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Understand Your Liabilities And Responsibilities As The Cardmember

Understand Your Liabilities And Responsibilities As The Cardmember

It is important for you to understand your liabilities for unauthorised transactions and responsibilities of being AFFINBANK Cardmember to help reduce risks of unauthorised transactions due to loss, stolen and card fraud.
 
Your Liabilities for Unauthorized Transactions
  1. You will be liable for PIN-based unauthorized transactions if it has been proven that you have:
  • acted fraudulently;
  • delayed in notifying AFFINBANK as soon as reasonably practicable after discovering the loss or unauthorized use of the card;
  • voluntarily disclosed the PIN to another person; or
  • recorded the PIN on the card or on anything kept in close proximity with the card.
  1. You will be liable for unauthorized transactions which require signature verification or with a contactless card, if it has been proven that you have:
  • acted fraudulently;
  • delayed in notifying AFFINBANK as soon as reasonably practicable after discovering the loss or unauthorised use of the card;
  • left the card or an item containing the card unattended in places visible and accessible to others; or
  • voluntarily allowed another person to use the card.
  1. You will be liable for e-banking transactions, if it has been proven that you have:
  • acted fraudulently;
  • deliberately disclosing the access identity (ID) and passcode to any other person, via unsolicited emails or on any website other than the official website of the Bank;
  • not taken reasonable steps to keep security device secure at all times; or
  • failed to carry out the obligation to report a breach of the security of a pass code or the loss of a security device to the Bank as soon as reasonably practicable, upon discovering the breach or loss respectively.
  1. You will be liable for card-not-present transactions, if it has been proven that you have:
  • acted fraudulently; or
  • failed to carry out the obligation to report any unauthorised transaction to the Bank as soon as reasonably practicable, after discovering the unauthorised transaction.
Your Responsibilities

You are responsible to:
  1. abide by the terms and conditions for the use of the card;
  2. take reasonable steps to keep the card and PIN secure at all times, including at your place of residence. These include not:
           i) disclosing your card details or PIN to any other person;
           ii) writing down the PIN on the card, or on anything kept in close proximity with the card;
           iii) using a PIN selected from your birth date, identity card, passport, driving licence or contact numbers;
           iv) allowing any other person to use your card and PIN; and
           v) acting fraudulently
  1. notify the bank as soon as reasonably practicable after discovering your card is lost, stolen, an unauthorised transaction had occurred or the PIN may have been compromised;
  2. notify the bank immediately upon receiving short message service (SMS) transaction alert if the transaction was unauthorised;
  3. notify the bank immediately of any change in your contact number;
  4. use the card responsibly, including not using the card for unlawful activity; and
  5. check the account statement and report any discrepancy without undue delay.
 
You must notify AFFINBANK immediately after having found that your card is lost or stolen, your PIN and/or card details have been compromised or unauthorised transactions made with the use of your card by calling us during office hours at 03-5517 9999 (for AFFINBANK World MasterCard Cardmembers), 03-5522 3000 (for other AFFINBANK Credit Card and AFFINBANK Debit MasterCard) or at 03-7947 5488 after office hours.
 
 
 

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03-5522 3000

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