iu khon, iu kin pht hnh v s dng th ghi n

1. Mt s quy nh chung v dch v Th

a) Th ghi n: L loi Th do Maritime Bank pht hnh cho Ch th. Trong Bn iu kin iu khon s dng
Th ghi n ny, Th ghi n bao gm Th ghi n ni a, Th ghi n quc t v/hoc Th ghi n khc do
Maritime Bank pht hnh cho Ch th theo ng k ca Ch th.
b) Ti khon lin kt vi Th: L ti khon tin gi thanh ton ca Ch th m ti Maritime Bank v c s
dng pht hnh Th ghi n cho Ch th.
c) Ch th: L c nhn c Maritime Bank pht hnh Th ghi n s dng, bao gm Ch th chnh v Ch
th ph:
- Ch th chnh: L c nhn ng tn tha thun v vic s dng Th ghi n vi Maritime Bank v c ngha v
thc hin tha thun .
- Ch th ph: L c nhn c Ch th chnh cho php s dng Th ghi n do Maritime Bank pht hnh theo
tha thun v vic s dng Th ghi n vi Ch th chnh v Maritime Bank. Ch th ph phi chu trch nhim
v vic s dng Th ph i vi Ch th chnh v Maritime Bank.
d) M s c nhn (PIN- Personal Identify Number): L m s mt ca Ch th do Maritime Bank cp ban
u hoc Ch th t xc nh (bng cch i m PIN ban u do Maritime Bank cung cp), M s PIN c s
dng cng vi Th trong mt s giao dch Th ti ATM, POS (i vi Th ni a) chng thc giao dch Th
c Ch th thc hin v/hoc cho php thc hin. M s PIN khi giao dch (ngoi tr m PIN do Maritime
Bank cp ln u) l m s do Ch th t t, ch c Ch th bit v Ch th chu trch nhim bo mt.
e) Giao dch Th: L giao dch trong Ch th s dng Th rt tin mt, thanh ton tin hng ho dch v
hoc s dng cc dch v c php khc do Maritime Bank hoc cc t chc thanh ton Th khc cung ng
f) n v chp nhn Th (VCNT): Bao gm tt c cc t chc hoc c nhn chp nhn Th lm phng tin
thanh ton hng ha, dch v theo hp ng k kt vi ngn hng pht hnh Th hoc ngn hng thanh ton.
2. Pht hnh Th
a) Ch th phi trc tip n Maritime Bank nhn Th/PIN hoc u quyn cho ngi khc n nhn Th/PIN
hoc ngh Maritime Bank gi Th/PIN bng ng bu in. Nu Th/PIN gi bng ng bu in, Ch
th phi chu ph theo quy nh ca Maritime Bank v chu mi ri ro c th pht sinh. i vi yu cu pht
hnh Th nh danh, Ch th phi n nhn Th trong vng 60 ngy k t ngy nhn c Giy hn nhn Th.
Sau thi hn ny, nu Ch th khng n nhn Th m thng bo g khc hoc Th b n v chuyn pht
nhanh tr li (do khng c ngi nhn ti a ch ng k) th Maritime Bank s t ng hy Th.
b) Ngay sau khi nhn Th, Ch th phi thc hin cc vic sau:
- K ch k mu vo ch k mt sau Th. Khi thc hin giao dch ti VCNT, Ch th phi k ho n
thanh ton ging ch k mu tr nhng giao dch khng yu cu c ch k ca Ch th.
- Gi in n s in thoi ca Trung tm Chm sc Khch hng (Call Center - in mt sau Th) yu cu
kch hot Th hoc truy cp Internet Banking ca Maritime Bank v thc hin vic xc nhn cc thng tin theo
hng dn ca Call Center / theo ch dn trn mn hnh Internet Banking;
- Thc hin i PIN do Maritime Bank cung cp ti ATM ca Maritime Bank khi s dng Th ghi n ln u
hoc khi nhn c PIN cp li.
3. S dng Th
a) Phm vi s dng Th: Th c s dng thanh ton tin hng ho, dch v, gi, np, rt tin mt v s
dng cc dch v khc c cung cp ti im giao dch ca Maritime Bank v/hoc cc i tc ca Maritime
Bank cung cp.
b) Ph s dng Th: Ch th phi tr ph cho vic s dng dch v Th. Loi ph v mc ph do Maritime Bank
quy nh trong tng thi k tu thuc vo loi Th s dng, dch v m Ch th c cung ng khi s dng
Th v khng tri vi quy nh ca php lut. Biu ph p dng l biu ph c Maritime Bank cng b ti thi
im pht hnh Th.
c) Ti khon lin kt Th: L ti khon thanh ton ca Ch th m ti Maritime Bank v c s dng pht
hnh Th ghi n.. Ti h thng Maritime Bank, Ch th c th truy cp v s dng ton b cc ti khon c
lin kt ti Th. Ti h thng ca cc Ngn hng lin minh, tu theo kh nng p ng ca h thng , Ch th
c th s dng ti thiu l ti khon chnh nht cho cc giao dch ca mnh.
d) Tt c cc giao dch Th thnh cng c Maritime Bank coi l c gi tr v Ch th khng th thay i
hoc hy ngang. H s lin quan n giao dch qua Th l c gi tr v bt buc chp nhn.

e) Giao dch Th c thc hin trc gi kho s s hch ton vo cng ngy lm vic, nu giao dch Th
c thc hin sau thi im Maritime Bank kho s hng ngy s c hch ton vo ngy lm vic tip theo.
f) Mi khon ghi n, iu chnh hp l v/hoc hp l ca Maritime Bank trn ti khon ca Ch th l min
truy i.
4. Th b t chi thanh ton trong cc trng hp sau:
a) Th cha kch hot;
b) Th gi hoc c lin quan n giao dch gio mo;
c) Th c Ch th thng bo b mt cp, tht lc vi Phng Dch v Khch hng hoc Call Center ca
Maritime Bank;
d) S d c php s dng trn ti khon tin gi thanh ton, hn mc thu chi (nu c) khng chi tr
khon thanh ton;
e) Ch th khng thanh ton y cc khon thu chi, cc khon tn dng, li hoc ph theo quy nh ca
Maritime Bank;
f) Giao dch vt qu hn mc giao dch, hn mc ngy theo quy nh ca Maritime Bank (nu c)
g) Ch th vi phm quy nh ca Php lut, cc quy nh ca Maritime Bank, TCTTT hoc cc tho thun gia
Ch th vi Maritime Bank.
h) Ch th nhp sai m PIN.
i) Thit b chp nhn Th hoc Ngn hng thanh ton khng kt ni thnh cng c vi Maritime Bank.
j) Ch th cha cung cp, ng k y thng tin (giao dch thanh ton trc tuyn).
k) Th ht hn s dng;
l) Th b hng hoc b ty xa thng tin;
m) Ngn hng thanh ton khng cung cp cc d liu ca giao dch theo quy nh chun chi ca Maritime
Bank;
n) Cc trng hp khc theo quy nh ca Maritime Bank v T chc Th quc t.
5. Cc trng hp c th tm ngng vic s dng Th do Maritime Bank pht hnh:
a) Th c nghi ng lin quan n giao dch ra tin, ri ro, gian ln v gi mo;
b) Th cha ng ph theo quy nh ca Maritime Bank;
c) Theo yu cu ca cc c quan Nh nc c thm quyn;
d) Cc trng hp khc theo quy nh ca php lut v Maritime Bank.
6. Cc trng hp c th chm dt vic s dng v thu hi Th do Maritime Bank pht hnh:
a) Ch th c yu cu bng vn bn chm dt s dng Th (Khi Ch th chnh chm dt s dng Th th cc
Ch th ph cng phi chm dt theo, vic ch chm dt s dng Th ph khng lm nh hng n vic s
dng ca Th ca Ch th chnh);
b) Ch th vi phm cc iu kin, iu khon pht hnh v s dng Th ghi n ca Maritime Bank;
c) Ti khon lin kt vi Th b ng theo quy nh ca Maritime Bank v Php lut;
d) Ch th khng kch hot Th trong vng 720 ngy k t ngy pht hnh Th hoc khng pht sinh giao dch
Th trong vng 720 ngy lin tc;
e) Th b kha vnh vin trn h thng;
f) Th c lin quan n giao dch ra tin, ri ro, gian ln v gi mo;
g) Theo th l cc chng trnh pht hnh Th ca Maritime Bank;
h) Theo yu cu ca cc c quan Nh nc c thm quyn;
i) Cc trng hp khc theo quy nh ca php lut v Maritime Bank.
7. m bo an ton trong s dng Th
a) Ch th chu trch nhim bo mt thng tin lin quan n vic pht hnh v thanh ton Th ca mnh; ct gi
v bo qun Th, gi b mt PIN. Ch th khng c chuyn nhng, cm c hoc th chp Th hoc a Th
cho ngi khc s dng, khng c tit l PIN cho bt k ai.
b) Ch th c trch nhim bo qun Th vt l v cc thng tin c m ha, in trn Th v xc thc cc giao
dch thc hin bng Th khi thng tin v giao dch c Maritime Bank gi, thng bo n s in thoi m
Ch th ng k vi ngn hng. Cc giao dch Th quc t c d liu chip (chng minh Th vt l c
s dng) hoc m PIN hoc mt khu giao dch dng mt ln do Maritime Bank gi n s in thoi m Ch
th ng k vi Maritime Bank) c coi l c Ch th ng , chp thun v cho php thc hin.
c) Khi pht hin Th b mt cp, tht lc hay nghi ng b l s PIN, Ch th phi ngay lp tc thng bo ti
Maritime Bank kha Th tm thi, sau xc nhn chnh thc vi Maritime Bank bng vn bn. Maritime
Bank khng chu trch nhim v nhng tn tht hay ri ro nu Ch th khng thng bo v xc nhn vi

Maritime Bank. Tt c cc tn tht hay ri ro xy ra trong vng di 30 pht k t thi im Maritime Bank
nhn c thng bo v xc nhn bng vn bn ca Ch th s do Ch th hon ton chu trch nhim.
d) Ch th c trch nhim thc hin yu cu tra sot khiu ni v giao dch Th v gi cho Maritime Bank bng
vn bn trong vng 30 ngy k t ngy thc hin giao dch . Qu thi hn trn, Maritime Bank vn tip tc
h tr gii quyt tra sot khiu ni nhng kt qu tra sot khiu ni s ph thuc vo thin ch ca cc i tc
khc c lin quan v Ch th s phi chu hon ton thit hi pht sinh do khiu ni chm. Cc yu cu tra sot
khiu ni c thi gian sau 90 ngy (i vi Th ni a) v sau 120 ngy (i vi Th quc t) k t ngy pht
sinh giao dch, Maritime Bank s t chi yu cu tra sot.
e) KH khi rt tin mt ti cc my ATM trong h thng ca Maritime Bank s chu ph rt tin mt nh quy
nh ti biu ph hin hnh, Ch th khi rt tin mt ti cc my ATM ngoi h thng ca Maritime Bank s
chu ph rt tin mt theo quy nh ca ngn hng qun l ATM . Vic Ch th tip tc thc hin giao dch
sau khi mn hnh ATM thng bo giao dch s b tnh ph s c hiu rng Ch th ng tr cc khon ph
lin quan n giao dch . Cc khon ph ny s c tr vo ti khon ca Ch th vo thi im giao dch.
f) Giao dch mua hng bng Th v giao dch hon tin sau vo ti khon do hng ha/dch v b tr li/hy
b l hai giao dch tch bit. Khon tin c hon tr sau khi tr i cc ph hon tr/hy b (nu c) s ch
c chuyn vo ti khon ca Ch th khi Maritime Bank nhn c khon tin ny t VCNT. Nu trong ti
khon khng ghi nhn khon tin trong vng 05 ngy k t ngy hon tr li hng, Ch th cn thng bo
vi Maritime Bank cng vi bn sao chng t hon tr tin ca VCNT.
g) Trong trng hp Th c kt ni vi nhiu ti khon, cc giao dch thc hin ti cc VCNT s ch c
thc hin t ti khon chnh nht. Trong trng hp ti khon chnh nht khng tin thc hin cc giao
dch trn, Maritime Bank s khng thc hin cc giao dch thng qua cc ti khon cn li cho d s d ca
tt c cc ti khon ny hoc ca tng ti khon thc hin giao dch.
h) Maritime Bank s khng chu trch nhim cho bt c s c no xy ra khi cung cp cc loi dch v hoc khi
thc hin cc giao dch lin quan n Th do trng hp bt kh khng v/hoc ngoi tm kim sot ca
Maritime Bank.
i) Maritime Bank khng m bo rng n v cung ng hng ha dch v, ATM ca ngn hng khc s lun
ng chp nhn th ca Ch th lm phng tin thanh ton. Maritime Bank khng chu trch nhim nu bt
k n v cung ng hng ha/ dch v no hoc trang thng tin in t ca n v cung ng hng ha dch v
no khng chp nhn th lm phng tin thanh ton.
j) Maritime Bank c quyn kha Th ngay trong trng hp nhn c thng tin hoc nghi ng Th, d liu
Th ca Ch th b hoc c nguy c b l hoc b sao chp thng tin.
8. Quyn v trch nhim ca Ch th
a) Ch th chnh c quyn yu cu Maritime Bank pht hnh Th ph (nu c), c php quy nh hn mc s
dng cho Th ph theo cc hn mc Maritime Bank cung cp (ti a bng hn mc ca Th chnh), v c quyn
ngh Maritime Bank chm dt hot ng ca Th ph bt c lc no.
b) Yu cu Maritime Bank thc hin cc yu cu kch hot Th, m kha Th, kha Th tm thi, tng/gim
hn mc giao dch, m/kha tnh nng giao dch online, khiu ni, ngh tra sot giao dch Th (trong thi
gian 30 ngy k t ngy giao dch), bng cch gi in thoi n Call Center.
c) Quyn chm dt s dng Th bng cch thng bo bng vn bn cho Maritime Bank.
d) Cung cp y v chnh xc cc thng tin cn thit theo yu cu ca Maritime Bank khi yu cu pht hnh
Th v trong qu trnh s dng Th;
e) Ch th c trch nhim bo qun Th v PIN theo iu kin, iu khon s dng v pht hnh Th ghi n.
f) Ch th c trch nhim t bo mt cc thit b (my in thoi, sim in thoi, my tnh c nhn, my tnh
bng, ..) , mt khu truy cp vo knh giao dch (internet banking, email,) ng k s dng nhn cc
thng bo ca Maritime Bank lin quan n Th v giao dch Th.
g) Hon tr Th vt l cho Maritime Bank trong mi trng hp chm dt s dng Th.
h) Cng nhn v chu trch nhim i vi cc giao dch c thc hin bi c Th chnh v Th ph do mnh
yu cu pht hnh, trn c s cc chng t lin quan n giao dch do Maritime Bank ghi nhn v cung cp.
i) Chu trch nhim hon ton vi tt c cc giao dch pht sinh t Th ca mnh bt k giao dch c c
Ch th cho php hay khng.
j) Thng bo ngay lp tc vi Call Center khi Ch th pht hin b mt/tht lc Th; pht hin hoc nghi ng
vic truy cp tri php, l ch k in t, ti khon truy cp, mt khu, thng tin c nhn, thng tin giao dch,
hoc cc trng hp khc pht hin hoc nghi ng Th b gian ln, li dng.

k) Thanh ton cho Maritime Bank cc khon ph, cc khon thanh ton lin quan n Th (bao gm c Th
chnh v Th ph) theo biu ph quy nh ca Maritime Bank,
l) Cc quyn v trch nhim khc theo quy nh ca Php lut v Maritime Bank.
9. Quyn v trch nhim ca Maritime Bank
a) T chi pht hnh Th nu Ch th khng p ng y cc iu kin, iu khon pht hnh v s dng
Th ghi n; quyt nh thu hi Th trong qu trnh s dng nu Ch th khng thc hin ng, y cc iu
kin v iu khon tha thun vi Maritime Bank v vic s dng Th;
b) Yu cu Ch th cung cp y cc thng tin v ti liu cn thit nhm lm r cc iu kin s dng Th
ca Ch th khi ngh c cung ng Th v trong qu trnh s dng Th;
c) Th ghi n d c cp cho Ch th s dng nhng vn thuc quyn s hu ca Maritime Bank v
Maritime Bank c ton quyn quyt nh thu hi hoc hn ch Th v dch v cung cp cho Ch th ti bt c
thi im no m khng cn bo trc.
d) Maritime Bank c min trch trong cc trng hp h thng truyn tin, x l gp trc trc, thin tai, ha
honhoc bt k s c no nm ngoi kh nng kim sot ca Maritime Bank.
e) n phng chm dt vic s dng Th khi Ch th vi phm quy nh ca php lut hoc vi phm iu
kin, iu khon pht hnh v s dng Th ghi n v cc quy nh v s dng Th ca Maritime Bank.
f) Tun th cc quy nh ca php lut v pht hnh, thanh ton Th v bo mt thng tin lin quan n Ch
th.
g) Gii p cc yu cu tra sot v/hoc khiu ni lin quan n vic s dng Th ca Ch th.
h) Kho Th / m Th theo yu cu ca Ch th.
i) Maritime Bank khng chu trch nhim v vic cung ng hng ho, dch v c thanh ton bng Th.
Maritime Bank c quyn ghi n vo ti khon hoc tin hnh truy thu gi tr cc giao dch thanh ton bng
Th cho d hng ho, dch v c c giao, nhn hoc c thc hin hay khng.
j) Nu Ch th s dng Th t trc cc dch v nhng khng s dng dch v v khng thng bo hu
dch v trong thi hn quy nh ca VCNT hoc khng c VCNT chp nhn vic hu b dch v, Ch th
c th phi thanh ton mt phn hoc ton b gi tr dch v, cc loi thu v ph lin quan theo quy nh ca
VCNT. Maritime Bank c quyn ghi n ti khon ca Ch th i vi cc trng hp ny.
k) Tng hoc gim hn mc thu chi, hn mc tn dng; Quyt nh thu hi s tin TCPHT cho Ch th vay;
Quy nh cc hnh thc m bo an ton cho vic s dng Th; Quy nh loi li, mc li cho vay i vi Ch
th khng tri vi quy nh php lut hin hnh.
l) Cc quyn v trch nhim khc theo quy nh ca Php lut v Maritime Bank.
10. Gii quyt tranh chp
a)
.
b) Bn thua kin c ngha v thanh ton mi chi ph lin quan n v n, bao gm nhng khng gii hn cc
khon n ph, l ph, chi ph t tng, bao gm c ph thu lut s, ton b ph thi hnh n v cc khon chi ph
lin quan khc m Bn kia phi b ra gii quyt tranh chp.
11. Cc quy nh khc
a) Ni dung iu kin, iu khon pht hnh v s dng Th ghi n c th c sa i v thng bo trn
phng tin thng tin i chng v/hoc trn website ca Maritime Bank v/hoc gi th, email cho Ch th.
Sau 15 ngy k t ngy thng bo, nu Ch th khng gi kin bng vn bn ti Maritime Bank th c coi
l Ch th chp nhn cc sa i .
b) Mt hay mt s iu khon trong iu kin, iu khon pht hnh v s dng Th ghi n v hiu khng
ng nhin lm v hiu cc iu khon khc.
c) Ch th xc nhn c, hiu r v ng vi cc iu kin, iu khon pht hnh v s dng Th ghi n
trn y, ng thi cam kt thc hin ng cc iu kin, iu khon cng nh cc quy nh lin quan ca
php lut v ca Maritime Bank.