User Data Validation

KMBL Internet Banking (Terms & Conditions)

To utilize Khushhali Microfinance Bank Limited ("KMBL or the Bank") Internet Banking Service, you (customer) shall be asked to choose your own User ID and Password as per the Bank's User ID and Password Policy. The user ID and Password will both be used to identify you whenever you access the KMBL Internet Banking Service. You must ensure that you personally and exclusively access, operate alone and give instructions on your accounts using the KMBL Internet Banking Service. In case of joint accounts the primary user is not authorized to share his/her password at any time with the secondary user.

1. KMBL recommends you to change your Password regularly (at least once in 90 days) and shall do so whenever the KMBL Internet Banking Service prompts you to do so. You should not choose a Password you have already used before;

2. While choosing a new password, you must avoid choosing a password that is likely to be guessed by anyone trying to access your KMBL Internet Banking Service, For example, you should avoid your own or a relative's birthday, pet's name, employee ID, Car registration number or part of your telephone number

3. You must take all reasonable steps to ensure that you safeguard your Password at all times.

4. You must not share any details of your Credentials to anyone else, including any member of KMBL staff, or someone giving assistance on a technical helpdesk in connection with the KMBL Internet Banking Service.

5. You must immediately change your password of KMBL Internet Banking, If you discover or suspect that your Password or any part of it is known to someone else, If this is not possible, you must notify KMBL immediately by calling at (051) 111-047-047 (or any other number KMBL may notify for this purpose from time to time), thereafter, KMBL Internet Banking Service shall be suspended until a new Password is set up after the activation of Internet Banking Service.

6. You must take all reasonably practicable steps to ensure that Your System is free of any computer virus or similar software such as Trojan horses and worms (together "Viruses") and is adequately secured and maintained in every way.

7. You must keep your Antivirus updated, and you must have your system's firewall enabled.

8. you must not record your Security Codes in a way that could make them recognizable by someone else as Security Codes;

9. You also agree that your entire telephone conversation with the authorized representative may be recorded at the discretion of the Bank for any particular purpose including use in the court of law for evidence purposes. There shall be a process of call back confirmation incase the mailing address provided by you does not match the mailing address in KMBL systems.

10. You also agree that the Bank is authorized to share your personal information (PII/Account or Internet/mobile banking information) with Regulatory Authorities / Law Enforcement Agencies upon their request as per Law of the Land.

11. You must not access the Service from any device connected to a local area network (or LAN), such as an office environment, without first making sure that no one else is able to observe or copy your access or obtain access to the Service pretending to be you.

12. KMBL shall not be liable for misuse of your Password by someone to give unauthorized instructions purporting to come from you provided that you prove to KMBL satisfaction that you have:

13. you will be held liable for all losses and expenses due to unauthorized use if you have acted fraudulently or, with gross negligence, with intentional misconduct or if you are in default of any of the security obligations

14. The Customer shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any person voluntarily, accidentally or by mistake.

15. The Customer is responsible for the correctness of information supplied to KMBL for use of the Internet Banking. KMBL accepts no liability for any consequences whether arising out of erroneous information supplied by the Customer or otherwise.

16. The Internet is susceptible to a number of frauds, misuse, skimming, hacking and other actions that could affect transaction. Whilst the Bank shall aim to provide security to prevent the same, there cannot be any guarantee from such Internet frauds, misuse, skimming, hacking and other actions that could affect the fund transfer or any other payments. The Customer separately indemnifies the bank against all such and other risks arising out of the same.

17. You agree that you are entirely responsible for any and all activities that occur using your Password whether or not you are the individual who undertakes such activities

18. You may not use any device software or routine to interfere or attempt to interfere with the proper working of the Internet Banking or a transaction relating to it.

19. You acknowledge that internet based communications might not be totally secure and despite best efforts there remains the risk of unauthorized access and hacking, skimming. Bank, therefore, does not assume any liability for unauthorized invasion of the Internet Banking by third party or corruption of the data.

20. Nothing on this Internet Banking should be interpreted to be any invitation or offer relating to an investment or to engage in any other transaction. Bank assumes no risk or responsibility as regard use of the contents of the Internet Banking including the information or communication from any cyber linked sites.

21. All contents of the Internet Banking including contents within the Internet Banking, such as text, graphics, icons, images and software ("Materials") is the exclusive property of Bank and Bank is authorized to view and download the Materials of this Internet Banking only for your own use. The Materials may not be modified in any way or reproduced or displayed or used for any public or commercial purpose. The trademarks, site marks and logos used and displayed on the Internet Banking are the property of Bank. Nothing on the Internet Banking should be construed as granting any license or right to use mark, site marks or logos without written permission of Bank.

22. You hereby request the bank to activate your internet /mobile banking services and you further agree & authorize the bank to activate your internet /mobile banking services as per your request.

23. You also agree to perform the following electronic funds transfer services through KMBL's internet/mobile channel with your own consent & risk:

i. Internal Funds Transfer

ii. Inter Bank Funds Transfers

iii. Bill Payments

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