ABii iFlex

1. The Customer shall initiate all Electronic Banking transactions or inquiries by use of his/her phone number and password.
2. The Customer shall not create a password or PIN that will be easy for others to determine. The PIN shall be 4-digit numbers which should be kept confidentially.
3. The Customer shall keep his / her password or PIN confidential. The Customer shall act in good faith, exercise reasonable care and diligence in keeping the phone number, password or pin confidential. At no time and under no circumstances shall the customer disclose the phone number, password or PIN to any person or permit the phone device to come into the possession or control of any other person.
4. The Customer shall not write his/her password or PIN or keep his/her phone device in an open place to prevent third parties having access to his/her password or PIN and/or plastic card. The Customer shall be fully responsible for any accidental or unauthorized access to the mobile phone device, or for any accidental or unauthorized disclosure of the Phone number, password or PIN to any other person and shall bear the risks of the phone number, the password or PIN being used by unauthorized persons for unauthorized purposes.
5. The Customer shall change his/her password or PIN immediately it comes to the notice of a third party.
6. Where a Customer notifies ANSL of his intention to change his/her password or PIN resulting from memory loss, ANSL shall with the consent of the Customer immediately reset the old password or PIN and then allow the Customer to enter a new password or PIN PROVIDED THAT ANSL shall not be responsible for any loss that occurs between the period of such memory loss and the time that a new password or PIN is entered by the Customer.
7. Until ANSL receives actual notice from the Customer (either in person, by designated email or by means of telephone at such telephone numbers as ANSL may from time to time prescribe about the password or PIN being in the control or possession of an unauthorized person, ANSL is exempted from any liability whatsoever for complying with any or all instruction(s) given by means of the Customer’s password or PIN, if in any way the password or PIN comes to the notice of a third party.
8. The use of the Customer’s phone device or password or PIN by any other person with his/her authorization shall be considered the same as the Customer’s written signature authorizing ANSL to complete any transaction or request communicated through the Service.
9. The Customer shall be responsible for any instruction(s) given through the Customer’s password or PIN. Accordingly, ANSL shall not be responsible for any fraudulent, erroneous or duplicate instructions given through the Customer’s password or PIN.
10. Sharing of the Customer’s password or PIN is strongly discouraged by ANSL and shall be done at the Customer’s sole risk and peril.
11. The use of the Customer’s password by its employee or any other person with its authorization shall be considered the same as the Customer’s mandate authorizing ANSL to complete any transaction or request communicated through the Service.
12. The Customer may at any time replace its users and may notify ANSL in writing if it so wishes.
13. The Customer shall not leave his/her mobile device phone or similar technology referred to in 1(a) for accessing the Service at any place where a third party may have access to them.

1. The Customer shall be absolutely responsible for safeguarding his/her password or PIN. Accordingly, ANSL is expressly exempted from any liability arising from unauthorized access to the Customer’s account as a result of the Customer’s failure to safeguard his/ her password or PIN.
2. The Customer shall ensure the secrecy of his/her mobile device, password or PIN. Accordingly, ANSL is expressly exempted from any liability arising from the Customer’s breach of duty of secrecy.
3. The Customer acknowledges that it is the sole responsibility of the Customer to ensure that the use of the Service is in accordance with the rules and regulations of the applicable law. The Customer undertakes not to use the Service to effect payment(s) for any illegal purposes (i.e. transactions not permitted under applicable laws, rules and regulations) including but not limited to money laundering, the transmission of any unlawful, libelous, offensive or obscene material.
4. The Customer shall be required to acquaint himself/herself with the process for using the Service and that he/she shall be responsible for any error made while using the Service.
5. It is the responsibility of the Customer to advise ANSL immediately of any change in his mobile number or loss/theft of mobile phone or loss/theft of any device by adopting the procedure laid down by ANSL for the purpose 
6. The Telecom Service provider of the Customer may levy charges for each SMS / internet and ANSL is not liable for any dispute that will arise between such telecom service provider and the Customer
7. ANSL shall upon receipt of notice of loss or theft of mobile device, de-activate the service. ANSL is not responsible for any loss of funds, relating to the loss/theft of a mobile device, which occurs between the period of such loss/theft and the time that the mobile device is de-activated by ANSL.

a) The Customer shall provide true, accurate, current and complete information about himself/herself as requested by ANSL in the registration form or process. The Customer shall not misrepresent his /her identity.

1. b) The Customer shall not assign or make any commercial use of the Service.
2. c)   The instructions of the Customer shall be effected only after authentication under his/her USER ID and PIN or through any other mode of verification as may be later stipulated at the discretion of ANSL.
3. d) While it shall be the endeavor of ANSL to carry out the instructions received from the Customer promptly, it shall not be responsible for the delay/failure in carrying out the instructions due to any reasons whatsoever including failure of operational system or due to any requirement of law. The Customer expressly authorizes ANSL to access his/her account information required for offering the services under the Service.
4. e) The Customer understands that ANSL may send “rejection” or “cannot process” the request messages for the service request(s) sent by the Customer which could not be executed for any reason.
5. f) The Customer expressly authorizes ABSL to carry out all requests/ transactions purporting to have been received from his/her mobile device or hardware device and authenticated with his/her password/PIN. In the case of payment facilities like fund transfer, bills payments etc. the customer shall be deemed to have expressly authorized ANSL to make the payment when a request is received from him/her.
6. g) The content and information on ABSL’s website as well as all rights to the web site are the property of ABSL. The Customer is only allowed to use the content and information as expressly authorized by the Services. Accordingly, the Customer shall not copy, reproduce, distribute, or create any derivative work from the content and information.

a) Electronic Banking services are available every business day including weekends and holidays except as provided below:

i) technical failure or problems with a Communication System directly or indirectly involved in providing Internet and Banking Services, be it ANSL or a third party’s;

ii) problems with a telecommunication or electricity service; or

            iii) other circumstances beyond our control

b) ANSL may occasionally perform maintenance on systems and equipment and this may result in error messages or interrupted Services.

c) ANSL shall within twenty-four hours of a disruption or anticipated disruption inform the Customer through short messaging system or other means determined by ANSL.

d) If Electronic Banking services are unavailable for any reason, the Customer should communicate with ANSL in any other way so that the Customer limits potential losses on the Customer’s Account.

• All account information provided through Electronic Banking will be (current) as of the end of the preceding business day and will not reflect Bank transfers or deposits made since the end of the preceding business day and are subject to further adjustment and corrections.
• It is the responsibility of the Customer to provide correct information to ANSL through the use of the Facility or any other method. In case of any discrepancy in this information, the Customer understands that ANSL will not be in any way responsible for action taken based on the information. ANSL will endeavor to correct the error promptly wherever possible on a best effort basis, if the customer reports such error in information.
• The Customer understands that ANSL will try, to the best of its ability and effort, to provide accurate information and shall not hold ANSL responsible for any errors or omissions that will occur due to reasons beyond the control of ANSL.
• The Customer accepts that ANSL shall not be responsible for any errors which will occur in spite of the steps taken by ANSL to ensure the accuracy of the information and shall not have any claim against ANSL in an event of any loss/damage suffered as a consequence of information provided by ANSL found to be not correct.

a) The Customer may use this service and other Services shall be made available to the Customer as and when ANSL, adds on new Services.

b) The Customer may sign up to the Services by contacting ANSL.

a)  The Customer expressly authorizes ANSL to debit the appropriate current or savings account in the amount of any bank transfer initiated through the Electronic Banking Service by the Customer or by any person who is authorized by the Customer to use his/her password or PIN.

b) ANSL may treat any such bank transfer from a Savings account the same as a duly executed written withdrawal or transfer.

c) ANSL shall upon the request of the Customer make available to the Customer in comprehensible form, information on conditions of transfer through the system as follows:

(i)  an indication of the time needed for the funds to be credited to the account of the institution of the beneficiary;

(ii) an indication of the time needed for the funds credited to the account of the institution to be credited to the account of the beneficiary;

(iii) details of any charges payable by the Customer; and

(iv)  details of any complaints and redress procedures available to the customer and means of access to them.

1. ANSL will upon the receipt of a transfer in favor of the Customer, provide the Customer with information in a comprehensible form, including:

 (i) the unique reference enabling the Customer to identify the transaction;

 (ii) the original amount of the transfer; and

(iii) the amount of charges payable by the Customer;

e) ANSL will endeavor to make the funds transfer available to the Customer within the time limit agreed.

a) The Customer’s ability to initiate bank transfers between deposit accounts may be limited by the terms of the Customer’s deposit agreement with ANSL.

b) ANSL may refuse to make any bank transfer for security reasons or otherwise provided in a deposit agreement with ANSL.

c) ANSL cannot postdate bank transfers.

ANSL will take reasonably practicable steps to ensure that its systems in connection with the Service are installed with adequate security designs and to control and manage the risks in operating the systems, taking into account any law, rules, regulations, guidelines, circulars, codes of conduct and prevailing market practices which may be applicable to ANSL, from time to time.

1. ANSL, does not warrant nor represents that the Service is free from virus or other destructive features which may adversely affect the Customer’s hardware, software or device.
2. Due to the nature of the Service, ANSL does not warrant that access to the Service shall be uninterrupted, timely, or error free. ANSL may suspend any of the services provided to the customer under the Service without notice where ANSL considers it necessary or advisable to do so, for example to protect the Customer when there is a suspected breach of security or ANSL needs to suspend the Services for maintenance  or where  other urgent  reasons so require.
3. ANSL will within twenty-four hours inform the Customer through short messaging system, our website(s) or other means determined by ANSL, if any of the services is not available.
4. In the event that ANSL has levied any charge to the Customer, which is specifically expressed to be for a particular service that is not available (which for the avoidance of doubt shall not mean any periodic fee charged for the Service as a whole) then ANSL shall reimburse the Customer this Other than reimbursing any sum as set out above, ANSL will have no further liability to the Customer.

1. To the fullest extent permitted by law, ANSL shall not be liable whatsoever for any loss, damage, or claim arising out of any delay or failure in the performance of the Electronic Banking in accordance with the Terms and Conditions.
2. ANSL’s duties and responsibilities to the Customer are strictly limited to those described in these Terms and Conditions, except with respect to any provisions of the law applying to electronic fund transfers that cannot be varied or waived by agreement.
3. In no event, will ANSL be liable for any consequential, special or punitive damages, or for any direct or indirect loss, that the Customer may incur or suffer in connection with the Service, even if ANSL has been informed of the possibility of such damages.
4. To the fullest extent permitted by law, ANSL shall not be liable at any time to the Customer or any other person for any loss, charge, fee, penalty, expense or other damage resulting from any failure or delay of the performance of the ANSL’s responsibilities which is caused or occasioned by any act or thing beyond the ANSL’s reasonable control, including without limitation, legal restraint, interruption of transmission or communication facilities, equipment failure, electrical or computer failure, war, emergency conditions, act of God, fire, storm, or other catastrophe.
5. Use by ANSL or its Customers of any information obtained via the internet or internet access service provider’s network is at the Customer’s own risk and ANSL cannot guarantee the accuracy or security of any internet or network content.
6. ANSL shall not be liable whatsoever for any damage or loss caused by the act, error, or omission of the Customer or any person purported to be acting for the Customer.
7. ANSL shall not be liable for any fraud or loss that arises from the use of the Customer’s password.

a) The Customer shall bear all security risks arising from the use of the Service except the ANSL’s internal risks such as internal fraud and identity theft and/or access to any Information or Report or any other information as a result of such use by the Customer or any other person authorized by the customer.

b) If, in the reasonable opinion of the ANSL, there is no negligence, fraud or fault on the part of the Customer, the Customer shall not be liable for loss or misplacement of funds caused by unauthorized transactions conducted through the use of the Service as a result of : –

(i) a computer crime which should have been prevented by the risks control and         management measures had ANSL adopted such measures in accordance     with Clause 10(a);or

(ii) a human or system error of the ANSL.

c) The Customer shall be responsible for all unauthorized or erroneous transactions initiated through Electronic Banking.

d) The Customer shall indemnify ANSL, its officers and employees against all liabilities, claims, demand, losses, damages, costs, charges and expenses of any kind (including, without limitation, legal fees on a full indemnity basis) which may be incurred by any of them and all actions or proceedings which may be brought by or against any of them in connection with the provision of the Service, unless it is due to the gross negligence or willful default of ANSL, or its officers or employ

ANSL shall notify the Customer of any transaction on the Customer’s account through electronic notification or a physical receipt as follows:

a) Transaction amount;

b) Transaction type;

c) Any fees charged;

d) Unique transaction reference;

e) Date and time of transaction; and

f) Identifying details of the recipient of an outbound transaction or of the sender of an inbound transaction

a) ANSL may from time to time, make additional services available through Electronic Banking and will notify the customer of the availability and the terms and conditions of these additional services.

b) The Customer, by using these additional services when they become available, agrees to be bound by any additional instructions, procedures, terms and conditions provided to him/her concerning these additional services.

1. The service is available for a fee and service charges determined by ANSL from time to time. ANSL reserves the right to charge the Customer a fee for the use of the services provided under the Service. Display of such charges on ANSL’s website, Head Office and branches in a standard form determined by ANSL would serve as sufficient notice and the same is binding on the Customer.
2. Fees may be collected from the Customer in such manner and at such intervals as ANSL may specify. The Customer authorizes ANSL to debit any of his accounts with any fees and/or charges in relation to the use and/or termination of the services.
3. ANSL shall give the Customer a prompt that continuing with the signing on process for any transaction would be taken as the Customer having read and accepted these Terms and Conditions.
4. ANSL shall give seven (7) days prior notice to the Customer of a change in the fee structure through short messaging service or any other means determined by ANSL. This shall be binding on the Customer if the Customer continues to maintain or use the services after the effective date of this Agreement.
5.  

1. In consideration of ANSL providing the Service, the Customer agrees to indemnify and hold ANSL harmless against all actions, claims, demands proceedings, loss, damages, costs, charges and expenses which ANSL may at any time incur, sustain, suffer or be put to as a consequence of or arising out of or in connection with any services provided to the Customer pursuant hereto.
2. The Customer shall indemnify ANSL for unauthorized access by any third party to any information/instructions/triggers given by the Customer or breach of confidentiality.

1. ANSL reserves the right to change or discontinue, temporarily or permanently the service at any time. In order to maintain the security and integrity of the Service, ANSL may also suspend the Customer’s access to the service at any time. ANSL will endeavor, in all cases, to inform the Customer through Short Messaging Service or other means determined by ANSL within twenty-four hours thereof.
2. ANSL will not be liable to the Customer or any third party for any modification or discontinuation of the service.
3. The Customer may cancel the Service by written request to ANSL at any time.

1. All notices and other communications to the Customer shall be in writing and delivered to the email address and phone number (text message), the Customer has provided to ANSL.
2. All notices and other communications to ANSL from the Customer shall be in writing and delivered to the ANSL’s address.

1. ANSL will endeavor to maintain a functional consumer complaints unit to which the Customer shall lodge complaints, if any, through phone calls, electronic mails, short messaging service and personal visit.
2. ANSL will endeavor to display the address, telephone numbers, and electronic mail address of the complaints resolution desk prominently at its branches and through its published electronic media channels (such as website, social media handles and publications).

1. If the Customer gives ANSL permission, ANSL may use the Customer’s Personal Information to contact the customer about products, services, and special offers from ANSL or other companies that may interest the customer via post, email, or text message.
2. If the Customer is not interested in these sales marketing the Customer may contact ANSL, and ANSL will stop.

1. ANSL reserves the right to lay down further terms and conditions or to amend these Terms and Conditions (including any fees or charges) pursuant to the introduction of new products or technology or to take into consideration any increase in costs or decrease in ANSL’s return or for security, legal, regulatory or market reasons or changes in internationally accepted Banking
2. ANSL will give reasonable notice to the Customer of any addition and/or changes to these Terms and Conditions (which notice shall, in the absence of exceptional circumstances, be of 30 days). Such revised Terms and Conditions shall be binding on the Customer if the Customer continues to maintain or use the services on or after the effective date of the new agreement

1. ANSL will store information and instructions received from you through any means or device(s) used, for  a minimum of six years, as required by law,  and such information will be accessed by employees of ANSL(as is deemed necessary) on need-to-know basis.
2. ANSL will comply with Data Protection Act, 2012(Act 843) and all applicable laws and regulations relating to the processing of personal data or privacy or any amendments and re-enactments thereof, and shall procure that its employees observe the provisions of the same.