Terms &
Conditions
THE FOLLOWING TERMS AND CONDITIONS APPLY
TO YOUR ACCESS AND THE USE OF MAYBANK2E AND THE SERVICES PROVIDED HERE IN BY
MALAYAN BANKING BERHAD AND ITS SUBSIDIARIES. BY ACCESSING ANY PAGE OF THIS WEBSITE
AND/OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS
WITHOUT LIMITATION OR QUALIFICATION.
IF YOU DO NOT ACCEPT THESE TERMS AND
CONDITIONS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO THIS WEBSITE AND/OR
USE OF THE SERVICES.
General
The term
"Maybank" as used in these terms and
conditions refers to Malayan Banking Berhad. The term
"the Maybank Group" refers to Malayan
Banking Berhad and its subsidiaries, either
individually and/or collectively as the context requires.
All products
and services of the Maybank Group and its partners
herein provided are subject to the terms and conditions of the applicable
agreements governing their use. These terms and conditions are meant to
regulate your access to this website and they are to be read together with the
applicable terms and conditions governing any transaction(s), product(s) and/or
service(s) provided in this website. In the event of conflict between these
terms and conditions and the terms and conditions governing the relevant
transaction(s), product(s) and/or service(s) provided herein, the latter will
prevail.
The
information, material, functions and content provided in the pages of the
website may be changed from time to time with or without notice at Maybank Group's absolute discretion. Your continued access
or use of the website and/or the services provided herein subsequent to any
such change will be deemed as your acceptance to those changes.
Disclaimer
The materials
and information in this website, including but not limited to services,
products, information, data, text, graphics, audio, video, links or other
items, are provided by the Maybank Group on an
"as is" and "as available" basis. References to material
and information contained in the website include such material and information
provided by third parties.
The Maybank Group does not make any express or implied
warranties, representations or endorsements including but not limited to any
warranties of title, non-infringement, merchantability, usefulness, operation,
completeness, currentness, accuracy, satisfactory
quality, reliability, fitness for a particular purpose in respect of the
website, the material, information and/or functions therein and expressly
disclaims liability for errors and omissions in such materials, information
and/or functions. Without derogation of the above and/or the terms and
conditions of the applicable agreements governing all the products and services
of the Maybank Group, reasonable measures will be
taken by the Maybank Group to ensure the accuracy and
validity of all information relating to transactions and products of Maybank Group which originate exclusively from Maybank Group.
Further the Maybank Group does not warrant or represent that access to
the whole or part(s) of this website, the materials, information and/or
functions contained therein will be provided uninterrupted or free from errors
or that any identified defect will be corrected, or that there will be no
delays, failures, errors or loss of transmitted information, that no malware or
other contaminating or destructive properties will be transmitted or that no
damage will occur to your electronic device (includes but is not limited to any computer, system or device).
The
materials, information and functions provided in this website shall not under
any circumstances be considered or construed as an offer or solicitation to
sell, buy, give, take, issue, allot or transfer, or as the giving of any advice
in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual
funds or other securities, investments, loans, advances, credits or deposits in
any jurisdiction.
You shall be
responsible to evaluate the quality, adequacy, completeness, currentness and usefulness of all services, content,
advice, opinions and other information obtained or accessible through the
website; further you should seek professional advice at all times and obtain
independent verification of the materials and information provided herein prior
to making any investment, business or commercial decision based on any such
materials or information.
Links
Links from or
to websites outside this website are meant for convenience only. Such linked
websites are owned and operated by third parties and as such are not under the
control of the Maybank Group. Therefore, the Maybank Group 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. Furthermore, the links provided in this website
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 your
sole risk and the Maybank Group will not be
responsible or liable for any damages in connection with linking. It is
advisable for you to read the privacy policy statements (if any) of any websites
which are linked to this website.
Copyright
Unless
otherwise indicated, the copyright in this website and its contents, including
but not limited to the text, images, graphics, sound files, animation files,
video files, and their arrangement, are the property of the Maybank
Group, and are protected by applicable Malaysian and international copyright
laws. No part or parts of this website may be modified, copied, distributed,
retransmitted, broadcast, displayed, performed, reproduced, published,
licensed, transferred, sold or commercially dealt with in any manner without
the express prior written consent of the Maybank
Group.
You also may
not, without the Maybank Group's expressed prior
written consent, insert a link to this website on any other website, frame or
"mirror" any material contained on this website on any other server.
Any such
unauthorised reproduction, retransmission or other copying or modification of
any of the contents of the Maybank Group's website
may be in breach of statutory or common law rights which could be the subject
of legal action.
The Maybank Group disclaims all liability which may arise from
any unauthorized reproduction or use of the contents of this Maybank Group's website.
Trademarks
All
trademarks, service marks, and logos displayed in this website are the property
of the Maybank Group and/or their respective third
party proprietors as identified in the website.
Unless the
prior written consent of the Maybank Group or the
relevant third party proprietor of any of the trademarks, service marks or
logos appearing on the website has been obtained, no license or right is
granted to any party accessing this website to use, download, reproduce, copy
or modify such trademarks, services marks or logos. Similarly, unless the prior
written consent of the Maybank Group or the relevant
proprietor has been obtained, no such trademark, service mark or logo may be
used as a link or to mark any link to the Maybank
Group's website or any other site.
Exclusion of Liability
The Maybank Group 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 your access or use or the
inability to access or use this website (or any third party link to or from the
Maybank Group's website), reliance on the information
contained in the website, any technical, hardware or software failure of any
kind, the interruption, error, omission, delay in operation, malware,
or otherwise.
This
exclusion clause shall take effect to the fullest extent permitted by law.
Indemnity
You hereby
irrevocably agree to indemnify and keep indemnified the Maybank
Group from all liabilities, claims, losses and expenses, including any legal
fees that may be incurred by the Maybank Group in
connection with or arising from (1) your use or misuse of this website and the
services provided herein, or (2) your breach of these terms and conditions
howsoever occasioned, or (3) any intellectual property right or proprietary
right infringement claim made by a third party against the Maybank
Group in connection with your use of this website.
Termination
The Maybank Group reserves the right to terminate and/or
suspend your access to this website and/or your use of this website at any
time, for any reason. In particular, and without limitation, the Maybank Group may terminate and/or suspend your access
should you violate any of these terms and conditions or violate the rights of
the Maybank Group, of any other user, or of any third
party.
Miscellaneous
The failure
of the Maybank Group to exercise or enforce any right
or provision of these terms and conditions shall not constitute a waiver of
such right or provision.
If any part
of these terms and conditions is determined to be invalid or unenforceable
pursuant to applicable law, then the invalid and unenforceable provision will
be deemed superseded by a valid, enforceable provision that most closely
matches the intent of the original provision and the remainder of the other
provisions of the terms and conditions shall continue in full force and effect.
Any rights not expressly granted herein are reserved.
Law and Jurisdiction
These terms
and conditions are governed by and are to be construed in accordance with the
laws of Malaysia. By accessing this website and/or using the services provided
herein by the Maybank Group, you hereby consent to
the exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in
all disputes arising out of or relating to the use of this website.
The Maybank Group makes no representation that the materials,
information, functions and/or services provided on this website are appropriate
or available for use in jurisdictions other than Malaysia.
Security,
Privacy & Client Charter
Security Information
Malayan Banking Berhad
(hereinafter referred to as "Maybank") is
highly committed to ensuring that all transactions performed through
www.maybank2e.com (hereinafter referred to as Maybank2e) are secure, safe and
confidential. This section explains our related security arrangements, privacy
policy and client charter.
This security arrangement details the procedures
employed by Maybank in safeguarding the security and
integrity of any information and transactions transmitted or made via Maybank2E
and of Maybank2E itself.
We shall at all times and to the best of
our ability, endeavour to ensure that all materials, data, communications
and/or information exchanged, disclosed, shared, stored or otherwise used
("Information"), or any transactions which are made via Maybank2E
("Transactions") are kept private and confidential. Further thereto,
we shall comply with and adhere to the requirements of Central Bank pertaining
to the privacy and confidentiality of the Information and Transactions as well
as the need to maintain the security and integrity of Maybank2E. In pursuance
of these objectives, we have set in place a multitude of security procedures
and requirements which are designed to ensure the optimum security of the Information,
Transactions and Maybank2E at all times, all of which are elaborated upon
below.
In order to ensure the privacy,
confidentiality and integrity of the Information and Transactions transmitted
or made via Maybank2E, we have engaged the use of a combination of
authentication, encryption and auditing mechanisms which serve as a powerful
barrier against all forms of system penetration and abuse.
These mechanisms include but are not limited to the following:-
·
Authentication;
·
Information Protection;
·
Data Confidentiality & Data Integrity;
·
System Security & Monitoring; and
·
Computer Virus Protection
·
Malware
To prevent unauthorised access to our
online financial services as offered through Maybank2E, every user is required
to select a username ("User ID") and an alphanumeric password
("Password"), which are the Access Keys to your financial
information, banking facilities and the product and services offered via
Maybank2E. The User ID must be between 6 to 18 characters and the Password must
be between 6 to 16 characters. In both cases, special characters and spaces
should not be used. Security devices are used in addition to password to perform 2 factor
authentications, to prove that the user is who they claim to be.
The User ID and Password are case
sensitive. For example, if your Password is "maybank2E" and you key
in "maybank2e", you will not be able to login (the "e" must
be uppercase).
To ensure the integrity of these Access
Keys, you are advised to maintain its confidentiality by not sharing it or
making it accessible to any other person and to take all reasonable endeavours
to maintain its security which may include, memorising the Access Keys,
changing your Password regularly and signing off before visiting any other
Internet sites.
In addition, users who are acting as
authorisers are required to use digital certificates for the purposes of
ascertaining and authenticating their identity before a transaction is
approved.
We take considerable effort to ensure a
safe and secure online experience, but we do not have control over the electronic device
you use to access Maybank2E. We have incorporated the usage of cookies for
authenticating, tracking, and maintaining specific information about user(s).
As an added security feature, an automatic log out function if no activity is
detected after a preset time limit.
However, you must ensure that your
electronic device and you do not provide anyone opportunity to gain access to your account
information. The following are several tips and guidelines that may assist you:
·
Ensure no one has access to your electronic device, Access Keys
or records of your online activities.
·
Always log out of Maybank2E immediately after
completing transactions and before visiting other websites.
·
Do not send any information about your account or
other financial or confidential information via email.
·
Disable the AutoComplete function on your browser to
avoid automatic completion of your Access Keys when you type in the said Access
Keys.
·
Clear your cache and close the browser window after
each session.
For example: To turn AutoComplete
"On" or "Off" in MS Internet Explorer browser:
1. is requested
or authorised by you or any other persons purporting to be you upon the satisfactory
verification of identity by us in accordance with our prevailing procedure;
2. Click
"Internet Options" to get the "Content" tab.
3. From this
tab, click the "AutoComplete" button.
4. Uncheck
"User ID and Passwords on forms".
By using Comodo SSL you guarantee the highest possible encryption levels for online transactions. Each SSL certificate is signed with NIST recommended 2048 bit signatures and provides up to 256 bit encryption of customer data.
Maybank has adopted
a combination of the following systems security and monitoring measures for
online transactions:
·
Firewall systems, strong data encryption, antimalware, anti-virus
protection and round-the-clock security surveillance systems to detect and
prevent any form of illegitimate activities on our network systems.
·
Regular security reviews of our systems by our internal
system auditor as well as external security experts.
In addition to the measures adopted by
us, we would recommend that you consider installing a personal firewall or, at
a minimum, power-off your PC when it is not in use.
We also take every effort in ensuring
collaboration with major vendors/manufacturers to keep abreast of information
security technology developments, for possible and future
implementation.
Viruses and malware are real and once your
electronic device is infected it can cost you time, loss of information, repair expense,
and aggravation. Make sure your electronic device has an anti-virus and anti-malware protection program
installed to reduce the risk.
We recommend that you purchase a program
that automatically upgrades your virus and malware protection on a recurring basis. If you
currently have a virus and/or protection program on your electronic device without the
automatic upgrade feature, make sure you update your virus and malware protection program
at least monthly and/or when you hear of a new virus or malware to minimize your risk. You
can do this by visiting the Internet site of the company that provides your
virus and/or malware protection program.
In addition, we would advise against
opening attachments from others or using diskettes unless you have absolute
certainty that you can trust the source. Notwithstanding, we would advise that
you still remain cautious as whoever sent you that attachment or gave you the
diskette may themselves be unaware that they have carried the virus to you.
Further to the rest of this Security
Arrangement and for the purposes of clarification, any and all Transactions
which are initiated by or originate from the Customer's Access Keys (which
shall be taken to include the Access Keys of the Customer's duly appointed
users) shall be deemed to have been initiated or originated from the said
Customer and accordingly, we shall be entitled to carry out the said
Transactions as if we had been duly instructed to do so by the respective
Customer.
We also maintain and constantly update
the logs of the Transactions which record, among others, the Transactions
entered into by our Customers (including you) and the nature, time and date of
the same, all of which serves to enable us to verify the various Transactions
made and act as evidence thereof should there ever arise a dispute as to the
same.
Maybank2E is designed and developed with
the primary and utmost intention of safeguarding the security and integrity of
all Information and Transactions at all times. Pursuant thereto, Maybank2E
deploys a wide range of security features all of which are constantly reviewed
and audited to determine their effectiveness and further updated and maintained
to ensure that these security features perform at optimum standards at all
times.
We also adopt a variety of monitoring
and review measures upon the security and integrity of Maybank2E, which include
but are not limited to:
1. Enhanced
data-encryption methods;
2. Anti-virus
detection, prevention and protection procedures;
3. Firewall
barriers; and
4. Surveillance
and detection,
5. Anti-malware
all of which are designed and
implemented to intercept and prevent any form of attack on, penetration of or
otherwise unauthorised access into Maybank2E and to ensure that the critical
sectors of Maybank2E including the storage of the Information, the Information
itself and the processing and authentication of the Transactions are, at all
times, kept free from such attack, penetration or unauthorised access
("System Security Monitors").
We shall also endeavour to conduct
regular and thorough reviews or audits of our System Security Monitors, both by
our internal security auditors as well as by external security experts. These
reviews and audits may include but are not limited to actual penetration
testing and intrusion detection on our said System Security Monitors which will
enable us to determine whether there are any defects, faults, malfunctions or
shortcomings (the "said defects") in the same. In the event the said
defects or otherwise a breach of Maybank2E is discovered, we shall in the case
of a security breach, promptly report the same to the appropriate management
and Central Bank and immediately proceed to rectify or remedy the same. For
this purpose, we may be required to temporarily or indefinitely suspend all use
of Maybank2E until such time when the said defects are rectified or remedied
without any notice and without any liability whatsoever to you.
While we have the capabilities to ensure
that the privacy, confidentiality and integrity of the Information, the Transactions
as well as the security and integrity of Maybank2E itself are at all times,
safeguarded, maintained and secure, we shall from time to time collaborate
efforts with other major hardware, equipment or software vendors and
manufacturers in an effort to keep abreast with the developments and
improvements made to the same. Accordingly, where we believe that such
developments and improvements would serve to provide enhanced security to the
Information, Transactions and Maybank2e.net above, we shall not hesitate to
implement the same for our joint-benefit.
We firmly believe that the privacy of our Customers’
information is fundamental to securing public trust and confidence in our
products and services and therefore, it is our policy to respect, maintain,
protect and safeguard, at all times, the privacy of our Customers’ information
under the www.maybank2e.com website
which is operated by us at Malayan Banking Berhad.
We have always considered our Customers
and their interests as being of utmost priority in the provision of our
products and services. For this reason and others, we are committed to ensuring
that the privacy of your personal, banking and financial information as well as
any other information in respect of or pertaining to the same which you have
disclosed, shared, exchanged or otherwise provided to us
("Information") is at all times respected, maintained, protected and
safeguarded.
Pursuant thereto and for your benefit,
this Privacy Policy (which we may amend from time to time) is designed to
explain and elaborate upon some of our policies and principles pertaining to
the privacy of your Information, all of which we have adopted as a sign of our
commitment to respecting, maintaining, protecting and safeguarding the privacy
of your Information.
The types of Information which we collect vary depending upon how you access and use our products and services. Nevertheless, the Information which we collect generally comprises of data and information pertaining to yourself such as your name, National Registration Identification Card (NRIC) No. as well as other financial and banking information as may be relevant to provide the products and services where the Customer is a company or organisation, information pertaining to, among others, the Customer's users and any other relevant business and financial information pertaining to such company or organisation. We will maintain your data and company’s particulars for as long as you are a customer of the Maybank
Group. As for the information records (other than the data and particulars), we will maintain them for a period of seven (7) years as per the requirements of Central Bank.The Information which
we gather from you is generally meant to be used in the ordinary course of our
business including the provision of our products and services to you as
requested. However, our use of your Information may also extend to other
purposes, among others, to enforce or defend any of our rights, to comply with
all applicable legislation, laws and regulations as well as the requirements of
any legal, regulatory or other authoritative bodies, to enhance the quality of
our products and services and to prevent fraud or illegal activities. Further,
such Information may also be used to prepare demographics concerning our
Customers' use of our products and services which may, at our sole discretion,
be made available to our third party vendors, advertisers, affiliates or
relevant third parties in aggregate or demographic form from which individual
Customer's identities cannot be ascertained.
We repeat our
commitment to respect, maintain, protect and safeguard the privacy of your
Information by ensuring that any access to the Information is restricted to our
duly authorised employees, all of whom are fully trained and well-equipped to
handle your Information. Each of our said duly authorised employees is required
to adhere to our commitment herein and specifically to our dedication to
safeguarding the privacy of your Information at all times. Failure by our
respective duly authorised employees herein to comply with the same and
generally the terms of this Privacy Policy shall be met with utmost strict
disciplinary action.
It is our policy
to ensure that adequate and stringent security controls, measures and protocols
are employed to safeguard the privacy of your Information, all of which shall
continue even after whatever contractual relationship between you and us has
come to an end. While we shall use our best efforts to ensure that the privacy
of all Information is kept secure, it is an accepted fact that no data
transmission conducted over the Internet can be guaranteed to be wholly secure.
Further thereto,
we shall neither be held responsible nor liable for any damages or losses which
you may suffer, whether directly or indirectly, as a result of the said
Information being stolen, tampered with, copied, abused, misused or otherwise
violated.
Further
information on the security controls, measures and protocols which we have
employed herein are specified and elaborated upon in our Security Arrangement, which we trust you will read and understand.
We shall, at all
times, endeavour to safeguard the privacy of your Information and accordingly,
we do not disclose the same to any third party or external organisations.
Notwithstanding this and for the purposes of helping us serve you better, your
non-banking and non-financial information may be provided to our third party
vendors, advertisers, affiliates or relevant third parties subject to your
consenting to the same. Further thereto, where such non-banking and
non-financial information is provided to these entities, we shall take all
reasonable efforts to ensure that they comply with the same standards
regulating the privacy of your Information as that which is imposed by us. Nevertheless,
should you wish at anytime to withdraw your consent
and you do not want your non-banking and non-financial information being
further disclosed to these entities or do not want to be solicited for further
products or services which are offered by us or them, please notify us
accordingly via electronic-mail or post at the contact addresses as specified
in section 9 below.
Notwithstanding
the generality of this Privacy Policy and while we shall, at all times,
endeavour to safeguard the privacy of your Information, we may nevertheless
disclose your Information to other entities where such disclosure:
1. is requested or
authorised by you or any other persons purporting to be you upon the
satisfactory verification of identity by us in accordance with our prevailing
procedure;
2. is used for the
purposes of processing, completing, verifying or restricting any application,
instruction or transaction made by you;
3. is necessary to
provide you with the products and services offered or made available by us, our
affiliates or by third parties as subscribed to or requested by you;
4. is made to
Central Bank, the Central Credit Unit or any other body or authority
established by Central Bank, pursuant to its request;
5. is made to
verify the existence and conditions of your account(s) for a third party such
as a credit bureau or merchant;
6. is lawfully
permitted or required;
7. is in compliance
with any judicial order or legal requirement;
8. is required to
protect and defend us and our property; and
9. is required to protect the interests of the public including
but not limited to the detection of crimes and the apprehension of criminals.
While you are
neither bound nor obligated to provide us with any of your Information, your
choice not to do so (whether due to your disagreement with the methods employed
by us to safeguard the privacy of your Information or otherwise) may result in
you being prohibited from accessing or making full use of our products and
services, neither of which shall render us responsible or liable therefor.
We acknowledge
that the accuracy of your Information provided to us is essential, among
others, to the provision of our products and services to you. Accordingly, it
would be in your best interests to ensure that whatever Information which you
provide to us is, at all times, accurate, complete, current and true.
For this
purpose, you are encouraged to help us maintain accurate records of your
Information by notifying us of any changes to the same so that we may amend or
update your Information where necessary. Should you also have any other queries
concerning your Information or its accuracy, or have reasons to believe that
your records with us are inaccurate, incomplete or has not been updated, please
inform us accordingly. Any such notification or queries can be made by
contacting our Helpdesk or emailing us, at the contact number and address in
the last section.
At
Malayan Banking Berhad, we are committed to ensuring that the standards of our
products and services provided to our customers under the www.maybank2e.com
website is at all time, reliable, of high quality and in accordance with our
client charter set out below.
We shall, at all
times, use our best efforts in ensuring that our products and services, all of
which are offered by us or our third party vendors, are dependable, reliable
and secure. We also endeavour to ensure that all the necessary computer and
network security standards including high-end access and authentication
protocols are installed as well as employing the use of firewalls at strategic
points, all of which are engaged to protect, secure and safeguard the integrity
and privacy of any transactions which you may enter into with us.
We recognise the
fundamental importance of public trust and confidence in our products and
services. Accordingly, we have made it our policy to respect, maintain, protect
and safeguard, at all times, the privacy of your personal, banking and
financial information as well as any other information in respect of or
pertaining to the same ("Information") which you have disclosed,
shared, exchanged or otherwise provided to us.
Pursuant to our
objectives above, we have set out certain principles regulating the privacy of
your Information, all of which are specified and elaborated upon in our Privacy Policy, which we trust you will
read and understand.
We believe that your
comfort and satisfaction is of paramount importance to us and for these
purposes, we are responsive and at all times welcome your suggestions and
comments in respect of the same. Pursuant thereto, we endeavour to use all
practicable methods in providing you with reliable and high-quality services,
among which include using high-end hardware, equipment and software, engaging
qualified & trained personnel as well as employing business methodologies
which are in compliance with the requirements of Central Bank.
We are committed
to ensuring the transparency of our products and services at all times and
pursuant thereto, we shall not in the provision of our products and services
engage in conduct which is deceptive, fraudulent or otherwise misleading. We
shall also ensure, to the best of our ability, that any and all
representations, statements and assurances which are made or provided by us
with regards to our products and services are at all times accurate and true.
We, at all
times, welcome and encourage you to raise any inquiries, feedback, comments,
suggestions, concerns or complaints which you may have in respect of our
products or services, which we, on our part, shall use our best efforts to
promptly attend to and where needed, to render the necessary action in respect
of the same.
For this purpose,
please do not hesitate to contact our Helpdesk:
Malaysia |
Telephone |
1-300-88-7788 +603 – 7844
3015 (overseas) |
Email |
||
Philippines |
Telephone |
1800-10-588-3838 +632 8588 3838 (overseas) |
Email |
||
Singapore |
Telephone |
+65-6720 3720 |
Email |
||
Cambodia |
Telephone |
+855 98 888 028 +855 99 888 028 (overseas) |
Email |
||
Vietnam |
Telephone |
+8424 38241799 / +8428 38278166 |
Email |
||
China |
Telephone |
+86 40082109 32 |
Email |
||
Hong Kong |
Telephone |
+603-7949 0616 (overseas) |
Email |
Malayan Banking Berhad