Public offer RSB system
REMOTE BANKING CONNECTION AGREEMENT
(INTERNET BANKING / MOBILE BANKING) FOR INDIVIDUALS –
This Agreement, published by CJSC Bank "Arvand" (hereinafter referred to as the Bank) on the Internet on the Bank's official website at: https://www.arvand.tj , is a public offer - a proposal of the Bank to conclude a Remote Banking Connection Agreement (Internet Banking / Mobile-Banking) - A public offer (hereinafter referred to as the “Agreement”) with an individual who has entered into a Bank Account / Deposit / Loan Agreement for individuals (in national and foreign currencies) - (hereinafter referred to as the Client).
The Bank is entitled at any time at its discretion to change the conditions of the public offer or revoke it. If the Bank changes the terms of the offer, the changes take effect from the moment the modified terms of the offer are posted on the Internet at www.arvand.tj or each subsequent entry of the Client into the System and using the system is an acceptance of the relevant changes and / or additions.
The agreement between the Bank and the Client is considered concluded at the time of acceptance by the Client of the Bank's public offer.
The acceptance of a public offer, that is, the Client’s consent to conclude the Agreement, is the fact that the Client has submitted to the Bank a duly completed and signed Application for connecting the Internet-Banking / Mobile-Banking system on the Banks' form.
This public offer is governed by the civil law of the Republic of Tajikistan.
TERMS AND DEFINITIONS APPLICABLE IN THE AGREEMENT.
Authentication is the authentication of a person by verifying the authenticity of the presented identifier (PIN / generated code, login, etc.).
Remote banking - is remote banking service (hereinafter - RBS) for remote management of the Client's bank account / accounts opened with the Bank under the Bank Account / Deposit / Loan Agreement for individuals (in national and foreign currencies) (hereinafter - Bank account agreement), as well as an electronic wallet using software, hardware and telecommunication systems that ensure the interaction of the Bank and the Client through the RBS System;
The RBS system under this Agreement includes:
The Internet Banking system (hereinafter referred to as “IB”) is a remote banking service tool with which the client can, without a written instruction, manage the funds available on his accounts, view balances and account statements, and also use other services offered by the Bank.
Mobile - Banking System (hereinafter referred to as MB) is a remote banking service tool with which the client can, without a written instruction, manage the funds available on his accounts, view balances and account statements, and use other services offered by the Bank.
Mobile application is software for a mobile device (smartphone, tablet) on a platform (Android and iOS operating system), designed to provide Clients with the possibility of performing operations on managing their accounts opened with the Bank via mobile devices via the Internet.
Electronic payment document (hereinafter referred to as EPD) is the Client’s remote order to perform a transaction on a bank account opened with the Bank, transmitted electronically to the Bank, created and confirmed by the relevant identification data.
2.1. In order the Client remotely carries out banking operations, the Bank, upon the Client's initiative, provides the Client with access to the RBS System using publicly available Internet channels using various devices, including a mobile phone. Accepting this offer, the Client, in accordance with Art. 467-477 of the Civil Code of the Republic of Tajikistan, confirms that he/she has read the terms of this offer, which are clear to him/her, and confirms its agreement, willingness and desire to use the RBS System.
2.2. Access to the Internet, other hardware and software, which is necessary for accessing the website www.arvand.tj , is not the subject of this Agreement and is provided by the Client independently and at his/her own expense.
2.3. Using the RBS System, the Client initiates, and the Bank performs banking operations in accordance with the terms of this Agreement, the requirements of regulatory legal acts of the National Bank of Tajikistan, internal regulatory documents of the Bank and the current legislation of the Republic of Tajikistan.
2.4. The initiation by the Client of any operation using the RBS System is sufficient confirmation that the Client has become acquainted with the current version of this Agreement.
2.5. The ability to perform operations in the RBS System is provided by the Bank to the Client that meets the following requirements:
2.6. The Parties acknowledge that the identification data for access to the RBS System is an analogue of the Client’s electronic digital signature, which is regulated by the current legislation of the Republic of Tajikistan (hereinafter referred to as RT).
2.7. The Parties to this Agreement also acknowledge that the identification data for access to the RBS System is recognized as equivalent to the Client’s own hand signature.
2.8. The Parties acknowledge that the Client’s EPD on the transaction through the RBS System is equal to the orders received from the Client on paper, drawn up in accordance with the current legislation of the Republic of Tajikistan.
2.9. The Client’s orders to conduct operations in the RBS System are transmitted electronically in the form of EPD confirmed by the Client’s identification data.
2.10. EPDs are executed by the Bank during business hours and days established by the Bank. Execution of EPDs received after the set time will be carried out on the next business day.
3. PROCEDURE AND CONDITIONS OF THE CLIENT SERVICES
3.1. Within the framework of the provided system, the Bank offers the Client the following services:
3.1.1. viewing the status of the account in real time for a specific date or period;
3.1.2. receiving information on the movement of funds on the account;
3.1.3. preparation of payment orders, viewing and editing them before sending to the Bank;
3.1.4. maintaining a personal directory of recipients (document templates);
3.1.5. receipt of information on concluded agreements and operations on Client accounts;
3.1.6. obtaining exchange rates established by the Bank and conducting currency exchange operations;
3.1.7. viewing addresses, offices and ATMs of the Bank;
3.1.10. other services provided by the Bank through the RBS System.
3.2. The list of services provided can be expanded. The Client can obtain information on the operations provided through the RBS system on the Bank’s website www.arvand.tj or at the Bank’s offices.
3.3. The Client pays for the services provided in accordance with the Bank's tariffs valid at the time of the transaction located in the operating rooms or on the Bank's website www.arvand.tj.
3.4. Payment for the services of the Bank under this Agreement is made in the national currency TJS, by direct debit of funds from any account / accounts of the Client. The Bank has the right to use the funds in any of the Client’s accounts with their conversion at the Bank’s purchase rate of the respective currency to pay for services for the Client’s operations.
3.5. The parties acknowledge that the documents they exchange in the Internet Banking system have legal force.
3.6. Authentication and confirmation of client’s rights to access and use remote services is carried out using a PIN code / generated code, passwords, limits.
3.7. The Bank guarantees the confidentiality of transmitted and received information by protecting the internal bank information and operating network and additional protection related to the operation of technical security, which includes the following degrees of protection:
- password protection for access to the program;
- password protection of the data transmission system;
- coding of transmitted and received information;
- electronic digital signature (EDS is available only if the Client uses a digital certificate provided by the Bank);
- access to the RBS Systems is carried out using a password and login;
- All connections to external networks are protected using firewalls;
- providing cryptographic protection of information (cryptographic protection of information is carried out using encryption technology);
- sending a one-time password to the phone number specified in the client’s application via SMS notification.
3.9. Settlement in a non-cash form becomes irrevocable for the Client upon receipt of confirmation of the acceptance of the payment document for execution by the Bank and final - upon direct debit from the account / accounts of the Client.
3.10. In the event of any disputes, the information recorded on the Bank server should be considered as evidence of transactions made.
3.11. In matters that are not regulated by the agreement, the Parties shall be governed by the general conditions of the Bank, as well as by the agreement concluded between the Client and the Bank on opening and maintaining a bank account / obtaining a loan.
3.12. The Bank suspends / terminates access to the RBS System in the following cases:
3.12.1. closing the account / accounts connected to the service through the Internet Banking / Mobile Banking system;
3.12.2. 3 (three) consecutive unsuccessful attempts to enter identification data (user name, password, PIN code);
3.12.3. suspicious activity of the Client;
3.12.4. non-payment of Bank services;
3.12.5. occurrence of technical malfunctions when working with the RBS System;
3.12.6. software changes and preventive maintenance;
3.12.7. the occurrence of a dispute related to the use of this Agreement;
3.12.8. Failure to provide, at the request of the Bank, within 3 (three) banking days of information and documents relating to its activities and banking operations carried out by it in accordance with the requirements of the current legislation of the Republic of Tajikistan, which regulates the issues of combating the legalization (laundering) of proceeds from crime.
3.12.9. in other cases stipulated by the current legislation of the Republic of Tajikistan.
3.13. During the period of elimination of technical problems, the Client must carry out banking operations with the provision of a payment document in paper form signed by the Client to the Bank. The procedure for submitting / receiving complaints and claims of the Client, the conditions for their consideration and decisions are determined in accordance with the current legislation of the Republic of Tajikistan.
3.14. Phone for client service: 52-52
4.1. Identification of the Client and execution of operations when using RBS systems is performed using the login, password and PIN code issued by the Bank (hereinafter referred to as the password).
4.2. The use of passwords by the Client when performing operations on RBS systems is equal to the signature of the client.
4.3. The Client agrees that all transactions made using the Client’s passwords are valid with respect to the Bank as correct and are subject to execution. An individual client must use the passwords in person. To ensure the security of operations, the Client periodically changes passwords in accordance with the frequency and procedure established by the Bank.
4.4. If passwords have been lost or stolen or become or may become known to third parties who are not authorized to use them, the Client is obliged to immediately notify the Bank about this by calling the client support service 52-52 or directly the Bank’s office.
4.5. Upon receiving a notification from the Client about the loss or theft of access passwords, the Bank blocks access to the Internet Banking / Mobile Banking system until the passwords are changed or before the Client sends a written order to the Bank to remove the blocking of access passwords to the Internet Banking system.
5. RIGHTS AND RESPONSIBILITIES OF THE PARTIES
5.1. The bank is obliged:
5.1.1. Provide the Client with access to the RBS System via the Internet or a mobile application.
5.1.2. Perform operations initiated by the Client using the RBS System in accordance with the terms of this Agreement, except as otherwise provided in this Agreement.
5.1.3. Ensure, within the limits of its capabilities, confidentiality of information about the Client and his/her operations performed and / or initiated in the RBS System.
5.1.4. Fulfill other obligations of the Bank specified in this Agreement in relation to banking operations performed by the Client in the RBS System.
5.2. The client is obliged:
5.2.1. Ensure the availability of software and hardware that provides access to the Internet;
5.2.2. The client is obliged to follow the instructions for the Rules of using the RBS (Appendix No.1). If the Client does not fulfill the requirements and comply with the instructions provided by the Bank, the Bank has the right not to execute the order of the Client.
5.2.3. Check after sending the EPD the fact of receipt and execution by the Bank of the transferred EPD. If the fact of receipt and / or execution is not confirmed, apply to the Bank with a request to find out the reason why this EPD was not received and / or not executed by the Bank;
5.2.4. When exchanging EPDs, use information processing, storage and protection systems only on a working computer that is functional and checked for the absence of computer viruses;
5.2.5. Ensure confidentiality when using identification data (user name, password, PIN code);
5.2.6. Immediately inform the Bank about the detection of unauthorized access or attempted unauthorized access, as well as cases of loss, theft of the Client’s identification data, change / loss of the phone number
5.2.7. Not to use the services provided by the Bank for illegal purposes, including to carry out actions/operations aimed at countering or legalizing (laundering) criminal proceeds and financing terrorist or extremist activities;
5.2.8. at the request of the Bank, within 3 (three) business days, provide documents confirming the legality and economic feasibility of the operation / operations in accordance with the requirements of the current legislation of the Republic of Tajikistan.
5.3. The Bank is entitled:
5.3.1. Make a direct debit (without the consent of the Client) from any Client's accounts opened in the Bank in the national currency - TJS, for the services provided at the time of the transaction in the RBS system, as well as writing off the amounts credited incorrectly, in cases of fact erroneous crediting of funds to the account / accounts of the Client, the amounts of any debt of the Client to the Bank, as well as in other cases stipulated by the current legislation of the Republic of Tajikistan;
5.3.2. Refuse the Client to perform a transaction in the RBS system in the event if the Client indicates incomplete/incorrect details of the transaction, violates the terms of its performance, and if the transaction does not meet the legislation of the Republic of Tajikistan, including the requirements of the legislation of the Republic of Tajikistan on combating or legalizing (laundering) criminal proceeds and financing of terrorist or extremist activities, in cases of insufficient funds on the account / accounts of the Client to complete the transaction and / or to pay the Bank's remuneration for the commission the operation to be performed, as well as in other cases stipulated by the current legislation of the Republic of Tajikistan;
5.3.3. If necessary, require the Client to make a document in hard copy with the signature of the Client for the operation. In this case, the Bank will not execute the electronic document until the receipt of the document in hard copy;
5.3.4. If necessary, before executing the Client's orders in the RBS System, recheck them with the Client by phone;
5.3.5. Not to inform the Client if the order was not executed on the basis of the above reasons.
5.3.6. For the security of electronic payments, block access to the Remote Banking Service System to the Client if more than 3 (three) months have passed since the Client last contacted the Bank using the Remote Banking System. Renewal of the Client’s access to the RBS system is made upon a written application of the Client;
5.3.7. Establish bank limits for transactions made through the RBS system. Transactions between different accounts of the same Client in the same currency are not taken into account when calculating this limit.
5.3.8. Require the Client to provide documents confirming the legality and economic feasibility of the operation in cases provided for by the current legislation of the Republic of Tajikistan;
5.3.9. Not to consider the Client’s claims on transactions made by the client with a statute of limitations of more than 10 calendar days;
5.3.10. As a precautionary measure, suspend the execution of Client orders via the RBS System and request appropriate confirmation from the Client.
5.3.11. Unilaterally refuse to conduct operations on the account in cases stipulated by the current legislation of the Republic of Tajikistan;
5.3.12. Unilaterally change the terms of this Agreement, while the methods of notifying the Client may be the following: posting on the Bank’s website www.arvand.tj or in another way (message in the RBS System, by sending a written notice));
5.3.13. Unilaterally terminate this Agreement in cases provided for by the current legislation of the Republic of Tajikistan.
5.4. The Client is entitled:
5.4.1. Use the services in the manner and on the conditions provided for by this Agreement;
5.4.2. Contact the Bank with a request to block the Client’s identification data (username, password, PIN code) in case of unauthorized access or attempted unauthorized access to the RBS System;
5.4.3. If necessary, receive from the Bank a paper-based confirmation (certified copies) of the execution of payment orders for banking transactions made through the RBS System and account statements for the period (at least once a month);
5.4.4. Seek advice on the rules of the RBS System upon request;
5.4.5. Submit a claim to the Bank on a payment made against the will of the client or improperly executed payment immediately after he/she becomes aware of this, but no later than within 3 months from the date of debiting the payment amount from the Client’s account. All other claims regarding operations should be submitted to the Bank no later than within 10 days from the date of the transaction.
5.4.6. On the basis of the application, establish daily limits and limits for one operation within the general limits established by the Bank;
5.4.7. Change the identification data (username, password, PIN code).
6. PROCEDURE FOR SERVICE PAYMENT
6.1. The Client undertakes to pay for the services of the Bank in accordance with the applicable tariffs of the Bank, unless otherwise provided by an additional agreement to this Agreement. Tariffs are placed in operating rooms or on the Bank’s website www.arvand.tj.
6.2. The Client confirms that he has read and agrees with the bank's tariffs and is aware of the need to independently study them at the Bank’s office or website www.arvand.tj.
6.3. The Bank reserves the right to unilaterally change the size and type of commission for the Bank’s services, by notifying the Client through public announcement on the stands in operating rooms and / or by publishing on the Bank’s website www.arvand.tj not less than 10 banking days before the entry into force of the changes.
7. RESPONSIBILITIES OF THE PARTIES
7.1.Parties are responsible for the improper performance of their obligations under the Agreement in accordance with the current legislation of the Republic of Tajikistan.
7.2. The Client is responsible for violation of the Rules for the use of RBS (Appendix No. 1) established by the Bank and this Agreement.
7.3. The client bears the risk and responsibility for failure to comply or improper implementation of the established security and confidentiality measures, as well as the Rules for the use of RBS (Appendix No. 1).
7.4. The client is responsible for observing the rules on the use of payment instruments and the procedure for processing payment documents in accordance with the current legislation of the Republic of Tajikistan.
7.5. The Client is responsible for all operations carried out from the moment of losing the phone number and / or identification data until the moment the Client contacts the Bank in order to block access to the RBS System.
7.6. The Client is responsible in accordance with the current legislation of the Republic of Tajikistan for the safety and confidentiality of the means of access to the System (login, Password and Code), as well as for losses that may occur in the case of unauthorized use of access means or unauthorized operations of third parties.
7.7. When fulfilling the Client’s instructions, the Bank is not responsible for losses incurred as a result of the inability to send electronic messages due to damage to communication channels sending or receiving equipment, as well as delays and errors resulting from a distortion of the text of the transferred orders by means of communication.
7.8.The parties are exempted from responsibility in case of failure to fulfill or improper performance of their obligations under this Agreement, if such failure or improper performance is caused by force majeure circumstances. Force majeure circumstances are extraordinary and inevitable under the given circumstances that occurred after the conclusion of this Agreement and which neither of the Parties could provide for nor prevent in a reasonable way (natural and man-made disasters, armed conflicts, riots, terrorist attacks, etc.).
7.9. The Party, which could not fulfill obligations due to force majeure circumstances, shall within five days inform the other Party of the occurrence and termination of these circumstances. The onset of force majeure circumstances extends the period of fulfillment of the relative obligation for a period the duration of which corresponds to the duration of the circumstances.
7.10. The Bank is not responsible:
7.10.1. for malfunction and / or safety: of equipment, Client software, communications in communication channels, for tools and services provided by a third party (Internet access provider, etc.);
7.10.2. for failure to comply with the Client’s instructions using the RB system if the Client’s account was seized or operations on it were suspended by the Client in the manner prescribed by this Agreement, Bank Account Agreement and / or in accordance with the current legislation of the Republic of Tajikistan;
7.10.3. for receiving information by an unauthorized person if this information was sent by the Bank to the email address indicated by the Client in the application, as well as for changing the Client's email address to receive information without notifying the Bank;
7.10.4. for the lack of access to the System in the event that third parties receive information about the login and Password by any way, in particular, but not exclusively by directly or by inadvertency providing with the Password to third parties by the Client, selecting the Password by third parties, etc.
7.10.5. for providing an access and / or initiating banking operations by third parties, in the event that third parties receive information about the Login, Password and / or Code by any way, in particular, but not exclusively providing by the Client with his/her Login, Password and / or Code to third parties, selection of Login, Password and / or Code by third parties, etc. by directly or by inadvertency.
7.11. In all other cases that are not provided for by this Agreement, the Parties are responsible in accordance with the current legislation of the Republic of Tajikistan.
8. TERMINATION OF THE AGREEMENT
8.1. This Agreement (public offer) is valid until terminated by a written request of the Client to the Bank, or until the date of termination of the Bank Account Agreement / loan agreement.
8.2. The Parties are entitled to terminate this Agreement unilaterally, having notified the other Party in writing at least 7 (seven) business days before the date of its termination, with the obligatory fulfillment of all obligations and mutual settlements under this Agreement.
9. PROCEDURES FOR AMENDMENTS AND ADDITIONS TO THE AGREEMENT
9.1.When changing and / or supplementing the terms of this Agreement, an agreement to amend the terms of this Agreement is reached by the Parties in the following order:
9.1.1. The Bank sends the Client an offer on amendments of its conditions by posting a new version of the Agreement on the Internet on the website at: www.arvand.tj;
9.1.2. The Client’s entry into the System in the prescribed manner is an acceptance of the terms of the Agreement valid at the time of such Client’s entry into the System, i.e. Client's consent to amend the terms of the Agreement is considered to be received;
9.2. Disagreement of the Client with the amendment and addition of the terms of the Agreement (refusal of acceptance) can be expressed within 7 (seven) calendar days by a written refusal of the Client.
10. PROCEDURE FOR SETTLEMENT OF DISPUTES
10.1. Any disputes arising under this Agreement shall be resolved through negotiations.
10.2. If it is impossible to resolve disputes through negotiations, disputes are resolved in accordance with the current legislation of the Republic of Tajikistan.
11. OTHER CONDITIONS
11.1. СThe parties acknowledge that any notices, correspondence, etc. are considered delivered if sent to the addresses indicated in this Agreement. In case of change at the address indicated in the written notice.
11.2. The Parties acknowledge that the RB system used by them under this Agreement is sufficient to ensure reliable and efficient operation in the processing, storage, reception and transmission of information.
11.3. The parties recognize that the technology used is sufficient to protect against unauthorized access, as well as to confirm the authenticity of EPD.
11.4. The Parties acknowledge that in case of loss, theft, transfer to third parties or use by third parties of identification data or access devices, the Client will be responsibility for unauthorized access to the system.
11.5. In all other cases not provided for by this Agreement, the Parties shall be governed by the Bank Account / Loan Agreement and / or the applicable legislation of the Republic of Tajikistan.
DETAILS OF THE BANK
Closed Joint Stock Company Bank «Arvand»
735 700, Tajikistan,
Khujand, Sughd region
1 A, I. Somoni avenue
Appendix No.1 to the Agreement on the connection of remote banking (Internet-Banking / Mobile-Banking) for individuals - public offer
RULES FOR USE OF RBS FOR INDIVIDUALS
Security requirements for the Client:
1.1. ensure confidentiality with respect to Client’s workplace for working in the RBS system of Client’s safety certificates, logins and passwords for the operating system of the Client’s workplace;
1.2. after completing work in the RBS system, correctly terminate work using the “Exit” softkey;
1.3. disable the autorun function of removable storage media in the operating system of the workstation for working in the RBS system (“flash media”);
1.4. connect the Client’s workplace for working in the RBS system to the Internet only during operations with the RBS system;
1.5. before entering your personal account, make sure that a secure connection via https is established precisely with the Bank’s official website (http://www.arvand.tj);
1.6. ensure that users of the system have an account in the password-protected operating system at the workplace;
1.7. not to save the password in text files on a computer or on other storage media;
1.8. not to use the workplace to connect to social networks on the Internet, to forums, conferences, chat rooms, phone services and other sites containing potential malware, as well as to read mail and open mail documents from recipients that are not trustworthy;
1.9. not to disclose or disclose logins and passwords to third parties, including employees of the Bank (including when contacting unidentified persons on behalf of the Bank by phone, e-mail, via SMS);
1.10. не сохранять логины и пароли в текстовых файлах на жестком диске рабочего места Клиента, либо на других электронных носителях информации.
Recommendations to the client on security compliance:
2.2. to use a dedicated workplace to work with the RBS system;
2.3. to ensure the functioning of the licensed (non-counterfeit) operating system at the workplace and its timely update in accordance with the recommendations of the developing company in order to eliminate the vulnerabilities identified in it that allow access to confidential information;
2.4. to ensure that licensed (non-counterfeit) anti-virus software operates at the Client’s workplace and is updated in a timely manner in accordance with the recommendations of the developing company in order to prevent malware from infecting the Client’s workplace, which could provide unauthorized third parties with access to the RBS system;
2.5. to ensure the functioning at the workplace of licensed (non-counterfeit) security software in the mode of blocking unauthorized remote access to the workplace from the Internet and the local network of the Client;
2.6. to restrict access to a personal computer/device and ensure that there are minimal rights to change the configuration of the operating system of the workplace (having administrator rights is undesirable);
2.7. not to work in the RBS system on the Internet, using a connection source from places that are not trustworthy (Internet cafes), or using public communication channels (free Wi-Fi, etc.);
2.8. to pay attention to any changes and errors in the software during the establishment of a connection in the Bank's RBS system or in the operation of the RBS system, if there is any doubt about the correct operation of the RBS system, immediately stop working and contact the Bank in order to establish the absence / presence of unauthorized operations,
2.9. to move to https://www.arvand.tj/ru/oferta-na-distancionnoe-obsluzhivanie.html only by a link from the official website of the Bank (www.arvand.tj);
2.10. in case of browser warnings about redirecting to another site when connecting to the RBS system, postpone the transaction and contact the Bank in order to establish the reason for the redirect.
2.11. to inform authorized employees of the Bank of any attempts to find out the password in the RBS system;
2.12. to regularly check the history of transactions and statements to track errors or unauthorized transactions on the account;
2.13. not to leave the site where electronic operations are carried out, even if the personal computer is left unattended for a short time;
2.14. not to forget to log out after electronic transactions; Before performing any online operations or providing personal information, to make sure that the correct web page of the RBS system is used. Beware of fake fraudulent web pages;
2.15. Identification data is strictly confidential information and should be known only to the Client. Disclosure of Identification Data may lead to unauthorized access to the Client’s funds. If there is a suspicion that the Identification Data has become known to third parties, the Client must go to the RBS Personal Account and independently change the identification data (login, password, etc.).
2.16. Before entering the system, make sure that the web page is secure by checking for Unified Resource Locators (URLs) that must begin with “https” and the sign of a secure connection should appear on the status of the Internet browser;
2.17. operations on payment for various services, managing his/her accounts opened with the Bank, and other operations in the Mobile Banking system are carried out by the Client using the Mobile application.
2.18. To use the “My Arvand” Mobile Application, it must be downloaded from the market (Google Pli-iv, ArpStoge), corresponding to the operating system (Android / iOS, respectively) of the mobile device.
2.19. in case of loss, theft of a mobile device, need to immediately contact the Bank's Call Center, or contact the Bank in person.
2.20. failure to comply with the above requirements and recommendations will be the basis for assignment responsibility for the disputed transactions through the RBS system to the Client.
2.21. for the safe use of the Mobile-Banking service from a mobile device of general (non-personal) use, it is recommended to ensure the confidentiality of the information entered from the keyboard and received on the screen, and upon completion of work - correctly exit the system (for this, select the "Exit" command in the menu Mobile Banking services).