Terms & Conditions
(for requesting Debit Card through Self-Banking Portal)
1. Debit Card
The terms and conditions stated in this Agreement relate to the availing of cash withdrawal and other electronic transaction services by using Dhaka Bank Limited ATM/ Debit Card on the Cardholders accounts designated for the purpose.
1.1. In this Agreement unless otherwise specified:
a. This Agreement" means these terms and conditions as amended or supplemented;
b. "Designated Account" means the account(s) approved by the Bank to be accessed through the Card;
c. "Debit Card" means Visa/MasterCard branded ATM/Debit card issued by the Bank
d. "Cardholder" means the person to whom Card has been issued by the Bank
e. "PIN" means Personal Identification Number and/or Password and/or any other form of electronic identification/ signature issued by the Bank Cardholder at the Cardholders request;
f. "Transaction" means any transaction or instruction effected or issued, or purported to be effected or issued, by the Cardholder through the Card;
g. "Information" means information regarding the money or other relevant particulars relating to the cardholder, or the Account or any Transaction;
h. "VAT" means any value added tax, including any tax of a similar nature that may replace it or the levied in addition to if, by whatever name called;
i. "ATM" means Automated Teller Machine;
j. "POS" means Point Of Sale terminals.
k. “E-commerce” transaction means card used online in card not present environment
l. “Self-Banking” means an web based portal of Dhaka Bank Limited through which clients/customers can process and request certain banking activities i.e. DPS account opening, Term Deposit account opening, Card issuance request, card activation request.
1.2. At the applicant's request by paper application or through Self-Banking Portal, the Bank may issue the Cardholder a Card and PIN if the Applicant is a depositor of the Bank and maintains an account at any of its branches in Bangladesh. The Bank reserves the right to refuse on application for the issuance and/or renewal of a Card and/or PIN. If separate Cards are issued to holders of a joint account, then each cardholder Shall be jointly and severally liable to the Bank under this Agreement.
1.3. Upon receiving the card, card holder must activate the card by signing on the acknowledge slip and submit to a branch or through Self-Banking.
1.4. The Card is the property of the Bank and must be returned to the Bank on request or on cancellation or termination of the Card and/or this Agreement. The Card is to be used Solely by the Cardholder, and must not be transferred or pledged as security under any Circumstances.
1.5. The Cardholder shall collect and safeguard the PIN and/or card issued to him, and observe every procedural, security and other requirement of the Bank regarding their use. The Cardholder undertakes to notify the Bank immediately if (a) the PIN is lost or disclosed to any person or (b) the Card is lost or damaged or used by any other Person or (b) if any other event occurs which would, under the terms of this Agreement, allow the Bank to suspend or cancel the use of the Card. After receipt of any such notice purporting to come from the Cardholder, the Bank may suspend or cancel the Cardholder's use of the Card at any time. The. Bank shall not be responsible for any occurrence of any such event, the Bank may at its discretion issue a replacement Card and PIN on the Prevailing terms and conditions and charge a replacement fee.
1.6. The Cardholder will be responsible for all Transactions made by the use of the Card by any person purporting to be the Cardholder, with or without the Cardholder's authority, Knowledge or consent. And may not claim against the Bank in respect of any such use or purported, use, any claims against or disputes with the Bank are to be settled between the Cardholder and the Bank.
1.7. The Bank may at any time, without notice to the Cardholders and without assigning any reason thereof, and without liability for any inconvenience, loss, damage or injury suffered by the Cardholder or any third party
(a) limit, suspend or terminate any or all use of the Card;
(b) disallow any Transaction or allow a Transaction subject to such conditions as the Bank sees, fit
(c) revoke or suspend the Cardholders right and authority to use the Card; or
(d) retain or reject any Card and/or PIN.
1.8. The Cardholder will pay such charges and fees for the provision of Card and/or PIN as the Bank may prescribe from time to time, whether or not the Cardholder in fact makes use of the Card and/or PIN. If VAT is payable, the Cardholder will pay such VAT in addition to all sums payable and indemnify the Bank against any payment the Bank is required by law to Collect and Make in respect of such VAT. The Bank is authorized to debit the Cardholder's Designated Account(s) for all charges, fees, withdrawals and payments for the provision and/or use of the Card and/or PIN and any other liabilities to, and loss suffered by, the Bank as a result of the provision and/or use of the Card and/or PIN, even if such debiting results in the Designated Accounts) becoming overdrawn.
1.9. If any payment has been made by the Bank as a result of the Cardholder’s use or purported use of the Card and/or PIN and the Designated Account was consequently debited, but the debit was reversed in error or the Designated Account was not debited at all then the Bank shall be entitled to correct the Designated Account by (a) debiting the Designated Account with the amount paid by the Bank, or (bi) by dishonoring or returning cheques or other instruments and reversing the payment instruction, if there are insufficient funds available in the Designated Account, as the case may be.
1.10. All Transactions including utility bill payment initiated by the use or purported use of the Card and/or PIN, whether electronically or otherwise, shall be debited from the Cardholders Designated Accounts. The records of Transactions of the Bank and, Generated electronically or otherwise, shall be conclusive and binging on the Cardholder except in the case of computation and/or manifest error. The amount displayed on the ATM screen and/or printed on the ATM transaction receipt. Shall not be taken as conclusive of the state of the cardholder's Designated Account(s) with the Bank.
1.11. The Bank shall determine the minimum balance the Cardholder is required to maintain in Designated Account(s) for the use of ATM, POS and other electronic payment services offered through the Card and/or PIN. The Bank may at any time with notice to the Cardholder (as set forth in Clause 15 below (determine and vary) the frequency and manner of use of Card, transaction limits, operating hours, types of facilities and services available through the Card. The Bank and reserves the right to set limitations on individual transactions, including daily limits on cash withdrawals and to decide on the denomination(s) that should be dispensed from the ATM.
1.12. If a deposit service is offered to the Cardholder through the use of Card and PIN at an ATM, the Cardholder undertakes that any cash or cheque deposited through ATM is solely at the Cardholder's risk and responsibility. The Bank assumes no responsibility for the realization of such items and the Cardholder accepts full responsibility for the genuineness, validity, signature and endorsements appearing thereon. Cash and cheques (including house cheques) deposited through the ATM cannot be withdrawn until collected and verified by the Bank and the Cardholders' Designated Account(s) will only be credited after realization. The Bank's determination of the amount deposited shall be conclusive against and binding to the Cardholder.
1.13. The Bank and/or ETKI shall not be responsible in any way for non-availability ATM/POS services for any reason whatsoever and howsoever arising as a result of the provision of the Card or ATIV, insufficiency of funds in such machines, mechanical or power supply failure or otherwise.
1.14. The cardholder will indemnify the Bank against any liability, loss, damage, including solicitor and client casts and expenses (legal or otherwise) which the Bank may sustain or incur, directly or indirectly, by reason of our having mode available the Card and/or PIN or having entered into this Agreement with the Cardholder or enforcement of the Bank's right under this agreement or In acting upon any instructions which the Cardholder any give in relation to the Card and/or PIN or any negligence, fraud and/or misconduct on the cardholders part or on the port of any agent or representative of the Cardholder or the Cardholder's breach of this Agreement.
1.15. The Cardholder will provide the Bank with any information and documentation that the Bank any reasonably request relating to the Cardholder's use of the Card and/or PIN and shall cooperate with the Bank in any related investigation or litigation. The Cardholder consents to the Bank disclosing any information, whether in Bangladesh or otherwise (a) to Bank who has a legitimate business purpose for obtaining such information, including offering the Cardholder products or services in connection with or to facilitate the use of the Card and/or PIN. (b) to any person using the Card' and/or PIN purporting to be the Cardholder, or (c) where such disclosure is necessary to complete a Transaction.
1.16. All communications and/or questions regarding the use of the Card and/or PIN should be directed to the Banks Card Center. All notices or other communications given by the Bank to the cardholder if (a) sent by post or left of the Cardholders last known address will be deemed to be received by the Cardholder on the day following such posting or on the day when it so left, or (b) communicated through any print or electronic media as the Bank may select will be deemed to be notified to the Cardholder on the date of publication or broadcast, Each Cardholder of a joint account acknowledges that separate notice is not required.
1.17. This Agreement shall cease to be valid and the Card and/or PIN issued to the Cardholder must be returned to the Bank in the event of (a) expiration of the Card and/or PIN; or (b) the Bank requests the Cardholder to return the Card; or (c) closure of the Designated Account(s); or (d) the Cardholder's authority to operate the Design aged Account is terminated; or (e) death of the Cardholder. The Cardholder may terminate this Agreement by giving the Bank written notice and surrendering any Card and PIN issued to the Cardholder by the Bank. The Bank may without giving any reason terminate this Agreement at any time with or without notice to the Cardholder. Upon termination the Cardholder will not use or attempt to use the Card and/or PIN. Any such use shall be fraudulent.
1.18. In addition to this Agreement, usage of the card is also subject to the Bank's prevailing Terms and Conditions Governing the designated Accounts. If there is any conflict or inconsistency between this Agreement and the Terms and Conditions Governing Accounts, this Agreement will prevail. The laws of the People's Republic of Bangladesh govern this Agreement. The Cardholder and the Bank irrevocably submits to the exclusive jurisdiction of the court of the People's Republic of Bangladesh.
1.19. If any term of this Agreement is unlawful or unenforceable under any applicable law and/or instruction issued by the Bangladesh Bank, it will, to the extent permitted by such Law and/or instructions, be severed from this Agreement and rendered ineffective where possible without modifying the other terms of this Agreement. The Bank may be notice vary this Agreement, such variation to take effect on the date specified by the Bank. If the Cardholder uses the Card and/or PIN other such date, the Cardholder will be deemed to have accepted such variation without reservation. If the Cardholder does not accept the variation, the Cardholder must stop using the Card and/or PIN and terminate this Agreement.
1.20. The Bank is authorized to debit the Cardholder's Designated Account(s) for all bill payments made through the use of the Card and/or PIN.
1.21. The Cardholder will pay such charges and fees for the provision of Utility Bill Payment service as the Bank may Prescribe from time to time, whether or not the Cardholder in fact make use of such service. If VAT is payable, the Cardholder will pay such VAT in addition to all sums payable and indemnify the Bank against any payment the Bank is required by law to collect and make in respect of such VAT.
1.22. Holders of valid ATM/Debit Cards are eligible to enroll for the Utility Bill Payment service using the Card and/or PIN of ATM, POS and other payment terminals. The Bank and/or the Utility Company reserve the right to refuse on application for the enrollment of bill payment using the Card.
1.23. Upon enrollment, the Card may be used for payment of utility bills in accordance with the details given in the application form. The Cardholder undertakes to notify bank immediately of any change. Bank will act as an intermediary only in transferring funds from the Cardholder Designated Account(s) is settlement of the said bills. The Cardholder hereby irrevocably release the Bank from any liability for excess, insufficient, late or incorrect payment of the said bills or any consequence thereof (including, but not limited to, termination of service) or any other loss, damage, claims or proceedings that may arise as a result of the payment of such bills by using the Cardholder Card and/or PIN.
1.24. In case of disputes regarding the payment of bills by using the Card and/or PIN Bank shall not respond to, and shall not be a party to, any dispute regarding the correctness of the bills, or any utility services.
1.25. The Bank may at any time, without notice to the Cardholder(s) and without assigning any reason thereof, and without liability for any inconvenience, loss, damage or injury suffered by the Cardholder or any third party (a) limit, suspend or terminate the Utility Bill Payment service; or (b) disallow any Transaction or allow a Transaction subject to such conditions as the Bank sees fit, or (c) revoke or suspend the Cardholders right and authority to use the Card for such payments.
1.26. The Bank shall not be responsible in any way for non-availability of the Utility Bill Payment service for any reason whatsoever and howsoever arising.
2. DISCLAIMER
a. Due to the nature of the Services, no oral or written information or advice given by the Bank or the Bank's employees shall create a warranty or in any way increase the scope of this warranty, and you may not rely on any such information or advice. Bank shall not be liable for any loss, damages or expenses that you may or shall incur, including without limitation, any loss or damage caused to data, software, computer, telecommunications equipment or other equipment in connection with the Services unless they are caused solely and directly by gross negligence or willful default of Bank.
b. TO THE EXTENT PERMITTED BY APPLICABLE LAWS, THE BANK SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF OPPORTUNITY, LOSS OF SAVINGSS AND BUSINESS INTERRUPTION) OR SPECIAL OR EXEMPLARY DAMAGES (INCURRED OR SUFFERED BY YOU OR ANY OTHER PERSON AS A CONSEQUENCE OF USING THE SERVICES).
c. The Bank reserves the right to refuse or discontinue the Instructions for the following events: (a) the insufficiency of your outstanding credit balance, (b) non-existence or suspension of any Bank's credit line granted to you, (c) transaction with the Bank which may lead to an excess of the credit line originally agreed between the Bank and you, (d) transaction which is related to or become a dispute pending the court's trial, (e) notice of the Bank informing you of any operation irregularity which arises prior to or at the time of the Bank's execution of the transaction, you fail to perform or comply with any terms or agreements with the Bank or a consequence of Act of God.
By ACCEPTING the Terms & Conditions I/We confirm that the information given above is true and complete and agree to comply with the terms and condition stated above for requesting and debit card and activating using the Self-Banking portal and also agree to comply with the rules governing customer accounts with The Dhaka Bank Limited. This agreement shall apply to each and every account/product of whatever nature herein after opened or continued in the same name(s) by the Bank its successors or assigns. I/We hereby acknowledge that we have read and understood the terms and conditions related to the above service request mentioned in thise Terms & Conditions and agreed to comply with them. I/We also hereby acknowledge that, we are fully aware of the associated risks of using of alternate channels for any types of financial and non-financial transactions and also agreed to bear that risk. I/We also accept that, use of the alternate channels services is subject to compliance of prevailing regulations and schedule of charges/pricing of DHAKA BANK ("The Bank").
