Terms and Conditions
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TERMS AND CONDITIONS INTERNET BANKING AND MOBILE BANKING PT. BANK MESTIKA DHARMA, Tbk. A. Definition 1. Bank refers to PT. Bank Mestika Dharma, Tbk. 2. Client refers to the one who uses the services of the bank and has accounts in check and/or savings at the bank. 3. User refers to the client who has been registered as the user of the Internet Banking and Mobile Banking services. 4. Internet Banking refers to use of the Internet by a bank as the method for its users to make banking transactions on the Browser. 5. Mobile Banking refers to the system that enables the individual users of a bank to make financial transactions on mobile devices like smartphones or other gadgets. 6. Mobile Token refers to a software program stored in the mobile devices like smartphones or other gadgets used to authenticate transactions. 7. User ID refers to identity created by the users when registering and is used for Internet Banking and Mobile Banking services. 8. Password refers to the private and confidential password created and is only known by the user, which makes up of a combination of letters and numbers (alphanumeric) without any special characters consisting 8 (eight) to 12 (twelve) characters and is used for Internet Banking and Mobile Banking services. 9. PIN (Personal Identification Number) refers to private and confidential 6-digit series created by the users when activation the Mobile Token, known by the users only and used for Mobile Token service. 10. Challenge Number refers do the 10-digit series which appears on the confirmation screen when the user is activation the Internet Banking services. The user will have to key in the numbers to the Mobile Token to get a Response code to be entered in the provided response column. 11. Response Number refers to the 10-digit secret code produced by the Mobile Token and is used to authenticate every financial transaction made on the Internet Banking. 12. Registration Code refers to the alphanumeric combination the user gets when registering the Internet Banking Services at the customer services of the Bank. 13. Inquiry refers to the service provided by the bank to give general information about the products/services of the bank and other information such as transaction validity dates, interest rates and foreign exchange rates. 14. Banking Transactions refers to the non-financial and financial transactions. 15. Non-Financial Transaction refers to the information services in the form of transactions and do not affect the account balance, such as the balance information, mutation, data modification and other transactions in accordance to the bankís regulation. 16. Financial Transaction refers to the services provided by the bank for the users to make transactions that will affect the account balance such as overbooking, billing, voucher top-up and other transactions provided and approved by the bank. 17. Financial Transaction Limit refers to the maximum transaction amount given by the bank in accordance with the prevailing laws and the bankís internal regulation. 18. Main Account refers to the active account in the name of the user and is the first account registered on the Internet Banking and Mobile Banking services and is used to debit the costs in accordance with the Bankís policy. 19. Account Register refers to all the account numbers of the user in all branches which have been registered and are accessible by the user. 20. Registration Form refers to the form which must be filled in by the user containing information about packages additions, changes, and closing in the Internet Banking and Mobile Banking services. 21. Notification refers to the notifications via text messages regarding the registration code and e-mail about successful/unsuccessful transactions made on the Internet Banking and Mobile Banking services. 22. Benefits refers to all the services provided in the Internet Banking and Mobile Banking services which can change anytime accordance with the bankís policies. 23. Maximum Retry refers to the maximum number of mistakes the user can make when logging in before being locked by the system. 24. Password Validity Day refers to the length of the validity period of the password in order to log in. 25. First Time Password Idle Day refers to the length of the period when the user has not logged in to Internet Banking system after creating the User Id and Password for the first time. 26. In-Active Period Day refers to the length of time when the user has not logged in to the Internet Banking system after the last login. 27. User Soft Deleted Day refers to the day of the deletion of the User Id by the system if no request has been made to be activated since the inactive period day. 28. Password Expiration Alert Day refers to the day when a warning notification is sent to User Id before the password validity day. 29. Freeze Time refers to the period of time when the user is not allowed to request a registration code after requesting a registration code for 3 (three) times without using. B. Registration of the Internet Banking and Mobile Banking services 1. The user registers (Step 1) the Internet Banking and Mobile Banking services at the Customer Service. 2. The user needs to have and e-mail address. 3. For an individual user: a. The user has to produce his/her valid original identification (Resident Identification Card/KTP / driving license / Passport / KIMS) and a proof of the account ownership. b. The user has to own an ATM Card. c. A notification will be sent via text messages giving the Registration Code if the registration is successful. d. The user registers (Step 2) on the website www.bankmestika.co.id by typing in the registration code, the last 4 digits of the ATM Card, the last 4 digits of the main account number and date of birth. e. The user creates 1 (one) User ID and 1 (one) password on www.bankmestika.co.id, which will be used to access the Internet Banking and Mobile Banking services. 4. For Corporate User: a. The user has to produce valid documents in accordance with the most recent corporate budget. b. The user will get a notification on the PIN Mailer and e-mail containing the User ID and password for a successful registration. c. The user registers (Step 2) by combining password from PIN Mailer and e-mail. 5. The user is able to add or change the data of the account by completing a registration form at the nearest bank. 6. The user has to read and understand the terms and condition of the Internet Banking and Mobile Banking services. C. User ID, Password, and PIN 1. The user is given the freedom to create his/her own password and PIN, which can be changed as he/she wishes. 2. For an individual user: a. The password validity day is 90 (ninety) days. b. If the user has not changed the password in 90 (ninety) days, he/she will be required to change the password when logging in. 3. For a corporate user: a. The password validity day is 30 (ninety) days. b. If the user has not changed the password in 30 (ninety) days, he/she will be required to change the password when logging in. 4. The password which has been used before can be used again after using 3 (three) different password. 5. The system will notify the user when logging in to the Internet system 3 (three) days before the end of the password validity day. 6. The ďForget PasswordĒ feature on the login on www.bankmestika.co.id can be used if: a. The user forgets his/her password. b. The user has keyed in incorrect passwords 3 (three) times consecutively on the same day. 7. The user has to see the customer service to re-register e-Mestika if he/she forgets his/her User Id and/or e-mail address. 8. The user has to keep his/her User Id, password and the PIN of the Internet Banking and Mobile Banking safe by: a. Not revealing the User ID, password and PIN to anyone. b. Not recording the password or PIN on paper or in any written form or media accessible any anyone. c. Immediately deleting the PIN Mailer of the Internet Banking and e-mail containing the password. d. Changing the password of Internet Banking periodically. e. Not making Internet Banking transactions on communal computers. f. Making sure that the website is the official website for the Internet Banking informed by the Bank. g. Signing out after completing any Internet Banking transactions. 9. The user is fully responsible for the confidentiality of the User ID and password. 10. The user should not use the PIN combination that consists of personal data and is easy to be identified such as the date of birth. 11. The use of User ID, password and PIN has the same legal power as the written document signed by the user. Therefore, the user declares that using the User ID, password and PIN in every transaction on the Internet Banking and Mobile Banking services is to delegate the authority from the user to the bank to make transactions. 12. The Bank is not responsible for any misuse of the User ID, password, PIN by irresponsible parties due to the userís negligence. D. Account 1. The account which can be registered on the Internet Banking and Mobile Banking services must be an individual account (not a joint account). 2. The types of accounts which can be registered in the Internet Banking and Mobile Banking services as the main account are Tabungan Mestika (Mestika Saving) and/or deposit check with the ATM Cards. 3. Accounts other than the types mentioned above can be registered in the Internet Banking and Mobile Banking services as additional accounts for information. 4. The main account and any other accounts registered in the Internet Banking and Mobile Banking services are included into the data in 1 (one) client CIF. E. Changes in Services or Limits 1. The Corporate user is allowed to apply for changes in services or transaction limit in writing sent to the Bank in at least 30 (thirty) days before the changes become effective. 2. The Bank has the authority to approve or deny the application for the changes in services and/or transaction limits. F. Mobile Token 1. The Mobile Token can only be used by the user. 2. Every user has to use the Mobile Token to authenticate every financial transaction. 3. The user can download the Mobile Token on App Store for iOS, Play Store for Android and App World for Blackberry. 4. The Mobile Token cannot be used for purposes other than authenticating inancial and non-financial transactions determined by the Bank. 5. The user has to delete the Mobile Token Application on his/her smartphones or other gadgets it he/she would like to change the number and make of the smartphones or gadgets. 6. The user should contact the Call Center or customer service of the bank to block his/her User ID in case of the loss of the smartphones or gadgets. 7. The Bank is not responsible for any misuse of the Mobile Token by irresponsible parties due to the userís negligence. G. Corporate/Individual Access to the Internet Banking and Mobile Banking Services 1. The user can access the Internet Banking services on the website www.bankmestika.co.id. 2. The individual user can access the Internet banking and Mobile Banking services by entering the correct User ID and Password. 3. The corporate user can access the Internet Banking services by entering Company ID, User ID and password. 4. The user is suggested to delete any notifications from the bank via e-mail or text messages that contain registration data, password and any changes including the userís transaction data. 5. For security reasons, the user is not suggested to access the Internet banking and Mobile Banking services in the network of free Internet or free Wi-Fi. 6. The user is responsible for the risks occur as a result of using the free Internet or Wi-Fi services mentioned in point 5 above. H. Transactions 1. The user has to correctly print and complete all the data needed in every transaction. 2. In every financial transaction, the system will confirm the data registered in the Internet Banking and Mobile Banking services and the user is given the chance to edit or cancel the transaction. 3. The user is responsible for the accuracy of the data registered in the Internet Banking and Mobile Banking. 4. The user will get a receipt as proof of transaction upon every successful transaction made by the Bank. 5. The Bank has the right to unauthorize any instruction from the user if the bank suspects aby deception or crime in the transactions. I. Proof 1. Upon any transaction made via e-Mestika, any computer printouts or copies are valid proofs of the transactions the user makes. 2. Any instructions in the Internet banking and Mobile Banking transactions made by the user are considered valid and the bank will not issue any written and signed document as a proof. J. Registered Telephone Number 1. The user has to be sure of the accuracy of the office telephone number and/or mobile phone number registered in the Internet Banking and Mobile Banking services. 2. The user is responsible for the misuse of the office telephone number and/or mobile phone number registered in the Internet Banking and Mobile Banking services. K. Electronic Mail (e-mail) 1. The user has to register his/her personal e-mail so that proofs of transactions or any other documents related to the Internet banking and Mobile Banking services can be sent to the e-mail. 2. The user has to keep the e-mail register in the Bank safe. 3. The user is responsible for the misuse of the e-mail registered in the Internet Banking and Mobile Banking services. L. Administration Fee 1. The Bank will charge administration and transaction fees periodically via Internet Banking and Mobile Banking services. 2. The Bank will charge every transaction made successfully or unsuccessfully. 3. The system will automatically debit the administration and transaction fees. 4. The Bank is allowed to make changes in the administration and transaction fees anytime. M. Force Majeure 1. The banking will not be liable to the circumstances in which the userís transactions are unsuccessful due to inevitable events beyond the bankís control including natural disasters, dangers, riots, malfunctioning system or transmission, electrical and telecommunication problems, governmental policies and other causes beyond the Bankís control 2. The Bank is not responsible for any unsuccessful transactions in case of corrupted Internet Banking and Mobile Banking applications cause by the userís negligence or any other causes such as virus (Trojan, Worms, and so on), disconnected electricity, damage to computer hardware and so on. N. Unsubscribing the Services Internet Banking and Mobile Banking services end if one of the following points is covered: 1. The user applies for the subscription termination of the Internet banking and Mobile Banking services in writing by completing the Internet banking subscription termination form provided by the Bank at the nearest branch. The Mobile Banking will automatically be unsubscribed if the Internet Banking is unsubscribed. 2. The user closes the account registered in e-Mestika. 3. The Banking discovers that the userís account is misused illegally. 4. The Bank closes the access to the Internet Banking and Mobile Banking services as an obligation regulated by the prevailing law. 5. The bank closes the services by giving prior notice, orally or written, to the user. 6. The user has not used the Internet Banking services for 90 days. O. Changes in Terms and Conditions The Bank shall change and/or make additions to the terms and conditions of the Internet Banking and Mobile Banking services of PT. Bank Mestika Dharma, Tbk by giving prior notice to the user through the appropriate media. The user is bound by any changes made to the terms and conditions. P. Others 1. The User is suggested to contact the customer service of Bank Mestika in case of problems regarding transactions and changes in the access to the Internet Banking services. These terms and conditions may be changes, added or renewed from time to time in accordance with the prevailing law in the Republic of Indonesia, including but not limited to the regulations issued by the Bank of Indonesia and any other regulations issued as well as other customs valid at the time and place where the agreement takes place. Applicants shall obey the changes, additions or renewals. These terms and conditions are an inseparable part of the general regulations of the bank.
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