• Your first password will be a random system generated password. The first time you sign on to the Bank’s Website you must change your password to one that you select yourself. Your password must be alpha-numeric and must be eight (8) characters long. The password you select must not be unsuitable. Unsuitable password’s include birth dates, months or years; sequential numbers (e.g. 3456); number combinations that may be easily guessed (e.g. 1111), parts of your telephone number; other easily accessible personal data (e.g. driving license, date of birth or other numbers easily connected with you); family, pet or street names.
• You must safeguard your password at all times. For instance your password must be committed to your memory and under no circumstances should you keep a written or electronic record of your password either together with your username or alone, nor disclose your password to any other person, including family and those with apparent authority i.e. bank staff or the Police. You must take care to ensure no-one can see you enter your password and report the disclosure or possible disclosure to the Bank as soon as you are aware or suspect your password has been disclosed. We will never send you an email asking you to confirm your security information or asking you to disclose your username or password. The password must remain confidential to you alone and you must take all reasonable steps to prevent disclosure of your password.

You will not use or permit the use of the Bank’s Website or Mobile app in whole or in part for any purpose, whether legal or illegal, other than as specifically intended to carry out your banking transactions and banking enquiries via the Bank’s Internet/Mobile banking services. Transactions carried out via the Bank’s Website or app are subject to all the Bank authorities, conditions, fees and charges applying at the time of the transaction. Your use of the Bank’s Website or app with your username and password to carry out banking transactions is your authority to us to carry out such transactions on your nominated accounts. You acknowledge that we shall have no obligation to verify authenticity of any instruction received from you or purporting to have been sent by you via the Bank’s Website or app, and that we may, without further enquiry, act on any directions contained in an instruction which on its face purports to be genuine.

• You will only be able to use the Bank’s Website or app to access those accounts where you are:
• the account holder and sole signatory; or
• authorised to act alone where there is more than one signatory, and on accounts where you are the owner of the account (either together or alone with another person) and you are authorised to operate the account alone.

You are responsible for and must take all reasonable care to ensure the information you supply via the Bank’s Website or mobile app is accurate. We accept no responsibility or liability for any consequences arising out of incorrect or incomplete information supplied by you or for failure to transmit such information in the manner requested by you. You must let us know as soon as you think there has been an error or mistake and we will endeavour to rectify the error wherever possible. If we find an error in your accounts, we will endeavour to correct the error and inform you on a best effort basis.

We will endeavour to effect such payment transactions on your account/s as are received via the Bank’s Website or through mobile app, provided there are sufficient funds available in your accounts, without any responsibility or liability for any refusal or omission to make all or any of the payments or for late payment or for any omission to follow any such instructions, due to circumstances beyond our reasonable control. It is your responsibility to ensure sufficient funds are available in your accounts at all times to cover payment transactions.

The operation of Automatic Payments, Transfers and electronic payments in general are governed by the Bank’s Conditions of Use for the Bank’s Website or mobile app, General Terms governing Conduct of Accounts and any other Terms and Conditions provided to you by the Bank. Please consult your copy of these Terms and Conditions for further information.

Payments made by Transfer, and Automatic Payments are subject to a daily cumulative limit.

• When you complete your Funds Transfer payment, you authorise us to debit your nominated Bank account with the amounts you request be paid to a specific person from time to time. We accept no responsibility or liability for the accuracy of the information you supply to us when issuing or processing Funds Transfer payment instructions. In particular, we accept no responsibility if you, by mistake, make a Funds Transfer payment into an account if you enter the wrong account number. A Funds Transfer payment is irrevocable and cannot be stopped, cancelled or altered once executed.
• Your nominated Bank account will be debited with the Funds Transfer payment immediately when you confirm your Funds Transfer payment on the Bank’s Website or through mobile app.

• You will not be liable for losses occurring via the Bank’s Website or mobile app caused by:
• fraudulent or negligent conduct by employees or agents of the Bank or parties involved with the provision of electronic banking services;
• unauthorised transactions before you are able to access the Bank’s Website or mobile app for the first time or during any period we prevent you from accessing the Bank’s Website or mobile app.
• You will be liable for some or all loss from unauthorised transactions if you have breached these Terms and Conditions, for example (but not limited to) by doing the following:
• keeping a written or electronic record of your password or keeping your username in a form that can be readily identified as a password; disclosing or failing to take all reasonable steps to prevent disclosure of your password to anyone whether family or those having apparent authority, including bank staff or allowing any person to use your access code and/or password;
• having unreasonably delayed telling us that your account/s have been accessed without your authorization or your password had been disclosed or otherwise compromised;
• selecting an unsuitable password;
• using a computer or device that does not have appropriate protective software and operating system installed and up to date;
• failing to take reasonable steps to ensure that the protective systems such as virus scanning, firewall, anti-malware, anti-spyware, operating system and anti-spam software on your computer are up to date;
• leaving your computer or mobile unattended when logged on to the Bank’s Website or mobile app; or
• failing to follow our reasonable security warnings about the appropriate processes and safeguards to follow when using internet/mobile banking.
• Notwithstanding the above, if you have used or allowed your account to be used to process fraudulent or unauthorised transactions you may be liable for some or all of the loss suffered by the party who has been defrauded, regardless of the balance in your account.
• We reserve the right to request access to your computer or device in order to verify that you have taken all reasonable steps to protect your computer or device and safeguard your secure information in accordance with these Terms and Conditions. If you refuse our request for access then we may refuse your claim.

The Bank reserves the right to change these Terms and Conditions at any time on giving you at least 14 days notice, except for other variations that are subject to market fluctuations. Notice to you may be given either by direct communication (by mail to your last notified address or electronically via SMS, Internet or to your e-mail address) or by display in all Branches or by notice in the media (including public notices). In addition, where terms and conditions are displayed on our website, changes will be noted there (“Notice”).

We may from time to time upon giving you Notice, introduce or change fees and charges for your use of the Bank’s Internet/mobile banking service. You will also be subject to any standard fees and charges for automated transactions or bill payments. You authorise us to debit the account nominated by you for the amount of our fees and charges and any Government taxes or charges payable on transactions made via the Bank’s Website. If at any time there are insufficient funds in your nominated account to cover fees and changes, we are authorised to overdraw your nominated account by debiting fees and charges or debit any other account you hold with us.

Alerts are certain messages sent to you triggered by certain events taking place in your account. The Bank shall not be liable for the timeliness, completeness, accuracy and successful delivery or receipt of such alerts nor for the information or lack thereof contained in such alerts.

The Bank uses the services of correspondent banks to provide various services (i.e. draft issuance and cheque collection). The Bank will take all reasonable care to protect your interests when using these services, but the Bank will not be responsible if you suffer loss as a result of the actions of the correspondent bank.

• You may request that we withdraw your access to the Bank’s Website or mobile app. Such request must be in writing and you will remain responsible for any transactions made on your account/s via the Bank’s Website or mobile app up until the time of cancellation. We will not normally withdraw your Bank’s Website access until we have given you at least 14 days notice setting out the relevant details. However, we may suspend or withdraw your Bank’s Website or mobile app access without prior notice if:
• you have breached these Terms and Conditions;
• we learn of your death, bankruptcy or lack of legal capacity or that you have been adjudicated bankrupt or bankruptcy proceedings are pending or contemplated;
• there are insufficient funds to cover payments or payment instructions given;
• we consider that we have other reasonable grounds to do so (in which case all reasonable efforts will be made to advise you of the circumstances of withdrawal or suspension);
• we are complying with a court order;
• we are notified by any party of a dispute over either the ownership or funds or the operation of the account; or
• we are protecting one or all of the parties to the account, us or a third party who has reasonably claimed an profit in the account.
• We reserve the right to vary, change or upon giving you Notice, withdraw the Bank’s Website or mobile app service at any time.

You agree to follow the instructions supplied to you in relation to the use of the Bank’s Website or mobile app and you agree not to use or permit the Bank’s Website or mobile app or any part, to be used for any illegal or improper purpose. You acknowledge that any unauthorised reproduction of any proprietary information included in the Bank’s Internet/mobile banking services, or any portion of it may result in legal action being taken. You agree to indemnify the Bank and hold us harmless for any loss incurred or damage suffered by us, our customers or a third party or for any claim or action which may be brought against us by a customer or third party, which is in anyway the result of your use of the Bank’s Website or mobile app, or your failure to take all reasonable steps to prevent unauthorised use of the Bank’s Website or mobile app.

The Bank and its employees or agents shall not be liable for any act or failure to fulfill its obligations or loss suffered in relation to provision of the Bank’s Website service if the act, omission, failure or loss arises from any cause or event reasonably beyond our control. These events may include (but shall not be limited to) natural calamities, strikes, lockouts, riots, acts of war, epidemics, earthquakes, floods, governmental action, fire, communication line failures, power failures, computer or processing system failure.

All notices to us required under the Terms and Conditions must be made to P.O. Box205, Postal Code 114, Sultanate of Oman.