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2.1
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The Bank will provide e-Remit to selected Applicants at its discretion. The submission
of application form, whether on-line or otherwise, does not in any way imply the
acceptance of such application or entitle the Applicant to the e-Remit Facility.
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2.2
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The e-Remit Facility is provided only as a convenience to the Customer and the Customer
uses the e-Remit Facility at his own risk.
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3.1
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Any individual who are Citizens, Permanent Residents, Employment Pass Holders and
Work Permit Holders of Singapore are eligible to apply.
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4.1
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The Bank shall be at liberty to change, vary or upgrade its software, hardware,
operating systems etc from time to time and shall be under no obligation to support
the software, hardware, and operating systems of the Customer.
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4.2
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If the Customer access the e-Remit service from a country other than Singapore,
the Customer is responsible for complying with the local laws of that country, including
(but not limited to) obtaining any necessary license.
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4.3
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The Customer has to take appropriate measures at his cost to protect his systems
from the likes of hackers, virus attacks, etc. Measures include installation of
effective anti-virus scanners, firewalls, etc.
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5.1
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The fees and charges payable to the Bank are stated in the Schedule of Fees and
Charges found at the Website. The Bank is fully entitled to and may revise the Scheduleof
Charges and Fees from time to time without prior notice to the Customer; without
prejudice to the aforesaid, the Bank will endeavour to provide notice of the said
revision of Charges and Fees via the Website where it is practicable to do so. By
proceeding with any e-Remit Transaction after the Effective Date, the Customer shall
be deemed to have agreed with the said new fees or charges.”
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5.2
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Subject to Clause 5.1 and the terms and conditions herein, the Bank shall be entitled
and the Customer authorises the Bank to debit directly without prior notice all
fees and charges due from the Customer to the Bank herein from the Customer’s
designated account.
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5.3
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The Customer acknowledges and agrees that there may be potential or indicative charge
which may be imposed by overseas banks or other third parties which may reduce the
amount ultimately received by the Customer or the Customer’s beneficiary.
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6.1
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Upon successful registration, the Customer will be provided with a temporary User
ID and Password which he will be required to change on first login. The Customer
shall be solely responsible for the secrecy of the Password which will never be
requested for by the Bank except in the course of the Customer using the e-Remit
Facility.
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6.2
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In addition to the User ID and Password mentioned above, the Bank may at its discretion
and advise or require the Customer to adopt such other means of authentication including
but not limited to digital certification and/or smart cards.
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6.3
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Upon applying for the e-Remit Facility, and in any event upon successful registration,
and the Customer agrees that ensuing Electronic Requests and/or e-Remit Transactions
shall be subject to these Terms and Conditions.
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7.1
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The Bank shall endeavor to provide to the Customer through e-Remit Facility such
and services, products and facilities as the Bank may decide from time to time.
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7.2
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The Bank will take reasonable care to ensure the security of and prevent unauthorized
access to the e-Remit service using technology reasonably available to the Bank.
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7.3
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The Customer shall not himself use or permit others to use e-Remit Facility or any
related service for any illegal, improper or unauthorized purpose.
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7.4
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The Customer acknowledges that the e-Remit Facility operates partly on services
provided by other parties including the eNETS Banks, eNETS and NETS.
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7.5
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The Bank shall be at liberty to effect an e-Remit Transaction through any correspondent
or other agency.
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7.6
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Unless specified otherwise all charges incurred outside Singapore are for the account
of the addressee or beneficiary.
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7.7
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The Bank reserves the right to effect any e-Remit Transaction in a different place
from that specified by the Customer if operational circumstances so require.
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7.8
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Where the Bank is unable to provide a firm exchange rate quotation, the Bank shall
effect the e-Remit Transaction on the basis of a provisional exchange rate which
shall be subject to adjustment when the actual exchange rate is ascertained. Any
difference between the provisional rate and the actual rate shall be debited or
credited as the case may be to the Customer’s account.
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7.9
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The Bank reserves the right, which right shall be used reasonably, to refuse any
Electronic Request without assigning any reason.
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8.1
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The Bank reserves the right to terminate, suspend, discontinue, add on, subtract
or modify all orany type of services, products or facilities which a Customer may
be offered through the e-Remit Facility at its sole discretion without prior notice.
In the event of such termination, suspension or modification the Bank shall as soon
as is practicable put up a notice pertaining to the same in the Website.
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8.2
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The Bank may suspend or terminate the e-Remit Facility without prior notice if the
Customer has breached any of the Terms and Conditions of this e-Remit Facility or
other agreements with the Bank, or if the Bank learns of the death, bankruptcy or
lack of legal capacity of the Customer.
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9.1
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Bank has created specific procedures/options for processing Electronic Requests
and e-Remit Transactions over e-Remit Facility. If the Customer gives instructions
through other mechanisms (such as mail within e-Remit, normal e-mail etc.), Bank
will not be obliged to process these transactions.
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10.1
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Valid instructions received by the Bank will in general be processed on first-in-first-out
basis. Where Electronic Requests are received by the Bank on holidays/public holidays,
they shall be affected on the next working day on the terms and conditions prevailing
on that day
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10.2
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If the addressee is the Bank, the time of receipt of the Electronic Request is the
time when the addressee Bank branch retrieves the said Electronic Request and not
the time when the Electronic Request enters the designated computer resource.
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10.3
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Unless the Bank sends out a confirmation of receipt, an Electronic Request sent
by the Customer is not deemed to have been received by the Bank and may not be processed,and
the Bank is not liable for any claim, loss, damage or expense which may arise from
instructions that were not so received.
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11.1
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Notwithstanding any provision in this Terms and Conditions to the contrary, the
Bank shall be entitled but not obliged to withhold payment of the whole or in part
of any sum in respect of any e- Remit Transaction, and if any remittance has been
made to a Customer or beneficiary, to an immediate refund from that Customer or
beneficiary of the amount of the payment in any of the following circumstances:-
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a.
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The Customer has failed to observe, comply with or discharge any of the provisions
of these Terms and Conditions;
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b.
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The Customer alleges in writing that the Electronic Request was not issued or submitted
by him;
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c.
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The Customer disputes the Electronic Request;
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d.
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Any particulars of the Electronic Request is incorrect or incomplete;
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e.
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In the event of multiple or excess payments; or
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f.
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The Bank is of the opinion that the Customer had not effected the Electronic Request.
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11.2
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For purposes of this clause 11, the Bank shall be authorised by the Customer, and
the Bank shall be entitled but not obliged, to debit directly without prior notice
any amount which shall be refunded by the Customer, addressee or beneficiary under
clause 11.1 from any account of the Customer, addressee or beneficiary held with
the Bank.
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12.1
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e-Remit Transactions are permitted only after authentication of the USER with the
use of his User- ID and Password. The Bank shall have no obligation to verify the
authenticity of any transaction received from the Customer through e-Remit or purporting
to have been sent by the Customer via e -Remit other than by means of verification
of the User-ID and the Password.The display or printed output that is produced by
the Customer at the time of operation of e-Remit is a record of the operation of
the e-Remit session and shall not be construed as the Bank's record of the transactions.
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12.2
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Save for any manifest error, and unless any discrepancy or dispute is reported to
the Bank in writing within one (1) week from the date of the relevant Electronic
Request or e- Remit Transaction by the Customer, the Bank's own record of transactions
maintained through computer systems or otherwise shall be accepted as conclusive
and binding for all purposes.
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12.3
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All instructions and transaction requests received by the Bank through the e-Remit
service will be irrevocable and the Bank may (though not obliged to) proceed with
the instructions or transaction requests without further confirmation from the Customer.
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13.1
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The Bank shall endeavor to take reasonable measures, which may include encryption,
to ensure that the Customer's personal information is not disclosed to any person
except to other persons to whom theinformation may be provided as per the Bank's
Privacy Policy and other persons specified by the Customer. However, the Internet
is an open system and the Bank cannot, and does not, guarantee that the personal
information, which the Customer furnishes, will not be intercepted or accessed by
others and decrypted. The Bank shall not be liable nor responsible for any confidential
or other information provided by or pertaining to the Customer (including bank account
numbers, passwords, personal identification numbers, IDs, transaction details, etc.)
that was intercepted and subsequently used by an unintended recipient beyond its
control.
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13.2
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The Customer hereby authorises and gives consent to the Bank to disclose to any
eNETS Bank, a beneficiary named by the Customer and/or any party named below (as
the case may be) whatever information about the Customer as is reasonable:
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a.
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to facilitate any transaction under the e-Remit Facility;
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b.
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to verify and settle accounts of the Customer;
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c.
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for purposes of operation of the e-Remit Facility;
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d.
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for purposes of enabling the Bank to carry out its obligations and duties under
these Terms and Conditions;
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e.
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to any party that the Bank shall deem appropriate for the purpose of any investigation
or query relating to any e-Remit Transaction;
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f.
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to any customer credit bureau recognised by the Monetary Authority of Singapore
and gazetted under the Banking Act (Cap. 19) of Singapore;
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g.
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to comply with the law, regulations of any regulatory authority or Court Order;
or
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h.
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for any other relevant purpose that the Bank deems necessary from time to time.
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13.3
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Without prejudice to the generality of clause 13.2, in accordance with the Bank’s
policies in relation to anti-money laundering and counter terrorism financing regulation,
the Customer’s name, account number and address (as held in the Bank’s
records) will be included in the e-Remit Transaction. By initiating any e-Remit
Transaction, the Customer consents to the inclusion in messages under the e-Remit
Transaction of the aforesaid details and/or any other information (including but
not limited to information relating to the payee) required pursuant to any relevant
ant-money laundering and counter-terrorism financing operation regulation in Singapore
or the country through which payment is to be made.
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13.4
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The Customer agrees that the Bank may hold and process the the Customer’s
personal information on computer or otherwise in connection with e-Remit Facility
as well as for statistical analysis and credit scoring. The Customer also agrees
that the Bank may disclose, in strict confidence, to other institutions, such personal
information as may be reasonably necessary for reasons inclusive of, but not limited
to, the following:
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a.
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For participation in any telecommunication or electronic clearing network;
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b.
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In compliance with a legal directive;
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c.
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For credit rating by recognized credit-scoring agencies; or
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d.
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For fraud prevention purposes.
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13.5
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The Bank may disclose details of the account to Government of Singapore or other
policies Government or Public Authorities or Inland Revenue, Commercial Affairs
Department etc., when required by law.
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13.6
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The Customer acknowledges that there may be inadvertent disclosure of information
about the Customer or any e-Remit Transaction by the Bank, its affiliates and/or
any of its officials in the course of operating the e-Remit Facility, whether to
eNETS Banks and third parties in Singapore or otherwise, and the Customer consents
to such inadvertent disclosure provided that such inadvertent disclosure shall not
be due to the negligence, wilful default or fraud on the part of the Bank.
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13.7
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The Customer shall keep confidential and shall not, except under legal compulsion
or as providedunder these Terms and Conditions, disclose to any third party, or
use for the benefit of any third party, any information or record whatsoever relating
to the e-Remit Facility, Electronic Request, e- Remit Transaction and these Terms
and Conditions acquired during the period of the Customer having access to the e-Remit
Facility.
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13.8
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The provisions of this clause 13 shall continue and survive during the suspension
and after the termination of the e-Remit Facility.
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14.1
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The Customer shall accepThe Customer shall accept full responsibility, and the Bank
shall not be liable in any way,for any claims, liabilities, expenses, costs, loss
or damage of whatsoever nature brought against, suffered or incurred by the Customer
or any other person arising out of or in connection with the use of the e-Remit
Facility including but not limited to delay or loss arising from exchange or currency
issues, or any breakdown, disruption, defect, malfunction, disconnection of any
line or failure of any terminal, telephone or other communication system whether
belonging to the Bank, eNETS Banks, eNETS, NETS, the Customer, any internet service
provider, any telecommunication service provider or otherwise howsoever caused.
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14.2
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The Bank shall indemnify the Customer against direct losses suffered by the Customer
as a result of any fraud, dishonesty, negligence or wilful default relating to any
transaction by any servant , agent, employee or contractor of the Bank provided
that such indemnity shall not exceed the amount of the Bank’s fee and/or charge
in respect of that transaction.
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14.3
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The Bank shall be entitled to engage any agents or independent contractors as it
deemsfit to procure the carrying out of any of the matters contemplated by these
Terms and Conditions, and the Bank shall not be liable to the Customer for any act,
omission,neglect or wilful default on the part of such agent or independent contractor,
which is not due to any negligence, wilful default or fraud on the part of the Bank.
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15.1
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The Customer shall indemnify and keep the Bank indemnified in full at all times
against any and all claims, proceedings, liabilities, expenses, costs (including
legal costs), losses or damages of whatsoever nature arising out of or in connection
with the use of the e-Remit Facility, Electronic Request or e-Remit Transaction,
through the use of his/her USER ID and Password, regardless of whether such transactions
were in fact entered into, or authorized, by him/her, including without prejudice
to the generality of the foregoing:
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a.
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Any breach of these Terms and Conditions;
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b.
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Any statement, act omission, fraud, negligence or default whatsoever by the Customer
or any person duly authorised by him;
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c.
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Failure to promptly report any unauthorized access and/or fraudulent transactions
on your account;
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d.
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Failure to report loss or stolen User-ID and/or Password;
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e.
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Negligent handling, disclosure and/or sharing of User-ID and/or Password with third
parties;
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f.
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Input errors in online banking transactions;
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g.
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Any enforcement or attempted enforcement by the Bank, eNETS Banks, eNETS or NETS
of its rights or remedies against the Customer or any person duly authorised by
him;
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h.
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The Customer’s negligence or breach or non-observance of these Terms and Conditions
that enables another person, entity or computer programmes to access the Customer’s
e-Remit account; or
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i.
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Any law, regulation, order or directive, or any change thereof, whether issued by
any government, authority, eNETS or NETS which may have an effect on these Terms
and Conditions.
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15.2
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The Bank shall be free on behalf of the Customer to remit or procure the remittance
of funds by mail, telex, cable SWIFT or other means as it deems fit. The Bank shall
not be liable for any loss, liability, claim delay, error or omission which may
occur in the cable, wire telex, SWIFT or mail transmission of any e-Remit Transaction.
The Bank may send messages in explicit language, code or cipher. The Customer agrees
to fully indemnify the Bank against any loss, liability, claim, delay, error or
omission suffered or incurred by the Bank arising from the completion or inability
of the Bank in effecting the e-Remit Transaction for whatever reason not arising
from negligence, wilful default or fraud on the part of the Bank.
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16.1
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The Bank shall not be liable for any claim or dispute arising between the Customer
and any other party (including Affiliates) to an e-Remit Transaction.
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16.2
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In the event of a dispute between the Customer and such other party as mentioned
in clause 16.1, the Bank reserves the absolute right to debit the Customer’s
account held or maintained with the Bank, and to refund to any relevant third party
all or any monies paid in relation to the disputed transaction.
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17.1
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The Bank may from time to time, in its absolute discretion, amend, add to, delete
or vary any one or more of the terms of these Terms and Conditions without prior
notice; without prejudice to the aforesaid, the Bank will endeavour to provide notice
of such amendment, addition, deletion or variation where it is practicable to do
so via the Website. Such amendment, addition, deletion or variation shall take effect
on the date specified in such notice unless the e-Remit Facility is terminated prior
to such date.
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17.2
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Notwithstanding Clause 17.1, the Bank may from time to time by notice to the Customer
amend the terms of these Terms and Conditions to the extent that such amendment
is necessitated or required as a consequence of any direction, requirement or stipulation
of or by any laws or regulations or by any of the eNETS banks, eNETS or NETS, and
such amendment shall take effect on the date specified in such notice.
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17.3
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It is the Customer’s responsibility to ensure that periodically and/or on
every occasion that he/she accesses or uses the Website or any Facility, or other
product or service displayed or offered on the Website that he/she returns to this
page and review the Terms and Conditions for any alterations, additions or deletions.
By continuing to access or use the Website or any of the facilities, products or
services offered on the Website, the Customer will be deemed to have agreed to accept
and be bound by such altered, added to or deleted Terms and Conditions. If the Customer
does not agree to the alterations, additions or deletions, he/she should discontinue
accessing or using the Website or availing of any of the facilities, products or
services on the Website (other than those which have already been availed of by
him/her prior to such alterations, additions or deletions). If any of the Terms
and Conditions is not acceptable to the Customer or the customer disagrees with
any material on the Website, the Customer’s sole and exclusive remedy is to
discontinue using the Website.
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18.1
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The Customer agrees:
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a.
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to provide true, accurate, current and complete information about himself/herself
as required in the application or Registration Form, and
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b.
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To from time to time maintain and update this information to keep it true, accurate,
current and complete at all times.
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18.2
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The Customer is solely responsible for the correctness of information supplied to
the Bank through the use of the e-Remit Facility. The Bank accepts no liability
for the consequences arising out of erroneous information supplied by the Customer.
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19.1
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For the Customer's convenience, the e-Remit website may include hyperlinks to websites
on the Internet that are owned or operated by third parties. Such linked websites
are not under the control of the Bank and the Bank cannot accept responsibility
for the contents of or the consequences of accessing any linked website or any link
contained in a linked website. Furthermore, the hyperlinks provided in this website
shall not be considered or construed as an endorsement or verification of such linked
websites or the contents therein by the Bank. The Customer agrees that his/her access
to and/or use of such linked websites is entirely at his/her own risk and subject
to the terms and conditions of access and/or use contained therein.
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20.1
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These Terms and Conditions and/or the operations in the accounts of the Customer
maintained by the Bank and/or the use of the services provided through e-Remit Facility
shall be governed by the laws of the Republic of Singapore only. The Customer and
the Bank agree to submit to the exclusive jurisdiction of the courts in Singapore
under whose jurisdiction the Bank functions, concerning any claims or matters arising
under these Terms and Conditions.
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20.2
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The Bank accepts no liability whatsoever, direct or indirect, for non-compliance
with the laws of any country other than the Republic of Singapore. The mere fact
that the e-R Facility can be accessed through internet by a Customer in a country
other than Singapore shall not be interpreted to imply that the laws of the said
country govern the Bank and / or these Terms and Conditions and / or the operations
in the e-Remit accounts of the Customer and / or the use of e-Remit Facility.
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21.1
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The usage of this Website by the Customer is at Customer's sole risk and responsibility.The
information provided on this Website is provided on an "as is" and "as available"
basis.
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21.2
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Except for those imposed by law, the Bank hereby expressly and completely disclaim
all warranties of any kind whatsoever including but not limited to the implied warranties
of accuracy, completeness, and merchantability for a particular purpose and non-infringement
of intellectual policy.
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21.3
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The Bank does not warrant that the functions contained in the materials will be
uninterrupted or error free, that defects will be corrected, or that the Website
or the server that makes it available are free of viruses or other harmful components.
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21.4
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Unless otherwise stated, no advice or information obtained by the Customer from
the Website shall be deemed to create any warranty either expressly or impliedly
whatsoever.
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21.5
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The Bank shall not be liable for any failure of performance, system, server or connection
failure, error, omission, interruption, breach of security, computer virus, malicious
code, corruption, delay in operation or transmission, transmission error or unavailability
of access in connection with accessing the Website and/or using the online services
that are beyond its control.
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21.6
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The Bank shall not be liable to the Customer or any other party for any damages,
losses, expenses or costs whatsoever (including without limitation, any direct,
indirect, special,incidental or consequential damages, loss of profits or loss of
opportunity) arising in connection with the use of the Website, or reliance on any
information, materials or online services provided at the Website unless the same
is caused by the negligence of the Bank’s employees and/or agents and not
as a result of the Customer’s acts or omissions (directly or indirectly).
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21.7
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While the Bank shall endeavour that the Customer's instructions and transactions
pursuant to e-Remit Facility provided by the Bank are communicated, carried out
and/or performed promptly, the Bank does not guarantee that any instructions will
definitely be communicated or carried out or that any transactions will definitely
be performed; and the Bank shall not be responsible for any delay in communicating,
carrying out or performance of any instructions or transactions due to any reason
whatsoever, including by reason of failure of operational systems for reasons including
but not limited to virus attacks, natural calamity, natural disasters, legal restraints,
faults in the telecommunication network or network failure, software or hardware
error, or any other reason beyond the control of the Bank.
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21.8
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The Bank shall not be responsible for any inability to access the Website or any
use or misuse of the Website.
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21.9
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The Bank does not warrant the complete accuracy of all the information and content
available, whether provided by it or any other third parties, on the Website. Please
inform the Bank of any inaccuracies or errors so that it may be corrected.
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22.1
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The Bank shall not be liable for any dimunition in the value of funds or any loss
arising out of or in connection with taxes or depreciation or any restrictions on
its conversion, transfer, exercise of any governmental powers, act of God, war,
strike, riot, sabotage, or any other causes beyond the Bank’s control or any
event which makes it impossible or impracticable for the Bank to perform its obligations
herein.
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23.1
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The Contracts (Rights of Third Parties) Act (Cap. 53B) of Singapore shall not under
any circumstances apply to these Terms and Conditions and any person who is not
a party to these Terms and Conditions (whether or not such person shall be named,
referred to, or otherwise identified, or form part of a class of persons so named,
referred to or identified in these Terms and Conditions) shall have no right under
the said Contracts (rights of Third Parties) Act (Cap. 53B) to enforce these Terms
and Conditions.
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24.1
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The Bank may publish notices of general nature, which are applicable to all Customerson
the Web site. Such notices will have the same effect as a notice served individually
on each Customer.
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25.1
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The failure on the part of the Bank to exercise any rights as herein under in this
premises or otherwise, lawfully, contractually or legally, available to it, or to
exercise any option, right or remedy herein contained or otherwise, shall not be
construed as a waiver or as a relinquishment of such term, provision, option, right
or remedy, but the same shall continue and remain in full force and effect.
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25.2
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Further no single or partial exercise of any right, power, or remedy by the Bank
shall limit/exclude any other or further exercise thereof or the exercise of any
other right, power or remedy.
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26.1
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The Bank may sub-contract and employ agents to carry out any of its obligations
under this contract. The Bank may transfer or assign its rights and obligations
under this contract to any other company.
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26.2
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These Terms & Conditions, including the limitation of warranties, should be read
in conjunction with any other terms and conditions that may govern the Customer’s
account or agreement with the Bank.
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26.3
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The Customers are encouraged to verify/ make their own personal inquiries before
taking any action or making any final decision.
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27.1
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The Customer acknowledges that the software underlying the e-Remit service as well
as other internet related software which are required for accessing e-Remit is the
legal property of the Bank, service provider or Affiliates respectively. The permission
given by the Bank to access e-Remit will not convey any proprietary or ownership
rights in the above software to the Customer / user.
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27.2
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The Customer shall:
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27.2.1.
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not use the Website for any purpose that is unlawful in any jurisdiction or not
permitted by the Terms and Conditions;
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27.2.2.
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not modify, upload, copy, distribute, transmit, display, perform, publish, license,create
derivative works from, transfer or sell any information, designs, logos, trademarks,
software, Facilities, products or services obtained on or through the Website, except
as permitted by the copyright owner or other right holder thereof;
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27.2.3.
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not attempt to modify, translate, disassemble, recompile or reverse engineer the
software underlying e-Remit or create any derivative product based on the software
and Website;
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27.2.4.
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not attempt to hack into the Website or otherwise attempt to subvert any firewall
or other security measure of the Website and if the Customer becomes aware of any
shortcoming in the security on the Website the same shall forthwith i.e. informed
to the Bank in writing; or
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27.2.5.
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use any software provided on, by or through the Website only for the purposes for
which it has been provided and for no other purpose.
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The Customer SHOULD adopt the following recommended security practices while banking
online:
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- Keep the Password confidential at all times
- Always log off the online session
- Do not store the User-ID/Password when using internet browsers
- Do not disclose personal information to unsecured websites
- Use a computer/ device that can be trusted
- Ensure adequate security for wireless network and devices
- Clear the browser’s cache and history after each session
- Protect computer from viruses and malicious programs
- Protect critical data
- Disable the "File and Printer Sharing" feature on the Operating system
- Check account and transaction history details regularly
- Update the Bank when there is a change in contact particulars
- Request the Bank to suspend access to their e-Remit account should you suspect any
unusual activity on your account, compromise of your User-ID and/or Password, or
unauthorized access to the account.
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Let the Bank know immediately if there's a problem!
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