BOC Smartgen

TERMS & CONDITIONS – BOC Non-face-to-face Customer onboarding (Online/ Digital Account Opening)

ELIGIBILITY FOR ACCOUNTS

1. The Applicant shall be above 18 years and a citizen of Sri Lanka to open an account online by means of remote identification at Bank of Ceylon (BOC).
2. If the Applicant is a resident in Sri Lanka, he/she shall have a valid National Identity Card (NIC) to initiate the opening of the Digital Account.
3. If the Applicant is a non-resident in Sri Lanka (A person residing outside of Sri Lanka for over 183 days), he/she shall have a valid National Identity Card (NIC) and a valid passport to initiate the opening of the Digital Account.
4. The Applicant shall provide a mobile number registered in the name of the Applicant.

ACCOUNT OPENING PROCESS

1. The Applicant shall provide all required information and the documents and follow the procedure prescribed by the Bank.
2. The Applicant shall authorize the Bank to obtain the identity information and images of the Applicant to verify the Applicant’s identity in accordance with the guidelines of Central Bank of Sri Lanka (CBSL) for opening the account.
3. The Applicant shall engage in a real time video conference with a staff member of the Bank and respond to the inquiries made by the Bank to establish the authenticity of the imagery and the accuracy of the information provided by the Applicant
4. The Applicant shall acknowledge that the Bank may use electronic interface published by Department of Registration of Persons (DRP) to obtain information of the Applicant in order to independently validate the Applicant’s identity.
5. If the Bank is unable to reach the customer at the given appointment time, the Bank will contact the customer to get an alternative time to schedule the call.
6. The Applicant shall be subject and adhere to the Customer Due Diligence (CDD), Anti- Money Laundering (AML) and Know-Your-Customer (KYC) requirements as specified by the Bank.
7. The Bank has the discretion to refrain from onboarding the Applicant or opening an account for the Applicant, if the Applicant does not meet the requirements: the Applicant is unable to comply with any aspect of the Bank’s established non face-to-face onboarding procedures/standards: When the Applicant’s behaviour causes the Bank to doubt the legal intents or purposes of the Applicant in opening the account: When the Bank is unable to identify the current location of the Applicant: Where the Bank has a reasonable suspicion on the authenticity of the document(s) in any manner.

OBLIGATIONS OF THE APPLICANT

1. The applicant confirms that he/she possess a Mobile Device/ Desktop PC with a Camera for the video interview with the Agent.
2. The Applicant is responsible for the security of the device and to keep the User credentials of signup confidential and must ensure that no other person has the access to Applicant’s device until the completion of the onboarding process
3. The Applicant shall possess a device with high quality Camera for the video conference with the Agent
4. If applicant’s Mobile Device is lost, and/or the possession of the customer’s SIM is changed, it is the sole obligation of the Customer to notify BOC immediately. In particular, the Customer shall call BOC via 1975 to report such incident and must follow the instructions provided by BOC to the Customer in order to fix or otherwise deal with the situation.
5. The Applicant shall solely be responsible for any activity conducted through the Customer's Sign up/ Sign in facility, failing to maintain the confidentiality of the OTPs and the security of the mobile device.
6. It is the Customer's responsibility to guarantee the accuracy of all information entered in to Non Face to Face Customer Onboarding/ Digital Account Opening facility.
7. It is the Customer's responsibility to make sure to allow necessary permissions of the laptop, tablet, mobile device to be compatible with the Non Face to Face Customer Onboarding/ Digital Account Opening process and make sure the device cameras, GPS functionality is functioning properly and connected through a WiFi/ have at least 4G data connection to satisfy the required criteria for Non Face to Face Customer Onboarding/ Digital Account Opening facility.

GENERAL TERMS & CONDITIONS

1. The Bank may contact the Applicant through the mobile number and e-mail address that the Applicant provided to the bank and the Applicant hereby authorises the Bank to use them in connection with online Onboarding to contact the Applicant and send electronic notifications via such communication channels.
2. The Bank may, fully or partially, utilise the service of third parties required for verification of Applicant’s residential address, identity, the authenticity of the identification documents.
3. The Bank is authorised to store, process and use Applicant’s data and data from third- party sources and to create profiles from such data.
4. When the Applicant undertakes online on boarding with remote identification, the Applicant accepts that Applicant’s data are processed as mentioned hereunder and the Applicant authorises the Bank to disclose your personal data.
5. BOC shall not seek additional confirmation on the legitimacy of any logins if the OTP entered is correct for sign up/ sign in to the user accounts used for onboarding the customer/ trace the status of the account opening applications made through the non- face-to-face customer onboarding/ digital account opening facility, and BOC shall not be accountable for carrying out instructions confirmed by a Customer's appropriate User Credentials.
6. The Applicant shall have the right to make any complaint to the Bank verbally or in writing to the nearest branch or Bank's Call Centre or to the Head Office or through the Tell Us online web portal as published via the Bank's official website.
7. The Customer must bear charges/levies and fees (collectively referred to as “Charges”) (if any) relating to the use of the Accounts (including any fees on debit card and charges on internet banking etc). BOC reserves the right to amend these Charges from time to time. The Customer agrees that BOC will have the right to debit customer’s Accounts related to each particular transaction/s, for Charges payable by the Customer, in relation to the use of the Account Services.
8. BOC maintains the right to periodically request further documents and supporting information, even after the registration of a Customer's Account has been completed, in order to fulfil ongoing anti-money laundering and "KYC" requirements of BOC. In the event that the customer fails to comply with a request for documentation and supporting information, BOC may, in its sole discretion, close the customer's Account.
9. If the FIU/ any other Law Enforcement Authority, or a regulator instructs BOC not to complete a transaction, BOC will suspend the transaction and give them time to conduct the required investigations.
10. In relation to the aforementioned, BOC is under no obligation to notify the customer of any actions it takes, and it will not be held accountable or responsible to the customer for any such actions.

DISCLAIMERS AND LIMITATIONS OF LIABILITY

1. BOC non face-to-face digital onboarding/ online account opening services, including all content, software, features, materials, and information made available or accessible via non face-to-face digital onboarding System, are supplied "as is" Basis. To the fullest extent permitted by law, BOC and its subsidiaries and other affiliates, as well as their agents, co-branders, or other partners, (collectively, "BOC parties"), make no representation or warranty of any kind for the services or the content, materials, information, and functions made available by the BOC non face-to-face digital onboarding platform and software used on or accessed through BOC non face-to-face digital onboarding system, or for any breach of security.
2. The Bank does not guarantee that the non-face-to-face onboarding functionalities will be uninterrupted or error-free. The Bank is not liable for any service interruptions during video conferences and related document uploading and processing functions.
3. Although the Bank has taken all appropriate security precautions according to the industry standard, it is not possible for absolute security to be guaranteed either on the part of the Bank or the Applicant. The Applicant expressly acknowledges and agrees that information provided to be used for its non-face-to-face digital onboarding process and BOC is not liable for any data breach or infringements occur due to malfunctioning, malware vulnerability or security beaches in customer’s device.
4. The Applicant accepts the risks associated with the use of communication channels, specifically the risk of disclosure of the banking relationship and related confidential information to third parties such as network and service providers.
5. Under no circumstances shall the Bank be responsible or liable to the Applicant or any third party for any indirect, consequential, special, punitive, or exemplary damages or losses, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses incurred in connection with the Bank’s non-face-to-face digital onboarding system, or services, or information received.
6. The Applicant recognizes that he accepts these Terms and Conditions on the basis of the limits of liability set forth herein, and that such restrictions are a necessary part of the transaction between BOC and the Applicant. In addition to and without limiting the foregoing, the Applicant acknowledges that the Bank shall not be liable for any failure or delay caused by any condition beyond such party's reasonable control, including but not limited to governmental action or acts of terrorism, earthquake, fire, flood, or other acts of God, labor conditions, power failures, and internet disruptions.

Having read and understood the terms and conditions and the features of the Accounts, I hereby agree to be bound by the terms and conditions above by clicking on the check box.

TERMS & CONDITIONS - For Personal Current & Savings Accounts

DEBIT CARDS

1. The BOC Debit Card shall at all times remain the property of Bank of Ceylon and shall be returned to the Bank unconditionally and immediately upon the Bank’s request.
2. BOC Debit Card is for my/our own personal use only. It is not transferable. It shall not be used for any purpose other than for transactions designated by the Bank.
3. I/We shall keep my/our personal Identification Number/s (PIN) strictly confidential and undertake not to reveal such number/s to any person at any time or under any circumstances. In respect of “BOC Debit Card PIN” shall mean the original Personal Identification Number confidentially generated for me/us by the Bank and any substitution effected by me/us.
4. I/We shall accept full responsibility for all transactions processed or effected by the use of the BOC Debit Card/s howsoever effected.
5. I/We hereby authorize the bank to debit my/our account with the amount of any withdrawal/transfer payment made by the use of the BOC Debit Card/s.
6. I/We further authorize the bank to debit my/our account with all charges relating to transactions made internationally through BOC Debit Card/s or through any other Local Networks including the Bank’s network, wherever applicable and also with any other liabilities inclusive of legal fee or other statutory charges if any, relating to the use of BOC Debit Card/s
7. If the account is a joint account, I/we shall be jointly and severally liable for all transactions arising from the use of the BOC Debit Card/s.
8. I/We shall accept the Bank’s records and statements of all transactions processed by the BOC Debit Card/s as conclusive and binding on me/us for all purposes.
9. If the BOC Debit Card/s obtained by me/us is/are stolen or lost I/we shall notify the Bank immediately and I/we shall also give a written confirmation to the Bank. I/we shall not hold the Bank liable for any loss incurred by the use of the BOC Debit Card/s which is/are lost, stolen or used without my/our authority.
10. The use of the BOC Debit Card shall be subject to the Bank’s prevailing rules, regulations and any terms and conditions governing all services, facilities and transactions covered by the BOC Debit Card or otherwise.
11. The Bank shall have the full discretion to cancel, withdraw or renew the BOC Debit Card without any prior notice or any reasons given to me/us. In the event that I/We decide to terminate the use of the BOC Debit Card, I/We shall give the Bank not less than 7 days prior notice in writing and forthwith return the BOC Debit Card and obtain a valid receipt thereof.
12. All replacements and renewals of the BOC Debit Card shall be subject to the terms and conditions, which are in force.
13. The Bank will not be responsible for the card not being honoured for any reason what so ever.
14. I/We agree to keep evidence in respect of withdrawal of foreign currencies using a debit card.

I/we agree not to use the BOC Debit Card/s Overseas to purchase goods in commercial quantities and for transfer of capital out of Sri Lanka. I/We agree to be liable for all charges arising from the card/s issued to me/us and indemnify the Bank from any losses if incurred.

SMS ALERTS

1. The Bank is not liable or responsible or accountable in any way whatsoever for any loss or damage howsoever arising out of any malfunction or failure of this alert service,
2. The Bank is not liable for any failure to perform its obligations under this arrangement due to the failure of any machine, computer system, or transmission link or delay in data processing or due to any industrial dispute or to anything beyond control of the Bank, and its employees and on any other failure or any fault of the mobile phone,
3. The use of SMS Alert facility shall be subject to the Bank’s prevailing laws, rules and regulations and/or any terms and conditions governing such services and/or facilities and/or transactions,
4. SMS alert deemed to be received by me/us when the Bank sends the SMS,
5. The Bank shall have the full discretion to cancel, withdraw or discontinue the SMS Alert facility without any prior notice or any reasons given to me.
6. The Bank may terminate the service, for any reason including limitation inactivity, violation of terms & conditions of services or other policies that the Bank may establish from time to time. Upon termination of the services, I/We shall remain liable for all payment transactions I/we have incurred. Upon termination the bank has the right to prohibit the my/our access to the service,
7. The Bank shall not be responsible for any loss or damage incurred by me/us as a result of using this facility and the bank is indemnified by me /us against all actions, liabilities, suits, claims, losses, damages, costs and expenses,
8. The Bank has the right to determine the information furnished through SMS alerts.
9. I/We agree to assure the secrecy of all information furnished to me/us and further agree that the bank is not responsible for any matter arising over this information received, read or seen by any third party through the mobile phone.
10. If the mobile phone is stolen/lost/transferred or the number is changed, I/we agree to notify the bank immediately and the facility to that Mobile would be terminated thereafter.

INTERNET & MOBLIE BANKING

1. THE SERVICE
   1. Bank of Ceylon (hereinafter referred to as the 'Bank') shall provide subject to these Terms and Conditions online services and facility (hereinafter referred to as “BOC Internet & Mobile Banking Facility and BOC Mobile apps”) through www.boc.lk or mobile application available in App Store/Play Store/Windows Store established, operated and/or maintained by or on behalf of the Bank.
2. USER NAME, PASSWORD INFORMATION & ONE TIME PASSWORD
   1. I/We shall follow the guidance provided by the Bank online in designating the user identification code (the 'User ID') and the password (the 'Password') for identifying me/us for the purposes of the services in BOC Internet & Mobile Banking Facility and BOC Mobile apps. Password shall mean the original Password confidentially generated by the Bank and/or subsequent password/s generated and issued to me/us by the Bank and/or the password/s created by me/us.
   2. The Bank may in its sole discretion require me/us to use a One-Time Password (OTP), which shall be transmitted through the short message service (“SMS”) by the Bank to my/our registered mobile number, for transactions that require such OTP for authentication purpose. I/We agree to input the OTP wherever and whenever applicable. I/We acknowledge and agree that I/we are responsible for the security of each mobile phone/number or other electronic devices used to receive SMS sent by the Bank. It is my/our responsibility to ensure that all electronic devices and SMS are kept confidential and secure.
   3. I/We shall act in good faith, exercise reasonable care and diligence in keeping the User ID, the Password, the electronic device/s, the One-Time Password and Security Questions and the answers thereto in secrecy. At no time and under no circumstances I /we shall disclose the User ID, the Password or the One-Time Password, Security Questions and the answers thereto to any other person or permit the security device to come into the possession or control of any other person.
   4. I/We agree to provide the Bank the username and authentication using the One- Time Password and complete the Password Reset Questions in order to unlock user ID, retrieve user ID and reset the Password online (OLR).
   5. I/We shall be fully responsible for any accidental or unauthorized disclosure of the User ID, the Password and/or the One- Time Password or Security Questions and the answers thereto to any other person and shall bear the risks of the User ID, the Password, the One- Time Password or the Security Device being used by unauthorized persons or for unauthorized purposes.
   6. Upon notice or suspicion of the User ID and/or the Passwords being disclosed to any unauthorized person or any unauthorized use of the services being made, I/ we shall notify the Bank in person as soon as practicable or by telephone at such telephone number(s) as the Bank may from time to time prescribe (and the Bank may ask me/us to confirm in writing any details given) and, until the Bank's actual receipt of such notification, I/ we shall remain responsible for all transactions made by the use of BOC Internet & Mobile Banking Facility and BOC Mobile apps by unauthorized persons or for unauthorized purposes.
3. TRANSACTIONS VIA BOC INTERNET & MOBILE BANKING FACILITY AND BOC MOBILE APPS
   1. By completing BOC Internet & Mobile Banking Facility and BOC Mobile apps application Form, I/we give my/our authority to accept and/or to act upon any instructions or messages received by the Bank through BOC Internet & Mobile Banking Facility and BOC Mobile apps which comes from me/us and which are authenticated in the way (if any) described in the User Documentation accompanied by the Password/s issued to me/us.
   2. I/We agree to perform BOC Internet & Mobile Banking Facility and BOC Mobile apps operations through the official web site www.boc.lk or App Store/Play Store/ Windows Store and use of specific menu options available therein.
   3. I/We do provide data, information, instructions and messages at my/our own risk. I/We will ensure that all data transmitted to the Bank for or in connection with BOC Internet & Mobile Banking Facility and BOC Mobile apps is correct and complete. I/We will let the Bank know immediately about any errors, discrepancies or omissions.
   4. I/We shall jointly and severally accept full responsibility for all transactions processed or effected by the use of BOC Internet & Mobile Banking Facility and BOC Mobile apps howsoever effected and the I/we further agree that the Bank is not responsible in any manner for the transactions processed or effected by me/us by the use of BOC Internet & mobile Banking Facility and BOC Mobile apps.
   5. I/We shall jointly and severally accept full responsibility for all documents including but not limited to all applications, forms, Letters of Set off, Letters of Indemnity executed or processed by the use of BOC Internet & Mobile Banking Facility and BOC Mobile apps.
   6. I/We do hereby authorize the Bank to debit my/our account/s (existing at the time of this application or opened by me subsequently) with the amount of any transaction made by the use of the BOC Internet & Mobile Banking Facility and BOC Mobile apps with or without the knowledge or any further authority by me/us.
   7. I/We agree that at no time will I/we attempt to effect transactions executed through BOC Internet & Mobile Banking Facility and BOC Mobile apps unless sufficient funds are available in my/our account/s. I/We agree that transactions scheduled for future date will be executed by the Bank only if sufficient funds are available in the account/s on the relevant date/s and further agree that the Bank is under no obligation to honour payment instructions unless there are sufficient funds in the designated account/s at the time of receiving the payment instructions and /or at the time such payments fall due.
   8. I/We agree that some requests/instructions given by me/us are subject to authorization by officer/s of the Bank, and therefore may not be immediately and automatically effected. I/We further agree that the Bank reserves the right to allow or disable such requests at its discretion without notice to me/us.
   9. I/We agree that when the Bank makes a payment on behalf of me/us the Bank is not acting as my/our agent or agent of the Biller to whom that payment is directed.
   10. I/We agree and authorize the Bank, at its discretion to record by whatever means the transactions which are effected via BOC Internet & Mobile Banking Facility and BOC Mobile apps by me/us and that such records may be used by the Bank for the purpose of, amongst other things, establishing or verifying that a particular transaction was effected through th
   11. I/We shall accept that Bank’s records and statements of all transactions processed by the use of the BOC Internet & Mobile Banking Facility and BOC Mobile apps as conclusive and binding on me/us for all purposes.
   12. I/We acknowledge that if I/ we apply for Debit Card, Credit Card, loan or any other product or service electronically through my/our BOC Internet & Mobile Banking Facility and BOC Mobile apps access, the Bank will accept such documents including but not limited to applications, forms, Letters of setoff and Letters of Indemnity as originating from me/us and as legally valid, and if such documents is approved by the Bank and the requested card, product, loan or service is offered, the Terms and Conditions governing the use of such respective card, product, loan or service will be valid and binding upon me/us.
4. REFUNDS

   I/We agree that the Bank is only a facilitator in making payments to the merchants and the Bank cannot and does not take any responsibility or liability for any refunds related to non-delivery of items, which should be taken up with the merchant concerned.

5. RESPONSIBILITIES FOR SECURITY
   1. I/We am/are aware that it is my/our responsibility to obtain and maintain any equipment, which may be necessary for using BOC Internet & Mobile Banking Facility and BOC Mobile apps, in proper working condition and with adequate safeguards against malicious threats to such equipment or to BOC Internet & Mobile Banking Facility and BOC Mobile apps.
   2. I/We undertake to access BOC Internet & Mobile Banking Facility and BOC Mobile apps only through the link provided in Bank’s official website www.boc.lk or App Store/Play Store/ Windows Store and not to access same using any other link.
   3. I/We undertake not to access BOC Internet & Mobile Banking Facility and BOC Mobile apps using defective or insecure equipment, or by any manner, which might adversely affect BOC Internet & Mobile Banking Facility and BOC Mobile apps.
   4. I/We do hereby agree to the change, from time to time the Password/s, User ID assigned to me/us.
   5. I/We will set up and maintain adequate measures to safeguard the BOC Internet & Mobile Banking Facility and BOC Mobile apps (including all information and data relating to payment beneficiaries) from disclosure to, and from access or use by anyone who is not authorized to do so.
   6. I/We shall inform the Bank immediately if I/we am/are aware of any unauthorized use of the User ID and Passwords by anyone.
   7. I/We acknowledge that, the Bank will not be liable for any losses incurred due to misuse of communications sent to the registered Mobile Number and/or Email Address provided by me/us to the Bank or due to change of any said details without prior written notice to the Bank.
   8. I/We accept that transmission of information through the internet/via email cannot be guaranteed to be error free and /or risk free due to the inherent nature of such transmission and I/ we further agree that the Bank shall not be liable for such errors and/or for any loss or damage that maybe suffered or incurred by me / us thereby.
   9. I/We accept and agree that the Bank will not be responsible or liable for non availability of this service due to any technical or other defect in the registered mobile phone/s and or disconnection of the mobile phone/s for whatsoever reason which will automatically disable me/us from using this service.
6. CONFIDENTIALITY OF BOC INTERNET & MOBILE BANKING FACILITY AND BOC MOBILE APPS SERVICE INFORMATION
   1. I/We shall keep my/our User ID, Password/s and security questions and answers thereto thereof strictly confidential and undertake not to reveal such numbers/information to any person at any time or under any circumstances.
   2. I/We shall keep all information, techniques, data and designs relating to BOC Internet & Mobile Banking Facility and BOC Mobile apps completely confidential. I/We shall not disclose any of them to any other party.
   3. My/Our obligations in connection with confidentiality will continue indefinitely and will not end with the expiry or termination of the facility.
7. CHARGES AND PAYMENTS
   1. I/We do hereby authorize the Bank to debit my/our account/s with all charges relating to transactions made through BOC Internet & Mobile Banking Facility and BOC Mobile apps including joining fees, annual fees and also with any other liabilities inclusive of legal fees or other statutory charges, if any, relating to the use of BOC Internet & Mobile Banking Facility and BOC Mobile apps.
   2. I/We agree that the Bank is entitled to alter the charges for BOC Internet & Mobile Banking Facility and BOC Mobile apps at any time.
8. LIABILITIES FOR LOSS, DELAY. ETC.
   1. I/We shall not hold the Bank liable for any loss incurred by the use of User ID and password/s issued to me/us or any substitutes thereon used without my/our authority. In the event of loss of the registered phone/SIM, I/we shall immediately inform the Bank to disable the BOC Internet & Mobile Banking Facility and BOC Mobile apps. The Bank will not be liable in any manner whatsoever, for any losses, damages, expense or detriment suffered or incurred by me/us as a result of the Bank effecting any transaction or furnishing any information via BOC Internet & Mobile Banking Facility and BOC Mobile apps which may not have been originated by me/us, unless I/we had notified the Bank of the loss of phone or SIM, or any misuse thereof, prior to such transaction.
   2. The Bank shall not be responsible for any loss or damage nor for any loss of profits, loss of contracts, financial losses and loss of data or loss of goodwill incurred or suffered by me/us as a result of non acceptance of and/or non adherence to instructions given on BOC Internet & Mobile Banking Facility and BOC Mobile apps for any reason whatsoever.
   3. I/We agree that in case of payments made for goods or services offered by third parties, the Bank cannot and does not take responsibility or liability on the quality, on time delivery or the availability of such goods or services such offered.
9. OPERATION BOC INTERNET & MOBILE BANKING FACILITY AND BOC MOBILE APPS
   1. I/We do hereby authorize the Bank to debit any of my/our account/s with the amount of any transaction performed by me/us.
   2. I/We agree to pay any charges/payments due to the Bank on transactions/functions performed by me/us by using BOC Internet & Mobile Banking Facility and BOC Mobile apps.
   3. The Bank shall attach or detach any accounts opened in my/our name/s, subsequent to this application. I/We agree and acknowledge that such attachment or detachment can be due to prevailing rules and regulations of the Bank.
   4. The Bank shall, from time to time introduce new facilities/options into BOC Internet & Mobile Banking Facility and BOC Mobile apps. I/We do hereby agree to abide by the terms and conditions applicable to such newly added services, facilities/options though added subsequently to the activation of the User IDs whether or not, I/we have expressly registered to avail such services.
   5. In case if the Bank requires to me/us to register for a specific service provided by BOC Internet & Mobile Banking Facility and BOC Mobile apps, I/we undertake to adhere to such request for registration to avail such service. I/We agree that any such subsequent registration becomes an integral part of the terms and conditions specified herein.
   6. I/We agreed that the Bank or their agents may hold and process my/our Personal Information, Mobile device ID(s) and all other information concerning my/our Account(s) or otherwise in connection with the BOC Smart online Banking/B app Services as well as for analysis, credit scoring, marketing and customer safe guard & customer security. I/We also agreed that the Bank may disclose, to other institutions/Government departments/statutory bodies/Central Bank of Sri Lanka/Credit Information Bureau of Sri Lanka. Such Personal Information as may be necessary for reasons inclusive of but not limited to participation in any telecommunication or electronic clearing network, in compliance with a legal or regulatory directives, for credit rating by recognized credit scoring agencies, for fraud prevention purposes.
10. CHANGING THE TERMS AND CONDITIONS
    1. I/We agree that he Bank shall at any time be entitled to amend, supplement or very any of these terms and conditions at its absolute discretion and such amendments, supplements or variation shall be binding on me/us.
    2. I/We accept and agree that the Bank has the right to determine and vary from time to time the scope and type of the Services to be made available including, without limitation:
       • Expanding, modifying or reducing the Services at any time;
       • Imposing and varying any restrictions on the use of the Services such as minimum and maximum daily limits with respect to the value of any transaction or dealing or any type of transactions or dealings which I/we may conduct by using the Services.
       • Prescribing and changing the normal service hours during which the Services are available and any daily cut-off time for any type of Services or transactions. Any of my/our instruction received by the Bank after any applicable daily cut-off time shall be deemed to be received on the next business day. I agree that the Bank may specify business day and daily cut-off time by reference to the time of various services.
11. CANCELLATION

    The Bank shall have the full discretion to cancel or withdraw the BOC Internet & Mobile Banking Facility and BOC Mobile apps without any prior notice or any reasons given to me/us. In the event that I/we decide to terminate the use of BOC Internet & Mobile Banking Facility and BOC Mobile apps, I/we shall give the Bank not less than seven days prior notice in writing and forthwith return any document relating to BOC Internet & Mobile Banking Facility and BOC Mobile apps which are given to me/us by the Bank and obtain a valid receipt thereof.

12. PROPRIETARY AND OTHER RIGHTS

    I/We agree that the BOC Internet & Mobile Banking Facility and BOC Mobile apps will remain the property of the Bank at all times and I/we will not copy the BOC Internet & Mobile Banking Facility and BOC Mobile apps or any of the information, technique data or designs relating to them.

13. INDEMNITY

    I/We do hereby agree and irrevocably hold the Bank indemnified and save harmless against any losses, charges, suit, claims, expenses and damages that the Bank shall or may be caused sustained, incurred or suffered by reasons of using BOC Internet & Mobile Banking Facility and BOC Mobile apps by me/us in any manner whatsoever and for any loss and/or misdirection of data in transit electronically and/or by reasons of the Bank generating and/or issuing and /or dispatching the original password/s according to my/our request and/or subsequent passwords to my/our User ID at any written request and/or any substitution effected by me/us.

14. GOVERNING LAW

    Any controversy arising under or relating to the terms and or conditions hereof shall be construed in accordance with the laws of Sri Lanka and Sri Lanka courts shall have exclusive jurisdiction on same.

STANDING ORDERS

1. Bank reserves its right to determine the priority of this payment order against cheques presented or any other existing arrangement made.
2. This order remains effective notwithstanding the death or bankruptcy/liquidation, until such death, bankruptcy/liquidation or revocation notice is being received by the Bank.
3. Any amendment or cancellation shall reach the Bank at least one week before the next successive payment due date.

E STATEMENTS

I hereby authorize to obtain e-statement to my registered email address in lieu of paper statements via post and to authorize the Bank to stop printing and sending physical statement to this account.
In consideration of the Bank of Ceylon at my request sending me e-statement in lieu of paper statement to my account, I do hereby undertake and agree to indemnify and save, defend and keep harmless the Bank of Ceylon, its successors, assigns agents and servants and every one of them from any losses, damages, interests, costs, charges and detriment of whatsoever kind or nature consequent on or attributable to the Bank of Ceylon sending me e-statement.

BOC Connect – Agent Banking Service

1. The BOC Connect facility is available for all Personal CASA account holders.
2. The Agent Banking Services provided by the Agent on behalf of the Bank in Sri Lankan Rupees to existing customers shall include, but are not limited to; Cash deposits, Cash withdrawals, Fund transfers (within BOC), Bill payments, Credit card Settlement and any other activity as bank may prescribe in writing from time to time with the approval of CBSL.
3. By using our Agent Banking services, you authorize the Bank to process transactions on your behalf through our authorized agents and You agree to provide accurate and complete information when conducting transactions.
4. By using our Agent Banking services, you authorize the Bank to process transactions on your behalf through our authorized agents and You agree to provide accurate and complete information when conducting transactions.
5. At no time shall the customer use or attempt to use the BOC Connect facility for any of its services unless sufficient funds are available in his/her account/s. Bank is under no obligation to honour payment instructions unless there are sufficient funds in customer’s designated account/s at the time of receiving payment instructions.
6. Charges are applicable to obtain services via BOC Connect – Agent Banking Services and all charges relating to transactions made by BOC Connect Agent shall be debited from customer’s account
7. In the case of a joint account, customers shall be jointly and severally liable for all transactions arising from the use of the BOC Connect facility.
8. The customer shall accept the Bank’s records and statements of all transactions processed by the use of the BOC Connect facility conclusive and binding for all purposes.
9. The customer shall accept full responsibility for all transactions processed or effected by the use of BOC Connect facility and in the event of any dispute arising, the decision of the Bank of Ceylon shall be final.
10. The Bank and its agents will not be liable for any loss or damage arising from circumstances beyond their control and in case of any complains on Agents or disputes related with Agent Banking Transactions, you should promptly contact the Agent Management Unit or Customer Experience Management Unit of the bank.
11. The Bank reserves the right to modify any of the rules, Terms & Conditions applicable to this facility at any time, without prior notice.

Card Less Withdrawal

1. The use of Cardless Cash Withdrawal facility shall be subject to the Bank’s prevailing laws, rules and regulations and/ or terms and conditions governing such service, and/or facilities and/or transactions.
2. The current transaction limits for own account withdrawal per transaction and per day maximum is Rs. 50,000/= and third party withdrawal via Transaction Key (T-Key) per transaction and per day maximum limit is Rs. 25,000/=. These limits are subject to change time to time as per the Bank’s discretion.
3. Own account withdrawal and withdrawal via T-Key will be charged a service fee of Rs.5.00 and Rs.30.00 respectively.
4. The Bank shall reserve the right to revise the service charges at its sole discretion and will debit the account nominated by the applicant or any of his/her accounts held at any branch office of the bank for the service charges.
5. The Bank shall determine the privileges attached to the use of Cardless Cash Withdrawal and shall have absolute discretion to change, vary or amend these privileges, terms and conditions attached thereto from time to time, as the Bank deems fit and such amendments, supplement or variation shall be binding for such registration.
6. The Bank shall have the full discretion to cancel, suspend, withdraw or discontinue the Cardless Cash Withdrawal facility without any prior notice or any reasons given to the applicant.
7. Cardless Cash Withdrawals are performed using the One Time Password (OTP) received to mobile phone. Therefore, it is the responsibility of the applicant to secure the mobile phone by a login password and keeping the mobile phone in secured custody.
8. The applicant shall be aware that OTP received to his/her mobile in respect of Cardless Cash Withdrawal should not be disclosed to anyone.
9. If the mobile phone is stolen/lost, the applicant immediately should notify the mobile service provider and deactivate the number for fraudulent usage. Further bank should be notified through nearest branch or call center immediately if the mobile phone is stolen/lost/transferred or the number is changed.
10. The Bank is not liable for any failure to perform its obligations under this facility due to the failure of any machine, computer systems or transmission link, or any fault of the mobile phone and/or service providers or delay in data processing or due to any industrial dispute or to anything beyond control of the Bank and its employees and on any other failure.
11. The bank may terminate the service for any reason including limitation inactivity, violation of terms and condition of service or other policies that the bank may establish from time to time. Upon termination of the service the applicant shall remain liable for all payment transactions the applicant has executed before the official termination made by the Bank.
12. The bank shall not be responsible for any loss or damage incurred by the applicant as a result of using this facility.
13. It is the responsibility of the applicant to send T-Key to the correct third party person/s mobile when setting transaction Keys. The Bank is not liable for any losses/ damages due to third party withdrawals made due to the customer negligence.
14. Applicant should ensure that sufficient funds are available in the account at the time of generating T-Key to a third party. When generating T-Key without sufficient funds in the account will be subject to applicable charges time to time and suspension of the service.
15. Applicant shall aware that insufficient account balances will be notified to the third party, if transaction get rejected due to insufficient account balances, when using send money option for third party withdrawal via T-Key.

GENERAL TERMS & CONDITIONS

1. The Bank shall be at liberty to change/modify the service charges and any other charges at its sole discretion and shall debit the account nominated by me/us or any of my/our account/s held at any branch of the Bank.
2. The Bank shall at any time be entitled to amend, supplement or vary any of these terms and conditions at its absolute discretion with notice to me/us and such amendments, supplements or variations shall be binding on me/us.
3. The Bank shall determine the privileges attached to the use of the aforesaid facilities and shall have absolute discretion to change, vary add or amend these privileges and conditions attached thereto, from time to time, as the Bank deems fit.
4. The Bank shall not have any liability for any failure or delay resulting from any conditions beyond its reasonable control that the Bank may establish from time to time. Upon termination of the services, I/we shall remain liable for all payment transactions I/we have incurred. Upon termination the Bank has the right to prohibit my/our access to the service/s.
5. To the fullest extent permissible by the Law, in no event shall the Bank be responsible or liable to me/us or any third party under any circumstances of direct or indirect losses/ damages.
6. The Bank may communicate with me/us regarding the service/s by means of electronic communications. Electronic communication can be deemed to be received by me/us when the Bank sends the electronic communication through the mode, that I/we have provided to the Bank. (email, SMS)
7. I/We shall accept full responsibility for all transactions processed or effected by the use aforesaid Facilities and shall release the Bank and its employees from all claims, demands & damages arising out of or in any way connected with dispute(s).
8. Any controversy arising under or relating to the terms and conditions hereof shall construed in accordance with the Laws of Sri Lanka and Courts in Sri Lanka shall have exclusive jurisdiction to settle the disputes.