myBSN - First Time Registration - Bank Simpanan Nasional

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First Time Registration
Please read the Terms & Conditions below to register as BSN Internet Banking user.



Terms & Conditions
MYBSN TERMS & CONDITIONS THE FOLLOWING TERMS AND CONDITIONS APPLY TO YOUR ACCESS AND USE OF MYBSN INTERNET BANKING SERVICES UNDER THE DOMAIN NAME www.mybsn.com.my AND USE OF BSN'S MOBILE BANKING APPLICATION (collectively referred to as MYBSN) AND THE SERVICES PROVIDED THEREIN BY BANK SIMPANAN NASIONAL (BSN). YOUR USE OF INFORMATION, GRAPHICS AND MATERIALS ON MYBSN IS ALSO GOVERNED BY THESE TERMS AND CONDITIONS. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING ANY PAGE ON MYBSN AND/OR USING ITS SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS WITHOUT LIMITATION OR QUALIFICATION. THESE TERMS AND CONDITIONS WILL BE BINDING ON YOU IMMEDIATELY UPON YOUR USE OF MYBSN. IF YOU DO NOT ACCEPT ANY OF THESE TERMS AND CONDITIONS, PLEASE IMMEDIATELY DISCONTINUE YOUR ACCESS TO MYBSN AND/OR USE OF ITS SERVICES. 1. General 1.1. You may apply for access to myBSN at any time, subject to BSN's sole and absolute discretion whether to reject or accept your application. Should BSN reject your application, BSN is not obliged to provide any reason for such rejection or to respond to any request for information for such rejection. 1.2. All transactions, products and services available on myBSN are subject to their respective terms and conditions and/or applicable agreements ("Product Terms"), which can be accessed via BSN's Website. These Terms and Conditions are meant to regulate your access to myBSN and should be read together with the Product Terms. In the event of conflict between these Terms and Conditions and the Product Terms, the Product Terms will take precedence. 1.3. The information, material, products and services described or offered in myBSN are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject BSN to any restriction within such jurisdiction or country. 1.4. Notwithstanding anything herein contained, BSN reserves the right to amend any of the provisions stated herein at any time, upon giving not less than twenty-one (21) days' notice, unless otherwise required by law or regulatory direction, by posting at myBSN, BSN's Website, by post, by notification in the mass media, by posting the notice at BSN's branches, by electronic transmission and/or any other method of communication that BSN thinks appropriate. Any variation, addition, deletion or amendment to the provisions herein shall be binding on you and the Bank is deemed to have brought these changes to your attention through the issuance of such notice. All previous Terms and Conditions shall be revoked and wholly superseded by the latest Terms and Conditions. Your continued access or use of myBSN after such changes are published constitutes your acceptance of the amended Terms and Conditions. You are advised to access BSN's Website on a regular basis to ensure that you are up to date with any variation made to these Terms and Conditions. 2. Definitions and Interpretation 2.1 In these Terms and Conditions, unless the context otherwise requires: "Account" or "Account"(s) means one or more of your savings, current, credit card, loan, investment, fixed deposit or any other accounts with BSN and which may be accessed via myBSN as may be determined by BSN from time to time. "Acknowledgment Page" means the confirmation of the Instruction and/or Transaction. "Affiliate" means any merchants or entity offering products, services, content and information on myBSN. "APK file" means Android Package Kit or an Android Application Package or Android Package referring to the file format used by Android operating system. "Bank" / "BSN" / "we" / "us" / "our" means Bank Simpanan Nasional, an organization incorporated under the Bank Simpanan Nasional Act 1974 and having its head office at Wisma BSN, 117, Jalan Ampang, 50450 Kuala Lumpur, and include its subsidiaries, its successors in title and assigns either individually or collectively as the context requires. "Bill" means the latest bills, renewal notice and/or payment demand issued by the Payee Corporation for the use or purchase of goods or services by you from the Payee Corporation. "BSN's Website" means the Bank's official website that is www.bsn.com.my. "BSN Secure" means a secure method to authorize transaction on myBSN replacing SMS TAC which is prompted on your Mobile Application. "Business Day" means any day from Monday to Friday on which BSN is open for business in Kuala Lumpur, Malaysia, but does not include any public holiday. "Confirmation Page" means the page on myBSN which provides the details the Instruction and/or Transaction for your review and confirmation. "DuitNow ID" means DuitNow identifier. "Force Majeure Event" means events resulting directly or indirectly from the action or inaction of any governmental or local authority or any strike, boycott, blockade, act of God, civil disturbance, pandemic, epidemic or cause beyond the control of the Bank. "Instruction(s)" means instruction performed or effected by you or person purporting to be you, electronically or otherwise, in respect of your Account(s) or any other Transaction using myBSN. "Internet" means the global network of computer networks that facilitate communication between the Customers' computer or any similar devices and BSN's servers, to perform transactions between you and BSN. "myBSN" means, collectively: (1) The BSN's internet banking website which can be found at www.mybsn.com.my that is accessible via the Internet ("Internet Banking"); and (2) The BSN's mobile banking application called myBSN ("Mobile Application"). "myBSN Banking Services" means the Banking Services and any other products and services, which you may access through myBSN, upon the correct input of your Username and Password. "myBSN Banking ID" means a unique name made up of a string of characters chosen by you which must be keyed in by you together with your Password in order to gain access to myBSN. "Multi-Factor Authentication" means an authentication method that requires the user to provide two or more verification factors to gain access to a resource such as an application or online account. MFA is a core component of a strong identity and access management (IAM) policy. MFA requires one or more additional verification factors, which decreases the likelihood of a successful cyber-attack. "OTP" means One Time Password. "Password" means a password or code that is used to authenticate the identity of a customer and to authorize an Instruction and/or Transaction. A password may consist of numbers, letters, a combination of both, or a phrase. Examples of pass code include password, BOSS Code, Personal Identification Number (PIN) and/or code generated by a security device. "Payee Corporation" means all products and service providers, or any business entity listed in myBSN Bill payment screen for the purpose of enabling a Customer who is an Account holder to pay their bills via myBSN. "Personal Data" means the meaning given under the Personal Data Protection Act 2010. "PIN" means the Personal Identification Number. "Product Terms" means the terms and conditions and/or applicable agreements of the relevant Account(s) and/or Third-Party Account(s) and/or transactions and/or BSN product(s) and/or BSN services which may be accessed through myBSN or BSN's Website. "QR Code" means Quick Response Code. "Ringgit Malaysia" / "RM" means the lawful currency of Malaysia. "Safe Switch" means self-service security feature that protects your funds from online scams and enhances the online banking security. "Scan & Pay" means you can scan the QR code and make payment to the Merchant without having to enter merchant account details. "SMS TAC" means Short Message/Messaging Service Transaction Authorization Code, which is an authorization method that is sent to your mobile device via SMS. "Terms and Conditions" means these terms and conditions for myBSN as may be varied or modified from time to time. "Third Party Account(s)" means your other account(s) maintained by BSN or other bank(s), Affiliates, Payee Corporations, or other third parties which you can make fund transfer either within BSN or outside BSN. "Transaction(s)" means all the transactions debited from myBSN including those for fund transfers, the purchase of goods, obtaining services, bill payment and payments to merchants. "Transaction Record" means the confirmation of the receipt and/or execution of an Instruction initiated by you through myBSN. "You" / "Your" / "Customer" means the person who is registered under a full name and identification number as the authorized user to use myBSN. 2.2 In these Terms and Conditions unless otherwise expressly provided: (a) Words denoting one gender include all other genders and words denoting the singular include the plural and vice versa; (b) Words denoting persons shall also include their respective heirs, personal representatives and successors in title or permitted assigns; (c) Words denoting the singular shall include the plural and vice versa; (d) Any reference to a sub clause, clause or party is to the relevant sub clause, clause or party of and to these Terms and Conditions and includes all amendments and modifications made to these Terms and Conditions from time to time in force; (e) Any reference to a statutory provision includes any modification, consolidation or re-enactments for the time being in force and all statutory instruments or orders made pursuant thereto; (f) The headings in this Terms and Conditions are inserted merely for convenience of reference and shall not affect the interpretation of the provisions herein contained. 3. Disclaimer of Liability 3.1. The information and materials on myBSN, including but not limited to services, products, information, data, text, graphics, audio, video, links or other contents, are provided by BSN "as is" and is subject to availability. The said information is subject to the Product Terms and materials are strictly meant for your reference only, and shall not, at any time whatsoever, be assumed to be intended for any business or commercial purposes or to constitute an offer or solicitation and/or the giving of advice in respect of investment, financial or banking services by BSN. BSN reserves the right to amend or remove any or all the materials and information at any time at its absolute discretion. 3.2. BSN does not make any express or implied warranties, or representations-including but not limited to any warranties of title, non-infringement, merchantability, usefulness, operation, completeness, accuracy, currentness, satisfactory quality, reliability, fitness for a particular purpose-regarding the information, myBSN platform and/or its functions. Neither BSN nor any other parties involved in the creation, production or delivery of our services assume any responsibilities with respect to your use thereof. BSN also expressly disclaims any liability for errors or omissions in such materials, information and/or functions. BSN excludes any warranties, undertakings or representations to the extent permitted under the applicable law, that myBSN or any part of the content or materials, accuracy, availability or completeness of the content of myBSN or any part of the contents are appropriate. This exclusion clause shall take effect to the fullest extent permitted by law. 3.3. That said, without limiting the above or the Product Terms, BSN will take reasonable steps to ensure the accuracy and validity of all information related to its transactions, products and services. 3.4. BSN does not guarantee that access to myBSN (whether in whole or in part) or the information and functions within it will be uninterrupted, error-free, or that any issues will be promptly fixed. We also cannot ensure that there will be no delays, failures, errors, or loss of transmitted data, or that viruses or other harmful elements won't be present when you access myBSN. BSN is not responsible for any damage that may occur to your computer system or mobile device as a result. 3.5. You are solely responsible for evaluating the quality, adequacy, and completeness of all products, services, content, and other information obtained or accessible on myBSN. You are advised to seek further professional advice and obtain independent verification of the materials and information provided on myBSN prior to making any investment, business or commercial decision. The information or advice whether oral or written given by BSN, its staff or its Affiliate does not represent a warranty and your acceptance of such information advice is based on your own judgment. 3.6. You hereby agree and acknowledge that BSN shall not 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 delay or error or the inability to access or use myBSN (or any third party link to or from myBSN), reliance on the information available on myBSN, any technical, hardware or software failure of any kind, the interruption, error, omission, delay in operation, computer viruses, or otherwise. 3.7. You agree that the Safe Switch feature may automatically or manually disable, suspend, or limit access to your myBSN account or transaction services as a security measure. You further acknowledge and consent that reactivation will require identity verification through the Bank's Contact Centre or branch. To the fullest extent permitted by law, the Bank shall not be liable for any loss, delay, inconvenience, inability to transact, or consequential damages arising from: a. By enabling, disabling, or configuring Safe Switch; b. the Bank's activation of Safe Switch or other security controls in response to suspected fraud or unauthorized access; or c. any suspension, restriction, or blocking of transactions triggered by this feature. 3.8. By accessing or utilizing myBSN, you hereby provide your consent for us to access the device(s) on which myBSN is installed, together with any associated software (including but not limited to cookies, log files, device identifiers, and clear GIFs), hardware, and peripherals, which may include data transmitted or made available through the device's touch screen, audio functions, microphone, or camera. Access will only occur with your consent and for security or for the functionality of myBSN. You will not hold BSN liable if your information is used by a third party to open or register the myBSN Mobile Application due to identity theft except where BSN's gross negligence or willful default contributed to the issue. 3.9. BSN will not be liable for any losses or damage caused to you arising from any act or omission on the part of a merchant including refusal by the merchant to accept the payment or any defect or deficiency in any goods or services provided by the merchant. You will resolve all complaints, claims and disputes against the merchant directly with the merchant and not through BSN. BSN shall not be liable for any payment remitted to the merchant notwithstanding any claim and/or dispute that you may have against the merchant. Where there is a dispute regarding a Transaction, the amount deducted for payment towards the disputed Transaction will not be refunded unless BSN determines after an investigation that you are not liable for the disputed Transaction. You shall absolve and exempt BSN from all liability whatsoever if the payment is not accepted by any merchant. 3.10. BSN shall not be liable to you or any third party for any inconvenience, injury, expense, liability, damages, loss of profits, earnings or goodwill if: a. BSN is unable to perform any of BSN's obligations hereunder or to provide any of the services as contemplated herein due to Force Majeure events; and/or b. If funds credited or debited from the Account becomes inaccessible or diminish in value due to Force Majeure events; and/or c. If the myBSN Mobile Application or the myBSN Banking Services becomes inaccessible due to Force Majeure events. 4. Your Obligations 4.1. You hereby agree that BSN's records of all information in respect of all Transactions, Instructions, communications, operations or Transactions made or performed or effected by you or person purporting to be you through myBSN and any record of Transactions relating to the operation of any of our services shall be binding and conclusive on you for all purposes whatsoever and shall be conclusive evidence of the Transaction and your liability to BSN. 4.2. You agree that BSN reserves absolute right to require you to maintain a minimum balance at any one time in your Account(s) where applicable under the Product Terms for your Account(s). Any failure to maintain such a minimum balance may, at BSN's discretion, result in a penalty being imposed on your Account and may lead to a suspension or termination of your Account or your access to myBSN or myBSN Banking Services. 4.3. You agree that BSN has the right to change any relevant cut-off time for the Instruction and/or Transactions through myBSN. Any Instructions and/or Transactions transmitted by you after the relevant cut-off time on any day will be posted in the books and records of BSN on or for the next Business Day following the date of the Instruction or Transactions. 4.4. You are not entitled to use myBSN if there are any restrictions whatsoever in your Account(s) either imposed by BSN or by any relevant authorities. 4.5. You agree not to use myBSN for any unlawful, fraudulent, or abusive purpose, including but not limited to unauthorized access, data scraping, or interference with system operations. BSN reserves the right to suspend or terminate access if such activities are detected. 4.6. You agree to abide by any legal or regulatory requirement and will disclose all required information to BSN as and when necessary and required to satisfy any legal or regulatory requirements. The information you disclose should be deemed to be accurate and final for BSN to process the Transaction. You agree that BSN has the right to hold any funds residing in myBSN to ensure compliance with relevant regulatory requirements and BSN reserves the right to debit your Account(s) in the event of non-compliance with the relevant legal or regulatory requirement. 4.7. You agree to regularly review the Transaction Record including all statements and records pertaining to any Instruction or Transaction made or performed, processed or effected through myBSN in a timely manner and on a regular basis and BSN shall not be held liable for any mutilation, interruptions, omission, errors, delay or from its non-receipt or misinterpretation of your Instruction. 5. Devices and Network Access 5.1. You acknowledge that the security of the devices used to access myBSN is beyond BSN's control and you agree to keep your device updated with the latest security patches and antivirus software. You agree that it is your obligation for installation, maintenance and operation of your computer terminal or other similar devices in a manner that does not present any opportunity for any third party to access your personal information. You are advised to refer and comply with BSN's Security Statement which can be accessed via BSN's Website, which outlines recommended practices for secure access and usage of BSN's digital services. 5.2. You agree to purchase, install and maintain the software or applications used in accessing myBSN at your own cost and expense. You are responsible for all the telecommunication charges, data and any other related charges incurred through your use of myBSN, including those imposed by your network service provider and/or any other third parties. 5.3. BSN shall not be liable for any interruption, delay, or failure in accessing myBSN due to issues related to your device, internet connection, or network service provider. 5.4. You agree not to use any device, software, or process to interfere with or attempt to interfere with the proper functioning of myBSN. Any unauthorized access or use of myBSN may result in suspension or termination of your access and may be subject to legal action. 5.5. You acknowledge that accessing myBSN through public or unsecured networks may expose your data to security risks. BSN strongly advises against using myBSN on unsecured or public devices and networks. 5.6. You agree to promptly report to BSN any suspected security breach, unauthorized access, or suspicious activity related to your myBSN usage, in accordance with the procedures stated in BSN's Security Statement which can be accessed via BSN's Website. 5.7. You shall not install or use myBSN on a jail-broken or rooted device and you shall not allow unauthorized modifications to any device's operating systems ("jail-breaking or rooting") that essentially bypasses security features of myBSN that may cause numerous security issues. BSN strongly cautions against installing or using myBSN on any such devices and is cautious when downloading APK files from third-party sources to avoid malware. BSN reserves the right to block access if such devices are detected. For avoidance of doubt, BSN shall not be liable for any losses suffered or for any costs that you might incur due to your use of damaged or corrupted or failure of jail-broken or rooted device, hardware or software that you use in connection with the Transaction carried out through myBSN Mobile Application. 6. Access To myBSN 6.1. You are required to register and create a PIN via the Automated Teller Machine (ATM) or any other channel made available by BSN from time to time and complete multi-factor authentication as required by BSN. During your first login to myBSN, you are required to create a Username and Password, and to fill in certain information required. Upon the successful authentication of your PIN and confirmation of registration by BSN, your access to myBSN will be deemed activated. 6.2. After successful authentication of your Username and password, all Instructions or Transactions issued thereafter shall be attributed to the Customer notwithstanding that such access, Instruction or Transaction may have been made by a third party whether authorized or unauthorized. Upon your successful registration, BSN reserves the right to determine the scope of functions, services and Account(s) that will be made available to you in myBSN. 6.3. BSN reserves the absolute right to deny any registration or to suspend access to myBSN without any prior notification or obligation to provide reason and information. You agree not to hold BSN liable for any consequences or losses that you may suffer as a result of your inability to access myBSN due to any reason. 6.4. Once you have logged into myBSN, you must not leave the device unattended or let anyone else use it until you have logged off, failure to comply may result in suspension of access for security reasons. You are responsible for ensuring that you have logged off at the end of each session. 6.5. You must immediately notify BSN if you suspect any unauthorized access, misuse of your Account, or compromise of your login credentials. BSN will take reasonable steps to secure your Account upon receiving such notification but shall not be liable for any loss incurred prior to the report. 6.6. You agree that BSN will use your Username and Password to identify you and you shall keep both your Username and Password secret and secure. You will take reasonable steps and precautions to prevent unauthorized access and/or use of and not to disclose your Username and Password to any unauthorized person. You shall notify BSN, in writing, immediately of any attempt/unauthorized Transaction and you will be responsible for any Transaction or use of myBSN. 7. Use Of myBSN 7.1. Upon successful login to myBSN, you agree that BSN reserves absolute right to determine the scope of myBSN Banking Services available to you. BSN may add, suspend, limit, and amend any functions or services made available through myBSN with reasonable prior notice where such changes materially affect your usage. 7.2. You agree to access or transact Account(s) that legally belong to you. In the event that you are able to access any account that does not belong to you, whether due to system error or otherwise, you shall be fully liable for any unauthorized Transaction performed by you and you will indemnify BSN for all consequences arising from such access or Transactions. You should ensure that your Account(s) have sufficient funds before performing any Instructions or Transactions via myBSN. BSN has the right to reject any Transaction due to the insufficient funds in your Account(s). 7.3. In the event your Account(s) is overdrawn because of your Instructions or Transactions being carried out via myBSN, you agree to repay the overdrawn amount with the interest or charges incurred by BSN in accordance with the applicable Product Terms for your Account(s). You further agree that BSN may debit your Account(s) immediately upon completion of each Transaction, including any approved fees or charges. 7.4. You will be liable for all transactions affected through myBSN and the username and password whether performed with or without your knowledge or authority. Upon discovery of your unauthorized transactions, you are advised to lodge a police report and extend a copy to us. 8. myBSN Mobile Application 8.1. The myBSN Mobile Application is available for download on both iOS and Android devices. You have the option to download the myBSN Mobile Application from the AppStore for iOS devices, the Google Play Store for Android devices or the Huawei App Gallery for Huawei devices. BSN shall not be liable for any security risks arising from downloads via unauthorized sources. 8.2. To enjoy optimum user experience of the myBSN Mobile Application, you are advised to use the latest and most updated operating system for the device on which you install the myBSN Mobile Application. Any minimum system requirements required for the myBSN Mobile Application will be notified by BSN by giving a seven (7) day notice prior to such amendment, variation, deletion or addition by posting at BSN's Website and/or BSN official social media page, by post, by notification in the mass media, by posting the notice in BSN's branches or by electronic transmission or any other method of communication that BSN think appropriate. The myBSN Mobile Application shall only be available for the device and data connections which meet the required specifications and configurations as may be specified by BSN from time to time, and you agree to procure and maintain a device and data connection which meet these requirements at your own expense. 8.3. BSN will require your permission to access certain functions of your device(s). These include biometric, face identification, location for security purposes, notification to allow notifications to be sent to your device(s), photos or media for QR sharing. If you choose not to allow access, your use of the myBSN Mobile Application may be affected. 8.4. You must have a valid myBSN Banking ID in order to use the myBSN Mobile Application. For First Time Registration you may create your myBSN Banking ID by visiting myBSN Internet Banking. 8.5. Upon successful registration, your access to the myBSN Mobile Application and myBSN Internet Banking will be deemed to have been activated subject to these Terms and Conditions. 8.6. You must be above the age of eighteen (18) years upon application and/or registration of myBSN. In the event that you are below the age of eighteen (18) years ("minor"), you must obtain the consent of your parent and/or legal guardian to use myBSN. Your use of myBSN is an acknowledgement to BSN that you have obtained the prior consent of your parent and/or legal guardian. These Terms and Conditions will be applicable to your parent and/or legal guardian in substitution of the applicability of these Terms and Conditions on you. Where consent is obtained from a parent/legal guardian, such guardian shall assume full responsibility for the minor's use. 8.7. You acknowledge and agree to subscribe to receive notification service via myBSN Mobile Application from BSN upon the application and/or registration of the myBSN Mobile Application. You may opt out of non-essential notifications via settings in the myBSN Mobile Application. 8.8. All individuals with a myBSN Banking ID can use the myBSN Mobile Application with their existing Username and Password. You may also use the myBSN Mobile Application if you do not have an existing myBSN Banking ID by signing up for an Account. 9. Authorization 9.1. You hereby authorize BSN to comply with all Instruction(s) or perform the Transactions given in respect of myBSN including but not limited to authorizing BSN to transfer funds, withdraw funds, deliver, dispose of or deal with any securities, documents or other properties subject to system availability, applicable Transaction limits, and regulatory requirements. 10. Instructions 10.1. You hereby agree that any Instruction(s) or Transaction(s) received by BSN after the successful use of your Username and Password shall be deemed authorized by you and shall be binding on you upon its transmission. BSN is not obliged to verify the authenticity of such Instruction and the persons giving the Instruction(s). In the event that someone purporting to be you, whether authorized or otherwise, access to myBSN and give any Instruction(s) to BSN, you agree that this Instruction(s) or Transaction(s) shall be deemed to have been issued by you and in such circumstances, BSN shall not liable for any loss which may be incurred or to be incurred by you. 10.2. BSN reserves the right, without having to assign any reasons, to refuse to act on any of your Instruction(s) or Transaction(s) given to BSN where your Instruction(s) or Transaction(s) are inconsistent with BSN's policy or any other reasons whosoever. You agree to regularly review the Transaction Record pertaining to any myBSN Transactions and BSN shall not be held liable for any omission, errors, delay, or misinterpretation of your Instructions or Transaction(s). 10.3. Should you have any reason to believe that an Instruction(s) or Transaction(s) has not been accurately or completely received by BSN, was wrongfully made or there is an unauthorized Instruction or Transaction, you shall inform BSN by telephone or another channel for reporting via myBSN (secure message) and/or by email to our Customer Service Centre or visit any of BSN's branches immediately after transmission of the relevant Instruction(s) or Transaction(s). BSN shall not be obliged to reverse or cancel any Instruction(s) or Transaction(s) unless required by law or regulation, or unless the receiving bank agrees to such reversal, which shall be subject to BSN's policy and procedure. 10.4. BSN may, at its discretion, require additional confirmation or verification for certain Instructions, including high-value Transactions or changes to account settings. Failure to provide such confirmation may result in the Instruction being delayed or rejected. 10.5. You agree and accept that any Instruction or Transaction which you may issue shall at all times be subject to such reasonable limits and conditions as may be fixed or specified by BSN from time to time. In cases which involve or require the consent or approval of third parties, BSN's obligations to perform any Instructions or Transaction would be subject to such consent and approval being obtained by you. 10.6. You shall ensure that your Account has sufficient funds before performing any Instruction or Transaction via myBSN. BSN has the right to reject any Instruction or Transaction due to the insufficient funds in your Account. 10.7. BSN reserves the right, without having to assign any reasons, to refuse to act on any of your Instruction(s) given to BSN where your Instruction(s) are is inconsistent with BSN's policy or laws or any other reasons whosoever. 11. Availability Of Service 11.1. myBSN is intended to provide 24-hour access throughout the year. However, you acknowledge that myBSN does not warrant availability at all times and may not be accessible at certain window of time due to system maintenance or any other reasons beyond BSN's control. 11.2. You agree that BSN has its absolute rights to withdraw, suspend or modify any of the existing services without any prior notice or reason and BSN shall not be liable for any loss which you may suffer as a result from such action(s). 11.3. BSN may schedule routine or emergency maintenance for myBSN, which may result in temporary service disruptions. Where feasible, BSN will issue notification in advance via myBSN, BSN's Website or other communication channels. 11.4. You agree that BSN reserves the absolute right at any time to determine the scope, feature and functionality of the myBSN and the myBSN Banking Services available therein. You agree and acknowledge that certain myBSN Banking Services, functions and/or Account may not be available on myBSN and these may or may not become available in the future. 12. Account Information 12.1. You agree that all your information provided to myBSN is true, complete and updated. In the event that there are any changes to your information and details, you shall notify BSN immediately. Failure to update may result in suspension of access or rejection of transactions. BSN does not warrant the accuracy of any information pertaining to your Account(s) or Transaction reported via myBSN. 12.2. You agree and acknowledge that any information pertaining to your Account(s) may not be completely up to date and your Account(s) balance or Transaction reported through myBSN shall not for any purpose whatsoever is taken as conclusive of the status of your Account(s). BSN will issue to you such statements of account which lists the Transactions performed based on your Instruction as agreed in BSN's Product Terms. 12.3. You are responsible for reviewing your Account(s) information regularly and notifying BSN immediately of any discrepancies, errors, or unauthorized Transactions. Failure to do so may affect your rights to dispute such Transactions. 12.4. Access to Account(s) information via myBSN is provided for your convenience. BSN shall not be liable for any loss or damage arising from reliance on information that is outdated, inaccurate, or incomplete due to system delays, maintenance, or technical issues. 12.5. You agree and acknowledge that BSN shall not be liable for and that you shall indemnify BSN for any loss or damage that may arise due to your failure or delay to keep BSN updated as to any changes to your information and details pertaining to you, your Account or your use of myBSN. 13. Bill Payment 13.1. You agree that the list of Payee Corporation(s) offered by myBSN is subject to change at any time without prior notice. BSN shall not be liable for any loss or damage, whether directly or indirectly, as a result of such changes. 13.2. You agree that BSN only acts as a collection agent for the Payee Corporation. All your Bill Payment may be subjected to the procedure, terms and conditions imposed by the Payee Corporation. BSN's role is limited to debiting your Account(s) and remitting the payment based on your Instructions. You hereby agree that BSN shall not be responsible for any rejection or failure of payment by the Payee Corporation due to any reason whatsoever. 13.3. In the event that your Account(s) has been debited for the Bill Payment but BSN has failed to remit the payments to the Payee Corporation on the due date, due to circumstances beyond BSN's control, you shall be liable for any losses whatsoever for such failure of payment unless it was due to BSN's gross negligence or willful default. You are responsible for monitoring and ensuring the timely payment of your bill and BSN shall not be responsible for any dispute between you and any Payee Corporation. 13.4. All bill payment Instructions or Transaction(s) submitted via myBSN are considered final and irrevocable once processed. BSN shall not be obliged to reverse or cancel any Transaction unless required by law or with the consent of the Payee Corporation or as permitted under applicable clearing rules. 13.5. You acknowledge that bill payments may take time to be reflected in the Payee Corporation's system. BSN shall not be liable for any late payment charges or penalties imposed by the Payee Corporation due to processing delays beyond BSN's control. 13.6. BSN shall not be liable for any failure or delay in bill payment Transactions due to system downtime, maintenance, network issues, or other technical disruptions. 14. Fund Transfer 14.1. Transferring funds from your Account(s) or to your own Account(s) maintained with BSN or to your third-party Account(s) or to any other account with any other bank shall be affected immediately, subject to myBSN system availability and applicable Transaction limits. BSN reserves the right to impose any limitations, terms and conditions for any Fund Transfer services at its sole discretion or as required by relevant authorities. 14.2. You may perform fund transfers via myBSN by following the steps displayed on the app, which include: a. Confirmation Page-the page that provides the details of your Instruction and/or transaction for your review and confirmation. b. Acknowledgement Page-to verify that the payment which is made pursuant to the Confirmation Page has been successfully processed. c. BSN Secure-to authenticate and secure the transaction. By proceeding, customers agree to follow the steps and ensure the accuracy of the fund transfer information. 14.3. You acknowledge and agree that BSN shall not be liable for any delay, rejection, or failure in fund transfers to accounts held with other banks via myBSN, where such issues arise due to conditions, limitations, or processing requirements imposed by the receiving bank or any intermediary involved in the Transaction. 14.4. You are solely responsible for ensuring the accuracy and completeness of all information entered during a fund transfer Transaction, including but not limited to the recipient's account number, bank name, and transfer amount. BSN shall not be liable for any loss or damage arising from incorrect or incomplete information provided by you. 14.5. You may perform fund transfers via myBSN using the following methods: a. Own Bank Transfer-transfers to another BSN account b. IBG (Interbank GIRO)-transfers to accounts in other banks in Malaysia, processed in batch at scheduled times. c. DuitNow-real-time transfers to accounts or proxy (eg. Phone number, IC Number, Business Reg No., in other banks in Malaysia. You are responsible for ensuring the accuracy of the recipient's details before confirming any transfer. 14.6. Subject to Clause 10.3 once a fund transfer Instruction has been submitted, it is deemed final and irrevocable. BSN shall not be obliged to reverse or cancel any Transaction unless required by law or regulation, or unless the receiving bank agrees to such reversal. 15. DuitNow ID 15.1. DuitNow ID is an identifier which will be used to register your account numbers. Registration and use of DuitNow ID shall be subject to DuitNow Terms and Conditions and Bank Negara Malaysia guidelines. You can register one DuitNow ID to one account e.g. your mobile number to your Savings Account and your NRIC to your Current Account. The list of DuitNow ID are as follows: a. Mobile Number; or b. NRIC, Army or Police Number; or c. Passport Number; or d. Business Registration Number. 16. QR Payment 16.1. By using the QR Service, you can initiate payments from your eligible Account to a Payee by scanning the Payee's QR Code using the myBSN Mobile Application installed on your device. 16.2. These Terms are part of the broader set of terms governing your banking relationship with us (referred to as the Relevant Terms). In the case of any inconsistency concerning QR Services, these specific Terms take precedence over the Relevant Terms. Your agreement, access, or use of the QR Service, or any part thereof, implies your acceptance and commitment to abide and adhere by these Terms which shall be read and construed together in conjunction with the Product Terms. If you choose not to accept these Terms or any subsequent amendments, kindly refrain from proceeding and promptly cease your access and/or use of the QR Service. 16.3. By making a Transaction using the QR Service, you are granting authorization for the payment to the QR Payee. It is understood that the QR Transaction will be executed, and the QR Transaction amount will be debited from your Account. Additionally, you are accountable for ensuring the accuracy of details in each QR Transaction authorized by your entry of the QR PIN. 16.4. You assume liability for all QR Transactions debited from your Account via the QR Service, whether authorized by you or mistakenly authorized by you. The use of the QR Service on electronic equipment that you know, or suspect has compromised security or integrity, such as a "jailbroken" or "rooted" device, is strictly prohibited. You will be held solely responsible for any losses, damage, and expenses incurred due to your use of the QR Service on compromised electronic equipment. 16.5. To utilize the QR Service, your default daily limit is set at up to RM50,000 which is combined limit with Interbank GIRO (IBG), DuitNow Transfer, DuitNow Request-to-Pay (Approval) and DuitNow QR Transfer. Additionally, you have the flexibility to establish your cumulative limit for Scan & Pay transactions without inputting a password, provided it does not exceed RM250. For future adjustments to these limits, please log in to your account on the myBSN website, navigate your profile, and make the necessary changes. 16.6. It is essential to allow access to the myBSN Mobile Application to take pictures and retrieve images from your photo gallery to facilitate the QR functionality. 16.7. There are two types of QR codes: a. Dynamic QR Code: It has the merchant's account details and transaction amount embedded to it. You may scan it without entering the purchase amount. b. Static QR Code: It has the merchant's account details. You must enter the amount after scanning the code. 17. Challenge Question 17.1. Challenge questions serve as an additional verification measure during transactions when required. For any transaction that triggers a step-up rule, the user will not be able to proceed if they do not know the correct answers to the challenge questions. These answers are confidential. This measure forms part of BSN's security and fraud-prevention controls to safeguard your account and ensure that only you are able to perform transactions. 18. Charges 18.1. Access to myBSN is currently provided free of charge. 18.2. However, you agree and acknowledge that BSN has the right to levy a charge for the same or any service(s) which may be provided by myBSN or any portion thereof at any time. We will inform you in advance before any such charges are applied. 18.3. You agree to remain liable for any fees or any charges imposed by BSN, service providers or any third party for connecting to myBSN. Subject to the Product Terms of your Account(s), you acknowledge that BSN reserves the right to debit , set off and consolidate your relevant Account(s) for any Government charges, stamp duties or taxes payable because of the use of myBSN services (if any). 18.4. Some services offered now or in the future may require you to register before using them. You agree that BSN may charge a fee for registration, access, or use of these services. We will notify you of any charges during registration, and by completing the registration or using the service, you accept and agree to those charges. 18.5. You agree that any Instruction are subject to such limits and conditions as imposed and/or revised by BSN or relevant authorities from time to time. 19. Disclosure Of Information 19.1. You hereby grant BSN consent and authorize BSN to collect, process, disclose, transfer, maintain, store and retain your Personal Data in accordance with the Personal Data Protection Act 2010 (PDPA) and our Privacy Policy. Personal Data under this Clause has the same meaning given under the PDPA ("Personal Data"). 19.2. By using myBSN, you grant us permission to access the device and associated software you use with myBSN. This includes technologies such as cookies, log files, device identifiers, and other data sources like your device's touchscreen, microphone, camera, and audio systems. We collect this technical information to enhance our services and improve the user's experience on myBSN. 19.3. If we identify any activity that could compromise myBSN's functionality or security, we may suggest specific changes to help you continue using myBSN. Should you choose not to implement these changes, you acknowledge that your continued use of myBSN may expose you to potential security risks, and you agree to release us from any responsibility related to such risks. In certain high-risk configurations, access to the application may be restricted. 19.4. You acknowledge that although BSN is committed to ensure that all information transmitted or received via myBSN is secure and inaccessible by unauthorized third parties, BSN does not warrant the security of any information transmitted via myBSN. Accordingly, you agree to accept all risks associated while using our services which information may be accessed by unauthorized third parties and agree not to hold BSN liable for any such unauthorized access or any loss or damage suffered as a result thereof. You agree that neither BSN nor any of its officers shall be liable for any loss or damage suffered as a result of disclosing or revealing of any information concerning your Account(s) with BSN. 19.5. BSN shall be entitled to disclose and you hereby authorize BSN and/or its officers to make use or disclose any information relating to you, your Account, your affairs, the facilities and/or any account whether under these Terms and Conditions or otherwise which you may have with BSN pursuant to Development Financial Institution Act 2002 and your Personal Data including but not limited address, telephone number or email address, in such manner and to such extent as BSN may at its sole and absolute discretion deem fit: a. To any merchant, any bank or financial institution for the purpose of processing any Transaction effected through the use of myBSN or any investigation of whatsoever nature to be made; b. For or in connection with any action or proceeding taken for the purpose of recovery of monies due and payable by you to BSN under these Terms and Conditions; c. To any party providing services or other professional advisers to BSN (including outsourcing vendors, debt collection agents, auditors, solicitors, agents, consultants); d. To the subsidiary of BSN provided that to whom such information is disclosed to and the purpose of such disclosure will be notified by BSN to you provided further that BSN shall take all reasonable care to ensure that such information shall remain confidential within BSN's group of subsidiaries; e. To any other third parties subject to your express consent to the same or if required by any Court order; f. To any authority or body established by Bank Negara Malaysia or any other authority having jurisdiction over BSN; and/or g. To any other party whosoever as BSN may for any request made in relation to legal, regulatory and/or statutory requirement. 19.6. You hereby further authorize BSN to procure any information from any person, organization, authority, company, corporation, court or any other entity as BSN may in good faith deem fit in connection with your Account(s) or the myBSN Banking Services and authorizes the disclosure by such person or entity of any information required by BSN. 19.7. You expressly consent to such disclosure and confirm that the terms contained therein shall be subject to the Privacy Policy which is accessible at BSN's Website. In the event of any inconsistency between the terms contained herein with the terms set out in the Privacy Policy, the terms and conditions in the Privacy Policy shall prevail. 19.8. You have the right to withdraw the consent given earlier according to the process as stated in the Privacy Policy. However, the withdrawal of your consent may affect the services provided by BSN to you. In such instances, BSN will have the right to not provide or discontinue the provision of any product, service, Account(s) and/or facility(ies) that is/are linked with such information by giving notice to you. 19.9. You agree that the disclosure of your information may be made available through Internet channels, BSN authorized personnel, its vendors, agents, and service providers that directly or indirectly provide services or support to BSN, provided such disclosure complies with and is permitted by applicable laws and regulations. 19.10. You hereby authorize BSN to make use of your Account(s) information for all legitimate purposes related to the provision of myBSN Banking Services , unless you specifically inform BSN in writing of your refusal to disclose your Account(s) information for any specific purpose. 19.11. You expressly grant BSN authorization and permission to divulge, reveal and/or otherwise disclose any and all particulars and information relating to you, your Account(s), or any Transactions or dealings between you and BSN: 19.11.1. To provide services relating to your Account(s) or to offer other facilities, products, and services unless you duly inform BSN otherwise. 19.11.2. To any of BSN's subsidiaries, Affiliate, business partners, and/or any other persons to the extent necessary to complete, verify, or restrict a Transaction or Instruction. 19.11.3. To verify the existence and condition of your Account(s) for a third party such as a credit bureau or merchant. 19.11.4. Where you request or authorize BSN to do so, whether in writing or otherwise. 19.11.5. To protect and defend BSN and its property. 20. Confidentiality 20.1. Although BSN is committed to ensure all information transmitted via myBSN is secure, BSN does not warrant the security of any information submitted by you while using our services. You agree that BSN shall not be liable for any unauthorized access or any loss or damage suffered by you. 20.2. You undertake to observe all security measures prescribed by BSN concerning your Username, Password or any authentication access generally in respect of the use of myBSN. You agree to delete any data, information or access through myBSN which is not intended to you and shall immediately notify BSN and in any case not later than twelve (12) hours. 21. Copyright 21.1. Copyright of the Materials on myBSN is owned or licensed by or proprietary to BSN. 21.2. Except where necessary for viewing the Materials on myBSN on your browser, no Materials on myBSN may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of BSN. 21.3. You are not allowed to insert a link to myBSN on another website, or copy and display myBSN's content on another site or server, unless BSN gives you prior written permission. 21.4. Any such unauthorized reproduction, retransmission or other copying or modification of any of the contents of myBSN may be in breach of statutory or common law rights, which could be the subject of legal action. BSN disclaims all liability which may arise from any unauthorized reproduction or use of the contents of myBSN. 22. Trademarks 22.1. You acknowledge that all proprietary rights (including without limitation text, graphic, script, image, video and other multimedia work or combination thereof in whatever format) displayed in myBSN belong to BSN and/or its related companies and/or its Affiliate shall at all times protected by copyright, trademarks, patents or any other intellectual property rights. These may not be used without the written permission of BSN. 22.2. Unless the prior written consent of BSN or the relevant third-party proprietor of any of the trademarks, service marks or logos appearing on myBSN has been obtained, no license or right is granted to any party accessing myBSN to use, download, reproduce, copy or modify such trademarks, services marks or logos. No part of these materials may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for commercial or public purposes without BSN's prior written consent. 23. Links To Other Websites 23.1. myBSN may contain links to other websites operated by third parties ("Third Party Websites"). BSN does not endorse or approve of the operators of Third-Party Websites, or the information, graphics and material on those Third-Party Websites ("Third Party Material"). 23.2. Subject to any applicable law which cannot be excluded, BSN makes no warranties or representations: 23.2.1. Regarding the quality, accuracy, merchantability or fitness for purpose of Third-Party Material or products or services available through Third Party Websites; or that Third Party Material does not infringe the intellectual property rights of any person. 23.2.2. When you click on a link in myBSN, it might open a third-party website (not owned by BSN) inside a frame that still shows myBSN's layout or branding. Even though it looks like part of myBSN, the content is from another website, and BSN is not responsible for it and shall not be liable for the contents therein. 23.2.3. All offers to sell and statements relating to goods and services available on Third Party Websites are the responsibility of and given by the Third Party Website operator. In so far as such offers and statements are made on myBSN, such offers and statements are made by BSN on behalf of the relevant Third Party Website operator. BSN expressly disclaims acting in any other respect on behalf of Third Party Website operators. 24. Indemnity 24.1. You hereby agree to fully indemnify, defend and save BSN, its directors and employees harmless against all claims, liabilities, damages, losses, expenses and costs (including legal costs and disbursements) suffered or incurred by BSN, whether directly or indirectly, in connection with or as a result of your breach of any of the provisions under this Terms and Conditions or any third party rights or your use or purported use of our services or due to the delay and/or failure of such services, in addition and without prejudice to any other right or remedy of BSN. This obligation to indemnify BSN shall survive the termination of this service. 25. Termination Of Services 25.1. These Terms and Conditions and your access to myBSN may be terminated at any time by BSN without notice. BSN reserves the right to terminate and/or suspend your access to and/or use of myBSN and at any time without notice and without assigning any reason whatsoever . All restrictions, licenses granted by you and all disclaimers and exclusions of liability by BSN will survive termination 25.2. Notwithstanding the above, BSN may terminate, suspend or restrict your access to myBSN immediately if: 25.2.1. You have provided BSN with false or incomplete information for your access to or use of myBSN; 25.2.2. You breach or there is a potential breach of any term, condition or provision of this Agreement or laid down by any legal, regulatory or authority or body relevant hereto; 25.2.3. You fail to pay any fees or charges when due; 25.2.4. You cease to maintain your Account(s) or any account(s) with BSN which can be accessed via myBSN; 25.2.5. In BSN's opinion, it is in the public interest to do so; 25.2.6. Your access to your Account(s) is suspended or restricted by BSN or any other party; 25.2.7. There are suspicious Transaction performed on myBSN; 25.2.8. You are adjudicated a bankrupt or become insolvent, die or become insane; and/or 25.2.9. Any of your real or personal property is the subject of a levy of execution, writ of attachment, or any other legal encumbrance. 25.3. You may terminate our services by visiting any nearest BSN branch. You agree that BSN shall not be obliged to affect any of your Instructions received on or after the termination date. You acknowledge that: 25.3.1. termination will not affect your liability or obligations in respect of Instructions or Transaction(s) processed by BSN on your behalf prior to and up to the date of the Termination 25.3.2. Termination will only terminate your access to myBSN online banking services, your Account with BSN remains active and accessible via other channels, including but not limited to ATM and BSN Branches. 25.4. All consent, indemnity and licenses granted by you and all disclaimers and limitations of liability by BSN will survive termination, however, you will no longer be authorized to access myBSN. 25.5. Upon the cancellation of myBSN upon the revocation, suspension or restriction of your rights, on our demand, you will immediately settle any sums due to BSN in full or in part as required or as agreed upon by BSN in writing. 25.6. Notwithstanding any other provisions of these Terms and Conditions, you will indemnify BSN for any loss or damage, costs and expenses, fees and charges, which BSN may reasonably incur in enforcing or attempting to enforce payments due to BSN under these Terms and Conditions. 26. Anti-Corruption Laws and Anti-Money Laundering 26.1 You represent and warrant to BSN that you will at times use and operate myBSN in compliance with all applicable Anti-Corruption Laws, policies and regulations. 26.2 You warrant that none of the funds moving to and from your Account(s) through myBSN represent proceeds of, or will be used for, any unlawful activities as defined in the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities 2001 ("the Anti-Money Laundering Act"). 26.3 You undertake not to commit any of the following while accessing or using myBSN: 26.3.1 Engage, directly or indirectly, in a Transaction involving an unlawful activity; 26.3.2 Conceal or disguise the true nature of any unlawful activity; and/or 26.3.3 Utilize any monies from your Account(s) through myBSN for any money laundering or other unlawful purpose. 26.4 You agree that BSN has the right to request you to furnish BSN with all documents, information and authorization that BSN reasonably needs to open and maintain your Account(s) for the purposes of BSN meeting "Know Your Customer", Anti-Money Laundering and Anti-Financing-Terrorism requirements and any other laws and regulations which BSN needs or agrees to keep to. You shall inform BSN promptly, in writing, of any change in any documents, information or authorization given to BSN, and provide BSN with supporting documents and evidence of any such changes. 26.5 In order to comply with local or foreign law, regulations, voluntary codes, directives, judgments or court orders, and any authorities, regulators or enforcement agencies, policies, good practice, government sanctions or embargoes, reporting requirements under financial transactions legislation and demands or requests of any authority, regulator, tribunal, enforcement agencies, exchange bodies related to money laundering and unlawful activity, BSN has the right to take any action it believes to be necessary, which includes freezing of funds, preventing operation of your Account(s), refusing a request for funds from you, not allowing you to access and/or use myBSN or delaying or cancelling a Transaction. BSN is not obligated to notify you until a reasonable time after it is permitted to do so under those law or policies. BSN will not be liable for any loss arising out of any action taken or any delay or failure by BSN, in performing any of its duties or other obligations. 27. Notices 27.1 You hereby agree that all notices and other communications which concerns myBSN may be communicated by any of the following manner: 27.1.1. By ordinary post or registered mail or courier services to your last address in BSN's records and such notification shall be deemed received seven (7) days after posting; 27.1.2. By email to your last known email address in accordance with BSN's current records and such notification shall be deemed received after three (3) days of sending; 27.1.3. By display on BSN's premises or branches and such notification shall be deemed effective upon such display; 27.1.4. By way of advertisement made once in any national newspaper and such notification shall be deemed effective upon appearance of advertisement in any such newspaper; 27.1.5. By way of broadcasting a message on myBSN and such notification shall be deemed effective on the date of publication in myBSN; and/or 27.1.6. By notification in any manner as BSN deems fit. 28. Dispute And Enquiries 28.1. For any disputes, enquiries or complaints or should you require further assistance, please contact the address at the end of these Terms and Conditions. In addition, you are advised to review our Privacy Policy and Security Statement in myBSN and try to settle the matter amicably. 29. Miscellaneous 29.1. The failure of BSN to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. 29.2. 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. BSN reserves the right to amend myBSN, the services provided on myBSN and the contents or any portion at any time. Any rights not expressly granted herein are reserved. 29.3. The information and materials contained in or accessed through myBSN shall not 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. 29.4. BSN reserves the right to retain and archive transaction records, communications, and account-related data for a period deemed appropriate under applicable laws and internal policies. You acknowledge that such records may be used for audit, legal, or operational purposes. 29.5. Any fraudulent claim or attempt thereof shall not be tolerated. The Bank shall refer the matter to the authorities and shall have the right to commence legal proceedings against you. 29.6. BSN has the right to debit, set off, transfer and consolidate any sums due to the Bank standing to the credit of any of your accounts with BSN towards the reduction and/or discharge of any sums owing to us. We will inform you in advance before any such charges are applied. 29.7. In the event of any conflict or inconsistency between the English version and the Bahasa Melayu version of these Terms and Conditions, the English version shall prevail and override the Bahasa Melayu version to the extent of such conflict. 30. Successors bound 30.1. The Terms and Conditions shall be binding upon you, your personal representatives and successors, in-title and the successors-in-title and assigns of BSN. You shall not assign any of your rights and interest in myBSN or the services rendered by us as contemplated herein. 31. Time 31.1. Time wherever mentioned shall be of the essence of this Terms and Conditions. 32. Law and Jurisdiction 32.1. These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing myBSN and/or using the services provided on myBSN, 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 myBSN. 32.2. Nothing herein shall be construed as a representation by BSN that the materials, information, functions and/or services contained in or accessed through myBSN are appropriate or available for use in jurisdictions other than Malaysia. 33. Severability and Waiver 33.1. If any of the provisions of this Terms and Conditions becomes invalid, illegal or unenforceable in any respect under any law, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired. 33.2. Any waiver or indulgence granted by BSN shall not prevent BSN from enforcing the other parts of the Terms and Conditions which are unaffected by such waiver or indulgence, or other rights or require us to grant further indulgence. The rights and remedies provided by law are not excluded by these Terms and Conditions. 34. International Use 34.1. The use of myBSN outside of Malaysia is subject to the Exchange Control Regulations of Bank Negara Malaysia or any fiscal or exchange control requirements operating in the country where the Transaction is affected or requested; and the laws and regulations of Malaysia and the country where the Transaction is affected or requested. 34.2. The maximum amount of a Transaction and the purpose for which it is affected may be determined by Bank Negara Malaysia and the laws and regulations of the country in which the Transaction is affected or initiated. You hereby agree that you are using myBSN at your own initiative and are responsible for your compliance with local laws. For any issues regarding these Terms and Conditions or myBSN, please contact our Customer Service Centre which is available 24 hours: Tel: 603-2613 1900 Email: customercare@bsn.com.my Thank you for choosing myBSN.
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