TERMS
AND CONDITIONS OF USE OF THIS MOBILE APPLICATION
1. General Terms & Conditions
These terms and conditions
(“Terms & Conditions”) govern the terms under which you may access and use the products of Quezon
Capital Rural Bank, Inc., which includes the Mobile
App and the services associated with it (together the “Service”). By accessing,
registering, or using the Service, you
agree to be bound by these Terms & Conditions.
Under these Terms &
Conditions, the words, “we”, “us”, “our” and “the Company” refer to Quezon Capital Rural Bank, Inc. together with its employees, directors, affiliates,
successors, and assigns. Quezon
Capital Rural Bank, Inc. is a [business description].
The words “you” and “your”
refer to users of the Service, as Senders, Account Holders, Recipients, and other users.
These Terms & Conditions
shall be effective, valid, and binding from the time that you agreed to it and will exist up to the time that
it is terminated by you or us, save for some
provisions which shall remain effective after termination as stated in
these Terms & Conditions, law, rule,
or regulation.
2. General Terms of Service
We are not obligated to
process any Transaction when you submit a Transaction Request, you are requesting that we process the
Transaction on your behalf and consenting to the execution of the Transaction. We may, in our
sole discretion, choose whether to accept
the offer to process that Transaction. If we decide not to process the
Transaction, we will notify you promptly
of that decision and return to you the Transaction Amount received by us or update the wallet balance, provided we
are not prohibited by law from doing so. If
we choose to proceed with the Transaction we may still suspend or cancel
it at our discretion.
Quezon Capital Rural Bank, Inc.
reserves the right to modify, suspend, stop, or terminate any of its Service without notice, at any time and from
time to time.
We may impose limits on the
Transaction Amount, subject to fifteen (15) days prior notice to the Account Holders. We may do so on a per
Transaction basis or on an
aggregate/combined (for Account Holders with duplicate and/or multiple
accounts) basis, or on a daily, weekly,
or monthly basis and in respect of each Service you request. In the same way, Quezon Capital Rural Bank,
Inc. may approve purchases, service transactions, or
other transactions which in the
aggregate cause the Account usage to exceed the limit without waiving any of our right hereunder.
Quezon Capital Rural Bank, Inc.
reserves the right to verify any activity that is done through the Services, especially if it involves
compliance with the AML or with other law, rules, or regulation. Delivery turnaround time as
stated in our service levels or elsewhere on our website or collaterals are representative of a “normal”
or average service and are not a guarantee of
an individual Service or transaction time.
We will attempt to process
Transactions promptly, but any Transaction may be delayed or cancelled for a number of reasons including
but not limited to: our efforts to verify your
identity; to validate your Transaction instructions; to contact you; or
due to variations in business hours and
currency availability; to comply with applicable law or for any other reason
not attributable to and outside of the control of the Company.
We may, in our absolute
discretion, refuse or cancel Transaction Requests, Payment Requests or any Transaction for these reasons
but without limitation to: (a) The Company is unable to verify your identity;
(b) The Company is unable to verify the identity of the Recipient; (c) You do not comply with
information requests about the transaction; (d) The Company reasonably believes you are using the
Service, or allowing it to be used, in
breach of these Terms & Conditions or any applicable laws, rules or
regulations; or (e) as the Company deems
necessary following business considerations.
If we have executed the
Transaction in accordance with the instructions you have provided to us, and that information proves to have
been incorrect, we are not liable for the incorrect execution of the Transaction. We will,
however, make reasonable efforts to correct
erroneous requests or to recover the funds. We may charge you a
reasonable fee, reflective of our
efforts, to do so. Unless there are exceptional circumstances, no adjustment will be made for any currency
fluctuations, losses, or gains which may have
occurred between the time you pay us the Transaction Amount and the time
of credit.
Quezon Capital Rural Bank, Inc.
shall have the right to automatically suspend or block the transaction if the Company has reason to believe that the
transaction may be illegal or used for
fraudulent or suspicious businesses or by an unauthorized person. Quezon
Capital Rural Bank, Inc. may, but shall not have the
requirement to, inform you prior to suspending or blocking the transaction pursuant to this clause. You
acknowledge the authority of Quezon Capital Rural Bank, Inc. to suspend, cancel, revoke, terminate or block the
transaction and accordingly, you shall
hold the Company free and harmless against all consequences of such
suspension, cancellation, revocation,
termination or blocking, or any loss or damage which you may suffer as a result thereof. Fees and other
charges shall be in accordance with the Table of Fees and Charges applicable to
the Service and provided in our website [provide website] which may be subject to changes upon discretion of the
Company and/or in accordance with the law,
rules, and regulations. Any refunds will be credited back to the same
account used to fund the Transaction and
in the same currency. To comply with our business requirements or those
under relevant laws, we reserve the
right to ask for further information or evidence relating to the purpose
of a Transaction. Account Holder authorizes the Company, its employees, agents,
representatives, dealers, and
distributors to disclose to third parties, our service provider for this
Service, subsidiaries and affiliates all information the Account Holder has
provided and consented to the use and processing of such information by the
Company, its employees, agents, representatives, dealers, distributors, third
parties, our service provider for this Service, subsidiaries and affiliates
with the transaction or any investigation in relation thereto.
User Representation and Warranties
By visiting, accessing and/or
using the Services, you signify your agreement to these Terms and Conditions and you further agree,
affirm, and warrant that there is and there
shall be no agency, partnership, joint venture, employer-employee,
licensor-licensee or franchisor-franchisee
relationship between us and you.
You must be at least 18 years
of age, or that you possess legal parental or guardian consent (for ages 12-17), and that you are
fully able and competent to legally bind yourself to and abide by all the terms, conditions,
requirements, declarations, affirmations,
representations, and warranties set forth in these Terms and Conditions.
By visiting, accessing and/or
using the Services, you declare, represent and warrant that you understand that when using it, you will
be exposed to content, material or information
from a variety of sources, and that Quezon Capital Rural Bank,
Inc. is not responsible for the accuracy, usefulness, safety, completeness, correctness
or intellectual property rights of or relating
to such content, material or information, user generated, submitted or
otherwise, including those content,
material or information that may be linked to it.
You further understand and
acknowledge that the Company may have or may develop and implement additional features, employ
promotions, campaigns, marketing activities and tie-ups with other entities. By
virtue of such, you may be exposed to content that may infringe on your intellectual property rights
or that of your principal; or content that may be violative of your privacy, and/or publicity
rights; or content that is knowingly false and/or defamatory, inaccurate, abusive, vulgar,
hateful, harassing, obscene, indecent,
pornographic, profane, threatening, racist, gruesome, objectionable,
offensive to public morals, invasive of
another’s privacy, or otherwise violative of any rule, regulation, or law; or content that contains any viruses, Trojan
horses, worms, time bombs, bots, any
malware, or any computer program, code, or routine that may or is
intended to damage, detrimentally
interfere with, surreptitiously intercept or expropriate any system, data
or personal information and that these
you undertake at your own risk, and you hereby agree that Quezon Capital Rural Bank, Inc. shall not be responsible, liable, or accountable for any
of the foregoing. You also agree to
indemnify and hold Quezon Capital Rural Bank, Inc. harmless to the fullest
extent allowed by law regarding all matters related to or arising out of
your visit, access, or use of the Services.
By visiting, accessing and/or
using the Services, you declare, undertake, and affirm that you take sole responsibility for whatever
consequences that may arise out of your visit,
access and/or use of the Services. You understand that the Company shall
not be liable for, and you hereby hold
us free from, any direct, incidental, special, consequential, indirect, or punitive damages whatsoever
resulting from your visit, access, or use of, or your inability to visit, access or use, the
Services. On the other hand, you declare,
undertake, and affirm that you shall indemnify Quezon Capital
Rural Bank, Inc. for any direct, incidental, special, consequential, indirect, or punitive
damages whatsoever resulting from your visit,
access, or use of the Services. You further agree, undertake, and commit
to indemnify the Company for any breach
of its proprietary and other rights, including breach of these Terms and
Conditions, which you may commit during or arising out of your visit, access,
or use of the Services.
You further declare,
represent, and warrant that you are aware that any content, material, or
information presented to you as part of the Services, including but not limited
to advertisements and sponsored content,
material or information within the Services may
be protected by intellectual property rights which are owned by the
respective sponsors, advertisers, or
other persons or companies on their behalf. You agree that such advertisements and sponsored content,
material or information may be placed on the
Services and/or coupled to your User Content without prior notice and
without need of explicit consent from
you anymore as you now give such consent. You hereby declare, acknowledge, and affirm personal and sole
commitment and requirement to respect, uphold
and honor any intellectual property rights which may cover such any
content, material or information
presented to you as part of the Services, including but not limited to advertisements and sponsored content,
material, or information within the Services.
You declare that any material,
information, and content that you create and supply to us are clear of any proprietary and legal claim.
You also acknowledge that any material,
information, or content which you create, upload, transmit, or display
while using the Services may become
publicly available, whether intended by you or
by us for such material, information, or
content to be made publicly available. You further acknowledge, affirm, and take sole responsibility for any
consequences arising out of the use,
authorized, lawful or otherwise, of any material, information, or
content which you create, upload,
transmit or display using the Services. By visiting, accessing and/or using
the Services, you hereby declare,
acknowledge, and affirm to hold Quezon Capital Rural Bank, Inc. free from any
liability by law or by equity arising therefrom, including the unauthorized
or unlawful use thereof by a third
party, regardless of negligence, lack of foresight, or lack of skill on the part of us, our third party, our
service provider of this Service, our subsidiaries and affiliates which may be directly or
indirectly contributory to such unauthorized or
unlawful use.
You also acknowledge that you
are free to opt out of the Services by voluntarily desisting from further use of the Services or by
serving a notice of termination of use to us and closing your account. Closure of an account
with the Services does not nullify, void,
cancel, or otherwise adversely affect any and/or all of the legal
requirements and liabilities you may
have incurred or may still incur relative to your visit, access and use of
the Services, as such termination of use
of the Services and/or closure of an account with the Services does not nullify, void, cancel, or
otherwise adversely affect any and/or all of the rights which may have accrued in favor of the
Company including the rights, consents,
permissions and licenses to use any and/or all User Content that you
have created, uploaded, transmitted, or
displayed using the Services.
Acceptable Use Policy
The Services
You agree not to incorporate
any word in your name, message identification, or custom user title that is defamatory, obscene, or
profane, or which violates any trademark, service mark, or other intellectual property rights
of any third party, including that of the Company. You likewise agree not to
use any trademark, trade name, service mark, or logo in a way that is likely or intended to cause confusion
about the owner or authorized user of such
marks, names, or logo. You agree not to alter, modify, or cause the
alteration or modification of the
Services, without prior written consent
from us. You further agree not to use the Services for any commercial use, without prior written
authority from the Company.
You agree not to use any
“deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or
any similar or equivalent manual process,
to access, acquire, copy or monitor any part of the Services, or in any
way reproduce, reverse engineer, decode,
decompile, disassemble or circumvent its navigational structure or presentation, as well as to
obtain or attempt to obtain, reproduce, copy,
distribute, market, disclose, transfer any material, document or
information through any means not
purposely made available through the Services.
You agree not to gain or
attempt to gain unauthorized access to any part or feature of the Services or to any other system or network
connected to the Services. You also agree not
to gather, harvest, or otherwise collect information about others using
the Services without their explicit
informed consent; nor restrict, prevent or prohibit any other party from
using the Services, including but not
limited to such actions which may tend to discourage others from using the Services, such as stalking,
flaming or the lashing out at other parties,
spamming or the sending of unsolicited information, advertisement or
content, flooding or the sending of
repetitive message, trolling or the use of insulting or deliberately
divisive information, material or
content, other forms of annoyances, and the like.
You agree not to circumvent,
disable, reverse engineer, decode, decompile, disassemble, or otherwise
interfere with security-related features of the Services, including those
that prevent or restrict use or copying of
any content, material, or information available on or through the Services, as well as those that
enforce limitations on the use of the Services.
You agree not to probe, scan,
or test the vulnerability of the Services or any network connected to it, and not to breach the
security or authentication measures on the same. You agree not to reverse look-up, trace or
seek to trace any information on any user of or
visitor to the Services, or any other customer of the Company including
any account maintained with the Services
not owned by you, to its source, or exploit the Services or any information made available or offered by
or through the Services, in any way where
the purpose is to reveal any information, including but not limited to
personal identification, other than your
own information.
You agree to use or access the
Services for your information and corporate or personal use solely as intended through the provided
functionality of the Services. You agree not
to copy or download any material or content from or through the Services
unless such copying or downloading is
explicitly allowed by a visible manifestation thereof such as a “download” button or a similar link ostensibly
displayed. You further agree not to engage
or attempt to engage in the use, copying, transmission, disclose,
broadcast, display, distribution, or
sale of any of the contents, material, or information available on or
through the Services, including user
comments and the like, other than as expressly permitted herein, or as explicitly indicated in the
Services, including use thereof for commercial
purposes.
You agree that you will not
take any action that imposes an unreasonable or
disproportionately large load on the infrastructure of the Services or
its systems or networks, or any systems
or networks connected to the Services.
You agree not to use any
device or routine to interfere or attempt to interfere with the proper working of the Services or any
transaction being conducted using the Services, or with any other person’s use of the Services.
You agree that you will not engage in any
activity that interferes with or disrupts the Services or the servers
and networks which are connected to the
Services.
You agree not to use the
Services for any purpose that is illegal, unlawful, or prohibited by these Terms, or to solicit the performance
of any illegal activity or other activity which
infringes on the rights of Quezon Capital Rural Bank, Inc. or others. You further agree not to modify, rent, lease, loan, sell, distribute, or
create derivative works based on any content, material, or information, either
in whole or in part, available on or through the Services, unless you have been specifically permitted to do so by
us or by the owner of that content, material,
or information in a separate
agreement.
You agree to
keep your Account data—including your User ID, password, OTP, biometric
authentication methods, and Account number(s)—confidential and secure at all
times. This information should only be known to you, and you should not share
it with anyone else.
To ensure
the security of your information, you are required to set your passwords/ PIN
aligned with the bank’s policy. As a safety measure, You agree and undertake to
change your password from time to time or as frequently as you deem necessary.
If You believe that your mobile phone or password may have been lost/stolen or
that someone has used it without your permission, You shall notify the Bank
immediately and give it a reasonable period of time to deactivate your
compromised User ID and password. The Bank is not responsible for any losses,
damages or costs which may occur if your User ID and password are not
deactivated resulting from your failure to notify us immediately regarding
these circumstances.
You agree that
when changing your password, you must choose a password that is not readily
accessible to third parties. Do not let anyone else have access to your mobile
phone or leave it unattended while accessing QCRB Mobile Banking.
You will be held
accountable for all transactions made using your mobile phone, password, OTP,
and/or other credentials, regardless of whether you entered into or authorized
such transactions. Transactions initiated using your mobile phone number,
whether initiated by you or not, are presumed to have been initiated by you,
and you will be held liable for any loss or damage caused. If you suspect your
account or security credentials have been compromised, please contact us
immediately via any of our digital channels in [Branded Wallet Name] or the
contact information provided below.
You agree that
the 6-digit OTP is an additional security feature that asks you to enter a
unique password for online transactions and assists the Bank in verifying your
identity. You should ensure not to disclose their passwords or OTPs to anyone
or keep any written or other record of them that a third party could access. To
prevent unauthorized access to personal and confidential information in
contacts, messages, and other media files, you should enable a device lock
password on your mobile phone.
If You become a
victim of fraud or identity theft, please contact the Bank so that it may place
holds on your account. You agree that, for your protection, the Bank has the
right to suspend or block an account or transaction should we have a reason to
believe that the transaction or account is illegal or being used for fraudulent
or suspicious business. You acknowledge our authority to suspend or block any
transaction and/or account, and accordingly, You shall hold us free and
harmless against any loss or damage that you may suffer as a result thereof.
User Content
You agree to and hereby
undertake the sole responsibility and hold us free of liability to you or to any third party, for any User
Content that you create, upload, transmit, or display while using the Services. You agree and
hereby undertake sole responsibility for the
consequences of your actions and interactions using the Services, and
hereby stipulate admission of liability
to the Company for whatever loss or damage that we may suffer because of your use or misuse of the
Services.
You agree not to share,
create, upload, transmit or display using the Services any material, information, or User Content which is or may
be covered by copyright, patent, trade secret,
trademark, trade name, service mark or any property rights, including
privacy and/or publicity rights, unless
you have the necessary licenses, rights, consents, and permissions to use and to authorize us to use any and/or
all User Content that you create, upload,
transmit, or display using the Services.
You agree not to use
fictitious names and concealing true names for the purpose of
concealing crime, evading the execution of a judgment, or causing
damage.
You agree not to share,
create, upload, transmit or display using the Services any material, information, or User Content which: infringes
on the intellectual property, privacy, and/or
publicity rights of any third party; is knowingly false and/or
defamatory, inaccurate, abusive, vulgar,
hateful, harassing, obscene, indecent, pornographic, profane, threatening, racist, gruesome, offensive to
public morals, invasive of another’s privacy, or otherwise violative of any rule, regulation,
or law; contains any viruses, Trojan horses,
worms, time bombs, bots, any malware, or any computer program, code, or
routine that may or is intended to
damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal
information; and/or that which promotes or abets piracy. You further agree not to engage in
pyramid, ponzi or similar schemes or other
damaging schemes in the future; not to start or forward chain letters;
and not to conduct or aid in the conduct
of surveys, contests, petitions, and the like, using the Services, unless the Services has been specifically designed
and explicitly made available for such
purpose.You represent, warrant and affirm that you own or that you have
the necessary licenses, rights,
consents, and permissions to use and to authorize us to use, reproduce,
adapt, modify, translate, publish,
publicly perform, publicly display, distribute, or transmit over public networks and in various media any
and/or all User Content that you create, upload, transmit, or display using the Services, as
you hereby authorize and grant us perpetual,
irrevocable, worldwide, royalty-free and non-exclusive right, license,
consent and permission to use,
reproduce, adapt, modify, translate, publish, publicly perform, publicly display, distribute, or transmit over public
networks and in various media any and/or all
User Content which you may create, upload, transmit, or display using
the Services, in a manner we may deem
fit and necessary, including but not limited to making such User Content available to a third party in
compliance with a requirement of law, a rule or
regulation, or making such User Content available to any third party for
its use, reproduction, adaptation,
modification, translation, publication, public performance, public display, distribution or transmission. You
likewise hereby irrevocably agree, affirm, and
warrant to hold the Company free from any liability, both under equity
and the law, arising or that may arise out
of its use of your User Content or the use of your User Content by a third party to which we made available your
User Content.
Unless otherwise agreed in
writing with us you hereby agree to and acknowledge sole responsibility for protecting and enforcing
any proprietary rights you or your principal may have on any User Content made available
through the Services. You further acknowledge,
agree, and admit that the Company is not responsible for the actions of
other users or any third party and
hereby free Quezon Capital Rural Bank, Inc.
and waive in its favor any or whatever right
or claim you or your principal may have against us relative to any User
Content which you or a third party may
create, upload, transmit or display using the Services.
You agree to store your
password on the device and our servers in an encrypted form. This form of encryption disguises your
password on the server, but still allows us to
authenticate you when you sign into the Services.
You agree that by supplying
your personal information for the purpose of availing yourself of the Service, you expressly consent to the
processing of your supplied personal
information for the purpose of but not limited to creating and
maintaining your account. Such consent
includes authorization for us to disclose, exchange, distribute and
release the said information to our
associates, affiliates, subsidiaries, officers, employees, agents, lawyers and other consultants,
pre-paid/debit/credit bureaus, third-parties, our service provider for this Service or any such persons
as we deem necessary, or as required by
law, rule, or regulation.
Third-Party
Content & Services
The Services contains content
provided by third party services and resources. You acknowledge and agree that we are not
responsible or liable for: the availability or
accuracy, appropriateness, completeness, correctness, or
non-infringement of such Third Party Services; or the content, products, or
services available on or through such Third Party Services. The availability of
such Third-Party services does not imply any
endorsement by us of such Third-Party services or the content, products,
or services available therefrom.
You may not remove, alter, or
obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or
accompanying the application and the services
or in any Third-Party Services.
The Company makes no
representation or warranties whatsoever about any service, content and / or any other resources provided
by the Third Party.
Reserved Rights
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to deny access to and / or
discontinue the Services or any component thereof to anyone at any time, temporarily or
permanently, without giving any reason and/or prior notice to you. You hereby irrevocably agree,
affirm, and warrant to hold us free from any
liability, both under equity and the law, arising or that may arise out
of any such denial of access to or the
discontinuance of the Services.
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to collect, screen, review,
flag, filter, modify, block, refuse or remove any and/or all information provided by any user,
explicitly or implicitly to and through the
Services, including but not limited to hardware information, IP address,
browser-type related information,
cookies, and the like. You hereby irrevocably agree, affirm, and warrant to hold us free from any liability,
both under equity and the law, arising or that may arise out of any such collection, screening,
review, flagging, filtering, modification,
blocking, refusal, or removal of any and/or all information provided by
any user to and through the Services.
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to enhance, improve, develop,
and introduce new features and functionalities as well restructure, revise,
change, remove, delete, replace existing and current features and functionalities to the Services at any
time and without prior notice. You hereby
understand, agree, and affirm that any such enhancement, improvement,
development of new feature and/or new functionality and restructure, revision, changes,
removal, deletion, and replacement of
existing and current features and functionalities of the Services shall form part of the Services as defined herein
and thus shall likewise be covered by these
Terms and its subsequent revisions or amendments, as applicable.
You understand and agree that
we reserve the right, at our sole discretion, to verify, check, cross-refer, validate, and ascertain the
veracity and truthfulness of all information supplied by you by acquiring, accessing, retrieving,
or otherwise acquiring similar or additional
information supplied by you to other third-party service providers,
including, but not limited to
telecommunications providers, etc. You hereby expressly, unequivocally, and voluntarily allow us to request for and
secure such information, and expressly,
unequivocally, and voluntarily instruct such third-party providers to:
(a) receive and process our request; (b)
favorably always act on any such request by producing the information requested; and (c) when requested
by us provide the latter with certified digital
or printed copies of the said information.
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to send you or cause to send you
service updates and/or messages,
including SMS, notifications, email and/or any data message
transmission, informing you of
enhancements, improvements, developments, features, functionalities, products, promotions,
offers, advertisement and/or any other information relative to the
Services and the Company. We make no
warranty of any kind, express or implied, for such service updates and/or messages, but you hereby agree
to receive such service updates and/or
messages and hold us free from any liability and/or claims for
indemnification or damages that may
arise therefrom.
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to set limitations to and charge
fees, penalties, and applicable taxes for the
use of the Services, at any time and without prior notice. You further
understand and agree that we reserve the
right, at our sole discretion and under no requirement, to change the applicable fees, taxes and charges levied for
the use of the Services, at any time and with
prior written notice to you sixty (60) days prior to effective date of
change in fees / charges /penalties /
taxes.
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to change, modify or amend these
Terms and Conditions without prior notice.
You hereby understand, agree, and affirm that it shall be your sole
responsibility to be aware of any such
change, modification or amendment, which shall take effect immediately upon publication the same way as
this original Terms and Conditions has
been published, or upon its availability through the Services and which
shall bind you as soon as you visit, use
or access the Services regardless of whether or not you are already aware of such change, modification or
amendment.
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to enforce the provisions of
these Terms and Conditions. Non-enforcement
of any of the rights of the Company under these Terms and Conditions,
under the law or under principles of
equity shall not be construed as a waiver thereof. Likewise, no subsequent course of action by us, by you,
and/or by any third party, individually or
collectively, shall not operate and shall not be construed to operate as
abandonment, amendment, or modification
of these Terms and Conditions. You likewise hereby declare, affirm, and undertake the sole requirement to
indemnify us or any third party for any
damage we or said third party may sustain because of your use of the
Services.
You understand and agree that
we reserve the right, at our sole discretion but without requirement, to limit the provision,
availability, quantity, and quality of any feature, product, or service to any
person or to anyone within the same geographic area, demographic profile, or any other market, commercial,
and/or trading segments. You likewise
understand and agree that we reserve the right, at our sole discretion
but without requirement, to administer
and operate any and/or all of the Services from any or various locations outside the Republic of the
Philippines. You further understand, agree, and hold us free from any liability arising therefrom,
that not all features, products, or services
discussed, referenced, provided, or offered through or in the Services
are available to all persons or in all
geographic locations, or are appropriate or available for use outside the Republic of the Philippines. Any part or the
whole of the Services or these Terms and
Conditions are void where prohibited. You hereby understand, agree, and
undertake sole responsibility for your
continued access to or use of the Services, as well as the results or consequences of such access and use,
including the responsibility for compliance with
applicable local laws and the
sole liability for non-compliance or breach thereof.
User Requirements
You agree to abide by the
requirements stated under this paragraph.
You will pay all requirements,
fees, charges, penalties, taxes, and overdraft that may be imposed depending on the Service that you
availed. The Company has the right to deduct
from your QCRB Mobile Banking wallet
account all monies that may be due and demandable
by us. In the event that the amount of the Account Holder’s transactions exceeds the available balance in his/her QCRB
Mobile Banking wallet account (“Overdraft”) and the transaction was
allowed or consummated for any reason, The
Company has the right to debit the Overdraft from the QCRB Mobile
Banking account
of the Account Holder by way of compensation. If the amount in the QCRB
Mobile Banking account is insufficient to pay for
some or all of the Overdraft, we have a right to collect the Overdraft from other accounts of
the Account Holder with us or ask the Account
Holder to top-up his/her QCRB Mobile Banking wallet account to pay for the Overdraft. Non-payment of the Overdraft after notice has
been made shall allow us to either suspend
or close the Account.
You will not use any device,
software, or routine to interfere or attempt to interfere with the proper working of the Service or any
Instruction being conducted through the Service.
You undertake to provide us
with: (a) true, accurate, correct, current and complete evidence of your identity, and promptly
update your personal information if and when it
changes; (b) provide us with any identity documentations as may be
requested by us; (c) provide us with
details of one or more Payment Instruments; (d) provide us with true, accurate, correct, current and complete
information as we indicate on the website is
required to receive the Service and any other information which may be
required in relation to the Transaction;
and (e) any other information that must be provided for the Service to be properly executed, as specified when you
enter the details of the Service you are
interested.
Once you confirm the
Transaction or ask us to proceed with the Transaction, you cannot cancel nor reverse such transaction.
Loyalty Program
Quezon Capital Rural Bank, Inc.,
at its sole option, shall run a Loyalty Program on the use of the Service. Your right and requirement in the Loyalty
Program shall be covered by the Terms and
Conditions specific to the Loyalty Program which can be found in our
website at [URL address for the Terms
and Conditions of the Loyalty Program].
Fees, Rates and Other Charges
You agree to pay fees, rates,
other charges, penalties, and applicable taxes, related to the Service and its use, as may be imposed by
us.
All Fees are quoted in
Philippine Peso unless otherwise stated and are non-refundable.
Fees, rates, penalties, and
other charges, as may be applicable, shall be inclusive of all applicable Philippine taxes and shall be
debited from the Account Holder’s QCRB Mobile Banking wallet account or paid upfront.
Should these fees, rates,
penalties, and other charges result in a debit balance in the Account Holder’s QCRB Mobile Banking wallet account, the amount shall be due and demandable from the Account Holder and/or
debited from the QCRB Mobile Banking wallet
account upon the availability or replenishment of funds thereof without prior
notice.
The amount of fees, rates,
penalties, and charges may be revised from time to time as we may deem
necessary.
Standard carrier fees may be
charged by Account Holder’s telecommunications service provider against Account Holder’s prepaid
phone balance or postpaid phone account
when using the QCRB Mobile Banking
wallet account for various transactions, such as but not limited to balance inquiry,
‘remote/off-site’ purchases, etc.
Dormancy
An account is considered
dormant when it does not have any user-initiated financial transaction for a
period of one (1) year from date of last transaction, despite reminder
from us or if the QCRB Mobile
Banking wallet account remains inactive and/or not loaded over a fixed period of time as may be
required by us or when the QCRB Mobile Banking wallet
account is not renewed or terminated for any reason and the Account Holder
does not claim the money in the Account,
for the same period of time.
We reserve the right to charge
a dormancy fee one (1) year after the last user-initiated financial transaction in accordance with the
Table of Fees and Charges.
In case of dormancy, the
Account may be zeroed out as a result of fees charged. In this case, we shall have the discretion to close
or purge the account in accordance with the
applicable laws, rules, and regulations.
SMS – Short Message Services and Phone
Messaging App
An Account Holder agrees and
authorizes the Company to send promotional
advertisements of its and of its partners’ products and services through
mail, short messaging service,
multimedia messaging services, electronic mail, and other forms of telecommunication, unless it has opted out or
notified us otherwise.
We may send notifications in
relation to Transactions by SMS. We will provide you with information after receipt of a Transaction
Request enabling you to identify the Transaction, along with details of the amount of the
Transaction in the currency used in the Transaction Request, our Service Fee, the date and if
applicable exchange rate on which the
Transaction Request was received.
The details in the Messenger
notification/SMS/Text confirmation message after every transaction and/or the entries in the
Statement of Transactions, for QCRB Mobile Banking wallet account, are presumed true and correct unless you
notify us in writing of any dispute
thereon within fifteen (15) days from the date of transaction. If no dispute
is reported within the said period, all
transactions and the entries are deemed true and correct. Disputed transactions
shall only be credited back once the claim/dispute has been properly processed, investigated, and proven
to be in favor of the Account Holder. The
Account Holder shall pay a corresponding processing fee for each sales
slip retrieved upon the request of the
Account Holder or by us arising from an invalid dispute.
An Account Holder shall abide
and be bound by the instructions and/or procedures of the Company during the use of SMS and/or
Messages. The Account Holder shall have no
claim, recourse, or remedy against the Company for any loss, damage and
expense incurred arising from
non-compliance with such instructions and/or procedures.
Quezon Capital Rural Bank, Inc.
is entitled to effect any changes to SMS and/or Messages, suspend and/or terminate SMS and/or Messages and to
vary SMS and/or Messages at any time
upon its sole and absolute discretion without assigning any reason and
without prejudice to any of its rights
of action for any antecedent breach of these terms and conditions by an Account Holder.
An Account Holder may request to
terminate the use of SMS Alerts by giving us seven (7) days written notice by e-mail [customer
touchpoint e-mail address].
An Account Holder hereby
irrevocably agree to hold free and harmless Quezon Capital Rural Bank,
Inc. and indemnify the Company against all actions,
claims, demands, liabilities, losses,
damages, costs, and expenses of whatever nature as a result of agreeing
to this section. We shall in no way be
liable to Account Holder for any action/s it takes in reliance on SMS Alerts purporting to be from us but does not
proceed from our official SMS Alert number.
3. [Branded-wallet name] Wallet Account
The QCRB Mobile Banking wallet account is a reloadable electronic wallet that
stores Philippine Peso (Php), redeemable
only at face value. The value loaded into the
QCRB Mobile Banking wallet account may
be used to purchase goods and services via
POS, Online, or Mobile for a Merchant honoring Payment Scheme/s. It
shall not earn interest nor monetary
rewards and other similar incentives convertible to cash, nor shall any monetary amount be purchased at a
discount. It is not a depository account, hence, is not covered by the Philippine Deposit
Insurance Corporation (PDIC). It shall be treated as a personal account of the Account Holder
and shall not be used to engage in the
business of remittance or for any other business purposes, except upon
execution of a written agreement with us
allowing such. It is subject to the rules and regulations of the Bangko Sentral ng Pilipinas (BSP), the
Anti-Money Laundering Act (AMLA) and the Data
Privacy Act.
Cash-In
Account Holders may use
his/her QCRB Mobile Banking wallet account by
adding or loading funds to their
accounts through the QCRB Mobile Banking
Application, Web Portal, or Platform, or
accessed through an accredited Third-Party platform or channel (i.e third-party cash agents or merchants).
The Company reserves the right
to impose a minimum and/or maximum amount per load, per account, depending on business needs and
applicable law, rules, and regulations.
The applicable charges and
fees shall be automatically deducted from the balance in the account. The reference number in the SMS/Text
message/ Message and in-app confirmation shall be the Account Holder’s proof of
successful cash-in transaction.
Remote / Off-Site Purchases
Payments for goods and
services performed ‘off-site’, such as but not limited to access through the Mobile Phone, Phone Messaging
App, landline telephone, and internet, where
Account Holder is not physically present in the Merchant’s premises when
making a purchase, will not require the
Account Holder’s signature in the Merchant’s transaction slip. The act of transferring to the
Merchant’s assigned QCRB Mobile Banking
wallet account and the keying in of the
password for the purposes of authorizing a transfer, or unlocking for internet transactions, shall be
sufficient evidence that the payment made has
been authorized, validated, and cannot be disputed by the Account
Holder. Through the Merchant
transaction, you also agree to bind yourself to the Merchant’s terms of sale
such as but not limited to on how you
will receive the goods and/or services that you purchased. Once the payment transaction has been
authorized and consummated, QCRB Mobile Banking shall
not be held liable for any undelivered goods or non-performance of services,
defects, damages, and after-sales
services of such goods and/or services, and/or any other dispute between the
biller and the Account Holder arising from such payment. As such, you are fully
accountable for payment transactions that may deal with Merchants that may have
a limited refund policy for invalid disputes. An invalid dispute refers to all
disputes except if the dispute is about
goods and/or services purchased online that are no longer available.
Disputes of Unauthorized Transactions
Transactions are authorized
when either one or all of the following conditions are met: a) the password or MPIN is successfully keyed-in
for e-commerce, electronic and/or cellular
phone-based transactions; b) SMS is sent from the Account Holder’s
Mobile Phone; c) when the Account Holder
has successfully unlocked his/her QCRB Mobile Banking
wallet account for internet
transactions; or d) once a user is authenticated and logged-in to the QCRB Mobile Banking App, Web Portal, or Platform, or accessed through an accredited Third Party platform or channel.
This shall be sufficient evidence that all activity has been made and validated and cannot be
disputed by the Account Holder.
Statement of Transaction
The Account Holder at any time
may view his/her statement of transactions by logging-in to the QCRB Mobile Banking wallet account. The mere act of Quezon Capital
Rural Bank, Inc., making the Statement of Transactions viewable at any
time via QCRB Mobile Banking App, Web Portal, or Platform, or accessed through an
accredited Third-Party platform or channel is
a conclusive presumption that the Account Holder has received the same.
We shall be held free and harmless from
all liability should the Statement of Transactions be read by a person other than the Account Holder.
Neither may Account Holder thereafter raise the
defense that he/she failed to receive the Statement of Transactions. In
all instances, the Account Holder may
inquire about the Statement of Transactions by contacting our customer Hotline. Statement of Transactions
as viewed in the QCRB Mobile Banking
App, Web Portal, or Platform,
or accessed through an accredited Third-Party platform or channel shall be a
conclusive account of Account Holder’s transaction. Any dispute shall be handled in accordance with the specific
clause for such provided herein. See Section
6.
Change of Personal Information
The Account Holder shall
immediately notify our Hotline via telephone or a written notice of any change in his/her residence, office or
mailing address and/or telephone number/s,
which shall be subject to verification by us through presentation of
proper documents such as, but not
limited to true copies of certification from the Philippine Statistics Office
(PSA), marriage certificate, or court
order, as proof or evidence of such change. The request shall be considered valid and final upon
authentication of the user, based on our
verification process. Verification
process may be through a Hotline security verification process or verification via the QCRB Mobile Banking
wallet in-app messaging facility.
Expiry, Renewal, Reinstatement,
Cancellation of Account
The Account Holder will not be
able to use the QCRB Mobile Banking wallet
account after the expiry date indicated
thereon. Renewal of the QCRB Mobile Banking
wallet account shall be subject to our
approval. QCRB Mobile Banking wallet account
which has been suspended by us may be reinstated
by us at our option.
Should the Account Holder: (a)
fail to comply with the Terms & Conditions provided herein or for any reason fail to renew the QCRB
Mobile Banking wallet account; (b) the QCRB Mobile Banking wallet account is not renewed by us; (c) the account
contains suspicious/fraudulent activity;
or (d) Account Holder dies or becomes insolvent, however evidenced, the right to use the QCRB
Mobile Banking wallet account shall be
terminated without prior notice.
We, at our exclusive option
and without giving any reason and/or prior notice to the Account Holder may block, suspend, cancel,
withdraw, revoke or terminate the Account and/or its privileges at any time for
whatever reason, including but not limited to Account Holder’s default,
non-payment, financial incapacity, change in personal and/or economic circumstance, change in residency status or
country or territory of stay, failure to provide additional documents requested by us,
misrepresentation and fraud.
In all instances, the Account
Holder’s continued use upon suspension, termination or expiration shall be considered a fraudulent
act and will be a ground for criminal action.
In all instances, any
aggregate and unpaid charges, fees, rates, penalties, taxes, and other expenses for which the Account Holder is
liable shall immediately become due without
need of demand and may be immediately debited without prior notice from
any remaining funds, money, assets of
the aforementioned Account Holder.
In the event of any suspension
or termination of the Service, the Account Holder agrees to hold the Company free and harmless from
any claim, damages, loss, expense, suit, or
liability whatsoever, arising from such suspension, cancellation,
termination, withdrawal, or revocation.
4. Exclusion from Liability
Quezon Capital Rural Bank, Inc.,
its employees, agents, representatives, dealers, distributors, third parties, our service provider for this
Service, subsidiaries and affiliates makes no warranty, express or implied, regarding the performance
or functionalities of the Service offered hereunder.
The Service is offered on an
“as is”, “as available” basis without warranties of any kind, other than warranties that are incapable of
exclusion, waiver, or limitation under the laws
applicable to these Terms & Conditions. Without limiting the
generality of the foregoing, the
Company, its employees, agents, representatives, dealers, distributors, third
parties, our service provider for this
Service, subsidiaries and affiliates make no warranty (1) as to the content, quality, security, correctness,
or accuracy of data or information provided by
us hereunder or received or transmitted using the Service
functionalities; (2) as to any service
or product obtained using the Service functionalities; (3) that the Service
will be uninterrupted or error-free; or
(4) that any particular result or information will be obtained.
Quezon Capital Rural Bank, Inc.,
its employees, agents, representatives, dealers, distributors, third parties, our service provider for this
Service, subsidiaries and affiliates shall not be liable for any loss, costs, compensation, damage, or
liability to the Account Holder or third party
arising directly or indirectly because of any or all of the following:
1) Our refusal or any other
bank, financial institution, merchant, and the like to allow, accept or honor the QCRB Mobile
Banking wallet account, even if there is sufficient balance available.
2) If we do not approve any
service transactions or settlement under the Service of the Account Holder even if there is
sufficient balance limit available.
3) The Service is honored by
any other bank, financial institution, merchant, however payment transactions are not authorized for any reason whatsoever.
4) Adjustments or reversals
caused by incorrect entries, a missed or misdirected credit to the QCRB Mobile Banking wallet account.
5) Account Holder is unable to
perform or complete any transaction using Mobile Phone or Service online payments due to
service/system/line unavailability.
6) Any delay, interruption or
termination of the Service transaction whether caused by administrative error, technical,
mechanical, electrical, or electronic fault or
difficulty or any other reason or circumstance beyond our third-parties’
and the application provider’s control
(including but not limited to acts of God, strike, labor disputes, fire, disturbance, action of
government, atmospheric conditions,
lightning, interference, or damage by third parties or any change in
legislation).
7) Theft or unauthorized use
of the QCRB Mobile Banking wallet account or
any loss, costs, damages or payable to
any third party by the Account Holder.
8) Any misrepresentation or
fraud by or misconduct of any third party, such as but not limited to owners, employees, or agents of
partner Cash Agents or Merchants.
9) An Account Holder shall not
hold us responsible or liable for any loss or damage which he may incur or suffer directly or
indirectly arising out of or in connection
with the Services due to any reason whatsoever including but not limited
to breakdown or malfunction of the
computer, its terminal connection lines, data
processing system or transmission line whether belonging to us or
any circumstances beyond our, our
third-parties’ and our application provider’s control.
10) In the event of any
unauthorized use of the Service, we shall not be liable for any inconvenience or damage caused to the Account
Holder or any third person. Moreover, we
shall not be liable for any failure by the Account Holder to avail itself of the Service for any reason whatsoever.
11) An Account Holder shall
not hold us, our third-party service provider for the Service, liable or responsible for any loss or damage arising from
possible data breach or exposure when
using the Service together with their SSS, TIN, and other personal information.
12) We reserve the right to
hold promo benefits if there is an abuse of the promo or the account is compromised or deemed
fraudulent.
In the event of any action
that the Account Holder may file against us,
the Account Holder agrees that our
liability shall not exceed One Thousand Pesos (P1,000.00) or the amount of damages suffered by the Account
Holder, whichever is lower.
5. Data Privacy Notice
As a condition for use of the
service, Account Holder permits Quezon Capital Rural Bank, Inc. and its
subsidiaries, affiliates, authorized subcontractors, agents,
representatives, dealers, distributors,
third parties, our service provider for the Service, to collect, process,
disclose, store, use, disclose, share,
transfer and distribute personal data, including data that may be classified as personal information and/or
sensitive personal information under the Data
Privacy Act of 2012, as well as transaction information, to authorized
agents, subsidiaries, affiliates,
dealers, distributors, service provider for the Service and other authorized
third parties, to undertake activities
that may include, among others:
1) Conducting analysis for
purposes of research and marketing initiatives, including the creation of Account Holder’s personal
profile based on his/her interests,
preferences, mobility patterns from physical locations that he/she may
visit, and other information that may be
relevant for marketing and market research
purposes;
2) Managing Account Holder’s
account, providing customer care activities,
monitoring the quality and security of the network, training the staff,
and providing services in a timely and
efficient manner, and ensuring your fair and lawful use of the products and services provided by us;
3) Generating statistical
insights based on Account Holder’s usage and other information to assist the Government in
planning for healthcare, disaster, and other
4) Credit scoring programs and
initiatives, including but not limited to providing information to the Credit Information
Corporation in furtherance of the objectives
of Republic Act No. 9501, otherwise known as the Credit Information
System Act;
5) Sending commercial and
promotional advertisements and campaigns, loyalty and rewards offers, surveys, customer care, and
after sales communications, and other
broadcast push messages;
6) Sharing Account Holder’s
personal data with our business partners, authorized third-party content providers, service
provider for the Service and other authorized
third-party services; and such other processing or disclosure that may
be required under law or regulations.
The Account Holder’s personal
data may be obtained in many ways including through market research activities, QCRB
Mobile Banking App, Web Portal, or Platform,
through an accredited Third-Party
platform or channel, and from our subsidiaries, affiliates, business partners, and third-party service
providers.
The Account Holder’s personal
data will be maintained in our records throughout his/her availment of the service and for as long as
necessary for the fulfillment of the purposes
for which the information was obtained or for the establishment,
exercise, or defense of legal claims, or
for legitimate business purposes, or as provided by law, rules, and regulations in accordance with the rules of
the Anti-Money Laundering Act (AMLA). The
Account Holder is afforded certain rights in relation to his/her
personal data under the Data Privacy
Act, including the right to object to processing, the right to access his/her
data, the right to rectification of
inaccurate data, and the right to erasure or blocking of data.
To provide the highest quality
service, we exchange anonymized and non-personally identifiable data with our partners and
third-party service providers.
6. Other Provisions
Governing Law
These Terms & Conditions
shall be construed and governed in accordance with the laws of the Republic of the Philippines.
Legal Disputes
Any dispute arising from the
access or use of the Service shall be settled in the first instance by mutual discussion between you and
us. If the dispute cannot be settled by
mutual discussion, it shall be referred to and finally resolved by
arbitration in accordance with the
prevailing rules of the Philippine Dispute Resolution Centre, Inc. (PDRCI).
The number of arbitrators shall be one
(1) and the place of arbitration shall be in the Philippines.
Venue of Litigation
Venue of all suits shall
exclusively be at Makati City only to the exclusion of all other courts.
Separability Clause
Should any term or condition
in this Agreement be rendered void, illegal or unenforceable in any respect under any law, the validity,
legality and enforceability of the remaining terms and conditions shall not be affected or
impaired thereby.
Amendments
We may at any time and for
whatever reason it may deem proper, amend, revise, or modify these Terms & Conditions without further
notice. It is the Account Holder’s responsibility to regularly check any changes to the Terms
& Conditions at [company website]. The
Account Holder’s continued use of our service after any such changes
constitutes acceptance of the new Terms
& Conditions. Failure to notify us of Account Holder’s intention to terminate his/her account shall
be construed as acceptance by the Account
Holder of the amendments to these Terms & Conditions.
Agreement
The Account Holder agrees to
be bound by the Terms & Conditions, Terms of Service and the Privacy Policy governing the issuance and
use of our service. Should the Account Holder
disagree with the Terms & Conditions, Terms of Service and the Privacy
Policy the Account Holder shall close or
opt out and delete the QCRB Mobile Banking App
from his/her device (if applicable),
and/or call or provide a written notice of cancellation to our
Customer Service, otherwise,
the Account Holder shall continue to be liable for all charges incurred by the Service.
Notices
All notice requirements shall
be as stated in these Terms & Conditions. If we are required to send notice to you, it shall do so through
SMS, email, or registered mail which shall be
sent to your registered address.
Complaints Handling Procedure
Our customer’s financial
questions, needs and feedback are very important. If you have any concerns about a procedure or have
encountered a problem with our service, you
may contact our Customer Service through the following channels
(Hotline, Social Media Account, etc. to
be provided).
You have our assurance that we
will handle your concerns with utmost confidentiality and will strive to resolve them as soon as
possible.
Definition of Terms
Account Holder –
refers to an individual who uses the QCRB Mobile Banking app / service
(“Service”) and whose name appears on the online form, or signed
enrollment form or application form, as
may be applicable. Refers also to the Principal Account Holder.
Account – reloadable
electronic wallet that stores electronic money in Philippine Peso (Php), redeemable only at face value. It does
not earn interest nor monetary rewards and
other similar incentives convertible to cash, nor shall any monetary
amount be purchased at a discount. It is
not a depository account, hence, is not covered by the Philippine Deposit Insurance Corporation (PDIC).
[Branded-Wallet Name] Account – refers to an account that stores Philippine Peso
(Php) value in the Service system which
may be linked to the Account Holder’s mobile phone number.
[Branded-Wallet Name] App /Quezon Capital Rural
Bank, Inc. Web Portal – mobile application that
serves as the interface between the account holder and his QCRB
Mobile Banking wallet
account, which terms of use shall be in
accordance with the Terms of Service and
User’s Guide found in the said QCRB Mobile Banking App or Quezon Capital Rural Bank, Inc. Web Portal.
QCRB Mobile
Banking In-app –
made or available from within a QCRB Mobile Banking app on a mobile device, without the need to visit a
separate online site.
Cash Agent –
over-the-counter cash-in or top-up agents accredited or authorized to perform the
Service.
In-Store Payments –
refers to face-to-face but cashless transactions by the Account Holder using the QCRB Mobile Banking App.
KYC – Know Your
Customer refers to the process of a business identifying and verifying the identity of its customers. The term is
also used to refer to the anti-money laundering
regulations which governs these activities.
Merchant – refers to a
business establishment, accredited by a financial institution to accept payments for the purchase of goods and
services using the Service.
Message – refers to
communication message sent through the Facebook Messenger or other Phone Messaging App.
Mobile Banking Service (MBS) – service that allows subscribers to access and manage their enrolled bank accounts using the QCRB
Mobile Banking App.
Mobile Banking Personal Identification Number (MPIN) – a numeric passcode used in the process of authenticating a user accessing the QCRB Mobile
Banking mobile
application.
Online Payments –
refers to the payment by an Account Holder to an online Merchant over the internet.
Overdraft – refers to
a deficit in an account caused by drawing more money than the amount held by the QCRB Mobile Banking wallet account.
PIN – refers to a
Personal Identification Number
Peso Value — refers
to the equivalent monetary value in Philippine Peso (Php) used as a basis for all account transactions in the
Philippines.
Personal Identifiable Information – Personal information refers to any information
whether recorded in a material form or
not, from which the identity of an individual is apparent or can be reasonably and directly ascertained by
the entity holding the information, or when
put together with other information would directly and certainly
identify an individual.
Phone Messaging App –
refers to software or application that enables messages to be sent and received.
POS or Point of Sale Terminal – refers to the device or terminal used by a merchant
to accept and process payments.
Sensitive Personal Information – as Personal Information: (i) about an individual’s
race, ethnic origin, marital status,
age, color, religious, philosophical, or political affiliations, health, education, genes or sexual life, or offenses or alleged offenses
relating to that individual; and (ii)
issued by government agencies peculiar to an individual which includes social security numbers, health records,
licenses, and tax returns.
Services – means both
mobile applications, channels, and services, including all associated platforms linked therefrom, Quezon
Capital Rural Bank, Inc., server and database, as
well as all material, information,
content, application, and functionality available in and through them.
Short Message Services (SMS) – refers to a communications protocol allowing the interchange of short text messages between
mobile telephone devices.
Terms – used in this
document pertains to the whole of this “Terms & Conditions of Use” including its subsequent amendments or
revisions.
Transaction – refers
to all acts that the Account Holder does to its QCRB Mobile Banking wallet account to avail of the Services that Quezon
Capital Rural Bank, Inc. offers.
Transaction Amount –
refers to the sum of money which an Account Holder uses to effect the Transaction.
Transaction Request –
refers to the request of an Account Holder to effect a Service in his/her account.
User Content – refers
to any content generated or uploaded by a user of the Services, which includes photographs, videos, music or
other multimedia files, documents,
information, or anything else that can be stored electronically.
User Guide – refers to
the instructions provided on the functionalities of the Service issued to Account Holders and may be amended from
time to time.
We – refers to the
vendors and providers of the Services, including but not limited to Quezon Capital Rural Bank, Inc., its directors, officers, employees, agents, and/or
assignees and successors, as well as the
owners/operators, affiliates, third parties, and/or licensors of the Services.
You – refers to you as
a user of the Services, and includes your agents, assignees, or successors, as well as your parents or legal
guardians for those below the age of majority.