Welcome to the Camalig Bank Mobile Banking Application. Please read these Terms & Conditions (T&Cs) prior to completing the registration for a mobile account with Camalig Bank. The following T&Cs shall govern the terms under which you may access and use the CBI Mobile Banking Services. By registering to the CBI Mobile Banking Application, you accept and agree to be legally bound by the T&Cs. Please also read our Privacy Policy before you use any portion of the CBI Mobile Banking Application. The Privacy Policy describes how your personal data is collected and processed when you use the Mobile Application. If you do not understand or do not wish to be bound by the T&Cs or Privacy Policy, you should not access or use any portion of the CBI Mobile Banking Application.
These T&Cs shall be effective, valid and binding from the time you agreed to it and will exist up to the time that it is terminated by you or us save for those provisions that will remain effective after termination as stated in these T&Cs, laws or regulations.
Camalig Bank reserves the right to modify these T&Cs at any time without any advance notice. Any changes to these T&Cs will be effective immediately upon posting on this page, with an updated effective date. By accessing or using the CBI Mobile Banking Application after any changes have been made, you signify your agreement on a prospective basis to the modified T&Cs and all the changes. Be sure to turn to this page periodically to ensure familiarity with most current version of the T&Cs.
DEFINITION OF TERMS
This Agreement governs your use of the Mobile Banking Services provided to you by Camalig Bank Inc. (A Rural Bank) (“Camalig Bank” or the “Bank”) located at Rizal Street, Ilawod East, Legazpi City, Philippines. In these Terms and Conditions:
"CB Mobile Banking Application" refers to Camalig Bank’s mobile app where the mobile wallet is held and can also be referred to as "Mobile Application" or "facility".
“CB Mobile Banking Services” refers to the various financial transactions such as but not limited to balance inquiry, fund transfers, pay bills or buy load performed by customers through the Camalig Bank Mobile App.
"Account" refers to the savings and/or checking account held with Camalig Bank in the depositor's name, whether solely or jointly with another person.
"We", "Us", "CBI" and "Bank" refer to Camalig Bank, Inc.
"You" and "Your" refer to the owner of the account or the Registered User successfully enrolled in the CB Mobile Banking Application.
A "Mobile Phone" refers to the client’s cellular network phone unit with the client’s subscriber identity module (SIM) card and corresponding 11-digit mobile number assigned to the SIM card.
"User ID" means a string of characters composed of letters and numbers nominated by the Registered User which serves as his unique identification. For the Camalig Bank Mobile App, this refers to your mobile number.
"One-Time Password" or "OTP" refers to the six-digit code sent to the user’s registered mobile number needed for two-factor authentication of the user.
"Business Day" means Monday through Friday, excluding all holidays recognized by the national government. Temporary changes in business days shall be posted in the bank’s official website or other platforms such as, but not limited to Facebook and radio advertisement.
GENERAL TERMS OF USE
CB Mobile Banking Application allows customers to obtain certain services via a cell phone or other handheld mobile device as described below (which are individually referred to as the “CB Mobile Banking Services”). In this CB Mobile Banking Terms of Use Agreement (“Terms of Use”), “you” and “your” refer to the Mobile Banking Services user who has enrolled in the Camalig Bank Mobile Application, and the terms “CBI,” “Bank”, “we” and “us” refer to Camalig Bank, Inc.
TECHNICAL REQUIREMENTS
In order to access the CB Mobile Banking Application, you must have (i) a handheld device that can send and receive information using the technology that supports this CB Mobile Banking Services (an “Eligible Mobile Device”) and (ii) all information required to enrol, which will be described in the CB Mobile Banking Application (“Mobile Application”) at the time of enrolment. Eligible Mobile Devices necessary to obtain the Mobile Banking Services are described on the Bank’s Web site at www.camaligbank.com.ph/products/other/cbmobilebanking
Camalig Bank may update the Eligible Mobile Devices from time to time. The technical standards required to access and use the CB Mobile Banking Services vary among the types of Eligible Mobile Devices and telecommunications carriers that support the Mobile Banking Services. The Mobile Technical Standards are described on the Bank’s website, and may be updated from time to time to reflect changes in the technology that supports the CB Mobile Banking Services. You agree that Camalig Bank may, from time to time, require you to upgrade to the latest version of the Mobile Application in order to continue to access the CB Mobile Banking Services.
REGISTRATION
When you accept these T&Cs, you will be required to set up a mobile wallet that is associated with your mobile number. In order to avail the CB Mobile Banking Services, you will be asked to provide information such as your complete name, and/or Philsys number present and/or permanent address, date and place of birth, citizenship or nationality, source of funds, photo of yourself and specimen signature or biometric in accordance with the requirements of know-your-customer (“KYC”) requirements of the BSP. We may verify your registration information through a third-party verification vendor, as we may deem necessary.
In some cases, we may ask you to provide additional details or information that can aid in verifying your identity and protection of your account moving forward.
You agree to provide all necessary information and render all reasonable assistance and cooperation that we may require in order to complete the verification. The information you provide will be used to determine if you are eligible to begin and/or continue to use you’re CB Mobile Banking Application. We reserve the right to close, suspend or limit your access to your mobile wallet and/or CB Mobile Banking Services in the event that we are unable to obtain or verify your information. All collection and use of your personal data by us are subject to the Data Privacy Policy of Camalig Bank.
You are responsible for providing accurate registration information and for keeping your registration information up to date, or notifying us in the event of changes. In addition, as certain CB Mobile Banking Services may become available or be offered only on selective basis or promotional basis, supplementary information may be required from your end in order to enable the relevant CB Mobile Banking Services.
ACCESS TO THE MOBILE BANKING APPLICATION
You may register to the CB Mobile Banking Application by downloading it via the Google Play Store or the Apple Store.
Enrolment into the CB Mobile Banking Services shall be done via the CB Mobile Banking Application. Your Mobile Application access is permitted only after validation of the information you provided us and authentication of your identity through two-factor authentication methods and liveness checks. Your instructions made after such validation and authentication shall be the authority of the Bank to carry out the banking transactions performed by you through the facility. The Bank shall have no obligation to verify the authenticity of any transaction received from you through or purporting to have been by you via the CB Mobile Banking Application other than by means of verification of your mobile number through the OTP sent, your user ID, PIN or through biometric authentication methods such as but not limited to fingerprint scanning, facial recognition or retina scan.
Your enrolment to the facility will be effective upon your receipt of the Bank's confirmation of the enrolment of your account/s through SMS and/or email and will remain in full force and effect until we receive from you a written notice of its termination.
The application may be utilized anytime seven (7) days a week, twenty-four (24) hours a day except for when we are undergoing system maintenance and if the Bank notifies you of the unavailability of the CB Mobile Banking Services.
For purposes of dating transactions, the Bank’s cut-off time will be implemented. All transactions done before the designated cut-off will be posted to the account on the same business day. Transactions made after the cut-off on a banking day, Saturday, Sunday, or banking holiday will be posted on the following business day.
MOBILE BANKING SECURITY
You shall keep your username, PIN, OTP, account numbers and other account data confidential and secure at all times.
You agree to assume full responsibility and liability for all transactions made in your accounts through the use of the facility. It is understood that the PIN/OTP is known only to you and as such, any transaction effected using your PIN/OTP shall be conclusively presumed to be done by you or authorized by you.
You agree that the Bank, at its sole discretion, is entitled to act on the instructions received from you through the facility after the correct entry of your user ID, PIN, or your other biometric authentication methods such as but not limited to fingerprint scanning, facial recognition and retina scan. You further agree that the Bank shall not be liable and you agree to indemnify the Bank for any loss, damages or costs the Bank incurs for acting in accordance with or based on requests/instructions received through the CB Mobile Banking Application, which we believe emanates from you.
As a safety measure, you further agree and undertake to change your PIN from time to time as you deem necessary. If you believe that your mobile phone or PIN may have been lost/stolen or that someone has used it without your permission, you shall notify the Bank immediately and shall give the latter a reasonable period to de-activate your compromised CB Mobile Banking Application User ID and PIN. The Bank is not responsible for any loss, damages or costs which you may incur resulting from the loss of your mobile phone or password, or the fraudulent transactions which may occur if you do not notify the Bank that your mobile phone or password may have been lost/stolen or that someone has used it without your permission.
You must keep your password totally confidential and secure at all times and not to reveal it to any third party.
When changing your CB Mobile Banking Application PIN, choose a PIN which must not relate to any readily accessible data such as your address, telephone number, driver's license, date of birth etc. and easily guessable combination of numbers. Do not let any unauthorized person have access to your mobile phone or leave your mobile phone unattended while accessing the mobile banking application.
REPORTING UNAUTHORIZED TRANSACTIONS OR DISCLOSURE OF YOUR SECURITY CODES
For certain services, the Bank may require you to select or create additional Security Codes and/or use other security techniques that the Bank makes available to you. You are responsible for all transactions you initiate or authorize using the CB Mobile Banking Application. If you allow any person to register a fingerprint in your mobile device or otherwise obtain or use your mobile device or security codes, you will have authorized that person to access your Mobile Account, and you agree that you are responsible for any transactions that person initiates or authorizes from your Mobile Account and will be bound by any agreements that person accepts or acknowledges electronically through the CB Mobile Banking Application. Notify us at once if the phone number for your mobile device is changed or if you believe that your mobile device has been lost or destroyed, or if you believe that your security codes have been compromised, or that your mobile device or any of your Mobile Account have been accessed or used without your authorization, or if any periodic statement shows a transaction on a Mobile Account that you did not make, including any unauthorized transaction made via the CB Mobile Banking Application.
The details in the push notifications after every transaction or the SMS/Text confirmation message for certain transactions, and / or the entries in the Account/Transaction History statement are presumed true and correct unless you notify Camalig Bank in writing of any disputes thereon within ten (10) days from the date of transaction. If no dispute is reported within the said period, all transactions and the entries in the Account/Transaction History statement are considered conclusively true and correct. Disputed transactions shall only be credited back to your mobile wallet once the claim/dispute has been properly processed, investigated, and proven to be in your favor. On the other hand, there shall be no reversals for transactions made through key-word based commands and erroneous transactions you have made in your account.
Contacting us immediately by telephone will help you avoid responsibility for unauthorized transactions and will help you and us reduce possible losses. You may call us Mondays - Fridays from 8:00AM – 5:00PM at: (052) 480-2654 / 0919-075-5407 or email us anytime at cbmobilesupport@camaligbank.com.ph or write to us at:
Camalig Bank Inc.
Rizal St., Ilawod East,
Legazpi City, 4500
MOBILE BANKING SERVICES
BALANCE INQUIRY
You may view the account balances of your mobile wallet and enrolled Camalig Bank accounts. The account dashboard screen contains the enrolled accounts in the facility. In the event of having multiple accounts, you may enable only specific account/s through the application or submit this through a written request.
FUND TRANSFER
You may transfer funds from your mobile wallet or deposit account(s) to your other accounts or third-party accounts within Camalig Bank and to other local banks. The Bank will effect such mobile fund transfer transactions provided there are sufficient funds available in your account, the information provided are complete, correct and valid, and that transactions are within the allowable limits set by the bank or you as the user. The Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of the Bank. The Bank shall likewise not be liable for losses, costs or damages for failed or incorrect fund transfers resulting from an error or omission in the information you provided us with.
PAY BILLS
You may pay your bills from your mobile wallet account to institutions with which the Bank has collection arrangements. There is no enrolment required for this service. When submitting a payment request, your mobile wallet account will be debited the specified amount real-time, and a notification will be sent to you showing the status of the transaction. The usual turnaround time for the posting of the payment is within three (3) business days. If the payment is made on Saturday, Sunday or holiday, please allow additional days before the payment can be posted. You must have sufficient balance to successfully pay the bills. Payment of bills does not require a printed receipt from the Biller. Logging on to your CB Mobile Application by keying in your user ID and PIN/OTP for purposes of submitting the payment request shall be sufficient evidence that your payment made has been authorized, validated and cannot be disputed. The Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of the Bank
BUY LOAD
You may buy load from your mobile wallet account to your own mobile number and to other user-identified mobile numbers for the Globe, Smart, and Sun networks. There is no enrolment of mobile numbers required for this service.
The denominations available for each network are subject to their availability with the electronic load vendor. Your account shall be debited for your load purchase the same day as your buy load request was received by the Bank. You understand that all buy load transactions are subject to the availability and reliability of your telecommunication network connection, the electronic load vendor receipt of transaction request and load denomination availability
ADD OR WITHDRAW MONEY
You may add money into your mobile wallet either through (a) funds transfer request from your linked bank account(s) into your mobile wallet via the defined functions of the CB Mobile Banking Application, or (b) personally hand/deposit funds to any Camalig Bank branch to be credited into the mobile wallet using a unique QR code.
You may withdraw money from your mobile wallet by personally visiting any of the Camalig Bank branches. By submitting a cash withdrawal form in the app, the balance from your mobile wallet may be withdrawn and disbursed to you in Peso amount. This transaction may be subject to limits and applicable bank charges.
SEND/RECEIVE PAYMENT VIA QR CODE
You may utilize this feature for sending and receiving payments via peer-to-peer who are users of the CB Mobile Banking Application. In the case of Camalig Bank’s existing clients with small businesses, once registered to the CB Mobile Banking Application, this feature can be used by your customers to make cashless payments for your products and services, provided that the customer also uses the Camalig Mobile Banking Application. The payment will be debited from the mobile wallet balance of the sender and credited to the mobile wallet balance of the receiver on a real-time basis. Notifications will be sent to both to the sender and receiver once the payment is successful
TRANSACTION HISTORY
You may access all transactions occurring from when your CB Mobile Banking account was set up. The default view shows your five most recent transactions; however, you can always filter and specify a date range pertaining to the transactions you would like to view.
MESSAGE CAMALIG BANK
You may send a message to Camalig Bank by utilizing the Message Us feature in the CB Mobile Banking Application. This method can be used to ask questions/inquire about the mobile app’s features and functionalities that are not covered in the FAQ section. To submit service requests and report issues on unsuccessful transactions made using the mobile app you have to send an email to customer support at: cbmobilesupport@camaligbank.com.ph
ACCURACY OF INFORMATION
The Bank will use reasonable efforts to ensure the accuracy of information accessed through the facility but does not warrant the information will be free from error. If you notice an error in the account information supplied to you through the facility or by the use of any of the facility’s services, you shall advise the Bank as soon as possible. The Bank will endeavor to correct the error promptly and adjust any charges, if applicable, arising out of the error.
The Bank accepts no liability for the consequences arising out of erroneous information that may have been supplied by you through this facility. Hence, you are solely responsible for the correctness of the information that you supply to the Bank through the use of the facility or through any other means such as electronic mail or written communication. If you suspect that there is an error in the information supplied to the Bank, you shall advise the Bank as soon as possible. The Bank will endeavor to correct the error wherever possible on a "best efforts' basis".
CONSENT TO PROCESSING OF INFORMATION
Camalig Bank will keep information relating or pertaining to the Account holder and including, but not limited to, any information on their respective accounts and transactions (the “Information”) confidential except that for purposes of these Terms and Conditions and in connection with the Bank’s, (i) implementation, administration, facilitation and enhancements of the products, services, facilities and channels, (ii) pursuit of their respective marketing, promotional, communication, commercial and research objectives, (iii) regular conduct of business, and/or (iv) compliance with the requirements of the Data Privacy Act of 2012, its Implementing Rules and Regulations and other issuances as mandated by the National Privacy Commission and/or government regulators or supervisory bodies, the Account holder gives their consent to The Bank, its officers, employees, advisers, auditors, agents and representatives’ (collectively, the “Bank”):
1. collection, use, storage, consolidation and processing (collectively, “process” or “processing”) of personal and/or sensitive personal Information;
2. outsourcing of the processing of personal and/or sensitive personal Information to service providers, whether within or outside the Philippines;
3. Retention of personal and/or sensitive personal information of data subject for a period of 5 years, as stated in BSP Circular 302, and consistent with the Anti-Money Laundering Act, R.A. 9160, as amended. All records of all transactions of covered institutions shall be maintained and safely stored for five (5) years from the dates of transactions
4. verification or validation of personal and/or sensitive personal information from any and all sources and in any reasonable manner;
5. disclosure and sharing of personal and/or sensitive personal Information:
a. to credit information or investigation companies, credit bureaus (including, but not limited to, the Credit Information Corporation (CIC) pursuant to Republic Act No. 9510 and its implementing rules and regulations), financial institutions, consumer reporting or reference agencies, credit protection provider or guarantee institutions, brokers, insurers, underwriters;
b. to any judicial, governmental, supervisory, regulatory or equivalent body of the Philippines or other jurisdictions; such person or entity as required by the laws or regulations of any country with jurisdiction over the affairs or business of the Bank or any member of the Group of Companies; stock exchange on which the shares or other securities of or any member of the Group of Companies are listed pursuant to its rules;
c. to any potential transferee or assignee of the Bank’s rights and/or obligations under the relevant contracts or agreements;
d. to service providers engaged by the Bank, or to participating merchants, payments technology company(ies), marketing, promotional, network, loyalty program and joint venture partners and other relevant external parties, whether based within or outside the Philippines (collectively, the “Relevant Parties”); and,
e. to such other persons or entities that the Bank may deem necessary or appropriate to facilitate the above-stated purposes or those that may relate to or arise there from, as and when required by the circumstances.
The foregoing constitutes the express consent of the Account holder and the Purchaser under the applicable confidentiality and Data Privacy Act of 2012, its Implementing Rules and Regulations and other issuances mandated by the National Privacy Commission of the Philippines and other jurisdiction and agree to hold the Bank, each member of the Group of Companies and the Relevant Parties, free and harmless from any and all liabilities, claims, damages and suits of whatever kind and nature, that may arise in connection with the implementation and compliance with the authorization conferred by the Cardholder and the Purchaser hereunder.
The Account holder agrees that his authorization and consent as provided herein has been executed freely, voluntarily and with full knowledge of its consequences. It is intended to be the consent and/or permission required under the DPA IRR, RA 1405 or the Bank Secrecy Law and all other relevant laws for the purposes specified above. It is valid as an agreement signed by him and shall have continued effect throughout the duration of his relationship with the Bank and/or existence of his account(s), and/or until the expiration of the retention limit set by laws and regulations, and/or the period set until the destruction or disposal of records as mandated by relevant laws, unless he withdraws such authorization and consent in writing. The customer hereby renders Camalig Bank, its officers, employees and representatives free and harmless from any and all liabilities arising from the above use and disclosure of his information.
GENERAL AGREEMENTS
Camalig Bank may, from time to time, introduce new mobile banking features and services. We will inform you of these new features and services. By using these features and services when they become available, you agree to be bound by the Terms and Conditions that will be made available to you concerning these features and services.
Camalig Bank does not guarantee the continuous availability of all mobile banking services mentioned in this agreement.
Camalig Bank reserves the right to refuse, restrict access to, limit the availability of any mobile banking service, and terminate or suspend the Camalig Bank Mobile Application if it deems that the user has violated certain terms and conditions.
Camalig Bank shall not be liable for any loss or damage of whatever nature in connection with the implementation of mobile transactions in the following instances:
1. Disruption, failure or delay relating to or in connection with the facility and/or it’s services which are due to circumstances beyond the control of the Bank, unforeseen events, fortuitous events such as but not limited to prolonged power outages, breakdown in computers, software, operating systems and telecommunication facilities, typhoons, floods, public disturbances and calamities and other similar or related cases.
2. Loss or damage arising out of any fraudulent access or utilization of the facility due to theft, unauthorized disclosure of mobile phone numbers, emails, passwords or the unauthorized usage of biometrics and other security measures used in the facility with or without your participation.
3. Inaccurate, incomplete or delayed information is received due to disruption or failure of any information or communication facilities used in the facility or due to faults in the telecommunication network, internet or network failure, or software or hardware error beyond the control of the Bank.
4. Delayed or cancelled transactions for a number of reasons including but not limited to our efforts to verify your identity, validate your transaction instructions, contact you, or due to variations in business hours, or otherwise to comply with applicable laws.
5. Any indirect, incidental or consequential loss, loss of profit or damage suffered by reason of the use or failure or inability to use the facility.
6. Any and all liability, costs, damages, losses and causes of action arising from or in any way connected with the disclosure of information concerning your accounts and/or transactions with the Bank to unauthorized persons for any reason whatsoever, including but not limited to wiretapping of communication lines or erroneous connection by telecommunication switches, or errors in transmitted information due to faulty lines, and any and all forms of high technology surveillance or fraud.
7. Any incidental or consequential loss, loss of profit or damage arising from the loss of your mobile phone, mobile devices and other electronic devices enrolled to CBI Mobile Banking Application.
SERVICE CHARGES AND FEES
We do not charge you any fee to download and register for or access the CB Mobile Banking Application. However, you may incur charges to receive internet, cellular or other data service on your Eligible Mobile Device. You may also incur charges from your telecommunications carrier when sending and receiving information in connection with your use of the Mobile Banking Services.
You agree to pay the charges that may be imposed by the Bank when availing of services and/or products under this facility and the standard SMS and call rates that will apply by using this facility. We will deduct the charges directly from your deposit account or mobile wallet balance as these are incurred. We are not responsible for the monitoring of your mobile phone charges. It is your responsibility to monitor these charges and to ensure that you have enough mobile credits to transact using this facility. We will not be liable for dishonor of other debits to your deposit account or mobile wallet resulting from our deduction of any charges as authorized by your acceptance of these terms.
We reserve the right to change the charges, fees, or other terms described in these Terms and Conditions. When changes are made and/or fees, charges or other material terms are added we will update these Terms and Conditions, and either send a notice to you at the address shown on our records, or send you an email.
You agree to be responsible to check the website from time to time, for any updates to these Terms and Conditions and you further agree that your continued use of the Camalig Bank Mobile Service after any of the changes to the Terms and Conditions take effect will constitute your consent and adherence to such changes.
As always, you may choose to decline changes by discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees for individual situations.
TERMINATION OF THE AGREEMENT
You may request for termination of the CB Mobile Banking Application by sending a request through the CB Mobile Support at cbmobilesupport@camaligbank.com.ph and giving the Bank at least ten (10) banking days to process the request. You shall remain responsible for any transactions made on your account/s through the service prior to the time of such cancellation of the CB Mobile Banking Services.
The Agreement comprised in these Terms and Conditions shall be deemed to remain in full force and effect if and in so far as any transaction is completed but not debited to your account/s prior to termination of the service. Also, termination of the CB Mobile Banking Services facility shall not prejudice your liability in respect of things done or omitted to be done prior to termination thereof.
The Bank may, for security and other reasons, withdraw the CB Mobile Banking Services anytime you are given reasonable notice under the circumstances. If the service is erroneously or negligently withdrawn by the Bank for any reason other than your breach of the terms and conditions hereof, the Bank's liability shall be restricted to the return of the annual charges, if any, recovered from you for the period in question.
The Bank may suspend or terminate your CB Mobile Banking Services with notice if you breach any of the terms and conditions hereof or the Bank learns of your death, bankruptcy or lack of legal capacity.
VENUE OF LITIGATION
These terms and conditions and the banking practices and charges relating thereto may be changed by the Bank at any time by notice thereof to the account holder. Any such changes will be effective from the date of the notice or such later date as may be specified therein. The Bank shall endeavor to post such changes in its website at www.camaligbank.com.ph.
Should the Bank become involved in any litigation which may have relation with this Agreement, or with any of the rights, powers and remedies hereunder, all fees and expenses incurred by the Bank in such a litigation, including a reasonable amount for the attorney's fees which amount is hereby agreed to be at the rate of 10% of the sum sought, shall be paid by the Client.
This CB Mobile Banking Services Agreement is governed by the provisions of Bangko Sentral ng Pilipinas and applicable laws of the Philippines relating to the covered transactions herein. It shall be understood that access to and use of the service shall be subject to applicable requirements and procedures of government telecommunications or other regulatory authorities and those prescribed by law.
The venue of all legal actions or proceedings arising out of or in connection with these Terms and Conditions shall be brought only in the proper courts of Legazpi City to the exclusion of all other venues.
CUSTOMER COMPLAINTS HANDLING PROCESS
We are committed to maintaining the highest standards of financial consumer protection. Your requests, feedback and customer needs are our priority. If you have any concerns about a procedure or have encountered a problem with our service, you may contact our Customer Service number by dialing (052) 480-2654 / 0919-075-5407 during our regular banking hours of 8:30 AM – 5:00 PM, Mondays thru Fridays, or email our customer support at cbmobilesupport@camaligbank.com.ph. All information disclosed shall be treated with utmost confidentiality and will be resolved in the most efficient and effective manner
Camalig Bank maintains full cooperation with the BSP in Financial Consumer Protection. You may coordinate with BSP’s Financial Consumer Protection Department at (632) 708.7087 or (632) 708.7088). You may also email BSP at consumeraffairs@bsp.gov.ph.
USER REPRESENTATION AND WARRANTIES
1. By using our services, you signify your agreement to these Terms & Conditions.
2. You must be at least 18 years of age, or that you possess legal parental or guardian consent (for ages below 18 years old), and that you are fully able and competent to legally enter into and abide by all of the terms, conditions, obligations, representations, and warranties set for in these Terms & Conditions.
3. By using our services, you declare, represent, and warrant that you understand that in doing so you may be exposed to content, material, or information from a variety of business entities, and Camalig Bank is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such content, materials or information, including those that may be linked to it.
4. You further understand that Camalig Bank may develop additional features and partnerships with other entities in the future. As such, you may be exposed to these entities as part of our marketing, promotional, network, loyalty program and joint venture partners and other relevant external parties, whether based within or outside the Philippines. You further declare, represent, and warrant that this information presented to you as part of our services are protected by intellectual property rights which are owned by the respective sponsors or companies on their behalf. You agree that such advertisements and sponsored content, material, or information may be placed on the CB Mobile Application without prior notice, and without need of express consent from you as you now give such content.
5. You acknowledge that any material, information, or content which you create, upload or transmit while using the CB Mobile Services may become publicly available, whether intended by you or Camalig Bank for such material, information, content to be made publicly available. You further affirm and take responsibility of any consequences arising out of the use, authorized, lawful or otherwise, of any material, information or content which you create, upload, transmit, or display using the CB Mobile Application.
6. By using our services, you hereby declare, acknowledge, and affirm to hold Camalig Bank free from any liability by law or equity arising therefrom, including the unauthorized or unlawful use thereof by a third party.
7. You acknowledge that you are free to opt out of the CB Mobile Services by voluntarily desisting from further use of the CB Mobile Application or by serving a notice of termination of use and closing of your account.
