User Guide - Baiduri Bank

Transcription

CONTENTS
Welcome
1. Login
1.1
1.2
Page 4
Page 5
Page 5
Page 6
Login with Mobile Authentication
Login with Token Authentication
2. Forgot Password
Page 7
3. Account Information
3.1
Viewing Recent Transactions
3.2
Download as PDF
3.3
Download as CSV
3.4
Pay Credit Card
3.5
Setup Standing Instruction for Credit Card
3.6
To View Credit Card Transaction Details
3.7
Apply 0% Instalment for Credit Card
3.8
MasterCard CashCard Top Up
3.9
Hire Purchase
i.
Pay Monthly Installment
ii.
Pay Outstanding
iii.
To view Hire Purchase Account Details
iv.
To Request Quote for Insurance and Roadtax
Page 10
Page 11
Page 12
Page 13
Page 14
Page 14
Page 15
Page 17
Page 18
Page 18
Page 19
Page 23
Page 27
Page 28
4. Funds Transfer
4.1
Funds Transfer Within Baiduri
4.2
Funds Transfer To Another Local Bank
4.3
Funds Transfer To An Abroad Bank
Page 30
Page 30
Page 35
Page 39
5. Bill Payment Service
Page 44
6. Multiple Transactions
Page 48
7. MasterCard CashCard Top-Up
Page 54
8. Prepaid Top-Up
Page 58
9. Customer Service
9.1
Cheque Book Request
9.2
Currency Exchange Rates
9.3
Interest Rates
Page 61
Page 61
Page 63
Page 64
10. Account Maintenance
Page 65
11. User Administration
11.1 Change User ID
11.2 Change Password
11.3 Change Online Daily Limits
Page 67
Page 67
Page 67
Page 68
2
11.4
11.5
Password Security Set Up
SMS Notification Set Up
Page 68
Page 69
12. Send Email to the Bank
Page 70
13. Logout
Page 71
14. Frequently Asked Questions (FAQ)
Page 72
15. Terms & Conditions
Page 76
16. Disclaimer
Page 82
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WELCOME
As a registered user of Baiduri Personal i-Banking, you would have received the following:
- User ID
- Password
- Token (Upon Request)
It is advisable that you change your User ID and password during your first successful login. You will
also be prompted to set up two online security questions, in the case you have forgotten your
password to login.
Security Features
With our Dual Factor Authentication with mobile phone and/or token, feel secure when you login with
a User ID and password, and perform transactions for Fund Transfers (local and abroad), MasterCard
CashCard Top-Up, Prepaid Card Purchases and when adding a new beneficiary prior to making bill
payments.
Login Alerts
When you login to i-Banking, you will receive a notification via SMS with details of your login activity.
Browser Timeout
If there is no activity for a period of 3 minutes, an alert message will prompt asking you if you wish to
continue your session.
Session Timeout
Your i-Banking sessions will automatically be logged out if there is no activity for a period of 12
minutes. To resume, simply login again.
Need Help?
Contact E-Banking Centre at 2449666 or email [email protected] if:
- You need any assistance with Personal i-Banking
- You have enquiries or problems with the service
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1. LOGIN
Step 1 Key in your User ID and Password.
Step 2 Select Mobile Authentication or Token Authentication.
Step 3 Click Login.
Please note that your access will be blocked after 5 unsuccessful consecutive login attempts. If your
access has been blocked, please contact E-Banking Centre at 2449666 or email
[email protected] for assistance.
1.1
Login With Mobile Authentication
Step 1 You will receive a call on your mobile phone from 2269000. Answer the call.
Step 2 On the mobile phone, key in the One-Time PIN (OTP) shown on the i-Banking screen.
5
1.2
Login with Token Authentication
Step 1 Press the button on your Token once to generate a 6-digit One-Time PIN (OTP).
Step 2 Enter OTP and click Submit.
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2. FORGOT PASSWORD
If your Password Security Questions have been set up, you will be able to perform an online
password reset, in the event that you have forgotten your password. On the main Personal i-Banking
Login page, click on Forgot Password.
Step 1 Click on Forgot Password.
Step 2 Enter your User ID, IC/Passport No, CIF No, choose your Authentication Type and click
Submit.
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Step 3 Answer your selected Security Question which you have previously set up upon your first time
login into Personal i-Banking and depending on which Authentication Type you have chosen
previously, follow the instructions below:
I.
Mobile Authentication
After clicking Verify, you will receive a call on your mobile phone from 2269000. Answer
the call. On your mobile phone, key in the One-Time PIN (OTP) shown on the
i-Banking screen.
II.
Token Authentication
Press the button on your Token once to generate a 6-digit One-Time PIN (OTP).
Enter OTP and click Verify.
Please note that your access to reset your password will be disabled after 3 consecutive
unsuccessful attempts respectively for steps 2 and 3. Please contact E-Banking centre for further
assistance.
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Step 4 Enter your new password, and click Change Password. You may now login using your new
password.
9
3. ACCOUNT INFORMATION
This page displays a summary of all your accounts, including Overdrafts, Loans, Consumer Good
Finances, Credit Cards, MasterCard CashCard and Hire Purchase.
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3.1
Viewing Recent Transactions
Click on an account number to view transaction details. A breakdown of the transactions in the last 7
days will be displayed. You can also view your transaction details for the last 1, 3, 6 and 12 months,
or specify a date range.
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3.2 Download as PDF
You can download your transaction details in PDF format, which resembles a paper statement.
12
3.3 Download as CSV
Your transaction details can also be downloaded in CSV format, which enables you to easily import
the data into your accounting software or spreadsheet.
13
3.4 Pay Credit Card
If you have a credit card linked to your Personal i-Banking, you can see the summary details of your
card(s) under the Account Information page. You can choose to click on Pay Credit Card to make
payment to your card(s), which will direct you to the Bill Payment service page. Please refer to
Section 5 of this guide for detailed information on how to make a bill payment.
3.5 Setup Standing Instruction for Credit Card
Click on Setup SI to proceed for application for Standing Instruction of your chosen credit card in the
Credit Card Summary Table.
Payment amount will be in % if Other Amount is selected. This % will be set at a minimum of 8% for
all Setup of Standing Instruction for credit cards. If less than the minimum % is keyed in, an error
message will appear.
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3.6 To View Credit Card Transaction Details
By clicking on a credit card number on the Credit Card Summary table under Account Information,
you will be directed to a page which allows you to view the unposted transactions of your card, if any.
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You can also download and view your card statement in PDF format. Click on a card number to view
the transaction details, select a statement date, then click Submit to download and view a card
statement.
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3.7 Apply 0% Instalment for Credit Card
By clicking on a credit card number under the Credit Card Summary table under Account Information,
you will be directed to a page which allows you to view unposted transactions of your card, if any.
From there you can click on Apply to proceed with the application.
The Apply button for applying 0% Instalment for your credit card will only be available if a credit card
has an unposted transaction that is greater than BND300.
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3.8 MasterCard CashCard Top Up
By Clicking on a MasterCard CashCard Number under the MasterCard CashCard Accounts table
under Account Information, you will be directed to a page will allows you to view the unposted
transactions of your card, if any.
Under the MasterCard CashCard Accounts table, you can also choose to top up your card. By clicking
‘Top-Up Card’ you will be directed to the MasterCard CashCard Top Up service page. Please refer to
Section 7 of this guide for more detailed information on how to make a top up for your MasterCard
CashCard.
3.9 Hire Purchase
By clicking on the Hire Purchase Account Number under the HP Account Summary table under
Account Information, you will be directed to a page that allows you to view your Hire Purchase
account and vehicle details.
Under the HP Account Summary table, you can choose to pay your Hire Purchase Account by paying
Monthly Instalment or Outstanding Balance. By clicking either Pay Monthly Installment or Pay
Outstanding you will be directed to the Bill Payment service page.
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i.
To Pay Monthly Instalment
Click on the Pay Monthly Instalment button to proceed to the Bill Payment service page.
Follow the steps below to make payment for Monthly Instalment.
Step 1 From Account
From the drop down list, select the Account Number which will be debited for the payment.
When an account has been selected, the account balance will be displayed below the
Account Number.
Step 2 To Bill Payee
Bill Payee through the Pay Monthly Instalment button will be by default set to Set Up New
Billing if payment for the hire purchase account is made for the first time. Enter the Billing
Description (for your own reference). Billing Organization will be set by default to Baiduri Hire
Purchase and Billing Account Number will also be by default set accordingly to the hire
purchase account chosen to make payment.
Step 3 Amount To Pay
Amount to pay will be by default set to the Monthly Instalment Amount due. However, the
amount to be paid can also be changed. Enter the amount in Brunei Dollar.
Step 4 Payment Description
Enter a payment description for your own reference. This description will appear in the
statement of the account used to make payment.
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Step 5 Authentication Type
Choose your Authentication Type of either Mobile Authentication or Token Authentication.
Step 6 Submit
Click Submit to proceed with the payment or Clear to re-enter the details.
Step 7 Confirmation
After you click Submit, a confirmation page will display the details you have entered. Click
Confirm to proceed with the payment or Back to amend the transaction details.
Depending on the Authentication Type you have chosen previously, you will need to key in a
One-Time PIN (OTP) shown on the i-Banking Screen, to your mobile phone for Mobile
Authentication, or the 6-digit OTP generated from pressing the button on your Token for
Token Authentication:
-
After clicking Confirm you will receive a call on your mobile phone from 2269000.
Answer the call.
On your mobile phone, key in the One-Time PIN (OTP) shown on the i-Banking screen.
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-
Press the button on your Token once to generate a 6-digit One-Time PIN (OTP).
Enter OTP and click Confirm.
Please note that you will only be prompted to enter an OTP when you set up a New
Billing Account prior to confirmation of transaction. You will not be prompted to enter
an OTP for registered Bill Payees prior to confirming a transaction.
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Step 8 Save Transaction
After entering and confirming your One-Time PIN (OTP) a result page will show the status of
the transaction. Click Save Transaction if you wish to save this transaction for future use, or
Next Transaction to make another bill payment.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions dropdown list, located below the main menu. You will then be able to quickly make a similar
transaction in the future.
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ii.
To Pay Outstanding
Click on the Pay Outstanding button to proceed to the Bill Payment service page.
Follow the steps below to make payment for outstanding amount.
Step 1 From Account
From the drop down list, select the Account Number which will be debited for
the payment. When an account has been selected, the account balance will be displayed
below the Account Number.
Bill Payee through the Pay Outstanding button will be by default set to Set Up New Billing if
payment for the hire purchase account is made for the first time. Enter the Billing Description
(for your own reference). Billing Organization will be set by default to Baiduri Hire Purchase
and Billing Account Number will also be by default set accordingly to the hire purchase
account chosen to make payment.
Step 3 Amount To Pay
Amount to pay will be by default set to the outstanding amount due. However, the amount to
be paid can also be changed. Enter the amount in Brunei Dollar.
Payment Description will be by default set as ‘Installment Charges’. This description will
appear in the statement of the account used to make payment.
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Step 6 Submit
Step 7 Confirmation
Confirm to proceed with the payment or Back to amend the transaction details.
One-Time PIN (OTP) shown on the i-Banking Screen, to your mobile phone for Mobile
Authentication, or the 6-digit OTP generated from pressing the button on your Token for
Token Authentication:
-
After clicking Confirm you will receive a call on your mobile phone from 2269000.
Answer the call.
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-
Press the button on your Token once to generate a 6-digit OTP. Enter OTP and click
Confirm.
Please note that you will only be prompted to enter an OTP when you set up a New
Billing Account prior to confirmation of transaction. You will not be prompted to enter
a OTP for registered Bill Payees prior to confirming a transaction.
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the transaction. Click Save Transaction if you wish to save this transaction for future use, or
Next Transaction to make another bill payment.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions dropdown list, located below the main menu. You will then be able to quickly make a similar
transaction in the future.
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iii.
To View Hire Purchase Account Details
Click on a Hire Purchase Account Number to view the Hire Purchase account and vehicle
details.
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iv.
To Request Quote for Roadtax and Insurance
Click on the Request Quote button to proceed to the Roadtax and Insurance Request Quote
application page.
Step 1 Email Address
Enter the Email Address you wish to have your quotation request sent to.
Step 2 Mobile Number
Enter the Mobile Number you wish to be notified about your quotation request.
Step 3 Renew
Click on either Roadtax or Insurance, or both for the kind of request you wish to make.
Step 4 Comments
Enter Comments (if any) in the text field.
Step 5 Submit
Click Submit to proceed with the quotation request or Clear to re-enter the details.
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Step 6 Confirmation
Confirm to proceed with the request or Back to amend the transaction details.
Step 7 Transaction Status
After you click Confirm, a result page will show the status of the transaction.
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4. FUND TRANSFER
The Fund Transfer menu allows you to transfer funds from your Baiduri Bank/Finance Account to
an account:
4.1
-
Within Baiduri Bank
To your own account or to a third party account within Baiduri Bank/Finance
-
Another Local Bank
This is a cashier’s cheque to a bank within Brunei Darussalam
-
An Abroad Bank
This is a telegraphic transfer to a bank outside Brunei Darussalam
Fund Transfer Within Baiduri Bank
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Step 1 From Account
From the drop down list, select the Account Number which you wish to transfer funds from. When an
account has been selected, the account balance will be displayed below the Account Number.
Step 2 To Account
Select a predefined Beneficiary Account from the drop down list or create a New Baiduri Beneficiary
which you would like to transfer funds to.
To create a New Baiduri Beneficiary, enter the 13-digit Beneficiary Account Number and a
Beneficiary Description for your easy reference. After you have completed a fund transfer, the new
beneficiary will be saved automatically and will appear in the To Account drop down list.
Step 3 Amount
Enter the amount (in Brunei Dollar) you wish to transfer. Click on the Currency Converter if you
would like to calculate a conversion of the amount in another currency.
Enter the details of the payment for your own easy reference.
Step 6 Submit
Click Submit to proceed with the transfer or Clear to re-enter the details.
Step 7 Confirmation
After you click Submit, a confirmation page will display the details you have entered. Click Confirm to
proceed with the payment or Back to amend the transaction details.
Depending on the Authentication Type you have chosen previously, you will need to key in a OneTime PIN (OTP) shown on the i-Banking Screen, to your mobile phone for Mobile Authentication, or
the 6-digit OTP generated from pressing the button on your Token for Token Authentication:
31
-
After clicking Confirm you will receive a call on your mobile phone from 2269000. Answer the
call.
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-
Press the button on your Token once to generate a 6-digit OTP.
the transaction.
33
Click Save Transaction if you wish to save this transfer for future use, or Next Transaction to make
another transfer within Baiduri Bank/Finance.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions drop-down list,
located below the main menu. You will then be able to quickly make a similar transaction in the
future.
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4.2
Fund Transfer To Another Local Bank
Step 1 From Account
Step 2 To Beneficiary
Select a predefined Beneficiary Account from the drop down list or create a New Local Bank
Beneficiary which you would like to transfer funds to.
To create a New Local Bank Beneficiary, enter the Beneficiary Description, Beneficiary Bank,
Beneficiary Name and Beneficiary Account Number. After you have completed a fund transfer, the
new beneficiary will be saved automatically and will appear in the To Beneficiary drop down list.
Step 3 Amount
Enter the amount (in Brunei Dollar) you wish to transfer. Click on the Currency Converter if you would
like to calculate a conversion of the amount in another currency.
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Step 5 Tick the check box to accept the Terms and Conditions & Tariff.
There is a cut-off time for transactions to be valued on the same day. Tariff charges apply as per
Terms and Conditions & Tariffs.
Step 7 Submit
Step 8 Confirmation
Depending on the Authentication Type you have chosen previously, you will need to key in a OneTime PIN (OTP) shown on the i-Banking screen, to your mobile phone for Mobile Authentication, or
-
call. On your mobile phone, key in the One-Time PIN (OTP) shown on the i-Banking Screen.
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-
the transaction.
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another transfer to another local bank.
future.
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4.3
Fund Transfer to an abroad bank
Step 1 From Account
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Step 2 To Beneficiary
Select a predefined Beneficiary Account from the drop down list or create a New Local Bank
Beneficiary which you would like to transfer funds to.
To create a New Abroad Bank Beneficiary, enter the Beneficiary Description, Beneficiary Name,
Beneficiary Account Number, Telephone Number, Currency of Remittance, Beneficiary Bank, SWIFT
Code, Branch, Address and Country. After you have completed a fund transfer, the new beneficiary
will be saved automatically and will appear in the To Beneficiary drop down list.
Step 3 Amount
Enter the amount (in the currency you specify) you wish to transfer. Click on the Currency Converter if
you would like to calculate a conversion of the amount in another currency.
Step 5 Remittance Return
Please specify the purpose of the transfer.
Step 6 Tick the check box to accept the Terms and Conditions & Tariff
There is a cut-off time for transactions to be valued on the same day. Tariff charges apply as per
Terms and Conditions & Tariffs.
Step 8 Submit
Step 9 Confirmation
Depending on the Authentication Type you have chosen previously, you will need to key in a OTP
shown on the i-Banking screen, to your mobile phone for Mobile Authentication, or the 6-digit OTP
generated from pressing the button on your Token for Token Authentication:
40
-
call. On your mobile phone, key in the One-Time PIN (OTP) shown on the i-Banking screen.
41
-
42
the transaction.
another transfer to another abroad bank.
future.
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5. BILL PAYMENT SERVICE
The Bill Payment service allows you to make bill payments to Baiduri Credit Cards, Baiduri Finance
Hire Purchase, school fees, phone and utility bills.
Step 1 From Account
From the drop down list, select the Account Number which will be debited for
the payment. When an account has been selected, the account balance will be displayed below the
Account Number.
Select a payment account from the drop down list or set up a New Billing Account.
To set up a New Billing Account, please enter the Billing Description (for your own reference), Billing
Organization and Billing Account Number. After you have completed a bill payment, the new billing
account will be saved automatically and will appear in the To Bill Payee drop down list.
Step 3 Amount to pay
Enter the amount (in Brunei Dollar).
Enter details of the payment for your own reference.
44
Authentication Type will only appear when you add a New Billing Account and later requiring you to
enter a One-Time PIN (OTP) prior to making payment. When selecting a predefined To Bill Payee the
Authentication Type option will not appear, therefore not requiring you to enter a OTP.
Step 6 Submit
Step 7 Confirmation
Depending on the Authentication Type you have chosen previously, you will need to key in a One
Time Pin (OTP) shown on the i-Banking screen, to your mobile phone for Mobile Authentication, or the
6-digit OTP generated from pressing the button on your Token for Token Authentication:
-
45
-
Please note that you will only be prompted to enter an OTP when you set up a New Billing
Account prior to confirmation of transaction. You will not be prompted to enter an OTP for
registered Bill Payees prior to confirming a transaction.
46
After entering and confirming your One-Time PIN (OTP) a result page will show the status of the
transaction. Click Save Transaction if you wish to save this transaction for future use, or Next
Transaction to make another bill payment.
The saved transaction will appear as a shortcut in the Retrieve Saved Transactions drop down list,
located below the main menu. You will then be able to quickly make a similar bill payment in the
future.
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6. MULTIPLE TRANSACTIONS
The Multiple Transactions menu allows you to simultaneously:
-
Transfer Funds within Baiduri Bank
To your own account or to a third party account within Baiduri Bank/Finance.
-
Transfer Funds to another local bank in Brunei
This is a cashier’s cheque to a bank within Brunei
-
Transfer Funds to a bank abroad
This is a telegraphic transfer to a bank outside Brunei
-
Make Bill Payments
Only beneficiaries that have been registered from previous Fund Transfer (Local and Abroad) and Bill
Payment transactions will appear in the Multiple Transactions service page.
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Step 1 From Account
If the From Account chosen is a Foreign Currency Account, the Bill Payment table will be dropped
from the Multiple Transactions page.
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Step 2 Amount to pay
Enter the amount you wish to transfer for each chosen beneficiary. For abroad bank, the type of
currency can be changed and simultaneously you can choose different currencies for different
beneficiaries.
Step 3 Payment Description and Remittance Reason
Enter a Payment Description for Within Bank, Local Bank and Bill Payment, and also Remittance
Reason for Abroad Bank.
Step 5 Submit
Step 6 Confirmation
One-Time PIN (OTP) shown on the i-Banking screen, to your mobile phone for Mobile Authentication,
or the 6-digit OTP generated from pressing the button on your Token for Token Authentication:
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-
51
-
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the transaction.
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7. MASTERCARD CASHCARD TOP UP
Transfer Funds from your account to any Baiduri MasterCard CashCard.
Step 1 From Account
From the Drop down list, select the account number to debited. When an account has been
selected, the account balance will be displayed below the Account Number.
Step 2 To MCC Card
Select a predefined MasterCard CashCard from the drop down list or set up New MCC Account.
To set up a New MCC Account, enter an MCC Card Description (for your own reference) and the 16digit MCC Card Number. After you have completed a top-up, the new MCC Card will be saved
automatically and will appear in the To MCC Card drop down list.
Step 3 Amount
Enter the amount (in Brunei Dollar) you wish to top-up.
Step 4 Authentication type
Step 5 Submit
Click Submit to proceed with the top-up or Clear to re-enter details.
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Step 6 Confirmation
-
55
-
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transaction.
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8. PREPAID TOP-UP
Step 1 From Account
From the drop down list, select the account number to debited. When an account has been selected,
the account balance will be displayed below the Account Number.
Step 2 Biller
From the drop down list, select DST, POWERKAD or PCSB.
Step 3 Top-Up Value
From the drop down list, select the denomination you wish to purchase.
Step 5 Submit
Click Submit to proceed with the top-up or Clear to re-enter details.
Step 6 Confirmation
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-
-
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transaction.
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9. CUSTOMER SERVICE
The Customer Service menu allows you to:



9.1
Perform cheque book requests (applicable to current account holders only)
View the current Currency Exchange Rates
View the current Interest Rates
Cheque Book Request
Step 1 Account Number
Select the Account Number for which the cheque book is to be issued.
Step 2 Number of Leafs
Select the Number of Leafs you would like to request for your cheque book.
Step 3 To Be Collected At
Selected your preferred branch for collection of cheque book. You will receive a call from the Bank
when your cheque book is ready for collection.
Step 4 Submit
Tick the check box to accept the Terms and Conditions & Tariff. Click Submit to proceed with the
request or Clear to amend the details.
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Step 5 Confirmation
After you click Submit, a confirmation page will display the details you have inputted. Click Confirm to
proceed with the request or Back to amend the details.
After you click Confirm, a result page will show the status of the transaction.
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9.2
Currency Exchange Rates
This page displays the daily exchange rates. It also provides you with an indicative rate should you
wish to make funds transfer to an abroad bank.
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9.3
Interest Rates
This page displays the interest rates for Term Deposits and Passbook Savings Account
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10.
ACCOUNT MAINTENANCE
View and delete accounts which you have previously created or added within different sections of
Personal i-Banking, such as Baiduri Bank Beneficiaries, Local Bank Beneficiaries, Abroad Bank
Beneficiaries, Bill Payment Accounts and MCC Accounts.
The accounts you have set up are shown in the table. To remove any of the accounts listed, tick the
Delete checkbox corresponding to the account. You may select more than one account to be deleted.
The selected account(s) will be highlighted. Click Submit to proceed.
After clicking Submit, the account(s) you had chosen to delete will be shown accordingly. Click
Confirm to proceed.
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Upon confirmation, a result page will display the status of the account(s) deleted.
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11.
11.1
USER ADMINISTRATION
Change User ID
Create a User ID which is easy for you to remember. Your new User ID must be 6 to 12 characters in
length and can be alphabetical, numeric or alphanumeric.
11.2
Change Password
It is advisable to change your password regularly. Create a password that is difficult to guess, but
easy to remember. Your new password should not be the same as your user ID, and must be at least
6 alphanumerical characters in length and contain at least one symbol.
For example: B@idur1
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11.3
Change Online Daily Limits
Set up your online daily limits for Fund Transfer and Bill Payments.
To change your online limit, enter your New Limit in the corresponding input box. Please note
that you must set a new limit which is lower than the default Global Limit. Click Submit and a
confirmation page will show the details you have inputted. Click Confirm for the change to take
effect.
11.4
Password Security Set Up
To set up your Password Security Answers, choose your Security Question from the drop down list
and provide a Security Answer to your Security Question. Click Submit and a
confirmation page will show the details you have inputted. Click Confirm for the set up to take effect.
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11.5
SMS Notification Set Up
As a security measure, you will be notified via SMS for transactions you make for Fund Transfers, Bill
Payments, MCC Top-Up (MasterCard CashCard) and Prepaid Top-Ups. However, you can also set a
cut-off amount whereby transaction below this amount will not trigger a notification.
To change the cut-off amount, enter your new Minimum Amount in the corresponding input box. Click
Submit and a confirmation page will show the details you have inputted. Click Confirm for the change
to take effect.
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12.
SEND EMAIL TO THE BANK
Click on the
icon at the top left corner of the screen to view messages received from the
Bank. You can also send emails to the Bank by clicking on Send New Mail. Emails that have been
sent will be saved under Sent Items.
Step 1 Category
Select the Category from the drop down list.
Step 2 Subject
Enter the Subject of the e-mail.
Step 3 Message
Type your Message in the text field.
Step 4 Send
Click Send to send your e-mail.
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13.
LOGOUT
Click the
button on the top right of the screen to log out of Personal i-Banking. A User
Activity Log will display a summary of the activities you have performed during this session. You may
wish to print this page for your record.
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14.
FAQ
What is Baiduri Personal i-Banking?
Baiduri Personal i-Banking is a safe and secure service which allows you to perform your banking
transactions online. With Baiduri Personal i-Banking, you can manage your finances 24 hours a
day, 7 days a week from the comfort of your home or office, or virtually anywhere in the world.
What do I need to access Baiduri Personal i-Banking service?
You will need Internet access and a personal computer with Internet browser software running
either Chrome 13.0, Mozilla Firefox 3.6, Safari 5.0 or Internet Explorer 9.0 and above.
Who can apply for Baiduri Personal i-Banking?
To enjoy the convenience of Baiduri Personal i-Banking, you need to be at least 18 years old and
maintain one or more of the following accounts with Baiduri Bank Group (Terms & Conditions
apply)








Baiduri Bank Passbook Savings Account
Baiduri Bank Statement Savings Account
Baiduri Bank Current Account
Baiduri Bank 1-Account
Baiduri Finance Multi-Tier Savings Account
Baiduri Finance Multi-Rate Savings Account
Baiduri Credit Card (for viewing of online credit card statements only)
Baiduri MasterCard CashCard (for viewing of online CashCard statements only)
How do I register for Baiduri Personal i-Banking?
Registration is free and can be done at E-Banking Centre or at any Baiduri Bank branch. You can
also download the form online. Please contact our E-Banking Centre at 244 9666 or email
[email protected] for further assistance.
What documents are required?
Your valid IC or passport for identification.
Is Baiduri Personal i-Banking secure?
With our Dual Factor Authentication with mobile phone and/or token, feel secure when you login
with a User ID and password, and perform transactions for Fund Transfers (local and abroad),
MasterCard CashCard top-up, Prepaid Card Purchases and when adding a new beneficiary prior to
making bill payments. You will be notified via SMS once you have successfully logged in.
In addition, Baiduri Personal i-Banking uses industry standard 128-bit strong SSL encryption to
protect your confidential data. An automatic timeout feature will ensure you are logged out when
your account is idle.
How much does this service cost?
Registration for Baiduri-Personal i-Banking service is free. However, charges apply for using
services such as Fund Transfers to other local and overseas banks, and for Cheque Book requests.
Baiduri Bank’s Terms & Conditions apply.
How soon can I use the Baiduri Personal i-Banking service?
After successful registration, you will be issued a User ID and password. You can start banking
online after you have received a notification via SMS from the Bank informing you that your access
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to Baiduri i-Banking has been activated.
How do I log in to Baiduri Personal i-Banking for the first time?
1. Visit www.baiduri.com.
2. Click “Personal i-Banking” under login to i-Banking.
3. Enter your User ID and Password as given by the Bank. Select mobile or token
authentication. Click login.
4. (a) For mobile authentication:
o
o
o
The One-Time PIN (OTP) will be shown on the next page.
You will receive a call on your mobile phone from 226 9000.
On your mobile phone, key in the OTP shown on the i-Banking screen.
(b) For token authentication:
o
Enter the OTP generated from the token in the field provided on the next page.
5. Upon successful mobile or token authentication, the Terms & Conditions page will appear
on the computer screen.
6. Click on “I agree” to accept the Terms & Conditions.
7. Proceed to change your User ID and Password if you wish, or proceed to perform your
transactions online.
Can I link an international mobile phone number to access Baiduri Personal i-Banking?
No, only locally registered mobile phone numbers can be used.
Can I access Baiduri Personal i-Banking while I am overseas?
Yes, you can. Roaming charges by your mobile phone operator will apply for mobile phone
authentication. Alternatively, you may request a token from Baiduri Bank if you travel overseas
frequently.
What if I encounter “Your mobile phone authentication is unsuccessful”?
This can be caused by poor network coverage or entering the incorrect PIN. If problem persists
after several attempts, please contact our E-Banking Centre at 244 9666 or email
[email protected] for further assistance.
Can I access information on all my accounts with Baiduri Personal i-Banking?
You can access all accounts registered under your name and also your joint account(s) provided
the joint accounts operate on a single signing authority basis i.e. where the account mandate
states “EITHER ONE TO SIGN” or “ANY ONE TO SIGN”. You can also link and access your Hire
Purchase accounts, Consumer Good Financing accounts and credit card accounts with Baiduri
Personal i-Banking.
Will I be charged for making a Fund Transfer?
Fund transfers within Baiduri Bank are free. However, tariff charges are applicable for fund
transfers to other local banks and abroad.
73
Will I be charged for making a bill payment?
Any bill payments made are free.
Will I be charged for using the Multiple Transactions service function?
Fund transfers within Baiduri Bank and any bill payments made are free. However tariff charges
are applicable for fund transfers to other local banks and abroad within the Multiple Transactions
page. Baiduri Bank’s Terms & Conditions apply.
Is there any cut-off time for fund transfers, bill payment or cheque book requests submitted via
Baiduri Personal i-Banking?
There is a cut-off time at 11:00 am for transfers to other local and overseas banks. Transactions
received from 3:30pm on Friday to Sunday and public holidays will be processed the next working
day. Baiduri Bank’s Terms & Conditions apply.
How can I be sure that my transaction has gone through?
Once you confirm the transaction, your transaction will be logged. When you log out, a list of all
successful activities and transactions performed will be displayed on your transaction summary
which you can print out for reference.
Additionally, you will be notified via SMS for transactions you made for Fund Transfers, Bill
Payments, MasterCard CashCard Top Up and Prepaid Card Purchases.
Can I disable the SMS notification for every successful transactions for Fund Transfers, Bill
Payments, MasterCard CashCard Top Up and Prepaid Card Purchases?
Yes you can do so under the User Administration Menu. Alternatively, you can also set a cut-off
amount, whereby you will not be sent SMS notification for transactions below this amount.
How long should my User ID be?
Your User ID must be 6 to 12 characters in length and can be numeric, alphabetical or
alphanumeric.
How long should my Password be?
Your password must be at least 6 characters in length. A good password must be alphanumeric
and contain at least one symbol e.g. B@idur1.
What should I do if I forgot my User ID?
Please visit your nearest Baiduri Bank branch or call E-Banking Centre at 244 9666 for assistance.
What should I do if I forgot my password?
You can reset your password online. Alternatively you can call E-Banking Centre at 244 9666 or
email [email protected] for further assistance.
What should I do if I have forgotten both my User ID and Password?
Please contact our E-Banking Centre at 244 9666 or email [email protected] for further
assistance. Alternatively you can visit your nearest Baiduri Bank branch.
What should I do if my Token is lost, damaged or stolen?
Please visit your nearest Baiduri Bank branch to report lost, damaged or stolen token.
Replacement charges will apply.
Is there any restriction on the number of login attempts?
74
Your i-Banking service will be blocked after five (5) unsuccessful consecutive login attempts.
Please contact our E-Banking Centre at 244 9666 or email [email protected] for further
assistance.
Why do I sometimes experience slow response while trying to access Baiduri Personal i-Banking
service?
The slow response could be due to the following:
1. You are not using the recommended hardware or browser software.
2. Technical problems with the Internet Service Provider, Local Area Network or our system.
What if I encounter difficulty in accessing the Baiduri Personal i-Banking service?
Please contact our E-Banking Centre at 244 9666 or email [email protected]
75
15.
TERMS & CONDITIONS
GENERAL
1. Baiduri Bank Group (“the Bank”) may at its sole and absolute discretion make available to the
customer who has opened one or more accounts with the Bank (“the Customer”) the use of
Baiduri i-Banking in respect of or in connection with any of the account(s) of the Customer.
2. The Customer may apply to the Bank for the use of the i-Banking Service, but the Bank reserves
the right at its sole discretion to reject or accept such applications and the Bank is not obliged to
respond to any request for information from unsuccessful applicants or to assign any reason for
such rejection.
3. The Customer may apply to use the i-Banking Service for joint account(s) provided that such joint
account(s) is operated on a single signing authority basis (i.e. where the mandate to operate
such account(s) allows either party to sign). The Bank will not approve applications for the iBanking Service in respect of joint account(s) if such joint account(s) requires two or more
signatories to operate.
4. The Customer must be of 18 years or above to qualify for the use of the i-Banking Service. Upon
the acceptance of the Customer’s application, the Bank will link the Customer’s own account(s),
joint account(s) and/or pre-selected 3rd party account(s) as specified in the Customer’s
application form and approved by the Bank to the i-Banking Service. Accounts accessed using
the i-Banking Service exclude trust accounts.
FEES, INTEREST AND OTHER AMOUNTS
1. The Bank may charge fees to the Customer from time to time for the provision of any service,
software or equipment in connection with the i-Banking Service and in accordance with any fee
schedule, letter or proposal from the Bank from time to time. The Customer shall pay to the Bank
all fees, interest and other amounts due to or incurred by the Bank in respect of any service,
software or equipment, free from deductions and exclusive of any tax from time to time in force,
which will be the responsibility of the Customer. The Customer hereby authorises the Bank to
debit any of the Customer’s accounts with any of the aforesaid fees or charges.
TERMINATION
1. Either party may terminate the i-Banking Service by giving a written notice to the other and upon
giving of such notice, the i-Banking Service shall be terminated immediately. A written notice
given pursuant to this Clause shall be deemed given on the day of despatch (if sent by hand) or
within three (3) days of posting if sent by pre-paid registered post
2. Upon such termination, the Customer shall return to the Bank all related user guide and other
bank information supplied by the Bank to the Customer, within 5 business days of the
termination of the Service The Bank may (as appropriate) take immediate possession of all
relevant bank information supplied by the Bank and all copies thereof, provided that the Bank
has first requested its return and has given 5 business days’ written notice of its intention to
take such possession.
76
3. In the event any of the account(s) of the Customer which is linked to the i-Banking Service is
terminated/closed for any reason whatsoever, the i-Banking Service in relation to that account
(s) shall be terminated concurrently, without any further notice to the Customer.
4. All provisions of these terms and conditions, which by their nature should survive, such as
warranty, disclaimers, limitations of liability, confidentiality, and governing law will survive
termination of this service.
TRANSACTIONS
1. Transactions on the Customer’s accounts made through the i-Banking Service are subject to the
following daily funds transfer limit and such limit imposed may be varied by the Bank from time
to time at its absolute discretion. Subject to the Bank’s rights to vary the limits, the aggregate
total maximum daily transfer and withdrawal limit for all the Customer’s accounts is
BND20,000.00 (BRUNEI DOLLARS: TWENTY THOUSAND ONLY), which is apportioned to such
services as follows:
a) Funds Transfer within Baiduri Bank Group, other local bank in Brunei and abroad via
Telegraphic Transfer – maximum BND15,000.00 (BRUNEI DOLLARS: FIFTEEN
THOUSAND ONLY) per day.
b) Bill Payment - maximum BND5,000.00 (BRUNEI DOLLARS: FIVE THOUSAND ONLY) per
day. The Customer may specify a higher maximum daily limit subject to the condition that
the Customer takes full responsibility for the higher limit the Customer has set.
2. The Bank is not obliged nor liable to make such payments or transfers in respect of or in
connection with any transactions performed or effected by the Customer if the Customer has not
maintained sufficient funds in the Customer’s account(s) specified by the Customer at the time
the transaction is performed or effected. The Customer should ensure that there are sufficient
funds in the specified Customer’s account(s) with the Bank before completing or effecting
transactions.
3. In respect of payments, remittances or fund transfers to other banks or organizations, the Bank
is not under any obligation whatsoever to the Customer to verify or check the accuracy or
correctness of the account numbers or the identity of the account holders of any account with
other bank or organization (whether accounts belong to the Customer or otherwise).Where
payments, remittances and/or funds transfers are made to other banks and /or organizations,
the Bank shall not be responsible for any loss, claim and/or damage caused to or suffered by the
Customer or any other third party arising from non-acceptance or rejection by the receiving banks
or organizations or any failure, delay or error by the receiving banks or billing organizations in
crediting the account of the payee or beneficiary as specified by the Customer).
4. The Bank reserves the right at any time and from time to time to, without giving prior notice, (i)
set, vary or cancel monetary limits as specified in clause 1 above; and/or (ii) amend, change and
vary the terms and conditions for any transactions, facilities, services and products that may be
carried out through the use of the i-Banking Service.
77
5. Any transaction instructed by the Customer to be made, performed, processed or effected by
with or through the use of the i-Banking Service prior to the relevant cut-off time as designated
by the Bank from time to time at its sole discretion on any given day will in most cases be
effected, entered, shown or recorded in the Bank on the same day. Transactions may take longer
to be processed and effected if they are instructed after the cut-off time, or instructed on a
Saturday, Sunday, public holiday or a non-banking day or if the other receiving banks or billing
organizations do not process the transactions as soon as they receive the details of such
transactions.
6. The Bank reserves the right to decline, refuse or to delay the performance of any transaction
requested by the Customer through the i-Banking Service for any reason whatsoever (including
but not limited to where there is a suspected breach of security, or if a requested transaction
exceeds the maximum limit) and the Bank is not liable to the Customer for such refusal or delay.
SECURITY AND CONFIDENTIALITY
1. The Bank has no duty to check for and shall not be liable for errors or omissions made by the
Customer or the duplication of any instruction by the Customer.
2. The Bank may refuse to execute any instruction where the Bank reasonably doubts its contents,
authorization, origination or its compliance with the procedures.
3. If the Customer informs the Bank that the Customer wishes to recall, cancel or vary an
instruction after it has been received by the Bank, the Bank may (but is not obliged to) use its
reasonable efforts to assist the Customer to do so, and shall not be liable for any loss, cost or
expense suffered by the Customer if the Bank does not or is unable to vary, cancel or recall that
instruction. The Customer hereby agrees to indemnify the Bank against any loss, liability, claim or
expense (including legal fees) it may incur in connection with assisting the Customer to recall,
cancel or varying an instruction.
4. The Customer is advised not to give instructions or directions to the Bank to perform a
transaction or otherwise or in respect of any matter concerning the Customer’s accounts via email. The Bank is under no obligation whatsoever to the Customer to act on any instructions or
directions received via e-mail or to reply to any e-mail inquiries (whether digitally signed or not)
from the Customer.
5. Once the Customer’s application to use i-Banking Service has been approved by the Bank, the
Bank will provide the Customer with the Baiduri Personal i-Banking Service Personal
Identification Number (PIN), User ID, Token PIN and Token. The Customer is allowed access to
the Service and to perform any available banking transaction once the PIN, User ID and Token ID
are correctly keyed in by the Customer and the Customer has agreed with terms and conditions
stated therein.
6. The Bank may at anytime at its sole and absolute discretion terminate, suspend or vary any
service provided under the i-Banking Service or invalidate or replace any of the PIN, User ID,
Token PIN and Token without assigning any reason and without prior notice to the Customer and
shall not be liable or responsible for any loss or damage suffered by or caused by the Customer
78
arising out or connected with or by reason of such termination, suspension, variation,
invalidation or replacement.
7. The PIN, User ID, Token PIN and Token shall only be used by the Customer of the i-Banking
Service to whom the PIN, User ID, Token PIN and Token are issued and provided to the Customer
at the request of the Customer. Authorization by the Customer to a third party to collect the PIN,
User ID, Token PIN and Token will not be allowed by the Bank.
8. The Customer shall exercise extreme care and precaution to prevent the disclosure or
unauthorized use by third parties of the PIN, User ID, Token PIN and Token. The token shall be
kept in a secure place under lock and key by the Customer if not used.
9. The Customer shall notify the Bank immediately if any of the PIN, User ID, Token PIN or Token is
disclosed to or used by (or is suspected to be disclosed to or used by) unauthorised third parties,
or is lost or misplaced through theft or otherwise. Until such notification is actually
communicated to the Bank (which notification is deemed communicated to the Bank upon the
Customer submitting to the Bank the duly completed form as specified by the Bank and signed
by the Customer), the Customer shall remain responsible for all transactions conducted through
the i-Banking Services by any unauthorised person or for any unauthorised purpose and the
Bank is not responsible for such loss or damage suffered by the Customer.
10. The Customer must not leave the computer terminal unattended nor allow any third party to use
the computer terminal once logged on to the i-Banking Service. If the Customer leaves the
computer terminal, the Customer must log off the i-Banking Service first. The Customer shall
ensure that the Customer has logged off from the i-Banking Service at the end of every session.
11. In the case of a joint account, if the Customer to whom the PIN, User ID, Token PIN and Token
were issued by the Bank is no longer a joint account holder, the Customer shall immediately
notify the Bank and notwithstanding such notification, the Customer shall be jointly and severally
responsible and liable for any transaction performed or effected through the joint account prior
to and up to the date of receipt of such notification by the Bank (which notification is deemed
communicated to the Bank upon the Customer submitting to the Bank the duly completed form
as specified by the Bank and signed by the Customer).
12. In the event that any of the Customer’s PIN, User ID, Token PIN or Token is exposed, stolen or
lost due to any unauthorized or other hardware device(s) attached or loaded and/or software
program(s) loaded or installed to/in computer or device which is used to access the i-Banking
Service, the Bank shall not be responsible nor liable for any loss, damage, embarrassment
thereby incurred or suffered (whether directly or indirectly) by the Customer for any transaction
that was initiated before the loss or the compromise is actually communicated to the Bank.
Reports of such loss or compromise to the Bank shall be deemed communicated to the Bank
upon the Customer submitting to the Bank the duly completed form as specified by the Bank and
signed by the Customer).
79
13. The Bank is not responsible to prove that any unauthorized transaction is due to the above
security breach. The Customer is solely responsible for the performance and protection of any
internet browser used in connection with the i-Banking Service including adoption of security
measures recommended from time to time by the providers of such browsers.
LIABILITY AND INDEMNITY
1. The Customer shall notify The Bank immediately upon receipt of data or through the i-Banking
Service that is not intended for the Customer. The Customer agrees that all such data or
information shall be deleted from the Customer’s computer system immediately and such data
or information shall not be used or disclosed by the Customer.
2. The Customer shall notify the Bank immediately if the Customer believes, suspects or knows of
any unauthorised access to the i-Banking Service or any unauthorised transaction or of a breach
or potential breach of security to the i-Banking Services, and the Bank shall not be responsible or
liable for loss damage or embarrassment caused to the Customer arising from the above.
3. The token is the property of the Bank at all times. Upon termination of the use of the i-Banking
Service, the Customer shall return the token to the Bank immediately. The Bank may levy a
charge as the Bank shall decide for the loss or replacement of token.
4. The Bank’s records and any records of the instructions, communication, operations made or
performed, processed or effected through i-Banking Service by the Customer or any person
purporting to be the Customer with or without the Customer’s consent or any record or
transactions carried out by the Bank or any person authorized by the Bank relating to or
connected with the i-Banking Service shall be binding and conclusive on the Customer for all
purposes whatsoever and shall be conclusive evidence of such transactions and the Customer’s
liability to the Bank, and the Customer agrees not to dispute the validity, accuracy or authenticity
of any such records and evidence.
5. The Customer’s instructions to the Bank effected through the i-Banking Service shall be
irrevocable and binding on the Customer upon transmission of the same by the Customer.
6. The Bank shall not be responsible or liable for any loss, damage or embarrassment incurred or
suffered by the Customer in relation to or in respect of any instructions, operations or
transactions effected by the Customer or purported to be effected by the Customer using
i-Banking Service howsoever caused, including but not limited to, the Customer’s
non-compliance with Service instructions, the Bank inability to provide the Services as a result of
malfunction partial or total failure of any software programs, data processing systems, security
systems, computer tele-transmission or telecommunications systems the Bank, any bank,
financial institution or any person or organization involved in the above mentioned systems or
other circumstances beyond the Bank’s control, including but not limited to disruption of
business or operations, Acts of God, war, warlike hostilities, riots, blockades, electrical power
failure, spamming, virus attacks, hacking, strikes and embargoes and the Customer’s inaccurate
keying in of instruction.
80
7. The Customer undertakes to indemnify the Bank from and against and in respect of all liabilities,
losses, damages charges and expenses (including legal fee and costs on a full indemnity basis)
claims demands actions and proceedings which the Bank incurs or sustains directly or indirectly
from or by reason of or in relation to the use, misuse or purported use of misuse of i-Banking
Service, due to failure of software, failure of security or failure of computer peripheries as
provided by any third party, which occurred to the computer terminal where the i-Banking Service
is accessed from, and shall pay such monies to the Bank immediately on demand.
8. The Customer acknowledges and agrees that the Bank has the sole and exclusive ownership and
rights including all intellectual property rights in and to the Bank’s i-Banking Service, including,
without limitation to the Bank’s website, the i-Banking Service website and all contents and any
updates thereof.
9. The Bank shall be under no liability for any damage, loss or expense, suffered or incurred by the
Customer due to any unsuccessful transaction using the i-Banking Service for any reason
whatsoever. For the avoidance of doubt, the Bank shall not be liable to compensate the
Customer for any loss of interest due to the unsuccessful transaction using the i-Banking
Service.
10. The Customer shall not post or transfer to the Bank’s i-Banking website (nor include in any
message) any material which is obscene, misleading, inaccurate, defamatory, illegal, in breach of
any copyright or other intellectual property right, or damaging to data, software or the
performance of our or any other parties’ computer system. The Customer shall indemnify the
Bank in respect of any liabilities, losses, expenses, or other costs whatsoever incurred as a result
of a breach of the Customer’s obligations under this clause, including but not limited to, any
claims made against the Bank by any third party.
RESPONSIBILITY
1. The Bank does not guarantee access to any communications, processing or transaction system
including that provided by the Bank and accepts no liability to the Customer for any period when
any such communication system is unavailable or disrupted or for any related delays or
disruption. The Customer is solely responsible for all consequences arising from or in connection
with the use of the i-Banking Service and the reliance on any information or report contained
herein.
2. The Bank reserves the right, without prior notice to the Customer, to change revise or modify the
terms and conditions herein, the services provided and/or any fees to be imposed, at any time
and from time to time hereafter, and the Customer shall be bound by all changes made. The
Customer agrees that the use of the i-Banking Services is also subject to the Bank’s standard
terms and conditions governing accounts opened with the Bank, which shall prevail in the event
of any discrepancy between such terms and the terms of this Service
3. The terms herein shall be governed by and construed in accordance with the applicable laws of
Brunei Darussalam in effect for the time being and the Customer hereby submits to the
non-exclusive jurisdiction of Brunei Darussalam courts.
81
16.
DISCLAIMER
COPYRIGHT AND TRADEMARK NOTICES
All the trade marks, service marks and logos displayed on this i-Banking Service website may not be
reproduced, transmitted, published, performed, broadcast, stored, adapted, distributed, displayed,
licensed, altered, hyperlinked or otherwise used in whole or in part in any manner without the prior
written consent of the Baiduri Bank Group. Save and except with the Baiduri Bank Group’s prior
written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any
hyperlink to any Baiduri Bank Group member’s website or any other website.
DISCLAIMER
Baiduri Bank Group makes no representation or warranty of any kind, express or implied regarding
this website or the services provided under the Baiduri i-Banking Service. The information and
materials appearing on this website are provided for general information only. The terms, conditions
and descriptions are subject to change. Products and services offered may be withdrawn or
amended at any time without notice. Baiduri Bank Group accepts no liability and will not be liable for
any loss or damage arising directly or indirectly from your use of or your reliance on the information
and materials contained in this website.
HYPERLINKS
For your convenience, the Baiduri Bank Group may include hyperlinks to websites on the Internet
that are owned or operated by third parties. Such linked websites are not under the control of the
Baiduri Bank Group and the Baiduri Bank Group does not accept any responsibility for the contents
of or the consequences of accessing any linked website or any link contained in a linked website.
The hyperlinks provided in this website shall not be considered or construed as an endorsement or
verification of such linked websites or the contents therein by the Baiduri Bank Group or
recommendation of any products or services offered at those websites. You agree that your access
to and/or use of such linked websites is entirely at your own risk and subject to the terms and
conditions of access and/or use contained in those websites.
E-MAIL
E-mail messages sent to the Bank over the Internet cannot be guaranteed to be completely secure.
The Bank will not be responsible for any loss or damages incurred or suffered arising from e-mail
messages sent by you to the Bank or sent by the Bank to you at your request. The Bank is not
responsible in any manner for direct, indirect, special or consequential damages arising out of the
use of this website.
TRANSMISSION OVER THE INTERNET
Under no circumstances shall the Baiduri Bank Group be liable regardless of the form of action of
any failure of performance, system, server or connection failure, error, omission, interruption, breach
of security, computer virus, malicious code, corruption, delay in operation or transmission,
transmission error or unavailability of access in connection with your accessing this website and/or
using the online services even if the Baiduri Bank Group had been advised as to the possibility.
82

User Guide - Baiduri Bank

Transcription

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