"you", "your" or "yourself" means CIMB Bank's customer in whose name one or more Accounts are held with CIMB Bank and to whom a Card and PIN has been issued and each person who uses or is authorised to use an Internet e-Pin, Internet Banking Password, One Time Password and a CIMB Clicks User ID or other means of access as may be established or approved by CIMB Bank. 4.5 CIMB Bank shall not be liable for any failure to complete or execute a Transfer or Payment instruction where: (a) you have an insufficient balance in your Accounts or insufficient overdraft lines of credit to transfer or pay the relevant amounts or to transfer or pay any fees, charges, expenses and interest that may be imposed by CIMB Bank from time to time for the use of the Banking Services; (b) your relevant Account is to be made subject to any legal process or other otherwise claim restricting such transactions or where the same is/are otherwise frozen, closed or suspended for any reason whatsoever; (c) the relevant Payee Corporation does not process your Payment promptly and/or correctly; (d) you have provided CIMB Bank with inaccurate or incomplete instructions or information relating to, among others, the amounts to be paid or transferred and the details of the beneficiary accounts or Payee Corporations to which such monies are to be transferred or paid to or the status of the beneficiary account is invalid and/or is covered under (b); (e) there is an error in the information or instructions given by you during the course of transmission through the Electronic Channels; (f) you fail, neglect, omit or otherwise choose not to follow the latest or current instructions, procedures and directions for using the Banking Services; or (g) CIMB Bank knows or has reason to believe that a fraud, criminal act, offence, or violation of any law or regulation has been or will be committed. (d) If by display (whether at CIMB Bank's premises or on CIMB Bank's website or CIMB Clicks) upon such display being made. 23.5 Even if CIMB Bank have agreed otherwise in any other agreement relating to the Deposit Account either with you alone or with any other person, CIMB Bank shall be entitled to retain the balance on your Deposit Account for up to 90 days after the date when your Deposit Account is closed or terminated (whether by you or by CIMB Bank). 4.19 The rates for FX Transactions via the Electronic Channels are non-negotiable. "ATM" means an automated teller machine installed by CIMB Bank or a Partner Bank. Visit the CIMB SG website to view these offers. (t) Any damage to or loss or inability to retrieve any data or information that may be stored in your Card or any microchip or circuit or device in your Card. 23.2 CIMB Bank may debit your Deposit Account for all authorised Retail Purchasing transactions. As the Card remains the property of CIMB Bank, CIMB Bank shall have the right to retain possession of the Card. (o) Your failure, neglect or omission to act in accordance with the terms and conditions of this Agreement and any other rules, regulations, policies and guidelines currently in force. You shall also not hack, gain unauthorised access or attempt to hack or attempt to gain unauthorised access, whether directly or indirectly, into CIMB Clicks, any other customer's accounts and/or the Banking Services for any purpose whatsoever. 20.2 You may use your Card in the manner and for the purposes prescribed by CIMB Bank from time to time. You will be required to make an Account Linking Request through CIMB Clicks. Where applicable, CIMB Bank may set aside or hold such monies for up to 10 days after which CIMB Bank shall debit your Account for the full amount of the transaction. 2.15 CIMB Bank has the right to invalidate your Security Information and/or Card at any time and without prior notice and without being obliged to provide any reason for such invalidation or to respond to any request for information from you. InterpretationIn this Agreement: (a) references to Clauses are to clauses of this Agreement; (b) words importing a gender include every gender; (c) headings are for convenience only and shall not affect the interpretation hereof; and (d) unless the context otherwise requires or permits, references to the singular number shall include references to the plural number and vice versa and references to natural persons shall include bodies corporate. Get your very own CIMB Preferred Current Account today. The rates published by CIMB Bank are for indicative purposes only. Any non-written notices or communications shall be given to CIMB Bank at your risk and CIMB Bank shall not be responsible for any loss or damage that you may suffer as a result of such notices or communications. 24.7 You shall not use the Electronic Channels and the Banking Services for withdrawal or transfer of funds unless there are sufficient funds in your Accounts for such purpose. CIMB Bank makes no warranties as to the status of this link or information contained in the website you are about to access. 1.4 CIMB Bank has the right to invalidate your CIMB Clicks User ID, your Internet Banking Password, SMS-OTP, the OTP-Token, the PIN and/or the Card at any time and without prior notice and without being obliged to provide any reason for such invalidation or to respond to any request for information from yourself. Shariah-compliant equivalent available. 15. Does anyone have CIMB Fastsaver account referral code? (d) Any failure or delay caused by your internet browser or other software, computer virus or related problems. 4.18 Certain instructions such as Transfers to a CIMB Bank branch in Malaysia will be processed electronically but will be effected only when rates for FX Transactions are available and when the counter-party's systems are available for such Transfers. For non-account holder, payment in foreign currency is subject to Bank’s approval. Enjoy an interest rate of up to 0.8% p.a. (d) By display at CIMB Bank's premises, including those of its branches. (c) By facsimile, email or other forms of instantaneous communication to your last known contact number or email address in CIMB Bank's records. 19. Don't have a CIMB Credit Card just yet? "PIN" means a personal identification number assigned to you or selected by you for use in conjunction with your Card as may be changed by you from time to time. 22. 11.4 All notices from you to CIMB Bank shall be effective only upon CIMB Bank duly recording the same in its records. Get full details here. Banking Anywhere, Anytime with CIMB Internet Banking Service 11.3 All notices and communications from you to CIMB Bank shall unless specified herein, be in writing, signed by you and sent to CIMB Bank at CIMB Bank's address as specified herein or any other address as may be notified to you from time to time. "GST" means any goods and services tax, including any tax of a similar nature that may replace it or be levied in addition to it, by whatever name called. Set-off and Consolidation 16.1 CIMB Bank shall be entitled at any time and without notice to you to combine or consolidate the monies in your Accounts (whether matured or not) and/or set off or transfer any sums standing to the credit of Accounts (whether matured or not) towards the repayment of sums owed by you to CIMB Bank regardless of whether Accounts and/or your access to and use of the Electronic Channels and/or the Banking Services or any part thereof has been terminated or whether the balance owed to CIMB Bank has become due or payable. 3.6 If CIMB Bank decides to act upon and/or carry out any instructions or is otherwise under an obligation to act upon and/or carry out any instructions, CIMB Bank shall be allowed such amount of time to act upon and implement any instructions as may be reasonable having regards to the systems and operations of CIMB Bank and any other circumstances then prevailing and accordingly CIMB Bank shall not be responsible or liable for any loss arising from any delay on the part of CIMB Bank in acting upon and/or carrying out any such instructions. "CIMB Clicks" means the internet website www.cimbclicks.com.sg or any other Electronic Channels. CIMB Bank may debit your Account for such GST including default interest payable in the same manner as may be provided in this Agreement or in any other agreement for credit facilities and/or any other charges as CIMB Bank may prescribe from time to time even if such debiting results in the Account becoming overdrawn. for account balances from S$75,000 - S$100,000 CIMB FastSaver is a fuss-free savings account which doesn't need you to credit your salary, spend any amount with credit cards, or even buy any insurance or investment products. Sign up for one now to receive S$100* Cash Credit, and earn an extra 100 bonus chances to win! Enjoy banking convenience with a wide range of savings accounts that suit your daily banking needs. 8.7 You shall co-operate and assist CIMB Bank in the conduct of its investigations. Select your preferred browser below and upgrade now! 8.5 CIMB Bank shall endeavour to investigate the report or complaint or answer the query as soon as practicable or in any case within 10 Business days of receipt of such report, query or complaint or where a written report, query or complaint is requested by CIMB Bank, within 10 Business days of receipt of such written report, query or complaint. Any losses that may arise from such conversion shall not be recoverable from CIMB Bank. 7.3 In submitting to CIMB Bank any application, instructions or in continuing with the Accounts or the use of the Banking Services, you shall be deemed to have conferred upon CIMB Bank in such application or by such conduct as the case may be your due authorisation and permission for such disclosure in accordance with the terms hereof. Open an account today with CIMB. 9.2 Without limiting the generality of Clause 9.1, CIMB Bank shall not be liable for any loss suffered by you or any other person caused by or arising from one or more of the following events or matters howsoever caused or incurred: (a) Any malfunction, defect in, breakdown, disruption and/or failure of any telecommunications, computer, terminal, server, device, software, hardware and/or system whether or not owned, operated or maintained by you, CIMB Bank or any other person, including but not limited to the failure of any such equipment or system to accept, recognise or process any Internet e-Pin, CIMB Clicks User ID, Internet Banking Password, One Time Passwords, PIN, Card or instruction. You shall promptly report to CIMB Bank the loss of your OTP-Token. In spite of the non-delivery or non-performance or defects in any such goods and services you shall pay CIMB Bank the full amount shown in the relevant statement. 22.3 The total charges incurred under your Account shall not exceed the Spending Limit. Statements, Confirmation And Advice Where CIMB Bank sends or delivers to you a statement, confirmation or advice, you shall verify each and every such statement, confirmation or advice and shall give CIMB Bank written notice of any error or omission in any such statement, confirmation or advice within 14 days from the date of the said statement, confirmation or advice. 12.6 Upon termination of your Accounts and/or access to and use of the Electronic Channels and/or the Banking Services or any part thereof you shall not use or attempt to use, as appropriate, the Internet e-Pin, CIMB Clicks User ID, Internet Banking Password, One Time Passwords, PIN, Card and any other information related to the security of your access to and use of the Electronic Channels and the Banking Services. 3. 20.4 You shall not pledge the Card or use it in any other way as security for credit or other such facilities. Fees and Charges 6.1 Notwithstanding your obligations to pay any fees and charges under any agreement relating to your Accounts, you shall pay to CIMB Bank all fees, commissions and all other charges at such rates and in such manner as CIMB Bank may impose from time to time with respect to any of the Banking Services. 2.5 Subject to Clause 2.7, until CIMB Bank receives and logs notification given pursuant to Clause 2.4 you shall be liable for all transactions which are conducted through the Electronic Channels using Security Information and/or Card, whether or not the same were conducted or authorised by you and CIMB Bank shall, if necessary, debit the relevant Account for such transactions. Be cautious of phishing websites targeting CIMB Singapore customers. Always protect your personal information and safeguard your Credit Cards, PIN & Authentication code.Click here for Do's & Don'ts. 20. 17. CIMB Bank may change such time without notifying you of such change. From 1 January 2012 onwards, in accordance to the MAS notice on the "Sale of Investment Products", all broking firms are required to conduct Customer Knowledge Assessment on clients trading in unlisted Specified Investment Products such as CFDs. CIMB Bank shall determine the time within a given Business day when an instruction shall be effected. When will the scheduled transactions for fund transfers to CIMB Bank Singapore accounts be processed? Follow these steps to do the Account Linking Request through CIMB Clicks: 1. Note:  Such additional services do not form part of CIMB Bank's legal relationship with you and CIMB Bank may withdraw or change these services at any time without notice to you. 2.6 Upon CIMB Bank's receipt and logging of your notification made pursuant to Clause 2.4, CIMB Bank may suspend your access to the Electronic Channels and the Banking Services until new Security Information and/or Card is issued and the issues are resolved to the satisfaction of CIMB Bank. "Payee Corporations" means the corporations and billing organizations approved by CIMB Bank to which Payment can be made as may be added and varied from time to time and displayed under 'Payee List' on CIMB Clicks. (u) The consequences of the failure of any attempted transaction in respect of a type of account not permitted under this Agreement. Access multiple accounts through a single login With a single login, clients with Cash Trading account, Cash Upfront Trading and Margin Trading account can … 6.3 CIMB Bank may debit your Accounts for the payment of any fees and charges imposed pursuant to this Agreement including any government charges, stamp duties or taxes payable as a result of your access to and use of the Electronic Channels and the Banking Services. 2. "Partner Bank" means a bank with which CIMB Bank has an agreement which allows CIMB Bank's customers access to and use of such bank's network of automated teller machines. CIMB Bank Group means any subsidiary, holding company and subsidiaries of the holding company; (j) to any government agency or authority or courts of the jurisdiction where any of CIMB Bank's overseas branches is situated; (k) to any person or organisation for the purpose of collecting or recovering on CIMB Bank's behalf, or securing for your benefit or repaying on your behalf, any sums of money owing to CIMB Bank from you; (l) to banks, credit or charge card companies or merchants in credit or charge card enquiries; (m) to outsourced agents appointed by CIMB Bank for the purpose of making, printing, mailing, storing microfilming and/or filing personalised cheques, statements of accounts, cards, labels, mailers or any other documents or items on which your name and/or other particulars appear, or any data or records or any documents whatsoever; (n) to any information garnering or processing organisation or department or consultant conducting surveys or analyses or developing system applications on CIMB Bank's behalf; (o) to any person or organisation for the purpose of marketing or promoting any services or products; and (p) to VISA International, MasterCard International or American Express International. 5.7 You shall keep yourself informed and updated of CIMB Bank's applicable policies and practices and other terms applicable to your Accounts and the Banking Services as provided by CIMB Bank to you. (b) If by ordinary post, two days after posting. 4.16 In the event an instruction requires CIMB Bank to purchase another currency (an "FX Transaction") the rate at which such FX Transaction shall be carried out will be the rate that applies when the FX Transaction is carried out and not the rate that applies when the instruction is submitted. You’ll be able to accrue interest as long as you have a minimum balance of S$5,000. Be cautious of SMS scams targeting bank customers. Upon receipt of your Card, you should sign the Card if you intend to use it. 19.3 For the avoidance of doubt CIMB Bank shall not be obliged to act on any instructions or message sent through the Secure Messaging Service or otherwise. Should you not accept any fees or charges, you shall cease to use the Banking Service to which such fees or charges relate. CIMB Clicks is an Internet Banking portal that is accessible via the website (www.cimbclicks.com.sg) or on mobile (via CIMB Clicks Singapore app on iPhone or Android) by all CIMB Bank Singapore’s retail banking customers who possess a Singapore-Dollar Current Account or Savings Account. An administrative fee for services provided or actions taken by CIMB Bank in relation to such foreign currency transactions shall be payable by you and debited to your Deposit Account. 4.9 On the date of effecting payment pursuant to an instruction, CIMB Bank reserves the right to determine the priority of this payment order against cheques presented or any other existing arrangements with CIMB Bank. 3.5 CIMB Bank reserves the right to refuse to carry out any instructions given by you for any reason, including without limitation, where such instructions are in violation of any of the terms and conditions of this Agreement or are inconsistent with any of CIMB Bank's policies and other rules and regulations as may be in effect from time to time. Commission-in-lieu of exchange is applicable when there is no foreign exchange involved. 5.3 You shall furnish CIMB Bank with complete, accurate and timely data, information and instructions in relation to or in connection with any transactions made through the Electronic Channels. 24.2 Where a transaction or the debiting or crediting of an Account in connection with a transaction requires the conversion of one currency into another, CIMB Bank shall effect such conversions at the rate determined by CIMB Bank. (n) Your inability to perform any transactions due to limits set by CIMB Bank from time to time. 24.9 CIMB Bank may provide additional services, benefits or programs in connection with the use of your Cards. 4.13 Standing Instructions will remain effective nothwithstanding your death or bankruptcy / liquidation until notice of such death or bankruptcy / liquidation is received by CIMB Bank at which time CIMB Bank may stop such Standing Instructions. A replacement fee is payable by you for the new Card and PIN issued to you. 4.3 CIMB Bank may specify limits on the number of transactions you may make using CIMB Bank's Transfer and Payment services and the amounts to be so transferred or paid under the same. Application to use the Banking Services 1.1 Your application to use the Banking Services shall be made on such forms and in accordance with any procedures and directions as may be prescribed by CIMB Bank from time to time. Within 3 days, you will be able to view your account. (s) The rejection of your Card or PIN by a merchant or any terminal used to process card transactions or if CIMB Bank refuse for any reason to authorise any transaction using your Card. 4.17 Certain instructions such as for telegraphic transfers will not be processed on the Business day on which such instruction is received by CIMB Bank but on one of the following Business days depending on the nature of the instruction. 4. Getting started – Account Criteria for opening a CGS-CIMB Contracts for Difference ("CFD") account. 7.4 Though CIMB Bank shall endeavour to ensure the security of information which is transmitted through the Electronic Channels, CIMB Bank does not make any warranties in respect of the same and you hereby accept the risk associated with the use of the Electronic Channels including but not limited to the risk that all information transmitted through the Electronic Channels may be accessed by unauthorised persons and accordingly you shall not hold CIMB Bank responsible or liable for any such unauthorised access or theft of information or any loss resulting therefrom. 3. 4.12 Any alterations or cancellations to a Standing Instruction should reach CIMB Bank at least one week before the next recurring payment is due to be made. (f) Any intrusion, interference or attack by any person, computer virus or other harmful components or deleterious programs or files (including, without limitation, those commonly known as Trojan horses, worms and macros). All rights reserved. 7. "Deposit Account" means the Account linked to your Card. 1.3 Upon the approval of your application to use the Banking Services you accept that you have read, understood and agreed to be bound by the terms and conditions of this Agreement and you accept all inherent risks associated in conducting any transactions through the Electronic Channels. Current account today shall promptly report to CIMB Bank may debit your Deposit account 23.1 your Deposit for. Delay caused by your Internet browser or other instantaneous communication, when dispatched within!, under this Agreement ; Quick and easy application approved, you will be required to link CIMB. 20.4 you shall not effect or attempt to effect any Retail Purchasing transactions and/or! 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