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Terms and Conditions
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Home
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Terms and conditions of use of the bank account
The account holder authorizes the bank to mix his funds with the bank is funds, and the bank has the right to use them for a good loan with his guarantee, and this account does not participate in any profits and does not bear any losses.
The minimum account is subject to what is decided by the bank is management upon creativity, and the account is dealt with through cash withdrawal or using the electronic services provided by the bank, and the terms of these services are part of the conditions for opening the account, and the customer is committed to all the operations issued by him on the account and the resulting financial and legal obligations, and the account is debited directly when executing any transaction.
The account holder can withdraw and deposit from his account at any time and from any branch of the bank, and the bank has the right to calculate his commission as determined by the bank is management.
This account with the bank is characterized by complete confidentiality and may only be viewed by its owner except with his written authorization, a court ruling or an order from the supervisory and supervisory authorities authorized to do so, and it is subject to all laws in force related to banking and financial work in the Republic of Yemen.
The Bank is records and accounts shall be considered as conclusive evidence of what the account holder is entitled to by the Bank.
The bank has the right to amend the terms of the account and the terms of its electronic and banking services at any time, and the new conditions will be displayed in the bank is panels in the branches, and in the event of objection, the customer has the right to submit a request to close the account.
Any notification sent by the Bank to the Customer by SMS message to his mobile phone approved by the Bank shall be considered valid and legal.
The Bank shall have the right to cancel the account or to cancel the services linked to the account when it deems it appropriate and at any time, in particular in the following cases:
If the customer misuses the service.
In the event of the death of the customer or loss of his capacity.
In the event that there is no balance in the customer is account opened with the bank and the customer does not supply an amount to the account within three months from the date of last use, the account will be loaded and all services associated with it will be suspended.
The Bank does not bear any legal or moral responsibility resulting from the change in prices or the unavailability of the currency because the prices of currencies change from one moment to another and are subject to supply and demand and we may not be able at times to provide them.
The Bank shall not bear any responsibility in the event of inability to provide any of the services or fulfill any of the obligations contained in these Terms if this is directly or indirectly due to any dispute or circumstance outside its control, and the Bank does not bear any responsibility for any direct or indirect consequential damage related to the use of the ATM card on any of the ATMs, points of sale or any other device or due to Any ATM runs out of cash or malfunctions.
All accounts of any kind opened in the name of the customer or opened in his name in the future with the bank or any of its branches shall be considered guarantors of each other, regardless of their names, and the bank may, in the event that the customer does not fulfill his obligations on time, have the right to merge or consolidate these accounts in whole or in part and deduct from the credit balance from any of them until the customer fulfills all his obligations before the bank, and the bank is authorized to make clearing and deduction from the credit balance or debtor, settlement is made at the prevailing market exchange rate.
The Customer agrees to the Bank is right to deduct any amount deposited in his account by mistake with a computer system, technical error, hardware malfunction, human error, error in the clearing system or other reason without any responsibility on the Bank and its obligation not to dispose of this amount in any way, and the Customer agrees when the Bank requests to return any amount that was accidentally deposited in the account and which the Customer disposed of or transferred from the account and in the event of refusal The Customer shall have the right to deduct the amount from any of the Customer is accounts with the Bank or one of its branches and the Customer hereby waives any claim or action against the Bank as a result of the Bank exercising his right under this Article.
Terms and Conditions of Electronic Services
The customer shall comply with all relevant laws and regulations in force when using the electronic services, including the laws of combating money laundering and terrorist financing and any laws issued later, and the customer shall be fully legally responsible and guarantor before the bank and any other party for all operations conducted through these services.
The use of electronic services by the customer shall be in accordance with the terms and limitations of the service and within the limits of his accounts opened with the bank.
The customer is obligated to maintain the passwords of the service and to change them from time to time and not to leak them to anyone, and the customer bears full responsibility for violating that.
When performing any financial transaction in the electronic services, you must make sure that the data is entered correctly and the customer bears responsibility for any error.
The electronic services are linked to the mobile number approved in the account, and the customer will not be able to use the service except through this number only, and SMS messages will be sent to the customer on the mobile number installed in his account, and the customer will receive the password when activating the service on this number, and he must change the password as soon as the SMS message arrives, enter the mobile service and follow the instructions, and when this number is lost or damaged, the bank must be informed through a written notification provided at any branch of the bank The service will be discontinued and Bin Dowal Bank will not be held responsible for any transaction performed prior to the suspension.
The Bank has the right to amend the terms of service such as the maximum limit per transaction, the maximum day or the number of transactions allowed per month at any time, and in case the customer objects, he has the right to submit a request to cancel the service.
The customer is committed to all operations issued by him in the system and that any operation he performs through electronic services or through the bank is website or through applications issued by the bank is legally binding on the customer and the customer has agreed that the bank is reports are the sole reference for the customer and that the extracts of the bank is system are considered an acceptable legal argument as complete evidence in all procedures and transactions that take place in accordance with this service.
The customer has the right to amend his mobile number and previously entered data for a service fee, and the customer bears responsibility for any error in that.
Remittances sent through this service are subject to the conditions for sending and receiving remittances at the Bank and the customer agrees to abide by them.
Electronic services are linked to the customer is accounts in the bank of all kinds and are subject to their conditions signed by the customer when opening the account.
The Customer acknowledges that the username and passwords are the means of identification that identifies the Customer, so any transactions carried out using this means are considered to be issued by the Customer, and the Bank considers any person who uses them to be the Customer, and the Customer is responsible for all transactions carried out using his means of identification. If the Customer suspects that someone is tampering with his accounts through the Service, or that the usercode and passwords have been exposed by another party, the Customer shall inform the Bank immediately and confirm this in writing as soon as possible, and the Customer will be responsible for all amounts incurred as a result of using his username and passwords until the end of the day the Bank receives the written notification from the Customer to do so.
