A. DEFINITIONS
- BCA ID means an identification code created by the Customer or non-Customer consisting of numbers, letters, or a combination of both, used to access a BCA ID e-channel.
- BCA ID Password means a personal password that must be created and entered by a BCA ID User to be able to use the BCA ID.
- Customer means an individual customer that has a deposit account at BCA and/or a BCA credit card.
- BCA ID User means an individual, both Customer and non-Customer that uses the BCA ID.
- Email means an electronic mail address registered by the BCA ID User at BCA in connection with the use of the BCA ID.
- BCA ID e-Channel means a BCA electronic channel that can be accessed by using the BCA ID to conduct banking transactions and obtain information related to services or products marketed through BCA, which will be notified by BCA from time to time in any form and through any means in accordance with applicable legal provisions.
- BCA ID PIN means a personal code created by the BCA ID User, which consists of 6 (six) numeric digits and is used to make certain transactions according to the provisions applicable at BCA.
B. BCA ID REGISTRATION
- The prospective BCA ID User can register for a BCA ID through various BCA ID e-Channels.
- The BCA ID User must provide the data required by BCA to register BCA ID.
- To be able to use the BCA ID, the BCA ID User must activate the BCA ID by clicking on the link sent by BCA to the Email that has been registered by the BCA ID User within the period notified in the Email.
- The BCA ID User must register their own Email. The BCA ID User shall be responsible for all the consequences arising from the registration and use of Email belongin to other parties by BCA ID User and BCA ID User hereby release BCA from all claims, lawsuits, and/or other legal actions in any form from any party in connection with such matter.
- The Email registered with BCA will be used for the purpose of sending:
- notifications of any transactions made by the Customer using the BCA ID;
- link for BCA ID activation during registration and BCA ID unblocking; and
- any relevant information from BCA including promotional materials.
- The BCA ID User agrees that with the approval of the BCA ID User, BCA may send promotional materials to the BCA ID User’s Email registered with BCA.
C. BCA ID AND TRANSACTION TERMS
- The BCA ID User may have several BCA IDs.
- The BCA ID User must link the BCA ID to at least 1 (one) account to be able to conduct financial and non-financial transactions on the BCA ID e-Channel.
- One account can only be linked to 1 (one) BCA ID. However, accounts with joint account status can be linked to more than 1 (one) BCA ID.
- One credit card can only be linked to 1 (one) BCA ID.
- One BCA ID can only be linked to 1 (one) Email and 1 (one) Email can only be linked to 1 (one) BCA ID. The BCA ID User may change the Email linked to the BCA ID by following the applicable provisions at BCA.
- To be able to log in to a BCA ID e-Channel, the BCA ID User must enter the BCA ID and the BCA ID Password.
- The BCA ID User must use the correct BCA ID PIN whenever the BCA ID User conducts certain transactions that require a BCA ID PIN on the BCA ID e-Channel.
- The BCA ID User must comply with the terms and conditions of the relevant BCA ID e-Channel every time the BCA ID User makes a transaction on the BCA ID e-Channel, and such terms and conditions will be notified by BCA to the BCA ID User in any form and through any means according to the applicable legal provisions.
D. BCA ID SECURITY, BCA ID PASSWORD, AND BCA ID PIN
- The BCA ID User must keep the confidentiality of the BCA ID, BCA ID Password, and BCA ID PIN by:
- not disclosing the BCA ID, BCA ID Password, and BCA ID PIN to any other parties including the BCA ID User’s family members or closest associates;
- not storing the BCA ID, BCA ID Password, and BCA ID PIN on a cellular phone, other objects or any media in a way that allows such BCA ID, BCA ID Password, and BCA ID PIN to be known by others;
- taking reasonable care when using the BCA ID, BCA ID Password, and BCA ID PIN so that they are not visible to others;
- not using a BCA ID, BCA ID Password, and BCA ID PIN that are determined or selected by others or that are easy to guess such as a date of birth or any combination thereof and a telephone number.
- Any misuse of the BCA ID, BCA ID Password, and BCA ID PIN shall be the full responsibility of the BCA ID User. The BCA ID User hereby holds BCA harmless against all claims, lawsuits, and/or other legal actions arising, either from other parties or the BCA ID User itself as a consequence of such misuse of the BCA ID, BCA ID Password, and BCA ID PIN.
- The BCA ID User can change the BCA ID Password at any time through the menu provided.
- If the BCA ID User’s BCA ID, BCA ID Password, and BCA ID PIN are known by unauthorized persons, the BCA ID User must immediately contact Halo BCA so that the BCA ID can be blocked. All transaction instructions given to BCA by using the BCA ID, BCA ID Password, or BCA ID PIN and processed before BCA receives such notification shall become the full responsibility of the BCA ID User.
E. BLOCKAGE AND DELETION OF BCA ID
- The BCA ID will be blocked if the BCA ID User:
- incorrectly enters the BCA ID Password three times in a row; or
- applies for the blockage of the BCA ID.
- The BCA ID User will not be able to use the blocked BCA ID to access all BCA ID e-Channels.
- Under certain considerations, BCA has the right to block or delete the BCA ID and delete the BCA ID connection to the Email linked to the deleted BCA ID, among others if:
- BCA ID is not active within a certain period of time determined by BCA which will be notified in any form through any means in accordance with applicable legal provisions; and/or
- all Customer accounts at BCA have been closed.
- For the purpose of unblocking the BCA ID, the BCA ID User must contact Halo BCA and follow the instructions given by the Halo BCA officer.
- The BCA ID User cannot delete the BCA ID by themselves for any reason.
F. FORCE MAJEURE
In the event BCA is unable to process any instruction from the BCA ID User, whether partially or wholly, due to events or causes beyond the control or capability of BCA, including but not limited to natural disasters, war, riots, equipment/system/transmission breakdown, power failures, telecommunication disruption, government policy prohibiting BCA from providing services related to the BCA ID, as well as any other events or causes beyond the control and capability of BCA, the BCA ID User hereby holds BCA harmless against all claims, lawsuits, and/or other legal actions in any form from any party in connection therewith.
G. COMPLAINT HANDLING
- The BCA ID User can contact Halo BCA for any complaints regarding the BCA ID. BCA will respond to such complaints in accordance with the prevailing laws and regulations.
- Any complaint related to the BCA ID must be lodged by the BCA ID User with BCA no later than 3 (three) months from the date of use of the relevant BCA ID which resulted in the related complaint. BCA reserves the right to refuse to serve BCA ID User complaints submitted to BCA after the expiration of such period.
- The BCA ID User agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions of BCA ID of PT Bank Central Asia Tbk (“Terms and Conditions”) shall be resolved in an amicable manner.
- Any dispute or difference of opinion that cannot be resolved through deliberation between BCA and the BCA ID User shall be resolved by means of banking mediation at Bank Indonesia or the Financial Services Authority or by means of mediation through an Alternative Dispute Resolution Institution listed in the List of Alternative Dispute Resolution Institutions established by the Financial Services Authority.
- Any dispute or difference of opinion that cannot be resolved through deliberation, banking mediation, and/or by mediation as described in item G.4 above shall be resolved through the District Court of Central Jakarta, without prejudice to BCA's right to file a suit or claim through any other District Court within the territory of the Republic of Indonesia.
H. LANGUAGE
These BCA’s BCA ID Terms and Conditions are made in Indonesian and English versions. In the event of any discrepancy between the Indonesian and English versions, then the Indonesian version shall prevail.
I. MISCELLANEOUS
- The BCA ID User must immediately notify BCA in writing of any changes to the BCA ID User’s data.
- BCA has the right to modify these Terms and Conditions and such modification will be notified by BCA to the BCA ID User in any form and through any means according to the prevailing laws and regulations.
- The BCA ID User hereby undertakes to comply with these Terms and Conditions as well as other provisions applicable at BCA in relation to the services, facilities, and transactions that can be made using the BCA ID, which will be notified by BCA to the BCA ID User in any form and through any means according to the prevailing laws and regulations.
These BCA’s BCA ID Terms and Conditions have been adjusted to the laws and regulations including the regulations of the Indonesian Financial Services Authority