1. Acceptance of these Terms
These Terms of Service (“Terms”) govern your use of the PaneFinance Bank website and online services, including internet banking (together, the “Services”). By using the Services you agree to these Terms. If you do not agree, please do not use them.
Individual accounts and products, such as current accounts, cards, loans and mortgages, are also governed by their own agreements and fee schedules. If those conflict with these Terms for that product, the product agreement applies.
2. Who can use the Services
- You must be legally old enough to enter into a banking contract where you live.
- You must give accurate, complete and current information and keep it up to date.
- You must complete identity verification and the other checks we are required to carry out.
- If you use the Services for a business, you must be authorised to act for it and to appoint other users.
3. Your account and security
You are responsible for keeping your login details, passwords, devices and security codes safe. Do not share them with anyone.
- Use a strong and unique password.
- Tell us immediately if you think your details have been lost, stolen or used without your permission.
- Remember that we will never ask for your password by email, phone or chat.
We may suspend or restrict access if we reasonably believe it is needed to protect you, us or others from fraud or misuse, or to comply with the law.
4. Acceptable use
You must not use the Services to:
- break the law, or take part in fraud, money laundering, terrorist financing or sanctions evasion;
- impersonate another person or give false information;
- try to gain unauthorised access to the Services, accounts or systems, or interfere with their security;
- introduce viruses or other harmful code;
- copy, scrape or reverse engineer the Services, except where the law allows; or
- use the Services in a way that harms us, other customers or third parties.
5. Payments and transactions
When you give us a payment instruction, you confirm that it is accurate and authorised. Some transactions are subject to limits, cut-off times and checks, and may be delayed, declined or reversed where we need to comply with the law, investigate suspected fraud or correct an error.
Please check your accounts regularly and tell us promptly about any transaction you do not recognise.
6. Fees and charges
Any fees that apply to an account or service are set out in the relevant product terms or fee schedule, which we will make available to you before you commit. Third parties, such as other banks or payment networks, may charge their own fees.
7. Our website and content
The content, design, logos and software of the Services belong to PaneFinance Bank or its licensors and are protected by intellectual property laws. We give you a limited, personal, non-transferable licence to use the Services for their intended purpose. Nothing in these Terms transfers any ownership rights to you.
8. Availability
We work to keep the Services available, but we cannot promise that they will always be uninterrupted or error-free. We may carry out maintenance, make changes or suspend features, and events outside our reasonable control may affect availability.
9. Information and advice
Information on this website is general and is not financial, legal or tax advice. Product details, rates and features may change and are subject to eligibility and approval. Please speak to us or to an independent adviser before making financial decisions.
10. Liability
To the extent the law allows, we are not liable for losses that result from events outside our reasonable control, from your failure to keep your security details safe, from your breach of these Terms, or for indirect or consequential losses.
Nothing in these Terms limits our liability for fraud, for death or personal injury caused by our negligence, or for anything else that cannot be limited under the law that applies to you, including consumer protection laws.
11. Privacy
Our Privacy Policy explains how we handle your personal information. Please read it together with these Terms.
12. Suspension and ending your use
You can stop using the Services at any time, and close your accounts under the terms of the relevant product agreement. We may suspend or end your access, or close an account, where you breach these Terms, where we are required to by law or a regulator, or where we reasonably suspect fraud or misuse. Where we can, we will give you notice.
13. Changes to these Terms
We may change these Terms, for example to reflect changes to our Services or the law. We will post the updated Terms here and change the date at the top of this page, and where the law requires we will give you advance notice. If you keep using the Services after a change takes effect, you accept the updated Terms.
14. Governing law and complaints
These Terms are governed by the law of the country in which the PaneFinance Bank office that provides your account is located (Indonesia, South Korea or Vietnam), without affecting any mandatory consumer protection rights you have under the law of the country where you live.
If you have a complaint, please contact us first so that we can try to resolve it. You can also contact the financial or consumer authority in your country.
15. Contact us
Questions about these Terms? Email support@panefinanceltd.com, write to PaneFinance Bank, Head Office, Jakarta, Indonesia, or use our contact page.