Privacy

Introduction

These terms and conditions shall apply with regards to the use of the Online Banking service (hereinafter referred to as “the Service”) provided by Bank of Kigali Plc (hereinafter referred to as the “Bank”). You are hereby requested to read and understand these Terms and Conditions before you subscribe to the use of the Service. By accepting these terms and conditions, you acknowledge that you have read, understood and agree to be bound by them. Where any clarification is sort with regards to the interpretation and/or effect of these terms, please contact the Bank directly through its countrywide branches or through the Contact Centre numbers availed in the Bank’s Website.

These Terms and Conditions shall be read in conjunction with the Account Opening Terms and Conditions. In the event of any conflict between the two, these Terms and Conditions shall prevail.

Definitions

In this document the following words and phrases shall have the meanings set below unless the context indicates otherwise:

"The service" refers to this online banking service offered by the Bank and which provides the services such as enquiry about balance in the Account, details about transactions in the Account(s), statement of Account, transfer of funds, bill payment and any other service as the Bank may provide from time to time through the internet. "Account(s)" refers to your bank account maintained with the Bank. “Customer” refers to you.

“BNR” refers to the National Bank of Rwanda. “User” refers to you or an authorized user selected by you.

“Authorized User” refers to you or any other person that you have authorized to use the service on your behalf. “Password’ means a sequence of characters (either alpha and/or numeric) used by the User to access the service and includes the password first issued by the Bank to you.

Your Responsibilities for Security

You are advised that this service is a target for fraud scams and as such you should take the necessary precautions to safeguard it against more common scams which include but are not limited to:

Phishing: this takes the form of communication (e.g. emails) that claim to be from the bank or other organizations but are actually sent to you by fraudsters to try and obtain your security details. The Bank does not require, and shall not request for your security access details over email.

Spyware: is a type of computer virus that can be installed on your computer without your knowledge. It is capable of monitoring your activity, capturing your security codes and other personal information. To make sure you don't become a victim of spyware; make sure you have up-to-date anti-virus and anti-spyware software installed.

3.1 Access

For you to access this service, you shall be issued with a default password which you shall be required to change immediately upon login. You are required to comply with all requirements, instructions and specifications including without limitation any registration and activation procedures as may be prescribed by the Bank from time to time with regards to Safeguarding your Password.

In connection with safeguarding your password:

a) You should change your Password regularly and whenever the Service requires you to do so. You are also advised not to choose a Password that you had selected and used before;

b) You must choose a Password that is not likely to be guessed by anyone trying to access the Service. For example, you should avoid your own name, your birthday, or any part of your telephone number. Moreover, you must take all reasonable steps to ensure that you safeguard your password at all times. You must not disclose any details of your Password to anyone else, not even to a member of our staff or to someone giving assistance on a technical helpdesk in connection with the Service;

c) You must not record your password in a way that could make it easily identified by someone else.

d) You are requested to contact the Bank if you discover or suspect that your password or any part of it has been known by someone else. Where such an event occurs, you are requested to immediately change the Password or request the bank to suspend the use of the Service until a new password is sent to you.

3.2 Checking your statements

You are requested to ensure that you review your statements in order to ascertain that all the transactions noted were validly carried out by you. You should contact the Bank immediately should you be in dispute over certain entries or transactions in your statements.

3.3 Other security safeguards

You should not reveal your password to any other party (unless the disclosure is to an authorized user) and you should take all necessary steps to prevent its disclosure to any other party. You should not allow an unauthorized user to operate the Service on your behalf. You shall promptly report or inform the bank where the same shall be disclosed or discovered by any other party.

You should comply with any other requirements designed to enhance the security of the Service. Should you continue to use the Service after such enhancements have been added, you will be deemed to have accepted them.

Appointment of Authorized Signatories/Users

You may appoint an Authorized Signatories/User(s) who shall be granted the rights and limits prescribed by you as per the Bank’s user profile specifications. Where you appoint an authorized signatory/User(s), you shall take responsibility and shall be liable for all transactions carried out on your behalf. You may however, by written notice, cancel or modify the rights or limits granted to such Authorized Users.

Unless otherwise agreed to by the Bank the Customer shall promptly notify the Bank in writing of any change in the Customer’s particulars, including without limitation, any change in mandate, change or variation in the Customer’s signature or those of any Authorised Signatories, any change in the list of Authorised Signatories and/or Agreed Signing Arrangement, change in the Customer’s constitution (including change of partners, change of Memorandum and Articles of Association (where applicable)), change of address or other contact details.

The Customer shall submit to the Bank:

(a) in the case of an individual, sole proprietor or several individuals (including a partnership), written instructions from the Customer (if an individual or sole proprietor) or all the individuals comprising the Customer, as the case may be;

(b) in the case of a company, a certified true copy of a board resolution of the Customer authorizing the change of Authorised Signatory or Agreed Signing Arrangement, as the case may be; and

(c) in any other case, such other duly authorised instructions as shall be in form and substance satisfactory to the Bank, requesting such change.

Transactional limits

The Bank may from time to time but upon giving reasonable notice to you prescribe the minimum and maximum transactional limits to be carried out through the service

Dealings in foreign currency

Any deposit or withdrawal from your Account through the service in any currency other than the currency in which your Account is denominated, will be subject to the Bank’s prevailing exchange rates applicable to the currency of the transaction on the day the transaction is processed. For all foreign currency transactions carried out through the service in the equivalent of USD 10,000, you agree to provide such documents as may be demanded by the Bank and within 1 working day. Such documents may be availed to BNR for examination purposes where the same is requested.