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The instructions for electronic services provided by Arab Jordan Investment Bank via the internet and or land line and or mobile phones and or electronic channels.
Introduction:
Whereas the Arab Jordan Investment Bank has launched self-subscribing electronic banking services directly through the (Internet) and / or landline phone and / or mobile phones and / or electronic channels, which allows for the customer to access his account / accounts and perform electric banking transactions by himself .

Whereas I / we, wish to join the available electronic banking services by the Arab Jordan Investment Bank in order to access to our account/s and perform electronic transactions through the (Internet) and / or landline phone and / or mobile phones and / or electronic channels;
Accordingly, as I/we wish to get the electronic services provided by the Arab Jordan Investment Bank, I, we acknowledge / recognize that once we enter into the website of the Bank of the Arab Jordan Investment and / or using any of the electronic services and our acceptance through the electronic link to the General Terms and Conditions relating to electronic banking services, shall create an effective agreement with Arab Jordan Investment Bank which shall be binding to me / us to access to our account/s sand to make any electronic transaction through the electronic services provided by the Arab Jordan investment Bank
These Terms are named the Terms of Banking Electronic Services, which shall apply on the use of banking electronic services provided by Arab Jordan Investment Bank for its clients to carry out certain transactions and/or obtain some Banking services through using the internet and/or land line and or mobile phone and/or electronic channels. The following terminologies shall have the follow
in
g meanings in these terms; unless stated otherwise:
The Bank: Arab Jordan Investment Bank
Service: any or all banking electronic services provided by Arab Jordan Investment Bank for its clients that allow them to carry out some transactions and/or obtain some banking services through the internet and/or land line and/or mobile phone and/or electronic channels.
Client: The account holder at Arab Jordan Investment Bank for using the Service
The Terms: The terms and the guidelines for enrolment and usage of the banking electronic services provided by Arab Jordan Investment Bank for his clients through the internet and/or land line and/or mobile phone and/or electronic channels.
Electronic message: the information which is created or send or delivered or saved in any electronic method (such as E-mails. SMS or other any other electronic method for exchanging electronic information.
1. The Bank provides the Client with the possibility to enroll in the Service to carry out transactions and/or obtain available banking services
1.1 The Bank reserves the right to amend the available transaction/banking service+B2s.
1.2 The last movements performed on the account shall appear for the required year, and the number of the movements shall be determined according to the communication system used.
2. The account holder acknowledges and is fully aware that the usage of the Service by him/her is acknowledgment “by the account holder” o
f his/her
acceptance and an adherence to follow all of the Term’s Clauses stipulated hereunder, and as may be amended from time to time.
2.1 The Bank shall not be held responsible for any interruption and/or disruption of the Service and/or any errors in the information abstracted through the Service.
2.2 The Bank reserves the right at its sole discretion to cancel and/or discontinue and/or deny access to the Service at any time and for any duration upon written or electronic notification and without assigning any reason; under which the Client has no right to object on any or all of the aforementioned actions nor has the right to claim for any demand from the Bank for any reason.
2.3 The Bank reserves the right as it deems appropriate and at any time, to apply any fees for this Service and/or apply any expenses and/or apply any commissions on all transactions/ banking services available by using the Service upon written or electronic notification.
2.4 The Bank reserves the right to use internally
any inf
ormation related to the Client to provide him/her with information related to any transaction/ new Banking service.
5. The Bank reserves the right not to and/or reject and/or delay executing any transaction and/or payment orders, without referring to the Client and without reason, without any liability on the Bank , in case of and not limited to:
- if the account balance is insufficient to cover the transaction’s value, the interest, commissions and expenses at the time of the enquiry,
- If the value of the transaction exceeds the maximum daily approved limit or the number of transactions.
- The Bank has the authority to check the money transfers.
- The non-completion or insufficient information in the transaction order.
- The infringement of the anti-money laundering instructions.
2.6 The transaction will be executed automatically on the date requested by the Client if the transfer is for an account open with any of the Bank’s branches in Jordan, and after certain numbe
r of days dete
rmined by Bank’s according to internal instructions if the transfer is for an account within the Bank’s branches outside Jordan, or any other bank in Jordan and/or abroad. In all events the requested amount will be debited to the Client’s account along with all charges, commission’s expenses and others on the day of the transfer execution enquiry.
2.7 In case of termination/cancelation to the Client’s enrolment in the Service, all transactions requested and not actually executed will remain executable on the business day designated by the Client, whenever there are no reasons at that time to deny executing these transactions.
2.8 The Client is the sole responsible person for all the transactions of the account opened at the Bank and the statement of the account issued by the Bank shall be deemed decisive and final evidence and binding on the Client who has no right to object upon.
2.9 If the Client discovers any transaction not requested by himself, the Client has to inform the Bank in a wri
tten n
otification signed by the account holder within three working days from the date of that transaction. The Bank will study this case and inform the Client as soon as possible. The Client is solely responsible for any damage/losses sustained by him or by the Bank and/or entity due to such transaction. The Client will release the Bank from any responsibility. The Bank shall not be liable in case of the impossibility to execute any transaction through the Service, and the Bank shall not be liable for any misuse of the Service by the Client.
2.10 If the Client discovers that the Bank did not execute any requested transaction, the Client has to inform the Bank in a written notification signed by the account holder within three working days of the date of that transaction. The Bank will study the case and inform the Client as soon as Possible. The Client is solely responsible for any damage/loss sustained by him or by the Bank and/or entity due to such transaction. . The Client will release the Bank from any re
sp
onsibility whatsoever.
2.11 The Bank shall not be held responsible for any damage/loss sustained by the Client and/or of any third party resulting from executing and/or cancelling any request by the Client. The Client will release the Bank from any responsibility whatsoever.
2.12 Despite the fact that the Bank applies all the possible security tools to secure this Service; nevertheless, the Bank is not responsible for any damage that may be sustained by the Client and/or others, as a result of any risks of using the Service. The Client is responsible for all the risks of using the Service.
2.13 By choosing the emails as means of communication between the Client and the Bank, the Client agrees to receive the email messages from the Bank and shall be considered for each email the Bank send to the Client. The Client approves the below:
* Any email message received by the Bank (and appears to be sent by the Client) shall be considered issued by the Client and binding on him. The Client has s
hall hav
e no right to object and/or cancel and/or challenge for any reason.
* Any email message sent by the Bank to the Client is considered received by the Client who and approves its contents and/or any obligations towards the Bank.
2.14 The Client acknowledges that both the Client ID and secret code determine the Client's identity and any transaction executed using the Client ID and secret code is considered executed by the Client himself. The Client is considered responsible for all transactions executed using his Client ID and secret code. The Client acknowledges that using his secret code is an absolute approval from his side to execute any banking transaction executed and/or being requested to be executed by him using the Service.. The Client confirms his sole responsibility of any legal and/or monetary obligations and any loss and/or damage sustained by the Client and/or the Bank and/or any other entity caused by using the Service by the Client personally and/or through third party and or any other
per
son.
2.15 The Client acknowledges that the Client ID and secret code which entitles him to use the Service stand for a Signature. Accordingly, any transaction executed using the Client ID and secret code is considered done by the Client himself and/or based upon his request. The Client shall be solely fully responsible in case someone else uses the Client the Client ID and secret code whether disclosed on purpose or by coincidence or any other reason. The Client shall be obliged to notify the Bank immediately through a written letter signed by the account holder in case of losing or forgetting the Client’s ID and/or the secret code and/or in case of any suspicion of being revealed. The Client (in such cases) shall remain responsible for all records and actions made on any of his opened accounts through the Service by using the Client ID and secret code until the end of the second working Day from the date of receipt of the a written letter by the Bank.
2.16 The Client acknowledges that the Se
rvic
e shall be temporarily put on hold in case of entering the wrong secret code three consecutive times. The Client should to check with the Bank to reactivate the service.
2.17 The Client understands that the Bank make changes to the system from time to time upon written notice to the Client, and that the Bank reserves the right to amend the terms and condition and/or the values and/or the fees and/or charges applied to the Service at any time without a reason upon written notice to the Client. The Client shall not have the right to object on such changes, and continuing using the Service an approval of any change and/or amendment done concerning the Service.
2.18 The Bank grants the Client access to execute transactions and to obtain the banking services available by the Bank, and the Client acknowledges that all transactions and/or banking in addition to any services which may be added by the Bank are governed by these Terms.
2.19 The Client confirms not owning the royalty of any copy right
for a
ny of the programs and/or equipment’s and/or documents provided by the Bank or which may be updated and/or upgraded/renewed by the Bank for the Service.
2.20 The Client acknowledges the right of the Bank to refuse and for any reason:
- Any Request Form provided by any Client to register to the Service.
- Any instructions or inquiries from the Client through this Service.
2.21 The Client authorizes the Bank to:
- Execute all instructions and reply to any inquiries from the Client through this service.
- Charge any fees for executing any banking transaction through the Service which on any of the Client's accounts.
- Send all notices and correspondence related to the Service to the Client through emails and/or any other method, the Client ensures that he has taken all necessary reservations to secure the confidentiality of the received emails by him and shall be held responsible for any breach from his side.
- All calls, instruction and requests by the Client are rec
orded by any of
the communication devices and/or recordings. The Client acknowledges his approval for using these recordings as a proof if the need be.
3. The Client abides by:
3.1 Following the instructions and conditions of the Service and all its amendments.
3.2 Providing the devices and equipment’s needed to enroll in this Service and bear any costs and expenses for operating and maintaining these devices.
3.3 Bearing any fees and charges and expenses and telecom costs (including the internet and phone charges) and any other expense as a result of using this Service by the Client.
3.4 Bearing any expenses, charges, costs, and fees charged by the Bank for any electronic transaction. The Client authorizes the Bank to debit any of the Client's bank accounts with all the charges fees and expenses related to this Service.
3.5 Bearing the responsibility of any transaction debited on any of the Client's open bank accounts and for any errors in the transfer of any amount to any of his accou
nts and/or t
he accounts of other at the Bank and/or other banks through using the Service.
3.6 Bearing the sole responsibility of any damage caused to the Client or others as a result of failing to effect any transactions.
3.7 Securing the Client name and password.
3.8 Bearing any responsibility or damage which the Client may sustain as a result of not properly securing the Client name and password and/or misusing the Service by the Client or others by using the Client name and/or the password.
Maintaining the confidentiality of all the information/ data (related to the Client's Bank account) or the instructions of payment, drafts and any other information that could be accessed, transfer and/or save from any electronic device. The Client is solely responsible for (any legal and/or monetary consequence in addition to any losses and/or damages sustained by him or by others) resulting from not abiding to reserve the confidentiality data/information.
3.10 Not being involved personally and/or in
cooperati
on with others directly and/or indirectly and/or supporting/facilitating and/or providing devices/appliances/software’s for any party for the purpose of copying and/or amending any of (the software and/or devices and/or documents) provided by the Bank and/or being updated and/or upgraded and/or modified in the field of banking electronic services.
I hereby declare that
1. All details and specifications stated on the registration application are true and correct and I bear any responsibility to the contrary.
2. I bear any responsibility resulting from my use of the banking electronic service provided by the Bank related to:
a. Any amount debited to any of my accounts with the Bank.
b. Any error resulting from transferring any amount to the credit of any other Clients account with the Bank.
c. Misuse and/or disclosure of any of my passwords and/or secret codes to others.
d. Any error while settling online bills.
3- Any loss or damages that I or others may sus
tain as a cause
of executing any banking transaction through the electronic banking transaction provided by the Bank.
3. I hereby release the Bank of any responsibility resulting from denying access and/or suspension and/or modification and/or changing of banking electronic services provided by the Bank after notifying me.
4.I hereby authorize Arab Jordan Investment Bank to debit any of my accounts with the Bank, with all charges, fees and expenses related to banking electronic Services provided by the Bank.
5. I have reviewed, understood, and comprehended the banking electronic services instructions of Arab Jordan Investment Bank, which is considered to be an Integral part of the application to the Service. My approval on this application shall be considered as signature on this application acknowledgement of my review, comprehension, and approval of these instructions without prejudice to the right of the Bank to amend all or part of these Terms at any time and notifying me.
6. All banking transaction
s execut
ed by me, using the banking electronic service provided by the Bank are subject to the provisions of the Electronic Transaction Law no.(85) of 2001 (and any amendments thereto), in addition to any other applicable law in the Hashemite Kingdom of Jordan and the Central Bank Regulations.
7. In case of any dispute arising by and/or related to these Terms and my using of banking electronic service provided by the Bank, the city of Amman courts (Justice Palace) will be the main body to settle such dispute.
Singular term includes plural term and vice versa. .