Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.

Hai B Trng, HN

IU KHON, IU KIN V PHT HNH V S DNG TH TN DNG TI TECHCOMBANK

1. NH NGHA V CC T VIT TT
1.1 nh ngha: Cc t ng s dng trong iu khon, iu kin v pht hnh v s dng th ny c hiu
nh sau:
1.1.1 iu khon, iu kin: c hiu l iu khon, iu kin v pht hnh v s dng th tn dng ti
Techcombank (p dng cho khch hng c nhn).
1.1.2 Ngn hng: l Ngn hng TMCP K thng Vit Nam (Techcombank), thc hin pht hnh v thanh
ton th tn dng theo quy nh ca Ngn hng Nh nc Vit Nam v TCTQT.
1.1.3 Ch th: l c nhn c Ngn hng cung cp Th s dng theo Hn mc tn dng c cp, c tn
v ch k trn Th. Ch th bao gm Ch th chnh v Ch th ph (nu c).
Ch th chnh l c nhn ng tn tha thun v vic s dng Th vi Ngn hng v c ngha v thc hin
tha thun ny.
Ch th ph l c nhn c Ch th chnh cho php s dng Th theo iu khon, iu kin ny.
1.1.4 Th/Th tn dng: trong phm vi iu khon, iu kin ny c hiu l tt c cc loi th tn dng do
Techcombank pht hnh.
1.1.5 Th tn dng ng thng hiu: l mt loi th tn dng ng thng hiu do Ngn hng pht hnh trn
c s tha thun hp tc gia Ngn hng v i tc trong tng thi k.
1.1.6 Th tn dng DreamCard: l mt loi th tn dng do Ngn hng pht hnh.
1.1.7 Th tn dng c bo him: l nhng loi th tn dng m ch th chnh cTechcombank tng mt
hp ng bo him theo sn phm ca cng ty bo him. Danh sch cc loi th tn dng c bo him s
c Techcombank thng bo c th ti phn ni dung ca sn phm th tn dng trn website ca Ngn
hng theo tng thi im.
1.1.8 Ch th chnh th tn dng c bo him: l ch th chnh ca cc loi th tn dng c bo him v
c Ngn hng v Cng ty bo him chp nhn bo him.
1.1.9 Ti khon: l ti khon ca Ch th do Ngn hng m v qun l vic s dng Hn mc tn dng. Ch
th ph s dng chung mt ti khon vi Ch th chnh.
1.1.10 Giao dch th: l giao dch trong Ch th s dng Th rt tin mt, thanh ton tin hng ha, dch
v hoc s dng cc dch v c php khc do Ngn hng hoc cc T chc thanh ton th khc cung ng.
1.1.11 M s xc nh ch th: l m s mt c nhn ca Ch th v c s dng trong mt s loi hnh giao
dch th chng thc Ch th. M s ny do Ch th chu trch nhim bo mt. Trong giao dch in t
vi ngn hng, m s xc nh ch th c coi l ch k in t ca Ch th.
1.1.12 Thi hn hiu lc th: l thi hn Ch th c php s dng Th.
1.1.13 Ngy ht hn th: l ngy cui cng ca thng ht thi hn hiu lc th c in trn Th.
1.1.14 Ngy chuyn n qu hn: l ngy lin k sau ngy n hn thanh ton m ch th cha thanh ton
hoc thanh ton s tin nh hn gi tr thanh ton ti thiu.
1.1.15 T chc Th quc t: l hip hi cc t chc ti chnh, tn dng tham gia pht hnh v thanh ton th
quc t.
1.1.16 Hn mc tn dng: l gi tr tn dng ti a m Ch th c Ngn hng cho php s dng trong mt
Chu k tn dng.
1.1.17 Chu k tn dng:l khong thi gian k t khi Ch th bt u s dng Hn mc tn dng cho n khi
Ch th hon tr li ton b d n khi phc li ton b Hn mc tn dng.
1.1.18 K sao k: l khong thi gian Ngn hng ln Sao k, c tnh t Ngy sau Ngy sao k ca k lin
trc ti ht Ngy sao k ca k hin ti.
1.1.19 Sao k: l bng k lit k chi tit cc pht sinh trong K sao k (cc khon thanh ton, rt tin mt cng
ph v li pht sinh, cc khon tr n), D n cui k, Gi tr thanh ton ti thiu, Ngy n hn thanh ton
v cc thng tin khc. Sao k c gi cho Ch th hng thng sau Ngy sao k lm cn c tr n. Hnh
thc gi sao k cho Khch hng c th ph thuc ng k ca Khch hng v quy nh tng thi k ca
Ngn hng.
1.1.20 Ngy sao k: l ngy Ngn hng lp Sao k v do Ngn hng quy nh.
1.1.21 Ngy n hn thanh ton:l ngy cui cng m Ch th phi thanh ton cho Ngn hng cc khon chi
tiu cng ph v li pht sinh trong K sao k theo quy nh ca Ngn hng.
1.1.22 Gi tr thanh ton ti thiu:l khon tin ti thiu Ch th phi thanh ton cho Ngn hng trong mi
K sao k theo quy nh ca Ngn hng.
1.1.23 D n:L s tin Ch th ang n Ngn hng ti mt thi im bt k pht sinh t vic pht hnh v s
dng Th.
1.1.24 D n cui k:L S tin Ch th ang n Ngn hng tnh n ht Ngy sao k.
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1.1.25 Ti sn bo m:l tin k qu, giy t c gi hoc ti sn khc p ng quy nh ca Ngn hng,
c Ngn hng chp nhn lm Ti sn bo m cho vic s dng Hn mc tn dng ca Ch th v khng
dng thanh ton cc K sao k.
1.1.26 Cng ty bo him: l cng ty cung cp cc sn phm bo him theo ng quy nh ca php lut Vit
Nam.
1.1.27 Sn phm bo him: l sn phm do Cng ty bo him cung cp cho Ngn hng theo cc qui tc bo
him c B ti chnh ph duyt v cp php, v c Ngn hng mua dnh tng cho Ch th chnh th
tn dng c bo him.Vic Ngn hng mua sn phm bo him ca Cng ty bo him c th no tng
cho Ch th chnh th tn dng c bo him s c Ngn hng thng bo trn website chnh thc ca
Ngn hng Nh nc vo tng thi im c th.
1.1.28 Ngy x l giao dch ca TCTQT: l ngy m T chc th quc t thc hin x l cc giao dch do
cc n v chp nhn th chuyn v h thng ca T chc th quc t.
1.1.29 Yu cu qua tng i: l cc yu cu tr gip ca Ch th chnh thng qua Tng i theo ch th
chnh c trch nhim tr li ng b cu hi xc thc Khch hng theo quy nh ca Ngn hng c
Tng i x l yu cu tr gip. Ngn hng c quyn x l yu cu ca c nhn gi ln Tng i nu c
nhn tr li ng Mt khu giao dch qua in thoi theo quy nh ca Ngn hng v Ngn hng c
min trch v vic x l yu cu ny trong trng hp ch th l mt khu giao dch qua in thoi ca
Khch hng cho ngi th ba.
1.1.30 Tng i: Tng i Dch v khch hng 24/7 ca Ngn hng v bt k s in thoi phc v Khch
hng lin quan ti vic pht hnh, s dng th ca Ngn hng.
1.1.31 Ti khon ng k l ti khon tin gi thanh ton ca Ch th m ti Techcombank c Ch th s
dng ng k trch n t ng.
1.1.32 Mt khu giao dch qua in thoi: l b cu hi xc thc ch th theo quy nh ca Ngn hng trong
trng hp ch th yu cu tr gip qua Tng i.
1.1.33 CVV2: l m s nhm xc thc ch th khi thc hin cc giao dch thanh ton bng th trn Internet.
1.1.34 i tc: l n v c tha thun hp tc vi Techcombank pht trin cc sn phm th tn dng ng
thng hiu.
Cc thut ng trong iu khon, iu kin ny nu khng c gii thch ti y s tun theo nh ngha ti Quy
ch pht hnh, thanh ton, s dng v cung cp dch v h tr hot ng th Ngn hng ban hnh theo Quyt nh
s 20/2007/Q-NHNN ngy 15/05/2007 ca Ngn hng Nh nc v cc vn bn sa i, b sung, thay th
Quyt nh s 20/2007/Q-NHNN.
1.2 Cc t vit tt:
1.2.1 PIN: M s xc nh ch th (Personal Identification Number)
1.2.2 ATM: My giao dch t ng (Automated Teller Machine)
1.2.3 VCNT: n v chp nhn th.
1.2.4 TCTQT: T chc th quc t
1.2.5 TCTTT: T chc thanh ton th
1.2.6 TSB: Ti sn bo m
1.2.7 HMTD: Hn mc tn dng

2. TH CHNH V TH PH
2.1 Techcombank c quyn quy nh s lng th ph ti a m ch th chnh c pht hnh ti tng thi
im. Quy nh ny c Techcombank thng bo cng khai trn website chnh thc ca Techcombank.
2.2 Nu Ch th chnh l ngi c t chc bo lnh s dng Th, Ch th chnh khng c php pht hnh
th ph nu khng c bn bo lnh chp thun.
2.3 Ch th chnh v (cc) Ch th ph cng s dng chung mt HMTD m Techcombank cp cho Ch th
chnh v cng chu trch nhim thanh ton D n cho Techcombank khi c yu cu. Trong trng hp
Ch th chnh khng c kh nng thanh ton D n, (cc) Ch th ph phi c trch nhim thanh ton ton
b D n v ngc li.
2.4 Giao dch ca Ch th chnh v (cc) Ch th ph c th hin trn cng mt Sao k v c gi cho Ch
th chnh thanh ton.
2.5 Ch th chnh v (cc) Ch th ph cng chu trch nhim lin i v mi ngi chu trch nhim c nhn
trong vic thc hin iu khon, iu kin ny. Vic mt kh nng thc hin iu khon, iu kin ny ca
Ch th chnh v bt k l do g v trong bt k trng hp no cng khng lm gii tr ngha v lin i
ca (cc) Ch th ph trong vic thc hin iu khon, iu kin ny. Trng hp Ch th chnh hoc Ch
th ph mt kh nng thc hin iu khon, iu kin ny th (cc) Ch th cn li c trch nhim thc hin
ngha v ca tt c cc Ch th i vi Techcombank.
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2.6 Trng hp Ch th b cht, mt tch, hoc mt nng lc hnh vi th vic thc hin iu khon, iu kin
ny c thc hin theo quy nh ca php lut.
2.7 Ch th chnh c quyn yu cu Techcombank ngng cung cp dch v th cho Ch th ph bng vn bn
hoc thng bo qua tng i Dch v khch hng 24/7 ca Techcombank. Nu vic s dng Th ca Ch
th chnh b chm dt hoc iu khon, iu kin ny b chm dt th vic s dng th ph ca Ch th ph
ng nhin chm dt theo.

3. PHM VI S DNG TH
3.1 Th c s dng thanh ton tin hng ho, dch v, gi, np, rt tin mt v s dng cc dch v khc
t h thng ATM v h thng chp nhn th ca Techcombank v cc Ngn hng khc c h thng th kt
ni vi h thng th ca Techcombank di hnh thc kt ni trc tip hoc gin tip thng qua mt hoc
mt s t chc trung gian.
3.2 Ch th cng c th s dng thng tin Th v thng qua vic s dng cc yu t xc thc Ch th nh s
PIN v/hoc s CVV2 thc hin giao dch MOTO, giao dch trn internet v cc giao dch khc theo
ng k vi Techcombank (vic ng k s dng cc giao dch ny tun theo quy nh ca
Techcombank tng thi k):
a. Giao dch MOTO (Mail Order/Phone Order) l giao dch m ch th s dng thng tin th t mua hng
ha, dch v t VCNT qua in thoi hoc email hoc cc phng tin truyn thng khc. Trong , th
v/hoc ch th khng phi hin din trc tip ti VCNT.
b. Giao dch th trn internet: l giao dch m ch th s dng thng tin th t mua hng ha, dch v qua
internet.
Ch th nhn thc y ri ro v chu trch nhim khi thc hin cc giao dch trn y, ng thi chu
trch nhim bo mt cc yu t xc thc Ch th.

4.CC LOI PH PHT HNH V S DNG TH V T GI

4.1 Ph pht hnhTh (trn c s hp ng tn dng mi): l khon ph Ch th phi tr khi ng k pht
hnh Th trn c s mt iu khon, iu kin v pht hnh v s dng th mi v c Techcombank
chp nhn.
4.2 Ph thay i loi Th/hng Th (gi nguyn hp ng tn dng ang c hiu lc): l khon ph Ch th
phi tr khi Techcombank chp nhn yu cu thay i loi Th/hng Th ca Ch th nhng khng thay i
iu khon, iu kin v pht hnh v s dng th ang c hiu lc.
4.3 Ph pht hnh li th (do mt cp, tht lc): l khon ph Ch th phi tr khi Ch th pht hnh li
Th do mt cp, tht lc v khng thay i iu khon, iu kin v pht hnh v s dng th ang c
hiu lc.
4.4 Ph dch v pht hnh nhanh (a bn p dng s do Techcombank quy nh trong tng thi k): l
khon ph Ch th phi tr (cha bao gm cc ph pht hnh lin quan) khi Ch th yu cu ly Th trong
vng 3 ngy lm vic k t ngy Ch th hon thnh th tc pht hnh v h s ngh pht hnh Th tn
dng quc t ca Ch th c Techcombank chp nhn.
4.5 Ph thng nin (thu theo nm, cn c thi hn hiu lc th): l khon ph Ch th phi tr hng nm
duy tr vic s dng Th.
4.6 Ph tra sot, khiu ni: l khon ph Ch th phi tr khi Ch th khiu ni khng ng hay khng chnh
xc cc giao dch.
4.7 Ph rt tin mt: l khon ph Ch th phi tr khi thc hin cc giao dch rt tin ti ATM hoc ti
VCNT c php cung cp dch v rt tin. Khonph ny c tnh trn s tin giao dch v s ph do
TCTTT thu(nu c) theo quy nh ca TCTTT.
4.8 Ph qun l chuyn i chi tiu ngoi t (khng p dng vi giao dch bng VND): l khon ph Ch
th phi tr khi Ch th thc hin cc giao dch bng ng ngoi t . Khon ph ny c tnh trn s tin
giao dch v s ph do TCTTT thu (nu c) theo quy nh ca TCTTT.
4.9 Ph x l giao dch (khng p dng cho cc giao dch VND): l khon ph Ch th phi tr khi Ch th
thc hin cc giao dch bng ng ngoi t. Khon ph ny c tnh trn s tin giao dch v s ph do
TCTTT thu (nu c) theo quy nh ca TCTTT.
4.10 Ph thng bo Th mt cp, tht lc: l khon ph Ch th phi tr khi Ch th thng bo (bng vn bn
hoc qua Tng i) v vic Th b mt cp, tht lc.
4.11 Ph cp bn sao Sao k theo yu cu: l khon ph Ch th phi tr khi Ch th yu cu cp thm bn sao
Sao k bng vn bn ngoi bn chnh m Techcombank gi cho Ch th hng thng.
4.12 Ph cp bn sao ho n giao dch: l khon ph Ch th phi tr khi Ch th yu cu cp bn sao ho n
giao dch ngoi ho n m Ch th nhn ti VCNT.
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4.13 Ph xc nhn thng tin Th tn dng theo yu cu (Xc nhn hn mc tn dng, xc nhn thng tin
giao dch...): l khon ph Ch th phi tr khi Ch th yu cu Techcombank xc nhn bng vn bn cc
thng tin lin quan n th tn dng, Giao dch th tn dng.
4.14 Ph thay i Hn mc tn dng: l khon ph Ch th phi tr khi Ch th yu cu tng hoc gim Hn
mc tn dng nhng khng thay i hng th v c Techcombank chp nhn.
4.15 Ph thay i hnh thc bo m pht hnh th: l khon ph Ch th phi tr khi Ch th yu cu thay
i hnh thc bo m pht hnh Th t hnh thc c TSB sang hnh thc khng c TSB hoc ngc li
v c Techcombank chp nhn.
4.16 Ph thay i ti sn bo m: L khon ph Ch th phi tr khi Ch th yu cu thay i TSB v c
Techcombank chp nhn.
4.17 Ph chm thanh ton: l khon ph Ch th phi tr khi Ch th khng thanh ton hoc thanh ton s tin
nh hn Gi tr thanh ton ti thiu trc Ngy n hn thanh ton. Khon ph ny c tnh trn phn Gi
tr gi thanh ton ti thiu cha c thanh ton.
4.18 Cc loi ph khc (nu c) theo quy nh ca Techcombank v c cng b cng khai ti tr s ca
Techcombank v/hoc trn website ca Techcombank.
4.19 T gi quy i: tt c cc giao dch c chuyn i ra ng Vit Nam theo t gi ca TCTQT vo ngy
x l giao dch ca TCTQT.
Mc ph c p dng theo Biu ph do Techcombank ban hnh trong tng thi k, c cng b cng khai ti
tr s ca Techcombank v /hoc trn website ca Techcombank.

5. LI SUT CHO VAY V CCH TNH LI

5.1. Li sut cho vay: Li sut cho vay i vi vic s dng th tn dng s do Techcombank ban hnh v c
thay i theo tng thi k, c cng b cng khai ti tr s ca Techcombank v/hoc trn website ca
Techcombank.
5.2. Cch tnh li: i vi phn d n phi tr li (theo quy nh ti mc 5.3 di y), tin li c tnh trn
d n thc t ca ch th v thi gian vay thc t (t ngy cc giao dch c cp nht vo h thng qun l
th ca Techcombank n ngy ch th hon tr ht n). Tin li c tnh theo ngy, c cng dn v ghi
n vo ngy sao k.
5.3. Cc quy nh v min li/thu li i vi tng loi giao dch:
Ty tng loi th tn dng, Techcombank s c nhng c ch min li/thu li khc nhau.
5.3.1.Vi th tn dng DreamCard:
Techcombank s thu li cho cc giao dch thanh ton hng ha, dch v v giao dch rt tin mt ngay khi
Khch hng thc hin giao dch bng th tn dng DreamCard.
5.3.2.Vi cc loi th tn dng khc:
5.3.2.1. i vi giao dch thanh ton hng ho, dch v/giao dch thu ph/giao dch thu li:
a. Chm nht vo ngy n hn thanh ton, nu Ch th thanh ton thnh cng ton b D n cui k c
thng bo trn Sao k th Techcombank s min li cho ton b giao dch thanh ton hng ha, dch v/Giao
dch thu ph/Giao dch thu li pht sinh trong K sao k ca Ch th.
b. Chm nht vo ngy n hn thanh ton, nu ch th khng thanh ton ton b D n cui k,
Techcombank s tnh li i vi ton b d n ca cc giao dch thanh ton hng ho, dch v/giao dch thu
ph/giao dch thu li pht sinh trong k sao k ca ch th theo nguyn tc quy nh ti mc 5.2 ca iu
khon, iu kin ny.
5.3.2.2. i vi giao dch rt tin mt:
D n ca giao dch rt tin mt s b tnh li theo nguyn tc quy nh mc 5.2 ca iu khon, iu
kin v pht hnh v s dng th ny.
5.3.3.i vi cc giao dch c tra sot, khiu ni ca ch th:
Li v ph ca cc giao dch tra sot, khiu ni ca Ch th pht sinh v cha c Techcombank hon tr
trong k sao k cng c tnh theo nguyn tc c quy nh ti mc 5.1, 5.2 v 5.3. Techcombank s
hon li cho ch th cc khon li/ph pht sinh i vi nhng giao dch tra sot, khiu ni ng.

6. THANH TON N
6.1. Th t thanh ton n: D n s c thanh ton theo th t u tin di y v theo th t thi gian giao
dch c cp nht vo h thng: (1) Cc khon li v ph; (2) Cc khon giao dch rt tin mt; (3) Cc
khon giao dch thanh ton hng ha, dch v.
6.2. Thanh ton n:

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6.2.1 Techcombank quy nh ngy sao k i vi mi loi th tn dng c th. Nu ngy sao k trng vi ngy th
7, ch nht hoc ngy l th Ngy sao k s l ngy lm vic tip theo.
6.2.2 Vo ngy sao k, Techcombank s lit k tt c cc giao dch ca Ch th pht sinh trong k sao k c
cp nht trn h thng ca Techcombank. Cc giao dch ngoi t c chuyn i sang ng Vit Nam
(VND) theo t gi ca TCTQT vo ngy x l giao dch ca TCTQT. Techcombank s thu (cc) ph pht
sinh theo quy nh ca Techcombank trong tng thi k.
6.2.3 Ch th c trch nhim kim tra v thanh ton ng hn cho Techcombank tt c cc khon n pht sinh ghi
trn sao k, mc t nht bng Gi tr thanh ton ti thiu. Ch th phi gi cc thc mc ca mnh lin quan
n cc giao dch trn sao k bng vn bn cho Techcombank trong vng 10 ngy k t ngy Ngn hng gi
sao k. Nu trong thi hn , Techcombank khng nhn c thng bo ca Ch th th coi nh Ch th
ng thanh ton tt c cc giao dch, ph v li pht sinh th hin trn sao k.
6.2.4 Vic thanh ton n ca Ch th ch c tnh l thnh cng khi h thng ca Techcombank ghi nhn c
giao dch ca Ch Th (Techcombank nhn c bo c vi s tin thc bo c). S tin thanh ton nhn
c sau gi lm vic ca Techcombank s c tnh sang ngy lm vic k tip. HMTD ca Ch th s
c khi phc bng ng s tin Ch th thanh ton vo ngy lm vic tip theo.
6.2.5 Trng hp Ch th ng k trch n t ng theo cc hnh thc do Techcombank quy nh, Ch th y
quyn cho Techcombank t ng ghi n, trch tin t Ti khon thanh ton ng k ca Ch th m ti
Techcombank thanh ton gi tr d n theo ng k trch n t ng ca Ch th. Ch th phi m bo
Ti khon ng k ny lun s d cn thit Techcombank ghi n trong khong thi gian t ngy sau
Ngy sao k n Ngy n hn thanh ton.
Techcombank c quyn trch n t ng ton b gi tr d n m Ch th ng k t Ti khon ng
k vo bt k thi im no trong sut khong thi gian t sau Ngy sao k n ht Ngy n hn thanh
ton.Nu trong khong thi gian ny s d trong Ti khon ng k khng Techcombank trch n gi
tr d n theo ng k ca Ch th vi Techcombank, Ch th c trch nhim thanh ton trc tip cho
Techcombank phn gi tr d n cn thiu cho Techcombank v phi chu cc khon ph, li pht sinh (nu
c).

7. CHUYN N QU HN, P LI SUT QU HN V THU HI N

7.1. Chuyn n qu hn
Sau 01 ngy k t Ngy n hn thanh ton, nu Ch th khng thanh ton hoc thanh ton s tin nh hn
gi tr thanh ton ti thiu, ton b d n cha thanh ton s b chuyn sang n qu hn.
7.2. p li sut qu hn
Nu Ch th khng thanh ton hoc thanh ton s tin nh hn Gi tr thanh ton ti thiu ca ba k sao k
lin tip th ton b tng d n cha thanh ton ca th tn dng s b p dng li sut qu hn k t ngy
u tin ca k sao k th t. Li sut qu hn do Techcombank ban hnh v c thay i theo tng thi
k, c cng b cng khai ti tr s ca Techcombank v/hoc trn website ca Techcombank.
7.3. Thu hi n
7.3.1 Nu Ch th khng thanh ton hoc thanh ton s tin nh hn Gi tr thanh ton ti thiu mun nht vo
Ngy n hn thanh ton ca k sao k th hai lin tip sau k sao k cha thanh ton, Techcombank c
quyn xem xt vic kha th tm thi. Techcombank s chm dt vic kha th tm thi khi Ch th thanh
ton t nht Gi tr thanh ton ti thiu cha thanh ton.
7.3.2 Nu Ch th khng thanh ton hoc thanh ton s tin nh hn Gi tr thanh ton ti thiu mun nht vo
Ngy n hn thanh ton ca k sao k th ba lin tip sau k sao k cha thanh ton, Techcombank c
quyn kha th vnh vin, chm dt vic cung cp dch v th, thc hin thu hi th; tin hnh cc th tc
thu hi n vay v x l TSB.
7.3.3 Trong trng hp d n th tn dng b chuyn sang n qu hn, Ch th ng cho Techcombank c
quyn trch n t Ti khon ng k, cc ti khon tin gi thanh ton khc ca Ch th m ti
Techcombank, s tit kim ca Ch th thu n theo cc phng thc m Techcombank la chn m
khng cn thm bt c chp thun no t pha Ch th. Trong trng hp x l s tit kim l TSB ca
Ch th hoc trch n t tin gi tit kim ca Ch th thanh ton cc khon d n, Techcombank c
min trch nhim v vic chm dt trc hn k hn gi tin ca Ch th.
7.3.4 Ch th phi thanh ton chi ph pht sinh lin quan n vic Techcombank thc hin cc bin php thu
hi n nh ph lut s, n ph, ph x l TSB, chi ph i li, thng tin lin lc, sao, chp, cng chng, dch
thut ti liu, chun b ti liu t tng, ph thi hnh n m khng cn chng t chng minh.

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 Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.Hai B Trng, HN

7.3.5 Khi ht thi hn hiu lc th, nu Ch th cha thanh ton ht ton b d n, Techcombank c quyn tin
hnh cc th tc thu hi n vay, x l TSB.
7.3.6 Ch th ng cho Techcombank c quyn thu n t cc ngun lng, thu nhp ca Ch th hay t c
quan, n v cng tc hay bt c ti sn no khc ca Ch th hoc TSB ca cc khon vay khc ca Ch
th ti Techcombank m khng cn c xc nhn ca Ch th. Vic x l ti sn thu n s c thc hin
theo quy nh ca Techcombank v quy nh ca php lut. Techcombank c quyn lp y nhim thu
yu cu cc ngn hng m ti khon cho Ch th trch tin thu hi n gc, li trong trng hp cc khon
n gc, n li ca Ch th b chuyn sang N qu hn, N li qu hn.
7.3.7 D n cha thanh ton ca ch th c hiu bao gm s tin giao dch gc, tin li v ph pht sinh lin
quan.

8. CHM DT S DNG TH TN DNG

8.1 Trong trng hp Ch th c nhu cu tip tc s dng Th sau khi th ht hn, Ch th thc hin th tc
ngh Ngn hng pht hnh Th mi. Ngn hng c ton quyn xem xt ph duyt hoc t chi vic pht
hnh Th mi cho Ch th.
8.2 Ch th c trch nhim thanh ton tt c cc khon giao dch trc thi im th b chm dt s dng v
cc khon pht sinh (nu c) cha c cp nht trn ti khon th theo thng bo ca Techcombank.
Techcombank s ch thc hin gii chp TSB (nu c) sau t nht l 40 ngy k t ngy yu cu chm dt
s dng Th ca Ch th c hiu lc v Ch th thanh ton mi ngha v c bo m bng TSB vi
Techcombank.
8.3 Khi n phng chm dt s dng iu khon, iu kin ny, Ch th c trch nhim gi tr li Th cho
Techcombank ng thi phi gi thng bo bng vn bn cho Techcombank. Vic chm dt iu khon,
iu kin ny c hiu lc khi Ch th thanh ton ton b D n; v cc tra sot, khiu ni ca Ch th (nu
c) c gii quyt xong.
8.4 Khi chm dt vic s dng Th theo yu cu ca Techcombank hay theo yu cu ca Ch th th ton b
D n s n hn v Ch th c trch nhim thanh ton mi chi ph pht sinh ti thi im . Nu Ch th
chm dt s dng Th nhng vn tip tc s dng Th giao dch th Ch th vn phi c trch nhim
thanh ton cc giao dch ny v cc khon li, ph pht sinh theo quy nh ca Techcombank.
8.5 Techcombank c quyn chm dt vic cung cp dch v Th v/hoc chm dt iu khon, iu kin
ny trong nhng trng hp sau:
a. Cc trng hp theo quy nh ti mc 7.3.1 v 7.3.2 ca iu khon, iu kin ny;
b. Ch th chi tiu vt HMTD m khng c Techcombank cho php;
c. Ch th vi phm cc quy nh v vic pht hnh v s dng Th ca Techcombank, vi phm iu khon,
iu kin ny hoc vi phm cc quy nh ca php lut;
d. Techcombank pht hin ti liu, thng tin do Ch th cung cp l khng chnh xc, khng trung thc, sai s
tht;
e. Ch th vi phm ngha v tr n (bao gm n gc, li, ph v cc chi ph khc pht sinh) vi Techcombank
v/hoc vi bt k bn th ba no khc;
f. Ch th lin quan n cc v kin, v n m theo quan im ca Techcombank th c th nh hng nghim
trng n kh nng tr n ca Ch th;
g. Ch th b bt, khi t, b truy cu trch nhim hnh s hoc chp hnh bn n hnh s;
h. Ch th cht, mt tch;
i. Ch th ly hn hoc chia ti sn chung v chng trong thi k hn nhn;
j. Phn ln ti sn ca Ch th b k bin, phong ta, cm gi;
k. TSB ca Ch th b mt, h hng, gim st gi tr so vi gi tr TSB c nh gi ti thi im cp hn
mc theo nh gi ca Techcombank/bn th ba.
l. Cc trng hp lin quan n ngh vic, thay i thu nhp hoc khng p ng iu kin s dng Th theo
quy nh ca Techcombank;
m. Cc trng hp lin quan n gi mo v qun l ri ro;
n. Cc s kin khc m theo nh gi, xem xt ca Techcombank l c kh nng nh hng ti kh nng tr
n y , ng hn ca Ch th;
o. i vi th tn dng ng thng hiu, Techcombank c quyn chm dt vic cung cp dch v th khi Ch
th chnh th tn dng ng thng hiu chm dt/b chm dt t cch Hi vin hoc trong cc trng hp
khc theo quy nh tha thun gia Techcombank v i tc trong tng thi k.
p. Ch th c yu cu kha th vnh vin, tt ton ht d n th tn dng v khng c yu cu pht hnh li
th trong vng 90 ngy k t ngy hy th.
q. Cc trng hp khc theo quy nh ca Techcombank v php lut.
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 Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.Hai B Trng, HN

8.6 i vi cc Ch th ang c khon vay khc c TSB ti Techcombank:

a. Khi Ch th tt ton khon vay c TSB trc khi th tn dng ht hn, Techcombank s thc hin kha
th tn dng ca Ch th v Ch th phi thc hin tt ton d n th tn dng trc khi tt ton khon vay
c TSB.
b. Nu khon vay c TSB ca Ch th qu hn t 60 ngy tr ln, th tn dng ca Ch th s b kha v
Ch th phi thc hin tt ton d n th tn dng.

9. QUYN V TRCH NHIM CC BN

9.1. QUYN V TRCH NHIM CA CH TH
9.1.1.Quyn ca Ch th
Ch th c cc quyn sau:
a. c s dng Th theo quy nh ti mc 3 iu khon, iu kin ny trong phm vi HMTD c cp.
b. c quyn yu cu Techcombank cung cp thng tin nh k hoc c cung cp thng tin t xut v
Giao dch th v s d, hn mc lin quan n vic s dng Th theo quy nh ca Techcombank.
c. Ch th c quyn yu cu tra sot, khiu ni v cc sai st, vi phm (nu c) pht sinh trong qu trnh s
dng Th theo quy nh ca php lut.
d. Cc quyn khc theo quy nh ca iu khon, iu kin ny, ngh pht hnh th tn dng dnh cho
Khch hng c nhn v cc quy nh c lin quan ca php lut.
9.1.2.Trch nhim ca Ch th
Ngoi cc trch nhim quy nh ti cc iu khon khc ca iu khon, iu kin ny, Khch hng c cc
trch nhim sau:
a. Cung cp y , chnh xc cc h s, giy t v thng tin cn thit theo yu cu ca Techcombank khi
ngh pht hnh Th v trong qu trnh s dng Th.
b. S dng hn mc Th tn dng theo ng mc ch thanh ton hng ho, dch v, rt tin mt hoc thc
hin cc giao dch c php khc. Ch th chu hon ton trch nhim trc php lut v vic s dng tin
theo hn mc Th tn dng khng ng mc ch.
c. Trc tip n Techcombank nhn Th/PIN hoc ngh Techcombank gi Th/PIN bng ng bu in
hoc u quyn cho ngi khc n nhn Th/PIN. Giy u quyn c lp bng vn bn trc tip ti
Techcombank hoc phi c cng chng, chng thc. Trng hp y quyn cho ngi khc nhn
Th/PIN hoc ng k nhn Th/PIN qua ng bu in, Ch th phi chu mi ri ro c th pht sinh, tr
trng hp do li ca Techcombank. Trng hp nhn th qua ng bu in, Ch th phi gi in v
Techcombank xc nhn nhn th v ngh kch hot qua s Tng i do Techcombank cung cp trong
phong b tr th hoc gi tin nhn SMS n tng i do Techcombank cung cp hoc ch th trc tip n
Chi nhnh/Phng giao dch ca Techcombank hoc trc tip ng k qua F@st i-bank ngh kch hot
th.
d. n nhn Th hoc kch hot th trong trng hp nhn th qua ng bu in trong vng 45 ngy k t
ngy pht hnh Th. Sau thi hn ny, Th s b hu v Ch th phi chu khon ph pht hnh v ph
thng nin nm u tin ca Th.
e. Ch th chu trch nhim gi tin nhn SMS t chnh s in thoi di ng Khch hng ng k vi
Techcombank ngh kch hot th (theo c php Techcombank quy nh tng thi k) nu ch th ng
k kch hot th qua SMS, Ch th c trch nhimchu mi ri ro c th pht sinh.
f. Chu trch nhim qun l Th v bo mt PIN. Ch th khng c chuyn nhng Th hoc a Th cho
ngi khc s dng, khng c tit l PIN cho bt k ai.
g. K ch k mu vo ch k mt sau Th ngay sau khi nhn Th.
h. Thng bo bng hnh thc nhanh nht cho Techcombank khi Th b mt cp, tht lc, l PIN hoc c nghi
ng Th ang b li dng theo s in thoi: (84-4) 39427444/1800588822/1800588823.v.v... hoc s in
thoi ng dy nng khc ca Techcombank c ng ti trn website ca Techcombank ti tng thi
im. Ch th phi xc nhn li thng bo ca mnh bng vn bn gi cho Techcombank (nu trc
thng bo bng cc hnh thc khc), ng thi thanh ton cc khon ph theo quy nh ca Techcombank.
i. Ch th c trch nhim thanh ton y v ng hn cho Techcombank cc khon vay, li v ph pht
sinh do vic s dng th theo sao k do Techcombank lp v gi cho ch th. Trong trng hp ch th c
thc hin giao dch th nhng khng nhn c hoc chm nhn c sao k, ch th vn c trch nhim
thanh ton cc khon vay, li v ph pht sinh do vic s dng th theo quy nh sau khi Techcombank a
ra cc bng chng v vic gi sao k cho ch th
j. Hon tr ngay lp tc v v iu kin cho Techcombank theo yu cu ca Techcombank i vi cc khon
m Ch th rt tha, rt/thanh ton qu HMTD, 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

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 Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.Hai B Trng, HN

m Ch th khng chng minh c quyn s hu hp php. ng Techcombank t ng ghi n

thu hi cc khon tin ny m khng cn thng bo cho Ch th.
k. Khng s dng li Th m Khch hng thng bo cho Techcombank l b mt cp, tht lc.
l. Khng c s dng Th tr cho cho nhng khon thanh ton giao dch c bc tri phphoc cc giao
dch khc bt hp php theo quy nh php lut hin hnh vTechcombank c quyn t chi x l hoc
thanh ton trong nhng trng hp trn.
m. Hon tr li Th cho Techcombank khi: tm li c Th bo mt cp, tht lc trc ; khi Th ht hn
s dng; khi Ch th khng c nhu cu tip tc s dng Th; v cc trng hp khc theo yu cu ca
Techcombank.
n. Cng nhn cc ho n, chng t lin quan n Giao dch th c h thng cc Techcombank ghi nhn
v cung cp. Ch th chu trch nhim thanh ton i vi ton b cc giao dch c ch k v/hoc s dng
PIN ca Th, v cc giao dch khc nu Techcombank cung cp c bng chng v vic Th c thc
hin giao dch m khng cn ch k ca Ch th.
o. Ch th chnh chu trch nhim vi Techcombank v vic s dng Th ca Ch th ph.
p. Chu trch nhim gii quyt cc mu thun vi VCNT v cc vn lin quan n Giao dch th m
khng tr hon vic thanh ton vo Ngy n hn thanh ton.
q. S dng Th trong HMTD c Techcombank cp, tr trng hp Techcombank ng cho Ch th s
dng vt hn mc v Ch th phi c trch nhim tr ph theo quy nh ca Techcombank khi s dng Th
qu HMTD c cp.
r. Thanh ton s tin Giao dch th tranh chp v cc khon ph pht sinh theo quy nh ca TCTQT khi tranh
chp c a ra Trng ti Quc t v Trng ti Quc t x Ch th thua kin.
s. Thng bo ngay cho Techcombank bng vn bn nhng thay i v cc thng tin cung cp ti ngh
pht hnh th tn dng quc t dnh cho Khch hng c nhn hoc cc thng tin khc theo yu cu ca
Techcombank.
t. Tun th cc quy nh, chnh sch hin hnh ca Techcombank lin quan n vic cho vay v trong trng
hp cc quy nh, chnh sch ny c thay i, Ch th cam kt s thc hin theo ng cc quy nh, chnh
sch c thay i ng thi hn theo thng bo ca Techcombank.
u. Ch th ng rng cc yu cu v tra sot khiu ni vi dch v th, Ch th c trch nhim thc hin yu
cu (nu c) bng vn bn trong vng 10 ngy k t ngy giao dch pht sinh hoc k t ngy quyn v
ngha v ca ch th b vi phm. Qu thi hn trn, Techcombank 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
Khch hng s phi chu hon ton thit hi pht sinh do khiu ni chm. Techcombank s t chi tip nhn
cc yu cu tra sot khiu ni nu trong vng 75 ngy k t ngy pht sinh giao dch Khch hng khng gi
yu cu tra sot cho Techcombank.
v. Cc trch nhim khc theo quy nh ca iu khon, iu kin ny v cc quy nh c lin quan ca php
lut.
9.2. QUYN V TRCH NHIM CA TECHCOMBANK
9.2.1.Quyn ca Techcombank
Ngoi cc quyn khc quy nh ti iu khon, iu kin ny, Techcombank c cc quyn sau:
a. Techcombank c min trch nhim trong trng hp h thng x l, h thng truyn tin b trc trc,
hoc v bt k l do g ngoi kh nng kim sot ca Techcombank
b. T chi cp php cc Giao dch th khng hp php, hp l theo quy nh ca Techcombank v php lut
hoc trong cc trng hp ngoi kh nng kim sot ca Techcombank.
c. Yu cu Ch th cung cp y cc thng tin v ti liu cn thit khi ngh pht hnh Th v trong qu
trnh s dng Th.
d. Thu thp thng tin t cc t chc khc v Ch th.
e. Cung cp cho cc c quan c thm quyn v t chc, c nhn c php khc thng tin v Ch th, s PIN,
Sao k v cc Giao dch th theo ng quy nh ca php lut; cung cp cc thng tin Giao dch th ca Ch
th qua Tng i khi ngi yu cu cung cp thng tin khai bo ng thng tin Ch th ng k ti
ngh pht hnh th tn dng quc t dnh cho Khch hng c nhn.
f. Tng hoc gim HMTD v/hoc thay i hng Th ca Ch th theo quy nh ca Techcombank.
g. c quyn kho Th khi nhn c thng bo Th b mt cp, tht lc, l PIN hoc c nghi ng Th ang
b li dng theo s in thoi tha thun ti iu khon, iu kin v pht hnh v s dng th ny v
cc cuc in thoi t Techcombank qua hotline: 1800588822/1800588823 hoc (04)39427444 .
h. Thu hi Th vo bt c lc no bng cch thng bo v vic thu hi ny cho Ch th hoc thng qua cc
TCTTT hoc VCNT trong cc trng hp Ch th vi phm quy nh ca php lut, ca Techcombank,
ca TCTQT hoc vi phm cc tha thun trong iu khon, iu kin ny, hoc cc trng hp nghi ng

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 Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.Hai B Trng, HN

th gi, gi mo. Trong trng hp ny, Techcombank c min trch i vi bt k s phng hi no

ti danh d, uy tn ca Ch th trong vic thu hi li Th.
i. Ghi n Ti khon gi tr tt c cc Giao dch th, cc khon ph v li pht sinh lin quan vic pht hnh, s
dng v thanh ton Th theo biu ph c Techcombank quy nh trong tng thi k ph hp vi quy nh
ca php lutv tha thun ti iu khon, iu kin ny.
j. Yu cu Ch th thanh ton cc khon Giao dch th v cc khon li, ph pht sinh lin quan n vic pht
hnh, s dng v thanh ton Th.
k. Techcombank khng chu trch nhim i vi bt k trng hp no th b VCNT t chi. ng thi
khng chu trch nhim v vic cung ng hng ho, dch v c thanh ton bng th v c quyn ghi n
vo ti khon 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.
l. c quyn yu cu Ch th s dng mi ti sn v ngun thu ca c nhn v gia nh Ch th; Yu cu
bn nm gi ti sn ca Ch th, gia nh Ch th, cc thnh vin Ch th chuyn giao cho Techcombank
thanh ton, hon tr cc khon n gc, li v ph, cho ph khc pht sinh ca Ch th; c quyn ghi
m li tt c nhng trao i ca ch th qua in thoi v/hoc bt k cc thng tin bng li ni gia ch th
v Techcombanktrong qu trnh s dng th.
m. c quyn s dng TSB ca cc khon vay khc ca Ch th ti Techcombank thu n cho khon vay
th tn dng ca ch th khi d n th tn dng ca Ch th chuyn thnh n qu hn.
n. c quyn lin h vi v/chng/ngi tham chiu ca ch th m ch th in trn n ngh pht
hnh th trong trng hp cn thit.
o. Trong trng hp pht hnh th tn dng ng thng hiu, Techcombank c quyn cung cp thng tin
ca Ch th (bao gm nhng khng gii hn bi thng tin c nhn, thng tin pht hnh th, thng tin giao
dch th ca Ch th,v.v) cho i tc phc v cho vic cung cp gi tr gia tng cho Ch th theo
chng trnh ca i tc.
p. Cc quyn khc theo quy nh ca iu khon, iu kin ny v cc quy nh c lin quan ca php lut
9.2.2.Trch nhim ca Techcombank
Techcombank c cc trch nhim sau:
a. Tun th cc quy nh v Pht hnh, Thanh ton Th ca php lut Vit Nam v TCTQT.
b. Bo mt cc thng tin lin quan n Ch th theo quy nh ca php lut v ch cung cp cc thng tin ny
trong nhng trng hp theo quy nh ca php lut v tha thun vi Ch th.
c. Gii quyt cc yu cu tra sot, khiu ni ca Ch th lin quan n vic s dng Th theo quy nh ca
php lut v cc TCTQT.
d. Kho Th trong vng 2 gi lm vic k t khi nhn c thng bo bng vn bn ca Ch th v vic Th
b tht lc, mt cp hoc l PIN.
e. Techcombanks chu trch nhim v cc giao dch lin quan ti Th c Ch th thng bo v vic mt
cp, tht lc Th sau 5 ngy lm vic k t ngy nhn c thng bo bng vn bn ca Ch th.
f. i vi tin k qu tng HMTD tm thi, Techcombank s gii ta tin k qu sau 40 ngy k t ngy
HMTD tm thi ht hn v Ch th thanh ton ht cc khon Giao dch th v cc khon li, ph pht
sinh lin quan n HMTD c tng.
g. Techcombank phi gi thng bo cho Ch th hoc thng bo trn website ca Techcombank t nht trc
03 ngy khi thay i hoc dng cung cp dch v. Mi thng tin c coi l Ch th nhn c trong
thi gian 03 ngy t khi c ng ti trn website hoc hnh thc khc do Techcombank la chn.
h. Cc trch nhim khc theo quy nh ca iu khon, iu kin v pht hnh v s dng th ny v cc quy
nh c lin quan ca php lut.
9.3. CAM KT CA CH TH
a. Cam kt khng thc hin cc giao dch tri vi lut php nc Cng ho X hi Ch ngha Vit Nam hoc
nc s ti ni Ch th s dng Th giao dch.
b. Cam kt chu trch nhim v tt c nhng giao dch bng Th thc hin trc thi im Techcombank
nhn c thng bo bng vn bn v vic Th b mt cp, tht lc, l PIN hoc c nghi ng Th ang b li
dng, bao gm nhng khng gii hn giao dch la o v/hoc ch k gi mo bi bt k ngi no.
c. ng v cho php Techcombank tm kim thng tin lin quan n Ch th t bt k bn th ba no.
d. ng Techcombank c quyn quyt nh cung cp thng tin giao dch Th cho bn th ba cung cp
dch v h tr hot ng Th (nh dch v in v gi Sao k hoc cc dch v khc do Techcombank la
chn khng tri php lut Vit Nam) hoc bn th ba hp tc vi Techcombank trong vic m rng v gia
tng thm gi tr s dng Th cho Khch hng hoc c quan cng an, NHNN iu tra v giao dch theo
quy nh ca Php lut Vit Nam.
e. Trong trng hp pht hnh th tn dng ng thng hiu, Ch th ng cho Techcombank cung cp
thng tin ca Ch th (bao gm nhng khng gii hn bi thng tin c nhn, thng tin pht hnh th, thng
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 Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.Hai B Trng, HN

tin giao dch th ca Ch th.v.v) cho i tc phc v cho vic cung cp gi tr gia tng cho Ch th
trong chng trnh ca i tc
f. Ch th cam kt dng thu nhp hng thng u tin hon tr s d n Sao k. Ch th y quyn cho
Techcombank c t ng trch tin lng v cc khon thu nhp hng thng ca Ch th t ti khon tin
gi thanh ton, ca Ch th ti Techcombank hoc trc tip lin h nhn tin t n v, c quan ca Ch
th lm vic tr n. Ch th y quyn cho c quan/n v hin Ch th ang lm vic trch tin lng,
cc khon thu nhp hng thng v cc khon thu nhp khc (nu c) chi tr cho Techcombank. Vic y
quyn ny ch ht hiu lc khi Ch th thanh ton tt c cc khon n gc, li pht sinh ti
Techcombank.
g. Trong trng hp khng tip tc lm vic ti c quan hin ti, Ch th cam kt thng bo cho
Techcombank trc thi hn 07 ngy k t ngy ngh vic.
h. Ch th cng nhn, khng hy ngang v chu trch nhim thanh ton tt c cc giao dch c thc hin
theo ng quy nh ca Techcombank v quy trnh thanh ton bng Th qua Internet v/hoc c s dng
ch k, ch k in t ca Ch th m khng c hy, ph nhn, t chi, thay i, thoi thc giao dch vi
bt k l do no; cam kt chu mi ri ro lin quan n giao dch c thc hin.
i. i vi cc giao dch thc hin bng phng tin in t, Ch th nhn thc y cc ri ro c th gp
phi khi thc hin giao dch, cam kt cc hot ng din ra do chng t in t ca mnh lp khp ng qui
nh v chu trch nhim v nhng thit hi xy ra do v tnh hay c l ch k in t, dn n b k
gian li dng.
j. Ch th cam kt chp nhn t b quyn khiu kin khi giao dch c th b gin on, khng thc hin c
do b li mng, ng truyn, h thng, in, hoc cc li k thut khc ca bn cung ng dch v hoc ca
Techcombank, hoc do c cc s c xut pht t cc nguyn nhn thi tit, ng t, thin tai
k. Trng hp Ch th thc hin thanh ton bng Th qua Internet thanh ton cho cc nh cung ng dch
v (CDV), Ch th cam kt chu trch nhim v vic thc hin quy trnh thanh ton theo tha thun vi
Nh CDV, chu trch nhim i vi cc giao dch cung cp khng chnh xc M dch v, M thanh ton
v cc thng tin khc lin quan; t gii quyt cc tranh chp lin quan n vic cung ng dch v ca nh
CDV v s tin thanh ton, m thanh ton, thi im thanh ton; chu trch nhim v cc giao dch c
gi nhiu ln v cc vn khc gia Ch th v Nh CDV trong mi thi im, k c trc, trong v sau
khi Techcombank chuyn tin n ti khon ca Nh CDV.
l. Vi cc giao dch th l giao dch MOTO v cc giao dch khc nh giao dch trn internet ch th ng
rng, ch th c th phi ng k vi Techcombank thc hin cc giao dch ny hoc cc giao dch ny
c th c thc hin ngay sau khi ch th ng th c kch hot, ty theo quy nh ca Techcombank
tng thi k. Ch th cam kt nhn thc r ri ro v ng nu Techcombank m tnh nng ny m khng
cn ch th ng k
m. Ch th cam kt ch s dng Th theo ng quy trnh thanh ton bng Th qua Internet do Techcombank
quy nh v s dng Th trong phm vi s d c php s dng v trong hn mc thanh ton theo quy
nh ca Techcombank trong tng thi k.
n. Nu ng k pht hnh Th tn dng ng thng hiu, Ch th ng vi mi quy nh ca Techcombank
v vic pht hnh v s dng th tn dng ng thng hiu.
o. Trong trng hp ch th c yu cu tr gip ti Techcombank (v d: iu chnh hn mc s dng th,
kha th tm thi, v.v) thng qua cc hnh thc bao gm nhng khng gii hn bi vic ch th trc tip
gi in thoi n Techcombank (ch p dng i vi cc trng hp tr gip qua in thoi), ch th trc
tip n Chi nhnh/Phng giao dch ca Techcombank, ch th trc tip ng k qua F@st i-bank, v.vch
th phi chu mi trch nhim i vi cc dch v ch th yu cu Techcombank thay i.

10. QUY NH LIN QUAN N BO HIM I VI TH TN DNG C BO HIM

10.1. CAM KT CA CH TH CHNH TH TN DNG C BO HIM :
a. ng Techcombank, cc bc s, t chc y t v cc t chc, c nhn c lin quan khc cung cp cho
Cng ty bo him v cc cng ty ti bo him cc thng tin lin quan n vic thc hin phn Hp ng bo
him c giao kt trn c s ngh pht hnh th tn dng quc t kim hp ng s dng th.
b. Sau khi m th thnh cng, ty tng loi th Ch th chnh th tn dng c bo him s tr thnh Ngi
c bo him theo loi hnh sn phm bo him do Techcombank mua tng thi k.
c. Trong trng hp pht sinh ri ro thuc trch nhim bo him ca Cng ty bo him, Ch th chnh th tn
dng c bo him ng Techcombank tr thnh Ngi th hng/Ngi nhn quyn li bo him.
Techcombank s s dng Quyn li bo him ny thanh ton cc khon n m Ch th cha thanh ton
cho Techcombank (nu c).
10.2. CH NH NGI TH HNG

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 Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.Hai B Trng, HN

Techcombank v Ch th chnh th tn dng c bo him cng thng nht ch nh Techcombank s l

ngi th hng u tin trong trng hp s kin bo him xy ra i vi Ch th chnh thuc phm vi
bo him ca sn phm bo him, v s khng khiu kin Cng ty bo him sau khi cc quyn li bo him
c Cng ty bo him chi tr cho Techcombank. Theo , Cng ty bo him s thanh ton quyn li bo
him cho Techcombank v Techcombank c quyn s dng quyn li bo him ny thanh ton cc
khon n m Ch th chnh th tn dng c bo him cha tr cho Techcombank (nu c). Sau khi i tr
cc khon n, nu quyn li bo him khng so vi cc khon n m Ch th chnh th tn dng c
bo him phi tr cho Techcombank, trch nhim tip tc thc hin vic tr n y , ng hn v thanh
ton cc khon ph, li pht sinh (nu c) c thc hin theo quy nh ca Techcombank v php lut; nu
quyn li bo him nhiu hn so vi cc khon n m Ch th chnh th tn dng c bo him phi tr
cho Techcombank, Techcombank c trch nhim hon tr quyn li bo him cn li theo quy nh ca
Techcombank v php lut.
10.3. Y QUYN NHN QUYN LI BO HIM
Trong trng hp Cng ty bo him gii quyt quyn li bo him khi c s kin bo him xy ra, Ch th
chnh th tn dng c bo him ng y quyn cho Techcombank nhn ton b quyn li bo him ny
thay cho Ch th chnh th tn dng c bo him vi cc tha thun sau:
a. y quyn ny c hiu lc trong thi hn s dng th tn dng v trong sut thi gian c hiu lc ca phn
Hp ng bo him lin quan n tng Ch th chnh th tn dng c bo him;
b. y quyn ny khng c sa i, b sung, thay th, hy b, chm dt trong sut thi gian c hiu lc ca
phn Hp ng bo him lin quan n tng Ch th chnh th tn dng c bo him.
c. Techcombank c quyn s dng Quyn li bo him ny thanh ton cc khon n m Ch th chnh
th tn dng c bo him cha tr cho Techcombank (nu c). Sau khi i tr cc khon n, nu quyn
li bo him khng so vi cc khon n m Ch th chnh th tn dng c bo him phi tr cho
Techcombank, Ch th chnh th tn dng c bo him c trch nhim tip tc thc hin vic tr n y
, ng hn v thanh ton cc khon ph, li pht sinh (nu c); nu quyn li bo him nhiu hn so vi
cc khon n m Ch th chnh th tn dng c bo him phi tr cho Techcombank, Techcombank c
trch nhim hon tr cho Ch th chnh th tn dng c bo him s tin cn li theo quy nh ca
Techcombank v php lut.
d. i tr cc khon n cha tr ca Ch th chnh th tn dng, Techcombank c quyn phong ta ti
khon ca Ch th chnh trong trng hp cn thit.
10.4. GII QUYT QUYN LI BO HIM
a. Trng hp nu s kin bo him xy ra v thuc phm vi bo him ca hp ng bo him cp cho Ch
th chnh th tn dng c bo him, Ngi yu cu gii quyt quyn li bo him phi thng bo cho
Techcombank hoc Cng ty bo him, trong vng 30 ngy k t khi xy ra s kin bo him. Techcombank
v Cng ty bo him c trch nhim phi hp gii quyt quyn li bo him cho Ngi yu cu gii
quyt quyn li bo him theo tha thun gia Techcombank v Cng ty bo him.
b. Techcombank v Cng ty bo him c trch nhim c lp vi Ch th chnh th tn dng c bo him
trong vic thc hin cc quyn v ngha v ca mnh. Techcombank khng c trch nhim trong vic tr
li/gii quyt khiu kin t khch hng lin quan n vic thc hin ngha v bo him ca Cng ty bo
him.

11. CC IU KHON KHC

11.1. CC QUY NH KHC
a. 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, 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 tng VCNT. Techcombank c quyn ghi n
Ti khon ca Ch th i vi cc trng hp ny.
b. 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. Techcombank s 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 cc hnh thc ny.
c. Tr khi Techcombank c vn bn khc t quyn hn, quyn lc hay bin php ca mnh, mi s tht bi
hay chm tr trong vic thc thi bt k quyn hn, quyn lc hay bin php no ca Techcombank s khng
coi nh l s khc t ton b hay khc t mt phn cc quyn hn, quyn lc hay bin php .
d. Chi ph gia tng: Khi pht sinh s kin lm tng chi ph Techcombank, Techcombanks tnh ton v thng
bo cho Ch th s chi ph tng thm m Ch th c ngha v thanh ton. Trong thi hn 15 ngy k t
ngy thng bo, Ch th c ngha v bi hon cho Techcombank s tin chi ph tng thm c quy nh
trong Thng bo. Trng hp Ch th chm tr S tin Chi Ph Tng Thm ny, Ch th s phi tr li trn
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 Ngn hng thng mi v c phn K Thng (Techcombank) Ta nh Techcombank Tower, 191 B Triu, Q.Hai B Trng, HN

s tin chm tr ny theo mc Li pht chm tr, cch tnh li c quy nh ti iu khon, iu kin v
pht hnh v s dng th ny.
11.2. SA I, B SUNG NI DUNG
a. Techcombank c quyn sa i, b sung cc ni dung ca iu khon, iu kin v pht hnh v s dng
th ny bng cch gi thng bo bng vn bn cho Ch th hoc thng bo trn website ca Techcombank.
Cc sa i, b sung ny c hiu lc k t ngy c ghi r trong thng bo hoc t ngy Techcombank
gi thng bo (nu khng ghi r ngy hiu lc trn thng bo).
b. Trong thi hn 5 ngy k t ngy Techcombank thng bo v vic sa i, b sung iu khon, iu kin,
Nu Ch th khng ng vi cc sa i, b sung do Techcombank a ra, Ch th c trch nhim thng
bo vi Techcombank tha thun chm dt iu khon, iu kin v pht hnh v s dng th ny.
c. Nu Ch th tip tc s dng Th sau thi hn 5 ngy k t ngy Techcombank thng bo v vic sa i,
b sung iu khon, iu kin c hiu l Ch th chp nhn hon ton cc sa i, b sung .
11.3. LUT IU CHNH, GII QUYT TRANH CHP
a. iu khon, iu kin v pht hnh v s dng th ny c iu chnh bi lut php nc Cng ho X
hi Ch ngha Vit Nam v cc quy nh v pht hnh, s dng v thanh ton Th quc t.
b. Nu c bt k tranh chp no pht sinh hoc lin quan n vic gii thch t ng cng nh vic thc hin
iu khon, iu kin v pht hnh v s dng th ny gia Ch th v Techcombank trc ht s c gii
quyt thng qua thng lng, ho gii. Trong trng hp ho gii khng thnh, cc bn c quyn a
tranh chp ra To n c thm quyn Vit Nam gii quyt.
11.4. THI HN HIU LC V IU KHON THI HNH
a. iu khon, iu kin v pht hnh v s dng th ny c hiu lc k t ngy th ca Khch hng c
Techcombank kch hot cho n khi Ch th hon thnh mi ngha v thanh ton theo iu khon, iu
kin v pht hnh v s dng th ny.
b. Nhng ti liu km theo iu khon, iu kin ny hoc thc hin iu khon, iu kin v pht hnh v
s dng th ny ( ngh pht hnh th tn dng quc t, Th xc nhn ca n v cng tc, Hp ng bo
m, Sao k, Biu ph pht hnh v s dng Th, n ngh tng/gim Hn mc tn dng) l mt b
phn khng th tch ri ca iu khon, iu kin ny v ton b cc ti liu ny cu thnh Hp ng s
dng th tn dng quc t.
c. Ch th xc nhn c, hiu r v ng vi iu khon, iu kin ny, c Techcombank gii thch
chnh xc, y v cc ni dung trc khi k. Hp ng c lp bng ting Vit. Nu c bn nc ngoi
tham gia, cc bn thng nht s dng bn ting nc ngoi thng dng km theo bn ting Vit. Trong
trng hp c mu thun ni dung gia bn ting Vit v ting nc ngoi th bn ting Vit c gi tr s
dng.
d. Khch hng c th tham kho ni dung ca iu khon, iu kin ny ti website ca Techcombank.

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