You are required to abide by the following terms for the access to this NBF Corporate Access Mobile Application. By accessing NBF Corporate Access Mobile Application or accessing NBF Corporate Access website on the online services you indicate your acknowledgement and acceptances of these terms and conditions. If you do not accept these terms and conditions, do not access this Mobile Application and do not use any of our online services.
1. Definition:
Accounts: means the account or accounts of the Subscriber with the Bank which shall be accessed through the Service.
Functionalities: means all Financial and Non-Financial Transactions available on the Service and whereas the Subscriber has submitted an Application Form to avail the following:
(i) Financial Transaction: means all transactions that involve any exchange of funds and/or monies within the Subscriber’s Account(s) or third parties’ account(s).
(ii) Non-Financial Transactions: means all transactions that do not involve any exchange of funds and/or monies within the Subscriber’s Account(s) or third parties’ account(s).
NBF Corporate Access: is the brand name of the Internet Banking delivery channel launched by National Bank of Fujairah PJSC.
NBF Corporate Access Mobile Application: is the brand name of the Mobile Application launched by National Bank of Fujairah PJSC.
Pin; means the secret numeric code set and maintained by each Subscriber which together with the User ID and any other methodology that the Bank may choose to adopt for better security, in its sole discretion, allows a Subscriber to access the Service.
Service: means all or any of the Functionalities on the Internet Banking delivery Channel or provided by National Bank of Fujairah over its website, or over its Mobile Application under the brand name NBF Corporate Access and its NBF Corporate Access Mobile Application and is in addition to and in conjunction with any other normal banking delivery channel such as Branch banking, IVR, ATM etc.
Subscriber: means an individual business or corporate user who has submitted a request via NBF Corporate Access or manually by submitting an application to access the Service, and in the event of a Company shall means any person named as an authorized signatory as per account signing mandate provided to the Bank and authorized to use NBF Mobile Application for and on behalf of that Business Customer as per the application submitted at the Bank branches to grant access to its authorized subscribers.
User ID: means the unique alphanumeric code provided by the Bank. It allows the Subscriber to access the Service for the specific functions permitted to the Subscriber, when used in conjunction with the pin or biometric and any other methodology that the Bank may choose to adopt for better security, in its sole discretion.
Software means the application to be downloaded and installed on the Subscriber’s mobile device in order to access the Mobile Banking.
Service Provider means the third party engaged by the Bank to provide the Mobile Banking e.g. Etisalat and/or DU.
2. Use of Service:
2.1 Use of the Service is permitted only upon the Bank allowing access to the Subscriber. The Bank reserves the right to require further documentation prior allowing such access.
2.2 NBF Corporate Access Mobile Application will only be available for mobile and data connections, which meet the required specifications, and configurations as may be specified by the Bank from time to time.
2.3 NBF Corporate Access Mobile Application will collect the following data from the Subscriber’s mobile device:
1) Device Location to track when the app in use to display the nearest NBF ATMs/Branches.
2) Device Image is used as a part of User Registration functionality, app is capturing QR Image. The image is generated through Internet Banking application and app scans the image to get the user information to authenticate the user.
3) Device ID is used to register a user’s device as trusted device for app usage.
2.4 The Subscriber agrees to procure and maintain a mobile and data connection with a Service Provider, which meet these requirements at the Subscriber’s own expense
2.5 In the event where the mobile device is infected with malicious software or viruses, NBF Corporate Access Mobile Application Software will fail to download.
2.6 Upon access to the Service the Subscriber shall have full access to all Functionalities comprised therein as applied for and, for the purpose of internal records may (a) download and store data on hard disk and (b) print hard copies of certain pages.
2.7 The Subscriber may freeze/cancel access rights at any time by sending a prior written notification to the Bank confirming the cancelation of access to the Service. The Subscriber will continue to be liable for any Transactions submitted until the Bank confirms in writing that the internal records of the Bank had been amended and that the access has been cancelled.
3. Instructions and Transactions:
3.1 The Subscriber irrevocably authorizes the Bank and shall be fully responsible to accept and act upon instructions for Financial and Non-Financial Transactions given to the Bank.
3.2 The Subscriber shall be liable for all monies due arising from instructions given to the Bank and liabilities incurred in accordance with the Bank’s Schedule of Charges.
3.3 The Subscriber accepts that a payment request submitted to the Bank cannot be treated as evidence of the Bank having paid or agreed to pay the sum so requested.
3.4 The Subscriber accepts that the cut-off time for a business day is the same as the Bank’s normal business timings in the UAE from Sunday to Friday. All requests received after the cut-off time or on a bank holiday will be deemed to have been received on the following business day.
3.5 The Subscriber agrees that the Bank shall in no circumstances be liable for any loss or damage arising from payment requests submitted to the Bank where the time of receipt of such requests by the Bank does not fall during the normal business timings of the Bank.
3.6 The Subscriber accepts that any transaction will be completed as and when the process is successfully concluded, provided all other requirements are met.
3.7 The Bank will not act on any instructions via public email nor will the Bank or the Subscriber transmit to the other any information of a sensitive nature via public email. In the event that a public email system is used by the Subscriber(s), the Bank shall in no circumstances be liable for any loss or damage arising from such use.
3.8 The Bank shall not be responsible for any payments to any third party arising out of erroneous input of the Subscriber(s).
3.9 The Subscriber hereby acknowledges all debits arising from the use of the Service and considers that the Bank’s books, entries and registers shall be final and conclusive evidence of the correctness of any transaction.
4. Security:
4.1 The Bank undertakes to use reasonable care to ensure that in no way or manner shall the Password become known to any of the Bank’s employees or agents. It is the responsibility of the Subscriber to set the password at inception and to change it as and when required in order to secure confidentiality and security of the Password.
4.2 The Subscriber undertakes not to disclose the Password, and any other methodology that the Bank may choose to adopt, to any person and the Subscriber is entirely responsible for ensuring that the Password and/or any other methodology that the Bank may choose to adopt are kept secret and not used by anyone else for any fraudulent purpose. In the event of the Password and/or any other methodology that the Bank may choose to adopt becoming known to someone, that person may be treated by the Bank as an authorized Subscriber (s) and the Bank shall not be responsible for any loss or damage which may occur as a result of the Password and/or any other methodology that the Bank may choose to adopt becoming known to others. If the Subscriber knows or suspects that someone else has learned its Password or any other methodology that the Bank may choose, the Subscriber shall freeze/cancel the Service and inform the Bank immediately.
4.3 The Subscriber agrees and undertakes to treat the access rights, documentation or any other information related to the Service, strictly private and confidential at all times.
4.4 All technology based devices and methods of electronic authentication for the security and integrity of electronic data and electronic communications transmission and identification of the Subscriber may be subject to change, at the sole discretion of the Bank. The Bank is not obliged to give prior notification to the Subscriber for any technological change.
5. Limitation of Liability:
5.1 With the exception of gross negligence and/or wilful misconduct committed by the Bank, the Bank shall not be responsible for any damage or loss incurred by the Subscriber resulting from the use of Service.
5.2 The Bank shall not be responsible or have any liability to the Subscriber or anyone else for indirect or consequential losses or damages.
6. Termination:
6.1 The Bank reserves the right, in its sole discretion, to terminate the Agreement and the Subscriber’s use of the Service by giving 10 business days prior written notice to the Subscriber.
6.2 The Subscriber may terminate this Agreement and the use of the Service by giving 10 business days prior written notice to the Bank, whereas the Subscriber shall be responsible for the immediate disconnection of the Service.
7. Events of Default:
The Bank may terminate the access to the Service with immediate effect if:
7.1 the Subscriber ceases to maintain an Account with the Bank in the United Arab Emirates;
7.2 the Subscriber’s relationship with the Bank or any other banking activity has terminated;
7.3 upon making of an administration order in relation to the Subscriber or the appointment of a receiver over, or an encumbrances taking possession of or selling an asset of the Subscriber;
7.4 upon the Subscriber making an arrangement or composition with its creditors generally or making an application to a court of competent jurisdiction for protection from its creditors; or
7.5 The Subscriber notifies the Bank of changes in the status of the Subscriber which are unacceptable to the Bank.
7.6 At the sole discretion of the bank according to any internal policy.
8. Integral Part of NBF Account Agreement
8.1 These Terms and Conditions are supplementary to the Bank’s General Terms and Conditions which remain valid, unchanged and in force.
9. Law and Jurisdiction
9.1 The law governing these Terms and Conditions is that of the United Arab Emirates. In the event of any dispute arising in relation to these Terms and Conditions, the Commercial Courts of UAE will have jurisdiction provided that the Bank may, in its absolute discretion, bring proceedings in any other jurisdiction in which the Customer resides, has assets or conducts business inside or outside UAE.