alrajhi@24seven Service Agreement (Effective Date: 17 May 2019)
Thank you for choosing alrajhi@24seven for your internet banking services.
alrajhi@24seven Service provides customers with an easy to use, convenient and secure means to access Al Rajhi Bank’s services through an Internet connection. Using this channel, any customer may have direct access to their Account held with Al Rajhi Bank, perform real-time inquiries on their Account, as well as conduct various transactions from anywhere, anytime.
For Al Rajhi Bank Personal Internet Banking Services:
Customer use and access to the Al Rajhi Bank Personal Internet Banking Services (“alrajhi@24seven”) shall be subject to the following Terms and Conditions (“alrajhi@24seven Terms and Conditions”):
1.1 The following sets out alrajhi@24seven services which are available for Al Rajhi Banking and Investment Corporation (Malaysia) Bhd (719057-X) (“Al Rajhi Bank”)’s Customer, to enable Customer to electronically access and use the Services and other banking facilities, made available via alrajhi@24seven service and the Website.
1.2 The alrajhi@24seven Terms and Conditions are to be read in conjunction with the Terms and Conditions
of Al Rajhi Bank Deposit Account(s) (i.e. Current and/or Savings Account-i (CASA)), Debit Card-i, any payment instruments that enable Customer to make payment and/or transfer transactions via alrajhi@24seven services and any instructional material provided by Al Rajhi Bank, as well as any other terms, conditions and provisions which Al Rajhi Bank may prescribe from time to time.
1.3 If there is any inconsistencies between the alrajhi@24seven Terms and Conditions and any other agreement which the Customer may have with Al Rajhi Bank and/or Authorised Third Party Service Provider, the alrajhi@24seven Terms and Conditions shall prevail.
2. Definitions and Interpretation
In the alrajhi@24seven Terms and Conditions , the following words have the following meanings:
|“Account”||means one or more of the Customer’s valid Account with Al Rajhi Bank which may be linked to alrajhi@24seven Services.|
|“alrajhi@24seven”||means the internet banking services provided by Al Rajhi Bank to enable Customer to perform banking transactions with the use of a personal computer terminal or any electronic device through the internet browser with the Security Codes in accordance with the alrajhi@24seven Terms and Conditions or any other services terms and conditions as may be supplemented, varied or withdrawn by Al Rajhi Bank at any time, and from time to time.|
|“Auto-Lock”||means alrajhi@24seven account (of access) will be classified as auto-lock if there are no login activity over a continuous period of nine (90) days period.|
|“Authorised Third Party Service Provider” or “Proprietor”||means any entity, company, corporation or institution including PayNet which may offer products, services, content or information on Al Rajhi Bank’s Website from time to time.|
|“Bill”||means latest bill, invoice, notice, advice, assessment, taxes and/or payment demand which received by and required Customer to be payable within a stipulated time period from a Biller.|
|“Bill Payment”||means the payment of bills which may be made by Customer to the Biller(s) through the JomPAY using alrajhi@24seven Services.|
|“BNM” or “Bank Negara Malaysia”||means Central Bank of Malaysia.|
|“Captcha”||means a security feature that attempts to distinguish between legitimate human users and robots by requiring Customers to perform a mildly challenging task such as deciphering distorted text as part of the registration process of alrajhi@24seven Services.|
|“Card PIN”||means a 6-digit numeric personal identification number (PIN) chosen by Customer for a Debit Card issued to Customer Account which required to be entered by Customer when performing any banking transactions at the ATM terminals including cash withdrawal and/or as a PIN verification for Debit Card transactions at merchant’s point-of-sale (POS) terminals and/or for the first time login to and/or reset User ID and/or Password of alrajhi@24seven Services.|
|“Customer”||means the person or persons in whose name(s) the Account(s) is/are maintained with Al Rajhi Bank and to whom Al Rajhi Bank has agreed to provide the alrajhi@24seven Services and where applicable, the Customer’s successors in title or legal representatives.|
|“Debit Card-i”||means VISA Debit Card-i issued to Customer by Al Rajhi Bank as one of the payment method which enable Customer to perform banking transactions at any VISA member’s ATM and make purchase online/offline.|
|“Electronic Notification / Alert”||means a service which Al Rajhi Bank provides to Customer from time to time through email or SMS by alerting Customer of selected types of Transactions that had been performed by Customer via personal internet banking, alrajhi@24seven.|
|“Equipment”||means any compatible electronic, wireless, communication, transmission or telecommunications equipment, device or medium including but not limited to the internet, any personal computer, tablet, smartphone, device, terminal or system which may be required to access and use the alrajhi@24seven Services.|
|“E-Statement”||means the electronic statement which is available for viewing through Customer’s alrajhi@24seven Services following Customer’s enrollment for the E-Statement service for the Account.|
|“Fixed Term Investment Account-i”||means the electronic statement which is available for viewing through Customer’s alrajhi@24seven Services following Customer’s enrollment for the E-Statement service for the Account.|
|“Interbank Funds Transfer (IBG)”||means an interbank payment and funds transfer system that facilitates payments and collections via the exchange of digitized transactions between banks.|
|“JomPAY” or “JomPAY Scheme”||means a service offered by PayNet which facilitate industry wide ubiquitous bill payments through the use of Standard Biller Codes and Recipient Reference Numbers.|
|“Limit”||means the maximum daily amount that Customer is allowed to transact from the Account using alrajhi@24seven Services or the balance amount in the Account, whichever is lesser.|
|“Network Service Provider”||means any Internet service provider or any commercial online service provider or a licensed telecommunications services provider, providing connection to the Internet.|
|“OTP”||means a 6-digit password that is only valid for a single transaction sent automatically to Customer’s pre-registered mobile phone number with any of the Al Rajhi Bank’s Branch when Customer attempting to perform selected online banking transaction via alrajhi@24seven Services subject to Al Rajhi Bank’s discretion from time to time. Customer must key-in the OTP at the required field on the Confirmation page to complete the transaction.|
|“Own Accounts Transfer”||means the transferring of fund from Customer’s own Al Rajhi Bank savings or current account.|
|“Password”||means a unique string of characters chosen by the Customer from time to time and known only to the Customer and Al Rajhi Bank‘s computer system, which must be keyed-in by the Customer on the Customer’s computer terminal in order for the alrajhi@24seven Services system to authenticate the Customer’s User ID and grants the Customer access to the alrajhi@24seven Services.|
|“Payment”||means the payment perform by Customer of any bills or any other payment demands issued by Biller to Customer.|
|“PayNet”||means Payments Network Malaysia Sdn Bhd. (Company No.: 836743-D)|
|“Quick Link”||means shortcut for navigation of Customer most frequently visited page of alrajhi@24seven Services.|
|“Ringgit Malaysia” or “RM” or “MYR”||means the lawful currency of Malaysia|
|“Retail Payment Platform” or “RPP”||means shared payment infrastructure developed and operated by PayNet which facilitates payments and collections addressed using easily remembered proxies or by account numbers.|
|“Secure Word”||means an additional security credentials used to identify Customer when Customer access and utilize alrajhi@24seven Services. It is normally a string of alphanumeric characters selected by Customer which, being unique to the Customer and known only to the Customer and Al Rajhi Bank’s computer system, will be displayed on screen after the Customer has entered a Login User ID. This is the mutual authentication function used by Customer to verify that the login page of alrajhi@24seven is from Al Rajhi Bank’s genuine site.|
|“Security Codes”||means the security credentials used to identify Customer when Customer access and utilize alrajhi@24seven comprising of the Password, Card PIN, Secure Word, OTP and includes any other security codes as Al Rajhi Bank may issue from time to time except for User ID.|
|“Services”||means the banking services offered by Al Rajhi Bank via the internet and any other electronic medium approved by Al Rajhi Bank, in accordance with the Terms and Conditions for alrajhi@24seven.|
|“Short Message Service (SMS)”||means is a text messaging service which send to mobile devices.|
|“Transaction”||means all transactions effected by Customer using the alrajhi@24seven Services.|
|“Transfer”||means the transfer of funds perform by Customer within Customer’s own Al Rajhi Bank accounts or third party account maintained by Al Rajhi Bank or any other transfers as maybe made available by Al Rajhi Bank from time-to time.|
|“Terms and Conditions”||means these terms and conditions governing the access and use of personal internet banking, alrajhi@24seven Services.|
|“User”||means Customer who has granted the access and use of alrajhi@24seven Services by Al Rajhi Bank.|
|“User ID”||means a unique name made up of a string characters chosen by the Customer which must be keyed-in by the Customer every time Customer’s logon to alrajhi@24seven in order for the alrajhi@24seven system to associate the User ID with the Customer’s Debit Card profile and account(s) for verification and authentication purposes in order to grant Customer access to alrajhi@24seven Services.|
|“Website”||means Al Rajhi Bank’s website at https://www.alrajhibank.com.my|
|“Within Bank Transfer”||means the transferring of fund from Customer Al Rajhi Bank’s savings or current account to other Al Rajhi Bank users’ accounts (i.e. third party accounts within Al Rajhi Bank). It is also known as “Transfer To Other Al Rajhi Bank Account(s)”.|
(a) Words importing the singular shall include the plural and vice versa and those importing the masculine gender shall include the feminine and neuter gender and vice versa.
(b) Where there are two (2) or more persons comprised in the term you or the Customer, instructions, agreements, undertakings, obligations expressed to be issued or given by or made by one person, shall be deemed to have been issued or given by or made by and binding upon such persons jointly and severally.
3. Eligibility and Registration for alrajhi@24seven
3.1 Subject to these Terms and Conditions, Customer must have at least an active and valid banking account such as a Current / Savings Account-i and a Debit Card-i with Al Rajhi Bank. The Customer’s Account must continue to be valid to enable the Customer to continue using the alrajhi@24seven service.
3.2 Al Rajhi Bank may at its discretion accept or reject Customer’s registration for alrajhi@24seven.
3.2 Customer may customise the Accounts with which the Customer wishes to transact via alrajhi@24seven. For joint accounts, the signatory condition must be either one to sign.
4. Using Computer Terminals / Personal Electronic Devices and Internet/Mobile Network Access
4.1 Customer is solely responsible:
(a) to ensure that the computer terminal and/or personal electronic devices and related software and hardware meet the required specifications and configurations as may be specified by Al Rajhi Bank from time to time; and
(b) for the installation, maintenance and security of your computer terminal and/or personal electronic devices, related hardware and software (including the internet browser software) and internet/data connection used to access alrajhi@24seven, and Al Rajhi Bank shall not be responsible for any loss, damage or expense incurred by you or any third party from any delay, failure, disruption, malfunction or intrusion to the above.
4.2 Customer access to Al Rajhi Bank’s website and alrajhi@24seven through a relevant internet service provider, network provider or communication network provider or any other provider in the country from such service is accessed, and will be subject to relevant internet service provider, network provider or communication network provider or any other provider.
5. Gaining Access of alrajhi@24seven
5.1 First Time Registration:
(a) Registering using Al Rajhi Bank Debit Card-i: Customer will be required to enter the Debit Card Number, Card PIN, and ‘Captcha’ as it appears on the registration screen of alrajhi@24seven.
(b) Upon acceptance of the correct information,
The Customer’s Name, Mobile Number and Email ID will be auto-populated on the screen of alrajhi@24seven. Customer shall replace the Email ID provided with a new Email ID of Customer’s choice or maintain as it is, and click confirm button to create contact information.
(c) An OTP will be sent to Customer’s pre-registered mobile number and Customer shall key-in the OTP number for authentication purposes.
(d) Customer will be required to key-in Customer’s choice of new User ID, Password and Secure Word to create profile for the access and use of alrajhi@24seven.
(e) Once successful, Customer will be notified through alrajhi@24seven on the acknowledgment screen.
(f) Customer can then login to alrajhi@4seven through internet browser.
5.2 Subsequent Access of alrajhi@24seven After Performing First Time Registration:
(a) Customer may perform each alrajhi@24seven access using the same User ID, Password and Secure Word as per Clause 5.1(d).
(b) If Customer fails to enter the correct Customer’s profile which set as per Clause 5.1(d), Customer will be unable to access the alrajhi@24seven.
5.3 For Forgotten User ID:
(a) Customer is required to click at “Forgot Your User ID” tab and key-in Customer’s identification information using Debit Card Number, Card PIN and ‘Captcha’ that appears on the screen of alrajhi@24seven.
(b) Upon acceptance of the correct information,
Customer’s Name will appear on the screen of alrajhi@24seven services and an OTP will be sent to Customer’s pre-registered mobile number with any Al Rajhi Bank’ Branch.
(c) Customer required to key-in the OTP number for validation and authentication purposes.
(d) Upon successful validation and authentication, Customer’s User ID will be displayed on the screen of alrajhi@24seven.
(e) Customer will be able to access the alrajhi@24seven again by using existing User ID.
5.4 For Reset Password:
(a) Customer is required to click at “Reset Password” tab and key-in Customer’s identification information using Debit Card Number, Card PIN and ‘Captcha’ that appears on the screen of alrajhi@24seven.
(b) Upon acceptance of the correct information,
Customer’s Name will appear on the screen of alrajhi@24seven and an OTP will be sent to Customer’s pre-registered mobile number with any Al Rajhi Bank’ Branch.
(c) Customer is required to key-in the OTP number for validation and authentication purposes.
(d) Upon successful validation and authentication, Customer’s User ID and a new Password field will be displayed on the screen of alrajhi@24seven.
(e) Customer is required to reset Password by key-in a new choice of personal Password and confirm the said Password.
(f) Upon completion and confirmation of the above procedures, the successful status of reset new Password be displayed on the screen and Customer will be able to login to alrajhi@24seven again by using the new Password.
5.5 The access of alrajhi@24seven Services will ‘Auto-Lock’ if there is no login activity after ninety (90) days period. Customer will not be able to login or access alrajhi@24seven Services at all after such period.
5.6 Reactivation of ’Auto-Lock’ alrajhi@24seven access:
Customer is required to perform similar process as “Reset Password” in Clause 5.4(a) to 5.4(f).
5.7 For joint accounts which are allowed to operate alrajhi@24seven (i.e. either one signatory), all transactions on the Account shall be binding on all the account holders jointly and severally.
5.8 The Security Codes selected by the Customer may be changed by the Customer from time to time.
5.9 Customer agrees that Al Rajhi Bank shall use the Customer’s User ID and Security Codes to identify the Customer and acknowledges that the Customer must keep User ID and all Security Codes secure, and exercise reasonable care to prevent unauthorised access and/or use.
(a) Exposure of the Security Codes: If the Security Codes are exposed or suspected to be exposed to any person, the Customer shall immediately change the Security Codes, as the case may be to protect Customer’s own interest. If the Customer is unable to do so for any reasons, the Customer must immediately report the suspected disclosure by contacting Al Rajhi Bank Customer Care Officer at telephone number +603-2332 6000.
(b) Al Rajhi Bank may suspend or terminate any or all of the Customer’s Security Codes if the integrity or security of the Security Codes are compromised or are suspected to have been compromised, or if the security and integrity of any part of the alrajhi@24seven is threatened in any way whatsoever.
5.10 Customer’s Instructions:
(a) Use and access by the Customer of the alrajhi@24seven at any time and from time to time shall:
(i) Indicate to Al Rajhi Bank the Customer’s acceptance and agreement and continued acceptance and agreement of the provisions of these alrajhi@24seven Terms and Conditions (including but not limited to procedures, limits and conditions determined by Al Rajhi Bank and/or any applicable laws that may be passed from time to time) and of the risks in conducting any transaction over the internet; and
(ii) Be deemed to have been accessed and used by the Customer upon successful login using the Security Codes regardless whether the access was made by the Customer him/herself.
(b) Customer shall ensure that all instructions issued are complete and, accurate.
(c) Al Rajhi Bank and/or Approved Third Party Service Providers shall be entitled to carry out any instruction or transaction and/or rely on any instruction or information provided in connection with the Customer’s User ID and Security Codes as if the Customer had transacted it and/or provided the information.
(d) The Customer agrees that instructions or transactions received by Al Rajhi Bank shall be processed accordingly unless Al Rajhi Bank receives a request or instruction from the Customer in writing, to reverse or cancel the transaction/instruction. Al Rajhi Bank shall do so on a best effort basis and provided the instruction or transaction has not been executed.
(e) Al Rajhi Bank may at its discretion refuse to carry out any of the Customer’s instructions or transactions where such instructions or transactions are inconsistent with Al Rajhi Bank’s policy or any law or any rules or regulations to which Al Rajhi Bank is subject to or for any other reasons.
(f) (i) The alrajhi@24seven service will be available for use 24 hours, 7 days a week.
(ii) However there may be times when alrajhi@24seven is unavailable due to routine maintenance, repairs or upgrades of Al Rajhi Bank’s systems. Al Rajhi Bank’s aims to notify Customer in advance of any maintenance work however, may not always be able to do so if:
(1) due to technical, security, legal or regulatory reasons or due to unusual events or circumstances beyond Al Rajhi Bank’s reasonable control; or
(2) external circumstances which are out of the control of Al Rajhi Bank such as Customer’s internet connection, mobile device or network fails.
Please contact our Customer Care Officer at telephone number +603-2332 6000 if Customer is unable to use the alrajhi@24seven service and Al Rajhi Bank will do its best to provide assistance. Customer are reminded that banking transactions may still be conducted via other service delivery channels, including but not limited to Al Rajhi Bank’s ATM or Branch services to effect Customer’s transactions.
(g) The Customer shall maintain confidentiality of information on the Account, User ID Security Codes and other relevant information in respect of alrajhi@24seven services. Customer shall be responsible for the following:-
(i) Any loss or damages suffered for all unauthorized transactions carried out through the use of the User ID and Security Codes until such time when Al Rajhi Bank has received written notification of the same from Customer; and
(ii) Any loss or damages suffered and all risk arising, in the event Customer does not terminate alrajhi@24seven in accordance with the relevant procedures set out by Al Rajhi Bank for the use of alrajhi@24seven.
6. alrajhi@24seven Services
6.1 New/Additional Services - Where Al Rajhi Bank offers new or additional services, Customer’s acceptance in the manner prescribed by Al Rajhi Bank and use of such new or additional services shall be on the alrajhi@24seven Terms and Conditions and such additional terms and conditions (if any) as may be prescribed by Al Rajhi Bank.
6.2 Upon the activation of alrajhi@24seven, Customer will be able to access the following Services as and
when made available to the Customer:-
(a) View Portfolio Services which include the overview of Customer’s banking Account(s) and facilities such as Term Deposit-i, Charge Card-i and Financing-i with Al Rajhi Bank.
(b) Perform setting which include Change Password, View/Update Personal Information, Change Secure Word, and Modify Transaction Limits;
(c) Account information of each banking Account(s), Account Summary, Account Statement and Transaction History, Cheque Book Request, and E-Statement Enrolment;
(d) Perform Term Deposits-i services include view Deposit Details and Download Advice;
(e) Perform Transfers an Payments services:
(i) Transfers services include transfer to Other Accounts Services (i.e. Within Bank Transfer, Interbank GIRO (IBG), and Instant Credit Transfer), Own Accounts Transfer, DuitNow, Add a New Beneficiary, Manage Beneficiary, Scheduled Transfers, and Manage Standing Instruction;
(ii) Payment services include JomPAY services (e.g. Add New Biller, Pay Favourite Billers, Pay Multiple Billers, and Pay New Billers), Payment To Third Party Charge Card and Direct Debit Mandate;
(f) Perform Debit Card-i services include Block Debit Card (including Musafir Card, Change Debit Card Limit, Set Debit Card Flag for Internet (Purchase) Usage of Card and Set International Usage of Card) and Set/Change Debit Card PIN;
(g) Perform Financing-i services include view Financing Details;
(h) Perform Charge Cards-i services include view Charge Card-i Detail, Charge Card-i Statement and Transaction History, Charge Card-i Payment and Charge Card Statement Enrollment;
(i) Perform Quick Links services;
(j) Such other additional online services or enhancement of existing Services as Al Rajhi Bank and / or any other third party may from time to time, make available to the Customer on alrajhi@24seven.
6.3 Limits on Transactions - General:
(a) The Customer agrees and accepts that Al Rajhi Bank or relevant authority is entitled to determine and impose limits i.e. a default and a maximum sum daily transaction limits to the carrying out of transactions through alrajhi@24seven for its purposes of control. However, Customer may customize the default limits of transactions up to a maximum sum at a ‘Setting” tab of alrajhi@24seven from time to time.
6.4 JomPAY Bill Payment Facility:
(a) Al Rajhi Bank is a registered Participant under the Scheme. In the event Al Rajhi Bank ceases or is no longer a Participant, Al Rajhi Bank shall notify Customer through Al Rajhi Bank’s Website or in any other manner as Al Rajhi Bank deems fit.
(b) Please refer to “Supplementary Terms and Conditions No. 1: JomPAY Standard Payer Terms” will apply when Customer use the JomPAY Bill Payment Facility via alrajhi@24seven to make payments.
6.5 DuitNow Services:
(a) Al Rajhi Bank is a participant under DuitNow, which is operated by the DuitNow Operator. In the event Al Rajhi Bank ceases or is no longer a participant of DuitNow, Al Rajhi Bank shall notify Customer through Al Rajhi Bank’s Website or in any other manner as Al Rajhi Bank deems fit.
(b) Please refer to “Supplementary Terms and Conditions No. 2: DuitNow Terms and Conditions” and “Supplementary Terms and Conditions No. 3: National Addressing Database (NAD) Terms and Conditions” will apply when Customer use the DuitNow Services via alrajhi@24seven to make funds transfer.
6.6 Transaction Records:
(a) Any Instructions transmitted or received by Al Rjahi Bank after the relevant cut-off processing time on any Business Day will be treated as given and processed on the next Business Day. The cut-off time for processing Instructions and transactions may be varied by Al Rajhi Bank from time to time at its absolute discretion with prior notice to Customer.
(b) Transactions that have not been verified or processed by Al Rajhi Bank shall not appear in the balances of the relevant Account available to Customer through alrajhi@24seven screen and shall not be conclusive of the state of the relevant Account.
(c) Al Rajhi Bank will issue statements for the Accounts in accordance with the Terms and Conditions for the relevant Accounts, which will include transactions effected through alrajhi@24seven. Such statements of Accounts shall be binding and conclusive evidence of such transactions carried out by Customer.
6.7 Statement of Account and E-Statement Services
(a) Statement of Account:
(i) Al Rajhi Bank will issue the Customer such Statements of Account as agreed in the relevant Deposit Account Terms and Conditions. A Statement of Account will include the alrajhi@24seven Services transactions carried out on the Customer’s instruction which are relevant to the Customer’s CASA Account(s).
(ii) Where Al Rajhi Bank sends or delivers to the Customer Statement of Account, Customer shall verify each and every Statement of Account as per relevant Deposit Account Terms and Conditions.
(b) E-Statement Services:
(i) The E-Statement service allows Customers of Al Rajhi Bank who has subscribed to alrajhi@24seven service to view, save and print in PDF format or such other format as may be made available by Al Rajhi Bank from time to time.
(ii) E-Statement is an electronic version of the paper statement mailed or otherwise provided to the Al Rajhi Bank’s Customers that are made available via alrajhi@24seven service in a form either identical in full or in part, to the paper version of the said statements (as applicable).
(iii) Customer acknowledges that Al Rajhi Bank may provide E-Statements in the form of Account Statements to Customers who are not previously entitled to the paper statements of the same under the applicable rules of the said Account through alrajhi@24seven, at Al Rajhi Bank’s discretion upon the request by Customer.
6.11 Scheduled of Transfers Services:
(a) Customer may use the Scheduled Transfers Service to make scheduled fund transfers of IBG and/or JomPAY services on a recurring basis at such intervals as Customer may select (“Scheduled Transfers”) through alrajhi@24seven Services from any of Customer’s Account to any other account maintained by Al Rajhi Bank or any other bank (whether such account are in Customer’s name or any third parties) or to any Biller(s), as determined and in the sole and absolute discretion of Al Rajhi Bank.
(b) Subject to Clause 5.10 Customer’s Instructions, upon receipt of Customer’s Instructions, Al Rajhi Bank shall process and effect the Scheduled Transfers on the date the Scheduled Transfer is to be effected (“Scheduled Transfers Date”). Customer may attempt to cancel and/or revoke the instructions for any Scheduled Transfers prior to the Scheduled Transfers Date provided that the earlier instruction has not been executed.,
(c) Al Rajhi Bank reserves the right to refuse to effect any Instructions for any Scheduled Transfers at any time prior to the Scheduled Transfers Date at Al Rajhi Bank’s discretion by way of notice to Customer. The Customer may cancel the Scheduled Transfer service pursuant to “Termination” clause below. Any unprocessed Scheduled Transfers will be cancelled on the Business day the Customer’s cancellation request is received. If the Customer closes any relevant Account pertaining to any such Scheduled Transfers, any unprocessed Transfers scheduled from that Account or to be paid into that Account will also be cancelled on the day that Account is closed.
(d) For the avoidance of doubt, until such time that Al Rajhi Bank has been duly notified of Customer’s death or bankruptcy, Al Rajhi Bank shall be entitled to carry out or continue to carry out and effect Customer’s Instructions for such Scheduled Transfers.
6.12 Electronic Notification / Alerts:
(a) This is an electronic notifications / alerts provided by Al Rajhi Bank to Customers via SMS for selected types of alrajhi@24seven services available from time to time at Al Rajhi Bank’s discretion. The SMS will be sent to the Customer’s mobile number that has been pre-registered with Al Rajhi Bank. If Customer also require a notification to be sent to Customer’s email address, Customer should update Customer’s own profile with Customer’s selected email addresses address(s).
7. Customer's Responsibilities for Security
7.1 To prevent unauthorised access and to ensure only the Customer can access and using the services the Customer should adhere to the following security procedures at all times:
(a) The Customer shall keep the Customer’s User ID and Security Codes confidential and not disclose them to anyone, not even the joint accountholder, or Al Rajhi Bank’s employees, including the Customer Care Officer and take all necessary precautions to prevent unauthorised or fraudulent use of the Customer’s Account.
7.2 The Customer should not let anyone else to operate on behalf of the Customer, or leave the computer unattended whilst the Customer is logged on to the alrajhi@24seven Service, nor save the Customer's Security Codes on any prompt in the PC / laptop and electronic device.
(a) Al Rajhi Bank shall not be liable to any loss or damage (including without limitation any loss of funds) incurred or suffered by the Customer or any other party in the event any or all of the Customer's information or funds are accessed, used or howsoever otherwise dealt with by any third party under the Services.
7.3 The Customer is also responsible for the Customer’s own personal computer antivirus and security measures to prevent any unauthorised access to the Customer transactions and Accounts via the alrajhi@24seven Service.
(a) The Customer is advised to follow any other security regulations/ procedures prescribed by Al Rajhi Bank whether in the website or in such other media.
7.4 The Customer is also advised to periodically check their account(s) balances at appropriate length of time subsequent to the transaction performed and to let Al Rajhi Bank knows of any irregularity or errors.
(a) Should there be any unauthorised transactions or unauthorised access suspected, the Customer must immediately call the Al Rajhi Bank Customer Care Officer at telephone number +603 2332 6000, whereupon Al Rajhi Bank may suspend / cancel the Customer access and use of the Services until Customer's new Security Codes have been set up.
8. Exclusion of Liability
8.1 Al Rajhi Bank and/or its partners herein shall in no event be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation, direct or indirect, special, incidental, consequential or punitive damages or loss profits or savings arising in connection with the Customer access or use or the liability to access or use this alrajhi@24seven Services, reliance on the information contained in this alrajhi@24seven Services , any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses or otherwise except where such loss or damage was directly caused by Al Rajhi Bank’s gross negligence, fraud or wilful default.
9. Reimbursement of costs by Customer
9.1 The Customer agrees to pay any actual costs incurred by Al Rajhi Bank arising out of the negligence of or wilful misconduct of the Customer’s obligations under these alrajhi@24seven Terms and Conditions.
9.2 The Customer agrees that Al Rajhi Bank shall not be liable to the Customer for and with respect to any third party claim against the Customer, and the Customer shall hold Al Rajhi Bank harmless from and against any liability claim loss damage or expense of any kind relating to or arising out of third party rights and the infringement thereof.
9.3 Al Rajhi Bank shall not be responsible for fraudulent or unauthorised instructions or any loss damage or liability whatsoever suffered and/or incurred by the Customer unless arising through the negligence or wilful default of Al Rajhi Bank.
9.4 The Customer’s obligations herein shall survive the termination of any of alrajhi@24seven Services to the Customer by either party.
10. Copyright and Trademarks
10.1 All copyrights, trademarks, service marks and logos displayed in this Website (including but not limited to all information, data, graphics, files, text sound recordings and the sequence and arrangement of the same) are the property of Al Rajhi Bank and/or their respective approved third party proprietors as identified in this alrajhi@24seven Services. Unless prior written consent of Al Rajhi Bank or the relevant third party proprietor of any of the copyrights, trademarks, service marks or logos appearing in this Website has been obtained, no license or right is granted to any party accessing this Website to use, download, reproduce copy or modify such copyrights, trademarks, service marks or logos. Similarly, unless the prior written consent of Al Rajhi Bank or the relevant approved proprietor has been obtained, no such copyrights, trademarks, service marks or logos may be used as a link or to mark any link to Al Rajhi Bank’s Website or any other site.
11.1 Links from or to websites outside this alrajhi@24seven Services are meant for convenience only. Such linked websites are owned and operated by third parties and as such are not under the control of Al Rajhi Bank. Therefore Al Rajhi Bank shall not be responsible and makes no warranties in respect of the contents of those websites, the third parties named therein or their products and services. The links provided in this alrajhi@24seven Services shall not be considered an endorsement or verification or approval of such linked websites or the contents therein. Linking to any other site is at the Customer sole risk and Al Rajhi Bank shall not be responsible or liable for any damages in connection with the linking.
12. Right of Set-off
12.1 The Customer hereby agrees that Al Rajhi Bank may at any time without notice recover from the Customer by way of set-off any monies owing to Al Rajhi Bank as a result of or incidental to the transactions executed through the alrajhi@24seven Services.
13. Disclosure of Customer’s Information
13.1 Al Rajhi Bank may disclose or make available through the internet to each company in Al Rajhi Bank and Al Rajhi Bank’s agents, suppliers, vendors and service companies that provide support or services for Al Rajhi Bank’s products and services the information on the Customer for the purpose of providing the Customer with the wide range of financial products and services offered by Al Rajhi Bank.
(a) Customer’s information will not be provided to third parties for any other purposes other than as stated herein.
(b) If the Customer does not agree to Al Rajhi Bank revealing or divulging the information provided by the Customer within Al Rajhi Bank and its agents, suppliers, vendors and service companies, the Customer shall write in to Al Rajhi Bank accordingly.
13.2 Al Rajhi Bank is committed to take reasonable care and use its best endeavours to ensure that information transmitted and received is secure.
(a) Nevertheless the Customer acknowledges the risks involved in using the internet and the customer further agrees not to hold Al Rajhi Bank responsible for any loss or damage suffered arising from unauthorised disclosures where Al Rajhi Bank has taken practical steps to protect the information form any loss, misuse, modification unauthorised or accidental access or disclosure, alteration or distraction.
14. Bank Charges
14.1 The Customer hereby agrees and undertakes to pay Al Rajhi Bank on demand, all such service or transaction charges, which Al Rajhi Bank may impose from time to time in respect of or in connection with the alrajhi@24seven Services and such service or transaction charges will be debited from the Customer’s Account immediately on completion of the transaction. Al Rajhi Bank will ensure that any changes to these charges will comply with Clause 17 – Changes of Terms & Conditions.
14.2 All published rates, fees and charges will be displayed at any of Al Rajhi Bank branches, official Website or upon Customer’s request.
15. International Use
15.1 The use of the alrajhi@24seven Services outside of Malaysia is subject to the Islamic Financial Services Act 2013, as the case may be, and the Foreign Exchange Administration (FEA) Rules of Bank Negara Malaysia or any fiscal or exchange control requirements operating in the country where the transaction is effected or requested; and the laws and regulations of Malaysia and the country where the transaction is effected or requested.
15.2 The maximum transaction amount and the purpose for which it is effected may be determined by Bank Negara Malaysia and the laws and regulations of the country in which the transaction is effected or requested.
15.3 The Customer hereby agrees that the Customer is using the alrajhi@24seven Services at the Customer’s own initiative and is responsible for Customer compliance with local laws.
16.1 Al Rajhi Bank is entitled to terminate the Customer’s rights of access to the alrajhi@24seven Services should the Customer cease to maintain any Account with Al Rajhi Bank which can be accessed via the alrajhi@24seven Services.
16.2 The Customer may terminate the Customer’s use of and access to the alrajhi@24seven Services by giving prior written notice to Al Rajhi Bank. The alrajhi@24seven Services to the Customer will be cancelled within five (5) calendar days from the date of the receipt of the said notice of termination. The Customer hereby agrees not to use the alrajhi@24seven Services with effect from the date of the Customer’s termination notice and further agrees that Al Rajhi Bank shall not be obliged to effect any of the Customer’s instructions received on any day falling after the receipt of the Customer’s notice of termination.
(a) In the case of Joint Account, each of the Joint Account Holders agree that the termination of the alrajhi@24seven Services may be given by any one of the authorized signatory of the Joint Account.
(b) The Customer acknowledges that termination will not affect the Customer’s liability or obligations in respect of instructions already processed and/or effected by Al Rajhi Bank on the Customer’s behalf.
17. Change of Terms and Conditions
17.1 Al Rajhi Bank reserves the right to vary, amend or supplement any of these alrajhi@24seven Terms and Conditions by way of notice in such manner as deemed suitable by Al Rajhi Bank from time to time with twenty-one (21) calendar days prior notice in such manner as deemed suitable by Al Rajhi Bank.
17.2 The Customer will be able to review the revised Terms and Conditions upon access to the alrajhi@24seven Services at this Website and use of the services thereafter shall constitute the Customer’s acceptance to the variations, amendments or supplements.
17.3 If Customer disagree and/or do not accept any part and/or the whole part of the amendments, Customer must terminate the alrajhi@24seven Services immediately, otherwise Customer will be deemed to have accepted and agreed to such changes and such changes will be binding on the Customer.
18.1 No failure or delay on the part of Al Rajhi Bank in exercising any right, power, privilege or remedy provided in the Terms and Conditions shall constitute a waiver or acquiescence of such default which shall affect or impair any right, power, privilege or remedy herein.
19.1 If any of the Terms and Conditions becomes invalid, illegal or unenforceable pursuant to any law, then the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired.
20. Successor Bound
20.1 Terms and Conditions herein shall be binding upon the heirs personal representatives executors and successors in title of the Customer and Al Rajhi Bank respectively, unless the customer previously informs Al Rajhi Bank that they wish to discontinue this service.
21.1 The Customer hereby consents to all notices and other communications which concern the alrajhi@24seven Services or are required under the Terms and Conditions or may be given by Al Rajhi Bank in any one of the following manners:-
(a) By ordinary post to the Customer’s last known address in Al Rajhi Bank’s records and such notification shall be deemed received twenty-one (21) Calendar Days after posting;
(b) By electronic mail to the Customer’s last known e-mail addresses in Al Rajhi Bank’s records and such notification shall be deemed received forty eight (48) hours after sending, or after notification of receipt has been received, whichever is sooner.
(c) By inserting a notice in Al Rajhi Bank’s Statement of Account to the Customer and such notification shall be deemed effective twenty-one (21) Calendar Days after the date of posting of the notice contained in the Statement of Account to the Customer.
(d) By broadcasting a message on this Website.
21.2 Access, corrections and complaints of alrajhi@24seven Terms and services:
If the Customer would like to make any inquiries or complaints or requests to access, correct or limit our processing of Customer’s personal data, Customer may contact Al Rajhi Bank’s Customer Care Officer at telephone number +603 23326000 or email: firstname.lastname@example.org (inquiry) / email@example.com (complaint), or may visit any of Al Rajhi Bank branches.
22. Law and Jurisdiction
22.1 For all intents and purposes, these alrajhi@24seven Terms and Conditions are intended to be a Shariah-compliant document in accordance with the relevant Shariah contract and shall be construed in accordance with the Shariah principles.
22.2 Each Party has independently made its own assessment as to the Shariah compliance of these alrajhi@24seven Terms and Conditions. By utilising the Services, the Customer is deemed to have confirmed that the Customer does not have any objection as to the Shariah compliance of these alrajhi@24seven Terms and Conditions and the Customer irrevocably and unconditionally agree that the Customer will not raise any claim, objection as to matters of Shariah non-compliance in respect of or otherwise in relation to any of the provisions of these alrajhi@24seven Terms and Conditions.
22.3 So far as it does not contradict the above, these alrajhi@24seven Terms and Conditions shall be governed by the Malaysian law and the Customer will submit to the non-exclusive jurisdiction of courts of Malaysia.
22.4 Notwithstanding to the above, the Customer hereby agrees and acknowledges that any transaction for non-Shariah compliant businesses and services are prohibited in Islam and that Al Rajhi Bank does not condone any remittance / fund transfer and/or payment of the bills against non-permissible transactions. With aforementioned agreement and acknowledgement, the Customer hereby instruct Al Rajhi Bank to remit / transfer and/or make payment as per details provided as per the respective funds transfer and/or payment transaction confirmation screen of alrajhi@24seven Services.
23.1 Notwithstanding the same, the information, materials and contents provided by Al Rajhi Bank on this alrajhi@24seven Services are provided on an “as is” and “as available” basis and are of the general nature.
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