banking services provided Bank to Customer (including, but not limited on transactions conducted through electronic media).
11. All the powers granted in these Terms and Customer General Conditions are given with right of substitution and during the Customer's obligations to the Bank not yet fully met, then the powers of the can not be revoked or will not end for any reason, including but not limited to the causes mentioned in Article 1813 (Provision power ends: with the withdrawal of its power power; with notice of termination power by the authority; with death, pengampuannya or bankruptcy of the authorizer and the power), 1814 (The Authorizer may withdraw their proxies when it pleases, and if there is reason to it, forcing the power to restore power he held) and 1816 (appointment of a The new power, to run a similar business, triggered the recall power of the first, starting notify to people who in recent years of such appointments) Book Civil Law Act and the powers is an integral part of These General Terms and Conditions.
12. Customer hereby agrees that the Bank may surrender / transfer of work to the party The third (including Bank group company) to support the activities of the Bank in providing products / Service to the Customer, with due regard to applicable legislation.
B. RESPONSIBILITY CUSTOMER to pay off LIABILITY
1. If the Customer has an obligation to the Bank, good for the obligations arising from transactions has not been resolved by the Customer, either because of overdraft / overdraft and obligations arising under Credit Agreement / Recognition Debt or agreement Other made between the Customer and the Bank, then Bank has the right and is hereby authorized by the Customer to block and / or debit and closing and / or dilute the Account on behalf of the Customer (either in the form: Demand Deposit Account, Savings, Deposits) which contained in the Bank, as well as to block and / or close banking services received Customer Bank, henceforth reckoned with Customer's obligations owed to the Bank. Power as it will remain in force until all Customer's obligations to the Bank resolved.2. Regarding the existence or amount of the Customer's liabilities owed and must be paid by the Customer to Bank as referred to in item IV.B.1 above (either because: debt principal, interest, penalties and costs Other banks), seen in the records / administration the Bank which is valid and binding proof Customers, and for customers with this promise to meet / settle such obligations immediately and once after receiving the first notice of the Bank.
C. COSTS (-Cost) FINE AND ADMINISTRATION
Bank has the right and is hereby authorized by the Customer for debiting the Customer's payment order costs (administrative costs, stamp duty, costs associated with desired facilities Customer, the cost of telex, facsimile costs, fees, and costs Account closure) and other costs applicable Banks and fines / penalties (under the Customer's balance minimum balance specified by the Bank or other causes in accordance with Bank). Bank will inform fees attached to the product / Bank services and changes to the Customer via media specified by the Bank prior to the date debiting implementation costs. The amount and execution debiting costs (-cost) is carried out in accordance Bank provisions.D. Force Majeure
Customer agrees that the Bank is freed from responsibility for any claims or losses caused by events or events that are beyond the ability of the Bank (Force Majeure), including but not limited to sabotage, war, politics, the issuance of regulations / Government policies, natural disasters, riots, strikes, epidemics, fires, failures in application of new technologies, and can not be used devices and / or services provided by the Bank because of the occurrence of the disaster partly due by devices / equipment Bank disorder electrical or communications and the Bank in this regard has been undertake remedial measures are reasonable fit predominance in banking practices.E. APPLICABLE LAW AND JURISDICTION
1. The validity, interpretation, and implementation of Terms and the General Conditions shall be governed and subject to the laws prevailing in the Republic of Indonesia.2. Matters relating to the Terms and Conditions This general and all its consequences, Customers choose permanent legal domicile and in general at the Office District Court at a branch office Account Sustainer so with no prejudice to the right of the parties to file a lawsuit / lawsuits before other courts Nowhere in all of Indonesia in accordance with provisions of applicable law.
F. MISCELLANEOUS
1. General Terms and Conditions of this is the part that inseparable from the Account Opening Application and / or application facility / banking services for each products / services that apply to the Bank.2. If there is one provision in these Terms and Conditions These are common because of a government decree or court prohibited or unenforceable or becomes invalid or declared null and void The law does not affect the validity other provisions of these General Terms and Conditions, and such other provisions remain in force and binding and enforceable as specified in these General Terms and Conditions.
3. In the event of any inconsistency between these Terms and These General Terms media marketing (including but not limited to brochures, terms and provision of products), the parties agree that the provisions of the effect is as set forth in the Terms and these General Rules.
4. In the case of documents related to the Account and / or Services made in Indonesian and English, then if there is a difference between versions Indonesian and English, the Bank and the Customer hereby agree that the version in Indonesian which will apply.
5. Customer hereby agrees and acknowledges that the Bank reserves the right to improve / change / supplement General Terms and Conditions (hereinafter referred "Change"). For this purpose, the Bank will notify the Customer within a reasonable or specified in the regulations prevailing through branch offices Bank and / or through other communication media in accordance the last data recorded on the Bank.
6. In the event of any change in benefits, risks, costs, The general terms and conditions, the Customer is entitled file an objection in writing to the Bank within 30 (thirty) business days commencing from notice of such change by the Bank through
Bank communication media. Customer agrees that the Bank Customers will consider approving changes that in the event the Client does not raise objections mentioned above. If the Customer does not agree to the change, The right to close customer accounts and / or Services by first completing all obligations Customers who still owed to the Bank.
This agreement has been adjusted to the rules legislation, including the provisions of Authority Financial services.
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