PNB Digital Banking Service Terms and Conditions

Summary of Changes as of April 5, 2022

Changes made on April 5, 2022
Section	Change
6.0	Updated and added provisions to include time deposit 6.1 The Client may inquire about the account balances of his/her current, savings and time deposit accounts. 6.2 The Client may add his/her other PNB current, savings, time deposit accounts and/or credit card to PNB Digital by providing the correct account details. The Client will receive an OTP sent to his/her registered mobile number with either PNB for deposit accounts or PNB Cards for credit cards.
Changes made on August 6, 2021
Section	Change
4.0	Revised and additional provisions under Security The Bank may collect and retain information such as, but not limited to, the device name, model and details, operating system version, mobile service provider, country code, browser, Internet Protocol (IP) addresses, Global Positioning System (GPS) location and other relevant security information as a result of using PNB Digital. This set of information will be used by the Bank to provide additional security, upgrade on feature and enhancement of customer experience in PNB Digital. The Bank shall implement the proper security measures as well as authentication or verification technologies and services for the Client’s secured use of PNB Digital, however, the Bank does not assure that such measures technologies and services will be completely secured, adequate or successful to prevent any unauthorized access, hacking or identity theft. The Client shall still be responsible to ensure that he is connected to a secured network while using PNB Digital. The Bank shall not be liable for any loss, damage or liability to the Client and/or any third party arising from or in connection with any fraudulent, unlawful or unauthorized use of PNB Digital resulting from the Client’s act, fault or negligence, such as, but not limited to: loss of mobile phone; unauthorized disclosure of mobile phone number, email, password, OAC, PIN or OTP; unauthorized use of biometrics/security features/credentials.
6.5	Updated provisions for the generation and use of QR Codes The Client may generate a QR Code of any of his/her qualified Peso-denominated deposit accounts enrolled in PNB Digital, in order to request and receive funds transfers from third-party account without revealing his/her account number. The QR Code contains the Client’s account number and the account name or nickname set by the Client. The QR Code may be shared by the Client to any third-party or saved by the Client on his/her device for future use. The Client shall be fully responsible for ensuring that the name or nickname set for the QR code generated is accurate, correct and does not intend to misrepresent any person or entity. The Bank shall not be liable for any loss, damage or liability to the Client and/or any third party arising from fraudulent or unlawful use or misuse of the QR Code services. The Client undertakes to indemnify the Bank from any third-party claims arising from fraudulent or unlawful use or misuse of the QR Code services.
6.10	Updated provision on availability of any PNB Digital features and/or service The Bank does not guarantee the continuous availability of any PNB Digital features and/or services. The Bank in its sole determination reserves the right to terminate or suspend any PNB Digital feature and/or service subject to prior notice.
12	Updated provision on client’s acceptance to any succeeding modifications, amendments and revisions to the Terms and Conditions PNB hereby reserves the right to modify, amend and revise these Terms and Conditions as may be applicable to accommodate new or existing features or services of PNB Digital, which will take effect immediately after notice or publication. The Client’s continued access and use of PNB Digital will constitute his/her acceptance of the modification/s, amendment/s or revision/s of these Terms and Conditions. All terms and conditions of the Client’s existing deposit account/s or credit card/s with PNB shall remain in full force and effect.
Changes made on June 7, 2021
Section	Change
2.0	Expanded definition of third-party account to include Accountholders from other financial institutions Third-party Account – refers to an account maintained and owned by another person either in PNB or a different financial institution.
3.3	Updated provision of Joint-Or Accountholder enrollment For enrollment of eligible “joint or” deposit accounts, each and every Accountholder shall be jointly and severally responsible for all transactions involving the use of PNB Digital and the terms and conditions herein shall be jointly and severally binding on each and every one of the Accountholders. Both the Primary and Secondary Accountholder will be allowed to sign-up. The Client warrants that he/she has obtained the consent of his/her co-depositors prior to enrollment under PNB Digital. For Joint-or Secondary Accountholder enrollment, the OAC and OTP will be sent to the Primary Accountholder’s registered e-mail address and mobile number respectively. All subsequent OTPs and e-mail notifications on transactions made by the Secondary Accountholder will be sent to the Secondary Accountholder’s registered mobile number and e-mail address respectively.
6.2	Updated provision in adding of account for Joint-Or Accountholder For enrollment of eligible “joint or” deposit accounts, each and every Accountholder shall be jointly and severally responsible for all transactions involving the use of PNB Digital and the terms and conditions herein shall be jointly and severally binding on each and every one of the Accountholders. Both the Primary and Secondary Accountholder will be allowed to add his/her other PNB current or savings accounts. The Client warrants that he/she has obtained the consent of his/her co-depositors prior to enrollment under PNB Digital. If the Secondary Accountholder adds an account, the OTP will be sent to the Primary Accountholder’s mobile number. All subsequent OTPs and e-mail notifications on transactions made by the Secondary Accountholder will be sent to the Secondary Accountholder’s registered mobile number and e-mail address respectively.
6.4	Updated provision for bills payment to include credit card as source of payment In accepting bills/merchandise/service payments, the Bank merely acts as the conduit of the Client and the payee institution/merchant. The Client hereby authorizes the Bank to debit his/her deposit account or charge his/her credit card for the payment to the payee institution’s or merchant’s account. For bills payments made using the credit card, the amount paid for completed transactions will be deducted from the available limit of the credit card used upon approval of the request. Payment will be reflected on the next statement cut-off just like a regular payment transaction made via credit card.
6.5	Updated provision for include transfers to other banks (third-party accounts) using QR code The Client may generate a QR Code of any of his/her qualified Peso-denominated deposit accounts enrolled in PNB Digital, in order to request and receive funds transfers from a third-party account without revealing his/her account number.The QR Code contains the Client’s account name and account number and may be shared by the Client to any third-party accountholder or saved by the Client on his/her device for future use. The Client may also perform a funds transfer transaction by scanning a third-party account QR Code using his/her device’s camera or by selecting a valid QR Code image from his/her device gallery.
Changes made on May 6, 2021
Section	Change
1.0	Updated last paragraph in declaration Furthermore, the Client, in accessing or using PNB Digital hereby consents to the collection, use, processing, transfer, sharing, consolidation, management, and disclosure of his/her personal data and other information, to the extent necessary and appropriate, by PNB, its subsidiaries and affiliates, authorized representatives or agents, service providers and/or selected third parties in accordance with Section 11. If the Client is providing the Bank with any information relating to a third party, including personal data as defined under Applicable Law, by proceeding or continuing herein, the Client represents and warrants to the Bank that he/she has obtained all necessary consents and authorizations for the respective purposes and related transactions in accordance with Section 11.
2.0	Updated definition of terms Credit Cardholder – refers to an individual who maintains a credit card with PNB. Client – refers to the PNB Accountholder, PNB Credit Cardholder, or the person accessing or using PNB Digital
3.0	Credit Card Eligibility 3.1 The Client may use PNB Digital by using/linking his/her active deposit account/s or credit card/s upon creation of his/her online access thru online enrollment. 3.2 Clients enrolled under PNB Digital will be able to use its facilities. The Client has the option to subsequently add his/her other deposit accounts and credit cards to his/her PNB Digital user account. 3.4 Only principal Credit Cardholders may be enrolled in PNB Digital, subject to other restrictions as the Bank may reasonably determine as applicable in view of the status of the Credit Cardholder’s account or as determined from time to time at the Bank’s discretion. Enrollment must be done by the Credit Cardholder in PNB Digital. Credit Cardholders may enroll in PNB Digital using their credit card details. If a Credit Cardholder has multiple Credit Cards with PNB, the Credit Cardholder only needs to enroll one Credit Card as all other qualified cards will automatically be enrolled. To authenticate the enrollment, an OAC will be sent to the Client’s registered e-mail address. An OTP will also be sent to the Client’s registered mobile number. It is the responsibility of the Credit Cardholder to ensure that all information registered with PNB is current and updated. By enrolling to PNB Digital using the credit card details such as credit card number, credit card expiry date and OTP, the Credit Cardholder agrees to hold the Bank free and harmless from any or all proceedings, claims, losses, damages, or expenses arising from the improper or unauthorized use of the credit card details such as credit card number, credit card expiry date and OTP.
4.0	Added provisions for Credit Card The Credit Cardholder is responsible for keeping his/her Credit Card in a secure place at all times and to exercise due caution to prevent its loss, theft or misuse. Confirmed loss or theft of Credit Card should be immediately reported to PNB Cards Customer Service Hotline at +632 8818 9818 or DTF 1800 10 818 9818. The Bank will not be responsible for any unauthorized enrollment to PNB Digital and unauthorized transactions using PNB Digital caused by the use of stolen/lost Credit Card until the card is reported lost or stolen. It is understood that the Client shall be responsible for the confidentiality of his/her personal information such as, but not limited to, his/her address, mother’s maiden name, telephone number, Tax Identification Number, ATM PIN, account number, Credit Card details (which may include Credit Card number, Credit Card expiry date, CVV, among others), e-mail address, and other personal identification details, and shall not, under any circumstance, unnecessarily compromise the confidentiality thereof.
6.0	Updated provisions to include credit card 6.1 The Client may inquire about the account balances of his/her current and savings accounts. The Client may access his/her Credit Card account details such as but not limited to the aggregate credit limit, available credit limit per credit card, recent transactions and statement transactions (including transactions of supplementary credit cardholders, if any). In cases where the Client has two or more PNB Credit Cards, the aggregate credit limit is shared across his/her all cards. 6.2 The Client may add his/her other PNB current or savings accounts and Credit Card to PNB Digital by providing the correct account details. The Client will receive an OTP sent to his/her registered mobile number. For “joint or” accounts, the consent of all depositors should be obtained prior to the adding of account in PNB Digital. Only the Primary Accountholder will be allowed to add an account. He/She will receive an OAC sent to his/her registered e-mail address, as well as an OTP sent to his/her registered mobile number. All transactional OTPs and e-mail notifications will also be sent to the Primary Accountholder’s registered mobile number and e-mail address, respectively. The account and/or Credit Card to be added must be linked to the Client’s Customer Identification Number with the Bank. The status of the account must be active for it to be successfully added to PNB Digital. Additional restrictions may apply for some accounts as determined from time to time at the Bank’s discretion.