1. The bank provides the customer with detailed instructions
about the phone banking service through the bank’s website or the user manual of
the service or by any suitable means, the customer should follow these instructions
carefully while using the service, the customer acknowledges that he / she has reviewed
and understood the service work mechanism, and that any information provided by
the bank are for guidance only.
2. The Bank reserves the right to add, delete or vary
the scope of Phone Banking Services and any of the terms and conditions herein from
time to time as the Bank in its absolute discretion thinks fit.
3. The Bank shall be entitled to levy charges, fees,
expenses, tariffs and such other amounts at such rates to be determined by the Bank
from to time for the Customer's use of Phone Banking Services. Details of all current
charges, fees, expenses, tariffs and such other amount levied by the Bank are available
at the branches of the Bank or at the Bank's official website.
4. The primary Visa Electron card's number and the
card's pin number are both used to enter to the phone banking service (financial
and non-financial services).
5. The primary Visa Electron card’s number and the
card’s pin number are considered as identification method to determine the identity
of the customer on phone banking system, any transaction has been done using these
means will be considered as to be done by the customer, the bank will considered
any person using these means to be the customer, also the customer will be responsible
for all transactions which will be executed using his / her means of identification
and to be responsible for any change
or lost or move of any of these means to others until the time the bank could stop
the service upon customer’s written request.
6. The Customer shall be liable and be bound by these
terms and conditions both jointly and severally when the Accounts are opened in
7. The service will be suspended when terminating
the primary Visa Electron card either permanently or temporarily or if the card
8. If the customer inserts the Visa Electron card's
pin number incorrectly for three successive times; phone banking service will be
suspended, the customer
can refer to one of the bank’s
to apply for re-activation of the services.
Bank has the right to partially withhold / stop the service for any period without
prior notice to the customer and without giving any reasons. The customer will be
informed if the bank withholds / stop the service completely.
the customer has doubts that his / her accounts are being manipulated by another
person through the service or there are doubts that his / her primary Visa Electron
card's number and the card's pin number has been revealed by a third party; then
the customer has to refer to one of the bank’s branches to inform the bank in writing
about the case or call Arabi Islami Customer Service Center during the working hours
to ask for suspend the phone banking service.
The customer remains
responsible for all amounts arising from misuse of Visa Electron card's number and
the card's pin number until the date of inform the bank in writing.
11. The customer can ask to stop the phone banking
service permanently/ temporarily, the customer can also ask to reactivate the service;
this can be done by refer to one of the bank’s branches and sign the related forms.
12. The bank has the right to use the information related to the customer internally,
to provide the customer with information about the services available in the bank.
Customer acknowledges that the bank is not responsible
for any damages, losses or costs may be incurred by the customer as a result of
disruption or modification of this service or non-implementation of the process
for any reason or cancel the service permanently , or any error in the information
that may be obtained.
The bank will not bearing any responsibility in
the case of irregular of service or stop the service or inaccuracy of the information
given through the service for any reason beyond the control of the bank.
The customer will bear the whole responsibility
that may arise as a result of debit his / her account / accounts when using the
financial services available through phone banking service, as well as any responsibility
that may arise as a result of any error when transferring any amount and/or amounts
for the account of any other customer.
The Bank has the right to correct errors that occur
in the electronic transfers without prior authorization from the customer, if these
errors are related to reverse an amount or a part of it, even if it had already
been wrongly credited to or debited on the customer account.
17. The bank is not holding any responsibility for
any damages that may occur to the customer as a result of lack of commitment to
take precautions when calling the service through a public telephone / mobile phone
in a public place or the use of devices which are not his or hers.
18. Despite the use of the available security means
by the bank to have the protection against
the risk of opening up communication networks
(phones, mobile phones, and the Internet), is that the bank is not responsible
for any damage that may be occur to the customer as a result of the risks associated
with the use of these networks. And that the customer is solely responsible for
all risks arising from the use of the service.
I hereby declare that I have reviewed the instructions and terms and conditions
of the phone banking service of Islamic
International Arab Bank mentioned above and understand
their content, the continuance in access to the service; will be considered
that I have reviewed, understand and
accept their content, without prejudice
to the right of the bank in amend all the
content of these instructions and terms
and conditions or any part of them at any time without prior notice and without
giving reasons and considered the amendment is effective against me after the bank's
announcement about the new amendments or notify
the customer by the means approved by the Bank.