2.1 The OCBC ATM Service enables the Customer to have access to the Account(s) and/or to effect various banking transactions (which may include, without limitation, the withdrawal and deposit of funds, bill payments and update of particulars) via automated cash deposit machines, automated teller machines, multi-functional machines and/or any other equipment as the Bank may designate for such purposes (each, an “ATM”), including effecting payment transactions, transfers of funds, or debit functions made using an ATM Card at certain points of sale, merchants or designated payment terminals, using a Tokenised ATM Card through third-party merchant applications which interface or are integrated with the NETS Click service (each a “Merchant App”), and/or using the ATM Face Verification Access Means, and in such manner as the Bank may specify in its absolute discretion at any time from time to time. Where the Customer requests for the OCBC ATM Service to be made available for the operation of any Account(s), the Bank may at its discretion provide the Customer with an ATM Card and allocate an ATM Personal Identification Number (“ATM-PIN”) which the Bank shall notify the Customer. The Customer agrees that the OCBC ATM Service shall be extended to the Customer in accordance with these Terms and Conditions or such other terms and conditions which the Bank may notify the Customer from time to time. For the purposes of these Terms and Conditions, "ATM Card" shall be deemed to include all cards as may be designated as such, or which may be used by you to access the OCBC ATM Service, by OCBC from time to time, and “Tokenised ATM Card” means any electronic, digital or other token issued by OCBC and associated with any ATM Card for the making of payment within or using any Merchant App.

2.2 The Customer shall not reveal the Customer’s ATM-PIN to any other party and shall take all necessary steps to keep the ATM Card in a safe place and to prevent disclosure of the Customer’s ATM-PIN to any other party. In the event the ATM Card is lost, stolen or mislaid, or the Customer’s ATM-PIN is disclosed or discovered by any other party, the Customer shall immediately notify the Bank of the loss and/or immediately change the Customer’s ATM-PIN.

2.3 The Customer authorises the Bank to accept, follow and act upon all instructions when identified by the Customer’s ATM Card and ATM-PIN, Tokenised ATM Card, ATM Face Verification Access Means or such other form or means of identification as may be specified by the Bank in its absolute discretion at any time from time to time, including for additional Products and Services to be made available to the Customer, and the Bank shall not be liable for acting upon such instructions in good faith. Such instructions shall be deemed irrevocable and binding upon the Customer upon the Bank’s receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of such instructions.

2.4 The Customer may change the Customer’s ATM-PIN from time to time. The Bank shall be entitled at the Bank’s absolute discretion to reject any number selected by the Customer as the Customer’s substitute ATM-PIN without giving any reason therefor. The Customer’s substitute ATM-PIN shall take effect upon the Bank’s confirmation and the Customer’s use therefrom shall be governed by these Terms and Conditions. When selecting a substitute ATM-PIN, the Customer shall refrain from selecting any series of consecutive or same or similar numbers or any series of numbers which may easily be ascertainable or identifiable with the Customer.

2.5 The ATM Card shall remain the Bank’s property and the Customer shall surrender it to the Bank upon the Bank’s request or where the Customer no longer requires this Service. The ATM Card is not transferable and may only be used by the Customer.

2.6 The Bank shall be entitled at its absolute discretion to cancel, withdraw, restrict, suspend, vary or modify the use, features and/or facilities of the OCBC ATM Service (including without limitation use of the ATM Card, Tokenised ATM Card, ATM-PIN and the ATM Face Verification Access Means) (whether in whole or in part) at any time from time to time without notice and without giving any reason therefor and the Bank shall not be liable to the Customer for any loss or damage as a result thereof.

2.7 The Customer shall be wholly responsible for all transactions executed via the OCBC ATM Service (whether or not using the ATM Card, a Tokenised ATM Card, the Customer’s ATM-PIN or the ATM Face Verification Access Means) including without limitation any debit functions at certain points of sale, merchants or designated payment terminals, cash withdrawals or deposits, funds transfers and payments. The Bank may debit the Account(s) with the amount of any withdrawal or transfer in accordance with the Bank’s record of transactions. All transactions arising from the use of the OCBC ATM Service to operate designated Joint Account(s) shall be binding on all Joint Account(s) holders.

2.7.1 Customer may be required, when using any Merchant App, to authenticate such Customer’s instruction to NETS for Bank to issue a Tokenised ATM Card through such means as may be prescribed from time to time by NETS and/or Bank.

2.7.2 Upon the issuance of a Tokenised ATM Card, Customer shall be wholly responsible and liable for all subsequent transactions executed which are referable to a Tokenised ATM Card associated with a Merchant App, whether or not the access to or use of a Tokenised ATM Card and/or Merchant App (or any instruction identified by or issued therefrom) is made with that Customer’s knowledge, authority or consent.

2.7.3 The Customer authorises the Bank to accept, follow and act upon all instructions that are referable to a Tokenised ATM Card associated with a Merchant App (whether such instructions are actually authorised by the Customer or not), and the Bank shall not be liable for acting upon such instructions in good faith. The Bank shall neither be liable for acting upon such instructions nor be obliged to investigate the authenticity or authority of such persons effecting the instructions or verify the authenticity, accuracy and completeness of such instructions. Such instructions shall be deemed irrevocable and binding on the Customer upon the Bank's receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of the terms of such instructions and the Bank shall be entitled (but not obliged) to effect, perform or process such instructions without the Customer's further consent and without any further reference or notice.

2.8 The Customer agrees that the Bank shall not be liable for any loss or damage which the Customer may suffer as a result of the Customer’s use of or failure to obtain the OCBC ATM Service (including without limitation any unsuccessful withdrawal, deposit or transfer of funds, payment, or any failure to access the Account(s)). In particular, the Bank shall under no circumstances be liable if the ATM Card or Tokenised ATM Card is not honoured, accepted or recognised or if the OCBC ATM Service is unavailable, limited or affected in any way for any reason whatsoever including power or other failure. Without prejudice to the generality of the foregoing, the Bank may impose daily limits of such amounts (which may differ and be subject to separate limits depending on the type of OCBC ATM Service used by the Customer) as the Bank may determine from time to time without notice to the Customer on the maximum aggregate amount that may be withdrawn or transferred from the Account(s) via the OCBC ATM Service (whether or not using the ATM Card, the Tokenised ATM Card, the Customer’s ATM-PIN or ATM Face Verification Access Means) during any day or other period as determined by the Bank from time to time.

2.9 The Customer accepts the Bank’s record of transactions as conclusive and binding for all purposes. Without prejudice to the generality of the foregoing, in the event of any unsuccessful attempt by Customer to deposit cash or make cash payment (including partially successful deposits or payments) at any ATM or certain points of sale, merchants or designated payment terminals (as the case may be) for any reason whatsoever, the Bank’s determination of the actual amount (if any) deposited or paid shall be conclusive and binding on the Customer.

2.10 The Customer shall not use or attempt to use the OCBC ATM Service to withdraw or transfer funds from the Account(s) unless the available balance(s) in the Accounts is/are sufficient for this purpose.

2.11 The Customer consents to the collection, storage, communication and processing of the Account(s) balance information by any means necessary for the Bank to maintain appropriate transaction and account records and to the release and transmission to and the retention by the service providers of the details of the Account(s), ATM-PIN, transaction information and other information to enable the Customer’s use of the OCBC ATM Service at an ATM or point of sale, merchant or designated payment terminal (whether in Singapore or elsewhere).

2A.1 The Customer is aware that the ATM Card comes with the NETS FlashPay stored value facility held and operated by Network for Electronic Transfers (Singapore) Pte Ltd ("NETS").

2A.2 The Customer agrees to give the Bank permission to share information about the Customer or Customer's account to NETS and such other persons, as considered appropriate to NETS, as may be necessary for the usage of the stored value facility.

2A.3 The Customer agrees to, and will use the ATM Card according to, terms and conditions governing the use of NETS FlashPay (available at NETS' web-site).

2B.1 Without prejudice to paragraph 2.8 above, the Customer may use the NETS Contactless feature of a NETS contactless-enabled ATM Card to effect any number of payment transactions, fund transfers or debit functions via certain points of sale, merchants or designated payment terminals, provided that the value of each such transaction does not exceed S$100 or such other amount as may be determined by the Bank from time to time at the Bank’s sole and absolute discretion without notice to the Customer. “NETS Contactless feature” refers to the feature on a NETS contactless-enabled ATM Card which allows the Customer to effect NETS payment transactions by tapping or waving the ATM Card against certain points of sale, merchants or designated payment terminals.

2B.2 The Customer agrees to give the Bank permission to share information about the Customer or Customer's account to NETS and such other persons, as may be necessary for the usage of the NETS Contactless feature.

2B.3 The Customer further agrees to, and will use the ATM Card according to, “NETS terms and conditions governing the use of NETS Contactless feature” (available at NETS’ web-site).

2C.1 The Customer acknowledges and consents to that the Bank has absolute discretion to make the NETS Click service available to Customer by enrolling one or more Tokenised ATM Cards for use with the NETS Click service. At present, Tokenised ATM Cards are only issued for use with the NETS Click service. A Tokenised ATM Card is enrolled upon the successful registration of the Customer for the NETS Click service by Bank and the issuance a Tokenised ATM Card by Bank for use with the NETS Click service.

2C.2 To use the NETS Click service (including the enrolment of a Tokenised ATM Card), the Customer may need to have installed a Merchant App which interfaces or is integrated with the NETS Click service and registered as a user of the NETS Click service. The Bank does not own, operate or manage (i) any Merchant App and (ii) the NETS Click service. Customer is responsible for complying with any terms and conditions relating to Customer’s (i) installation and/or use of Merchant App and (ii) registration to, use of and de-registration from the NETS Click service. Customer agrees that any installation and/or use of Merchant App is solely and wholly at Customer’s own risk.

2C.3 Customer shall immediately notify the Bank by OCBC Contact Centre upon the occurrence of any of the following:

1. the mobile device on which the Merchant App is installed (and Tokenised ATM Card has been issued) is lost, stolen or mislaid; or
2. Customer believes or has reason to believe that:
   1. the mobile device on which the Merchant App is installed (and Tokenised ATM Card has been issued) has been accessed and/or used in an unauthorised manner; or
   2. any password(s) to the mobile device on which the Merchant App is installed (and Tokenised ATM Card has been issued), Merchant App password (if any), or other relevant security passwords or credentials, has been compromised (including unauthorised disclosure or modification); and shall, as soon as possible, reset such mobile device’s password(s), Merchant App password (if any), or other relevant security passwords or credentials.

2C.4 Customer agrees that unless Customer has given notification to the Bank in accordance with paragraph 2D.3 above, paragraph 2.7.3 shall apply.

2D.1 In these Terms and Conditions, “ATM Face Verification Access Means” means such authentication, configuration, use and/or access procedures involving the use of data measurements of a person’s face (whether on a stand-alone basis or in conjunction with other means prescribed by the Bank) in conjunction with the SingPass Platform, as enabled by the Bank, to identify and authenticate the Customer for the purposes of allowing Customer to access and/or use the OCBC ATM Service (or any of the services or functions thereunder).

2D.2 To use the ATM Face Verification Access Means, the Customer needs to have a valid account on the SingPass Platform and access to the SingPass Platform.

2D.3 The Customer acknowledges and consents that the Bank has the absolute discretion to make available the OCBC ATM Service (or any of the services or functions thereunder) to Customer upon the Customer’s use of the ATM Face Verification Access Means in such manner as the Bank may specify and determine in its absolute discretion from time to time.

2D.4 Without prejudice to any other terms and conditions, the ATM Face Verification Access Means is provided “as-is” for the Customer’s convenience and the SingPass Platform is owned and/or operated by third parties. The SingPass Platform and the ATM Face Verification Access Means are not under the Bank’s control and the Bank is not liable for any errors, omissions, delays, inaccuracy or any other objectionable material contained in the contents, or the consequences of using and/or accessing the SingPass Platform and/or the ATM Face Verification Access Means. The Bank does not endorse or verify the SingPass Platform and/or the ATM Face Verification Access Means or information, data or communications (including Customer’s facial data) stored on and/or transmitted via the SingPass Platform to the Bank and the Customer agrees that his or her access to or use of such SingPass Platform and/or ATM Face Verification Access Means is entirely at the Customer’s own risk.

2D.5 Without prejudice to any other terms and conditions, the Bank shall not be liable to the Customer for any loss, damages or expenses (including any direct, indirect, incidental, special, consequential or punitive damages or economic loss or any claims for loss of profits or loss of use) whatsoever or howsoever caused (regardless of the form of action) arising directly or indirectly in connection with any access, use and/or inability to access or use ATM Face Verification Access Means.

2D.6 The Customer acknowledges that certain aspects, features or services of the OCBC ATM Service or other specific services of the Bank may not be available to the Customer if the Customer’s access to the relevant service (including the OCBC ATM Service) is via the ATM Face Verification Access Means. To access such aspects, features or services, the Customer may be required to further input and/or use other access credentials in accordance with the Bank’s latest instructions, procedures and directions.

2D.7 The Customer consents to the collection, use and disclosure of your personal data, including your national registration identity card number and facial data, by (as the case may be) the Bank, the Government of Singapore and each of their representatives, related corporations and service providers, for the purposes of identifying the Customer and authenticating the Customer’s access and/or use of the OCBC ATM Service (or any of the services or functions thereunder) as designated by the Bank.

2E.1 The Customer acknowledges and consents that the Bank has the absolute discretion to make the Cardless ATM Cash Withdrawal via OCBC Mobile Banking Service available to the Customer, including by automatically enrolling the Customer into such service offering once the Customer has a valid and active Singapore dollar current or savings account with the Bank and is a valid user of the OCBC Internet Banking Service.

2E.2 To use the Cardless ATM Cash Withdrawal via OCBC Mobile Banking Service, the Customer acknowledges that it needs to have installed the OCBC Mobile Banking application and be a valid user of the OCBC Internet Banking Service and OCBC Mobile Banking Service.

2E.3 The Customer agrees to, and will use, the OCBC ATM Service according to the Terms and Conditions for MB Transactions via QR and other Barcode Service set out in Clause 3HC.

3.1 The OCBC Internet Banking Service (which includes, without limitation, the OCBC mobile banking services, by whatever name designated and presently known as the OCBC Mobile Banking Service, the OCBC mobile banking transaction services, by whatever name designated and presently known as the OCBC Mobile Banking Transaction Service, and the OCBC voice banking services, by whatever name designated and presently known as the OCBC Banking Assistant, but does not include the OCBC phone banking services, by whatever name designated and presently known as the OCBC Phone Banking Service), enables the Customer to have access to the Account(s) and/or to effect certain banking and/or other transactions (including without limitation the transmission of instructions to the Bank, funds transfer, bill payments, third party services) by electronic means (including via the GroupCo Platform Access Feature (as defined in Clause 3G below)) via the use of Customer Terminals. Where the Customer requests for OCBC Internet Banking Service to be made available for the operation of any Account(s) or any other purpose, the Bank may at the Bank's discretion allocate an OCBC Internet Access Code (“ICode”) and OCBC Internet Access Personal Identification Number (“IPIN”) which the Bank shall notify to the Customer. The Customer may gain access to OCBC Internet Banking Service and/or the Account and/or any part thereof upon the correct input and/or use of the Access Credentials. The Customer agrees that the OCBC Internet Banking Service shall be extended to the Customer in accordance with these Terms and Conditions or such other terms and conditions which the Bank may notify to the Customer from time to time.

3.2 The Customer shall not reveal the Access Credentials to any other party and shall take all necessary steps to prevent disclosure of the Access Credentials to any other party. In the event the Customer's ICode and/or IPIN is disclosed to or discovered by any other party, the Customer shall immediately change the same.

3.3 The Customer agrees and acknowledges that any use of or access to the OCBC Internet Banking Service referable to, and any instructions identified by the Access Credentials (whether such access to or use of the OCBC Internet Banking Service, or instruction, is authorised by the Customer or not) shall be deemed to be, as the case may be: (a) use of or access to the OCBC Internet Banking Service by the Customer; or (b) instructions transmitted or validly issued by the Customer. The Customer authorises the Bank to accept, follow and act upon all instructions that are attributable to the Access Credentials (whether such instructions are actually authorised by the Customer or not), including for additional Products and Services to be made available to the Customer, and the Bank shall not be liable for acting upon such instructions in good faith. The Bank shall neither be liable for acting upon such instructions nor be obliged to investigate the authenticity or authority of such persons effecting the instructions or verify the authenticity, accuracy and completeness of such instructions. Such instructions shall be deemed irrevocable and binding on the Customer upon the Bank's receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of the terms of such instructions and the Bank shall be entitled (but not obliged) to effect, perform or process such instructions without the Customer's further consent and without any further reference or notice. The Bank shall be entitled but shall not be obliged to verify any instructions given via OCBC Internet Banking Service by online means or via telephone.

3.4 The Customer may, from time to time, change the Customer's ICode, IPIN and/or such other Access Credentials as permitted by the Bank from time to time. The Bank shall be entitled at the Bank's absolute discretion to reject any number or alphabet selected by the Customer as the Customer's substitute ICode and/or IPIN without giving any reason therefor. The Customer's substitute ICode and/or IPIN shall take effect upon the Bank's confirmation and the Customer's use therefrom shall be governed by these Terms and Conditions. When selecting a substitute ICode and/or IPIN, the Customer shall refrain from selecting any series of consecutive or same or similar numbers or alphabets or any series of numbers or alphabets that may easily be ascertainable or identifiable with the Customer.

3.5 The Bank shall be entitled at the Bank's absolute discretion to cancel the use of the Access Credentials and/or withdraw, restrict, suspend, vary or modify the OCBC Internet Banking Service (whether in whole or in part) and/or the mode(s), method(s) or channel(s) available for accessing the OCBC Internet Banking Service at any time without notice and without giving any reason therefor and the Bank shall not be liable to the Customer for any loss or damage as a result thereof.

3.6 The Customer shall be wholly responsible for all transactions executed using the OCBC Internet Banking Service and attributable to the Access Credentials (whether such transactions executed using the OCBC Internet Banking Service were authorised by the Customer or not), which shall be binding on the Customer. The Bank may debit the Account(s) with the amount of any withdrawal or transfer in accordance with the Bank's record of transactions. All transactions arising from the use of the OCBC Internet Banking Service to operate designated Joint Account(s) shall be binding on all the Joint Account(s) holders (whether such transactions executed using the OCBC Internet Banking Service were authorised by any or all Joint Account holders or not).

3.7 The Customer shall be responsible for obtaining and using the necessary software and/or equipment necessary to obtain access to the OCBC Internet Banking Service at the Customer's own risk and expense. The Customer shall also be responsible for the performance and security (including without limitation taking all necessary measures to the extent reasonably possible to prevent unauthorised use or access) of any Customer Terminal used by the Customer in connection with the OCBC Internet Banking Service. The Customer represents that the Customer Terminals through which access to the OCBC Internet Banking Service may be effected are free from any electronic, mechanical, data failure or corruption, computer viruses, bugs and/or other harmful or malicious software of any kind whatsoever. The Customer agrees that the Bank is not responsible for any electronic, mechanical failure or corruption, computer viruses, bugs and/or other harmful or malicious software of any kind whatsoever that may be attributable to services provided by any relevant internet service provider or information service provider. The Bank shall be entitled at the Bank's absolute discretion to upgrade, modify or alter the web-site or any software (including mobile applications) used for accessing OCBC Internet Banking Service at any time without notice and without giving any reason therefor. The Bank reserves the right not to support any prior version of software. The Customer shall be solely responsible and liable for all losses and consequences arising from or in connection with any failure by the Customer to comply with any of the foregoing. Without prejudice to the generality of the foregoing, if the Customer fails to upgrade the relevant software or to use the enhanced version of software, the Bank shall not be liable for the consequences resulting therefrom.

3.8 The Customer shall not use electronic mail to send or give instructions or directions to the Bank. The Bank may, but shall not be in any way obliged to, act on any such electronic mail instructions or directions in its sole and absolute discretion.

3.9 The Customer accepts the Bank’s records of transactions as conclusive and binding for all purposes.

3.10 The Customer acknowledges that all proprietary rights relating to and in connection with the OCBC Internet Banking Service (including without limitation the OCBC web-site) and all updates thereof, including without limitation title, trade mark rights, patent rights and copyright shall at all times vest and remain vested in the Bank.

3.11 The Customer understands that the web-site or software (including mobile applications) used for accessing OCBC Internet Banking Service may contain links to web-sites or may embed software controlled or offered by third parties, or enable access to web-sites or software controlled or offered by third parties. The Bank hereby disclaims liability for any information, materials, products or services posted or offered at or by any of these third party web-sites or software. By creating a link or enabling access to these third party web-sites or software, the Bank does not endorse or recommend any product or service offered or information contained on these web-sites or by these software, or information fed by these third parties (including but not limited to stock quotes and foreign exchange rates) nor is the Bank liable for any failure of products or services offered or advertised at or by any of these third party web-sites or software.

3.11A Where the Bank creates links or enables access to other web-sites or software (including mobile applications) controlled or offered by the Bank or third parties through the OCBC Internet Banking Service, the Customer understands that any use or access to such web-sites or software shall be subject to additional terms and conditions of such web-sites or software provided by the Bank or such third parties.

3.12 The Customer agrees that the Bank has granted the Customer only a non-exclusive licence to use the software relating to and in connection with the OCBC Internet Banking Service. This allows the Customer to use such software only for its intended purposes as provided hereunder. The Customer shall not disassemble, de-compile, copy, modify or reverse engineer any such software. Although the Bank shall use reasonable endeavours to ensure that the OCBC Internet Banking Service is secure and cannot be accessed by unauthorised third parties, the Bank does not warrant the security or confidentiality of any information transmitted through the OCBC Internet Banking Service or any relevant internet service provider.

3.13 The Customer consents to the collection, storage, communication and processing of any of the Account(s) balance information by any means necessary for the Bank to maintain appropriate transaction and account records and to the release and transmission to and the retention by the relevant service providers of details of the Account(s), the Access Credentials, transaction information and other information to enable the Customer's use of the OCBC Internet Banking Service (whether in Singapore or elsewhere).

3A.1 In these Terms and Conditions:

(a) “Access Credentials” means the ICode, IPIN, OTP, Fingerprint, Face ID, SingPass Access Means and/or any other form of electronic identification or device, issued, enabled or prescribed by or on behalf of the Bank for use by the Customer in accessing the OCBC Internet Banking Service.

(b) “Customer Terminals” means computers, mobile devices or other access devices (including without limitation television), and shall be deemed to include Registered Mobile Devices.

(c) “Face ID” means each facial identification enrolled by a Face Recognition Feature on a Registered Mobile Device.

(d) “Face Recognition Features” means such third party face recognition features designated as such by the Bank from time to time but shall exclude the ATM Face Verification Access Means.

(e) “Fingerprint” means each fingerprint enrolled by a Fingerprint Recognition Feature on a Registered Mobile Device.

(f) “Fingerprint Recognition Features” means such third party fingerprint recognition features designated as such by the Bank from time to time.

(g) “OTP” means each one-time password valid for one session or transaction which will be issued by the Bank through the Security Device or delivered to the Customer’s designated telephone number via Short Message Service (SMS), or otherwise generated by or delivered via any other device, delivery channel or any means whatsoever, designated by the Bank at any time from time to time in its sole and absolute discretion.

(h) “Registered Mobile Devices” means Bank-prescribed mobile devices enabled with the Fingerprint Recognition Features or Face Recognition Features, which have been registered by the Bank for certain aspects, features or services of the OCBC Internet Banking Service or other services prescribed by the Bank, in respect of an Account or Accounts of a particular Customer.

(i) “Security Device” means any hardware, token or device that may be issued by or on behalf of the Bank, at any time from time to time in its sole and absolute discretion, for the purposes of authenticating the Customer’s access and/or use of the OCBC Internet Banking Service.

(j) “Transaction Signing” means the security measure which may require you to key in transaction-specific information (e.g. payee account number, payment amount) into a Security Device to generate an OTP in order to proceed with such transaction.

(k) “Speech Recognition Features” means such third party speech recognition features designated as such by the Bank from time to time, for purposes that include the OCBC Banking Assistant voice banking service.

3A.2 The Customer shall comply with all requirements, instructions and specifications relating to Security Devices and/or Access Credentials (including without limitation any registration and activation procedures) as may be prescribed by the Bank at any time and from time to time in its sole and absolute discretion. Without prejudice to the generality of the foregoing, the Customer shall at no time (i) activate or attempt to activate or register a Security Device issued to another person to the Customer's ICode or (ii) permit a Security Device issued to the Customer to be activated or registered to the ICode of another person.

3A.3 The Customer shall not reveal the Access Credentials to any other party and shall take all necessary steps to prevent disclosure of the Access Credentials to any other party. The Customer shall at no time and under no circumstances permit any Security Device issued to the Customer to fall into the possession or under the control of any other person. The Customer shall be solely responsible and liable for all losses and consequences arising from or in connection with any failure by the Customer to comply with any of the foregoing.

3A.4 The Customer shall immediately notify the Bank (i) if a Security Device issued to Customer is lost or fails to function as intended, (ii) if the Customer has any knowledge or reason for suspecting that the security or confidentiality of any Access Credential or Security Device or Customer Terminal used by the Customer for the generation and/or reception of Access Credentials has been compromised or if there has been any unauthorised use of any Access Credentials or Security Device or such Customer Terminal or (iii) of any loss, replacement and/or change of number, as the case may be, of any mobile phone or other Customer Terminal or other device (as the case may be) used by the Customer for the generation and/or reception of Access Credentials. The Customer shall be solely responsible and liable for all losses and consequences arising from or in connection with any failure by the Customer to comply with any of the foregoing.
 
3A.5 Where a Security Device issued to the Customer fails to function properly, the Bank's only obligation in respect of such Security Device shall be to replace the same with a new Security Device upon payment by Customer of a fee which shall be determined by the Bank in its sole and absolute discretion, save where the Bank is satisfied in its sole and absolute discretion that there is no contributory act or omission on the Customer's part causing or contributing to the Security Device's failure to function properly. Where a Security Device is lost by the Customer, the Bank may replace the same upon payment by Customer of a fee which shall be determined by the Bank in its sole and absolute discretion.
 
3A.6 The Security Devices and the Access Credentials are provided on an “as is” and “as available” basis. The Bank shall have no liability in relation to any Security Device, Access Credentials or other device or delivery channel designated by the Bank for use for the generation, delivery and/or receipt for Access Credentials including, without limitation, liability for breach of any implied term as to satisfactory quality, merchantability or fitness for purpose and any loss or damages incurred or suffered arising from any failure by the Customer to keep secure and/or use the Security Device, Customer Terminal or other device in accordance with any instructions and other terms of the Bank. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, satisfactory quality, security or fitness for a particular purpose, is given in conjunction with the Security Devices, Access Credentials or other device or delivery channel designated by the Bank for use for the generation, delivery and/or receipt for Access Credentials.
 
3A.7 The Bank shall be entitled at its sole and absolute discretion at any time from time to time to cancel without notice the use, or require the replacement or modification, of any Security Device, Customer Terminal or other device or delivery channel designated by the Bank for use for the generation, delivery and/or reception of Access Credentials without giving any reason therefor and the Bank shall not be liable to the Customer for any loss or damage as a result thereof.
 
3A.8 All Security Devices provided to the Customer are and shall remain the property of OCBC Bank and the Customer shall return all Security Devices promptly upon request by OCBC Bank or upon cancellation or termination of OCBC Internet Banking Service. Security Devices must not be altered, tampered with, disassembled or in any way copied or modified, and must not be dealt with or exploited in any way. 

3A.9 Notwithstanding any other agreement to the contrary, the Customer hereby consents for the Bank to disclose any information relating to the Customer or the Customer's Account to any of the Bank's subsidiaries, branches, agents, correspondents, agencies and representative offices which has a legitimate business purpose for obtaining such information, including without limitation offering the Customer products or services involving the use of any Security Device or Access Credential.

Registered Mobile Device

3A.10   Certain aspects, features or services of the OCBC Internet Banking Service or other specific services prescribed by the Bank are only available for use on Registered Mobile Devices. To access such aspects, features or services, the Customer is required to activate the relevant aspect, feature or service by registering the relevant Customer Terminal for such aspects, features or services, in accordance with the Bank’s latest instructions, procedures and directions.

3A.11 The Bank owes no duty to verify that each Fingerprint or Face ID is the fingerprint or facial identification of the Customer, or that verbal instructions given under the OCBC Banking Assistant voice banking service is the voice of the Customer. All use and access of such aspects, features or services referable to any Fingerprint or Face ID (whether such access or use is authorised by the Customer or not) shall be deemed to be use or access of such aspects, features or services by the Customer.

3A.12 The Customer agrees that the Fingerprint Recognition Feature, the Face Recognition Feature and the Speech Recognition Feature (as the case may be) are proprietary to third parties, and that its use shall be in accordance with the applicable terms and conditions of the third party provider of the relevant Fingerprint Recognition Feature, Face Recognition Feature and the Speech Recognition Feature (as the case may be). The Bank shall have no liability or responsibility for any loss, damage, penalties or expenses arising directly or indirectly in connection with the use of any Fingerprint Recognition Feature, Face Recognition Feature, or Speech Recognition Feature (as the case may be) in conjunction with such aspects, features or services.

3A.13   The Customer shall not enrol any third party fingerprint or facial identification or permit any third parties to enrol their fingerprints or facial identifications on the Registered Mobile Device, as doing so may enable such third parties to access the Customer’s Account through the OCBC Internet Banking Service or such other specific services prescribed by the Bank. Moreover, the Customer shall delete any third party fingerprints or facial identifications enrolled onto a mobile device prior to activating the relevant Fingerprint Recognition Feature or Face Recognition Feature for use in conjunction with the OCBC Internet Banking Service on the relevant mobile device.

3B.1 The Bank at its discretion may provide the OCBC Alert Notification Service (which includes, without limitation, the OCBC eAlerts Service (or by whatever name designated to it in the future) through electronic mail, facsimile, SMS or such other media as the Bank may deem appropriate.

3B.2 The scope and features of the OCBC Alert Notification Service shall be as determined or specified by the Bank from time to time. The Bank shall be entitled to modify, expand or reduce the OCBC Alert Notification Service at any time and from time to time without notice as the Bank may deem fit without assigning any reason therefore.

3B.3 Any notification provided by the Bank under the OCBC Alert Notification Service shall be transmitted or otherwise made available to the Customer at such times as the Bank may reasonably deem fit.

3B.4 The Bank may contract with one or more third parties to provide, maintain or host the OCBC Alert Notification Service. The Customer acknowledges that, in providing the OCBC Alert Notification Service, the Bank will have to release and transmit the Customer’s information (including information relating to the Customer’s account(s) with the Bank) to such third parties. The Customer hereby agrees and consents to such release and transmission of its information to such third parties. The Customer further acknowledges that its information may be placed and stored in servers outside the Bank’s control and agrees that the Bank shall have no liability or responsibility for such storage.

3B.5 A notification under the OCBC Alert Notification Service shall be considered to be sent by the Bank upon the broadcast of the notification by the third party to the contact particulars designated by the Customer for the purposes of the OCBC Alert Notification Service, regardless of whether such notification is actually received by the Customer. The Bank does not guarantee receipt of any notification under the OCBC Alert Notification Service by the Customer and the Customer understands and agrees that the Customer’s use of the OCBC Alert Notification Service is at the Customer’s own risk.

3B.6 The Customer shall notify the Bank immediately of any change in its contact particulars designated by the Customer for the purposes of the OCBC Alert Notification Service. Where the Customer fails to inform the Bank of such change, the Bank shall not be responsible for any loss, damage or other consequence which the Customer may suffer as a result of any notification being sent to the Customer’s latest designated contact particulars in the Bank’s records.

3B.7 All references to a time of day in any notification sent by the Bank under the OCBC Alert Notification Service are to Singapore time (unless otherwise specified by the Bank).

3B.8 All notifications under the OCBC Alert Notification Service shall be from the Bank to the Customer only and the Customer should never attempt to communicate with the Bank by directing any communication to the sender’s contact number, address or other particulars which may be indicated on the notification.

3B.9 The Customer agrees that the Bank, its directors, officers, employees and agents are not responsible for any losses or damages, including legal fees, that may arise, directly or indirectly, in whole or in part, from: (a) the non-delivery, delayed delivery, or the misdirected delivery of a notification under the OCBC Alert Notification Service; (b) any inaccurate or incomplete content in a notification under the OCBC Alert Notification Service; or (c) the reliance by the Customer on or use of the information provided in a notification under the OCBC Alert Notification Service for any purpose.

3C.1 Without any admission of liability under any other provision of these Terms and Conditions, the Bank guarantees a full refund of any money that has transferred from a Customer’s Account via the OCBC Internet Banking Service, due to online fraud perpetrated by way of malicious software or viruses, subject to this Clause 3C (the "Guarantee").

3C.2 The Customer can only make a claim on the Bank under the Guarantee provided the following conditions have been complied with:-

(a) The Customer has kept the Access Credentials and Security Device (his 2- factor authentication token) completely confidential and secure at all times.

(b) The Customer has not given his security details (including, the Access Credentials and Security Device) to any third party persons or web-sites.

(c) The Customer equips his personal computer and mobile devices with the latest anti-virus, anti-malware and firewall software and the installed software is regularly updated and run with latest anti-virus signatures.

(d) The Customer does not jailbreak, root or modify his mobile device, or install illegitimate mobile applications as this may render the device more prone to viruses and malware.

(e) The Customer updates the Bank immediately when there is a change in contact details such as mobile number and email address, for the purposes of receiving SMS alerts or e-mail notifications for online banking transactions and activities.

(f) In the circumstance where the Customer receives SMS or email alert(s) or notification(s) for transactions which he did not perform or is alerted on a change of daily withdrawal limit or the adding of a beneficiary for transfer to an account which is not authorised by the Customer, the Customer must inform the Bank immediately by calling the Bank’s customer service hotline.

(g) The Customer does not use account services offered by third parties (other than the Bank) to access his banking accounts with the Bank (including account aggregation services provided by other financial institutions).

(h) The Customer only downloads the OCBC Mobile Banking application from OCBC-designated sources.

(i) The Customer informs the Bank the instant he is aware of any suspected fraud through his Account, including any compromise or loss of any of the Access Credentials and/or Security Devices.

(j) The Customer has adhered to and complied with the safe security practices required by the Bank (described on Safeguarding Your Online Banking Access).

(k) The Customer monitors his record of transactions regularly, and reports discrepancies to the Bank within 14 days from the date of his Statement of Account.

(l) The Customer informs the Bank the instant he is aware of any suspected fraud through his Account, including any compromise or loss of his Access Code, PIN, Security Code and/or Security Device.

(m) The Customer furnishes the Bank all information requested by the Bank and provides his full co-operation to the Bank, including working with relevant authorities.

(n) The Customer complies with any and all of the procedures, requirements, restrictions, instructions or any additional conditions from the Bank pertaining to the access and use of the OCBC Internet Banking Service as may be issued by OCBC from time to time and/or posted on-line.

3C.3 The Guarantee does not apply to the following:-

(a) wealth management investment accounts and OCBC securities trading services;

(b) transactions which were carried out with the knowledge and consent of the Customer, or transactions where the Customer has acted fraudulently, dishonestly or in a criminal manner, alone or with others;

(c) capital gains, income and profits of any kind that might have been earned on any transaction that could not be completed as a consequence of the fraud;

(d) any direct, indirect, incidental, punitive, special or consequential damages or economic loss, loss of profits, legal fees or loss of opportunity howsoever caused; and

(e) loss of any interest, foreign exchange losses, overdraft charges and returned cheque fees that may incur.

3C.4 The Guarantee may be suspended or withdrawn immediately by the Bank at any time by notice in writing.

3D.1 In these Terms and Conditions:

1. “SingPass Access Means” means such authentication, configuration, use and/or access procedures of the SingPass Platform enabled by the Bank to identify the Customer and/or for the purposes of allowing access to and/or use of the OCBC Internet Banking Service, as the case may be; and
2. “SingPass Platform” means the electronic identification service of the Government of Singapore known as "SingPass" as accessible through devices, websites, applications channels or platforms, as may be designated by the Government of Singapore from time to time.

3D.2 To use the SingPass Access Means, the Customer needs to have a valid account on the SingPass Platform and access to the SingPass Platform.

3D.3 Without prejudice to any other terms and conditions, the SingPass Access Means is provided ‘as-is’ for the Customer’s convenience and the SingPass Platform is owned and/or operated by third parties. The SingPass Platform and the SingPass Access Means are not under the Bank’s control and the Bank is not liable for any errors, omissions, delays, defamation, libel, slander, falsehood, obscenity, pornography, profanity, inaccuracy or any other objectionable material contained in the contents, or the consequences of using and/or accessing, the SingPass Platform and/or the SingPass Access Means. The Bank does not endorse or verify the SingPass Platform or the SingPass Access Means and the Customer agrees that his or her access to or use of such SingPass Platform and/or SingPass Access Means is entirely at the Customer’s own risk.

3D.4 Without prejudice to any other terms and conditions, the Bank shall not be liable to the Customer for any loss, damages or expenses (including any direct, indirect, incidental, special, consequential or punitive damages or economic loss or any claims for loss of profits or loss of use) whatsoever or howsoever caused (regardless of the form of action) arising directly or indirectly in connection with any access, use and/or inability to access or use the SingPass Platform and/or the SingPass Access Means.

3D.5 The Customer acknowledges that certain aspects, features or services of the OCBC Internet Banking Service or other specific services of the Bank may not be available to the Customer if the Customer’s access to the relevant service (including the OCBC Internet Banking Service) is via the SingPass Access Means. To access such aspects, features or services, the Customer may be required to further input and/or use other Access Credentials in accordance with the Bank’s latest instructions, procedures and directions.

3D.6 The Customer shall immediately notify the Bank if the Customer has any knowledge or reason for suspecting that the security or confidentiality of his / her SingPass Access Means has been compromised.

3E.1     In these Terms and Conditions:

1. “ GroupCo” means a subsidiary or related corporation of the Bank. A list of subsidiaries and related corporations of the Bank is accessible at https://www.ocbc.com/group/who-we-are/group-business.html;
2. “GroupCo Access Credentials” means any electronic identification or device prescribed by or on behalf of a GroupCo for use by the Customer in accessing and/or using the GroupCo Services;
3. “GroupCo Account” means any and all accounts opened by and/or continued to be maintained by the Customer with a GroupCo;
4. “GroupCo Services” means the services offered and provided by a GroupCo in relation to a GroupCo Account;
5. “OCBC Access Credentials” means any form of electronic identification or device, issued or prescribed by or on behalf of the Bank for use by the Customer in accessing and/or using the OCBC Internet Banking Service; and
6. “OCBC Account” means such account(s) which the Customer may have with the Bank whether alone or jointly with any other person(s) and includes savings accounts, current account, time deposits, structured deposits and any other type of account which may be offered by the Bank from time to time.

3E.2 The Customer acknowledges and consents that the Bank has the absolute discretion, but not the obligation, to link the Customer’s GroupCo Account with the OCBC Internet Banking Service, which is provided to Customers with OCBC Account(s) (the “OCBC Internet Banking Linkage”). GroupCo and Bank will be sharing certain information for the purposes of determining whether the Customer is a common customer of the GroupCo and Bank, the establishment of the OCBC Internet Banking Linkage, and/or in connection with other aspects of the OCBC Internet Banking Linkage.

3E.3 Clauses 3.7, 3.11, 3A and 6.2 of these Terms and Conditions shall be applicable to the OCBC Internet Banking Linkage and shall be read as if references to “OCBC Internet Banking Service” includes “OCBC Internet Banking Linkage”.

3E.4 The OCBC Internet Banking Linkage enables the Customer to gain access to information of the relevant GroupCo Account and to access and/or use the GroupCo Services, via the OCBC Internet Banking Service, through the Customer’s signing in to only the OCBC Internet Banking Service (i.e. the Customer is not required to further sign in using the GroupCo Access Credentials). To access and/or use such aspects, features or services of the OCBC Internet Banking Linkage, the Customer is required to activate the OCBC Internet Banking Linkage by accepting the terms and conditions for the OCBC Internet Banking Linkage, in accordance with the GroupCo’s and the Bank’s latest instructions, procedures and directions.

3E.5 The Customer agrees to, and will access and/or use the GroupCo Services according to, the terms and conditions governing the Customer’s access and/or use of the GroupCo Services. The Customer agrees that it is the Customer’s responsibility to check and read the most up-to-date versions of the terms and conditions governing the access and/or use of the GroupCo Services and the Customer is hereby deemed to have notice of the same.

3E.6 Where the relevant GroupCo Services enables the Customer to effect transactions (which may include, without limitation, trading transactions), the Customer shall be wholly responsible for all transactions effected through the use of the OCBC Internet Banking Service which are referable to the OCBC Access Credentials, whether or not such transactions are made with the Customer’s knowledge, authority or consent. The Bank shall have no liability or responsibility for any loss, damage, penalties or expenses arising directly or indirectly in connection with the Customer’s use of the OCBC Internet Banking Linkage that is referable to the OCBC Access Credentials. The Customer further acknowledges that the Bank is not responsible for any transactions or communications made between the Customer and GroupCo and/or between the Customer and third parties via the GroupCo Services. All transactions arising from the use of the OCBC Internet Banking Service to operate designated joint account(s) shall be binding on the joint account(s) holders (whether such transactions executed using the OCBC Internet Banking Service were authorised by any or all joint account holders or not).

3E.7 Information Sharing

(a) The Customer consents to the release and transmission to and the use and retention by the relevant GroupCo of details of its OCBC Account (including accounts that may be opened in the future with the Bank) and other information necessary for or relevant to the provision of the OCBC Internet Banking Linkage (including the verification of the Customer’s identity).

(b) The Customer consents to the release and transmission to and the use and retention by the Bank of details of its GroupCo Account (including accounts that may be opened in the future with GroupCo) and other information necessary for or relevant to the provision of the OCBC Internet Banking Linkage (including the verification of the Customer’s identity).

(c) Information sharing for the purposes of the OCBC Internet Banking Linkage shall include (but shall not be limited to) the following types of information: (i) the fact that the Customer has a GroupCo Account or (as the case may be) OCBC Account and user IDs comprised in the GroupCo Access Credentials or (as the case may be) OCBC Access Credentials; (ii) the Customer’s identification document issuing country; (iii) the Customer’s date of birth; (iv) unless prohibited by mandatory laws, the Customer’s identification number; (v) the Customer’s most up-to-date contact details (including the Customer’s e-mail address, mobile number, home number and address); and (vi) your other personal data.

3E.8 The Customer acknowledges that certain aspects, features or services of the relevant GroupCo Services may not be available for access and/or use through the OCBC Internet Banking Linkage. To access such aspects, features or services, the Customer may be required to sign in using its GroupCo Access Credentials or access the GroupCo Services directly from the relevant GroupCo platform (e.g. GroupCo’s mobile application or website), in accordance with the Bank’s and/or the GroupCo’s latest instructions, procedures and directions.

3E.9 Without prejudice to any of the Bank’s rights and remedies, the Bank reserves the right to terminate or suspend the Customer’s access to and use of the OCBC Internet Banking Linkage at its sole discretion and without prior notice to the Customer.

3F.1 In these terms and conditions:

1. “Electronic Signature” means the electronic signature captured or recorded through the Electronic Signature Feature in such form as may be prescribed by the Bank (including but not limited to graphical signatures captured via a touch screen, stylus or mouse).
2. “Electronic Signature Feature” means the interface, feature or processes adopted by the Bank to facilitate electronic signing of documents by the Customer in connection with the access and use of the OCBC Internet Banking Service.
3. “Signature Specimen” means the specimen or initial Electronic Signature that is attributed to the Customer within the Bank’s records, which may be obtained by the Bank as part of the on-boarding of the Customer for OCBC Internet Banking Service or any part thereof, or as the Bank may require the Customer to generate or provide from time to time.

3F.2 Where Bank offers Electronic Signature Feature to effect banking and/or other transactions:
(a) The Bank may, in its sole discretion, make available to the Customer the Electronic Signature Feature, as part of the OCBC Internet Banking Service, for the Customer to sign certain documents via electronic means.

(b) Authentication Step: Prior to the Bank making available the Electronic Signature Feature to the Customer, the Customer may be required to complete an authentication step through such means as may be prescribed by the Bank from time to time (such as the correct input and/or use of the Customer’s Access Credentials).

(c) Once the Customer has completed the authentication step described above, the Bank may in its discretion provide the Electronic Signature Feature to the Customer as follows:

(d) Signature Specimen: In order for the Customer to use the Electronic Signature Feature, the Bank may require the Customer to have a Signature Specimen on record with the Bank. The Customer acknowledges that the Bank shall not be obliged to make available the Electronic Signature Service to the Customer where the Bank does not have in its records the Signature Specimen.

(e) The Customer agrees and acknowledges that when the Customer uses Electronic Signature Feature for electronic signing, the Customer may be entering into contracts, authorising transactions or giving instructions that may be legally binding. The Customer understands that it shall give careful consideration before proceeding with the use of the Electronic Signature Feature.

(f) Where the Electronic Signature Feature enables the Customer to effect banking and/or other transactions, the Customer shall be wholly responsible for all transactions effected through the use of the Electronic Signature Feature which are referable to the Electronic Signature, whether or not such transactions are made with the Customer’s knowledge, authority or consent. The Bank shall have no liability or responsibility for any loss, damage, penalties or expenses arising directly or indirectly in connection with the Customer’s use of the Electronic Signature Feature that is referable to the Electronic Signature. All transactions arising from the use of the Electronic Signature Feature to operate designated joint account(s) shall be binding on the joint account(s) holders (whether such transactions executed using the Electronic Signature Feature were authorised by any or all joint account holders or not).

(g) Without prejudice to any of the Bank’s rights and remedies, the Bank reserves the right to terminate or suspend the Customer’s access to and use of the Electronic Signature Feature (or any part thereof) at its sole discretion and without prior notice to the Customer.

3G.1 In these Terms and Conditions, “GroupCo Platform” means such website, software (including mobile applications) or other electronic platform owned and/or operated by or on behalf of a GroupCo through which such GroupCo offers and/or provides its GroupCo Services from time to time.

3G.2 The Customer acknowledges and consents that the Bank has the absolute discretion, but not the obligation, to provide the OCBC Internet Banking Service or any part thereof via a hyperlink and/or frame on a GroupCo Platform from time to time (such hyperlink and/or frame, the “GroupCo Platform Access Feature”). The Customer also acknowledges that the Bank has the absolute discretion to determine the manner of presentation of the GroupCo Platform Access Feature (as it appears on the relevant GroupCo Platform). To access and/or use the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature, the Customer needs to have a valid GroupCo Account (with the relevant GroupCo) and be a valid user of the OCBC Internet Banking Service. The relevant GroupCo and the Bank will be sharing certain information for the purposes of determining whether the Customer is a common customer of such GroupCo and Bank and to enable the Bank to provide the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature.

3G.3 This Clause 3G shall apply to the Customer’s access and/or use of the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature to the Customer and to instructions and orders given by the Customer through the GroupCo Platform Access Feature.

3G.4 Access and/or use of the OCBC Internet Banking Service via the GroupCo Platform Access Feature

• To access and/or use the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature, the Customer is required to sign in to the GroupCo Platform using the relevant GroupCo Access Credentials (and such sign-in, together with the use of the GroupCo Platform Access Feature, will also serve as the Customer’s sign-in to the OCBC Internet Banking Service) and is not required to further sign in using his Access Credentials.
• Prior to any access and/or use of the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature, the Bank may require the relevant GroupCo to provide confirmation to the Bank that the correct GroupCo Access Credentials have been used to access the GroupCo Platform. The Bank is not obliged to process any instruction, order or input referable to any security credentials that have not been confirmed by the relevant GroupCo.
• All records of transactions, order entries, keystrokes or other data input from the Customer generated by the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature and/or recorded, kept or maintained by the Bank shall be binding on the Customer and shall be conclusive evidence of the Customer’s input. All transactions arising from the use of the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature to operate designated joint account(s) shall be binding on the joint account(s) holders (whether such transactions executed using the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature were authorised by any or all joint account holders or not).
• The Customer shall be bound by any access and/or instruction, order or input referable to the relevant GroupCo Access Credentials in respect of all communications and transactions in relation to the OCBC Internet Banking Service or any part thereof through the GroupCo Platform Access Feature and the Customer agrees that the relevant GroupCo shall be entitled to act upon, rely on and/or hold the Customer responsible in respect thereof as if the same were carried out or transmitted by the Customer. The Customer agrees that any instruction, order or input referable to the relevant GroupCo Access Credentials as confirmed to the Bank by the relevant GroupCo (whether such instruction, order or input is authorised by the Customer or not) is irrevocable and binding on the Customer upon transmission through the GroupCo Platform Access Feature and the Bank shall be entitled (but not obliged) to effect, perform or process such instruction, order or input which the Bank has received through the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature without the Customer’s further consent and without further reference or notice to the Customer. Without prejudice to the foregoing, all references to “Access Credentials” in Clauses 3.1, 3.3, 3.6, 3A.4, 3C.2(a), 3C.2(b), 3C.2(i) and 6.2(b) of these Terms and Conditions shall be deemed to, in respect of the Customer’s access and/or use of the OCBC Internet Banking Service via the GroupCo Platform Access Feature, include the relevant GroupCo Access Credentials.

3G.5 The Customer agrees to, and will access and/or use the GroupCo Platform and GroupCo Services according to such terms and conditions as may be prescribed by the relevant GroupCo in relation to the access and/or use of the GroupCo Platform and GroupCo Services.

3G.6 The Customer agrees that any and all provisions relating to his access and/or use of the OCBC Internet Banking Service or any part thereof shall continue to apply where instructions (including instructions relating to any transactions) are issued, transmitted and/or received through the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature.

3G.7 Information Sharing

(a) The Customer consents to the release and transmission to and the use and retention by the relevant GroupCo of details of its OCBC Account (including accounts that may be opened in the future with the Bank) and other information necessary for or relevant to the establishment of the GroupCo Platform Access Feature and/or the provision of the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature (including the verification of the Customer’s identity).

(b) The Customer consents to the release and transmission to and the use and retention by the Bank of details of its GroupCo Account (including accounts that may be opened in the future with GroupCo) and other information necessary for or relevant to the establishment of the GroupCo Platform Access Feature and/or the provision of the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature (including the verification of the Customer’s identity).

(c) Information sharing for the purposes of the establishment of the GroupCo Platform Access Feature and/or the provision of the OCBC Internet Banking Service or any part thereof via the GroupCo Platform Access Feature shall include (but shall not be limited to) the following types of information: (i) the fact that the Customer has a OCBC Account or (as the case may be) GroupCo Account and user IDs comprised in the Access Credentials or (as the case may be) relevant GroupCo Access Credentials; (ii) customer information file numbers of the Customer in respect of the Customer’s OCBC Account or (as the case may be) relevant GroupCo Account; and (iii) the Customer’s other personal data.

3G.8 The Customer acknowledges that certain aspects, features or services of the OCBC Internet Banking Service or any part thereof may not be available for access and/or use through the GroupCo Platform Access Feature. To access such aspects, features or services, the Customer may be required to sign in using the Access Credentials or access the OCBC Internet Banking Service or any part thereof directly through such other electronic means as may be prescribed by the Bank from time to time, in accordance with the Bank’s latest instructions, procedures and directions.

3G.9 The Customer agrees and acknowledges that the relevant GroupCo reserves the right to terminate or suspend his access to and use of the GroupCo Platform Access Feature at its sole discretion and without prior notice to the Customer.

3H.1 The terms and conditions in Clause 3HA (“Payer Terms”) and Clause 3HB (“Recipient Terms”) apply to and regulate the Customer’s use of the OCBC Mobile Banking Transaction Service (“MB Transaction Service”). The MB Transaction Service allows (i) a Customer (the “Payer”) to issue request(s) (each a "Transaction Request"), using the OCBC Mobile Banking application, to effect various banking transactions, including the transfer of an amount specified by the Payer ("Transfer Amount") from the Payer’s Account or from any Card Account (“Card Account” in the Payer Terms shall mean the account designated and maintained by the Bank in relation to any credit or debit card bearing the name VISA or Mastercard and/or the service mark of VISA or Mastercard, issued by the Bank to the Payer) to the Payer’s designated recipient (“Recipient”), or the withdrawal of cash from the Payer’s OCBC bank account, and (ii) the Recipient to receive the Transfer Amount from a Payer who has requested the Bank to transfer the Transfer Amount to the Recipient (each such banking transaction effected by the Payer, the Recipient’s request to receive and the transfer to the Recipient of the Transfer Amount, the “MB Transaction”).

3H.2 The term "MB Transaction Service" shall be deemed to include any notifications, communications or services referred to in the Payer Terms, the Recipient Terms and/or any services, functions and features made available through such part of the Electronic Banking Services which relates to or forms part of any MB Transaction. For the avoidance of doubt, the "Electronic Banking Services" shall mean the OCBC Internet Banking Service, OCBC Mobile Banking Service, OCBC Phone Banking Service, OCBC ATM Service and/or any other services provided or made available under these Terms and Conditions.

3HA. Terms and conditions for Payers

Introduction

3HA.1 These Payer Terms apply to and regulate the Payer’s use of the MB Transaction Service.

3HA.2 The MB Transaction Service allows the Payer to request for the following types of MB Transactions to be carried out:

1. transactions where the Recipient is identified through registered proxy in the PayNow register, whether or not the Payer registered under the OCBC PayNow Service (“PayNow Transactions”);
2. transactions where the Recipient is identified through registered proxy under the relevant Overseas Payment Initiative (as defined in the Terms and Conditions for Funds Transfer via the OCBC Cross-Border PayNow Service), whether or not the Payer is registered under the OCBC Cross-Border PayNow Service (as defined in the Terms and Conditions for Funds Transfer via the OCBC Cross-Border PayNow Service) (“Cross-Border PayNow Transactions”);
3. transactions effected via the use of a unique two-dimensional barcode ("QR and other Barcode") ("QR and other Barcode Transactions");
4. transactions initiated on an authorised third-party application ("Third-party App") where the Transfer Amount is to be transferred to the Third-party App provider for payment to the Recipient through such Third-party App ("Third-party App Transactions"); and
5. such other means as prescribed by OCBC.

3HA.3 These Payer Terms are in addition to and shall be read in conjunction with:

1. PayNow Transactions: where the relevant MB Transaction is a PayNow Transaction, the Terms and Conditions for Funds Transfers through the PayNow Service, provided that in the event of any conflict or inconsistency, the Terms and Conditions for Funds Transfers via the PayNow Service shall prevail over these Payer Terms to the extent of such conflict or inconsistency;
2. Cross-Border PayNow Transactions: where the relevant MB Transaction is a Cross-Border PayNow Transaction, the Terms and Conditions for Funds Transfers via the OCBC Cross-Border PayNow Service, provided that in the event of any conflict or inconsistency, the Terms and Conditions for Funds Transfers via the OCBC Cross-Border PayNow Service shall prevail over these Payer Terms to the extent of such conflict or inconsistency; and
3. QR Transactions: where the relevant MB Transaction is a QR Transaction, the Terms and Conditions for MB Transactions via QR Service, as set out in Clause 3HC.

3HA.4 The Payer must accept and agree to these Payer Terms, these Terms and Conditions and the Terms and Conditions for Funds Transfers via the OCBC PayNow Service and Terms and Conditions for Funds Transfers via the OCBC Cross-Border PayNow Service before the Payer is able to use the MB Transaction Service. By accepting and agreeing to these Payer Terms, the Payer acknowledges and agrees that the Payer successfully opted-in for the MB Transaction Service and unless the Bank prescribes otherwise, will be able to perform certain ad-hoc transfers of funds without the need for any further security or authorisation step (including Transaction Signing) or to set up a pre-authorised account for such transfers. The Bank may still impose further security or authorisation steps (including Transaction Signing) for certain types of transfers of funds at its sole discretion (e.g. for certain transactions that the Bank deems are high risk transactions). To use the MB Transaction Service, the Payer will need to:

1. be a retail customer of the Bank and be a valid user of the OCBC Internet Banking Service;
2. have installed the OCBC Mobile Banking application, on the Payer’s Registered Mobile Device;
3. have a valid and active Singapore dollar current or savings Account with the Bank; and
4. comply with these Payer Terms.

Third-party App Transactions

3HA.5 If the Payer wishes to initiate a Third-party App Transaction, the Payer may do so by selecting "OCBC Digital" as the payment method in the Third-party App. Following such selection, the Payer will be automatically directed to the log-in page of the OCBC Mobile Banking application. The Payer will be required to log in to the OCBC Mobile Banking application by entering the Payer’s Access Credentials.

3HA.6 If the Payer’s Access Credentials are successfully verified, the Payer will be shown (via a display on the OCBC Mobile Banking application) the details of the intended Third-party App Transaction such as the details of the merchant that is the intended Recipient, the Transfer Amount, and the Payer’s OCBC account(s) or Card Account(s) from which the Payer may transfer the Transfer Amount.

3HA.7 In order to submit the Transaction Request, the Payer will be required to select an eligible OCBC account or Card Account(s) from which the Payer wishes to transfer the Transfer Amount and to follow any further steps prescribed by the Bank via the OCBC Mobile Banking application (and/or where applicable the Third-party App), including (where relevant) performing Transaction Signing in accordance with the instructions displayed on the OCBC Mobile Banking application. Before submitting a Transaction Request, the Payer is responsible for checking the name of the merchant displayed on the OCBC Mobile Banking application (and/or where applicable the Third-party App) and for ensuring that the relevant merchant is the intended Recipient of the funds.

Miscellaneous

3HA.8 The Payer is responsible for ensuring, and the Payer warrants, the truthfulness, accuracy and completeness of all information provided in respect of all Transaction Request(s) made, submitted or issued by the Payer (or purported to be made, submitted or issued by the Payer), including but not limited to the Recipient's contact details or UEN.

3HA.9 Once a Transaction Request has been submitted, it will be deemed irrevocable and the Payer will not be able to withdraw, cancel or make any changes to such Transaction Request. Depending on the nature of the Transaction Request and where permitted by the Bank, the Payer may be able to submit a new Transaction Request to supersede the submitted Transaction Request.

3HA.10 The Bank shall be entitled, at its absolute discretion, to reject or refuse to accept or process or to cancel any Transaction Request or MB Transaction and shall not be required to give any reason for the same.

3HA.11 The Transfer Amount that may be transferred by the Payer (whether pursuant to a single or multiple Transaction Requests) is subject to the aggregate daily limits as set out in Clause 3HA.9.

3HA.12 In relation to Cardless ATM Cash Withdrawals via OCBC Mobile Banking Service through the OCBC Mobile Banking application, the amount that the Payer may withdraw (whether pursuant to a single or multiple Transaction Requests), together with the amounts the Payer may withdraw in relation to Cardless ATM Cash Withdrawals via PAO Service through the OCBC Pay Anyone™ Application, is subject to a shared aggregate daily limit of S$1,000.

3HA.13 In relation to PayNow Transactions and Non-PayNow QR Transactions (where the relevant Third Party Provider (as defined in the Terms and Conditions for MB Transactions via QR Service) is NETWORK FOR ELECTRONIC TRANSFERS (SINGAPORE) PTE. LTD. (“NETS”)), the amount that the Payer may transfer (whether pursuant to a single or multiple Transaction Requests), together with the amounts the Payer may transfer in relation to PayNow Transactions (as defined in the Terms and Conditions for OCBC Pay Anyone™ Service for Payers) and Non-PayNow QR Transactions (as defined in the Terms and Conditions for OCBC Pay Anyone™ via QR Service) (where the relevant Third Party Provider (as defined in the Terms and Conditions for OCBC Pay Anyone™ via QR Service) is NETS), via PAO Service through the OCBC Pay Anyone™ Application, is subject to a default shared aggregate daily limit of S$1,000, and should the Payer choose to update such shared aggregate daily limit, up to a maximum shared aggregate daily limit of S$200,000 (S$300,000 for Premier customers and above).

3HA.14 In relation to any other MB Transaction not described above, including Cross-Border PayNow Transactions, the amount that the Payer may transfer (whether pursuant to a single or multiple Transaction Requests), is subject to a shared aggregate daily limit of S$1,000.

This limit is reset at midnight (Singapore time) daily. The Bank may, at its absolute discretion, alter any limit or impose additional limits on the Transfer Amount(s) that may be transferred by the Payer, whether on a per transaction basis, per type of MB Transaction basis, or an aggregated basis, without prior notice to the Payer.

Please refer to this table for the various daily transaction limits described above.

3HA.15 In relation to each MB Transaction:

1. The Payer hereby instructs and authorises the Bank to debit the Payer’s Account and transfer or procure the transfer of the Transfer Amount to the bank account or e-wallet (as the case may be):
   1. linked to the relevant registered proxy in PayNow (in the case of a PayNow Transaction);
   2. linked to the relevant registered proxy in the relevant Overseas Payment Initiative (as defined in the Terms and Conditions for Funds Transfer via the OCBC Cross-Border PayNow Service) (in the case of a Cross-Border PayNow Transaction);
   3. linked to the QR and other Barcode (in the case of a QR and other Barcode Transaction, except ATM QR and other Barcode Transactions);
   4. designated by the Third-party App provider, for the payment to the relevant merchant (in the case of a Third-party App Transaction); or
   5. such other means prescribed by the Bank from time to time.
2. The Payer acknowledges and agrees that the Bank need not process the MB Transaction or transfer the Transfer Amount if there are insufficient funds in the Payer’s Account.
3. The Bank shall, based on the manner of notification pursuant to Clause 3HA.16, notify the Payer where:
   1. the Transfer Amount has been successfully transferred to the bank account or e-wallet designated by the Recipient; or
   2. following the provision of the correct QR Code by the Recipient, the Transfer Amount has not been credited, or has failed to be credited to the bank account or e-wallet designated by the Recipient (i.e. the relevant MB Transaction is unsuccessful)
4. If a MB Transaction is unsuccessful (as determined pursuant to Clause 3HA.10) but the Transfer Amount has been debited from the Payer’s Account, the Bank shall, where the Bank is in possession of the Transfer Amount or upon receipt by the Bank of the Transfer Amount, arrange for the Transfer Amount to be credited back to the Payer’s Account. For the avoidance of doubt, the Payer will not be entitled to receive any interest in respect of the Transfer Amount.

3HA.16 The Payer agrees to receive notifications (by or on behalf of the Bank or its service providers) in relation to MB Transactions and/or the MB Transaction Service by (i) SMS, (ii) push notification, (iii) email, and/or (iv) such other media as the Bank may deem appropriate. All notifications to be sent to the Payer under these Payer Terms:

1. by SMS will, if the Payer has a valid mobile number registered with the Bank, be sent to such valid mobile number;
2. by push notification will be sent via the OCBC Mobile Banking application on the Payer’s Registered Mobile Device;
3. by email will be sent to the Payer’s valid email address registered with the Bank, or if the Payer does not have an email address registered with the Bank, to the Payer’s OCBC Internet Banking secured mailbox; and
4. by such other media as the Bank may deem appropriate will be as determined or specified by the Bank from time to time.

3HA.17 The Bank reserves the right to impose charges or to revise at any time such charges for the use of the MB Transaction Service and/or the OCBC Mobile Banking application upon written notice to the Payer. Such charges or revisions shall take effect from the date stated in the notice. Where the Payer continues to use the OCBC Mobile Banking application or submit any Transaction Request after such notification, the Payer shall be deemed to have agreed to and accepted such charges or revisions to such charges.

3HA.18 The Bank expressly excludes any guarantee, representation, warranty, condition, term or undertaking of any kind, whether express or implied, statutory or otherwise, relating to or arising from the use of, the MB Transaction Service or in relation to the processing of or any other matter relating to any Transaction Request or MB Transaction. Without prejudice to the foregoing, the acceptance by the Bank of the Payer’s submission of a Transaction Request does not amount to a representation or warranty by the Bank that it will, and does not impose any obligation on the Bank to, process the MB Transaction or transfer the Transfer Amount to the Recipient (regardless of whether such transfer is to the Recipient’s designated bank account or e-wallet) and the Bank does not represent or warrant that:

1. the MB Transaction Service will meet the Payer’s requirements;
2. the MB Transaction Service will always be available, accessible, function or inter-operate with any network infrastructure, system or such other services as the Bank may offer from time to time; or
3. the Payer’s use of the MB Transaction Service or the Bank's processing of any Transaction Request or MB Transaction will be uninterrupted, timely, secure or free of any virus or error.

3HA.19 The Payer acknowledges and agrees that, to the extent permitted under applicable law, the Bank shall not be liable to the Payer for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:

1. the provision by the Bank of or the Payer’s use of the MB Transaction Service and/or the OCBC Mobile Banking application;
2. the processing of any Transaction Request or MB Transaction;
3. any MB Transaction being unsuccessful or considered as unsuccessful or any Transfer Amount not having been transferred to the Recipient's designated bank account or e-wallet, or transferred to a recipient other than the intended Recipient, whether or not arising from:
   1. the Payer’s negligence, misconduct or breach of any of these Payer Terms (including as a result of inaccurate information being provided by the Payer); or
   2. any failure, refusal, delay or error by any third party or third party system, equipment or device (including the FAST payment systems or payment systems of any Third Party Provider (as defined in the Terms and Conditions for MB Transactions via QR Service)) through whom or which any MB Transaction is made;
4. any use of the Payer’s mobile device(s) or any security procedure which is rejected by a merchant, an ATM or any terminal used to process a QR Transaction;
5. any malfunction, defect or error in any terminal used to process a QR Transaction, or of other machines or systems of authorisation or the inability of any terminal, machine or system to accurately, properly or promptly transmit, process or store any data;
6. any unauthorised access and/or use of the Payer’s mobile phone or the OCBC Mobile Banking application;
7. the use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from time to time of any information or data:
   1. relating to the Payer and/or any Recipient;
   2. transmitted through the Payer’s use of the MB Transaction Service and/or the OCBC Mobile Banking application; and/or
   3. obtained through the Payer’s use of the MB Transaction Service and/or the OCBC Mobile Banking application;
8. any event the occurrence of which the Bank is not able to control or avoid by the use of reasonable diligence; and/or
9. the suspension, termination or discontinuance of the MB Transaction Service.

3HA.20 To the extent that any of the limitations set out above are not permitted by law, the Bank's liability to the Payer arising from or in respect of each MB Transaction, whether in contract, tort (including negligence or breach of statutory duty) or otherwise for any and all losses, damages or liabilities caused or arising from or in relation to the Bank's provision of the MB Transaction Service and/or the OCBC Mobile Banking application and/or under or relating to these Payer Terms shall not exceed the Transfer Amount in respect of such MB Transaction.

3HA.21 The Payer represents and warrants that, in relation to each MB Transaction, the Payer has obtained the necessary consent of the relevant Recipient to disclose such Recipient's personal data (including contact details) to the Bank and for the Bank to use and disclose such Recipient's personal data as required for the purposes of the MB Transaction Service.

3HB. Terms and conditions for Customer Recipients

Introduction

3HB.1 These Recipient Terms apply to and regulate the Customer Recipient’s use of the MB Transaction Service. “Customer Recipient” means the Customer as the Recipient.

3HB.2 The MB Transaction Service allows the following types of MB Transactions to be carried out:

1. (if the Customer Recipient is registered under the OCBC PayNow Service) the PayNow Transactions;
2. (if the Customer Recipient is registered under the relevant Overseas Payment Initiative under the OCBC Cross-Border PayNow Service) the Cross-Border PayNow Transactions;
3. (if the Customer Recipient has registered the Customer Recipient’s Registered Mobile Device for the relevant fingerprint recognition feature or, as the case may be, face recognition feature on the OCBC Mobile Banking application for the purposes of making QR Transactions) QR Transactions; and
4. such other means as prescribed by the Bank.

3HB.3 The Customer Recipient is required to accept and agree to these Recipient Terms before the Customer Recipient will be able to receive the Transfer Amount which is the subject of the MB Transaction.

3HB.4 These Recipient Terms are in addition to and shall be read in conjunction with:

1. PayNow Transactions: where the relevant MB Transaction is a PayNow Transaction, the Terms and Conditions for Funds Transfers through the PayNow Service, provided that in the event of any conflict or inconsistency, the Terms and Conditions for Funds Transfers via the PayNow Service shall prevail over these Recipient Terms to the extent of such conflict or inconsistency;
2. Cross-Border PayNow Transactions: where the relevant MB Transaction is a Cross-Border PayNow Transaction, the Terms and Conditions for Funds Transfers via the OCBC Cross-Border PayNow Service, provided that in the event of any conflict or inconsistency, the Terms and Conditions for Funds Transfers via the OCBC Cross-Border PayNow Service shall prevail over these Recipient Terms to the extent of such conflict or inconsistency; and
3. QR Transactions: where the relevant MB Transaction is a QR Transaction, the Terms and Conditions for MB Transactions via QR Service, as set out in Clause 3HC.

Miscellaneous

3HB.5 The Customer Recipient is responsible for ensuring, and the Customer Recipient warrants, the truthfulness, accuracy and completeness of all information provided in the Customer Recipient’s request to receive the Transfer Amount and/or when using the MB Transaction Service, including but not limited to the details of the Customer Recipient’s designated bank account or e-wallet. In addition, the Customer Recipient represents and warrants that the Customer Recipient is the intended recipient of the Transfer Amount and that the Customer Recipient is the legal and beneficial holder of the designated bank account or e-wallet to which the Transfer Amount is to be credited.

3HB.6 The Customer Recipient will not be able to receive the Transfer Amount, and the Bank is not required to process the Customer Recipient’s request to receive the Transfer Amount, where:

1. the QR Code (in the case of a QR Transaction) is invalid or has ceased to be valid; or
2. any information provided by the Customer Recipient is invalid or incorrect.

3HB.7 If a MB Transaction cannot be or is not completed for any reason, the Bank shall not be liable to the Customer Recipient in respect of the incomplete MB Transaction, including without limitation, the Customer Recipient’s non-receipt of the Transfer Amount.

3HB.8 The MB Transaction shall be considered as incomplete if:

1. any part of the bank account or e-wallet details or other information provided by the Customer Recipient is determined to be invalid or incorrect; or
2. the Transfer Amount fails to be credited to the designated bank account or e-wallet for any reason (whether by reason of a failure in the FAST payment system or payment system of any Third Party Provider (as defined in the Terms and Conditions for MB Transactions via QR and other Barcode Service) or otherwise).

3HB.9 In addition, the Bank shall be entitled, at its absolute discretion, to reject or refuse to process any request to receive the Transfer Amount and shall not be required to give any reason for the same.

3HB.10 The Bank expressly excludes any guarantee, representation, warranty, condition, term or undertaking of any kind, whether express or implied, statutory or otherwise, relating to or arising from the use of the MB Transaction Service or in relation to the processing of or any other matter relating to a request to receive the Transfer Amount. Without prejudice to the foregoing, the Customer Recipient’s possession or provision of a QR and other Barcode does not amount to a representation or warranty by the Bank that it will, and does not impose any obligation on the Bank to, credit the Transfer Amount to the Customer Recipient’s designated bank account or e-wallet and the Bank does not represent or warrant that:

1. the MB Transaction Service will meet the Customer Recipient’s requirements;
2. the MB Transaction Service will always be available, accessible, function or inter-operate with any network infrastructure, system or such other services as the Bank may offer from time to time; or
3. the Customer Recipient’s use of the MB Transaction Service or the Bank's processing of a request to receive the Transfer Amount will be uninterrupted, timely, secure or free of any error, including without limitation that the Customer Recipient will receive the Transfer Amount or that the Customer Recipient will receive the Transfer Amount in a timely fashion.

3HB.11 The Customer Recipient acknowledges and agrees that, to the extent permitted under applicable law, the Bank shall not be liable to the Customer Recipient for any and all losses, liabilities, costs, expenses, damages, claims, actions or proceedings of any kind whatsoever (whether direct, indirect or consequential) in respect of any matter of whatever nature and howsoever arising (whether in contract, tort, negligence or otherwise) in connection with:

1. the provision by the Bank of or the Customer Recipient’s use of the MB Transaction Service and/or the OCBC Mobile Banking application;
2. the processing of a request to receive the Transfer Amount or any MB Transaction;
3. any MB Transaction being considered as incomplete or any Transfer Amount failing to be credited to the Customer Recipient’s designated bank account or e-wallet or transferred to a recipient other than the Customer Recipient, whether or not arising from:
   1. the Customer Recipient’s negligence, misconduct or breach of any of these Recipient Terms (including as a result of inaccurate information being provided by the Customer Recipient); or
   2. any failure, refusal, delay or error by any third party or third party system (including the FAST payment systems and payment systems of any Third Party Provider (as defined in the Terms and Conditions for MB Transactions via QR Service)) through whom or which the MB Transaction is made;
4. any use of the Customer Recipient’s mobile device(s) or any security procedure which is rejected by a merchant or any terminal used to process a QR Transaction;
5. any malfunction, defect or error in any terminal used to process a QR Transaction, or of other machines or systems of authorisation or the inability of any terminal, machine or system to accurately, properly or promptly transmit, process or store any data;
6. the use in any manner and/or for any purpose whatsoever by any person at any time whatsoever and from time to time of any information or data:
   1. relating to the Customer Recipient;
   2. provided by the Customer Recipient in the course of using the MB Transaction Service and/or the OCBC Mobile Banking application; and/or
   3. obtained through the Customer Recipient’s use of the MB Transaction Service and/or the OCBC Mobile Banking application;
7. any event the occurrence of which the Bank is not able to control or avoid by the use of reasonable diligence; and/or
8. the suspension, termination or discontinuance of the MB Transaction Service.

3HB.12 The Bank shall not be liable and the Customer Recipient agrees to indemnify the Bank and keep the Bank indemnified against any consequences, claims, proceedings, losses, damages or expenses (including all legal costs on an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by the Bank in providing the MB Transaction Service and/or the OCBC Mobile Banking application, whether or not arising from or in connection with and including but not limited to the following:

1. any improper or unauthorised use of the MB Transaction Service and/or the OCBC Mobile Banking application by the Customer Recipient;
2. any act or omission by any relevant mobile or internet service provider;
3. any delay or failure in any transmission, despatch or communication facilities;
4. any access (or inability or delay in accessing) and/or use of the MB Transaction Service and/or the OCBC Mobile Banking application; or
5. any breach by the Customer Recipient of any warranty under or provision of these Recipient Terms.

3HB.13 To the extent that any of the limitations set out above are not permitted by law, the Bank's liability to the Customer Recipient arising from or in respect of each MB Transaction, whether in contract, tort (including negligence or breach of statutory duty) or otherwise for any and all losses, damages or liabilities caused or arising from or in relation to the MB Transaction Service and/or the OCBC Mobile Banking application and/or under or relating to these Recipient Terms shall not exceed the Transfer Amount in respect of such MB Transaction.

3HB.14 The Customer Recipient consents to the Bank, its related corporations (collectively, the "OCBC Group"), and their respective business partners and agents (collectively, the "OCBC Representatives") collecting, using and disclosing the Customer Recipient’s personal data for such purposes as may be reasonably required by the OCBC Group and the OCBC Representatives to enable them to provide the MB Transaction Service to the Customer Recipient. Such purposes are set out in a Data Protection Policy, which is accessible at www.ocbc.com/policies or available from the Bank on request and which the Customer Recipient has read and understood.

3HC. Terms and conditions for MB Transactions via QR Service

Introduction

3HC.1 These terms and conditions ("QR Terms") apply to and regulate the Customer’s use of the "QR Service", a part of the Bank’s MB Transaction Service, which allows the Customer to send or request payments through the OCBC Mobile Banking application via the use of a QR Code for the purpose of identifying the intended Recipient of the funds.

3HC.2 QR Transactions are part of MB Transactions and the Payer Terms and Recipient Terms would apply in respect of all QR Transactions (e.g. notifications in relation to QR Transactions will be dealt with in accordance with the terms set out therein).

3HC.3 The Customer may request (each such request a “QR Transaction Request”) for the following types of transactions ("QR Transactions") to be carried out via the QR Service:

1. payments via the QR Code displayed at the premise of and/or provided by merchants ("Non-PayNow QR Transactions"); and
2. payments via PayNow where the Recipient is identified through a QR Code ("PayNow QR Transactions"). The Customer may either:
   1. request (as "Payor") to initiate a PayNow QR and other Barcode Transaction via the OCBC Mobile Banking application, by scanning or uploading the QR and other Barcode of a Payee who has registered their mobile number, their UEN (plus the suffix combination where applicable) or their VPA, as the case may be, as a proxy under PayNow, using the QR and other Barcode Service. For the avoidance of doubt, “UEN” refers to the Unique Entity Number which serves as a standard identification number for an entity and which is issued by the applicable Unique Entity Number issuance agencies and “VPA” refers to the PayNow proxy called “virtual payment address” which allows individuals or entities to link their mobile number to an e-wallet offered by a non-bank financial institution; or
   2. as a real customer of the Bank, request (as "Payee") the Bank to generate via the Application, a personalised QR Code for the Customer in order to request and receive funds transfers from third party Payors without revealing the Customer’s account number, mobile number or other personal details.

3HC.4 The Customer agrees to comply with all guidelines, policies and procedures pertaining to use of the QR Service issued by or on behalf of the Bank from time to time. For a QR Transaction to be conducted, the Customer will need to:

1. have registered the Customer’s Registered Mobile Device for the relevant fingerprint recognition feature or, as the case may be, face recognition feature through the OCBC Mobile Banking application in accordance with these Terms and Conditions and the Bank’s latest instructions, procedures and directions;
2. accept and agree to these Terms and Conditions; and
3. where the relevant QR and other Barcode Transaction is a PayNow QR and other Barcode Transaction, additionally accept and agree to the Terms and Conditions for the OCBC PayNow Service.

provided that in the event of any conflict or inconsistency, the provisions will be applied in the following order of precedence with the provisions higher in the order of precedence prevailing over the provisions in the lower order of precedence, to the extent of such conflict or inconsistency:

1. Terms and Conditions for the OCBC PayNow Service;
2. these QR Terms; and
3. the rest of these Terms and Conditions.

Non-PayNow QR Transactions

3HC.5 The Customer agrees and acknowledges that Non-PayNow QR Transactions are carried out via services offered by third party providers (such services, “Third Party QR Services”, and such providers, “Third Party Providers”) and/or their respective affiliated operators (“Third Party Provider-Affiliated Operators”), and that the Bank does not own, operate or manage such services. The Third Party QR Services are provided solely by the relevant Third Party Providers and/or Third Party Provider-Affiliated Operators in accordance with the applicable terms and conditions as may be imposed by them from time to time and involves payments to participating merchants of such Third Party QR Services or Third Party Providers (each, a “Participating Merchant”). The Customer may address any concerns or complaints relating to the Third Party QR Services (including any concerns or complaints in connection with any issues or errors in payment or recovery of funds) to the Bank, who may in its sole discretion assist the Customer with liaising with the relevant Third Party Provider and/or Third Party Provider-Affiliated Operator on the Customer’s behalf. Notwithstanding the foregoing, the Customer acknowledges that the Customer shall not in any event have any right or claim against the Bank in connection with the Third Party QR Services.

A non-exhaustive list of Third Party Providers and Third Party Provider-Affiliated Operators is as follows:

• NETS
• AliPay+

3HC.6 In relation to each QR Transaction Request, the Customer agrees and acknowledges that although the Participating Merchant is shown (via a display on the OCBC Mobile Banking application) as the Recipient of the Transfer Amount, the Bank shall only be responsible for making the relevant payments to the relevant Third Party Provider and shall not be liable for transferring any Transfer Amount to any Participating Merchant and the relevant Third Party Provider shall be solely responsible for transferring the relevant Transfer Amount to the relevant Participating Merchant.

3HC.7 The Bank may prescribe a minimum amount and a maximum amount for each QR Transaction Request, and such amounts shall be displayed on the OCBC Mobile Banking application before the Customer submits a QR Transaction Request. The Bank reserves the right to reject or refuse to accept or process or to cancel any QR Transaction Request where the Transfer Amount falls below such minimum amount or falls above such maximum amount.

3HC.8 If the Customer wishes to initiate a Non-PayNow QR Transaction in respect of a Participating Merchant located in Singapore, the Customer may do so by initiating a QR Transaction Request through the OCBC Mobile Banking application by using the Customer’s Registered Mobile Device to scan the QR Code displayed at the premise of and/or provided by the relevant Participating Merchant and then authorising such QR Transaction Request by: (i) entering the Customer’s Access Credentials in accordance with the instructions displayed on the OCBC Mobile Banking application; or (ii) performing Transaction Signing in accordance with the instructions displayed on the OCBC Mobile Banking application.

3HC.9 If the Customer’s Access Credentials are successfully verified and the QR Code scanned corresponds to the QR Code generated by the relevant Third Party Provider (or Third Party Provider-Affiliated Operator, as the case may be) for such Participating Merchant, the Customer will be shown (via a display on the OCBC Mobile Banking application) the name of the merchant and details of the Customer’s OCBC account(s) from which the Customer may make the Non-PayNow QR Transaction. In order to submit the QR Transaction Request, the Customer will be required to select an eligible OCBC account from which the Customer wishes to make the Non-PayNow QR Transaction and to follow any further steps prescribed by the OCBC Mobile Banking application. Before submitting a QR Transaction Request, the Customer is responsible for checking the name of the merchant displayed on the OCBC Mobile Banking application and for ensuring that the relevant merchant is the intended Recipient of the funds.

PayNow QR and other Barcode Transactions

For Payor

3HC.10 PayNow QR and other Barcode Transactions only allow payments to be made to Payees with Registered Mobile Devices who have already registered their mobile number, their UEN (plus the suffix combination where applicable) or their VPA, as the case may be, as a proxy under PayNow.

3HC.11 If the Payor wishes to initiate a PayNow QR Transaction to pay a Payee, the Payor may do so by initiating a Transaction Request through the OCBC Mobile Banking application using the Payor’s Registered Mobile Device to scan the personalised QR Code shared with the Payor by the intended Payee physically or via email, SMS, phone-based messaging service or any other means as may be prescribed by the Bank from time to time, and then authorising such QR Transaction Request by: (i) entering the Payor’s Access Credential; or (ii) performing Transaction Signing, in accordance with the instructions displayed on the OCBC Mobile Banking application.

3HC.12 If the Payor’s Access Credentials are successfully verified and the QR code scanned corresponds to the QR Code generated by the Bank for such Payee, the Payee will be shown (via display on the relevant screen):

1. the name of the Registered PayNow User such as the applicable registered entity name ("Name"), or a nickname corresponding to the QR Code registered by the relevant Payee (for the purposes of receiving payments via PayNow) ("Nickname"), as the case may be; and
2. details of the OCBC accounts from which the Payor may make the PayNow QR Transaction.

In order to submit the QR and other Barcode Transaction Request, the Payor will be required to select an eligible OCBC account from which the Payor wishes to make the QR and other Barcode Transaction and to follow any further steps prescribed by the Bank via the OCBC Mobile Banking application. Before submitting a QR and other Barcode Transaction Request, the Payor is responsible for checking the Name or Nickname displayed on the OCBC Mobile Banking application and for ensuring that the registrant of such Name or Nickname is the intended Recipient of the funds.

For Payee (who are retail customers)

3HC.13 The Payee can only request for and receive payments via a PayNow QR and other Barcode Transaction if the Payee has registered the Payee’s mobile number as a proxy under PayNow, if such mobile number has been de-registered as a proxy under PayNow, the Payee will not be able to request for or receive payments via PayNow QR and other Barcode Transactions.

3HC.14 Once the Payee has registered the Payee’s mobile number as a proxy under PayNow:

1. if the Payee wishes to generate a personalised QR and other Barcode for the purposes of requesting funds to be transferred through the QR and other Barcode Service, the Payee may do so through the OCBC Mobile Banking application by following the relevant steps prescribed by the Bank via the OCBC Mobile Banking application and thereby authorising a request to generate such QR or other barcode by entering the Payee’s Access Credentials in accordance with the instructions given via the OCBC Mobile Banking application; and
2. if the Payee’s Access Credentials are successfully verified, the Payee’s personalised QR and other Barcode will be generated and displayed to the Payee on the relevant screen on the OCBC Mobile Banking application. In order to share such QR or other barcode for the purposes of allowing Payors to make payments to the Payee via PayNow QR and other Barcode Transactions, the Payee will be required to take such further steps as prescribed by the Bank via the OCBC Mobile Banking application and selecting the Payee’s preferred mode of sharing the Payee’s QR and other Barcode (such as via email, SMS, phone-based messaging service or any other means as may be prescribed by the Bank from time to time).

Introduction

3I.1 The OCBC Internet Banking Platforms may allow the Customer to browse and place orders products and/or service offerings of various Merchants (defined below) through the Bank’s partnered Operators (defined below) (“Third Party Services”). These terms and conditions in this Clause 3I ("Third Party Services Terms") apply to and regulate the Customer’s browsing and placement of orders for such Third Party Services.

Definitions

3I.2 In these Third Party Services Terms, unless the context otherwise requires, the following expressions shall have the following meanings:

1. "Customer Contract" is defined in Clause 3I.8.
2. “OCBC Internet Banking Platforms” means the online platforms operated by the Bank through which the OCBC Internet Banking Service may be accessed, including the OCBC Mobile Banking application.
3. "Losses" means all losses, settlement sums, costs (including legal fees and expenses on a solicitor client basis), charges, expenses, actions, proceedings, claims, demands and other liabilities, whether foreseeable or not.
4. "Merchant" means such third-party merchants whose products and/or services are offered, provided or otherwise made available to the Customer either directly on the OCBC Internet Banking Platforms, or via such Operators' platforms accessible via the OCBC Internet Banking Platforms.
5. "Operator" means such third-party operators of platforms, including any features and functionalities therewith, integrated with the OCBC Internet Banking Platforms that allow the Customer to purchase products and/or services, whether from the Operator directly, and/or from other Merchants.
6. "Order" means an order from the Customer for an Operator’s or a Merchant's products and/or services, which may be placed by the Customer either on the OCBC Internet Banking Platforms directly, or via the relevant Operator’s platform accessible via the OCBC Internet Banking Platforms.

Third Party Partnerships

3I.3 The OCBC Internet Banking Platforms may allow the Customer to browse and place Orders for products and services from the Operators and/or other Merchants, either directly through the OCBC Internet Banking Platforms, or through the Operators' platforms which are accessible via the OCBC Internet Banking Platforms. The Bank does not own, sell or resell any products and services of such Operators and/or Merchants and does not control the Operators, Merchants or any products and services offered or provided by them. For avoidance of doubt, any Orders placed directly through the OCBC Internet Banking Platforms will be provided, processed and handled by the relevant Operator and/or Merchant, and not the Bank.

3I.4 The Customer acknowledges and accepts that all Third Party Services offered for browsing and placement of Orders on the OCBC Internet Banking Platforms, or on an Operator’s platform (which may be accessible through the OCBC Internet Banking Platforms) are sold and/or provided by the relevant Operator or Merchant as indicated on the specific listing on the OCBC Internet Banking Platforms or Operator’s platform as the merchant on record, and not the Bank. The Customer understands that any Order that the Customer places shall be subject to the product and/or service availability/serviceability of the relevant Operator or Merchant, as well as any additional terms and conditions (including but not limited to any terms or policies relating to or governing refunds, returns, cancellations or exchanges) provided by the Bank, Operators or Merchants.

3I.5 The Bank neither endorses nor assumes any responsibility or liability arising in connection with any Order or the products and services in respect of which an Order is carried out or any Third Party Services. Transfer of risk and property in purchased products, delivery, product warranties (including the conditions and remedies for such warranties), support, refunds, returns, replacements, exchanges and any other ancillary products or services in relation to such products and services shall be governed by and subject to such terms and conditions as may be prescribed by the relevant Operator and/or the relevant Merchant, which may be indicated on the specific listing or elsewhere on the OCBC Internet Banking Platforms.

3I.6 The Customer may place an Order in accordance with the instructions as prescribed on the OCBC Internet Banking Platforms and/or on the relevant Operator’s platform from time to time. Orders placed in any other manner on the OCBC Internet Banking Platforms or the relevant Operator’s platform (as the case may be) will not be eligible for acceptance. Upon placing an Order, the Customer’s Order will be processed but only deemed to be accepted upon the relevant Operator’s or Merchant's confirmation (which shall be communicated to the Customer via such channels or mediums as the relevant Operator may determine).

3I.7 The Customer acknowledges that the Customer shall be responsible for ensuring the accuracy of the Order and that each Order shall be deemed to be irrevocable and non-cancellable upon transmission through the OCBC Internet Banking Platforms or the relevant Operator’s platform (as the case may be) and the relevant Operator and/or Merchant shall be entitled to process such Order(s) without any further reference or notice to the Customer.

3I.8 All Orders (regardless of whether such Orders are made on the OCBC Internet Banking Platforms directly or through an Operator’s platform) shall be subject to the relevant Operator's processing and/or the relevant Operator's or Merchant's acceptance at their sole discretion and each accepted Order shall constitute an agreement entered into directly and only between the Customer and the relevant Operator and/or Merchant ("Customer Contract"). The Customer acknowledges that unless the Customer receives the relevant Operator's and/or Merchant's confirmation (which shall be communicated to the Customer via such channels or mediums as such Operator and/or Merchant may determine) accepting the Customer’s Order, the relevant Operator and/or Merchant shall not be party to any legally binding agreements or promises made between such Operator and/or Merchant and the Customer for the sale or other dealings with the relevant products and/or services and accordingly the relevant Operator and/or Merchant shall not be liable for any Losses which may be incurred as a result. For the avoidance of doubt, such Operator and/or Merchant each reserve the right to decline to process or accept any Order received from or through the OCBC Internet Banking Platforms or the relevant Operator’s platform (as the case may be) in their absolute discretion.

3I.9 Additionally, the Bank reserves the right to not process any payment transaction via the OCBC Mobile Banking Transaction Service if: (i) such transaction does not comply with the requirements or terms and conditions applicable to the use of the OCBC Internet Banking Platforms, including these Third Party Services Terms, or is otherwise not in the mode or manner required by the Bank; (ii) the Bank is prohibited from processing such transaction by reason of any applicable laws or legal requirements; or (iii) for such other reason as the Bank may deem appropriate at its sole discretion.

3I.10 The Bank may from time to time, in its sole discretion and without prior notice to the Customer, change and/or amend any of the following:

1. the list of Operators and/or Merchants; and
2. any specific terms and conditions for any transaction and/or Order, and shall not be liable for any Losses suffered by the Customer due to such change and/or amendment (including but not limited to any unavailability of the OCBC Internet Banking Platforms and/or any Operator’s platform due to transition arrangements).

3I.11 The Customer agrees that each of the relevant Operator and/or Merchant shall have the right to terminate a Customer Contract with immediate effect in the event that the relevant product and/or service has been mispriced on the OCBC Internet Banking Platforms and/or the Operator’s platform, or for any other reason as may be determined by the relevant Operator or Merchant in their absolute discretion. In the case of a Customer Contract for the sale of products, the relevant Operator or Merchant shall have such right to terminate the relevant Customer Contract whether or not the relevant product has been dispatched or are in transit and whether payment has been charged to the Customer.

3I.12 The Customer acknowledges and warrants that the Customer has not relied on any term, condition, warranty, undertaking, inducement or representation made by or on behalf of any Operator or Merchant which has not been stated expressly in a Customer Contract or upon any descriptions or illustrations or specifications contained in any document including any catalogues or publicity material produced by the Bank, and/or any Operator or Merchant. The Customer also acknowledges and agrees that the exclusion of warranties, exclusion of liability and exclusion of remedies in these Third Party Services Terms and Customer Contracts allocate risks between the parties and permit the Operators or Merchants to provide their products and/or services at lower fees or prices than such Operators or Merchants otherwise could and the Customer agrees that such exclusions of liability are reasonable.

3I.13 Without prejudice to the generality of Clause 3I.12:

1. as the third-party platforms as well as the products and/or services are operated and/or provided by Operators and Merchants, and not the Bank (notwithstanding that they may incorporate any marks and logos of the Bank), the Bank gives no warranty as to the quality, merchantability, state, condition or fitness of the third-party platforms, products and/or services offered, provided or made available on the OCBC Internet Banking Platforms;
2. no condition is made or to be implied nor is any warranty given or to be implied as to the products and/or services provided as well as the life or wear of any products and/or services supplied or that they will be suitable for any particular purpose or use under any specific conditions, notwithstanding that such purpose or conditions may be known to the relevant Operator and/or Merchant; and
3. the Bank shall be under no liability for the following measures and actions taken by the Customer or third parties and the consequences thereof: improper remedy of defects, alteration of the relevant products and/or services without the prior agreement of the Bank, addition and insertion of parts, in particular of spare parts which do not come from the Bank.

Food and beverages

3I.14 The Customer acknowledges and agrees that:

1. Minimum Order Value - Some of the campaigns require a minimum order value ("MOV") before an Order can be placed and delivered to the Customer. Where an applicable Order fails to meet the MOV, the Customer will have the option of paying to add more items to the Customer’s Order to meet MOV; and
2. Special Instructions – the Operators and/or Merchants shall reasonably endeavour but shall not be obligated to comply with the Customer’s special instructions for an Order and/or Customer Contract. There shall be no replacement or refund for an Order and/or Customer Contract which does not conform to special instructions provided by the Customer.
3. Alcohol - Persons placing an order for alcohol from any Operator or Merchant must be at least eighteen (18) years old. Alcoholic beverages can only be sold and delivered to persons who are at least eighteen (18) years old. By placing an order that includes alcohol, the Customer confirms that the Customer is at least eighteen (18) years old. Operators and/or Merchants will have the right to refuse to deliver or provide any alcoholic product to any person who at the time of delivery or collection of takeaway, (i) does not appear to be at least eighteen (18) years old or (ii) cannot prove that he/she is at least eighteen (18) years old or (iii) is, or appears to be, under the influence of either alcohol or drugs at the time of delivery or collection of takeaway and in such an event the Customer agrees that the Bank, and the relevant Operator and/or Merchant shall not be liable to make any refund to the Customer for the payment already made by the Customer.

3I.15 The Bank makes no representations to the Customer or other end-users / end-consumers as to the quality or nature or suitability of the food or beverages offered for sale through the OCBC Internet Banking Platforms and/or the Operators’ platforms accessible through the OCBC Internet Banking Platforms. Information on the food and beverages offered or available is obtained from the Operators and/or the Merchants and as between the Customer and the Bank, the Operator's and/or the Merchant's food and/or beverages are "as offered" by the Operators and the Merchants. Descriptions or statements about food and/or beverages advertised via the OCBC Internet Banking Platforms are provided by the relevant Operator and Merchant and we do not verify these descriptions or statements and the Bank disclaims all warranties and representations in relation to any such Operators and Merchants and their food and/or beverages. The Bank does not endorse any Operators and Merchants or food and/or beverages featured on the OCBC Internet Banking Platforms.

3I.16 In particular, neither the Bank nor the Operators and Merchants warrants or represents that any food or beverage items that are available for order on the OCBC Internet Banking Platforms or on any of the Operators’ platforms accessible through the OCBC Internet Banking Platforms are free of any and all traces of any allergens or that consumption of a food or beverage item will not result in an allergic reaction. The Customer’s orders may be packaged with orders from other users at the time of collection/delivery, and such other orders may contain allergens. The Customer acknowledges that by placing Orders for food or beverage items, the Customer may be exposed to food or beverages that may cause an allergic reaction or injury, and in that regard the Customer on the Customer’s accord and on behalf of other end-users / end-consumers hereby fully release and discharge the Bank and the relevant Operator and/or Merchant from any and all liability and/or responsibility to the Customer or other end-users / end-consumers.

3I.17 The Customer agrees not to make any claim against the Bank in respect of any loss or damage (including with respect to personal injuries) which may arise from or in connection with the Operators' and Merchants' performance or non-performance of the Customer Contract or other sale contract, or which may arise from or in connection with the nature, quality or fitness for purpose of the products and/or services supplied by the Operators and Merchants (or due to any defect therein), or arising in any other way, and the Customer shall release and hold the Bank harmless against any such loss or damage. The Customer agrees to use/consume all products and/or services supplied by the Operators and Merchants in a proper manner. In particular, upon receipt/collection of food and/or beverage items, the Customer shall either consume them immediately or transport and store them appropriately (including keeping in storage at a proper temperature).

Fees and charges

3I.18 The Customer may make payment in respect of an Order by using any of the payment methods prescribed by the Merchant and/or an Operator from time to time (including without limitation, the OCBC Internet Banking Service) and in accordance with any additional terms as may be prescribed by the relevant Merchant and/or Operator from time to time. Payments may be made to and processed by relevant Operator’s and/or Merchant’s payment processor. The Customer acknowledges that the Operators are entitled to collect payments from the Customer on behalf of the Merchants, where applicable.

3I.19 The Customer is solely responsible for all amounts payable associated with purchases the Customer makes on any of the Operators’ platforms accessible via the OCBC Internet Banking Platforms. The Customer may not claim against Operator, Merchant or any of Merchant's agents, for any failure, disruption or error in connection with the Customer’s chosen payment method.

3I.20 Except as expressly set out under applicable refund policies as may be notified to the Customer by the Bank, and the relevant Operator and/or Merchant, all sales are final, and no returns, replacements or refunds are permitted. If a replacement, return or refund is granted for any transaction, the transaction may be reversed, and the Customer further agrees to bear all taxes and other duties payable thereon (including in the case of bank transfers).

3J.1 Where bill payment services provided by AXS Pte Ltd (“AXS”) are made available via the OCBC Mobile Banking application, the Customer acknowledges and agrees that: (a) the AXS bill payment service is developed, operated and maintained by AXS; (b) products and services made available on AXS are NOT provided by the Bank, but by AXS and the relevant merchants under an individual contract entered between AXS and/or its relevant merchants, and the Customer; (c) any collection, use and/or disclosure of the Customer's personal data by AXS and the relevant merchant through the AXS bill payment service may be subject to such terms and conditions as may be prescribed in AXS's or such merchant's own privacy policy, and (d) the Bank shall not be responsible for the privacy practices or policies of AXS and/or such merchants.

4.1 This Clause 4 applies to Customers and non-Bank Customer users (collectively, “Users” and each, a “User”) who access and/or use the OCBC Teller Platform to carry out transactions as described in this Clause 4.

4.2 The OCBC Teller Platform enables the User, at the Bank’s discretion, to have access to the Account(s) and/or to effect certain banking and/or other transactions (which may include, without limitation, deposits, withdrawals, payments, fixed deposit placements, account closures, balance enquiry and remittances) via the machines and/or any other equipment as the Bank may designate for such purposes located within the Bank’s branches (each, a “Teller Platform Machine”).

4.3 To use the OCBC Teller Platform, the User acknowledges that it needs to:

1. for a User who is a Customer, where the User wishes to access the Account(s), have a valid OCBC Account;
2. comply with such instructions presented on-screen on the relevant Teller Platform Machine and/or issued by the personnel of the Bank as may be communicated to the User in the course of its use of the Teller Platform Machine;
3. comply with such authentication, configuration, use and/or access procedures as enabled by the Bank to identify and authenticate the User for the purposes of allowing the User to access and/or use the OCBC Teller Platform or any of the services or functions thereunder, or to give instructions in connection with the User’s Account and/or any banking and/or other transactions;
4. comply with such authorisation steps, measures and/or procedures as required by the Bank for the User to authorise certain banking and/or other transactions carried out on or via the Teller Platform Machine;
5. agree to make payment of such fees and charges as may be imposed by the Bank for the use of certain banking and/or other transactions carried out on or via the Teller Platform Machine; and
6. agree to such terms and conditions as may be presented on the Teller Platform Machine from time to time applicable to the User’s use of the OCBC Teller Platform or any of the services or functions thereunder.

4.4 The User agrees to, and will use the OCBC Teller Platform according to:

1. for a User who is a Customer, the Terms and Conditions for Governing Deposit Accounts; and
2. the terms and conditions governing the services and/or functions made available via the OCBC Teller Platform from time to time.

4.5 Upon completion of the relevant transaction by the User via the OCBC Teller Platform, the Bank will issue a statement of such transaction (“Receipt”) to the User upon request. The User may make a request via the OCBC Teller Platform to have the Receipt issued: (i) on a printed hardcopy only, (ii) have a copy sent to such electronic mail address on the Bank’s records or to an alternative electronic mail address as advised by the User or (iii) in addition to the hardcopy, have a copy sent to such electronic mail address on the Bank’s records or to an alternative electronic mail address as advised by the User. Any alternative electronic mail address provided by the User shall only be used by the Bank for the purposes of the issuance of the Receipt and the User acknowledges that such provision of an alternative electronic mail address does not constitute a request to update the User’s electronic mail address on the Bank’s records.

5.1 The Customer consents to and authorises each of the Bank and each of its officers to transfer and/or disclose, at any time in such manner and under such circumstances as the Bank deems desirable, necessary, appropriate or expedient in its sole and absolute discretion without prior reference to the Customer, any information relating to the Customer (including any customer information as defined in the Banking Act 1970), for any purpose, whether in relation to any Products, Services and/or Accounts offered or provided by the Bank from time to time to the Customer in these Terms and Conditions, on separate terms or otherwise, to and between:

1. the Bank’s related corporations, related entities or affiliates and their respective branches, subsidiaries and representative offices (the “OCBC Group”), their respective employees, representatives and officers, and their respective agents (together, “Representatives”);
2. any person or organisation participating in the provision of electronic or, without limitation, other services to the Bank and/or in connection with services utilised by the Customer, whether in the Republic of Singapore or elsewhere for the purpose of the provision or operation of the Products and/or Services including but not limited to investigating discrepancies or claims;
3. counterparties and their respective banks in relation to fund transfers, payments, drawing of cheques, and other transactions;
4. third party recipients of bank reference letters;
5. companies providing services relating to insurance and reinsurance to the Bank;
6. any person or organisation (including agents, contractors, and third party service providers) to whom we outsource certain functions or activities;
7. vendors or other third party service providers in connection with marketing promotions and services offered by the Bank;
8. analytics, search engine providers or other third party service providers that help the Bank deliver, improve and optimise the Bank’s products, services, websites and platforms;
9. credit reporting agencies;
10. any business partner, investor, assignee or transferee (actual or prospective) to facilitate business asset transactions (which may extend to any merger, acquisition or any debt or asset sale) involving any member of the OCBC Group;
11. other banks, financial institutions, credit agencies, credit card companies and their respective service providers;
12. third party referrers;
13. any person who referred the Customer to the Bank under any referral programme of the Bank;
14. our co-brand, ecosystem partners and other business partners;
15. the Bank’s and/or its nominees' auditors and professional advisers including its solicitors, and any other person(s) under a duty of confidentiality to the Bank;
16. any person for purposes of conducting investigations or complaints;
17. any person for purposes of wire transfers;
18. a joint accountholder and the authorised representatives of the Account;
19. any administrator or executor of the Customer’s estate and their legal advisers;
20. the Customer’s legal advisers, and the Bank can rely on their statement(s) that they act as the Customer’s legal advisers;
21. the auditors and professional advisers of any member of the OCBC Group;
22. any government or regulatory agency, ministry or authority, statutory board or authority, law enforcement agency, tax authority, public officer, police or the court or other judicial bodies in any judicial proceeding, tribunal, of the Republic of Singapore or any other jurisdiction, including but not limited to the Monetary Authority of Singapore, the Accounting and Corporate Regulatory Authority, the Singapore Police Force, and the Insolvency and Public Trustee Office;
23. surveyors, auctioneers, valuers or other third parties in relation to loans and other credit facilities such as mortgages;
24. universities in relation to tuition fee loan reporting;
25. hotels, travel agents and foreign embassies in relation to overseas travel arrangements for staff;
26. the Central Provident Fund Board ("CPF") and its agent banks in relation to CPF investment products, payment schemes and processing excess payment refunds;
27. Credit Counselling Singapore, and collection and repossession agencies in relation to the enforcement of repayment obligations for loans and other credit facilities;
28. foreign embassies and foreign credit reporting agencies in relation to credit reviews and the enforcement of repayment obligations for loans and other credit facilities;
29. external business and charity partners in relation to corporate promotional events;
30. payee corporations, including telecommunications companies, the National Trades Union Congress, Singapore Press Holdings, local town councils and any other entities in relation to processing the payment of bills;
31. commercial shops and retailers in relation to providing staff welfare benefits;
32. any broker, distributor, fund, fund manager, counterparty, agent, registrar, custodian, sub-custodian, nominee, nominee bank, external bank, investment vehicle, clearing or depository system, depository, depository agent, securities or other exchange or organised market; swap repository, trade repository, trade data repository, reporting agent, clearing house, centralised clearing party (including any clearing member of such clearing house or centralised clearing party), clearing broker, multilateral or other trading facility, system or platform or such other communication network or auction facility, any fiscal, paying or other agent or trustee or issuer of securities, or The Central Depository (Pte) Limited;
33. without limiting any other provision of this Clause, any member of the OCBC Group for risk management purposes, for monitoring credit exposure of the OCBC Group, for purposes of centralisation of operations within the OCBC Group, for purposes in connection with business planning, restructuring and strategy and for the purpose of promoting Products and Services to the Customer;
34. any credit bureau or any other organisation or corporation set up for the purpose of collecting and providing information relating to the credit standing of persons, as well as the members of such credit bureau, organisation or corporation of which the Bank is a member;
35. any person for the purposes of assessing creditworthiness;
36. any assignee or transferee or prospective assignees or transferees of the Bank's credit facilities, business and undertakings of such part thereof;
37. any person or entity participating in the merger/acquisition or proposed merger/acquisition of the Bank or its holding company with/by another company;
38. co-debtor(s), guarantor(s), co-mortgagor(s) or joint account holder(s) or any person(s) who may from time to time provide any security, guarantee or otherwise assume the obligations of a surety or an indemnifier (or both) for any indebtedness, liabilities or obligations of the Customer to the Bank;
39. any receiver or receiver and manager appointed by the Bank and/or its nominees pursuant to its rights as chargee;
40. any liquidator, receiver, administrator, judicial manager, trustee-in-bankruptcy, custodian or other similar official who has been so appointed, pursuant to bankruptcy, winding-up or insolvency proceedings instituted in Singapore or elsewhere, in respect of the Customer or the Customer’s assets;
41. without limiting any other provision of this Clause, any person or entity for the purpose of preventing, detecting, and investigating crime (including fraud and money-laundering or terrorist financing);
42. any person to whom disclosure is permitted or required by any statutory provision by law;
43. any other person or entity at any time which the Bank or any officer in good faith considers in its discretion appropriate for any purpose, in good faith considers in its discretion reasonable to make such disclosure and/or in good faith considers to be acting on the Customer’s behalf; and
44. any other party to whom the Customer authorises the Bank (in writing or orally) to disclose the Customer’s information or personal data to.

The Bank’s rights in this Clause 5 are in addition to and without prejudice to any other rights that the Bank may have under any other terms and conditions or agreement, or under law (including the Banking Act 1970 or any other statutory provisions). In the event of a conflict or inconsistency between this Clause 5 and such other rights or terms, the Bank shall be entitled to rely on such provision as we may determine in the Bank’s discretion. The Bank’s rights to disclose information in accordance with this Clause 5 will survive even if the Customer’s Account(s) are closed and these Terms and Conditions are terminated.

6.1 Interpretation; Application of Other Terms

(a) Where Products are made available to the Customer by the Bank on separate terms, those terms shall be read in conjunction with these Terms and Conditions. In the event of any conflict, the specific terms applicable to the relevant Products shall prevail.

(b) These Terms and Conditions shall be read in conjunction with, where applicable, the OCBC Terms and Conditions Governing Deposit Accounts and the Terms and Conditions Governing OCBC Electronic Statements. In the event of any conflict, these Terms and Conditions shall prevail over the Terms and Conditions Governing Deposit Accounts.

(c) The Customer is required to follow such notices, guidelines and other instructions (such as operating rules and policies) relating to the use of the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and OCBC Alert Notification Service as the Bank may issue from time to time.

6.2 Indemnity

The OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and OCBC Alert Notification Service are provided “as is” and “as available”. Except as otherwise expressly stated, no implied or statutory warranties, including but not limited to the warranties of accuracy, adequacy, completeness, non-infringement, timeliness, quality, merchantability, currency, reliability, performance, satisfactory quality, fitness for a particular purpose or continued availability, are given in conjunction with the said Services. The Bank shall not be liable for and the Customer shall indemnify the Bank and keep the Bank indemnified against any consequences, claims, proceedings, losses, damages or expenses (including all legal costs on an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by the Bank in providing the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and/or OCBC Alert Notification Service to the Customer, whether or not arising from or in connection with and including but not limited to the following:

(a) the Bank taking any instructions and acting upon them;

(b) the improper or unauthorised use of any of OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service or OCBC Alert Notification Service, and/or any of the Customer's Vocal Password, Phone Code, T-PIN, ATM Card, ATM-PIN, Tokenised ATM Card, the Access Credentials or Security Devices;

(c) any damage to (i) any OCBC ATM as a result of any improper or unauthorised use by the Customer or (ii) the Customer Terminals, related facilities or software as a result of access to the OCBC Internet Banking Service, or any loss of or damage to any Security Device;

(d) any act or omission by any relevant internet service provider;

(e) any delay or failure in any transmission, despatch or communication facilities; or

(f) any access (or inability or delay in accessing) and/or use of the OCBC Phone Banking Service, OCBC ATM Service, OCBC Alert Notification Service and/or any browser to allow access to the OCBC Internet Banking Service or for any defect in any such browser.

6.3 Communications with the Customer

6.3.1 The Customer shall notify the Bank in writing (or, in such other mode(s) and/or methods agreed by the Bank from time to time) of any change in the Customer’s particulars.

6.3.2 Subject to Clause 6.3.4 below, any statement, advice, confirmation, notice, demand and all other correspondence by the Bank under these Terms and Conditions (the “Correspondence”) shall be served on the Customer:-

(a) (where the Customer is an individual) on the Customer (or the Customer’s personal representatives) personally or (where the Customer is a corporation or partnership) on any of the Customer’s officers or partners personally;

(b) by sending it to the Customer or to any of the Customer’s officers or partners (as the case may be) at the Customer’s last address registered with the Bank; or

(c) by telex or facsimile addressed in any such manner as aforesaid to the Customer’s telex or facsimile address last registered with the Bank.

The Correspondence shall be deemed to have been delivered on the day it was delivered personally or transmitted by telex or facsimile or if sent by post on the day following posting.

6.3.3 In the case of Joint Accounts, any notice served in accordance herewith on one of the Customers shall be deemed validly served on all the Customers.

6.3.4 The terms and conditions in the Terms and Conditions Governing OCBC Electronic Statements shall apply to all Customers and the Customer hereby accepts and agrees to be bound by all the relevant terms and conditions set out in the Terms and Conditions Governing OCBC Electronic Statements including any amendments or revisions made to such terms and conditions.

6.4. Amendment(s)

6.4.1 The Bank may at any time at its absolute discretion and upon written notice to the Customer, amend any one or more of these terms and conditions. Such amendment(s) shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice.

6.4.2 Where the Customer continues to use the Service(s) after such notification, the Customer shall be deemed to have agreed with and accepted the amendments. If the Customer does not accept any such amendments, the Customer shall forthwith discontinue use of the Service(s).

6.4.3 In the event that the Bank decides in its absolute discretion to discontinue the provision of any of the Services governed by these terms and conditions permanently, the Bank shall give written notice of such discontinuation to the Customer. Such discontinuation shall take effect from the date stated in the notice, which in most instances, shall be no less than 30 days from the date of the notice.

6.4.4 The Bank may notify the Customer of any changes to these terms and conditions by:-

(a) publishing such changes in the statements of account to be sent to the Customer;

(b) displaying such changes at the Bank’s branches or ATMs;

(c) posting such changes on the Bank’s web-site;

(d) electronic mail or letter;

(e) publishing such changes in any newspapers; or

(f) such other means of communication as the Bank may determine in its absolute discretion.

6.5 Waiver

No failure or delay by the Bank in exercising or enforcing any right or option under these Terms and Conditions shall operate as a waiver thereof or limit, prejudice or impair the Bank’s right to take any action or to exercise any right as against the Customer or render the Bank responsible for any loss or damage arising therefrom.

6.6 Severability

If any one or more of the provisions in these Terms and Conditions are deemed invalid, unlawful or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions of these Terms and Conditions shall not in any way be affected or impaired.

6.7 Third Party Rights

A person who is not a party to any agreement governed by these Terms and Conditions has no right under the Contracts (Rights of Third Parties) Act (Chapter 53B) to enforce any of these Terms and Conditions.

6.8 Applicable Law and Jurisdiction

These Terms and Conditions shall be governed and construed in all respects in accordance with the laws of the Republic of Singapore but in enforcing these Terms and Conditions the Bank is at liberty to initiate and take actions or proceedings or otherwise against the Customer in the Republic of Singapore or elsewhere as the Bank may deem fit, and the Customer hereby agrees that where any actions or proceedings are initiated and taken in the Republic of Singapore, the Customer shall submit to the jurisdiction of the Courts of the Republic of Singapore in all matters connected with the Customer’s obligations and liabilities under or arising out of these Terms and Conditions.

6.9 Language

In the event these Terms and Conditions are translated into any language other than English (“Foreign Language Version”), the English language version of these Terms and Conditions shall govern and take precedence over the Foreign Language Version.  

6.10 Force Majeure

The Bank shall not be liable for non-performance, error, interruption or delay in the performance of its obligations under these Terms and Conditions (or any part thereof) or for any inaccuracy, unreliability or unsuitability of the OCBC Phone Banking Service, OCBC ATM Service, OCBC Internet Banking Service and/or OCBC Alert Notification Service or their contents if these are due, in whole or in part, directly or indirectly to an event or failure which is beyond the Bank’s reasonable control (including acts of God, natural disasters, acts of terrorism, acts of any government or authority, prohibitions or measures of any governmental or regulatory authority, power failures, internet or telecommunication outages and the acts or a party for whom the Bank is not responsible for).

Updated as of 4 August 2023