Sonali Bank eWallet
Terms and Conditions
The terms and conditions set forth in this agreement explain your rights and obligations, the Customer (user), and us (Sonali Bank Limited), in connection with your use and our services related to eWallet. All terms and conditions of this agreement are legally binding, so we advise you to please read them through carefully.

1. These terms and conditions apply to Sonali Bank Limited eWallet Services. These Terms and Conditions operate in conjunction with the terms and conditions applicable to Account(s) the customer access using these services including the opening of any new accounts. If there is an inconsistency, these terms and conditions prevail.
2. To be eligible to use eWallet services, customer must maintain at least one CASA (Current & Savings Account) with the Bank. However, eWallet services will allow the customer to access more than one account. The Bank reserves the right to deny access or to limit access or transactions or to revoke access to eWallet services without advance notice to you at its sole discretion.
3. All registered customer of the eWallet service shall enjoy Fund Transfer facilities by default.
4. The Bank reserves the right to change, cancel, and extend any part of the Service from time to time. The Bank shall notify the User of the changes through the respective website, if the Bank feels necessary.
5. Upon the Customer's registration for the eWallet Service, the Bank will provide each Customer with User Name and a temporary password (Password) through registered email and Phone Number which will allow the person to access the Customer's Account information. Once the Customer logged on through a correct Password the system will not request for any further authorization for any transaction except for 2FA transactions until he/she logs off and later logs in again. We recommend the customer to change the password after the very first log in to eWallet Service portal.
6. Customer acknowledges that username and password will verify customer's authenticity and therefore customer will be responsible for all transactions and instructions initiated through eWallet by the use of the correct username and password which are very confidential information. Customer is therefore responsible for safeguarding username, password as well as access to the mobile number, email address registered with Sonali Bank eWallet. In this regard the following are expected from the Customer:
- a. Customer must take care not to choose the password and Security PIN Code that is likely to be guessed by anyone trying to access the Service pretending to be the Customer.
- b. Customer must take all reasonable steps to ensure that the username and specially the password are safeguarded at all times, whenever possible. Customer may not disclose any details of the password to anyone else, even to a member of Sonali Bank Limited staff or someone giving assistance on a technical helpdesk in connection with the Service. It should be clearly understood that bank employees do not need these confidential information for any reason whatsoever. If the User discloses this confidential information to anyone or fails to safeguard their secrecy, the bank shall not be liable for the consequences.
- c. Customer must not record the username and password in a way that could make them accessible or recognizable by someone else.
- d. Customer must ensure at all times that the mobile number registered with eWallet is accessible and operable only by him/ herself and none other.
- e. Customer must ensure at all times that the e-mail address registered for the purpose of eWallet is also accessible and operable only by him/ herself and none other.
- f. If customer discovers or suspects that the Username and Password or any part of it is known to someone else, customer must immediately change this by him/ herself through eWallet. If this is not possible, customer must notify Sonali Bank Limited immediately (Must provide Support Number or mail ID) or eWallet Help Desk Numbers. Sonali Bank Limited shall suspend use of the Service until new password or Security PIN Code has been set up.
- g. If mobile number registered for eWallet is lost, misplaced or stolen, or customer loses accessibility of mobile in any other way, customer must immediately notify Sonali Bank Limited or eWallet Help Desk Numbers.
- h. If e-mail address registered for eWallet is changed, closed, hacked or customer loses accessibility of e-mailbox in any other way, customer must immediately change the e-mail address by him/ herself through eWallet. If this is not possible immediately notify Sonali Bank Limited by calling Sonali Bank Limited Call Centre or eWallet Help Desk Numbers.
- i. If customer becomes aware of any transaction on any Sonali Bank Limited account linked to eWallet username that was not validly authorized by customer, or of any activity or attempt to access eWallet by known or unknown people, then customer must notify Sonali Bank Limited immediately by calling Sonali Bank Limited Call Centre or eWallet Help Desk Numbers.
- j. Customer must not allow anyone else to operate the Service on customer's behalf.
7. While using eWallet, i.e., during an active session, Customer must not leave the System unattended. Customer must log-out before leaving the System.
8. Customer must not access the Service using any computer or other device which customer does not own, without the owner's permission to do so.
9. When logging in to eWallet using public, shared or someone else's computer, Customer must take care and use the on-screen keyboard to enter password or Security PIN Code as an additional security measure.
10. Customer must comply with any rules, procedures and security measures as required and advised by Sonali Bank Limited from time to time.
11. Customer must ensure that the system he/ she is using to access eWallet is adequately maintained and that it is free of any errors, computer viruses, spyware or other malicious programs.
12. Customer is liable for all losses and expenses due to unauthorized use if Customer has acted fraudulently or, with gross negligence, with intentional misconduct or if Customer is in willful default of any of the security obligations stated in this agreement.
13. The Bank shall not be liable if any fraudulent activity occurs with the eWallet Account of the Customer.
14. The Bank may perform regular maintenance on its systems or equipment's which may cause interruption of Service. Unavailability of Internet Connectivity service from the vendor may also cause interruption of Service. Considering the technical difficulties, security threats and/or disasters, Sonali Bank Limited reserves the right to discontinue the eWallet Service until resolution of the problem(s).
15. Bank shall be responsible to preserve the user's activity log only for the last one year according to the use of eWallet Service.
16. Customer is solely responsible for the maintenance, installations, configuration and operation of his/her Computer and the required Programs used in accessing the eWallet Service.
17. The Customer may access the Bank accounts through the eWallet Service 24 hours a day, 7 days a week. Transactions, that are executed by the User after the cut-off time of a working day or on public holidays and 1st July and 31st December being Bank holidays, will be posted with the value date of the next working day.
18. The management has right to impose/modify charges at any time. If any charge is imposed/modified, the Customer shall be informed immediately through the respective website.
19. The Customer expressly agrees that use of the Website is at its sole risk. The Website is provided on an "as is" and "as available" basis. Bank does not warrant that access to the Website and eWallet shall be uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that may be obtained from the Website or use, accuracy or reliability of eWallet. Bank will not be liable for any virus that may enter the User's system as a result of the User using eWallet. Bank does not guarantee to the User or any other third party that eWallet would be virus free.
20. The Bank shall not be liable for any late or incorrect transfer of funds or any consequence thereof or any other loss, damage, claims or proceedings that may arise as a result of the Customer's failure to intimate the change in writing to the Bank in proper time.
21. The Customer hereby agrees and confirms that he/she shall not use this eWallet facility for money laundering or to violate any law related to the money laundering. The Bank reserves the right to demand explanation from the User within 7 working days regarding any matter pertaining to money laundering law of the Country.
22. This Agreement is subject to all applicable operating circulars of Bangladesh Bank, Sonali Bank Limited and any other applicable provisions of Laws of the land. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective legal representatives, successors and assignees.
23. If any of the terms in this agreement is determined to be unlawful or unenforceable, the term will be severed from the remaining terms which will continue in full effect.
24. The Bank management has the right to modify/extend these Terms & Conditions.
25. Either party (Customer or Sonali Bank Limited) may terminate this agreement by giving 15 days notice to the other party. Any operation made within these 15 days should be deemed to have been done by the customer. If Sonali Bank Limited terminates customer's access to e-Wallet it reserves the right to immediately stop making transfers or payments from customers account (s) including those customers previously authorized.

DEFINITIONS

In this Agreement, the following words shall have the respective
meanings set out hereunder unless the context otherwise requires:
a) Bank means Sonali Bank Limited, its successors and assigns.

Agreement means the 'Terms and Conditions' along with Sonali
Bank VISA Debit Card Application Form.
ATM means any Automated Teller Machine or Terminal
belonging to the bank that accepts card along with PIN for cash
withdrawal.
Card means any Card bearing the name of Sonali Bank Limited
issued to the Account holders for use on their Account and
includes any such issued in replacement or renewal thereof, to
avail cash withdrawal services or POS transaction.
Sonali Bank Debit Card means valid VISA Cards issued by Sonali
Bank Limited.

f) PIN in relation to any Card means the Personal Identification
Number assigned by Sonali Bank to that Card which will beused
for accessing Cardholder’s nominated bank Account(s) through
an ATM.

Cardholder where used in raltion to a Debit Card means Sonali
Bank Account holder to whom Debit Card has been issued at
his / her request.
Customer means the Account holders of Sonali Bank stated
above.
Card Transaction means any transaction or instruction effected
or issued by the cardholder by the use of the card.

ABOUT THE CARD

'Sonali Bank Visa Debit Card' is the property of the Bank at all
times. It is non-transferable and will be used exclusively by the
Cardholders.
The Bank reserves the right to seize/cancel the card so issued to
any cardholder if the information submitted by the Cardholder is
false and/or the card is being misused, if found at a later date.
The Bank reserves the right to limit the total cash withdrawal or
goods and services purchased at Visa authorized merchants by
the cardholder during a 24 hour period.
Upon termination of account relationship with Bank for any
reason whatsoever, Card shall be returned to the respective
branch or Sonali Bank Card Division within 7 (seven) days from
the date of receipt of notice thereto.
Use of the Card after notice of withdrawal of the privileges is
fraudulent and may subject the Cardholder(s) to legal action by
the Bank.

FACILITIES THAT CAN BE AVAILED WITH SONALI BANK DEBIT CARD

The Card can be used for: Availing Cash withdrawals from Sonali
Bank Branch locations or the places where Sonali Bank ATMs are
deployed. ATM Establishment displaying the Visa Logo and Q-Cash
Member Banks ATM Locations or POS transactions for goods and
services obtained from Visa authorized merchants in Bangladesh by
the use or the Card.

LOSS OF CARD OR DISCLOSURE OF PIN

The Cardholder shall not disclose the PIN to anyone. The
Cardholder will be liable to the Bank for any and all transactions
made by the use of the Card and hereby agrees to indemnify the
Bank for any losses or damages howsoever caused by any
unauthorized use of Card or PIN, unless the Bank has reveived
notice in writing of any loss, damage or theft of the Card or
disclosure of the PIN prior to any unauthorized use of the Card
or PIN for this purpose, use of the Card by a person who
obtained possession of the Card with the consent of the
Cardholder constitutes authorized use to the Card.
Notwithstanding the loss or theft of any Card or disclosure of the
PIN in respect of any Card, the Bank may charge and debit the
Account for the amount of each and every Card Transation
made or affected before written confirmation by the Cardholder
of such loss, theft or disclosure is reveived by the Bank.
Replacement of Card will be provided to the Cardholder and
charges in this regard will be debited from the account.

FEES AND CHARGES:

Bank will charges and debit the customer Account relating to any
Card-

a) An annual service fee and VAT for the issue or renewal of the
Card at such rate as the Bank may prescribe from time to time
without notice.

b) In the event of replacement of the card due to whatever reasons
as requested by the cardholder, a replacement fee will be
charged to the account as prescribed by the Bank management.

In the event of resetting the PIN, a fee will be dharged to the
account.

TERMINATION OF USE OF CARD AND ACCOUNT

The Card shall not be valid and Bank shall be entitled to the
immediate return of the Card in the event of

Closure of the Designated Account,
Death of the Account/Card holder,
The Cardholder's authority to operate the Designated Account is
terminated,
The Cardholder ceases to be a customer of the Bank,
The Bank requests for its return.

EXCLUSIONS AND EXCEPTIONS

Sonali Bank shall not be responsible or liable to any and all
cardholder for any loss or damage incurred or suffered as a
consequence of:

Any malfunction, defect or error in any ATM, or other machines
or system of authorization whether belonging to or operated by
the Bank or otherwise.
Any delay or inability of the Bank to perform any of its
obligations pursuant to this Agreement because of any
mechanical, data processing or telecommunication failure. Act of
God, civil disturbance or any event outside of the bank's control
or as a consequence of any fraud or forgery.
Any damage to or loss of or inability to retrieve any data or
information that may be stored in any Card howsoever caused.
Any undesired fraud and forgery be means of computer hacking
or any means that causes for any burden to the Cardholder.

DISCLOSURE OF INFORMATION

Card Services of the Bank may disclose any information relating to
any cardholder for any card account of card transaction to the Bank
authority or any regulatory body or any other person if the Bank
considers its interest to do so.

MISCELLANEOUS

All rules and regulations governing the operations or current and
savings accounts will be applicable of the Card transactions
relating to such accounts.
The Bank may at any time change terms and conditions without
prior notice to the Cardholder.
These Terms and Conditions will stand amended if such
amendments are necessitated by law, government regulations
or instructions issued by the Bangladesh Bank.
All notifications and/or questions concerning the use of the Card
should be directed to the Branch Manager of the Cardholder's
branch or the Card Division.
Cardholder will not use this card for any illegal transaction or
anything unlawful, under the laws of Bangladesh.
All disputes are subject to the jurisdication of courts in
Bangladesh only.
In case of any disputes, notify designated Branch within 45
(Forty Five) days.

DECLARATION

I do hereby acknowledge that I have read and understood the above
terms and conditions and agree to comply with them.

I do hereby confirm that I have read and understood the above terms and conditions and agree to comply with them