T and C
Banking Terms and Conditions of Use
terms "we", "us", "our", "Bank",
"BDO " refer to Banco De Oro Uni Bank, Inc. "You"
refers to each enrolled user of the BDO's Electronic Banking
Services: BDO ATM, BDO Internet Banking, BDO Mobile Internet Banking,
BDO Phone Banking, BDO Mobile Banking, and BDO Call Center.
These Terms and Conditions form the contract between you as a
customer and BDO as the provider of these services. By enrolling in
and using BDO's Electronic Banking Services, you acknowledge and
accept these Terms and Conditions. While we will provide a secure
system within which you can conveniently carry out your banking
transactions via the ATM, Internet, Phone, Mobile Phone, and Call
Center, you shall take full responsibility for protecting your
personal information and accounts once you are enrolled in the
service/s and using secure communication lines and internet
connection when utilizing the service/s. Before doing any online
transactions or sending personal information, make sure that correct
website has been accessed. Always enter the URL of the website
directly into the web browser and avoid being re-directed to the
website, or hyperlink to it from a website that may not be as secure.
Beware of bogus or "look alike" websites.
BDO's Electronic Banking Services can be used to access your bank
accounts and do transactions through BDO ATM, BDO Internet Banking,
BDO Phone Banking, BDO Mobile Banking, and BDO Call Center provided
you request to specifically enroll these accounts.
Access to BDO's Electronic Banking Service
To access your accounts through BDO's Electronic Banking Services,
you must have a valid ATM Personal Identification Number (PIN) for
BDO ATM, User ID and an online password for BDO Internet Banking,
Phone Banking ID and Telephone PIN for BDO Phone Banking, or Mobile
Banking PIN for BDO Mobile Banking.
BDO ATM Card Number
and ATM PIN
You shall enter your
preferred ATM PIN upon initial transaction in any BDO ATM. Your ATM
Card shall be unique to you and when used with your ATM PIN will
enable you to access your accounts via BDO, Megalink, Expressnet and
BDO Internet User ID and Password
You shall nominate your preferred User ID and Password upon
enrollment to BDO Internet Banking. Your preferred User ID shall be
unique to you and when used together with your Password will enable
you to access BDO Internet Banking.
BDO Phone Banking ID
and Telephone PIN
You shall nominate
your preferred Phone Banking ID and Telephone PIN upon enrollment to
BDO Phone Banking. Your preferred Phone Banking ID shall be unique to
you and when used together with your Telephone PIN will enable you to
access BDO Phone Banking.
BDO Mobile Banking ID and Mobile
Your Mobile Number shall be your
Mobile Banking ID. You shall receive a system-generated Mobile
Banking PIN via a text message upon processing of your enrollment.
Your Mobile Banking ID when used together with your system-generated
Mobile PIN will enable you to access BDO Mobile Banking.
You will be responsible for keeping your User ID and password/PIN
confidential. For security reasons, you must make it a habit to
change your password and/or PIN regularly, especially if you suspect
its confidentiality has been compromised. It is strongly suggested
that the password and/or PIN you select must not relate to any
readily accessible personal data such as your name, birth date,
address, phone number, or identification card number; or an obvious
combination of letters and numbers, including sequential numbers
(e.g. 123456); or one which can easily be guessed by someone else
such as nicknames, places or events and dates of events closely
associated with you.
circumstances should you keep a written or electronic record of your
User ID and password/PIN, nor disclose these to any other person,
including family, co-employees and those with apparent authority,
i.e. bank staff. Do not disclose personal information such as
address, mother's maiden name, telephone number, social security
number, bank account number or e-mail address unless the one
collecting the information is reliable and trustworthy. These must
remain confidential to you alone and you must take all reasonable
steps to prevent disclosure.
your User ID and password/PIN, you should log off after transaction
is completed or when computer is unattended. Clear the memory cache
and transaction history after logging out from the website to remove
account information. It is also recommended that you do no open other
browser windows while banking online.
You will not use or permit the use of your User ID and password/PIN
in whole or in part for any purpose, whether legal or illegal, other
than as specifically intended to carry out your banking transactions
and inquiries via BDO Electronic Banking Services.
Transactions carried out via BDO Electronic Banking Services are
subject to all BDO conditions, fees and charges applying at the time
of the transaction.
The use of your User
ID and password/PIN will serve as your authorization for us to carry
out transactions that you initiated.
acknowledge that we shall have no obligation to verify authenticity
of any instruction received from you through the use of your BDO
Electronic Banking Services accounts and without further inquiry, act
on any directives contained in that instruction. The Bank shall be
entitled (but not bound) to give effect to any instruction received,
in the terms in which it was received. The Bank's record of any
instruction shall (unless there is an obvious error) be final and
Each enrollment can consist of a single user (one person) or joint
users (several persons).
Individual, Personal Joint OR Account, individual Parental By Account
and Joint OR Parental By Account shall be allowed to enroll in BDO
Electronic Banking Services. For joint OR accountholders, you
understand and agree that all transactions to be made by any one of
the enrollees via BDO's Electronic Banking Services are done with the
consent of all co-depositors.
access your accounts via BDO Electronic Banking Services seven (7)
days a week, twenty four (24) hours a day. However, at certain times,
some or all of BDO's Electronic Banking Services may not be available
due to system maintenance.
Accuracy of Information
You are responsible for and must take all
reasonable care to ensure the information you supply is accurate. We
accept no responsibility and liability for the accuracy of the
information or for failure to transmit such information in the manner
requested by you.
You are responsible for
verifying transaction history details and statements to make sure
that there are no unauthorized transactions. You should likewise
review and reconcile monthly credit card and bank statements for any
errors or unauthorized transactions promptly and thoroughly. It is
also strongly suggested that you regularly check your e-mail for
contacts by merchants for important information about transaction
You must let us know as soon as
you think there has been an error in your transactions carried out
via BDO Electronic Banking Services. You may call BDO Customer
Contact Center at the following telephone nos.:
- Metro Manila - 631-8000
- Domestic Toll Free
No. - 1-800-10-631-8000 (PLDT)
International Toll-Free No. - (Int. Access Code)-800-8-631-8000
We may require that you send us your complaint or query within
24 hours by sending an email to the BDO Customer Contact Center
(email@example.com) for questions or errors about online
transactions/services. You may also write to BDO Customer Contact
Center, Banco De Oro Unibank, Inc., 209 Ortigas Avenue, Greenhills,
San Juan, MM 1502.
When you tell us your problem, please:
Tell us your name, ATM Card No./ User ID/Phone Banking ID, Mobile
Banking ID and bank account number.
· Describe the error
or transaction and explain why you believe it is an error.
Tell us the date and time of your transaction. To facilitate our
investigation, supply the following details as applicable depending
on the type of transaction: account number/s, merchant, subscriber
number, amount, mobile number, ATM card number and reference number
for the transaction in question.
inform you of the results of our investigation immediately, and we
will correct any error promptly. However, we do not guarantee
reversal of your transaction that has been completely consummated and
is irreversible. If the error cannot be rectified, BDO shall not be
liable for any actual, direct, special and consequential damage,
injury or loss incurred as a result of or arising from such error.
We will try to
effect such transactions on your account/s as received via BDO
Electronic Banking Services, provided there are sufficient funds
available in your accounts. It is your responsibility to ensure
sufficient funds are available in your accounts at all times to cover
any of your transactions, immediate or scheduled, and that these
accounts are active. Any charges or penalties as a result of an
unsuccessful transaction due to insufficiency of funds or dormancy of
the account will be your sole responsibility and shall be for your
We implement cut-offs during the
day for each transaction. If you carried out a transaction after the
cut-off time, it will be stored and processed the next banking day.
Any charges or penalties as a result of a next day transaction will
be your sole responsibility.
Notice to you may be sent to your address as shown on our
records by regular mail or via electronic mail or other means of
communication as we deem appropriate.
BDO shall not be liable for any loss or damage of whatever nature in
connection with the implementation of transactions coursed through
BDO Electronic Banking Services in the following instances:
Disruption, failure or delay relating to or in connection with the
BDO Electronic Banking Services which are due to circumstances beyond
the control of the Bank, fortuitous events such as but not limited to
prolonged power outages, breakdown in computers and communication
facilities, typhoons, floods, public disturbances and calamities and
other similar or related cases.
2. Loss or damage you may
suffer arising out of any improper, fraudulent access or utilization
of the BDO Electronic Banking Services due to theft or unauthorized
disclosure of User IDs, passwords, ATM PINs/TPINs/MPINs or violation
of other security measures with or without your participation.
Inaccurate, incomplete or delayed information you received due to
disruption or failure of any communication facilities used for BDO
Electronic Banking Services.
4. Such other circumstances or
reasons which effectively prevent the Bank from implementing the
The Bank shall not be liable
for any indirect, incidental or consequential loss, loss of profit or
damage you may suffer or have suffered by reason of your use or
failure or inability to use the BDO Electronic Banking Services.
You shall be liable for some or all loss
from unauthorized transactions if you have breached these Terms and
Conditions or contributed to or caused that loss. You agree to hold
the Bank, its stockholders, directors, officers, employees and
representatives free and harmless, as well as indemnify them, from
any and all liabilities, claims, damages, suits of whatever nature,
arising out of or in connection with the implementation of BDO
Electronic Banking Services, including any and all errors
inadvertently committed, any computer-related errors resulting to the
Bank's failure to effect any instruction via BDO Electronic Banking
Fees and Charges
We may from time to time upon giving you Notice, introduce or change
fees and charges for your use of BDO Electronic Banking Services.
You authorize us to debit the account
enrolled by you for the amount of our fees and charges payable on
transactions made through the BDO Electronic Banking Services. If at
any time there are insufficient funds in your account to cover fees
and charges, we may either refuse to carry out your transaction
without incurring any liability as a result of such refusal or
overdraw your account by debiting fees and charges or debit any other
account you hold with us.
Termination of Service
You may request that we terminate your access permanently by calling
BDO Customer Contact Center, by selecting unenrollment on Internet
Banking , or by visiting any of the Bank's branches. You will remain
responsible for any transactions made on your account until the time
of cancellation. The Bank shall not be liable for any and all
remaining scheduled transactions that you previously set up.
We may terminate your access at any time and for any reason, upon
giving you thirty (30) days prior notice of such termination.
We may terminate your 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 committed an act of bankruptcy or that a bankruptcy
petition has been presented against you;
There are insufficient funds to cover payments or payment
instructions given; or
· We consider
that we have other reasonable grounds to do so (in which case all
reasonable effort will be made to advise you of the circumstances of
termination or suspension)
Consent to Recording
You hereby consent to our recording of your telephone instructions
to/conversations with our BDO Customer Contact Center Officers/staff
and you hereby agree that such recordings may be submitted as
evidence in any court or other proceedings relating to your availment
of BDO Call Center Service/BDO Phone Banking.
You hereby agree
to receive messages/announcements from BDO Online Banking regarding
service downtime advisories, featured services and marketing
promotions via e-mail, call, or SMS.
We reserve the right to
vary these Terms and Conditions at any time and will give you thirty
(30) days prior notice of such changes.
by your act or omission, fault or negligence, the Bank become
involved in any litigation which may have relation with BDO's
Electronic Banking Services, the Terms and Conditions of its use, or
with any rights, powers and remedies hereunder, then you agree to pay
all fees and expenses incurred by the Bank in such a litigation,
including but not limited to a reasonable amount for the attorney's
fees which amount is hereby agreed to be at the rate of at least 10%
of the sum sought, which shall not in any way fall below P10,000.00
as well as the costs of suit. Venue of all legal actions or
proceeding arising out of or in connection with BDO's Electronic
Banking Services shall be brought in the proper courts of Makati
City, Philippines or any other place where the Bank may subsequently
transfer its principal place of business.
This Agreement shall be governed by and construed in accordance with
the laws of the Philippines. It shall be understood that access to
and use of the BDO Electronic Banking Services shall be subject to
applicable requirements and procedures of government
telecommunications or other regulatory authorities and those
prescribed by law.