The Instructions for Electronic Services provided by Arab Jordan Investment Bank via the electronic channels (internet banking and/ or mobile phones ..etc)
Introduction:
Whereas the Arab Jordan Investment Bank has launched self-subscribing electronic banking services directly through electronic channels (the Internet Banking and / or AJIB Mobile ..etc), which allows the customer to access his account (s) and perform electric banking transactions by himself.

Whereas I / we, wish to join the available electronic banking services offered by Arab Jordan Investment Bank in order to access our account(s) and perform electronic transactions through electronic channels (Internet Banking and / or AJIB Mobile ..etc).

I, we acknowledge that once we access the website of Arab Jordan Investment Bank and / or use any of the electronic services, our acceptance of the General Terms and Conditions related to electronic banking services through an electronic link shall create effective binding agreement with Arab Jordan Investment Bank. This agreement shall be binding upon me / us for accessing our account(s) and conducting any electronic transactions through the electronic services provided by Arab Jordan investment Bank

These Terms, referred to as the Terms of Banking Electronic Services, which shall apply to the use of electronic banking services provided by Arab Jordan Investment Bank for its clients to carry out certain transactions and/or obtain specific banking services through electronic channels (internet banking and/ or mobile phones ..etc).
The following terms shall have the meanings ascribed to then 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 enabling them to conduct transactions and/or access specific banking services through the Internet, landline, mobile phone and/or electronic channels.

Client/User: The accountholders at Arab Jordan Investment Bank and/or the authorized person for using the Service

The Instructions: The Instructions for Electronic Services provided by Arab Jordan Investment Bank via the Internet, landline, mobile phones and/or electronic channels.


Electronic Message: The information that is created, sent, delivered or saved in any electronic method (such as emails. SMS or any other electronic method for exchanging electronic information).

The Singular term include the plural, and vice versa.
First: The Bank provides the Client with the opportunity to enroll in the Service to conduct transactions and/or access available banking services. The Bank reserves the right to refuse any Client’s request to register for the Service at its sole discretion and for any reason.
Second: The Client acknowledges the following:

- The Client is fully aware that the use of the Service constitutes acceptance of and agreement to comply with all the clauses of the Terms stipulated herein, and as may be amended from time to time.

- The Bank shall not be liable for any interruption, disruption of the Service and/or any errors in the information obtained through the Service.
- The Bank reserves the right to amend the available transaction/banking services upon written notice. The Client has no right to object to any or all of these actions. nor make any claims against the Bank for any reason.

- The Bank reserves the right at its sole discretion, without providing a reason to cancel, discontinue and/or deny access to the Service at any time and for any duration. Such actions will be communicated through written notice, and the Client shall have no right to object or make any claims against the Bank.

- The Bank reserves the right to apply any fees, expenses, and/or commissions to all transactions/ banking services provided through the Service, as deemed appropriate, with written notification sent to the client's email or via SMS to the mobile number provided by the Client to the Bank, or by any other notification method as agreed upon between the Bank and the Client.

-The Bank reserves the right to use any information related to the Client internally to provide him/her with information regarding any transaction or new banking services. The Client hereby agrees to such usage without requiring further approval from the Client.


-As soon as a client creates an account with the bank through one of the electronic channels (Internet Banking, AJIB Mobile,.. etc.), reactivates their bank account, recovers or changes their username or password through these channels, or accesses these channels from a device other than the one stored in the Bank's records, or, changes the phone number registered with the Bank using one of the electronic channels, the Bank is authorized to verify the client's identity according to the procedures followed at the Bank and the instructions and procedures of the Central Bank.
- If the Bank allows the client to access his account from more than one device, the permission will be in accordance with the procedures followed by the Bank, as well as the instructions and measures adopted by the Central Bank of Jordan. The client acknowledges that the Bank may set a maximum limit on the number of devices through which the Client is authorized to access the account. Simultaneous access is not allowed.

- To enable the Bank to monitor the effectiveness of the Client's phone number linked to the bank account and periodically verify the effectiveness of using electronic channels through the same phone number registered with the bank, the Client is required to enter a one-time password (OTP) at least once every 90 days when accessing their account on electronic channels. A grace period of up to 30 days is allowed after the elapse of the (90) days, during which a one-time password (OTP) will be sent for any login attempt by the Client before the account(s) become "inactive." The Client will then need to reactivate the account(s) according to the procedures followed by the Bank and the instructions of the Central Bank.
Third: The Bank reserves the right decline, reject, and/or delay the execution of any transaction and/or payment orders without providing a reason or referring to the Client, with no liability on the Bank, this includes but not limited to:

- if the account balance is insufficient to cover the transactions value, including interest, commissions, and expenses,
- If the value of the transaction exceeds the maximum daily approved limit or the permitted number of transactions.
-The Bank needs to conduct verification processes for the transfer operation.
-Incomplete or insufficient information provided in the transfer order.
-Violation of anti-money laundering and counter-terrorism financing regulations.
Fourth: The transaction will be executed automatically on the date requested by the Client if the transfer is for an account held at any of the Bank’s branches in Jordan. For transfers to account(s) at the Bank’s branches outside Jordan, or for other banks in Jordan and/or abroad, the transaction will be executed after a period determined by Bank’s according to internal instructions. In all cases, the requested amount, along with all charges, commissions, expenses, and other applicable fees will be debited from the Client’s account on the day the transfer request is made.
Fifth: In case of termination or cancelation of the Client’s enrolment in the Service, all transactions requested but not yet executed will remain executable on the business day designated by the Client, as long as there are no reasons at that time to deny executing these transactions.
Sixth: In the event that any request by the Client cannot be executed directly through electronic means, the Bank reserves the right to review the case, without any obligation to approve the execution of such transaction. If approved, the Client must visit the relevant branch to complete the transaction and sign the necessary documents.
Seventh: The Client is solely responsible for all the transactions related to their account(s) at the Bank. The Client is solely responsible for any damage or losses sustained by themselves or by the Bank as a result of such a transaction. The Client releases the Bank from any liability. The Bank shall not be liable in case of the inability to execute any transaction through the Service for reasons beyond its control, nor shall it be liable for any misuse of the Service by the Client.
Eighth: If the Client discovers that the Bank did not execute a requested transaction, the Client must inform the Bank in writing within three working days of the date of the transaction request. The Bank will investigate the matter and inform the Client of the outcome as soon as possible. The Client will release the Bank from any responsibility or liability related to the non-execution of the transaction.
Ninth: The Bank shall not be held responsible for any damage/loss sustained by the Client and/or of any third party resulting from execution and/or cancellation of any request by the Client. The Client releases the Bank from any responsibility in this regard.
Tenth: Although the Bank employs all the possible security measures and tools to protect and secure this Service; the Bank shall not be held liable for any damage sustained by the Client and/or any other party as a result of any risks associated with using the Service. The Client is acknowledging and accepts responsibility for such risks.
Eleventh: By selecting email as the means of communication between the Client and the Bank, the Client agrees to receive email messages from the Bank. The Client is deemed to have received every message sent by the Bank to the email address provided by the Client. The Client approves the following:
* Any email message received by the Bank that appears to be sent by the Client shall be considered issued by the Client and binding on the Client. The Client shall have no right to object and/or cancel and/or challenge such a message for any reason.
* Any email message sent by the Bank to the Client is considered received by the Client, who thereby approves its contents and/or any obligations towards the Bank.
Twelfth: The Client acknowledges that both the Client username and password determine the Client's identity. Any transaction executed using the Client username and password is considered executed by the Client himself. The Client is responsible for all transactions executed using his client username and password. The Client acknowledges that using their password is absolute approval from their side to execute any banking transaction. The Client confirms their sole responsibility for any legal and/or monetary obligations and any loss and/or damage sustained by the Client, and/or the Bank and/or others, caused by the Client’s personal use of the Service and/or through third party.
Thirteenth: The Client shall be fully responsible if someone else uses the Client’s username and password whether disclosed by the Client intentionally, accidentally, or for any other reason. The Client shall be obliged to notify the Bank immediately in writing if they lose or forget their Client’s username and/or password and/or if they suspect that it has been revealed. In such cases, the Client shall remain responsible for all records and actions made on any of their opened accounts through the Service using the Client username and password until they inform the Bank in writing.
Fourteenth: The Client acknowledges that the Service shall be temporarily suspended if the Client enters the wrong password three consecutive times. The Client should contact the Customer service center to reactivate the service.
Fifteenth: The Client understands that the Bank may make changes to the Service’s system from time to time upon providing written notice to the Client. The Client also understands that the Bank reserves the right to amend the terms and conditions, the values, the fees and/or charges applied to the Service at any time without a reason, upon providing written notice to the Client as provided in article two above. The Client shall not have the right to object to such changes, and it is hereby understood that continuing to use the Service is an approval of any change and/or amendment made related to the Service.
Sixteenth: The Bank provides the Client with the ability to execute banking transactions and/or use the banking services available through the Service. The Client acknowledges that all transactions and/or banking services, whether existing or added by the Bank in the future, are governed by these Terms.
Seventeenth: The Client confirms that they do not own any copy right or propriety rights in any programs, devices, equipment’s and/or documents provided by the Bank, nor any that the Bank may update and/or upgrade, modify, and/or develop in relation to the Service.
Eighteenth: The Client authorizes the Bank to:
1-Execute all instructions and respond to any inquiries from the Client through the Service.
2-Charge any fees for executing banking transactions through the Service and debit any amounts due from the Client’s accounts held with the Bank.
3-Send all notices and correspondence related to the Service to the Client through electronic messages and/or any other method. The Client ensures that all necessary precautions are taken to secure the confidentiality of the received emails and shall bear all responsibility for any breach from their side.
4-Record all calls, instructions and requests made by the Client by any means. The Client acknowledges their approval of using these recordings as proof.
Nineteenth: In the case of a joint account, the account holders (whether individually or jointly) are responsible to the Bank for any obligations, expenses, fees and/or charges related to the Service or any other banking service executed on the Client’s account, or for the use of the Service by any of the partners, authorized persons and/or any third party. Twenty: The Client agrees to:
- Follow the instructions and conditions of the Service issued by the Bank, including all its amendments.
-Provide the devices and equipment needed to enroll in the Service and bear any costs and expenses for operating and maintaining these devices.
-Bear all expenses, costs, and fees related to the Service (including telephone and internet service fees), as well as any other costs resulting from the Client’s use of the Service, including any fees, charges and expenses and telecom costs.
-Bear all fees, charges, expenses, and costs determined by the Bank regarding any banking transactions carried out using the Service.
-Assume responsibility of any transaction debited from any of the Client's accounts held with the Bank, as well as for any errors resulting from transferring any amount to the Client’s account(s) and/or third-party accounts at the Bank and/or other banks using the Service.
-Assume responsibility for any damage that may be incurred by the Client or others due to the inability to execute any transaction facilitated by the Service.
- Secure the confidentiality of the Client’s username and password.
- Bear any responsibility or damages incurred by the Client due to their failure to maintain the confidentiality of their username and password, and/or as a result of misuse of the Service by themselves or by others using their username and/or password.
- Maintain the confidentiality of all information/ data related to the Client's Bank account or payment instructions, financial transfers, and any other accessible, transferable, and/or storable information from any electronic device. The Client bears full responsibility for any financial and/or legal consequences, as well as any damages or losses incurred by them or any other party, resulting from their failure to maintain the confidentiality of this data/information.
-Not personally engage, directly or indirectly, individually or in collaboration with others, in providing any assistance, facilities, devices, equipment, or software to any entity for the purpose of copying and/or modifying any programs, devices, equipment, or documents provided by the Bank, or those updated, modified, or developed by the Bank in the field of electronic banking services.
I hereby declare that,
-All data and details provided in the Service subscription request are truthful and accurate, and I take full responsibility for any discrepancies otherwise without any liability on the Bank.
-I am the owner of the electronic account and the true beneficiary owner.
- The Bank from shall not be liable resulting from withholding, suspending, modifying, or changing the electronic banking service provided by the Bank after notifying me by the Bank in writing.
-The bank has the right to suspend the service at any time, whether partially or entirely, and for any duration or forever after notifying the client with a prior written notice, and without giving any reasons."
-I accept full responsibility for any consequences arising from my use of the electronic banking service provided by the Bank, including:
a)Any amount debited from any of my accounts with the Bank.
b) Any error resulting from transferring any amount to another customer's account with the Bank.
c)Misuse or disclosure of any of my usernames, passwords and/or secret codes to others) Any error resulting from electronically paying bills.
e)Any malfunction or damage sustained by me and/or others due to the execution of any banking transaction using the electronic banking service provided by the Bank.
f)Any incorrect amount charged to any of my accounts with the Bank through the CliQ instant payment service.
The Client thereby acknowledges that he/she has reviewed, understood, comprehended and approved the Terms, which are considered an integral part of applying for the Service. The Bank has the right to amend all or part of these Terms at any time after notifying me.
In the event of any dispute arising from and/or related to these Terms and the use of the Service provided by the Bank, the courts of Middle Amman (Justice Palace) shall have exclusive jurisdiction to consider and settle such disputes.
The Customer agrees to indemnify, defend, and hold harmless the Bank from and against any and all claims, costs, losses, damages, judgments, penalties, and expenses of whatever nature which the Bank may incur or sustain (including reasonable attorneys’ fees)arising out of any claim, action, or other proceeding that relates to: (a) the customer’s wrongful or improper use of the service, including willful misconduct or fraud.
The Customer should inform the Bank directly of any complaints or suggestions regarding the Service, either by calling the customer service center or according to the procedures approved by the Bank in this regard.
The terms and conditions governing the use of this service are in accordance with the laws and regulations issued by the Central Bank. The bank will take all necessary measures to remain compliant with applicable laws and regulations, including any directives issued by the Central Bank and requirements related to anti-money laundering and counter-terrorism financing.