iu khon iu kin s dng dch v

IU KHON V IU KIN S DNG DCH V BAOVIET Bank

(C hiu lc t ngy 19/7/2011)
MC LC
I. GII THCH T NG ............................................................................................................................. 1 II. CC IU KHON V IU KIN CHUNG ................................................................................................ 2 III. IU KHON, IU KIN PHT HNH V S DNG TH GHI N NI A

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IV. IU KHON, IU KIN S DNG DCH V BAOVIET i-BANKING ............................................................. 6 V. IU KHON, IU KIN S DNG DCH V MOBILE BANKING ................................................................. 9 VI. IU KHON, IU KIN S DNG DCH V PHONE BANKING ............................................................... 12

Cc iu khon, iu kin sau y ca Ngn hng TMCP Bo Vit (BAOVIET Bank) c p dng cho tt c cc khch hng l c nhn s dng sn phm, dch v ca BAOVIET Bank. Khch hng c quyn v ngha v theo Quy nh v m v s dng ti khon, quy nh c th i vi tng sn phm dch v ca BAOVIET Bank v cc quy nh c lin quan khc ca Php lut. I. GII THCH T NG 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. Ngn hng: L Ngn hng TMCP Bo Vit (BAOVIET Bank). Khch hng: L c nhn c ti khon ti BAOVIET Bank, s dng cc dch v do BAOVIET Bank cung cp. Ti khon: L ti khon ca Khch hng m ti BAOVIET Bank, bao gm: ti khon tin gi khng k hn, ti khon tin gi c k hn, ti khon tit kim. Ch ti khon: L ngi ng tn m v s dng ti khon. Dch v ti khon (Dch v): L mt hoc mt s dch v do Khch hng ng k v c Ngn hng chp thun cung cp, bao gm Dch v m v s dng Ti khon c nhn, Dch v Th, Dch v Mobile Banking, Dch v SMS Banking, Dch v Internet Banking, Dch v Phone Banking v cc Dch v khc c Ngn hng cung cp trong tng thi k. Ngy lm vic: L ngy m Ngn hng m ca hot ng. Giao dch: L cc hot ng c thc hin bi Khch hng trn Ti khon ca Khch hng theo cc Dch v m Khch hng ng k v c Ngn hng chp thun cung cp. D liu giao dch: L ton b cc thng tin lin quan n giao dch ca Khch hng c ghi nhn bng vn bn hoc cc d liu in t. ng Ti khon: L vic Ngn hng chm dt vic s dng Ti khon ca Khch hng v ng h s Ti khon. Phong ta Ti khon: L vic Ngn hng tm dng mi giao dch ghi N trn mt phn hoc ton b s d trn Ti khon ca Khch hng. Chng t Ti khon: Bao gm giy bo N, bo C, bn sao s Ti khon, sao k, giy bo s d Ti khon S d ti thiu: L s tin ti thiu ch Ti khon phi duy tr trn Ti khon ti mi thi im. Ngn hng quy nh c th v s d ti thiu i vi tng loi Ti khon theo tng thi k. S d c php s dng (S d kh dng): L s tin Khch hng c th s dng chi tiu v thanh ton t Ti khon ca mnh bao gm s d c v hn mc ng trc ti khon c nhn (nu c) sau khi tr i cc khon phong ta, cc khon li tn dng, cc khon ph, chi ph v s d ti thiu Ch ti khon phi duy tr theo quy nh ti tng thi im ca Ngn hng. Ngn hng in t: L mt trong nhng knh phn phi cc sn phm, dch v ca BAOVIET Bank cho Khch hng m thng qua knh ngn hng in t, Khch hng c th giao dch vi BAOVIET Bank thng qua cc phng tin in t, khng cn n Ngn hng thc hin giao dch. Cc knh ngn hng in t bao gm nhng khng gii hn bi SMS Banking, Mobile Banking, ATM, POS, Internet Banking. Phng tin in t: L phng tin hot ng da trn cng ngh in, in t, k thut s, t tnh, truyn dn khng dy, quang hc, in t hoc cng ngh tng t. Th ghi n ni a: L th do BAOVIET Bank pht hnh cho php Ch th s dng trong lnh th Vit Nam trong phm vi s d ti khon tin gi khng k hn hoc hn mc thu chi rt tin, s dng cc dch v khc trn my ATM/POS v cc knh thanh ton in t khc ca BAOVIET Bank v cc ngn hng, t chc cung ng dch v khc m BAOVIET Bank tham gia lm thnh vin hp tc. Lin minh th: L t chc th m BAOVIET Bank tham gia lm thnh vin, qua m rng mng li cung cp sn phm v dch v. Ti khon lin kt vi th: L ti khon tin gi khng k hn bng ng Vit Nam ca Khch hng m ti Ngn hng v c lin kt vi th. Ti khon mc nh: L ti khon lin kt vi th v c mc u tin s dng cao nht so vi cc ti khon khc lin kt vi th.
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20. Ch th: L c nhn yu cu pht hnh th v c Ngn hng chp thun pht hnh th s dng. Ch th bao gm Ch th chnh v Ch th ph. 21. Ch th chnh: L c nhn ng tn tha thun v vic s dng th vi Ngn hng khi ng k pht hnh th v c ngha v thc hin tha thun . 22. Ch th ph: L c nhn c Ch th chnh cho php s dng th theo tha thun v vic s dng th gia Ch th chnh v Ngn hng. Ch th ph chu trch nhim v vic s dng th vi Ch th chnh. 23. n v chp nhn th (VCNT): L t chc, c nhn cung ng hng ha, dch v chp nhn th do BAOVIET Bank pht hnh lm phng tin thanh ton. 24. M s xc nh ch th (PIN): L m s b mt gm 06 ch s, dng xc nh Ch th. PIN ln u do Ngn hng cung cp cho Ch th v ch mnh Ch th c bit, PIN ny ch c gi tr ng nhp h thng ln u. Ch th s dng PIN ny i sang PIN ca ring Ch th thc hin giao dch. 25. Giao dch th: L vic s dng th gi, np, rt tin mt, thanh ton tin hng ho, dch v, s dng cc dch v khc do BAOVIET Bank, lin minh th v cc t chc cung ng dch v khc m BAOVIET Bank hp tc cung ng. 26. My giao dch t ng (ATM): L thit b ca BAOVIET Bank hoc cc ngn hng khc m Ch th c th s dng rt tin mt hoc thc hin mt s giao dch c php khc. 27. Thit b chp nhn thanh ton th (POS): L thit b Ch th c th s dng thanh ton tin mua hng ha dch v, ng tin mt, chuyn khon, do BAOVIET Bank, lin minh th v cc t chc cung ng dch v khc m BAOVIET Bank hp tc cung ng. 28. Nh cung cp dch v: L t chc cung cp hng ha, dch v cho Khch hng v chp nhn giao dch thanh ton ca Khch hng thng qua knh Ngn hng in t ca Ngn hng. 29. Internet Banking: L dch v ngn hng trc tuyn, thuc Ngn hng in t ca BAOVIET Bank, cho php Khch hng thc hin giao dch vi BAOVIET Bank qua Internet. 30. Mobile Banking: Bao gm dch v Mobile Wap v dch v SMS Banking. 31. Mobile Wap: L dch v Internet Banking c giao din ph hp Khch hng truy cp v s dng dch v bng in thoi di ng. 32. SMS Banking: L dch v Ngn hng in t cho php Khch hng thc hin giao dch vi Ngn hng thng qua vic gi tin nhn theo c php do Ngn hng quy nh ti tng i nhn tin ca Ngn hng. 33. S in thoi ng k SMS Banking: L s in thoi di ng m Khch hng ng k vi Ngn hng s dng dch v SMS Banking. Mt khch hng c th c mt hoc nhiu s in thoi ng k SMS Banking. 34. Phone Banking: l dch v do Ngn hng cung cp cho Khch hng thng qua Call Center thc hin giao dch, bao gm (i) Giao dch c th thc hin mi lc vi s tr gip ca nhn vin Ngn hng theo yu cu ca Khch hng qua in thoi, (ii) Giao dch c th thc hin mi lc thng qua dch v t ng qua in thoi, khng qua s tr gip ca nhn vin Ngn hng v (iii) t nhng Giao dch khc m Ngn hng cho php s dng ti tng thi im. 35. Cu hi v cu tr li b mt: L cu hi v cu tr li b mt do Khch hng cung cp khi Khch hng ng k s dng dch v Phone Banking, Call Center dng cu hi v cu tr li b mt ny b sung iu kin trong quy trnh nh danh Khch hng khi s dng dch v Phone Banking. 36. S in thoi ng k Phone Banking: L s in thoi m Khch hng khai bo ti phn thng tin Khch hng khi Khch hng giao dch ti Ngn hng. S in thoi ng k c th l s in thoi c nh hoc s in thoi di ng. Mt Khch hng c th c mt hoc nhiu s in thoi ng k Phone Banking. 37. Call Center: L b phn dch v Khch hng ca Ngn hng, tip nhn v thc hin cc yu cu Dch v Phone Banking ca Khch hng thng qua u s 1900 55 88 48 hoc (04) 39 38 1919 hoc s in thoi khc do Ngn hng quy nh trong tng thi k. 38. iu khon iu kin ny: c hiu l iu khon v iu kin s dng dch v BAOVIET Bank II. CC IU KHON V IU KIN CHUNG 1. M ti khon 1.1. Khch hng c nhu cu m ti khon ti BAOVIET Bank cn cung cp cc giy t, h s m ti khon theo yu cu ca Ngn hng v tun th theo cc quy nh ca php lut v ca BAOVIET Bank v m v s dng ti khon. Khch hng phi chu mi trch nhim v tnh y , chnh xc ca cc thng tin, ti liu cung cp cho Ngn hng. 1.2. Khch hng c trch nhim tun th cc quy nh ca Ngn hng v php lnh ngoi hi trong trng hp Khch hng m ti khon ngoi t ti Ngn hng. 2. Qun l ti khon 2.1. a im giao dch: Khch hng m Ti khon ti mt im giao dch c php ca Ngn hng c thc hin giao dch ti tt c cc im giao dch khc ca Ngn hng. 2.2. S d ti thiu: Khch hng cn phi duy tr s d ti thiu trn Ti khon theo quy nh ca Ngn hng trong tng thi k. Ngn hng c quyn iu chnh s d ti thiu trn Ti khon m khng cn thng bo trc cho Khch hng. 2.3. Li sut: Khch hng c hng li cho s tin trn Ti khon theo mc li sut do Ngn hng cng b trong tng thi k v theo tng loi ti khon. 2.4. Thu chi: Khch hng c th s dng hn mc thu chi nu c tha thun thu chi vi Ngn hng. Cc vn lin quan n thu chi ti khon c thc hin theo tha thun gia Khch hng v Ngn hng ph hp vi cc quy nh ca Ngn hng. 2.5. Ph: Ph qun l Ti khon, ph giao dch Ti khon v cc khon ph lin quan khc c thc hin theo biu ph ca Ngn hng cng b trong tng thi k hoc theo tha thun ca Khch hng vi Ngn hng.
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2.6. Cung cp thng tin v Ti khon: Ngn hng s cung cp y cc thng tin, chng t v cc giao dch Ti khon ca Khch hng theo quy nh ca Ngn hng v tha thun vi Khch hng. Ngoi ra, Ch ti khon c th yu cu Ngn hng cung cp thng tin Ti khon t xut v thanh ton ph cung cp thng tin Ti khon t xut theo biu ph ca Ngn hng trong tng thi k. 3. S dng ti khon, dch v 3.1. Vic s dng Ti khon, dch v ca BAOVIET Bank c thc hin theo hng dn ca Ngn hng Nh nc Vit Nam, quy nh ca cc c quan nh nc c thm quyn, quy nh ca BAOVIET Bank v yu cu ca Ch ti khon. 3.2. Khch hng ng s dng Ti khon ca Ngn hng ch vi mc ch hp php. Ngn hng c ton quyn kim tra vic s dng bt hp php hay bt hp l i vi bt k Ti khon no m khng cn thng bo cho Khch hng, ng Ti khon hoc nh ch hot ng Ti khon nhm bo m vic tun th Cc iu khon v iu kin ny v cc quy nh Php lut c lin quan. 3.3. Khch hng ng nhn chng t giao dch nh k hoc t xut theo ng k vi Ngn hng. Ngn hng s cung cp y thng tin Ti khon khi Khch hng c yu cu theo ng quy nh ca Ngn hng. 3.4. Khi Ngn hng nng cp, b sung tnh nng cho dch v sn c hoc cung cp dch v mi m Khch hng s dng dch v th coi nh Khch hng ng vi iu khon iu kin ca dch v v chu s rng buc ca iu khon iu kin ny. 4. S dng ti khon tin gi khng k hn 4.1. Khch hng c php thc hin cc giao dch thanh ton hp php, hp l trong s d kh dng v hn mc thu chi (nu c) ca Ti khon. Khch hng phi tun th quy nh ca Ngn hng i vi cc Dch v c quy nh v hn mc giao dch. 4.2. Khi thc hin giao dch thanh ton ti Ngn hng, Khch hng phi cung cp cc giy t theo quy nh ca Ngn hng. Khch hng phi chu mi trch nhim v tnh hp php, hp l ca cc giy t cung cp v bo m cc bin php an ton trong giao dch rt tin theo quy nh ca Ngn hng. 4.3. Khch hng phi tun th cc hng dn ca Ngn hng v thc hin giao dch ti khon, s dng, lun chuyn v lu tr chng t giao dch, bo m cc bin php an ton trong giao dch do Ngn hng quy nh. 4.4. Khch hng m bo c tin trn Ti khon thc hin cc lnh thanh ton lp, hon tr cho Ngn hng nhng khon ghi C nhm vo Ti khon ca Khch hng. 4.5. Khch hng khng c cho thu, cho mn Ti khon, hoc thc hin giao dch thanh ton qua Ti khon ca mnh bng nhng khon tin c bng chng v ngun gc bt hp php. Khch hng chu trch nhim v nhng sai st hay hnh vi li dng, la o khi s dng Ti khon do li ca mnh. 4.6. Ngn hng c quyn ch ng trch tin trn ti khon ca Khch hng trong cc trng hp sau: a) Khch hng c cc khon n n hn, qu hn, cc khon li v chi ph hp l khc vi Ngn hng; b) Khi c yu cu bng vn bn ca c quan Nh nc c thm quyn; c) iu chnh cc giao dch b sai, hch ton nhm, hch ton khng ng bn cht theo nhn nh ca Ngn hng; d) Cc trng hp theo tha thun gia Ngn hng v Khch hng hoc theo quy nh php lut. 5. S dng ti khon tit kim khng k hn 5.1. Khch hng c th yu cu Ngn hng t ng chuyn tin t Ti khon tin gi thanh ton sang ti khon tit kim khng k hn hoc ngc li bng cch ng k vi Ngn hng v phng thc chuyn tin ty theo tng sn phm Ngn hng cung cp. 5.2. Mi giao dch ca Khch hng trn ti khon tit kim khng k hn c ghi nhn trn Th tit kim. Th tit kim do Ngn hng in n v s dng thng nht trn ton h thng. 5.3. Khch hng c s dng ti khon tit kim khng k hn : np tin, rt tin vo bt k ngy lm vic no ca Ngn hng; y quyn, chuyn nhng, tha k, cho tng theo quy nh ca Php lut v Ngn hng. 6. S dng ti khon tin gi c k hn 6.1. Ti khon tin gi c k hn l ti khon c xc nh k hn v c m theo nhu cu ca Khch hng hng li sut cao hn li sut ti khon tin gi khng k hn. Khch hng c rt hoc chuyn tin sang ti khon tin gi khc ca Khch hng khi o hn (tr khi c tha thun khc vi BAOVIET Bank), nhng khng c thc hin vic thanh ton cho Bn th ba t ti khon ny. 6.2. Nu Ngn hng khng nhn c yu cu lin quan n tin gc v li ph hp vi thi hn thng bo do Ngn hng quy nh trong thi im th vo ngy n hn, Ngn hng s t ng chuyn khon tin gc cng vi tin li sang mt k hn gi mi bng vi k hn ban u ca khon tin gi theo mc li sut p dng ti thi im chuyn k hn. 6.3. Khi s dng ti khon tin gi c k hn, Khch hng phi tun th cc quy nh ca Ngn hng i vi tng sn phm tin gi c k hn c th. 7. S dng ti khon tit kim c k hn 7.1. Khch hng gi tit kim c k hn ti Ngn hng c cp Th tit kim. 7.2. Cc quy nh v k hn, li sut, phng thc tnh li, phng thc tr gc v li v cc quy nh khc lin quan n tng khon tit kim c k hn c thc hin theo quy nh i vi tng sn phm tit kim c k hn ca Ngn hng. 7.3. Khch hng c s dng Th tit kim y quyn, chuyn nhng, tha k, cho tng theo quy nh ca Php lut v Ngn hng v tham gia cc dch v do Ngn hng cung cp. 8. Phong ta ti khon 8.1. Ngn hng thc hin phong ta mt phn hoc ton b s d C trn Ti khon trong cc trng hp sau: a) Khi c tha thun gia Ch ti khon hoc tt c cc ng ch ti khon vi Ngn hng; b) Khi c quyt nh hoc yu cu bng vn bn ca ngi c thm quyn theo quy nh ca Php lut; c) Phong ta phn s d tng ng vi khon ghi C vo ti khon trc khi pht hin thng tin trn lnh chuyn tin v ngi th hng khon tin ghi C khng ng, cha r rng hoc khi ngn hng chuyn tin c yu cu hon tr li tin; d) Cc trng hp khc do Php lut quy nh.
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8.2. S tin b phong ta trn ti khon c bo ton v kim sot cht ch theo ni dung phong ta v vn c hng li theo quy nh ca Ngn hng. Trng hp ti khon b phong ta mt phn th s tin khng b phong ta vn c s dng nh bnh thng. 8.3. Vic phong ta ti khon c chm dt khi: a) Kt thc thi hn phong ta ti khon theo tha thun gia Ch ti khon hoc cc ng ch ti khon vi Ngn hng; b) Ngi c thm quyn theo quy nh ca Php lut ra quyt nh hoc yu cu (bng vn bn) chm dt vic phong ta; c) Sau khi xc minh, lm r mu thun trn lnh chuyn tin v ngi th hng khon tin ghi C vo ti khon trc ; d) Cc trng hp khc theo quy nh ca Php lut. 9. ng ti khon 9.1. Ngn hng ng ti khon ca Khch hng trong cc trng hp sau: a) Khi Ch ti khon yu cu (bng vn bn); b) Khi Ch ti khon b cht, mt tch hoc mt nng lc hnh vi dn s v Ngn hng nhn c cc vn bn cn thit theo quy nh ca Php lut v Ngn hng. 9.2. Khch hng khng c ng ti khon tin gi khi cha hon thnh ngha v thanh ton theo quyt nh cng ch ca c quan Nh nc c thm quyn theo quy nh ca Php lut hoc cha hon tt vic tr n cho BAOVIET Bank. 9.3. Ngn hng c quyn quyt nh vic ng ti khon khi: a) Ch ti khon vi phm Php lut trong thanh ton hoc vi phm tha thun vi Ngn hng. b) i vi Ti khon tin gi thanh ton, nu s d ti khon thp hn s d ti thiu quy nh ti tng thi im ca Ngn hng v Ti khon khng hot ng trong 12 thng. 9.4. Khi ng Ti khon, Khch hng phi thanh ton ph ng Ti khon theo quy nh ca Ngn hng trong tng thi k. 9.5. X l s d cn li trn Ti khon sau khi ng Ti khon: a) Chi tr theo yu cu ca Ch ti khon hoc ca ngi c tha k, i din tha k trong trng hp Ch ti khon cht hoc ca ngi gim h hp php trong trng hp Ch ti khon b mt nng lc hnh vi dn s; b) Chi tr theo quyt nh ca To n hoc ca c quan c thm quyn. c) Trng hp Khch hng cha n nhn, Ngn hng s gi h Khch hng. Sau thi hn 5 nm, nu Ch ti khon, ngi c tha k, i din tha k hoc ngi gim h khng nhn li s tin cn li trn Ti khon (sau khi Ngn hng thng bo bng vn bn), th s tin thuc v Ngn hng. 10. U quyn s dng Ti khon 10.1. Ch ti khon c u quyn cho ngi khc s dng Ti khon. Ch ti khon c th u quyn mt phn hoc ton b quyn ca mnh. Vic y quyn ny phi c th hin bng vn bn theo quy nh ca Ngn hng v quy nh ca Php lut. 10.2. Ngi c u quyn c quyn hn v ngha v nh Ch ti khon trong phm vi c y quyn v khng c y quyn li cho ngi th ba. 10.3. Trong thi hn y quyn, Ch ti khon vn chu trch nhim v mi hot ng ca ti khon v vn c quyn s dng Ti khon. 10.4. Vic chm dt hiu lc ca vn bn y quyn c Ngn hng thc hin khi ht thi hn y quyn nu trong vn bn y quyn hoc khi Ngn hng nhn c Thng bo hy y quyn bng vn bn ca Ch ti khon. 10.5. Cc ng ch ti khon c u quyn cho nhau hoc u quyn cho ngi khc trong vic s dng v qun l Ti khon chung trong phm vi quyn v ngha v ca mnh. 10.6. i vi Ti khon ca Ngi cha thnh nin, Ngi b mt nng lc hnh vi dn s, Ngi b hn ch nng lc hnh vi dn s: Ngi gim h, Ngi i din theo php lut ca Ch ti khon khng c y quyn cho c nhn khc s dng Ti khon ca ngi m mnh gim h, i din. 11. S dng ti khon ca cc ng ch ti khon 11.1. Vic s dng Ti khon chung ca cc ng ch ti khon phi thc hin theo ng cc ni dung cam kt v tha thun trong vn bn tha thun qun l v s dng Ti khon chung ca cc ng ch ti khon. 11.2. Tr khi c tha thun khc v vic s dng Ti khon chung, th vic s dng Ti khon c thc hin theo cc nguyn tc sau: a) Cc ng ch ti khon c quyn v ngha v ngang nhau i vi Ti khon chung v vic s dng Ti khon phi c s chp thun ca tt c cc ng ch ti khon; b) Mi ng ch ti khon phi chu trch nhim thanh ton cho ton b cc ngha v n pht sinh t vic s dng Ti khon; c) Thng bo ca Ngn hng lin quan n s dng Ti khon chung cho mt ng ch ti khon c coi nh thng bo ti tt c cc ng ch ti khon. d) Khi bt k ng ch ti khon no cht, b tuyn b mt tch hoc mt nng lc hnh vi dn s th quyn s dng Ti khon v cc ngha v pht sinh t vic s dng Ti khon c gii quyt theo quy nh ca Php lut. 12. Thng bo v cung cp thng tin 12.1. Khch hng phi thng bo kp thi vi Ngn hng khi pht hin thy sai st, nhm ln trn Ti khon ca mnh hoc Ti khon ca mnh b li dng. Khch hng bo m cung cp thng tin kp thi, chnh xc phc v yu cu ca Ngn hng trong vic cung cp cc dch v lin quan n Ti khon. 12.2. Thng bo ngay cho Ngn hng khi c s thay i cc thng tin v ti khon, thng tin v ngi c y quyn v cc thng tin khc cung cp cho Ngn hng. 12.3. Ngy Ngn hng nhn c cc thng bo ca Khch hng c hiu l ngy Ngn hng thc s nhn c cc thng bo . 12.4. Thng bo ca Ngn hng c xem l gi ti Khch hng, khi thng bo: a) c a ln website ca Ngn hng; hoc b) c nim yt ti cc im giao dch ca Ngn hng; hoc c) c gi ti s my in thoi di ng m Khch hng ng k vi Ngn hng; hoc
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d) c gi ti a ch e-mail m Khch hng ng k vi Ngn hng; hoc e) c gi ti a ch lin h m Khch hng ng k vi Ngn hng sau khong thi gian quy nh thng l ca bu in. 13. S ring bit Nu bt k phn no hoc khon mc no ca iu khon iu kin ny b tuyn b l khng c hiu lc hay khng buc thc hin bi c quan Nh nc c thm quyn, th nhng iu s khng lm v hiu cc iu khon v iu kin khc ca ti liu ny. 14. H tr Khch hng Trong trng hp cn s h tr, hng dn ca Ngn hng lin quan n vic s dng Dch v, Khch hng c th lin lc n B phn h tr Khch hng (Call Center) ca BAOVIET Bank qua in thoi s 1900 55 88 48; (04) 3938 1919 hoc s in thoi khc theo thng bo ca Ngn hng ti tng thi k. 15. Lut iu chnh v gii quyt tranh chp 15.1. iu khon v iu kin ny c iu chnh v gii thch theo php lut Vit Nam. 15.2. Mi tranh chp pht sinh t hoc lin quan n iu khon v iu kin ny, trc ht s c Khch hng v BAOVIET Bank gii quyt thng qua thng lng. Trng hp thng lng khng thnh, tranh chp s c a ra Ta n Vit Nam c thm quyn gii quyt. III. IU KHON, IU KIN PHT HNH V S DNG TH GHI N NI A 1. S dng Th 1.1. Th c s dng rt tin mt, thc hin cc dch v ti ATM; thanh ton hng ho, dch v v cc tin ch khc ti cc VCNT. 1.2. Ti h thng ATM v POS ca Ngn hng, Ch th c th truy cp v s dng ton b cc ti khon lin kt vi Th. Ti h thng ca cc ngn hng trong lin minh, ty theo kh nng p ng ca h thng , Ch th c th s dng ti thiu l Ti khon mc nh thc hin giao dch th. 1.3. Ch th trc tip n Ngn hng nhn Th/PIN, hoc y quyn cho ngi khc n nhn Th/PIN, hoc ngh Ngn hng gi Th/PIN bng ng bu in. Trong mt s trng hp c th do Ngn hng quy nh, Ch th c th ngh nhn vin ca Ngn hng giao Th/PIN ti a ch do Ch th ch nh. Giy y quyn cho ngi khc n nhn Th/PIN c lp bng vn bn hp php. Nu Th/PIN c gi bng ng bu in, Ch th phi chu mi ri ro c th pht sinh. 1.4. Sau khi nhn c Th v PIN, Ch th gi in thoi n B phn h tr khch hng (Call Center) ca Ngn hng yu cu kch hot Th hoc c Ngn hng kch hot th ngay sau khi Ch th nhn th ti Ngn hng. 2. Quyn v trch nhim ca Ch th 2.1. Quyn ca Ch th a) Ch th c s dng Th thanh ton tin hng ha, dch v, rt tin mt, chuyn khon v s dng cc dch v khc t h thng ATM v h thng VCNT ca Ngn hng v cc ngn hng c h thng th kt ni vi h thng th ca Ngn hng di hnh thc kt ni trc tip hoc kt ni gin tip thng qua mt t chc trung gian. Cc giao dch th phi c thc hin bng ng Vit Nam. b) Ch th c quyn yu cu thay i ni dung s dng Th v/hoc cc thng tin ng k theo quy nh ca Ngn hng. c) Ch th c th n phng chm dt vic s dng Th, yu cu i PIN, i Th hoc pht hnh Th mi. Cc yu cu ca Ch th phi c lp thnh vn bn. d) Ch th c quyn yu cu Ngn hng tra sot, khiu ni v cc giao dch th trong vng 30 ngy k t ngy thc hin giao dch . Qu thi hn ny, Ngn hng c quyn t chi gii quyt khiu ni ca Ch th. 2.2. Trch nhim ca Ch th a) Ch th phi k ch k mu vo ch k mt sau ca Th ngay sau khi nhn Th. Mi ln s dng Th thanh ton tin hng ho dch v, Ch th phi k ho n giao dch ging ch k mu ny tr nhng giao dch thc hin bng ha n t hng qua th, in thoi, Internet hoc cc hnh thc khc c s chp nhn ca Ngn hng v khng yu cu c ch k ca Ch th. b) Phi thay i s PIN do Ngn hng cp khi s dng Th ln u hoc khi nhn c s PIN cp li. c) Ch th c trch nhim bo mt PIN, ct gi v bo qun Th. Ch th khng c chuyn nhng, cm c, th chp Th hoc a Th cho ngi khc s dng, khng c tit l PIN cho ngi khc. d) Thng bo bng hnh thc nhanh nht cho Ngn hng khi Th b mt cp, tht lc, l s PIN hoc nghi ng Th ang b li dng theo s in thoi 1900 55 88 48, hoc 04 3938 1919, hoc s in thoi h tr khc theo thng bo ca Ngn hng trong tng thi k. Sau , Ngn hng c th yu cu Ch th phi xc nhn bng vn bn cho Ngn hng. Trong 01 (mt) gi lm vic k t thi im nhn c thng bo hp l ca Ch th, Ngn hng thc hin kha Th. Cho n khi Ngn hng kha Th, Ch th vn phi chu trch nhim v tt c cc giao dch thc hin trc . e) Khng s dng li Th thng bo mt, tht lc v tr li cho Ngn hng Th b mt, tht lc khi tm li c. f) Kim tra, thanh ton y cc khon ph lin quan n cc giao dch Th theo biu ph c Ngn hng quy nh trong tng thi k. g) Cng nhn v chu trch nhim i vi cc giao dch v chng t rt tin mt, yu cu chuyn khon hoc chng t lin quan n giao dch th c s dng PIN thc hin ti ATM v VCNT. h) Sau 45 ngy k t ngy pht hnh Th, nu Ch th khng n nhn Th hoc nhn vin Ngn hng, trong kh nng hp l ca mnh, khng th giao Th cho Ch th, th Th s b hy v Ch th phi chu khon ph pht hnh Th. i) Ch th khng c s dng Th thc hin cc giao dch khi Ti khon khng cn s d c php s dng hoc Ti khon ht hn mc thu chi.
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j) Ch th chu trch nhim gii quyt cc mu thun vi VCNT v cc vn lin quan n hng ha, dch v khi thanh ton Th. k) Ch th chnh, ch th ph cng chu trch nhim chung v mi ngi chu trch nhim ring trong vic thc hin cc iu khon v iu kin s dng Th tha thun vi Ngn hng. Ch th chnh chu trch nhim vi Ngn hng v vic s dng Th ca ch th ph, c trch nhim thanh ton cho Ngn hng tt c cc giao dch th ca ch th chnh hoc ch th ph. Trng hp ch th chnh b cht, mt tch hoc mt nng lc hnh vi dn s th vic thanh ton cho Ngn hng v vic tha hng s d trn Ti khon ca ch th chnh c thc hin theo quy nh ca Ngn hng v s dng Ti khon v quy nh ca Php lut. 3. Quyn v trch nhim ca Ngn hng 3.1. Quyn ca Ngn hng a) Ghi n Ti khon ca Ch th cc khon chi v cc khon thanh ton lin quan n vic s dng Th. b) Ngn hng khng chu trch nhim v vic giao hng hoc cht lng hng ha, dch v c thanh ton bng Th. Ngn hng c quyn ghi N Ti khon hoc tin hnh truy thu gi tr cc giao dch thanh ton bng Th cho d hng ha, dch v c c giao hoc thc hin hay khng. c) Cung cp cho cc c quan c thm quyn thng tin v Ch th, Ti khon, giao dch phc v cho vic tra sot, khiu ni cc Giao dch th theo quy nh ca Php lut. d) Chm dt vic s dng Th ca Ch th bng vic kha hoc thu hi Th nu Ch th vi phm iu khon v iu kin pht hnh v s dng Th, s dng Th gi mo v/hoc Th b nghi ng l gi mo. e) c quy nh cc bin php bo m an ton trong thanh ton ty theo yu cu v c th hot ng ca Ngn hng. f) c quyn t ng ghi N vo Ti khon ca Ch th (hoc truy i Ch th) da trn d liu h thng v chng t k ton hp l, hp php i vi cc khon m Ch th rt tha, rt qu s d, giao dch ghi C nhm vo Ti khon ca Ch th, giao dch tra sot khiu ni ti ATM v VCNT c tm ng cho Ch th v cc giao dch nhm ln khc m Ch th khng chng minh c quyn s hu hp php. g) T ng ng Ti khon ca Ch th nu Th khng hot ng trong vng 01 (mt) nm lin tc. h) c quyn t chi thanh ton Th trong cc trng hp sau: Th gi hoc c lin quan n giao dch gi mo; Th c Ch th thng bo b mt cp, tht lc; Ch th khng thanh ton y cc khon thu chi, li hoc ph theo quy nh ca Ngn hng; Ch th vi phm quy nh ca Php lut, quy nh ca Ngn hng hoc tha thun gia Ch th v Ngn hng. i) c min trch trong trng hp h thng x l, h thng truyn tin,... b trc trc hoc bt k s c no ngoi kh nng kim sot ca Ngn hng. j) Bt c yu cu no ca Ch th lin quan n vic pht hnh v s dng Th phi c thc hin bng vn bn hoc bng hnh thc c Php lut cho php hoc do hai bn tha thun. Ngn hng khng chu trch nhim v nhng thit hi pht sinh do vic thc hin theo cc yu cu ca Ch th khng thc hin thng qua hnh thc ny. 3.2. Trch nhim ca Ngn hng a) Tun th cc quy nh v pht hnh v thanh ton Th. b) Tn trng cc quyn ca Ch th. c) Bo mt cc thng tin lin quan n Ch th tr khi Php lut c quy nh khc. d) Chu trch nhim kha Th trong vng 01 (mt) gi ng h k t khi nhn c thng bo Th b mt cp, tht lc hoc b l m PIN ca Ch th. e) Chu trch nhim gii quyt cc yu cu tra sot, khiu ni ca Ch th lin quan n vic s dng Th. f) Tr Th b gi ti my ATM ca Ngn hng cho Ch th trong vng 04 (bn) ngy lm vic v 10 (mi) ngy lm vic i vi Th b gi ti cc Ngn hng trong lin minh k t khi nhn c thng bo ca Ch th. g) Ngn hng c trch nhim tr li tra sot khiu ni giao dch ca Ch th trong vng ti a 30 ngy k t ngy Ngn hng nhn c yu cu tra sot khiu ni hp l ca Ch th v vic s dng dch v Th. 4. Khng hy ngang giao dch Ngn hng coi bt k giao dch th no thc hin thnh cng l giao dch c gi tr v khng hu ngang. Ch th khng th hy, thay i, ph nhn, thoi thc cc giao dch v phi chu hon ton trch nhim cng nh ngha v vi Ngn hng i vi cc giao dch . 5. Ph dch v 5.1. Biu ph s dng dch v Th v cc dch v lin quan s do Ngn hng quy nh trong tng thi k. 5.2. Khch hng ng Ngn hng c ghi n Ti khon ca Khch hng thanh ton cho khon ph lin quan n dch v m Khch hng s dng. 6. Sa i ni dung iu khon 6.1. Ngn hng c php sa i ni dung iu khon v iu kin pht hnh v s dng Th ghi n ni a bng cch thng bo cho Ch th. Ngy hiu lc ca cc sa i ny s c nu trong thng bo. 6.2. Nu Ch th khng ng vi cc sa i ca iu khon v iu kin pht hnh v s dng Th ghi n ni a do Ngn hng a ra, Ch th c quyn khng tip tc s dng Th ca Ngn hng na. 6.3. Vic tip tc s dng Th sau khi cc sa i iu khon v iu kin pht hnh v s dng Th ghi n ni a c hiu lc c ngha l Ch th chp nhn v chu s rng buc ca cc sa i . IV. IU KHON, IU KIN S DNG DCH V BAOVIET i-BANKING Dch v BAOVIET i-Banking l tn gi dch v Internet Banking ca BAOVIET Bank. 1. Cc Yu t nh danh ca Khch hng
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1.1. Cc Yu t nh danh ca Khch hng ng nhp v s dng BAOVIET i-Banking gm: a) Tn ng nhp (Username): L nhn dng do Khch hng ng k v c Ngn hng chp thun cp cho Khch hng. Tn ng nhp ca mi Khch hng l duy nht, khng trng lp; b) Mt khu (Password): L m b mt c nhn ca Khch hng, c s dng khi Khch hng ng nhp BAOVIET i-Banking; c) M bo mt: L mt chui k t c to ra mt cch ngu nhin, c thi gian hiu lc nht nh v ch s dng c mt ln. M bo mt c khi to trn Thit b bo mt (gi tt l OTP Token) hoc do H thng ca Ngn hng khi to v gi n s in thoi di ng ng k ca Khch hng di dng tin nhn (gi tt l OTP SMS); 1.2. Khch hng ng rng bt c s ng nhp no vo BAOVIET i-Banking bng cc Yu t nh danh quy nh ti khon IV.1.1, iu ny u c Ngn hng xem l s ng nhp ca Khch hng v cc giao dch thc hin sau s ng nhp ny l giao dch do Khch hng thc hin. 2. Phng thc xc thc v Thit b bo mt 2.1. Phng php xc thc: L cch thc H thng ca Ngn hng xc thc Khch hng v giao dch qua BAOVIET i-Banking ca Khch hng. Phng php xc thc s dng Tn ng nhp, Mt khu, M bo mt l OTP Token hoc OTP SMS v cc yu t nh danh khc theo quy nh ca Ngn hng. 2.2. Thit b bo mt (Token): l thit b dnh cho Khch hng, dng khi to M bo mt. 2.3. Khch hng la chn phng thc xc thc c OTP Token phi mua Token do Ngn hng cung cp. 3. Ngha v bo mt ca Khch hng 3.1. Khch hng ng tun th v lm theo cc hng dn, khuyn co ca BAOVIET Bank v bo mt cc Yu t nh danh v Thit b bo mt ca Khch hng. 3.2. Khch hng c trch nhim t trang b y , bo tr cc chng trnh phn mm, cc thit b phn cng c th s dng an ton Dch v BAOVIET i-Banking. 3.3. Khch hng bo m rng, Khch hng l ngi duy nht c th s dng Tn ng nhp, Mt khu, M bo mt v cc Yu t nh danh khc truy cp v s dng Dch v BAOVIET i-Banking. Khch hng bo m rng, khng bao gi tit l Mt khu, M bo mt ca mnh cho bt k ai, k c nhn vin ca Ngn hng. 3.4. Khch hng c trch nhim gi b mt Mt khu, M bo mt v cc Yu t nh danh khc ca mnh; gi gn bo qun Thit b bo mt mt cch an ton. ng thi, Khch hng phi p dng mi bin php hp l nhm bo m an ton i vi cc my mc, thit b, phn mm, c th kt ni, truy cp an ton vo BAOVIET i-Banking; kim sot, phng nga v ngn chn vic s dng hoc truy cp tri php BAOVIET i-Banking. 3.5. Khch hng phi thng bo ngay lp tc cho Ngn hng khi pht hin hoc nghi ng Mt khu, M bo mt hoc bt k Yu t nh danh no khc ca mnh b l hoc Thit b bo mt b mt, b ngi khc chim dng. Khch hng c th thng bo trc tip ti cc im giao dch ca Ngn hng hoc gi in thoi ti b phn h tr Khch hng ca Ngn hng. Ngn hng c th yu cu Khch hng xc nhn bng vn bn sau khi Khch hng thng bo qua in thoi. Trong 01 gi lm vic, k t thi im nhn c thng bo hp l ca Khch hng, Ngn hng thc hin kha Thit b bo mt, kha Tn ng nhp. Cho n khi Ngn hng kha Thit b bo mt, kha Tn ng nhp, Khch hng vn phi chu trch nhim v tt c cc giao dch thc hin trc . 4. Giao dch ti chnh trn BAOVIET i-Banking 4.1. Khch hng ng y quyn cho Ngn hng t ng trch tin t Ti khon ca Khch hng thc hin cc giao dch ti chnh qua BAOVIET i-Banking. Khch hng m bo Ti khon ca Khch hng c s d thc hin giao dch qua BAOVIET i-Banking. 4.2. Lnh chuyn tin ca Khch hng n ti khon trong cng H thng ca Ngn hng, c thc hin ngay khi Ngn hng nhn c lnh. Ngy giao dch c ghi nhn l ngy H thng ca Ngn hng hch ton giao dch. 4.3. Lnh chuyn tin ca Khch hng n ti khon ti cc ngn hng khc trn lnh th Vit Nam: a) Nu Ngn hng nhn c lnh ca Khch hng khng mun hn 14h trong ngy lm vic ca Ngn hng, th lnh c x l trong cng ngy; b) Nu Ngn hng nhn c lnh ca Khch hng sau 14h trong ngy lm vic ca Ngn hng, th lnh c x l vo ngy lm vic k tip ca Ngn hng; c) Nu Ngn hng nhn c lnh ca Khch hng trong ngy th By, Ch nht, ngy ngh lm vic khc, th lnh c x l vo ngy lm vic k tip ca Ngn hng. 4.4. Vic Khch hng nhp xong lnh chuyn tin trn BAOVIET i-Banking ch c hiu l Khch hng khai bo xong lnh chuyn tin vi Ngn hng v khng c ngha l giao dch chuyn tin theo lnh ca Khch hng c thc hin thnh cng. 4.5. Ngn hng khng chu trch nhim v tnh chnh xc, trung thc, hp php ca cc lnh chuyn tin ca Khch hng, ngoi vic kim tra ng cc Yu t nh danh ca Khch hng. 4.6. Khch hng ng rng mi d liu, thng tin ghi nhn trn H thng ca Ngn hng hoc ca cc Ngn hng c lin quan n giao dch, d di bt k hnh thc no, v vic nhn v x l cc lnh giao dch c to lp trn BAOVIET i-Banking ca Khch hng cng nh ni dung ca cc lnh giao dch l bng chng c gi tr php l rng Khch hng s dng Dch v BAOVIET i-Banking v Khch hng phi chu trch nhim v cc lnh giao dch m mnh khi to cho d cc d liu ny khng phi l bn chnh, khng c ch k ca Khch hng. 4.7. Khch hng ng Ngn hng ly li tin chuyn nhm, chuyn tha khi thc hin giao dch chuyn tin theo lnh ca Khch hng. 4.8. Khch hng thc hin cc giao dch ti chnh thuc cc dch v gia tng trn BAOVIET i-Banking phi tun th cc quy nh i vi tng dch v. 5. T chi thc hin lnh giao dch 5.1. Ngn hng c quyn t chi thc hin lnh giao dch ca Khch hng trong cc trng hp sau:
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a) Ti khon thanh ton ca Khch hng khng s d thc hin theo lnh ca Khch hng; b) Cc thng tin trn lnh giao dch ca Khch hng l khng hp l, khng chnh xc, khng y hoc khng r rng Ngn hng thc hin yu cu; c) Ngn hng nghi ng c Bn th ba li dng cc Yu t nh danh ca Khch hng thc hin giao dch; d) C cn c xc nh rng Khch hng thc hin giao dch vo cc mc ch bt hp php. 5.2. Trong cc trng hp t chi quy nh ti khon IV.5.1, iu ny, Ngn hng c min tr mi trch nhim, thit hi pht sinh t s t chi . 6. Khng hy ngang giao dch 6.1. K t thi im giao dch ca Khch hng c nhp xong vo h thng x l ca Ngn hng, Khch hng khng th hy, thay i, ph nhn, thoi thc giao dch . Ngn hng coi l cc giao dch c gi tr v khng hy ngang. Khch hng phi chu hon ton trch nhim cng nh ngha v vi Ngn hng i vi cc giao dch . 6.2. Trng hp Khch hng mun hy lnh giao dch thc hin trn BAOVIET i-Banking, th Ngn hng c th (nhng khng bt buc) xem xt ngh ca Khch hng vi cc iu kin sau: a) ngh hy giao dch c gi n Ngn hng ngay lp tc sau khi Khch hng thc hin giao dch; b) Ngn hng cha ghi nhn v cha x l lnh giao dch ca Khch hng trn h thng x l ca Ngn hng; c) Vic hu giao dch khng lm nh hng n quyn li ca Ngn hng cng nh quyn li ca bt k mt bn th ba no khc. 6.3. Trong trng hp quy nh ti khon IV.6.2, iu ny, Khch hng c ngha v thanh ton ton b cc khon chi ph pht sinh (nu c). 7. Trch nhim i vi khiu ni, tn tht, thit hi 7.1. Mi khiu ni, trch nhim, tn tht hoc thit hi pht sinh t hoc lin quan n cc giao dch c thc hin bng Tn ng nhp, Mt khu, M bo mt v cc Yu t nh danh khc ca Khch hng l thuc trch nhim duy nht ca Khch hng. 7.2. Ngn hng khng chu trch nhim i vi bt c khiu ni, trch nhim, tn tht v thit hi no pht sinh t cc giao dch ca Khch hng trong qu trnh s dng Dch v BAOVIET i-Banking, tr trng hp nhng khiu ni, trch nhim, tn tht, thit hi ny l do li ch quan ca Ngn hng. 7.3. Trng hp Khch hng ngng s dng hoc Ngn hng ngng cung cp Dch v BAOVIET i-Banking, th Khch hng vn phi chu trch nhim v mi khiu ni, trch nhim, tn tht, thit hi pht sinh vi Khch hng trc . 7.4. Ngn hng khng chu trch nhim v vic my tnh hoc thit b truy cp BAOVIET i-Banking ca Khch hng b h hng, mt d liu, cc chng trnh phn mm b xa hoc chy khng n nh. Ngn hng bo m rng, chng trnh BAOVIET iBanking chy n nh, an ton v tun th cc quy nh ca Php lut lin quan n vic cung ng dch v ngn hng in t. 7.5. Ngn hng khng chu trch nhim i vi nhng thit hi, tn tht trc tip hoc gin tip m Khch hng phi chu pht sinh t hoc pht sinh do: a) Vic bn th ba, bng bt c cch no, tip cn v s dng thng tin (bao gm OTP SMS) do Ngn hng gi ti s in thoi hoc email ng k ca Khch hng; b) S ngt qung, tr hon, chm ch, tnh trng khng sn sng s dng hoc bt k s c no xy ra trong qu trnh cung cp Dch v BAOVIET i-Banking do cc nguyn nhn nm ngoi kh nng kim sot hp l ca Ngn hng, bao gm nhng khng gii hn bi tnh trng gin on ca chng trnh do chng trnh cn c nng cp, sa cha hoc li ng truyn ca nh cung cp dch v Internet, dch v vin thng hoc hnh ng ca bn th ba cung cp dch v; c) Bt c hnh ng bt kh khng no, bao gm nhng khng gii hn bi thin tai, ha hon, dch bnh, nh cng, bo lon hoc cc yu cu hay ch th ca Chnh ph v cc c quan nh nc khc. 8. Ph dch v 8.1. Ngn hng c quyn thu ph lin quan ti vic s dng, thay i, chm dt s dng Dch v BAOVIET i-Banking. Vic thu ph Dch v BAOVIET i-Banking c thc hin ngay hoc sau khi Khch hng ng k s dng, thay i, chm dt dch v ty thuc vo loi dch v m Ngn hng cung cp trn BAOVIET i-Banking. 8.2. Ph Dch v BAOVIET i-Banking c thc hin theo quy nh ca Ngn hng trong tng thi k. Ngn hng s thng bo cc loi ph v s thay i cc mc ph lin quan n Dch v BAOVIET i-Banking. 8.3. Khch hng ng Ngn hng c ghi n bt k ti khon no ca Khch hng thanh ton cho khon ph lin quan n dch v m Khch hng s dng. 8.4. Khch hng phi t thanh ton trc tip mi khon ph dch v vin thng vi cc n v cung cp dch v vin thng. 9. Bn quyn Mi thit k, biu tng, ngn ng, hnh nh, bo co v cc thng tin khc do BAOVIET Bank cung cp trn Dch v BAOVIET i-Banking l ti sn thuc quyn s hu tr tu ca BAOVIET Bank. Bt k s sao chp, thay i, sa cha bn quyn no m khng c s cho php trc bng vn bn ca BAOVIET Bank u b nghim cm. 10. Khuyn co v thng tin 10.1. Thng tin cung cp cho Khch hng t Dch v BAOVIET i-Banking ch l tham kho v khng rng buc Ngn hng. Khch hng cng nhn rng, thng tin c cung cp c th khng chnh xc. V vy, Khch hng c trch nhim kim tra, xc minh chnh xc ca thng tin nhn c. Trong trng hp pht hin thng tin c cung cp khng chnh xc, Khch hng c trch nhim thng bo ngay cho Ngn hng. 10.2. Nu c bt k im khc nhau no gia h s lu ni b ca Ngn hng v thng tin m Khch hng nhn c t Dch v BAOVIET i-Banking, th h s lu ni b ca Ngn hng s c u tin cp, tr trng hp c bng chng ngc li. 10.3. Khch hng phi thng bo cho Ngn hng bt k s thay i no v a ch email, s in thoi di ng ng k ca Khch hng. Tr khi nhn c thng bo thay i hp l ca Khch hng, Ngn hng s tip tc cung cp dch v qua a ch email, s in thoi di ng m Khch hng ng k. 11. Cho php s dng thng tin
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Khch hng hiu v ng rng cc thng tin m Khch hng cung cp s c BAOVIET Bank s dng v lu gi trc ht l phc v cho vic cung cp Dch v BAOVIET i-Banking. Ngoi ra, trong phm vi hp l v bo m quy nh v bo mt thng tin ca Khch hng, BAOVIET Bank c th cung cp, trao i mt s thng tin ca Khch hng vi cc n v thnh vin ca Tp on Ti chnh - Bo him Bo Vit hoc cc i tc uy tn ca BAOVIET Bank v cc mc ch lin quan n dch v hoc pht trin, tng cng vic cung cp cc dch v ti chnh, ngn hng ca BAOVIET Bank v cc thnh vin ca Tp on Bo Vit. 12. Thay i, tm ngng v chm dt cung cp Dch v BAOVIET i-Banking 12.1. Ngn hng c quyn thay i, tm ngng hoc chm dt cung cp mt phn hoc ton b Dch v BAOVIET i-Banking vo bt k thi im no m khng cn s ng ca Khch hng. Trong nhng trng hp , Ngn hng s thng bo cho Khch hng. 12.2. Ngn hng c quyn tm ngng hoc chm dt cung cp dch v m khng cn phi thng bo trc trong trng hp Khch hng khng tun th cc yu cu bo mt, hoc thc hin cc giao dch bt hp php, hoc vi phm ngha v, trch nhim ca Khch hng hoc c s c ca nh cung cp dch v vin thng, dch v mng... 12.3. Ngn hng c quyn n phng sa i, b sung cc iu khon, iu kin v vic cung cp Dch v BAOVIET i-Banking vo bt c lc no. Trong trng hp ny, Ngn hng s thng bo cho Khch hng. Cc sa i, b sung ny s c hiu lc k t ngy c ghi r trong thng bo. Nu t ngy cc sa i, b sung c hiu lc m Khch hng vn tip tc s dng Dch v BAOVIET i-Banking th c hiu l Khch hng ng vi cc sa i, b sung ca Ngn hng v chu s rng buc ca cc sa i, b sung . 13. Thay i hoc chm dt s dng Dch v BAOVIET i-Banking 13.1. Khch hng c quyn thay i hoc chm dt s dng Dch v BAOVIET i-Banking vo bt k lc no. Khch hng c trch nhim thng bo cho Ngn hng bng vn bn v vic thay i hoc chm dt s dng dch v. 13.2. K t thi im Ngn hng chm dt cung cp dch v, Khch hng khng c s dng hoc chuyn cho ngi khc Tn ng nhp, Mt khu, M bo mt v cc Yu t nh danh khc m Khch hng s dng trc di bt k hnh thc no. 14. Khiu ni 14.1. Trng hp c khiu ni lin quan n giao dch trn BAOVIET i-Banking, Khch hng phi khiu ni n Ngn hng trong thi hn 30 ngy, k t ngy Khch hng thc hin giao dch . Qu thi hn ny, Ngn hng c quyn t chi gii quyt khiu ni ca Khch hng. 14.2. Vic gii quyt mu thun vi nh cung cp dch v v cc vn lin quan n hng ha, dch v thc hin thanh ton qua BAOVIET i-Banking l thuc trch nhim ca Khch hng. V. IU KHON, IU KIN S DNG DCH V MOBILE BANKING 1. Cam kt ca Khch hng 1.1. Khch hng ng y quyn cho Ngn hng t ng trch tin t Ti khon ca Khch hng thc hin cc giao dch qua Mobile Banking. Khch hng m bo Ti khon ca Khch hng c s d thc hin giao dch qua Mobile Banking. 1.2. Khch hng ng rng tin nhn hoc thng bo c coi l gi ti Khch hng nu c thc hin bi nh cung cp dch v bt k Khch hng c nhn c hay khng. Khch hng t b cc quyn khiu ni, khiu kin i vi Ngn hng trong trng hp thng tin b gi nhiu ln, khng gi c hoc gi khng hp l do li ca bn th ba, hoc do li ng truyn, mng, h thng, in hoc cc li k thut khc ca bn cung ng dch v. 1.3. Khch hng hiu v ng rng Ngn hng c coi l nhn c lnh giao dch ca Khch hng thc hin qua Mobile Banking khi v ch khi h thng thng tin ca Ngn hng nhn c lnh giao dch v Ngn hng c min trch trong trng hp lnh giao dch Mobile Banking ca Khch hng khng c gi ti Ngn hng do li ng truyn, li mng hoc li ca bn th ba. Thi im Ngn hng nhn lnh giao dch ca Khch hng l thi im lnh giao dch c cp nht vo h thng ca Ngn hng. 1.4. Khch hng ng rng mi d liu, thng tin ghi nhn trn h thng ca Ngn hng hoc ca cc ngn hng c lin quan n giao dch, d di bt k hnh thc no, v vic nhn v x l cc lnh giao dch c to lp trn Mobile Banking ca Khch hng cng nh ni dung ca cc lnh giao dch l bng chng c gi tr php l v Khch hng phi chu trch nhim v cc lnh giao dch m mnh khi to cho d cc d liu ny khng phi l bn chnh, khng c ch k ca Khch hng. 1.5. Khch hng ng nhn cc thng tin c gi t Ngn hng theo s in thoi ng k dch v vi Ngn hng. Vic gi tin nhn s c thc hin theo yu cu ca Khch hng khi ng k s dng dch v. Ngoi ra Khch hng ng Ngn hng t ng gi ti Khch hng khi c thng tin, thng bo, hng dn lin quan n sn phm, dch v, cc chng trnh u i, khuyn mi do Ngn hng cung cp. 1.6. Khch hng ng Ngn hng ly li tin chuyn nhm, chuyn tha khi thc hin giao dch theo lnh ca Khch hng. 1.7. Khch hng hiu v ng rng vo khong thi gian h thng ca Ngn hng thc hin kha s trong ngy th mt s giao dch qua Mobile Banking c th khng thc hin c hoc khng c x l ngay, v thi im giao dch c ghi nhn l thi im h thng ca Ngn hng hch ton giao dch. 2. T chi thc hin lnh giao dch 2.1. Ngn hng c quyn t chi thc hin lnh giao dch ca Khch hng trong cc trng hp sau: a) Ti khon thanh ton ca Khch hng khng s d thc hin theo lnh ca Khch hng; b) Cc thng tin trn lnh giao dch ca Khch hng l khng hp l, khng chnh xc, khng y hoc khng r rng Ngn hng thc hin yu cu; c) Ngn hng nghi ng c Bn th ba li dng cc Yu t nh danh ca Khch hng thc hin giao dch; d) C cn c xc nh rng Khch hng thc hin giao dch vo cc mc ch bt hp php. 2.2. Trong cc trng hp t chi lnh giao dch nu trn, Ngn hng c min tr mi trch nhim, thit hi pht sinh t s t chi .
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3. Khng hy ngang giao dch 3.1. K t thi im giao dch ca Khch hng c nhp xong vo h thng x l ca Ngn hng, Khch hng khng th hy, thay i, ph nhn, thoi thc giao dch . Ngn hng coi l cc giao dch c gi tr v khng hy ngang. Khch hng phi chu hon ton trch nhim cng nh ngha v vi Ngn hng i vi cc giao dch . 3.2. Trng hp Khch hng mun hy lnh giao dch thc hin trn Mobile Banking, th Ngn hng c th (nhng khng bt buc) xem xt ngh ca Khch hng vi cc iu kin sau: a) ngh hy giao dch c gi n Ngn hng ngay lp tc sau khi Khch hng thc hin giao dch; b) Ngn hng cha ghi nhn v cha x l lnh giao dch ca Khch hng trn h thng x l ca Ngn hng; c) Vic hu giao dch khng lm nh hng n quyn li ca Ngn hng cng nh quyn li ca bt k mt bn th ba no khc. 3.3. Trong trng hp quy nh ti khon V.3.2, iu ny, Khch hng c ngha v thanh ton ton b cc khon chi ph pht sinh (nu c). 4. Trch nhim i vi khiu ni, tn tht, thit hi 4.1. Ngn hng khng chu trch nhim i vi bt c khiu ni, trch nhim, tn tht v thit hi no pht sinh t cc giao dch ca Khch hng trong qu trnh s dng Dch v Mobile Banking, tr trng hp nhng khiu ni, trch nhim, tn tht, thit hi ny l do li ch quan ca Ngn hng. 4.2. Trng hp Khch hng ngng s dng hoc Ngn hng ngng cung cp Dch v Mobile Banking, th Khch hng vn phi chu trch nhim v mi khiu ni, trch nhim, tn tht, thit hi pht sinh vi Khch hng trc . 4.3. Ngn hng khng chu trch nhim v vic my tnh hoc thit b truy cp Mobile Banking ca Khch hng b h hng, mt d liu, cc chng trnh phn mm b xa hoc chy khng n nh. Ngn hng bo m rng, chng trnh Mobile Banking chy n nh, an ton v tun th cc quy nh ca Php lut lin quan n vic cung ng dch v ngn hng in t. 4.4. Ngn hng khng chu trch nhim i vi nhng thit hi, tn tht trc tip hoc gin tip m Khch hng phi chu pht sinh t hoc pht sinh do: a) Vic bn th ba, bng bt c cch no, tip cn v s dng thng tin (bao gm OTP SMS) do Ngn hng gi ti s in thoi hoc email ng k ca Khch hng, hoc do Khch hng gi ti Ngn hng t s in thoi ng k ca Khch hng; b) S ngt qung, tr hon, chm ch, tnh trng khng sn sng s dng hoc bt k s c no xy ra trong qu trnh cung cp Dch v Mobile Banking do cc nguyn nhn nm ngoi kh nng kim sot hp l ca Ngn hng, bao gm nhng khng gii hn bi tnh trng gin on ca chng trnh do chng trnh cn c nng cp, sa cha hoc li ng truyn ca nh cung cp dch v Internet, dch v vin thng hoc hnh ng ca bn th ba cung cp dch v; c) Bt c hnh ng bt kh khng no, bao gm nhng khng gii hn bi thin tai, ha hon, dch bnh, nh cng, bo lon hoc cc yu cu hay ch th ca Chnh ph v cc c quan nh nc khc. 5. Ph dch v 5.1. Ngn hng c quyn thu ph lin quan ti vic s dng, thay i, chm dt s dng Dch v Mobile Banking. Vic thu ph Dch v Mobile Banking c thc hin ngay hoc sau khi Khch hng ng k s dng, thay i, chm dt dch v ty thuc vo loi dch v m Ngn hng cung cp trn Mobile Banking. 5.2. Ph Dch v Mobile Banking c thc hin theo quy nh ca Ngn hng trong tng thi k. Ngn hng s thng bo cc loi ph v s thay i cc mc ph lin quan n Dch v Mobile Banking. 5.3. Khch hng ng Ngn hng c ton quyn ghi n bt k ti khon no ca Khch hng thanh ton cho khon ph lin quan n dch v m Khch hng s dng. 5.4. Khch hng phi t thanh ton trc tip mi khon ph dch v vin thng vi cc n v cung cp dch v vin thng. 6. Bn quyn Mi thit k, biu tng, ngn ng, hnh nh, bo co v cc thng tin khc do BAOVIET Bank cung cp trn Dch v BAOVIET i-Banking l ti sn thuc quyn s hu tr tu ca BAOVIET Bank. Bt k s sao chp, thay i, sa cha bn quyn no m khng c s cho php trc bng vn bn ca BAOVIET Bank u b nghim cm. 7. Khuyn co v thng tin 7.1. Thng tin cung cp cho Khch hng t Dch v Mobile Banking ch l tham kho v khng rng buc Ngn hng. Khch hng cng nhn rng, thng tin c cung cp c th khng chnh xc. V vy, Khch hng c trch nhim kim tra, xc minh chnh xc ca thng tin nhn c. Trong trng hp pht hin thng tin c cung cp khng chnh xc, Khch hng c trch nhim thng bo ngay cho Ngn hng. 7.2. Nu c bt k im khc nhau no gia h s lu ni b ca Ngn hng v thng tin m Khch hng nhn c t Dch v Mobile Banking, th h s lu ni b ca Ngn hng s c u tin cp, tr trng hp c bng chng ngc li. 7.3. Khch hng phi thng bo cho Ngn hng bt k s thay i no v a ch email, s in thoi di ng ng k ca Khch hng. Tr khi nhn c thng bo thay i hp l ca Khch hng, Ngn hng s tip tc cung cp dch v qua a ch email, s in thoi di ng m Khch hng ng k. 8. Cho php s dng thng tin Khch hng hiu v ng rng cc thng tin m Khch hng cung cp s c BAOVIET Bank s dng v lu gi trc ht l phc v cho vic cung cp Dch v Mobile Banking. Ngoi ra, trong phm vi hp l v bo m quy nh v bo mt thng tin ca Khch hng, BAOVIET Bank c th cung cp, trao i mt s thng tin ca Khch hng vi cc n v thnh vin ca Tp on Ti chnh - Bo him Bo Vit hoc cc i tc uy tn ca BAOVIET Bank v cc mc ch lin quan n dch v hoc pht trin, tng cng vic cung cp cc dch v ti chnh, ngn hng ca BAOVIET Bank v cc thnh vin ca Tp on Bo Vit. 9. Thay i, tm ngng v chm dt cung cp Dch v Mobile Banking
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9.1. Ngn hng c quyn thay i, tm ngng hoc chm dt cung cp mt phn hoc ton b Dch v Mobile Banking vo bt k thi im no m khng cn s ng ca Khch hng. Trong nhng trng hp , Ngn hng s thng bo cho Khch hng. 9.2. Ngn hng c quyn tm ngng hoc chm dt cung cp dch v m khng cn phi thng bo trc trong trng hp Khch hng khng tun th cc yu cu bo mt, hoc thc hin cc giao dch bt hp php, hoc vi phm ngha v, trch nhim ca Khch hng hoc c s c ca nh cung cp dch v vin thng, dch v mng... 9.3. Ngn hng c quyn n phng sa i, b sung cc iu khon, iu kin s dng Mobile Banking vo bt c lc no. Trong trng hp ny, Ngn hng s thng bo cho Khch hng. Cc sa i, b sung ny s c hiu lc k t ngy c ghi r trong thng bo. Nu t ngy cc sa i, b sung c hiu lc m Khch hng vn tip tc s dng Mobile Banking th c hiu l Khch hng ng vi cc sa i, b sung ca Ngn hng v chu s rng buc ca cc sa i, b sung . 10. Khiu ni 10.1. Trng hp c khiu ni lin quan n giao dch trn Mobile Banking, Khch hng phi khiu ni n Ngn hng trong thi hn 30 ngy, k t ngy Khch hng thc hin giao dch . Qu thi hn ny, Ngn hng c quyn t chi gii quyt khiu ni ca Khch hng. 10.2. Vic gii quyt mu thun vi nh cung cp dch v v cc vn lin quan n hng ha, dch v thc hin thanh ton qua Mobile Banking l thuc trch nhim ca Khch hng. 11. Quy nh ring i vi Dch v Mobile Wap 11.1. Cc Yu t nh danh ca Khch hng a) Cc Yu t nh danh ca Khch hng ng nhp v s dng Mobile Wap gm: Tn ng nhp (Username): L nhn dng do Khch hng ng k v c Ngn hng chp thun cp cho Khch hng khi Khch hng ng k dch v BAOVIET i-Banking. Tn ng nhp ca mi Khch hng l duy nht, khng trng lp; Mt khu (Password): L m b mt c nhn ca Khch hng, c s dng khi Khch hng ng nhp BAOVIET i-Banking; M bo mt: L mt chui k t c to ra mt cch ngu nhin, c thi gian hiu lc nht nh v ch s dng c mt ln. M bo mt c khi to trn Thit b bo mt (gi tt l OTP Token) hoc do H thng ca Ngn hng khi to v gi n s in thoi di ng ng k ca Khch hng di dng tin nhn (gi tt l OTP SMS); b) Khch hng ng rng bt c s ng nhp no vo Mobile Wap bng cc Yu t nh danh quy nh ti khon V.11.1.a, iu ny u c Ngn hng xem l s ng nhp ca Khch hng v cc giao dch thc hin sau s ng nhp ny l giao dch do Khch hng thc hin. c) Mi khiu ni, trch nhim, tn tht hoc thit hi pht sinh t hoc lin quan n cc giao dch c thc hin bng Tn ng nhp, Mt khu, M bo mt v cc Yu t nh danh khc ca Khch hng l thuc trch nhim duy nht ca Khch hng. 11.2. Phng thc xc thc v Thit b bo mt a) Phng php xc thc: L cch thc H thng ca Ngn hng xc thc Khch hng v giao dch qua Mobile Wap ca Khch hng. Phng php xc thc s dng Tn ng nhp, Mt khu, M bo mt l OTP Token hoc OTP SMS v cc yu t nh danh khc theo quy nh ca Ngn hng. b) Thit b bo mt (Token): l thit b dnh cho Khch hng, dng khi to M bo mt. c) Khch hng la chn phng thc xc thc c OTP Token phi mua Token do Ngn hng cung cp. 11.3. Ngha v bo mt ca Khch hng a) Khch hng ng tun th v lm theo cc hng dn, khuyn co ca BAOVIET Bank v bo mt cc Yu t nh danh v Thit b bo mt ca Khch hng. b) Khch hng c trch nhim t trang b y , bo tr cc chng trnh phn mm, cc thit b phn cng c th s dng an ton Dch v Mobile Wap. c) Khch hng bo m rng, Khch hng l ngi duy nht c th s dng Tn ng nhp, Mt khu, M bo mt v cc Yu t nh danh khc truy cp v s dng Dch v Mobile Wap. Khch hng bo m rng, khng bao gi tit l Mt khu, M bo mt ca mnh cho bt k ai, k c nhn vin ca Ngn hng. d) Khch hng c trch nhim gi b mt Mt khu, M bo mt v cc Yu t nh danh khc ca mnh; gi gn bo qun Thit b bo mt mt cch an ton. ng thi, Khch hng phi p dng mi bin php hp l nhm bo m an ton i vi cc my mc, thit b, phn mm, c th kt ni, truy cp an ton vo Mobile Wap; kim sot, phng nga v ngn chn vic s dng hoc truy cp tri php Mobile Wap. e) Khch hng phi thng bo ngay lp tc cho Ngn hng khi pht hin hoc nghi ng Mt khu, M bo mt hoc bt k Yu t nh danh no khc ca mnh b l hoc Thit b bo mt b mt, b ngi khc chim dng. Khch hng c th thng bo trc tip ti cc im giao dch ca Ngn hng hoc gi in thoi ti b phn h tr Khch hng ca Ngn hng. Ngn hng c th yu cu Khch hng xc nhn bng vn bn sau khi Khch hng thng bo qua in thoi. Trong 01 gi lm vic, k t thi im nhn c thng bo hp l ca Khch hng, Ngn hng thc hin kha Thit b bo mt, kha Tn ng nhp. Cho n khi Ngn hng kha Thit b bo mt, kha Tn ng nhp, Khch hng vn phi chu trch nhim v tt c cc giao dch thc hin trc . 11.4. Giao dch ti chnh trn Mobile Wap a) Thi gian x l cc giao dch ti chnh trn Mobile Banking c Ngn hng quy nh trong tng thi k. b) Vic Khch hng nhp xong lnh chuyn tin trn Mobile Wap ch c hiu l Khch hng khai bo xong lnh giao dch vi Ngn hng v khng c ngha l giao dch theo lnh ca Khch hng c thc hin thnh cng. c) Ngn hng khng chu trch nhim v tnh chnh xc, trung thc, hp php ca cc lnh giao dch ca Khch hng, ngoi vic kim tra ng cc Yu t nh danh ca Khch hng. 11.5. Thay i, chm dt s dng Dch v Mobile Wap a) Khch hng c quyn thay i hoc chm dt s dng Dch v Mobile Wap vo bt k lc no bng cch chm dt Dch v BAOVIET i-Banking. Khch hng c trch nhim thng bo cho Ngn hng bng vn bn v vic thay i hoc chm dt s dng dch v.
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b) K t thi im Ngn hng chm dt cung cp dch v, Khch hng khng c s dng hoc chuyn cho ngi khc Tn ng nhp, Mt khu, M bo mt v cc Yu t nh danh khc m Khch hng s dng trc di bt k hnh thc no. 12. Quy nh ring i vi Dch v SMS Banking 12.1. Khch hng ng rng bt k tin nhn no c thc hin theo ng c php t s in thoi ng k SMS Banking ca Khch hng u c coi l s truy cp, giao dch v tin nhn do Khch hng thc hin. 12.2. Khch hng thng bo ngay bng vn bn cho Ngn hng khi c s thay i v s in thoi ng k SMS Banking. Mi ri ro hay tn tht trc tip hoc gin tip xy ra do Khch hng khng thng bo vi Ngn hng s do Khch hng chu. Tr khi nhn c thng bo v ng k thay i s in thoi ng k hp l ca Khch hng, Ngn hng s vn tip tc cung cp dch v thng qua s in thoi m Khch hng ng k. 12.3. Khch hng c quyn chm dt dch v SMS Banking bng cch gi yu cu hp l n Ngn hng. 12.4. Ngn hng khng chu trch nhim v nhng sai st thng tin trong tin nhn hoc lnh giao dch ca Khch hng do Khch hng nhp sai thng tin dn n giao dch b nhm ln. VI. IU KHON, IU KIN S DNG DCH V PHONE BANKING 1. Cam kt ca Khch hng 1.1. Khch hng ng rng: a) Vi mi yu cu ca Khch hng khi gi n Call Center, sau khi nhn vin Ngn hng xc thc s in thoi gi n v xc nhn Khch hng theo cch thc nhn din quy nh ti im b khon VI.1.1 s c cng nhn hp php l Khch hng y quyn cho Ngn hng thc hin cc yu cu giao dch . Ngn hng s xem cc yu cu qua in thoi l c hiu lc, chnh xc v do Khch hng a ra; b) Ngn hng nhn din Khch hng gi in thoi n thc hin giao dch qua Phone Banking bng cch: i chiu s in thoi gi n Call Center, i chiu cu hi v cu tr li b mt ca Khch hng, i chiu thm mt s thng tin c Ngn hng quy nh do Khch hng cung cp vi thng tin v Khch hng lu trn h thng ca Ngn hng Khch hng cung cp. Mt s cc thng tin c i chiu linh ng ty thuc vo giao dch ti khon c cung cp qua Dch v Phone Banking. Nu Ngn hng i chiu cc thng tin Khch hng cung cp ng vi thng tin lu trn h thng ca Ngn hng th Ngn hng coi l Khch hng. c) Ngn hng c quyn yu cu Khch hng cung cp thm thng tin nhn din Khch hng trc khi thc hin giao dch qua Phone Banking ngoi nhng thng tin nu ti im b khon VI.1.1 nu trn, nhng khng c ngha v phi thc hin vic ny; 1.2. Cc yu cu ca Khch hng qua Call Center s c nhn vin Call Center thc hin sau s nh danh Khch hng quy nh ti khon VI.1.1 nu trn c xem l giao dch do Khch hng yu cu thc hin v do Khch hng s chu trch nhim trc mi vn pht sinh lin quan n giao dch qua Phone Banking sau khi Khch hng c nh danh. 1.3. Khch hng ng m bo rng c tin trong Ti khon hoc c hn mc thu chi Ti khon ca Khch hng thc hin yu cu giao dch qua in thoi. Ngn hng s c xem nh khng c ngha v thc hin bt k yu cu no qua Phone Banking m khon tin c chuyn khon vt qu s d hoc hn mc tn dng Ti khon c ch nh ca Khch hng v Ngn hng cng s khng chu trch nhim i vi bt k hu qu no pht sinh t vic Ngn hng khng thc hin cc yu cu . 1.4. Khch hng hiu v ng rng thng tin cung cp cho Khch hng t Dch v Phone Banking ch l tham kho v khng rng buc BAOVIET Bank. Nu c bt k s khc nhau no gia h s lu ni b ca BAOVIET Bank v thng tin m Khch hng nhn c t Dch v Phone Banking, th h s lu ni b ca BAOVIET Bank s c u tin cp tr trng hp c bng chng ngc li. 1.5. Khch hng ng rng bt k t gi hi oi hoc li sut no do Ngn hng cng b tr li cho yu cu qua Phone Banking ch tham kho v s khng rng buc Ngn hng tr khi c Ngn hng xc nh v mc ch giao dch. 1.6. Khch hng ng rng Ngn hng c min trch nhim i vi cc tn tht trc tip hoc gin tip pht sinh t vic khng th thc hin bt k yu cu no qua Phone Banking m vic khng thc hin l do: a) Bt k nguyn nhn no nm ngoi kh nng kim sot hp l ca Ngn hng, bao gm nhng khng gii hn bi vic cc phng tin thng tin lin lc ngng hot ng hoc h hng, lin lc vin thng b gin on, thit b hot ng sai hoc khng hot ng, mt in b) Bt k s kin bt kh khng no, bao gm nhng khng gii hn bi chin tranh, thin tai, ha hon, dch bnh, nh cng, bo lon c) Cc yu cu hay ch th ca Chnh ph v cc c quan nh nc khc. 1.7. Khch hng ng Ngn hng ghi m cc cuc gi s dng Dch v Phone Banking ca Khch hng v bng ghi m cc cuc gi c chp nhn l bng chng c tnh quyt nh i vi mi giao dch do Khch hng thc hin s dng Dch v Phone Banking trong trng hp c tranh chp gia Khch hng v Ngn hng. 1.8. Khch hng cng nhn rng bng ghi m theo h thng ca Ngn hng c cp ti khon VI.1.8 trn y s c Ngn hng gi khng qu 90 ngy v sau bn sao k ti khon s c s dng nh bng chng c tnh quyt nh i vi cc giao dch c ghi li trong bn sao k . 2. Khng hy ngang giao dch 2.1. K t thi im giao dch ca Khch hng c nhp xong vo h thng x l ca Ngn hng, Khch hng khng th hy, thay i, ph nhn, thoi thc giao dch . Ngn hng coi l cc giao dch c gi tr v khng hu ngang. Khch hng phi chu hon ton trch nhim cng nh ngha v vi Ngn hng i vi cc giao dch . 2.2. Trng hp Khch hng mun hy lnh giao dch thc hin qua Phone Banking, th Ngn hng c th (nhng khng bt buc) xem xt ngh ca Khch hng vi cc iu kin sau: a) ngh hy giao dch c Khch hng gi n Ngn hng ngay lp tc sau khi Khch hng thc hin giao dch.
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b) Ngn hng cha ghi nhn v cha x l lnh giao dch ca Khch hng trn h thng x l ca Ngn hng; c) Vic hu giao dch khng lm nh hng n quyn li ca Ngn hng cng nh quyn li ca bt k mt bn th ba no khc. 2.3. Trong trng hp Khch hng hy lnh giao dch theo quy nh ti khon VI.2.2 th Khch hng c ngha v thanh ton ton b cc khon chi ph pht sinh (nu c). 3. Quyn v trch nhim ca Ngn hng 3.1. Bt k iu khon no trong vn bn ny, Ngn hng c quyn (nhng khng c ngha v) khng thc hin theo bt k yu cu no qua Phone Banking m theo ton quyn quyt nh ca mnh, Ngn hng thy l khng r rng, mu thun, khng hp php hoc c v l do mt ngi khng c y quyn a ra. Ngn hng khng chu trch nhim vi Khch hng v vic thc hin quyt nh . 3.2. Ngn Hng c quyn thay i, tm ngng hoc chm dt mt phn hoc ton b Dch v Phone Banking v/hoc sa i, b sung iu khon v iu kin s dng Dch v Phone Banking vo bt k thi im no m khng cn c s ng trc ca Khch hng. Trong nhng trng hp ny, Ngn hng c trch nhim thng bo theo cch thc quy nh ti vn bn ny. Cc sa i, b sung iu khon v iu kin s c hiu lc k t ngy c ghi r trong thng bo. Nu sau ngy hiu lc ca cc sa i, b sung m Khch hng vn tip tc s dng Dch v Phone Banking th c hiu l Khch hng ng v chu s rng buc ca cc sa i, b sung . 3.3. Ngn hng c quyn iu chnh hp l trn Ti khon ca Khch hng trong trng hp: a) c quyn ghi N, ghi C Ti khon ca Khch hng thc hin cc lnh giao dch lin quan n ti khon tit kim, ti khon tin gi ca Khch hng; b) c quyn ghi N, ghi C ti khon tit kim, ti khon tin gi ca Khch hng x l cc kho n giao dch hch ton sai lin quan n ti khon ny. 3.4. Cc quyn v trch nhim khc theo iu khon v iu kin ny. 4. Quyn v trch nhim ca Khch hng 4.1. Khch hng phi tun th cc th tc ng k, trnh t giao dch v cc hng dn khc ca Ngn hng. 4.2. Khch hng phi thng bo ngay cho Ngn hng bt k s thay i no v a ch email, s in thoi ng k ca Khch hng. Tr khi nhn c thng bo thay i hp l ca Khch hng, Ngn hng s tip tc cung cp dch v t ng qua s in thoi hoc a ch email m khch hng ng k. 4.3. Khch hng c quyn thay i hoc chm dt s dng Dch v Phone Banking vo bt k lc no. Khch hng c trch nhim thng bo cho Ngn hng bng vn bn v vic thay i hoc chm dt s dng dch v. 4.4. Khch hng c quyn khiu ni v giao dch qua Phone Banking trong vng 30 ngy k t ngy Khch hng thc hin giao dch . Qu thi hn ny, Ngn hng c quyn t chi gii quyt khiu ni ca Khch hng. 4.5. Khch hng phi chu trch nhim v cc khon thu chi, cc khon tm ng hay cc khon vay tn dng pht sinh t cc yu cu giao dch qua Phone Banking ca Khch hng. 4.6. Khch hng cam kt bi thng cho Ngn hng ti mi thi im nhng tn tht, thit hi m Ngn hng phi chu pht sinh trc tip hoc gin tip t vic Ngn hng thc hin hoc khng thc hin cc yu cu ca Khch hng qua Phone Banking tr khi cc tn tht hoc thit hi l do li ca Ngn hng. Vic bi thng s tip tc ngay c khi Khch hng ngng s dng Dch v Phone Banking ca Ngn hng. 4.7. Cc quyn v trch nhim khc theo iu khon v iu kin ny. 5. Ngha v bo mt ca Khch hng 5.1. Khch hng bo m rng khng tit l thng tin c nhn, cu tr li b mt v cc yu t nh danh khc ca mnh cho bt k ai. 5.2. Khch hng c trch nhim gi b mt thng tin c nhn, cu tr li b mt v cc yu t nh danh khc ca mnh; gi gn bo qun s in thoi mt cch an ton. 5.3. Trong trng hp Khch hng nghi ng l thng tin hoc nghi ng b li dng s in thoi v cc yu t b mt, phi thng bo ngay cho Ngn hng c h tr v m bo an ton. 6. Ph dch v 6.1. Ph dch v Phone Banking c thc hin theo quy nh ca Ngn hng trong tng thi k. Ngn hng s thng bo cc loi ph v s thay i cc mc ph lin quan n Dch v Phone Banking. 6.2. Khch hng bng vn bn ny y quyn cho Ngn hng ghi N bt k Ti khon no ca Khch hng thanh ton cho khon ph dch v Phone Banking m Khch hng s dng. 6.3. Khch hng phi t thanh ton trc tip mi khon ph dch v vin thng vi cc n v cung cp dch v vin thng. 7. Quy nh khc Dch v Phone Banking s c t ng chm dt khi tt c cc Ti khon ca Khch hng m ti Ngn hng b ng.

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