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Online IB Registration - Terms and Conditions

PART A: TERMS AND CONDITIONS OF ACCESS AND USE OF WEBSITE
(Effective Date : 12 March 2017)

THE FOLLOWING TERMS AND CONDITIONS APPLY TO THE ACCESS AND THE USE OF THIS WEBSITE AND THE SERVICES PROVIDED HEREIN BY BANK ISLAM MALAYSIA BERHAD (“BANK”). BY ACCESSING ANY PAGE OF THIS WEBSITE AND/OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS WITHOUT LIMITATION OR QUALIFICATION.

IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO THIS WEBSITE AND/OR USE OF THE SERVICES.


General

The information, material, content or advice contained in this website does not constitute an invitation to treat or offer to enter into legally binding contract with Bank Islam and is provided for general information only.

The information, material, products and services (“Content”) described or offered in this website are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Bank Islam to any restriction within such jurisdiction or country.

The Customer is advised to seek independent legal, financial or other advice as the Customer deems necessary at all times before making any decision based on any such information, material, content or advice.

The Customer shall be solely responsible in making his own assessment when accessing and using this website, the contents and services herein. Further by assessing and using the services under these Terms and Conditions shall be at Customer’s sole rights at all times.

Further thereto, Bank Islam also reserves the sole right and discretion to make any amendments to these Terms and Conditions from time to time. Bank Islam shall notify Customer of such amendments by notice, among others, displayed on this website at least twenty one (21) days before the said amendments come into effect and after which, Customer continued access of this website and/or use of the services herein subsequent to any such amendments made shall constitute Customer’s agreement and binding acceptance of the same.


The Terms and Conditions

The Terms and Conditions herein and all supplements, amendments and variations shall collectively constitute the agreement between the Customer and Bank Islam, and shall apply to Bank Islam’s Internet Banking Services.

The Terms and Conditions operate in conjunction with the respective terms and conditions and rules and regulations governing the relevant Account(s), which the Customer represents that he has read, understood and agreed to be bound by without qualification or limitation by use of this website or any of its pages.


Disclaimers

References to information and material contained in the website include such information and material may be provided by third parties. Bank Islam advises the Customer to visit, telephone, e-mail, fax or write to such parties for more information or to confirm the information contained herein.

Bank Islam does not make any express or implied warranties, representations or endorsements including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, correctness, accuracy, satisfactory quality, reliability, fitness for a particular purpose in respect of the website, the material, information and/or functions therein and expressly disclaims liability for errors and omissions in such materials, information and/or functions. With derogation of the above and/or the Terms and Conditions of the applicable Terms and Conditions governing all the products and services of Bank Islam, reasonable measures will be taken by Bank Islam to ensure the accuracy and validity of all information relating to transactions and products of Bank Islam.

Bank Islam shall not be responsible or liable for any loss caused or damage incurred or suffered by the Customer or any other person as a consequence of using Bank Islam’s Internet Banking Services.

Further, Bank Islam does not warrant or represent that access to the whole or parts of the website, the materials, information and/or functions contained therein will be provided uninterrupted or free from errors or that any identified defect will be corrected, or that there will be no delays, failures, errors or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to the Customer’s computer, laptop, tablet, mobile device, or any other devices that are used to access the above.


Links

Throughout Customer’s access of this web site and use of the services herein, Customer will come across hyperlinks to third parties' web sites, which are not under Bank Islam’s control, unless stated otherwise. These hyperlinks are provided for Customer’s reference only and do not represent in any way whatsoever Bank Islam’s endorsement or sanction of the same. Accordingly, Bank Islam shall not be responsible or liable for Customer’s access and use of the same or any information or materials available therein. Bank Islam shall also not be responsible for any form of transmission or communication between Customer and the said third parties or Customer’s participation or use of their information, materials, services or promotions. For this purpose, Customer agrees to be solely responsible for the same or any portion thereof.


Customer’s Conduct

The Customer agree that the access of this web site and use of the services herein shall at all times be in accordance with all legislation, laws and regulations governing the same and the Customer shall not, at any time whatsoever, attempt or assist any other person to transmit any materials, data, communication and/or information ("Content"), through this web site or services herein, which is abusive, defamatory, infringes another person's rights, constitutes a criminal offence or gives rise to civil liability, encourages racism, promotes hatred, contains pornography or pedophilia, contains any viruses or deleterious files and/or is otherwise objectionable to public morals and decency involving any Shariah non-compliance event. The Customer also agree not to hack or attempt to gain unauthorised access into this web site and the services herein, disrupt the security of its resources, provide information, which is inaccurate or false, and/or otherwise abuse and misuse this web site and the services herein. If at any time the Customer discovers or suspects the occurrence of any of these activities, the Customer is required to notify Bank Islam immediately and in failing or delaying to do so, the Customer may also be held liable for the same.

Bank Islam is not obliged to monitor or review the Customer’s access of this web site or use of the services herein. However, Bank Islam may do so from time to time for Bank Islam’s own purposes or where Bank Islam is compelled to do so under these Terms and Conditions, without notice and without any liability whatsoever to the Customer.


Confidential Information

The Customer hereby confirm that they have read, understood and agreed to be bound by Bank Islam Privacy Statement (which is available at https://www.bankislam.biz) and the clauses herein and Terms and Conditions of BANK ISLAM MALAYSIA BERHAD’s Internet Banking Services. For the avoidance of doubt, the Customer agrees that the said Privacy Statement shall be deemed to be incorporated by reference into these Terms and Conditions.


Privacy Clause

The Customer hereby confirm that they have read, understood and agreed to be bound by Bank Islam Privacy Statement (which is available at https://www.bankislam.biz) and the clauses herein and Terms and Conditions of Bank Islam Malaysia Berhad’s Internet Banking Services that the said Privacy Statement shall be deemed to be incorporated by reference into these Terms and Conditions.

In the event the Customer provides personal and financial information relating to third parties, including information relating to the Customer’s next-of-kin and dependents, for the purpose of opening or operating their account(s) / facility(ies) with Bank Islam or otherwise subscribing to Bank Islam’s products and services, the Customer (a) confirms that they have obtained their consent or are otherwise entitled to provide this information to Bank Islam and for Bank Islam to use it in accordance with these Terms and Conditions and Terms and Conditions of Bank Islam Malaysia Berhad’s Internet Banking Services; (b) agrees to ensure that the personal and financial information of the said third parties is accurate; (c) agrees to update Bank Islam in writing in the event of any material change to the said personal and financial information; and (d) agrees to Bank Islam’s right to terminate Bank Islam Malaysia Berhad’s Internet Banking Services should such consent be withdrawn by any of the said third parties.

Where the Customer instruct Bank Islam to effect any sort of cross-border transaction (including to make or receive payments), the details relevant to the cross-border transaction (including information relating to those involved in the said transaction) may be received from or sent abroad, where it could be accessible (whether directly or indirectly) by overseas regulators and authorities in connection with their legitimate duties (e.g. the prevention of crime). In instructing Bank Islam and/or Bank Islam’s agents to enter into any cross-border transaction on the Customer’s behalf, the Customer agrees to the above said disclosures on behalf of themselves and others involved in the said cross-border transaction.

Bank Islam may at any time and from time to time now and/or in the future carry out the necessary reference checks including but not limited to credit reporting/reference checks with credit reporting/reference agencies, including but not limited to CCRIS, FIS and/or any other agencies and/or from any financial institution to enable Bank Islam to ascertain the Customer’s status as may be required to help make decisions, for example when Bank Islam needs to (a) check details on applications for credit and credit-related or other facilities; (b) manage credit and credit-related accounts or facilities, including conducting reviews of the Customer’s portfolio(s); recover debts; and/or any purpose related to or in connection with the account/facility under these Terms and Conditions. The Customer will be linked by credit reporting/reference agencies to any other names the Customer uses or has used, and any joint and several applicants. Bank Islam may also share information about the Customer and how the Customer manage their account(s) / facility(ies) with relevant credit reporting/reference agencies.

Even after the Customer has provided Bank Islam with any information, the Customer will have the option to withdraw the consent given earlier. In such instances, Bank Islam will have the right to not provide or discontinue the provision of any product, service, account(s) and/or facility(ies) that is/are linked with such information.

Bank Islam reserves the right to amend this privacy clause from time to time at Bank Islam’s sole discretion and shall provide prior notification to the Customer in writing and place any such amendments on Bank Islam websites and/or by placing notices at the banking halls or at prominent locations within Bank Islam’s branches.

The Customer further agrees that Bank Islam shall not in any event be liable for any claim, loss, damage (financial and otherwise), injuries, embarrassments or liability howsoever arising whether in contract, tort, negligence, strict liability or any basis (including direct or indirect, special, incidental, consequential or punitive damages or loss of profits or savings) arising from any inaccuracy or loss, deletion or modification of data or for any other reasons whatsoever relating to any information forwarded by Bank Islam to such credit reporting/reference agencies and/or such other party, as the case may be, or in relation to any access or use, or the inability to access or use by such credit reporting/reference agencies and/or such other party or reliance on the information contained therein, whether caused by any technical, hardware or software failure of any kind, the interruption, error, omission, delay, viruses or otherwise howsoever.

This clause shall be without prejudice to any other clause in Terms and Conditions of Bank Islam Malaysia Berhad’s Internet Banking Services which provides for the disclosure of information.


Copyright

Unless otherwise indicated, the copyright in the website and its contents, including but not limited to the text, images, graphics, sound files, video files, and their arrangement, are the property of Bank Islam, and are protected by applicable Malaysian and international copyright laws. No part or parts of this website may be modified, copied, distributed, retransmitted, broadcasted, displayed, performed, reproduced, published, licensed, transferred, sold or commercially dealt with in any manner without the express prior written consent of Bank Islam.

The Customer also may not, without Bank Islam's express prior written consent, insert a link to this website on any other website, frame or “mirror" any material contained on this website on any other server.

Any such unauthorised reproduction, retransmission or other copying or modification of any of the contents of Bank Islam's website may be in breach of statutory or common law rights which could be the subject of legal action. Bank Islam disclaims all liability which may arise from any unauthorised reproduction or use of the contents of Bank Islam's website.


Trademarks

All trademarks, service marks, and logos displayed in this website are the property of Bank Islam and/or their respective third party proprietors as identified in the website.

Unless the prior written consent of Bank Islam or the relevant third party proprietor of any of the trademarks, service marks or logos appearing on the website has been obtained, no license or right is granted to any party accessing this website to use, download, reproduce copy or modify such trademarks, services marks or logos. Similarly, unless the prior written consent of Bank Islam or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to Bank Islam's website or any other site.


Exclusion

Bank Islam shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages, or loss of profits or loss of savings arising in connection with Customer access or use or the inability to access or use this website (or any third party link to or from Bank Islam's website), reliance on the information, opinions or recommendations contained in the website, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise, whether or not Bank Islam has been advised of the possibility of such damages or loss. This exclusion clause shall take effect to the fullest extent permitted by law.


Indemnity

The Customer shall fully indemnify and keep indemnified Bank Islam officers, directors, employees, agents and servants from all liabilities, claims, losses and expenses, including any legal fees or disbursement that may be incurred by Bank Islam, whether directly or indirectly, at all times in connection with or arising from breach of any of the provisions under these Terms and Conditions.


Miscellaneous

Bank Islam reserves the right and at its sole discretion to modify (including limit, replace or delete) this web site, the services herein and the Content or any portion thereof as well as to terminate or restrict Customer’s access and/or use of the same at any time. Pursuant thereto, where Bank Islam believes that such modifications are substantial or materially affect Customer’s access and use of the same, Bank Islam shall notify Customer of such modifications by notice, among others, displayed on this web site at least seven (7) days before the said modifications come into effect, except where circumstances beyond Bank Islam’s control, limit, ability and efforts to do so.


Change of Terms and Conditions

Bank Islam reserves the right to vary, amend or supplement any of these Terms and Conditions by way of notice in such manner as deemed suitable by Bank Islam from time to time. Notwithstanding the same, the Customer should be able to view the revised Terms and Conditions upon access to Bank Islam Internet Banking Services at this website and the use of the services thereafter shall constitute the Customer's acceptance to the variations, amendments or supplements.


Law and Jurisdiction

These Terms and Conditions are governed by and are to be construed in accordance with laws of Malaysia. By accessing this website and/or using the services provided herein by Bank Islam, Customer hereby consent to the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of relating to the use of this website.

Bank Islam makes no representation that the materials, information, functions and/or services provided on this website are appropriate or available for use in jurisdiction other than Malaysia.

The maximum amount of a transaction and the purpose for which it is effected may be determined by Bank Negara Malaysia (BNM) and the laws and regulations of the country in which the transaction is effected or requested.



PART B: TERMS AND CONDITIONS OF BANK ISLAM MALAYSIA BERHAD’S INTERNET BANKING SERVICES(Effective Date : 12 March 2017)

These Terms and Conditions govern the Customer's use of Bank Islam Malaysia Berhad's Internet Banking Services (as hereinafter defined). It is to be read together with the terms and conditions of the relevant Account(s) (as hereinafter defined) which may be accessed by Customer through the Internet Banking Services.


Definitions

In these Terms and Conditions, unless the context requires otherwise, the following words and expressions shall have the following meaning:

Terms Definition
"Account (s)" One or more of Customer's savings, current, credit card, financing, investment or any other accounts with Bank Islam which may be accessed through the Internet Banking Services as may be determined by Bank Islam from time to time.
"Account terms" The terms and conditions of the relevant Account(s) which may be accessed through the Internet Banking Services.
“Affiliates” Any entity, company, corporation or institution which may offer products, services, content or information on Internet Banking Services from time to time.
“ATM PIN” The six digit numeric Personal Identification Number for a Basic ATM Card or Debit Card issued to the Customer under the Customer’s Account.
“Basic ATM Card” A smartcard issued by Bank Islam that has similar functions and features as Debit Card except Visa related functions and features.
"Bank" Bank Islam Malaysia Berhad (no. 98127-X), a company incorporated in Malaysia having its registered office at 32nd Floor, Menara Bank Islam, No. 22 Jalan Perak, 50450 Kuala Lumpur and includes its successors-in-title and assigns.
"Banking Services" Products and services of Bank Islam are made available to the Customer on Bank Islam’s Internet Banking Services.
"Business Day" Any day from Monday to Friday on which Bank Islam is open for business in Kuala Lumpur, Malaysia, but does not include any public holiday.
“Card Number” The sixteen digit number of a Basic ATM Card or Debit Card as assigned by Bank Islam in relation to Customer’s Account, as Customer may have or as may be opened by Customer, with Bank Islam.
"Customer" The person or persons in whose name(s) the Account(s) is/are maintained with Bank Islam.
“Debit Card” Any Debit Card-i issued by Bank Islam to the Cardholder providing electronic access to the Cardholder’s current and/or savings and/or Al-Awfar account, and to allow the Cardholder to effect any transactions subject to the terms and conditions contained herein.
“FAQ” The frequently asked questions that is available at https://www.bankislam.biz/.
“FPX” FPX facilitates Customer to make secure online real-time payments from the Customer’s Account to FPX Sellers.
“FPX Sellers” A company / organization / government agency that has been registered and authorized to receive payment from Customer via FPX system.
“IAC” i-Access Code, an additional security authentication comprises a unique 6-digit code that is auto-generated together with Secure Code and delivered to the Customer’s registered mobile number once requested through the Internet Banking Services.
“Instructions” Any request, application, authorisation or instructions in whatever form given or transmitted through Internet Banking Services to Bank Islam by Customer or any other persons purporting to be Customer, whether authorised or unauthorised.
"Internet Banking Services" The Banking Services which Customer may access on these Terms and Conditions through the use of a personal computer terminal or any electronic device through an internet browser.
“Instant Transfer” or “IBFT” Real-time e-payment service which allows Customer to instantly and securely transfer funds from the Account to another account in another bank.
“Loss” Any and all losses, damages (financial and otherwise), injuries, embarrassments, costs, charges, taxes, duties, levies, penalties and/or expenses whatsoever, including legal fees on a full indemnity basis.
“Network Service Provider” Any internet service provider or commercial online service provider providing connection to the internet.
“OFS” The Ombudsman for Financial Services, a dispute resolution body replacing Financial Mediation Bureau (FMB).
"Password" A unique string of characters (includes alphanumeric and selected symbols) chosen by Customer and known only to Customer and Bank Islam's computer system, constitutes the other part of Customer’s electronic signature, which must be keyed in by Customer in order for Internet Banking Services system to authenticate Customer's User ID and grant Customer access to the Internet Banking Services.
“Private Image” An additional security measure to assist the Customer in identifying the valid Bank Islam Internet Banking site. The image is selected by the Customer during the first-time login process and Customer may change it anytime upon successful login.
“Private Word” An additional security measure to assist the Customer in identifying the valid Bank Islam Internet Banking site. The word is entered by the Customer during the first-time login process and Customer may change it anytime upon successful login.
“Registered Mobile Number” Customer’s mobile number that Customer provide to Bank Islam during the opening of account, during the Customer’s Internet Banking Services registration process or as and when the Customer update the mobile number at Bank Islam’s branch or ATM.
"Ringgit Malaysia" or "RM" The lawful currency of Malaysia.
“Secure Code” An additional security authentication comprises a unique 4-alphabet code that is auto-generated together with IAC by the system upon request by Customer and delivered to Customer’s registered mobile number. The 4-alphabet code sent to Customer’s registered mobile number must match against the 4-alphabet code appeared on transaction page.
“Security Questions and Answers” A set of questions and answers that is being used as an additional level of identity verification. The security questions and answers are set up by the Customer during the Customer’s Internet Banking Services registration process and Customer may change it anytime upon successful login.
“Services” The banking services offered by Bank Islam via the internet or any other electronic medium approved by Bank Islam, in accordance with the Terms and Conditions of Bank Islam Malaysia Berhad’s Internet Banking Services.
"Service Provider" Billing corporations approved by Bank Islam from time to time and displayed on the Internet Banking Services bill payment screen.
"Third Party Accounts" An account to which the Customer wish to make a fund transfer either within Bank Islam or outside Bank Islam.
"Terms and Conditions" These Terms and Conditions governing the use of the Internet Banking Services.
“User ID” A unique name made up of a string of characters chosen by Customer, constitutes one part of Customer’s electronic signature hereunder and is the only means by which to allow Bank Islam to identify Customer, which must be keyed in by Customer in order for Internet Banking Service system to associate the User ID with the Customer's user profile and Account(s)..

Miscellaneous Interpretation

a) Words importing the singular shall include the plural and vice versa.

b) Words importing the masculine gender shall include the feminine and neuter genders and vice versa.

c) All references to provisions of statutes include subsidiary legislation and all modifications, re-certification and re-enactment of or to such statutes and subsidiary legislations from time to time and for the time being in force

d) Any banking term not specifically defined or described herein shall be construed in accordance with the general practice of banks and finance companies in Malaysia. Any term relating to computer technology not specifically defined or described herein shall be construed in accordance with general practice and the custom of trade of computer companies and the information technology industry in Malaysia.

e) In the event of any conflict in the interpretation of these Terms and Conditions and any translation of the Terms and Conditions in any language, the English version of these Terms and Conditions shall prevail.

  1. 1. Application And Enrolment to the Internet Banking Services
    1. 1.1 Subject to the terms and conditions herein, Internet Banking Services is made available for the application and enrolment to Customers, which have one or more existing Accounts with Bank Islam.
    2. 1.2 Non-Account holders may enroll for Internet Banking Services only after physically opening an Account with Bank Islam.
    3. 1.3 To enroll for Internet Banking Services, Customer would be required to have a Basic ATM Card or Debit Card, as the case may be.
    4. 1.4 Existing Customers who do not own a Basic ATM Card or Debit Card, must first apply for a Basic ATM Card or Debit Card (as the case may be) in relation to the existing Account with Bank Islam.
    5. 1.5 Any application to enroll for Internet Banking Services and access thereto, will be subject at all times to Bank Islam's sole and absolute discretion and Bank Islam reserves the right to accept or reject an application, to deny Customer’s ability to access Internet Banking Services, to limit Customer’s access or transactions or to revoke Customer’s access to Internet Banking Services without being obliged to provide any reason of such rejection.
  2. 2. Account Terms and Conditions
    1. 2.1 Customer’s use of the Internet Banking Services are governed by these Terms and Conditions, which are to be read together with the relevant Account Terms, the terms and conditions governing the accounts, services and/or products of Bank Islam, Bank Islam's rules and regulations and the rules and regulations of any funds transfer system to which Bank Islam belongs.
    2. 2.2 Where there is any conflict or inconsistency between these Terms and Conditions and the relevant Account Terms, these Terms and Conditions shall prevail to the extent of such conflict or inconsistency.
    3. 2.3 The Customers agree to properly maintain and comply with the relevant Account Terms and any other rules and/or regulations governing Customer's Account(s).
  3. 3. Acceptance of Terms and Conditions
    1. 3.1 Customer acknowledges that the first time Customer apply to enroll for Internet Banking Services, Customer shall be deemed to have read, understood and agreed to be bound by these Terms and Conditions and Customer further acknowledges and accepts all inherent risks associated in conducting any transactions over the Internet or such other electronic medium approved by Bank Islam.
    2. 3.2 Customer agrees to abide by the terms and conditions herein contained in Customer’s access and use of Bank Islam's Internet Banking Services.
  4. 4. Customer’s Responsibility And Undertakings
    1. 4.1 Customer shall, at all times, be responsible for obtaining and using the necessary internet browser and/or any other hardware and/or software necessary including any new and recent versions thereof, which is necessary to obtain access to Internet Banking Services at Customer’s own risk and expense.
    2. 4.2 Customer shall be responsible for the maintenance of any account that Customer may have with a Network Service Provider for Customer’s access to Internet Banking Services and Customer hereby agree, acknowledge and understand that such access will, to that extent, be subject to the terms and conditions of Customer’s Network Service Provider.
    3. 4.3 Customer agrees and acknowledges that Bank Islam shall not be held liable for Customer’s inability to access Internet Banking Services or any part thereof, the rejection of Customer’s transactions, the incorrect processing of Customer’s transactions as a result of Customer’s failure to maintain Customer’s account with the Network Service Provider or Customer’s failure to obtain or use the necessary Internet browser and/or other hardware and/or software including but not limited to any failure to upgrade the relevant Internet browser and/or software or to use the new and recent versions of the same as may be required by Bank Islam.
    4. 4.4 Customer agrees to observe all security measures in relation to Customer’s Account(s) and the access to and use of Internet Banking Services as specified in these Terms and Conditions and any other rules and regulations, policies or guidelines as may be in force in relation thereto.
    5. 4.5 Customer shall furnish Bank Islam with complete, accurate and timely data, information and Instructions in relation or in connection with any transactions and performance of any transactions made through Internet Banking Services.
    6. 4.6 Customer shall not initiate any claims, actions or suits against Bank Islam, for any unauthorised use of Internet Banking Services whether as a result of Customer’s Password, Secure Code, IAC and User ID being compromised or otherwise.
    7. 4.7 Customer shall not interfere with the access to and use of Internet Banking Services or Banking Services by other customers and Customer shall not use Internet Banking Services for any purpose other than conducting authorised transactions pertaining to Customer’s Account(s). Customer shall also not hack, attempt to hack or gain unauthorised access, whether directly or indirectly, into Internet Banking Services, any other customer's account(s) and/or the Banking Service(s), for any purpose whatsoever.
    8. 4.8 Customer shall observe all reasonable propriety and etiquette in Customer’s communications with Bank Islam and shall not communicate any obscene or defamatory information to Bank Islam whether through Internet Banking Services or otherwise.
    9. 4.9 Customer shall keep Customer’s self informed and updated of Bank Islam’s relevant and applicable policies and practices and other terms applicable to Customer’s Account(s), the Banking Services and Internet Banking Services as provided by Bank Islam to Customer.
    10. 4.10 Customer shall not install or use Internet Banking Services on a jail-broken or rooted device. Unauthorised modifications to any tablets’ and mobile devices’ operating systems ("jail-breaking or rooting") bypasses security features and can cause numerous issues to the hacked devices. Bank Islam strongly cautions against installing Internet Banking Services in any hacked tablets and mobile devices. Bank Islam expressly disclaims liability for any Losses Customer suffer (including losses due to unauthorized transactions) or costs Customer incur due to, arising from or as a consequence of such jail-broken or rooted tablets and mobile devices, hardware or software and shall not be liable for any Losses or any other consequences of any tablets, mobile devices, hardware or software Customer use in connection with Internet Banking Services or the Banking Services is damaged, corrupted or fails to work.
    11. 4.11 Customer shall at all times ensure that the Internet Banking Services shall be used solely in compliance with the Shariah principles.
  5. 5. Access to the Internet Banking Services
    1. 5.1 Use of the Internet Banking Services by the Customer shall be subject to Clause 6 and 8 of these Terms and Conditions and/or any other time specified by Bank Islam. The Customer's acceptance and agreement and continued acceptance and agreement of the provision of the Terms and Conditions and of the risks in conducting any transaction over the Internet.
    2. 5.2 Registration:
      1. 5.2.1 Registering using Basic ATM Card / Debit Card – Customer will be required to accept the Terms and Conditions. Upon acceptance, the Customer is required to enter Card Number and ATM PIN. Upon acceptance of the correct information, Customer will be required to create User ID and Password, enter email address, enter Registered Mobile Number, select Private Image, enter Private Word, and set up Security Questions and Answers. Once successful, Customer's access to the Internet Banking Services will be deemed to have been activated and the Customer can then proceed to login using the User ID and Password.
    3. 5.3 Thereafter, to access the Internet Banking Services, each time the Customer will need to key in User ID and Password, and verify Private Image and Private Word rendered on the page.
    4. 5.4 The Customer agrees that Bank Islam has the right to invalidate their User ID and Password without being obliged to offer to the Customer any explanation or any reason thereof prior notice and that the Customer shall not hold Bank Islam liable for any Loss or damage which the Customer may suffer as a result of such invalidation of Customer’s User ID and Password.
    5. 5.5 Self-reset Password and re-registration:
      1. 5.5.1 If Customer forgets Customer’s Password, Customer can reset Customer’s Password by going online at https://www.bankislam.biz/ and clicking on forget password link.
        1. 5.5.1.1 Where Customer have a Basic ATM Card or Debit Card issued by Bank Islam together with the ATM PIN for such Basic ATM Card or Debit Card, Customer shall accept the Terms and Conditions to proceed.
        2. 5.5.1.2 Upon acceptance of the Terms and Conditions, Customer shall enter User ID, Basic ATM Card or Debit Card number and ATM PIN.
        3. 5.5.1.3 Upon successful validation of the information in Clause 5.5.1.2, Customer shall create a Password.
        4. 5.5.1.4 Upon successful Password creation, Customer shall be notified on successful change of Password and advised to login.
      2. 5.5.2 If Customer forgets Customer’s User ID, please call Bank Islam Contact Center to delete Customer’s User ID. Then Customer shall go online at https://www.bankislam.biz/ and click first time user tab. Customer shall refer to Clause 5.2 above for registration.
  6. 6. Internet Banking Services
    1. Upon the first time login of the Internet Banking Services and subject to the Customer maintenance of the relevant Account(s) with Bank Islam, the Customer will be able to access the Banking Services as Bank Islam and/or any other third party may from time to time, make available to the Customer on the Internet Banking Services.
  7. 7. Instructions and Authorisations
    1. 7.1 The Customer shall, at all times, be responsible for all Instructions transmitted to Bank Islam via the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID regardless of whether they were made by the Customer or someone purporting to be the Customer and the Customer hereby agrees and acknowledges that Bank Islam would be entitled to rely on and treat any Instructions made, submitted or effected pursuant to the use and entry of the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID as having been made, submitted and effected by the Customer and accordingly, Bank Islam shall not be responsible or liable for any Losses which the Customer may suffer, whether directly or indirectly, as a result of the same.
    2. 7.2 All Instructions transmitted to and/or received by Bank Islam through the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID shall be deemed as regular and genuine Instructions made by the Customer. For the avoidance of doubt, Bank Islam is under no obligation to verify the said Instructions with the Customer to determine its authenticity but Bank Islam may, at its sole right and discretion, do so for its own purposes.
    3. 7.3 Subject to Clause 7.6, all Instructions transmitted via the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID shall be irrevocable and binding on the Customer upon transmission.
    4. 7.4 The Customer hereby authorises Bank Islam to accept and act upon any Instructions made by the Customer in respect of Internet Banking Services including but not limited to withdrawal(s), transfer(s) or to otherwise deal with the Customer’s Account(s) without any further authority. Further, the Customer agrees and acknowledge that subject to Bank Islam having received notification from the Customer pursuant to Clause 28.5 herein, Bank Islam will be deemed to have been duly authorised by the Customer to accept and act upon Instructions to Bank Islam made via the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID, whether or not such Instructions were in fact made by the Customer or any other person(s) purporting to be the Customer.
    5. 7.5 Subject to Clause 7.6 below, if the Customer discovers or have reason to believe that the Instructions transmitted to or received by Bank Islam are neither accurate nor complete, the Customer shall inform Bank Islam immediately via telephone at its Contact Centre at 03-2690 0900. For the avoidance of doubt, all telephone calls made to Bank Islam's Call Centre shall be logged by Bank Islam.
    6. 7.6 Bank Islam shall not be obliged to act on any request to cancel, revoke, reverse or amend any Instructions for payment or transfer or any other Instructions after it has been transmitted by the Customer to Bank Islam. Bank Islam, however, may at its sole discretion, cancel, revoke, reverse or amend an earlier instruction if the Customer’s request to cancel, revoke, reverse or amend the same is received and effected before the earlier Instruction is executed. For the avoidance of doubt, Bank Islam may charge the Customer for doing so.
    7. 7.7 Bank Islam reserves the right to refuse to carry out any Instructions given by the Customer for any reason, including without limitation, where such Instructions are in violation of any of the terms and conditions herein contained or are inconsistent with any of Bank Islam’s policies, Shariah principles or contradicting the Shariah principles or any regulatory requirements or other rules and regulations as may be in effect from time to time.
    8. 7.8 Subject to Clause 15.6, in the event that Bank Islam decides to act upon and/or carry out any Instructions or is otherwise under an obligation to act upon and/or carry out any Instructions, Bank Islam shall be allowed such time to act upon and implement any Instructions as may be reasonable having regards to the systems and operations of Bank Islam and any other circumstances then prevailing and accordingly, Bank Islam shall not be responsible or liable for any Loss arising from any delay on the part of Bank Islam in acting upon and/or carrying out any such Instructions.
    9. 7.9 Where any instruction is ambiguous and/or inconsistent with any other Instructions, Bank Islam shall be entitled to rely and act upon such instruction in accordance with any reasonable interpretation thereof which any officer believes in good faith to be the correct interpretation of the same or refuse to act until Bank Islam receives a fresh instruction(s) in such form and manner as is required by Bank Islam.
    10. 7.10 All Instructions given and transactions effected or made by the Customer on any day after the time stipulated by Bank Islam as the latest time by which such Instructions or transactions should be effected or made may, at the election of Bank Islam, be treated as Instructions or transactions given, effected or made on the next Business day immediately following that day.
    11. 7.11 Customer shall be solely responsible for the security and care of the device used to generate and/or receive the IAC. Bank Islam shall not be responsible for any fraudulent or unauthorized transactions arising from the Loss or compromise of the IAC or any other device used to generate and/or receive the IAC. Any Loss, theft, remote takeover or interception of the IAC and/or any other device used to generate and/or receive IAC including Customer’s mobile telecommunication device must be promptly notified to Bank Islam at the address stated herein and Customer shall remain responsible for any unauthorized transactions which took place as a result of the Loss or theft.
  8. 8. Availability of Service
    1. 8.1 The Internet Banking Service is intended to be available 7 days a week from 00:30 am to 12:00 midnight. However, the Customer acknowledges that at certain times some or all of the Internet Banking Services may not be accessible due to system maintenance or reasons beyond the control of Bank Islam. Notwithstanding the above, the Customer acknowledges that Bank Islam specifically does not warrant that the Internet Banking Service will be available at all times.
    2. 8.2 In the event that any or all of the Internet Banking Services are not accessible for whatever reason, the Customer agrees to use alternative means, including but not limited to Bank Islam's Automated Teller Machine or a Bank branch, to issue Instructions in respect of the Internet Banking Services.
  9. 9. Availability of Funds
    1. 9.1 The Customer agrees and accepts that Bank Islam reserves the right to impose such limits and conditions to all the transactions performed by the Customer through the Internet Banking Services as Bank Islam deems fit from time to time. The Customer further agrees and accepts that the Customer's transactions is limited to such maximum daily limit that may imposed by Bank Islam from time to time. The Customer shall ensure that the limit shall be observed.
    2. 9.2 In the event that the Customer's account is overdrawn for any reason whatsoever including the exercise by Bank Islam of its right of set-off or as a result of Bank Islam executing the Customer's Instructions, the Customer shall on demand pay to Bank Islam the amount of moneys overdrawn and until such payment, the Customer shall abstain from performing any other transaction in the Customer's account through Bank Islam Services or otherwise.
  10. 10. Updating of Customer’s Particulars
    1. 10.1 Customer shall promptly notify Bank Islam in writing or by such other means as Bank Islam deems acceptable of any changes or variations in Customer’s personal particulars and Bank Islam shall be entitled to assume that there have been no changes or variations until Bank Islam has received notice thereof given by Customer. Provision of such particulars during the enrollment process in Internet Banking Services does not deem automated updating of Customer’s personal particulars.
  11. 11. Account Information
    1. 11.1 Bank Islam does not warrant the accuracy of any information pertaining to the Customer’s Account(s) as reported through the Internet Banking Services.
    2. 11.2 The Customer acknowledge that any information pertaining to the Customer’s Account(s), Third Party Account(s) or transactions as reported through the Internet Banking Services may not always be completely up to date as there may be transactions and/or Instructions which, without limiting the generality of the foregoing, have yet to be processed by Bank Islam, require verification of Bank Islam or are in progress. The Customer specifically agrees that the account balance as reported through the Internet Banking Services shall not, for any purpose whatsoever, be taken as conclusive of Customer's Account balance with Bank Islam.
    3. 11.3 Bank Islam will issue the Customer such Statements of Account as agreed in the relevant Account Terms. A Statement of Account will include the Internet Banking Services transactions carried out on the Customer’s instruction which are relevant to the Customer’s Account(s).

      Where Bank Islam sends or delivers to Customer Statement of Account, Customer shall verify each and every Statement of Account as per relevant account product Terms and Conditions.
    4. 11.4 E-Statement services
      1. 11.4.1. The e-Statement service allows Customers of the Bank Islam that have subscribed to the Bank Islam Internet Banking service to view, save and print in PDF format or such other format as may be made available by the Bank Islam from time to time, the e-Statement of the Customer subject to the terms herein.
      2. 11.4.2. E-Statement is an electronic version of the paper statement mailed or otherwise provided to the Bank Islam’s customers by the Bank Islam that are made available via Bank Islam Internet Banking service in a form either identical in full or in part, to the paper version of the said statements (as applicable).
      3. 11.4.3. Notwithstanding Clause 11.4.2 above, Customer acknowledge that Bank Islam will not provide e-Statements in the form of Account statements to customers who are not previously entitled to the paper statements of the same under the applicable rules of the said Account, although e-Statements may still be provided in relation to the said Account, at Bank Islam’s discretion.
  12. 12. Transfers and Payments
    1. 12.1 The Customer agrees and acknowledges that Transfers and Payments are not final upon receipt of the Customer’s Instructions.
    2. 12.2 Bank Islam may, at its sole right and discretion, request for any additional verification and/or information prior to the execution of any Transfer or Payment Instructions. For the avoidance of doubt, Bank Islam shall not be responsible nor liable for any Loss which the Customer may suffer, whether directly or indirectly, as a result of Bank Islam's failure, neglect, omission or otherwise option not to request for such additional verification and/or information.
    3. 12.3 The Customer acknowledges that Bank Islam may specify limits on the number of transactions the Customer may make using Bank Islam's Transfer and Payment services and the amounts to be transferred or paid under the same.
    4. 12.4 Bank Islam will endeavour to execute any transfer and payment Instructions promptly in accordance with the Customer’s Instructions subject always to the Payments and Transfers being made on a Business day, regardless of this Transfer and Payment being made online real time or scheduled as a recurring Transfer and/or Payment.
    5. 12.5 Bank Islam shall not be liable for any Transfers or Payments or any failure to complete or execute a Transfer or Payment instruction where:-
      1. 12.5.1 The Customer has an insufficient balance in the Customer’s Account(s) or insufficient overdraft line of credit to transfer or pay the relevant amount(s) or to transfer or pay for any fees, taxes, duties, levies, penalty charges, and/or profit charges that may be imposed by Bank Islam from time to time for the use of Internet Banking Services and/or any of its Banking Services;
      2. 12.5.2 The Customer’s relevant Account(s) is/are to be made subject to any legal process or other otherwise claim restricting such transactions or where the same is/are otherwise frozen, closed or suspended for any reason whatsoever;
      3. 12.5.3 The Payee Corporation(s) do/does not process the Customer’s Payment promptly and/or correctly;
      4. 12.5.4 The Customer has provided Bank Islam with inaccurate or incomplete Instructions or information relating to, among others, the amount(s) to be paid or transferred and the details of the beneficiary Account(s) or Payee Corporation(s) to which such monies are to be transferred or paid to; or the status of the beneficiary account is invalid and/or is covered under Clause 12.5.2;
      5. 12.5.5 There is an error in the information or Instructions given by the Customer, during the course of transmission through Internet Banking Services;
      6. 12.5.6 The Customer fails, neglects, omits or otherwise choose not to follow the latest or current instruction, procedures and directions for using Internet Banking Services or the particular Banking Services offered thereunder; or
      7. 12.5.7 Bank Islam knows or has reasons to believe that a fraud, criminal act, offence, or violation of any law or regulation has been or will be committed.
    6. 12.6 Where it is found that the Customer has insufficient funds or an insufficient credit limit for the transactions, the Customer acknowledge that Bank Islam may, at its sole right and discretion and without notice, reserve the transaction or offset the shortage with funds from any other Account(s) the Customer may have with Bank Islam.
    7. 12.7 The Customer may cancel the Transfer or Payment service pursuant to Clause 21 herein. Any unprocessed Transfers or Payments will be cancelled on the Business day the Customer’s cancellation request is received. If the Customer closes any relevant Account pertaining to any such Transfers or Payments, any unprocessed Transfers or Payments scheduled from that Account or to be paid into that Account will also be cancelled on the day that Account is closed.
    8. 12.8 In making payment under Bill Presentment service Customer;
      1. 12.8.1 expressly consent to the relevant Biller providing or making available to Bank Islam the Bill(s) and the details and information therein;
      2. 12.8.2 expressly consent to Bank Islam’s utilization of the details and information of the Bill(s) in the provision of the Bill Presentment service and to the same being accessible by Bank Islam and its Affiliates and sub-contractors who are involved in the provision of the Bill Presentment service;
      3. 12.8.3 undertake that Customer have all necessary rights and consents to access and view the Bill(s) and all details therein and where applicable make payment in relation thereto;
      4. 12.8.4 undertake that Customer have all necessary rights and authorisations to provide the consents stipulated in 12.8.1 and 12.8.2 above.
      5. 12.8.5 Under Bill Presentment service, Customer acknowledges that any Bill viewing and/or payments made by Customer based on the Bill Presentment will be made under Bank Islam Internet Banking and subject to the Terms and Conditions herein.
  13. 13. Customer’s Responsibilities for Security
    1. To prevent unauthorised access and to ensure only the Customer can access and using the services, the Customer should adhere to the following security procedures at all times:
      1. 13.1 The Customer agrees and acknowledges that the Customer shall at all times keep the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID and shall not share or disclose the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID to any person whatsoever, including any officers of Bank Islam.
      2. 13.2 The Customer shall, at all times, observe all security measures as may be prescribed by Bank Islam in relation to Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID and further, the Customer shall take all reasonable precautions necessary to ensure that no other persons have or will be granted access to the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID and such precautions may include, among others, immediately memorising the ATM PIN, Password, Secure Code, IAC and User ID and destroying any envelope or document on which it is stated (if any), not retaining the ATM PIN, Password, Secure Code, IAC and User ID in any form except in memory, not leaving the computer or any devices unattended whilst accessing Internet Banking Services and ensuring that others do not see the Customer entering of the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID upon access to Internet Banking Services as well as ensuring the Customer properly log off from Internet Banking Services upon completion of the Customer’s use thereto.
      3. 13.3 The Customer agrees that the Customer shall, at all times, be responsible for all access and/or use of Internet Banking Services made via the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID whether it was in fact made by the Customer or by any other person(s) purporting to be the Customer.
      4. 13.4 If the Customer discover or have reasonable grounds to believe that the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC or User ID has been compromised in any way and/or the Customer have received any statement, data or information which indicates that an unauthorised transaction has taken place or is otherwise not intended for the Customer, the Customer shall immediately notify Bank Islam or Bank Islam Contact Centre specified in Clause 28.1 and/or in accordance with such terms, conditions and/or procedures as may be stipulated by Bank Islam from time to time. For the avoidance of doubt, all telephone calls made to Bank Islam's Contact Centre shall be logged by Bank Islam.
      5. 13.5 Subject to Clause 13.7 below, until Bank Islam receives and logs such notification under Clause 13.4 above, the Customer shall be liable for all such transactions, which are conducted through Internet Banking Services, whether or not the same were conducted or authorised by the Customer. For the avoidance of doubt, the Customer shall be liable for all such transactions conducted through Internet Banking Services up to the point of time notification is made and logged pursuant to Clause 13.4 above, or otherwise, up to the point of time notification is supposed to be made, which for the avoidance of doubt, is immediately upon the Customer discovering or having reasonable grounds to believe that the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID has been compromised in any way and/or the Customer have received any statement, data or information which indicates that an unauthorised transaction has taken place or is otherwise not intended for the Customer. Where such notification is delayed for any reason, the Customer shall, in addition to being liable for all transactions conducted up to the above referred point in time, be liable for the actual Loss which occurred after the said point in time, until the actual notification made by the Customer is received and logged by Bank Islam subject to Clause 13.8 below.
      6. 13.6 Upon Bank Islam's receipt of the Customer’s notification made pursuant to Clause 13.4 above, the Customer agrees and acknowledges that Bank Islam may, at its sole right and discretion, suspend the Customer’s access to Internet Banking Services until a new Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID (as the case may be) is issued or applied for and/or such reported/unreported discrepancies are resolved by Bank Islam.
      7. 13.7 Notwithstanding anything contained herein and for the avoidance of doubt, where the unauthorised use of the Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID is due to the Customer’s actions, fraud, disclosure, abuse or misuse, which are deliberate, the Customer shall be liable for such use even if a notification is made pursuant to Clause 13.4 above.
      8. 13.8 Further and notwithstanding Clause 13.5 above, where the Customer has contributed to a Loss resulting from an unauthorised transaction by delaying notification under Clause 13.4 above, the Customer shall, subject to Clause 13.7, be liable for the actual Loss which occurred during the period of such delay, except for:-
        1. 13.8.1 That portion of the Loss incurred on any one day which exceeds the daily transaction limit applicable to the relevant Account; or
        2. 13.8.2 That portion of the total Loss incurred which exceeds the amount of funds standing in the Customer’s Account
      9. 13.9 In addition, the Customer is responsible for the Customer’s own personal computer’s or electronic device’s anti-virus and security measures to prevent unauthorised access to the Customer’s transactions and accounts via the service. The Customer shall comply with any other security rules prescribed by Bank Islam from time to time whether in the Website, under any other Terms and Conditions with Bank Islam, or otherwise notified to the Customer by Bank Islam in any way.
      10. 13.10 The Customer is also responsible to log in to the correct URL for Internet Banking Services.
      11. 13.11 The Customer is also responsible to verify the Private Image and the Private Word rendered on the page. The Customer should only proceed to key-in their Password if the Private Image and the Private Word are the same as their selected Private Image and Private Word. If the rendered Private Image and Private Word are not the same or not available, the Customer should not proceed and immediately notify Bank Islam via Bank Islam Contact Centre specified in Clause 28.1.
      12. 13.12 The Customer is also responsible not to utilize Internet Banking Services through internet cafes or any public places offering internet services and the Customer is to log off from Internet Banking Services before leaving the computer terminal.
      13. 13.13 The Customer is also responsible to immediately call Bank Islam’s Contact Center specified in Clause 28.1 when the Customer lost the Customer’s computer, laptop or device used to access Internet Banking Services.
      14. 13.14 The Customer is also advised to periodically check their account(s) balances at appropriate length of time subsequent to the transaction performed and to let Bank Islam knows of any irregularity or errors. Should there be any unauthorised transactions or unauthorised access suspected, the Customer must immediately call Bank Islam’s Contact Center as specified in Clause 28.1 herein.
      15. 13.15 The Customer is also advised to read and understand the FAQ before attempting to use Internet Banking Services and not to carry out any Instructions or utilize Internet Banking Services in the presence of any other person.
  14. 14. Customer's Confidentiality
    1. 14.1 The Customer hereby acknowledges the strict requirement of confidentiality and obligations imposed upon Bank Islam under the Islamic Financial Services Act 2013 and undertake not to do or cause to be done any act or omission which may cause Bank Islam to breach its strict duty of confidentiality and obligations as aforesaid. The obligations on the Customer herein shall survive the termination and/or expiry of the Terms and Conditions herein.
    2. 14.2 The Customer undertakes to observe all security measures prescribed by Bank Islam concerning the Customer’s Card Number, ATM PIN, Password Secure Code, IAC and User ID or generally in respect of the use of the Internet Banking Services.
    3. 14.3 Should the Customer received any data and information through Bank Islam's Internet Banking Services which is not intended for the Customer, Customer shall immediately notify Bank Islam via Bank Islam Contact Centre specified in Clause 28.1 herein immediately and in any case not later than 12 hours thereof.
  15. 15. Exclusion of Liabilities
    1. 15.1 Bank Islam shall use all reasonable efforts to ensure the operation and provision of Internet Banking Services and the Banking Services. However, Customer agrees and acknowledges that Bank Islam does not make any warranties or representations of any kind whatsoever with respect to Internet Banking Services and the Banking Services provided by Bank Islam, the and/or its subsidiaries, affiliates and business partners whether express or implied and subject to Clause 15.6, shall not be responsible or liable for any Loss whatsoever howsoever arising whether in tort, contract or indemnity, in relation to the provision of Internet Banking Services and the Banking Services whether suffered by Customer or any other person with the exception of Losses which, subject to Clause 7.8, are caused by the fraudulent or gross negligent conduct of Bank Islam’s officers.
    2. 15.2 Without limiting the generality of Clause 15.1 above, Bank Islam shall not be liable for any Loss caused by or arising from one or more of the following events or matters howsoever caused or incurring:-
      1. 15.2.1 Any malfunction, defect in and/or any breakdown, disruption or failure of any telecommunications, computer, terminal, server or other device or system whether or not owned, operated or maintained by Customer, Bank Islam or any other person, including but not limited to the failure of any such equipment or system to accept, recognise or process any Card Number, ATM PIN, Password, Secure Code, IAC, User ID or Instruction;
      2. 15.2.2 Any malfunction, breakdown, disruption and/or unavailability of Internet Banking Services or any portion thereof, howsoever arising;
      3. 15.2.3 Any of the Banking Services not being accessible, available or functioning;
      4. 15.2.4 Any failure or delay caused by Customer’s internet browser, operating system, personal computer, electronic device or other software, computer virus or related problems;
      5. 15.2.5 The corruption, destruction, alteration, loss of or error in Customer’s Instructions or any data or information in the course of transmission through Internet Banking Services;
      6. 15.2.6 Any intrusion, interference or attack by any person, virus, trojan horse, worms, macros, malicious programs or other harmful components or deleterious programs or files;
      7. 15.2.7 Any use of Internet Banking Services on a jail- broken or rooted device as set out in Clause 4.10 above;
      8. 15.2.8 Any loss, theft or unauthorised use of Customer’s Card Number, ATM PIN, Password, Secure Code, IAC, and User ID;
      9. 16.2.8 Any loss, theft or unauthorised use of Customer’s ATM PIN, Password, IAC, User ID;
      10. 15.2.9 Any remote interception as a result of a malicious program stored in any telecommunications, computer or any other devices whether or not owned, operated or maintained by Customer;
      11. 15.2.10 Any purported access to and use of Internet Banking Services and/or the Banking Service(s), Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID as well as any other software or hardware provided by Bank Islam to the Customer, if any;
      12. 15.2.11 Any malfunction or breakdown in the software or hardware provided by the Bank to Customer, if any;
      13. 15.2.12 Any unauthorised access and/or use of Internet Banking Services and the Banking Services by any person, whether remotely performed or otherwise;
      14. 15.2.13 Any prohibition, suspension, delay or restriction of the Customer’s access to Internet Banking Services by the laws and regulations of any country from which Customer access Internet Banking Services;
      15. 15.2.14 Any prohibition, suspension, delay or restriction of the Customer’s access to Internet Banking Services caused by, relating to or in connection with Customer’s Network Service Provider;
      16. 15.2.15 Any inaccuracy or incompleteness of information, data or Instructions given by the Customer in relation to any transactions or the performance of any transactions or otherwise in relation to the provision of any of the Banking Services;
      17. 15.2.16 Customer’s failure, neglect or omission to maintain sufficient funds in the relevant Account(s) to perform any of Customer’s Instructions;
      18. 15.2.17 Customer’s inability to perform any transactions due to limits set by Bank Islam from time to time;
      19. 15.2.18 Customer’s failure, neglect or omission to act in accordance with these Terms and Conditions and any other rules, regulations, policies and guidelines currently in force;
      20. 15.2.19 Any delay in the delivery or non-delivery or any documents or materials, whatsoever, under these Terms and Conditions;
      21. 15.2.20 Any event, the occurrence of which is beyond Bank Islam’s reasonable control, including but not limited to fire, earthquake, flood, lightning, riots, strikes, lockouts, government action, war, disruption of electrical or power supply; or
      22. 15.2.21 Any Loss which is caused by third parties.
    3. 15.3 While Bank Islam shall make reasonable efforts to ensure that the product information, Fees and Charges, and rates on their website are accurate and current, there may be instances where inaccurate or incomplete information, Fees and Charges, or rate is inadvertently displayed. In the event such information, Fees and Charges, or rate is incorrect or incomplete, Bank Islam shall have the right at their sole and absolute discretion, to refuse, avoid, nullify and/or cancel any Instructions placed and or any transaction effected under the Account, Banking Services and any other transactions effected due to, arising from or as a consequence of the inaccurate or incomplete information. Bank Islam assumes no responsibility for any error or omission in the content of the said website, and expressly disclaims liability for any losses incurred due to such errors, inaccuracy misstatements or omissions.
    4. 15.4 So long as Bank Islam acts in good faith in acting upon or carrying out any Instructions, Bank Islam shall neither be responsible nor liable to Customer in any respect for any Loss caused by or arising from Bank Islam’s execution or implementation of such Instructions or any matter arising therefrom.
    5. 15.5 Without prejudice to the generality of the foregoing and notwithstanding any provision to the contrary in these Terms and Conditions or in any other terms and conditions between Bank Islam and Customer, Bank Islam shall not in any event be responsible or liable to Customer for any indirect or consequential Loss, or for punitive damages, whether arising from any breach of Bank Islam’s obligations to Customer or otherwise.
    6. 15.6 Where Bank Islam:
      1. 15.6.1 fails to observe the procedures on complaints and investigation as set out in Clause 28; and
      2. 15.6.2 such failure:
        1. 15.6.2.1 is caused by the fraudulent or gross negligent conduct of Bank Islam’s officers; and
        2. 15.6.2.2 prejudiced the outcome of the complaint or resulted in delay in its resolution,


      Bank Islam may, subject to Clause 13.5, 13.7 and 13.8, be liable to Customer up to the full amount of the particular transaction which is the subject of complaint.
  16. 16. Proprietary Rights
    1. 16.1 The Customer acknowledge that all proprietary rights (including without limitation title, pattern rights and copy rights) in the Internet Banking Services shall at all times vest and remain vested with Bank Islam.

  17. 17. Fees and Charges
    1. 17.1 Customer shall pay any fees, commission and charges (“Fees and Charges”), all levies and taxes including service tax or GST (“Taxes” which expression includes any penalties payable thereunder) in respect of such Banking Services under or otherwise howsoever relating to Customer’s Account. Customer shall pay to Bank Islam all fees, commissions and any other relevant charges at such rates and in such manner as Bank Islam may impose and/or stipulate from time to time with respect to Internet Banking Services and/or any of the Banking Service(s) provided thereunder.
    2. 17.2 Bank Islam may inform Customer of:-
      1. 17.2.1 Such Fees and Charges and/or any variations thereof by giving twenty one (21) days prior notice in writing or in any manner deemed applicable by Bank Islam.
      2. 17.2.2 Such taxes (including service tax or GST) in any manner deemed applicable by Bank Islam.


      Should Customer disagrees with the imposition of such Fees and Charges or Taxes and/or variations thereof, Customer shall cease to use Internet Banking Services or the particular Banking Services to which such Fees and Charges or Taxes relate to. Customer’s continued use and access of Internet Banking Services or the particular Banking Service to which such Fees & Charges, Taxes and/or variations relate to shall be deemed as Customer’s Terms and Conditions and binding acceptance of the same.
    3. 17.3 Customer agrees and acknowledges that Bank Islam reserves the right to debit Customer’s relevant Account for the payment of any Fees and Charges or Taxes and/or penalties imposed pursuant to these Terms and Conditions including any Government charges, stamp duties or taxes (including but not limited to service tax or GST) payable as a result of the use of Internet Banking Services and the Banking Services provided thereunder.
    4. 17.4 Customer agree and acknowledge that all fees, charges, taxes and duties including but not limited to telephone and telecommunication charges, relating to Customer’s access and connection to Internet Banking Services including any Fees and Charges imposed by any Network Service Provider shall be borne solely by Customer, and Bank Islam shall neither be responsible nor liable in relation thereto. Customers may refer to Bank Islam’s website for full fee and charges.
  18. 18. GOODS AND SERVICES TAX (“GST”)
    1. In this Clause:-
    2. 18.1 “GST Act” refers to the Goods and Services Tax Act 2014 and shall include any by-laws, instruments, orders, rules and regulations made thereunder.
    3. 18.2 Any words and expressions which have a defined meaning in the GST Act shall have the same meaning as the GST Act.
    4. 18.3 This Clause shall only apply upon the implementation date of the GST Act in Malaysia. It is acknowledged and agreed that this Clause may be subsequently revised by Bank Islam to be in compliance with the prevailing GST Act at the material time
    5. 18.4 Unless otherwise expressly specified in these Terms and Conditions any sum payable to Bank Islam, being the consideration under or in connection with these Terms and Conditions, is exclusive of GST (“GST – exclusive consideration”).
    6. 18.5 The consideration for such taxable supply shall be increased by an amount calculated as follows:-
      A x R
      Where:
      A is the consideration payable for the taxable supply : and
      R is the applicable rate of GST prevailing at the time of supply
      (hereinafter referred to as the “GST Amount”)
    7. 18.6 If an adjustment arises in connection with any taxable supply made or deemed to be made under or in connection with this document / Terms and Conditions, the GST Amount payable for such taxable supply will be recalculated to reflect the adjustment event and the payment for the difference thereof will be made to Bank Islam or by Bank Islam, as the case may be.
  19. 19. International Use
    1. 19.1 The use of the Internet Banking Services outside of Malaysia is subject to the Foreign Exchange Administration Rules of Bank Negara Malaysia or any fiscal or exchange control requirements operating in the country where the transaction is effected or requested; and the laws and regulations of Malaysia and the country where the transaction is effected or requested.
    2. 19.2 The maximum amount of transaction and the purpose for which it is effected may be determined by Bank Negara Malaysia and the laws and regulations of the country in which the transaction is effected or requested.
    3. 19.3 The Customer hereby agree that they are using the Internet Banking Services at own initiative and are responsible for Customer compliance with local laws.
  20. 20. General
    1. 20.1 The Customer hereby agrees that Bank Islam's record and any records of the Instructions, communications, operations or transactions made or performed, processed or effected through Bank Islam's Internet Banking Services by Customer or a person purporting to be the Customer with or without the Customer consent or any record of transaction relating to the operation of any of Bank Islam's Internet Banking Services shall be binding and conclusive evidence of the transaction and the Customer liability to Bank Islam.
    2. 20.2 The Customer agrees that Bank Islam has the sole and absolute right to require the Customer to maintain a minimum balance at any one time in the Customer's Account(s). The Customer failure to maintain such minimum balance as required by Bank Islam could, at Bank Islam's discretion, result in a penalty being imposed against the Customer or lead to a suspension or termination of the Internet Banking Services.
    3. 20.3 Any Instructions transmitted by the Customer after the relevant cut-off time on any day will be posted in the books and records of Bank Islam on or for the next business day following the date of instruction.
    4. 20.4 The Customer shall not be entitled to use the Internet Banking Services, if there exists any restrictions whatsoever on the Customer Account(s) either imposed by Bank Islam or by the relevant authorities.
  21. 21. Termination of Services
    1. 21.1 Subject to Clause 21.3, Customer agrees and acknowledges that Bank Islam reserves the sole right and discretion to suspend, terminate or restrict Customer’s access to Internet Banking Services or any part thereof for any reason, by giving seven (7) days prior notice to Customer and without any liability whatsoever to Customer or any other third party for doing so.
    2. 21.2 Notwithstanding the generality of Clause 21.1, Bank Islam may terminate, suspend or restrict Customer’s access to Internet Banking Services immediately upon giving Customer notice, if:-
      1. 21.2.1 Customer ceases to maintain any Account(s) with Bank Islam which can be accessed via Internet Banking Services;
      2. 21.2.2 Customer breaches any term, condition or provision of these Terms and Conditions or laid down by any legal, regulatory or other authority or body relevant hereto;
      3. 21.2.3 If Customer fails to pay any charges Fees or Charges or Taxes when due;
      4. 21.2.4 If Customer has provided Bank Islam with false or incomplete information for Customer’s access to or use of Internet Banking Services;
      5. 21.2.5 If Customer becomes, threatens or resolves to become or is in jeopardy of becoming subject to any form of insolvency administration;
      6. 21.2.6 If, in Bank Islam’s opinion, it is in the public interest to do so;
      7. 21.2.7 If, in Bank Islam’s opinion, it is required to facilitate investigation on matters pertaining to suspected fraudulent or unauthorized usage; or
      8. 21.2.8 If Bank Islam is notified and requested by any authority, including but not limited to Bank Negara Malaysia, the Royal Malaysia Police, the Government of Malaysia or any other statutory or governmental authorities (“the relevant authorities”) to terminate, suspend or restrict Customer’s access to Internet Banking Services regardless of whether the relevant authorities have the legal or valid authority to request Bank Islam.
    3. 21.3 Customer may terminate Customer’s access to and use of Internet Banking Services or any particular Banking Services at any time, by giving at least seven (7) days prior written notice to Bank Islam. The notification will not be effective until Bank Islam has received Customer’s notice, acknowledges it and proceeds to terminate Customer’s access to and use of Internet Banking Services or the relevant portions thereof.
    4. 21.4 Customer agrees and acknowledges that termination does not affect Customer’s liability or obligations in respect of Instructions received by Bank Islam prior to such termination that have been processed or are being processed by Bank Islam.
    5. 21.5 Customer further agrees and acknowledges that where an Instruction was received by Bank Islam prior to such termination herein but has not been processed, and Customer’s access to Internet Banking Services is thereafter terminated, Customer shall neither hold Bank Islam responsible nor liable for any failure to process the said Instruction.
    6. 21.6 Any rights and obligations under these Terms and Conditions shall survive the termination of these Terms and Conditions, shall continue to be in full force and effect thereafter.
  22. 22. Indemnity
    1. 22.1 In addition and without prejudice to any other right or remedy of Bank Islam, whether under these Terms and Conditions or otherwise, Customer shall indemnify and hold Bank Islam harmless at all times from and against any and all Loss suffered or incurred by Bank Islam as a result of any of the following:-
      1. 22.1.1 Any failure by Customer to comply with any of the terms and conditions herein contained; and/or
      2. 22.1.2 Bank Islam acting in accordance with any Instructions or in any manner pursuant to these Terms and Conditions.
    2. 22.2 Customer agrees and acknowledges that Customer’s obligation to indemnify Bank Islam herein shall survive the termination of these Terms and Conditions or Internet Banking Services.
    3. 22.3 Customer shall indemnify and hold Bank Islam harmless at all times from and against any and all Fees and Charges or Taxes payable by Customer pursuant to these Terms and Conditions and Customer irrevocably authorise Bank Islam to debit any of Customer’s Accounts for the payment of such Fees and Charges or Taxes.
  23. 23. Waiver
    1. 23.1 The failure or delay on the part of Bank Islam in exercising any right, power, privilege or remedy under these Terms and Conditions upon any default on the Customer’s part shall not impair any such right, power, privilege or remedy or be construed as a waiver thereof or any acquiescence in such default. No waiver shall be valid unless made in writing by Bank Islam. Any waiver by Bank Islam shall not operate as a waiver of any subsequent default by the Customer.
  24. 24. Severability
    1. 24.1 If any provision of these Terms and Conditions is held to be illegal, invalid or unenforceable under present or future laws, such provision shall be fully severable and these Terms and Conditions shall be construed and enforced as if such illegal, invalid or unenforceable provision had never comprised a part hereof and the remaining provision shall remain in full force and effect and shall not be affected by the illegal, invalid or unenforceable provision or by its severance here from.
  25. 25. Variations of Terms and Conditions
    1. 25.1 Bank Islam reserves the right to add, amend, delete or vary any of these terms and conditions by way of notice as deemed suitable by Bank Islam from time to time but Bank Islam will, subject to Clause 25.5, give at least twenty one (21) days notice of any such additional or amended terms and conditions.
    2. 25.2 Such notice may be provided to the Customer either in writing addressed to the last address given by the Customer to Bank Islam or in the form of a notice displayed at Bank Islam’s branches or in the form of a notice displayed on the screen when accessing Internet Banking Services or in such other manner as may be prescribed by Bank Islam from time to time.
    3. 25.3 Notwithstanding the same, the Customer should be able to view the revised Terms and Conditions upon access to the Internet Banking Services.
    4. 25.4 If the Customer continues to use Internet Banking Services after the effective date of any additional or amended terms and conditions, or where no effective date is specified, after a period of twenty one (21) days upon their receipt of such notice, whether actual or deemed in accordance with Clause 28.1, then the Customer shall be deemed to have accepted such additional or amended terms and conditions and agreed to be bound by them.
    5. 25.5 The Customer agrees and acknowledges that where the changes or amendments made are necessitated by an immediate need to restore or maintain the security of a transaction of the Customer’s Account, Bank Islam may proceed with making such changes and amendments without notice to the Customer.
  26. 26. Successors Bound
    1. 26.1 The Terms and Conditions herein shall be binding upon the heirs personal representatives executors and successors in title or the Customer and on the successors in title, assigns of Bank Islam or of any company by which the business of Bank Islam may from the time being be carried on, and the Customer shall not be entitled to assign any of the Customer's rights or obligations under the Terms and Conditions herein unless with the express prior written consent of Bank Islam.
  27. 27. Evidence
    1. 27.1 The Customer agrees and acknowledges not to dispute the validity, accuracy or authenticity of any evidence of their Instructions and/or communications transmitted between Bank Islam and the Customer, including but not limited to any evidence in the form of Bank Islam’s computer records which may take the form of, among others, telephone logs, transaction logs, magnetic tapes, cartridges, computer printouts of any communication and any other form of information and data storage, all of which having been produced by Bank Islam’s computers in the course of their ordinary use.
    2. 27.2 Pursuant to Clause 27.1, the Customer further agrees and acknowledges that it shall refer and at all times, treat all of the said computer records of Bank Islam therein as conclusive evidence of their Instructions and/or communications received or sent by Bank Islam.
    3. 27.3 Notwithstanding anything contained in these Terms and Conditions, the Customer agrees and acknowledges that all their said Instructions and/or communications which are sent to Bank Islam and meet the operating standards and requirements of Bank Islam shall be deemed to be as good as, and given the same effect as, written and/or signed documentary communications.
  28. 28. Dispute and Enquiries
    1. 28.1 Should there be any enquiries or require any assistance, please refer to Bank Islam Contact Center at +603 2690 0900 or email at contactcenter@bankislam.com.my. For the avoidance of doubt, all telephone calls made to Bank Islam Contact Centre shall be logged by Bank Islam. In addition, the Customer is advised to read Bank Islam’s Privacy Statement and Client Charter in this website.
    2. 28.2 In the event that the Customer has any complaints and/or disputes arising from the Internet Banking Services and these Terms and Conditions, please refer the matter to Bank Islam at the address stated in Clause 29.2 below and specifying the nature of the Customer’s complaint and/or dispute. The parties hereby agree to try to settle the matter amicably.
    3. 28.3 Subject to Clause 28.4, Customer may be required to disclose to Bank Islam all relevant information relating to any report, query or complaint including but not limited to Customer’s name, the relevant Account(s) number(s), a description of any such error, query or complaint, date of the disputed transaction or error, an explanation on why Customer believe it to be an error or why Customer require more information and the amount(s) involved in the suspected error disputed transaction, query or complaint, as maybe relevant. Notwithstanding this, Customer shall not, at any time and under any circumstances whatsoever, disclose Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and User ID to any of Bank Islam staff or representative.
    4. 28.4 Where any communication involves Customer’s sensitive or confidential information whether in relation to Customer’s Account(s) or any transactions made in relation thereto or otherwise, Bank Islam does not encourage the communication of any such information via electronic-mail ("e-mail") (not being Secure Messaging) and Customer agrees and acknowledges that should Customer proceed with such mode of communication in relation to such information, Customer shall undertake all inherent risks associated with such mode of communication and shall not, at any time whatsoever, hold Bank Islam responsible or liable for the security of such information or any Loss suffered in relation thereto.
    5. 28.5 In the event that Bank Islam requests Customer to make such report, complaint or query in writing to Bank Islam, Customer shall do so within seven (7) days thereafter. If no such written report, complaint or query is received by Bank Islam within the said period, Bank Islam will not be under an obligation to conduct any investigation and answer any such query or complaint.
    6. 28.6 Subject to Clause 28.7, Bank Islam shall endeavour to investigate the complaint, answer the query or inform Customer of the results of its investigation as soon as practicable or in any case within fourteen (14) days of receipt of such report, query or complaint or where a subsequent written report, query or complaint is requested by Bank Islam pursuant to Clause 28.5, within fourteen (14) days of receipt of such subsequent written report, query or complaint.
    7. 28.7 If Bank Islam requires more time to conduct its investigation, Bank Islam shall extend the period stated in Clause 28.6 above to such reasonable period as it deems necessary in its sole discretion which shall as far as reasonably possible not exceed thirty (30) days from the date of receipt of such report, query or complaint or where a subsequent written report, query or complaint is requested by Bank Islam pursuant to Clause 28.5, within thirty (30) days of receipt of such subsequent written report, query or complaint.
    8. 28.8 Customer shall as far as possible co-operate and assist Bank Islam in the conduct of its investigations, including allowing Bank Islam and its investigation team to access the device(s) used for the disputed transaction such as the personal computers, laptops, tablets, mobile devices within five (5) Business days from the date Customer reported Customer’s query or complaint to Bank Islam Contact Centre as stated in Clause 28.1.
    9. 28.9 Subject to the provisions of these Terms and Conditions, upon the completion of an investigation, Bank Islam shall make reasonable endeavours to correct any error promptly and to make the necessary adjustments to Customer’s Account(s) and notify Customer of the adjustments made pursuant thereto.
    10. 28.10 In any case, Bank Islam shall inform Customer of the results of the investigation within twenty one (21) days of the completion of Bank Islam's investigations in Clause 28.6 or 28.7, as the case may be.
    11. 28.11 Henceforth, subject to Clause 15, Bank Islam, as the case may be, assures total reimbursement to Customer in the event Customer suffer monetary losses due to direct loss from Customer’s Account arising from Customer’s use of Internet Banking Services and the Banking Services provided always the Losses were due to Bank Islam’s system malfunctioning wherein such malfunctioning will be subject to confirmation by Bank Islam, however, Bank Islam will not be responsible for any Loss due to Customer’s Card Number, ATM PIN, Password, Secure Code, IAC and/or User ID being stolen as it is Customer’s first and foremost responsibility to keep Customer’s information safe at all times.
    12. 28.12 Where Customer is not satisfied with the outcome of the investigation or of Customer’s complaint, Customer may appeal against such outcome by referring such complaint to the Ombudsman for Financial Services.
  29. 29. Notices
    1. 29.1 The Customer hereby consents to all notices and other communications which concern the Internet Banking Services or are required under these Terms and Conditions or may be given by Bank Islam in any on one of the following manners:-
      1. 29.1.1 By ordinary post to the Customer last known address in Bank Islam's records and such notification shall be deemed received two (2) days after posting.
      2. 29.1.2 By electronic mail to the Customer’s last known e-mail address in Bank Islam's records and such notification shall be deemed received twenty four (24) hours after sending.
      3. 29.1.3 By being displayed in Bank Islam premises and such notification shall be deemed effective upon such display.
      4. 29.1.4 By way of advertisement made once in any national newspaper and such notification shall be deemed effective on the date of publication of the advertisement in any such newspaper.
      5. 29.1.5 By inserting a notice in Bank Islam's Statement of Account to the Customer and such notification shall be deemed effective two (2) days after the date of posting of the notice contained in the Statement of Account to the Customer.
      6. 29.1.6 Broadcasting a message on Bank Islam Internet Banking website.
      7. 29.1.7 If notified to the Customer in any other manner as Bank Islam deems fit.
    2. 29.2 All notices to Bank Islam concerning the Internet Banking Services and these Terms and Conditions shall be in writing, signed by the Customer and sent to Bank Islam at the following address or in such other way as Bank Islam may notify the Customer from time to time:

      Bank Islam Malaysia Berhad
      eChannels Department, Operations
      18th Floor, Menara Bank Islam
      No 22 Jalan Perak
      50450 Kuala Lumpur
      Telephone: +603 2690 0900
      Fax: +603 2781 1337
      email: contactcenter@bankislam.com.my
  30. 30. Law and Jurisdiction
    1. 30.1 These Terms and Conditions shall be governed by and construed in accordance with the Laws of Malaysia. Any dispute arising in respect of the Internet Banking Services and these Terms and Conditions, which cannot be resolved in the manner specified in Clause 28 above, shall be referred to the Courts of Malaysia situated in Kuala Lumpur.
I have read and understood the above Terms and Conditions. I fully and unconditionally understand and acknowledge that by registering and using the service. I indicate my acceptance and agreement, (which indication shall be equivalent to me appending my signature to a paper based agreement), to be bound by the above Terms and Conditions.