GENERAL TERMS AND CONDITIONS

D-BANK PRO SERVICES

DEFINITIONS

E-mail Address refers to the Customer's electronic mail address registered in the Bank system.
Automated Teller Machine (ATM) is an automated teller machine owned/managed either by the Bank or by another bank which has a partnership or cooperation with the Bank. Customers can use the ATM to perform certain transactions.
Bank refers to PT Bank Danamon Indonesia Tbk which has its domicile in Jakarta and operates through the head office, branches and other forms of offices throughout Indonesia. The Bank is the issuer of D-Bank PRO Services.
Homepage is a service that enables holders of Credit Cards to access all card-related services and view detailed information regarding their Credit Cards that have been linked to D-Bank PRO accounts.
BI Fast refers to the entire Rupiah fund transfer process: from a customer's own Bank account to another bank’s customer and recipient who is also a BI Fast participant, via an account number, mobile phone number or e-mail address that has been linked to the customer's account number and registered at another bank where the recipient’s account will directly receive the transferred funds.
Biometric Login refers to the log-in process on D-Bank PRO Mobile using customer identity verification, particularly through fingerprint scan or facial recognition analysis (Face ID).
Challenge Response / Appli 2 is a confidential token code which takes the form of a challenge code that is entered into the Software Token in accordance with instructions from D-Bank PRO Web. Upon entering the code, the system produces a response which must be entered into the D-Bank PRO Web to continue banking transactions that require a confidential token code.
CIF or Customer Identification File is the data stored in the Bank system which contains all information and other relevant data on Bank Customers who hold accounts, including savings, credit, time deposits and current accounts.
Proxy Registration refers to the process of registering a customer's mobile phone number and/or e-mail address, which have already been registered in the Bank system, as an alias for the customer's Bank account number.
D-Bank PRO is a 24/7 banking information and transaction service provided by the Bank to Customers. Customers can access this service any time and any day through mobile phone (D-Bank PRO Mobile) or via computer / tablet (D-Bank PRO Web).
D-Bank PRO Mobile refers to the D-Bank PRO Service which customers access via mobile phone and can download via Playstore or Appstore. This is commonly called mobile banking.
D-Bank PRO Web refers to the D-Bank PRO Service which customers access by visiting the site https://www.dbank.co.id using a computer or tablet, that is connected to an Internet network.
D-Cash (Cardless Cash Withdrawal) is a financial service feature on the D-Bank PRO app menu that enables customers to perform cardless cash withdrawal transactions at Danamon ATMs with the D-Cash label or at partner merchants.
Credit Card e-Statement is a service that enables holders of Credit Cards to view and download billing statements for Credit Cards that have been linked to D-Bank PRO accounts.
Force Majeure refers to any unexpected and unforeseen condition, which is beyond the reasonable control of either the Bank or the Customer, that makes it impossible or delays banking transactions to continue. These conditions include but are not limited to:

a) natural disasters, lightning strikes/storms, earthquakes, floods, typhoons, explosions, fires and other natural disasters;

b) epidemic or enforcement of quarantine;

c) war, crime, terrorism, rebellion, riot, civil war, unrest, sabotage and revolution;

d) strike;

e) disruption due to computer viruses, Trojan Horses or harmful components that affect services, web browsers, User computers, or Internet Service Providers; and

f) system or transmission malfunction, electricity and telecommunications disruption, government policy, and banking system failure.

Delete/Unreg Proxy is the process of deleting Proxy mobile phone numbers and/or e-mail addresses that have been registered with the Bank.
Working Days refer to working days of the week particularly Mondays through Fridays when Bank branches are open to the public and Bank Indonesia operates to provide clearing function. Working days exclude official holidays which are determined by the local and national governments.
Hello Danamon is the work unit authorized by the Bank to provide Customers Banking Information and Transaction Services (non-cash) via telephone (1-500-090) or e-mail (hellodanamon@danamon.co.id). Hello Danamon is available 24 (twenty four) hours a day, 7 (seven) days a week.
Trading Hours refer to the time of the trading day when the stock exchange conducts foreign exchange buying and selling activities, as determined by the authorized agency.
Danamon ATM/Debit Card is the card issued by the Bank upon the request of the Customer. It functions as an ATM card, debit card and/or other features as determined by the Bank
Credit Card is a card issued by the Bank upon the Customer's request, based on the Bank’s partnership with a principal license. The Credit Card can be used as a means of payment for obligations arising from economic activities, including payment transactions and/or to perform cash withdrawals wherein the Bank initially fulfills the Customer's payment obligations. Then, the Customer is obliged to perform the payment within the payment period or until each month’s due date in lump sum or installments.
Verification Code refers to a dynamic One Time Password which forms part of the validation process. The code consists of 6 (six) unique and confidential digits which are sent via Short Message Service (SMS) to the Customer's mobile phone number that has been registered in the Bank's system.
Confidential Token Code is a code generated from One Time Password or Appl 1. This code functions specifically to process banking transactions performed via D-Bank PRO.
Exchange Rate refers to the bank-valid exchange rate of one country’s currency against another country’s currency.
Special Rate refers to the special and competitive exchange rates that are valid only during trading hours on D-Bank PRO Services.
Information Services are part of Customer Bank services which refer to information regarding banking products, services and features, plus other relevant information (such as branch locations, Bank ATMs, interest rates, foreign exchange rates and credit information).
Credit Card Link service makes it easier for cardholders to link their respective Credit Cards to their own D-Bank PRO accounts.
mPIN (Mobile Personal Identification Number) refers to the customer’s confidential code or password when using D-Bank PRO Mobile and authorizing banking transactions.
Customer refers to any individual who has an account at the Bank and/or uses its banking facilities and services.
Customer Identity Number refers to the Customer's identity number as indicated on the Resident Identity Card, Temporary Resident Identity Card, Passport and Limited Stay Permit Card.
OTP (One Time Password) / Appli 1 is a confidential token code generated from the Software Token which is then entered into the D-Bank PRO Web when performing banking transactions that require a confidential token code.
Password refers to the confidential or secret code related to the User ID that enables customers to access and use D-Bank PRO.
Temporary Password is the confidential or secret code received when the Customer resets the password and logs in to the D-Bank PRO. The password reset may be due to a forgotten or blocked password which needed to be changed before accessing D-Bank PRO.
Contactless Payment is a method of payment that involves scanning a merchant’s barcode or QR code (Quick Response code). This can also be done by uploading the barcode/QR Code from the device gallery. To be facilitated as a payment method, the Bank accepts barcodes/QR Codes that follow and comply with the National QR Code Standard.
Bill Payment is a service that allows holders of Credit Cards to register monthly or routine bill payments via their respective Credit Cards that have been linked to the D-Bank PRO account.
Debit Card Holder refers to the owner and legal user of the Debit Card.
Credit Card Holder refers to the owner and authorized user of the Credit Card.
Beneficiary refers to the party identified in the Fund Transfer Order who will receive the transferred funds.
Sender refers to the Originator, Originator Provider and all Intermediary Providers who issue and carry out the Fund Transfer or Payment Orders.
Originator means the party or sender of the first or initial payment order or Funds Transfer Order.
Organizers refer to banks and non-banks that carry out fund transfer activities.
Receiving Provider is the Originating Provider, Intermediary Provider and/or Final Beneficiary Provider that receives the Funds Transfer Order, including the central bank and other Providers that carry out settlement activities for inter-provider payments.
Final Beneficiary Provider is the Provider who executes the payment or conveys the transferred funds to the Beneficiary.
Intemediary Provider is a Provider other than the Originating Provider and the Final Beneficiary Provider.
Sending Provider is the Originating Provider and/or Intermediary Provider that sends the Fund Transfer Order.
Originating Provider is an Operator which receives the Funds Transfer Order from the Originator to execute payment or order another provider to execute the specified amount of funds to the Beneficiary.
Funds Transfer Order is an unconditional order from a Sender to the Receiving Provider to pay the specified amount of funds to the Beneficiary.
Telephone PIN refers to the Customer’s 6 (six) digit number that authorizes requests for information or transactions (via telephone to Hello Danamon 1-500-090 or e-mail hellodanamon@danamon.co.id).
Porting Proxy is the process of transferring a Proxy registered from another bank to the Bank.
Proxy means an alias for an account number that is linked to a mobile phone number or e-mail address.
Accounts refer to customer savings at the Bank in the form of Current Account, Savings Account, Time Deposit and/or other similar forms, whether existing or to be opened in the future.
Dormant Account is an account status that occurs when a customer's savings account, during a specific period determined and informed by the Bank through its available communication media, has had no transaction activity aside from administration fees and interest from the existing deposit.
Foreign Currency Account is an account under a foreign currency.
Credit Card Summary is a service that enables holders of Credit Cards to view a summary of the Cards that have been linked to the D-Bank PRO account. This summary includes information on the type and number of Credit Card, and amount of usage (balance).
RTGS is the process of transferring a large amount of funds to other Indonesian bank accounts in Rupiah currency. RTGS is carried out quickly, safely and efficiently in real-time.
SKN is the process of transferring to other Indonesian bank accounts in Rupiah currency via Bank Indonesia’s SKNBI infrastructure.
Software Token is a D-Bank PRO Mobile available function which can generate a Confidential Token Code in the form of a Challenge Response or One Time Password (OTP). This is entered on the D-Bank PRO Web to authorize transactions in accordance with instructions displayed on the D-Bank PRO Web transaction display.
National QR Code Payment Standard (Quick Response Code Indonesian Standard), hereinafter referred to as QRIS, pertains to the QR Code Payment Standard established by Bank Indonesia that is used to facilitate payment transactions in the country.
Financial Transactions are transactions or activities performed through D-Bank PRO that changes the value of an account balance. These transactions include fund transfers, bill payments, purchases, online shopping and other transactions in accordance with Bank regulations.
Non-Financial Transactions refer to Bank Information Services which do not affect or change the value of the Customer’s account balance. These include requests for balance information, statement of account, data changes, Credit Card connection/disconnection, changes to customer personal data, Debit Card blocking/unblocking, D-Bank PRO password reset and other transactions in accordance with the Bank's provisions.
Foreign Currency Purchase and Sale Transactions refer to the customer’s purchase or sale of foreign currencies through the D-Bank PRO.
Bank Notes Withdrawal Transaction is a withdrawal transaction in foreign currency (Bank Notes Order) at any Branch Office via D-Bank PRO.
Recent Transactions refer to a service that enables cardholders to view all outstanding transactions on Credit Cards that have been linked to the D-Bank PRO Service account.
Proxy Change is the process of changing the account number linked to the Proxy mobile phone number and/or e-mail address registered with the Bank.
User ID refers to the customer’s identity which is required to access and use D-Bank PRO Service.

Definitions that are not specifically regulated in the D-Bank PRO Services General Terms and Conditions will refer to the definitions stated in the General Terms and Conditions for Accounts and Banking Services, as well as the General Terms and Conditions for Danamon Credit Card Membership - PT Bank Danamon Indonesia Tbk.

D-BANK PRO SERVICES REGISTRATION, ACTIVATION, CLOSURE AND TERMINATION

Prior to using D-Bank PRO, the Customer is required to read, understand and agree to the characteristics, risks, and terms and conditions of D-Bank PRO.
The registration and activation process for D-Bank PRO Services must be performed through D-Bank PRO Mobile.
Customers holding Debit Cards / Credit Cards (principal) can register as a D-Bank PRO user through D-Bank PRO Mobile in accordance with the Bank’s applicable requirements.
The registration for D-Bank PRO Services is valid only per 1 (one) mobile phone number (Indonesian number) for 1 (one) CIF (Customer Identification File) owned by the Customer.
For mobile phones using the Android operating system, the registration process is as follows.
1. 1. Customers who register for D-Bank PRO Services via D-Bank PRO Mobile will be requested to enter their data, which include the Danamon Debit/ATM Card number along with the corresponding PIN or Credit Card number along with the holder’s date of birth, for validation by the Bank system.
  2. The customer will be requested to verify the mobile phone number that has been registered in the Bank's system. This can be done by entering the OTP which was sent by the Bank to the customer's mobile phone number. The OTP input process is based on an autofill method. The system automatically fills in the first 3 (three) digits of the OTP while the customer needs to manually input the next 3 (three) digits.
  3. Afterwards, the customer will be prompted to input his/her e-mail address, then create and confirm a password, input the OTP received from the e-mail and create an mPIN consisting of 6 (six) digits.
  4. In case of certain system developments or mPIN reset, the customer will be requested to reactivate D-Bank PRO Mobile by entering User ID and password, and verify mobile phone number that has been registered in the Bank’s system. Verification is done through the OTP input process, which is based on an autofill method. The system automatically fills in the first 3 (three) digits of the OTP while the customer needs to manually input the next 3 (three) digits, and then create a new mPIN.
  5. Customers who use a different mobile phone but have previously registered in D-Bank PRO Mobile can request for reactivation. In such a case, the customer will be requested to input User ID and password, and verify the mobile phone number registered in the Bank's system by entering the OTP. The OTP input process is based on an autofill method wherein the system automatically fills in the first 3 (three) digits of the OTP while the customer needs to manually input the next 3 (three) digits, followed by entering his/her existing mPIN.
For mobile phones that use iOS, the registration process is as follows.
1. 1. Customers who register for D-Bank PRO Services via D-Bank PRO Mobile will be requested to enter their data, which include the Danamon Debit/ATM Card number along with the corresponding PIN or Credit Card number along with the holder’s date of birth, for validation by the Bank system.
  2. Customers will be requested to verify the mobile phone number registered in the Bank's system by sending a Short Message Service (SMS) based on the Bank’s format.
  3. Afterwards, the customer will be requested to input an e-mail address, then create and confirm a password, input the OTP received from the e-mail, and create an mPIN consisting of 6 (six) digits.

1. 1. In case of certain system developments or mPIN reset, the customer will be requested to reactivate D-Bank PRO Mobile by entering User ID and password, and verify mobile phone number that has been registered in the Bank’s system by sending a Short Message Service (SMS) based on the Bank’s format. Then the customer must create a new mPIN.

1. 1. Customers who use a different mobile phone but have previously registered in D-Bank PRO Mobile can request for reactivation. In such a case, the customer will be requested to input User ID and password, and verify the mobile phone number registered in the Bank's system by sending a Short Message Service (SMS) based on the Bank’s format. Then the customer must input his/her existing mPIN.
The Bank has the authority to request the Customer to fully accomplish his/her personal data or profile in case of incomplete submission during registration or in case of new personal relevant data that need to be updated. This is in compliance with applicable regulations that require full and complete data.
The customer can terminate D-Bank PRO by accomplishing and submitting an e-Channel Service Form which is available at the branch. Termination of D-Bank PRO will be implemented on the corresponding work day. Any termination of D-Bank PRO will not close nor terminate the customer’s account/savings/credit card.
The customer agrees that Financial Transaction instructions or orders, which have been executed prior to the termination of D-Bank PRO, including the subsequent transactions to be implemented by the Bank, will be cancelled and are not binding on the Bank.
For Credit Card feature transactions, the customer agrees that the instructions executed prior to the termination of D-Bank PRO, including the subsequent transactions to be implemented by the Bank, will follow and comply with prevailing provisions enforced by the Bank.
D-Bank PRO cannot be terminated for pending transactions that will mature on the termination date.
Before using the D-Bank PRO Service, the Customer is required to read, understand and agree to the characteristics, risks, and terms and conditions of D-Bank PRO.

USER ID/E-MAIL ADDRESS, PASSWORD, CONFIDENTIAL TOKEN CODE, VERIFICATION CODE AND mPIN

Customers with D-Bank PRO can use their D-Bank PRO User ID and Password to access both D-Bank PRO Mobile and D-Bank PRO Web.
Customers holding Debit/ATM Cards and Credit Cards must enter the requested data on D-Bank PRO Mobile to create a User ID and Password.
The Bank’s system will send the Verification Code to the customer's bank-registered mobile phone number once the the data validation process has been successful.
The customer creates his/her own mPIN after the activation code has been successfully sent and validated by the Bank's system.
Once the D-Bank PRO Service has been successfully registered and activated via D-Bank PRO Mobile, the Software Token feature can be accessed on D-Bank PRO Mobile. The Software Token generates a Confidential Token Code which is used to authorize transactions on the D-Bank PRO Web.
The use of User ID, Password, Confidential Token Code, Verification Code and mPIN shall be under the customer’s discretion.
Customers are required to secure their User ID, Password, Confidential Token Code, Verification Code and mPIN through the following measures.
1. Regularly changing passwords and mPIN.
2. Careful and safe use of the User ID, Password, Confidential Token Code, Verification Code and mPIN to maintain utmost confidentiality.
3. Do not record/save User ID, Password, Confidential Token Code, Verification Code and mPIN on mobile phones and other objects or places that are accessible to other people.
4. Do not share User ID, Password, Confidential Token Code, Verification Code and mPIN to other people, including Bank officers, family members, confidants or companion.
5. Avoid creating passwords and mPINs that are easy and predictable, such as customer's date of birth or personal identity.
6. Do not disclose and refuse to inform User ID, Password, Confidential Token Code, Verification Code and mPIN when requested by other people, external parties or the Bank.
7. Customers are advised to use their own computer/tablet/handphone to access D-Bank PRO. Do not use a public computer which can be accessed by many people.
8. Always remain alert and cautious of fraudulent attempts via telephone, fax or e-mail from unauthorized individuals who claim to be Bank officers who ask for personal data, including User ID, Password, Confidential Token Code, Verification Code and mPIN. The Bank’s officers do not and will never request nor ask for those information.

If other persons are aware of the User ID, Password and mPIN, the Customer is immediately obliged to either change the Password or request closure of the D-Bank PRO Service and then re-register, as if he/she is registering for the first time. The customer bears full responsibility for all risks, losses and consequences that may arise if he/she has been delinquent or negligent in changing the Password or submitting a request for D-Bank PRO closure.
If the customer forgets the Password or in case of discrepancies in data (for example, a new mobile phone number that requires profile data update), then click ‘Forgot Password’ before logging in to D-Bank PRO or update the data in the D-Bank PRO Profile menu. Customers can also visit the nearest Bank Danamon branch or contact Hello Danamon (call 1-500-090 or e-mail hellodanamon@danamon.co.id).
Customers can contact Hello Danamon (call 1-500-090 or e-mail hellodanamon@danamon.co.id) for any inquiries concerning their own User ID. A customer who forgets his/her own User ID will undergo a customer verification process in accordance with applicable provisions.
The customer is responsible for all transaction instructions executed, including all possible risks, when using the Password and Confidential Token Code via D-Bank PRO Web or when using mPIN via D-Bank PRO Mobile.
If the Customer's Debit/ATM Card is deactivated in accordance with the Bank's provisions (possibly due to loss/damage/blocking/expiration), the Customer can only perform limited D-Bank PRO transactions until the Debit/ATM Card is replaced and/or reactivated.
Customers are advised to take precautions and safeguard their computers/tablets/handphones, through the following:
1. update anti-virus program;
2. update Operating System; and
3. avoid accessing suspicious websites.
Customers are discouraged to use public WiFi when accessing the D-Bank PRO Web or D-Bank PRO Mobile.
In case of D-Bank PRO’s misuse by unauthorized parties, customers are required to immediately report by either calling/notifying Hello Danamon (1-500-090 or hellodanamon@danamon.co.id) or visiting the nearest Danamon branch.
Customers are advised not to disclose customer data/information in any form to unauthorized parties, and to immediately report such instances of suspicious actions by irresponsible parties to the Bank by calling/notifying Hello Danamon (1-500- 090 or hellodanamon@danamon.co.id) or visiting the nearest Danamon branch. Customers can also use the customer service offered in the Bank's official website and other communication media.
When changing their D-Bank PRO password, customers cannot use the same password as the previous one.
A customer’s D-Bank PRO that remains unused within a period of 6 (six) months will be categorized as an inactive D-Bank PRO. Reactivating the inactive D-Bank PRO can be performed in accordance with the Bank’s applicable provisions.
The use of D-Bank PRO Password and Confidential Token Code/mPIN has the same legal force as a written order signed by the customer.

BLOCKING D-BANK PRO SERVICE

The Customer hereby acknowledges and agrees that the Bank has the authority to block and/or close his/her access to D-Bank PRO Services if:
1. the customer incorrectly enters the password/mPIN for 3 (three) consecutive times;
2. the Bank has sufficient reasons and/or evidence to suspect that fraud or crime has occurred or will transpire concerning the customer’s D-Bank PRO Account and/or Services;
3. the customer provided the Bank with incorrect/incomplete data thereby unfulfilling the requirements;
4. the customer neglects or violates these general conditions;
5. any request is received from the Police, Prosecutor, Court or other similar entities in accordance with applicable laws and regulations; and
6. the customer fails to activate the D-Bank PRO Service in accordance with the Bank’s applicable provisions.

If a service is blocked, based on a customer request or failure in entering the password, the customer can apply for a password reset, without the need to re-register, by visiting the nearest Danamon branch or calling /notifying Hello Danamon (1-500-090 or hellodanamon@danamon.co.id). After resetting the password, the D-Bank PRO Service system will send a temporary password to the mobile phone number registered with the Bank. The temporary password, which is sent and received through SMS, should be changed within 1 (one) day.
If the service gets blocked due to an error in entering the mPIN, the customer should request an mPIN reset by calling/notifying Hello Danamon via 1-500-090 or hellodanamon@danamon.co.id, and then reactivate through D-Bank PRO Mobile.

USE OF SOFTWARE TOKEN

Customers can access the Software Token after successfully registering / activating D-Bank PRO on his/her mobile phone.
The Software Token will be locked if the customer enters the wrong mPIN for 3 (three) consecutive times.
The Software Token will also be locked if the customer enters the wrong mPIN during a transaction via D-Bank PRO Mobile or enters the wrong Confidential Token Code during a transaction via D-Bank PRO Web for 3 (three) consecutive times.
If the Software Token is blocked, the customer must contact/notify Hello Danamon (1-500-090 or hellodanamon@danamon.co.id) using the phone PIN to reset the mPIN.
Customers are encouraged to always secure safety and maintain upkeep of his/her mobile phone which contains the installed D-Bank PRO and active Software Token to avoid misuse by unauthorized persons.

USE OF D-BANK PRO SERVICES

GENERAL INFORMATION

Customers are required to enter User ID and Password/Biometric Login to access D-Bank PRO Mobile or D-Bank PRO Web. The Bank may request the customer to enter the Confidential Token Code/mPIN when performing certain transactions that require more security.
Customers can perform transactions or other services through D-Bank PRO once both User ID and Password are successfully validated by the Bank’s system.
For transactions that require the use of Tokens, the Confidential Token Code for D-Bank PRO Web or mPIN for D-Bank PRO Mobile must be entered and successfully validated by the Bank’s system. Only then can the corresponding transaction/s be processed by the Bank.
The Customer hereby agrees that the D-Bank PRO Service can only be used for types of transactions that have been specified and determined by the Bank. The Customer must fulfill the requirements and comply with the Bank’s designated transaction limits.
The customer bears full responsibility for any costs incurred upon accessing D-Bank PRO Services.
The Bank will convey information concerning any new or different version of the Internet web browser, software, application and/or other hardware available for the D-Bank PRO Service to the Customer through its available communication media. The Bank reserves the right to not support previous or older versions.
In case the customer is unable to upgrade into the version that supports D-Bank PRO Services, the Bank has the right to reject the Banking Transaction performed by the Customer. The Bank will not be responsible for any possible losses due to the customer’s failure to comply with D-Bank PRO Service’s applicable provisions in case he/she cannot access all or part of the D-Bank PRO Service features.
The Bank may occassionaly add features and/or services in the D-Bank PRO Service. In such cases, any additional features and/or services including its respective general conditions will be notified in advance by the Bank via the D-Bank PRO Service.
At any time, the Bank may stop, limit and/or change the D-Bank PRO features and/or services. In such cases, the Bank will provide prior notification to the Customer via its available communication media.
The Customer hereby agrees that the Bank will only execute transactions based on his/her instructions which have been transmitted via the D-Bank PRO Service. The Bank, however, has the authority to postpone and/or cancel the D-Bank PRO Service’s implementation of the transaction due to any of these reasons:

unavailability of funds in the customer account that is connected with the D-Bank PRO Service during the time when the Bank implements the transaction;
blocked status of the customer's D-Bank PRO account/services and the Danamon Debit/ATM Card, or if the customer's account to be debited has been closed;
the presence of sufficient evidence and/reasons for the Bank to suspect that fraud or illegal transaction has occurred or will occur;
customer instructions run contrary to banking regulations and/or applicable laws; and
account blocking upon the request of the authorized agency.

Any postponement and/or cancellation of D-Bank PRO’s implementation of services will be notified through its available communication media.
The Bank will regularly advise security information on the D-Bank PRO transaction display when the Customer logs in. He/she is then required to read the security information before performing transactions in the D-Bank PRO.
Customers are required to input transactions manually without the assistance of the software. If there are any indications involving the use of software or other similar softwares in the transaction input, the Bank has the right to limit the customer’s transaction(s) and/or terminate D-Bank PRO.
D-Bank PRO can be accessed 24 (twenty four) hours a day and 7 (seven) days a week. The customer, however, understands and agrees that D-Bank PRO may occasionally not be accessible due to repair/maintenance process or other matters beyond the Bank’s control. In such cases, the Bank will notify the customer through its available communication media concerning any instance of repairs or maintenance involving the D-Bank PRO system prior to the actual system repair/maintenance.
Customers are required to initially check the network quality of his/her mobile phone operator/service provider, including the security of the computer/tablet/mobile phone being used when accessing D-Bank PRO. The Bank will not be responsible for transaction failures, delays or cancellation previously mentioned above.
Customers should ensure that electronic devices which are, or will be, used to access D-Bank PRO Services are regularly maintained and free from viruses or any software that could interfere with both the customer’s electronic device and the Bank's system.
If case of problems related to Banking Transactions or questions/inquiries regarding the use of D-Bank PRO Services, customers can contact/notify Hello Danamon (1-500-090 or hellodanamon@danamon.co.id).
The customer’s right to use D-Bank PRO Services may not be transferred, either in whole or in part, temporarily or permanently, to another party without the Bank’s prior written approval.
If the customer's Danamon ATM / Debit Card is deactivated in accordance with the provisions of the Bank (due to loss/damage/blocking/expiration), he/she can only access and use D-Bank PRO in the form of transactions between Bank accounts and other certain transactions in accordance with Bank provisions, until the Danamon Debit / ATM Card is reactivated.
If the Customer's Credit Card is lost/damaged/blocked/expired, the cardholder can only access and use certain D-Bank PRO Services in accordance with the Bank's provisions, until the Credit Card is reactivated.

NON-FINANCIAL TRANSACTION SERVICES
1. The Bank’s implementation of Non-Financial Transactions complies and is bound by the applicable provisions of laws and regulations.
2. Every Non-Financial Transaction performed through the D-Bank PRO Service will be recorded in the Bank's system.
3. Customers can change their profile data, particularly mobile phone number, electronic mail address (e-mail), mailing address, office address, and home and office telephone numbers via D-Bank PRO.
4. The customer can change his/her profile data once a month.
5. For every change in profile data made by the Customer, he/she will receive a notification in the form of a pop-up message, push-notification, e-mail and SMS (SMS only applies to changes to mobile phone numbers).

Customers can arrange Danamon Debit/ATM Cards through D-Bank PRO Services, along with the following:

Danamon Debit/ATM Card (physical card)
- - - - View Danamon Debot/ATM Card number
        
        Block and unblock
        
        PIN change
        
        Change principal account
        
        Link and unlink (connect and disconnect) accounts connected to the Danamon Debit/ATM Card
        
        Debit Card activation
- Blocking can be either temporary or permanent:

Temporary blocking refers to blocking of Danamon Debit/ATM Cards via D-Bank PRO for a certain period of time, based on the customer's needs; and
Permanent blocking refers to blocking the Danamon Debit/ATM Card via D-Bank PRO permanently so that the customer can no longer use the card.
1. Danamon Debit/ATM Cards that are permanently and temporarily blocked cannot be used to perform transactions. Temporarily blocked Danamon Debit/ATM cards can be unblocked via D-Bank PRO within 30 (thirty) minutes after the blocking was implemented. On the other hand, customers cannot unblock Danamon Debit/ATM Cards that are permanently blocked. Therefore, a replacement Danamon Debit/ATM Card is required.
2. For blocking/unblocking, customers will receive notifications in the form of pop-up messages, push-notifications and/or e-mails.
3. Customers can open an account according to the type of available account on the D-Bank PRO service.
4. Customers can reactivate Dormant Accounts through the D-Bank PRO Service.
5. Customers who reactivate their respective Dormant Accounts will be requested to enter their corresponding mPIN which consists of 6 (six) digits. This form of approval allows the Bank to change the account’s dormant status into an active account.
6. In case a Dormant Account has been reactivated but records no transaction activity, aside from administration fees and deposit interest, during a certain period determined by the Bank, the Bank has the right to change its status back into a Dormant Account.
7. For every Dormant Account reactivation performed by the Customer, he/she will receive a notification of the transaction in the form of a pop-up message, push-notification, e-mail and SMS (SMS applies only to changes in mobile phone number).

FINANCIAL TRANSACTION SERVICES

A Software Token is required every time the customer performs financial transactions.
The account/s that can be accessed refer to Bank-registered account/s (representing the source of funds) with 1 (one) Customer Identification File, including joint account/s with the ‘OR’ type.
Customers are required to have sufficient balance in his/her account before the Bank executes Financial Transaction instructions. The Bank has the right not to execute Financial Transaction instructions if: (1) balance of funds in the Customer's Account are insufficient or (2) there are other reasons beyond the Bank's control.
When using D-Bank PRO Services, the Customer is obliged to ensure truthfulness, accuracy and completeness of the instructions issued. This includes checking that all required data for Financial Transactions have been accomplished thoroughly and correctly based on the Bank’s given and determined instruction format. The Customer hereby guarantees and declares responsibility for any and all losses and/or risks arising from negligence, inaccuracy and/or incompleteness of data/or orders/instructions submitted to the Bank.
Every time a Financial Transaction is performed, the system will always confirm data/information entered by the Customer.
Customers are required to enter the Confidential Token Code on D-Bank PRO Web and mPIN on D-Bank PRO Mobile as a form of approval for Financial Transaction instructions. Likewise, the system will keep a record of all data/information, which have been approved by the Customer, and store these in the Bank’s data center. These data/information, representing correct and valid data received by the Bank, serve as valid evidence of Customer instructions for the Bank to execute Financial Transactions.
Every transaction performed through the D-Bank PRO Service cannot be cancelled for any reason.
The Customer is obliged to immediately notify the Bank in case of changes to data/information and other similar details that are different from the data/information previously registered in the Bank. The Customer bears full responsibility for his/her failure to notify the Bank regarding any of these changes.
In the case of Financial Transactions that are recurring or have an effective date, the Customer is given the opportunity to cancel the transaction via the D-Bank PRO Service no later than 1 (one) calendar day before the corresponding transaction’s effective date.
For each Financial Transaction instruction from the Customer that is successfully executed by the Bank, he/she will receive proof of the transaction in the form of a reference number. This proof of transaction, which also binds the Bank, will be sent to the customer's e-mail address that has been registered on the D-Bank PRO Service.
If the transaction has been declined, the Bank will return the funds by crediting the account from where it was debited in accordance with applicable Bank procedures and after deduction of the transaction transfer fees. The customer bears full responsibility for any losses arising from returns.
The customer hereby agrees that every instruction executed by the Bank, based on orders received, cannot be cancelled nor changed for any reason.

LIMITATIONS OF FINANCIAL TRANSACTIONS

Financial transactions that can be performed by customers follow the Bank’s services and may change according to prevailing banking conditions.
The financial transaction’s daily amount limit is in accordance with the Bank’s provisions which can be referred to in any of its available communication media.
Financial Transaction Limits for D-Bank PRO Services pertain to limitations that are separate from other e-channel service limits while taking into account the overall limit for e-channel services set by the Bank. This can be referred to in any of the Bank’s available communication media.
The Customer hereby gives consent and approval to the Bank for its right and authority to change the amount of the Financial Transaction limit any time and at its own discretion. The Bank will notify the customers concerning changes to the amount of the Financial Transaction limit via its available communication media.

OVERBOOKING (USING SIMILAR OR DIFFERENT CURRENCY)

The customer can perform overbooking transactions (“Overbooking”) as the Sender (Customer hereinafter referred to as the “Sender”) in Rupiah or foreign currencies, which are available at the Bank (in the same currency and in a different currency) via D-Bank PRO Service.
The Bank will execute Overbooking instructions after the data related to the overbooking order has been received clearly and completely in accordance with the Bank’s applicable provisions. The debit will be implemented once the overbooking transaction has been processed and sent to the recipient's account.
The Bank system will execute the overbooking in accordance with data entered by the Sender via the D-Bank PRO Service. This includes sending clear information with words, codes and numbers (if any) related to the overbooking in recognition and compliance with the Bank’s provisions, and applicable laws and regulations.
Whenever necessary and with the Sender’s approval and authorization, the Bank can request additional information (including but not limited to other related documents/letters) to verify and confirm banking transactions performed by the Sender.
Overbooking in the same currency (Similar Currency):
1. Same Currency Overbooking is a money transfer transaction based on the Sender's instructions to his own account, or that of another Party in the Bank, which uses the same currency as the account from where the debit was made.
2. Same Currency Overbooking can be performed for current (immediate), future (future-dated) and routine (recurring) transactions 24 hours a day and 7 days a week.
Overbooking in a foreign currency (Cross Currency):
1. Cross Currency Overbooking is a money transfer transaction based on the Sender's instructions to his own account (Forex Transaction) or that of another Party (Forex Transfer) at the Bank using a currency different from the account from where the debit was made.
2. Cross Currency Overbooking can only be performed for current transactions (Immediate) using the currency (value) at the time of transaction’s execution, wherein the funds will be debited by the Bank as long as there are sufficient funds available in the account.
3. Cross Currency Overbooking transactions can only be performed during Bank working days with transaction time from 09:00 WIB until 15:00 WIB.
4. The Sender agrees that the implementation of Cross Currency transactions is subject to applicable regulations, including fulfillment of the requirements determined by the Bank.
5. Cross Currency transactions can be perfomed under the following conditions.
  1. Transactions that can be performed include the following:
    1. transactions from a foreign currency to Indonesian Rupiah; and
    2. transactions from a foreign currency to other foreign currencies that are available at the Bank.
  2. Cross Currency transactions between Indonesian Rupiah and foreign currencies are probited.
  3. Transactions performed during Bank business days and within the transaction time period will be processed on the same business day. Transactions beyond the transaction time period will not be processed.
  4. The transaction is declared successful once the Bank debits the customer's funds/account. The applicable exchange rate at the Bank refers to the current exchange rate when the customer approves execution of the transaction by pressing ‘Send’ on the D-Bank PRO Service.
The Sender hereby agrees that the Bank has full authority to:
1. decline execution of the transfer instruction/order if (i) the Sender fails to complete the data related to the transfer, (ii) the Sender is unable to provide other necessary information according to the Bank’s applicable procedures, (iii) there are insufficient funds available, or (iv) the Sender’s account is inactive; if the value of the Sender’s transfer order exceeds the credit balance thereby causing the Sender's account balance to be debited under an overdrawn (overdrafted) status without Bank pre-approved written credit facilities and the required credit documentation which should have been accomplished prior to the transaction’s execution, then he/she agrees and willingly acknowledges to pay overdraft interest in accordance with applicable provisions;
2. decline overbooking transactions if both sender and recipient’s accounts are blocked due to a request from higher authorities (including Financial Transaction Reports and Analysis Center - PPATK or other authorized agencies) and/or law enforcement officials in accordance with applicable regulations or court decisions/resolutions;
3. charge fees in connection with the Bank’s implementation of the transfer, along with other applicable fees related to transfer instruction/order, wherein the costs are fully agreed to be charged according to the Sender's instructions/orders; the amount and implementation of the payment will be executed in accordance with the Bank’s applicable provisions; and
4. change the terms and conditions related to overbooking, and inform such changes in accordance with the Bank’s applicable procedures.
The Sender hereby agrees that the transfer instruction/order that has been executed by the Bank automatically binds himself/herself when the transfer instruction/order which was received by the Bank cannot be cancelled nor changed for any reason.
The Sender agrees and bears full responsibility for all demands, lawsuits and claims from any party (including from the Sender himself), and takes accountability for any and all losses and risks that may arise, which may be due to:

the Sender's negligence in completing the transfer instruction/order;
any refusal by the Bank based on any of the factors mentioned above;
any decrease in the nominal value transacted due to taxes, levies or depreciation; or
unavailability of the currency that was instructed to be transferred due to conversion or transfer restrictions, military take-over/seizure of power, acts of war, civil strikes or other reasons beyond the Bank’s control.

In addition to the provisions specifically stated in the General Terms and Conditions of D-Bank PRO Services, the Sender hereby declares and agrees to be subject to, and bound by, prevailing banking practices, applicable laws and regulations of the Republic of Indonesia, as well as current and future stipulations by Bank Indonesia in connection with overbooking transactions.

INTER-BANK RUPIAH TRANSFERS (IBFT ONLINE, SKN, RTGS) & PAYMENTS
1. The customer can perform money transfer transactions (Transfers) in Rupiah currency as the Sender via D-Bank PRO.
2. The Bank will execute the transfer instruction/order after all related data have been accomplished completely and correctly, and that available funds in the account are sufficient. In addition, all applicable legal provisions must be fulfilled for the Bank to accept the transfer order and execute by successfully debiting the Sender's bank account.
3. Whenever necessary and with the Customer's approval and authorization, the Bank has the right to request additional information (including but not limited to other related documents/letters) to verify and confirm with the Customer regarding the transaction.
4. The Bank system will execute fund transfers based on the data that has been entered by the Customer as the Sender via D-Bank PRO. Data concerning fund transfers should include clearly stated words, codes or numbers (if any) in recognition and compliance with laws and regulations, and the Bank’s applicable policies.
5. Rupiah transfers (SKN/RTGS/Online via ATM Bersama/Alto/PRIMA Network):

1. Rupiah transfer transactions can be performed using SKN (National Clearing System) service system, RTGS (Real-Time Gross Settlement) service system or online via the ATM Bersama/Alto/PRIMA network.
2. Transactions performed beyond the transaction time period for SKN and RTGS service systems will be processed and debited on the succeeding working day. On the other hand, transactions via online service system, particularly the ATM Bersama/Alto/PRIMA network, can be executed 24 hours a day and 7 days a week.

1. The Bank is hereby given full authority/power and right to take appropriate actions based on this provision, including the use of Originating Providers/Intermediary Providers/Final Beneficiary Providers, and/or executing transfers from a Bank designated location, in case of any disruption to the Bank's operational system, as well as confirming with related parties.
2. The customer, as the Sender, hereby agrees that every transfer instruction/order that has been executed by the Bank automatically binds himself/herself when the transfer instruction/order which was received by the Bank cannot be cancelled/changed for any reason.
3. The customer, as the Sender, hereby agrees that the Bank has full authority to:

1. decline execution of the transfer instruction/order if (i) the Sender fails to complete the data related to the transfer, (ii) the Sender is unable to provide other necessary information according to the Bank’s applicable procedures, (iii) there are insufficient funds available, or (iv) the Sender’s account is inactive; if the value of the Sender’s transfer order exceeds the credit balance thereby causing the Sender's account balance to be debited under an overdrawn (overdrafted) status without Bank pre-approved written credit facilities and the required credit documentation which should have been accomplished prior to the transaction’s execution, then he/she agrees and willingly acknowledges to pay overdraft interest in accordance with applicable provisions;
2. cancel, temporarily stop/postpone or block or return a transfer transaction if there is a request from higher authorities (including Financial Transaction Reports and Analysis Center - PPATK or other authorized agencies) and/or law enforcement officials in accordance with applicable regulations or court decisions/resolutions;
3. provide customer data of Sender regarding transfer transactions in case of a request from the Receiving Provider, Intermediary Provider or Final Beneficiary Provider;
4. charge fees in connection with the Bank’s implementation of transfers, including fees for transfer, facsimile, telex and/or commission, services of the Originating Provider, Intermediary Provider and/or Final Beneficiary Provider, and other applicable costs in connection with the execution/cancellation of the transfer instruction/order; charging of the corresponding fees have been agreed in accordance with the instructions/orders of the customer as the Sender; the corresponding amount and payment process shall be implemented in accordance with the Bank’s applicable provisions;
5. perform a re-debit of the Funds Transfer Instruction/Order if the initial debit was unsuccessful due to a system interruption or damage during the process, wherein the funds have been successfully credited to the Beneficiary's account or forwarded to the Intermediary Provider/Final Beneficiary Provider; and
6. revise general terms and conditions related to transfers and payments, which will be notified by the Bank in accordance with applicable regulations.

1. In case the transaction is declined, the Sender hereby agrees that the funds will be returned by the Bank back to his/her account, in accordance with the Bank’s applicable policies and prevailing laws and regulations.
2. The Sender bears full responsibility for all obligations, demands, lawsuits and any claims from any party (including from the Sender himself or the Recipient), and any or all possible losses and/or risks that may arise due to:
  1. Sender's negligence in completing the transfer instruction/order;
  2. the transfer is delayed, unreceived or declined by the Originating Provider/Intermediary Provider/Final Beneficiary Provider because of the Sender’s negligence or error in issuing the transfer instructions/order, or for any reason beyond the Bank's control (including but not limited to potential damages, defects, errors, interruptions, deficiencies or losses in sending transfer instructions/orders or data delivered via facsimile, telex, swift, or other media, and possible errors made by the Originating Provider/Intermediary Provider/Final Beneficiary Provider);
  3. instructions sent by the Bank are not executed / delayed by the Originating Provider/Intermediary Provider/Final Beneficiary Provider excluding other matters which cannot be fulfilled by the Bank in accordance with applicable regulations;
  4. temporary suspension, delay, blocking or return in accordance with applicable regulatory provisions;
  5. cancellation of the transfer instructions/order by the Sender;
  6. any decrease in the transaction nominal value due to taxes, levies or depreciation; or
  7. unavailability of the specific currency which was instructed to be transferred due to conversion or transfer restrictions, military take-over/seizure of power, acts of war, civil strikes or other reasons beyond the Bank’s control.
3. In addition to the provisions specifically stated in the General Terms and Conditions of D-Bank PRO Services regarding transfers and payments, the Customer hereby declares and agrees to be subject to, and bound by, the general terms and conditions of banking accounts and services, general terms and conditions of products/services, laws and regulations enforced in Indonesia, as well as all standard banking practices, and current and future regulations stipulated by Bank Indonesia in connection with transfer transactions.
BI FAST
1. These are the prevailing conditions for performing fund transfer transactions via the BI Fast service.
  1. Prior to using the Bank’s BI Fast service, the customer must ensure that the account number, mobile phone number or e-mail address of the Fund Recipient has been registered with the Fund Recipient's bank.
  2. To use the BI Fast service for receiving funds from other banks, customers are required to register a Proxy with the Bank.
  3. The customer, as Fund Sender, can only perform fund transfer transactions to other banks which are BI Fast participants via account number, mobile phone number or e-mail address.
  4. If the Fund Recipient Proxy has already been registered with BI Fast, the Bank system will execute the transfer instructions/order from the Customer after he/she confirms the Fund Recipient data via D-Bank PRO.
  5. Once a fund transfer transaction via the BI Fast service on D-Bank PRO has been executed, the customer can check his/her BI Fast transfer transaction history through the 'Transaction History' menu in D-Bank PRO. The Bank will send an e-mail notification of fund transfer transactions via the BI Fast service to the customer's e-mail address that was registered with the Bank and also via push notification to the customer's mobile phone, which can also be accessed via 'Notification' menu in D-Bank PRO.
  6. The BI Fast Service is not applicable for fund transfer transactions between the Bank’s customers.
  7. Fund transfer transactions via BI Fast can be performed any time (24 hours a day) and any day (7 days a week).
  8. The Fund Recipient's account will receive funds transferred by the Customer in real-time.
  9. For provisions related to other inter-bank Rupiah transfer transactions, refer to item F. Inter-Bank Rupiah Transfers (IBFT Online, SKN, RTGS) and Payments.
2. In the 'BI Fast Settings' menu, customers can view the BI Fast Proxy List, register BI Fast Proxy, Change BI Fast Proxy, Delete/Unregister BI Fast Proxy and Port BI Fast Proxy.
3. Customers can view the BI Fast Bank Proxy List along with the BI Fast Proxy List that have been registered with other banks. The other bank proxies which can be viewed on D-Bank PRO pertain only to Proxies whose respective Customer Identity Numbers are similar to the corresponding Customer Identity Numbers registered in the Bank's system.
4. The conditions for registering a BI Fast Proxy on D-Bank PRO are as follows:
  1. 1. 1. Only mobile phone numbers and/or e-mail addresses that have been registered in the Bank's system can be registered as BI Fast Proxy.
      2. Customers must ensure that the mobile phone number and/or e-mail address that will be registered as a BI Fast Proxy is the same mobile phone number and/or e-mail address registered in the Bank's system. In case the Customer wishes to change the mobile phone number and/or e-mail address, he/she must first perform a profile data update via Hello Danamon (1-500-090) or through the Bank’s nearest branch.
      3. During the BI Fast Proxy registration process, the Bank will send a Verification Code to the mobile phone number or e-mail address that the customer has selected to be registered as a BI Fast Proxy with D-Bank PRO. As such, the customer must confirm that the mobile phone number and/or e-mail address to be registered as a BI Fast Proxy are valid and active. The customer's negligence in ensuring the accuracy and completeness of the mobile phone number and/or e-mail address to be registered as a BI Fast Proxy may result to the possibility of not receiving the Verification Code sent by the Bank.
      4. Customers can choose either an active Savings Account or Current Account to link with their mobile phone number and/or e-mail address when registering for a BI Fast Proxy.
      5. Once the BI Fast Proxy registration transaction on D-Bank PRO is successful, the Bank will send an e-mail notification referring to the successful BI Fast Proxy registration to the customer's e-mail address registered with the Bank, and also a push notification to the customer's mobile phone and 'Notification' menu in D-Bank PRO.
      6. Only a single Customer Proxy (mobile phone number or e-mail address) can be linked to one Savings Account or Current Account number. On the other hand, a single Savings Account or Current Account number can be linked to one or more Customer Proxies (mobile phone number and e-mail address).
5. These are the conditions for changing the BI Fast Proxy on the D-Bank PRO.

1. To change the Savings Account or Current Account which is linked to the Proxy mobile phone number and/or e-mail address registered with the Bank, customer can select 'Change' on the Proxy screen details in the 'BI Fast Settings' menu.
2. Once the BI Fast Proxy on D-Bank PRO has been successfully changed, the Bank will send a notification of the successful transaction to the customer's e-mail address registered with the Bank. The customer will also receive a push notification on the customer's mobile phone and on the 'Notification' menu in D-Bank PRO.
3. If the customer closes a Savings Account or Current Account that was linked to the Proxy's mobile phone number and/or e-mail address, he/she is required to change the Savings Account or Current Account registered with the Proxy. The customer’s negligence to change account numbers that have been closed (inactive) on the Customer Proxy will result in him/her being unable to receive funds transferred from other banks that use the BI Fast service.

1. These are the conditions for deleting/unregistering BI Fast Proxy on the D-Bank PRO.
  1. 1. 1. Customers can delete/unregister Proxy mobile phone numbers and/or e-mail addresses registered with the Bank by selecting 'Delete' on the Proxy screen details in the 'BI Fast Settings' menu.
      2. Once the delete/unreg BI Fast Proxy transaction on D-Bank PRO is successful, the Bank will send an e-mail notification referring to the successful BI Fast Proxy deletion/unregistration to the customer's e-mail address registered with the Bank, and also a push notification to the customer's mobile phone and 'Notification' menu in D-Bank PRO.
      3. Proxy mobile phone numbers and/or customer e-mail addresses that have been deleted/unregistered are no longer stored in the BI Fast system. Therefore, the Proxy m mobile phone numbers and e-mail address can no longer serve as the destination for transferring funds from other banks via the BI Fast service.
      4. Customers can re-register mobile phone numbers and/or e-mail addresses that have been previously deleted/unregistered as BI Fast Proxies on D-Bank PRO.
2. These are the conditions for Porting BI Fast Proxy on D-Bank PRO.
  1. Customers can move a Proxy registered at another bank to become a Bank Proxy by selecting 'Move to Danamon' on the Proxy screen details in the 'BI Fast Proxy Settings' menu.
  2. Once the BI Fast Proxy Porting transaction on D-Bank PRO is successful, the Bank will send an e-mail notification referring the successful BI Fast Proxy Porting transaction to the customer's e-mail address registered with the Bank, and also a push notification to the customer's mobile phone and 'Notification' menu in D-Bank PRO.
  3. These are the conditions in porting a Proxy registered at another bank to become a Bank Proxy.

The Customer Identity File in other bank proxies should be the same as the Customer Identity File registered in the Bank's system.
The mobile phone number and/or e-mail address of the Proxy registered with another bank should be similar to the mobile phone number and/or e-mail address registered on the Bank's system.
If data containing the mobile phone number and/or e-mail address on the Proxy registered at another bank are different from the mobile phone number and/or e-mail address registered on the Bank's system, then the customer will only be limited to viewing the Proxy data without being able to Port the Proxy to the Bank.

FOREIGN CURRENCY FUND TRANSFER TO ANOTHER BANK (USING EITHER A SIMILAR OR DIFFERENT FOREIGN CURRENCY)
1. 1. 1. The Bank will execute the transfer instruction/order after all related data have been accomplished clearly and completely, in accordance with the Bank’s applicable provisions.
    2. Transfers using foreign currency (forex) follow prevailing exchange rates applicable at the Bank during the time the transaction is performed by the customer as the Sender.
    3. In case the transfer is issued in a foreign currency that is different from the currency of the debit account, the sale/purchase will be processed using the Rupiah currency first, then the sale/purchase will be executed into the foreign currency of the account that is the destination of the transfer.
    4. The Bank system will execute fund transfers based on the data that has been entered by the customer (Sender) via D-Bank PRO. Data related to fund transfers should include clearly stated words, codes or numbers (if any) in recognition and compliance with laws and regulations, and the Bank’s applicable policies.
    5. The following conditions apply for transfer transactions in foreign currency (Remittance).

This foreign currency transfer transaction service type can only be performed for current transactions (immediate) using the currency (value) at the time of the transaction. The Bank will debit the funds provided that available funds in the account are sufficient. The debit will be immediately executed when the fund transfer transaction is performed and sent to the recipient's account.
The following refer to the different types of foreign currency transfer transactions that can be performed:
1. 1. transactions from Rupiah to foreign currencies that are available at the Bank;

1. 1. transactions from a foreign currency to a similar foreign currency; and
  2. transactions from a foreign currency to a different foreign currency that is available at the Bank.
Foreign currency transfer transactions can only be performed during Bank working days with transaction time period from 09:00 WIB until 15:00 WIB. The customer/sender understands and agrees that the implementation of transactions related to foreign currency is subject to applicable laws and regulations and that he/she is willing to comply with requirements determined by the Bank.
Foreign currency transfer transactions performed within the transaction time period will be processed within the same working day. Transactions beyond the transaction time period cannot be executed.
Foreign currency transfer transactions from Rupiah to foreign currency for Bank purposes within the territory of the Republic of Indonesia can be performed and executed provided that both sender and recipient are the same (identical) person.
Foreign currency transfer transactions from Rupiah to foreign currency are subject to banking policies, and/or applicable laws and regulations. Furthermore, the cumulative value of foreign currency purchases against Rupiah within one month does not exceed USD 100,000.00 (One Hundred Thousand United States Dollars) or its equivalent, as stated and regulated under banking regulations, and/or Indonesia’s applicable laws and regulations.
1. 1. 1. The Bank exercises full authority, power and right to undertake corresponding actions based on its provisions, including: using a Correspondent Bank, Agent or Sub Agent to execute transfers from a place determined by the Bank in case of any disruption to its operational system.
    2. The Sender hereby understands and agrees that the transfer intruction/order that has been executed by the Bank automatically binds himself/herself from the time the Bank receives the transfer instruction/order. The transfer instruction/order cannot be cancelled nor changed for any reason.
    3. If the transaction has been declined, the customer (Sender) understands and agrees that the Bank will return the funds by crediting the account from where the debit was made in accordance with its applicable provisions.
    4. The implementation of fund transfers is subject to applicable provisions and regulations of the Payor’s Bank Country where the payment will be issued, including but not limited to the Provisions for Currency Exchange Restrictions from the government or other restrictions applicable to D-Bank PRO during the time of the Bank’s acceptance of the payment instruction/order.
    5. Whenever necessary, the Bank, with the approval of the Customer/Sender, has the right to request additional information (including but not limited to other related documents/statements) as a method of transaction verification and confirmation from the Customer/Sender.
    6. The Bank has the right to stop or cancel foreign currency transfer transactions if the Customer/Sender has failed to comply with the government's currency exchange restrictions, limitations, and/or other government/banking provisions related to D-Bank PRO transactions when the payment instruction/order was executed.
    7. The Customer/Sender hereby agrees to fulfill the requirements/procedures applicable to transfer transactions. These include entering additional information regarding foreign exchange traffic activities in accordance with provisions of Bank Indonesia or other authorized agencies if the outgoing foreign currency transfer transaction nominal is worth over USD 10,000.00 (Ten Thousand United States Dollars) or its equivalent amount as specified in applicable regulations. The Customer/Sender hereby guarantees the validty, accuracy and completeness of all data and information entered.
    8. The Customer/Sender hereby agrees and authorizes the Bank to:
      1. decline execution of the Funds Transfer Instruction/Order if (i) the Customer/Sender fails to complete all related data and/or provide other required information (according to the Bank’s applicable procedures), (ii) available funds are insufficient, or (iii) the account is inactive; if the value of the Customer/Sender’s fund transfer exceeds the credit balance thereby causing the Customer/Sender's account balance to be debited under an overdrawn (overdrafted) status without Bank pre-approved written credit facilities and the required credit documentation which should have been accomplished prior to the transaction’s execution, then he/she understands, agrees and is willing to pay overdraft interest in accordance with applicable regulations;
      2. cancel fund transfer transaction or temporarily stop, postpone, block or return fund transfer transaction if there is a request from higher authoritiers (including Financial Transaction Reports and Analysis Center - PPATK or other authorized agencies) and/or law enforcement officials in accordance with applicable regulations or court resolution/decision;
      3. decline to execute fund transfer if the Beneficiary Provider is unwilling to process the transfer order or delay credit in relation to the rules/regulations in the Beneficiary Provider's country (such as, provisions regarding foreign exchange transaction restrictions) or if the Beneficiary has not fulfilled the requirements or regulations determined by the Final Beneficiary Organizer, or provided full Sender data related to transfer transactions if there is a request from the Originating Providers/Intermediary Providers/Final Beneficiary Providers;
      4. charge fees in connection with the Bank’s implementation of transfers, including fees for transfer, facsimile, telex and/or commission, services of the Originating Provider, Intermediary Provider and/or Final Beneficiary Provider, and other applicable costs in connection with the execution/cancellation of the transfer instruction/order; charging of the corresponding fees have been agreed in accordance with the instructions/orders of the customer as the Sender; the corresponding amount and payment process shall be implemented in accordance with the Bank’s applicable provisions;
      5. revise the terms and conditions regarding fund transfers which will be notified by the Bank in accordance with applicable regulations.
    9. The Customer/Sender agrees and hereby bears full responsibility for all demands, suits and claims from any party (including from the Customer/Sender himself), as well as for any and all possible losses and risks that may arise, due to:
      1. the Customer/Sender’s negligence in completing Fund Transfer Instructions/Orders;
      2. the transfer is delayed, unreceived or declined by the Originating Provider/Intermediary Provider/Final Beneficiary Provider because of the Sender’s negligence or error in issuing the transfer instructions/order, restrictions in foreign exchange, or for any reason beyond the Bank's control (including but not limited to potential damages, defects, errors, interruptions, deficiencies or losses in sending transfer instructions/orders or data delivered via facsimile, telex, swift, BI-RTGS or other media, and possible errors made by the Originating Provider/Intermediary Provider/Final Beneficiary Provider);
      3. instructions sent by the Bank are not executed / delayed by the Originating Provider/Intermediary Provider/Final Beneficiary Provider despite the Bank’s initiative to use the Originating Provider/Intermediary Provider/Final Beneficiary Provider;
      4. temporary suspension, delay, blocking or return in accordance with applicable regulatory provisions;
      5. funds credited back to the Customer/Sender's account if a transfer is returned from the Receiving Bank wherein all possible losses arising from the return become the full responsibility of the Customer/Sender;
      6. cancellation of the transfer instruction/order by the Sender.
      7. any decrease in the transaction nominal value due to taxes, levies or depreciation; or
      8. unavailability of the specific currency which was instructed to be transferred due to conversion or transfer restrictions, military take-over/seizure of power, acts of war, civil strikes or other reasons beyond the Bank’s control.
    10. In addition to the provisions specificvally stated in these General Terms and Conditions of D-Bank PRO Services, the Customer/Sender hereby declares and agrees to be subject to, and bound by, the laws and regulations enforced in the Republic of Indonesia, as well as standard prevailing banking practices and all current and future regulations stipulated by Bank Indonesia in connection with fund transfer transactions.

CARDLESS CASH WITHDRAWAL (D-CASH)
1. To perform cardless cash withdrawal transactions, customers must reserve in advance through the Cardless Cash Withdrawal (D-Cash) menu on the D-Bank PRO application. The D-Cash reservation has a validity period of 1 (one) hour.
2. Customers are required to choose the account source for withdrawals, amount to be withdrawn and the type of withdrawal. The mobile phone number, which has been previously registered in Bank Danamon, will be automatically filled in. The Bank will send an e-mail/SMS confirmation for each reservation made by the Customer, wherein the relevant data/information are stated, such as reservation confirmation, reference number, account source, mobile phone number, amount and token number.
3. Each reservation made by the Customer has a specific validity period for cash withdrawals to be executed. The validity period is indicated in the reservation confirmation.
4. Customers are required to maintain confidentiality of the details of their withdrawal amount, mobile phone number, token number, and date and time of the cardless cash withdrawal.
5. The customer understands and acknowledges the possible risks arising from his/her errors and/or negligence in maintaining confidentiality of the token number, mobile phone number and withdrawal amount.
6. If a customer performs a cardless cash withdrawal from the Bank’s partner merchant, he/she must relay all the relevant data in the form of token number, mobile phone number and withdrawal amount to the authorized Merchant Officer.
7. Customers must perform another reservation, if:
  1. the validity period of the reservation has exceeded 1 (one) hour; and/or
  2. the account has insufficient funds.
8. For every successful cardless cash withdrawal transaction, the funds will be immediately debited from the debit source account as stated on the receipt which the the customer will receive. The Customer will always receive a confirmation for successful transactions,
9. Customers can cancel reservations. In the D-Cash menu which features a list of reserved cash withdrawals, select 'Cardless Cash Withdrawal Cancellation'.
10. In case of changes in the withdrawal amount for the reserved cardless cash withdrawal, customers must cancel their current reservation and reserve again.
11. Customers are encouraged to confirm and ensure that the cancellation of their reservation has been successful. In the D-Bank PRO menu, select ‘Cardless Cash Withdrawal Transaction’ then press ‘Cardless Cash Withdrawal History’ to view the list of cash withdrawals that have been cancelled.
12. The Bank also provides information regarding the success of a cash withdrawal reservation (or vice versa) to the Customer through its branch office and Hello Danamon (1-500-090 or hellodanamon@danamon.co.id). This information is particularly useful in case of delayed or unreceived confirmations after the customer performs the transaction. If the Customer fails to execute the cardless cash withdrawal transaction within the prescribed time limit, his/her funds will not decrease as long as the withdrawal has not been executed.
13. Cardless cash withdrawal transactions via Danamon ATMs can only be done at specific Danamon ATMs that have special markings or labels, whether in the form of stickers or other special signs clearly indicated on the ATM.
14. Cardless cash withdrawal transactions via merchants can only be done at specific partner merchants that have special markings oor labels, whether in the form of stickers or other special signs clearly placed in the merchant’s premises.
15. The customer bears full responsibility for all possible risks arising from his/her errors and/or negligence in maintaining confidentiality of the transaction.
16. The customer acknowledges and accepts the risks and consequences of certain conditions which may result in unsuccessful execution of the transactions, particularly in relation to Cardless Cash Withdrawal Transactions. These may be due to insufficient funds, incorrect data input or transaction beyond the time limit set by the Bank.
17. The customer bears full responsibility for submitting/disclosing data containing confirmation of the reservation to other parties.

CONTACTLESS PAYMENT

Customers can perform Contactless Payment transactions in Rupiah currency via the QRIS menu on the D-Bank PRO Mobile Service.
To perform a Contactless Payment transaction, customers must either scan the barcode/QR Code or upload a photo of the barcode/QR Code.
Customers are required to choose the source of funds for QRIS payments. This can be done using either a savings account or credit card.
The Bank will execute the payment instruction/order once (i) all data related to the implementation of the payment are received completely and correctly, (ii) the funds available in the account are sufficient and (iii) applicable legal provisions have been met. Only then can the Bank accept the payment instruction/order and successfully debit the Sender's account at the Bank.
The Bank system will execute payment based on data originating from the barcode/QR Code that has been scanned or uploaded by the Customer via D-Bank PRO Mobile.
Contactless Payment transactions can be performed any time and any day (24 hours a day and 7 days a week).
The Customer hereby agrees and acknowledges that the payment order, which has been executed by the Bank, automatically binds him/her when the Bank receives the payment instruction/order. The payment instruction/order cannot be cancelled nor changed for any reason.

DEBIT CARD
1. 1. 1. These are the conditions for using the Danamon Debit/ATM Card settings feature.

Prior to using the Danamon Debit/ATM Card settings feature, customers must register/activate the D-Bank PRO Service. If the customer registers/activates using a Danamon Debit/ATM Card, he/she can immediately access the Danamon Debit/ATM Card features on the D-Bank PRO Service.
The customer hereby agrees that the Danamon Debit/ATM Card settings feature can only be used for the types of transactions and requests determined by the Bank. The customer is therefore obliged to fulfill all the requirements and comply with the transaction limits for using the Danamon Debit/ATM Card, as determined by the Bank.
When using the Danamon Debit/ATM Card settings feature provided by the Bank through the D-Bank PRO Service, the customer is required to follow the Bank’s instructions and comply with its established provisions, along with all applicable laws and regulations, particularly with regards to the use of services and transactions involving Danamon Debit/ATM Cards.
All possible losses and/or known risks arising from negligence, inaccuracy and/or incomplete and/or incorrect data and/or orders/instructions submitted by the customer shall be his/her responsibility.
Every data/information and operational instruction for the Danamon Debit/ATM Card settings feature stored in the Bank's data is correct and valid, and shall be binding for each Danamon Debit/ATM transaction performed by the Customer through the D-Bank PRO Service. The customer is obliged to immediately notify the Bank in case of changes to data and other relevant information that differ from those previously provided and registered at the Bank. The customer's failure and negligence to notify the Bank concerning any of these changes remains his/her responsibility.

1. 1. 1. The Debit Card features available on D-Bank PRO Service refer to the following:
Danamon Debit/ATM Card (physical card form)
- - - - View Danamon Debit/ATM Card number
        
        Block and unblock
        
        PIN change
        
        Principal (main) account change
        
        Link (connect) and unlink (disconnect) account related to the Danamon Debit/ATM Card
        
        Debit Card activation

CREDIT CARD
1. 1. Prior to using the Credit Card feature, holders of Credit Cards must register/activate D-Bank PRO. If the holder of the Credit Card (cardholder) registers/activates using a Debit Card, the cardholder must perform the Credit Card Link process to be able to access the Credit Card features on D-Bank PRO. If the cardholder, however, registers/activates using a Credit Card, he/she can directly access the Credit Card features on D-Bank PRO without performing the Credit Card Link.
  2. The holder of the Credit Card hereby agrees and acknowledges that the Credit Card feature can only be used for the types of transactions and requests determined by the Bank. The cardholder is therefore obliged to fulfill all the requirements and comply with the transaction limits for using the Danamon Credit Card, as determined by the Bank.
  3. When using the Credit Card features provided by the Bank through D-Bank PRO Service, the cardholder is required to follow the Bank’s instructions and comply with its established provisions, along with all statutory regulations that specifically regulate the use of services and transactions of Credit Cards by cardholders.
  4. The Credit Cards that can be registered by cardholders in the D-Bank PRO’s Credit Card feature apply to those issued by the Bank which are already owned by the holder of the Credit Card and registered under a single (one) Customer Identification File (CIF).
  5. The customer hereby agrees that the Bank can only execute transactions or requests when using a Credit Card based on his/her instructions submitted via the Credit Card feature on D-Bank PRO. The Bank, however, has the right to delay and/or cancel the implementation of instructions/orders that have been submitted due to the following:

the absence of an available limit on the customer's Credit Card which will be used by the cardholder to perform transactions via D-Bank PRO;
the customer's account and/or Credit Card is blocked;
the Bank has been made aware or has sufficient evidence and/reasons to suspect that fraud or deceit has occurred, or will transpire, regarding transactions using Credit Cards via D-Bank PRO;
instructions/orders issued or submitted by Customers regarding the use of Credit Cards via D-Bank PRO run contrary to applicable banking laws and/or regulations;
the Credit Card account of the cardholder has been blocked upon the request of any authorized agency; and
other matters as regulated and stipulated in the general terms and conditions of Credit Card membership.

Any delay and/or cancellation of the implementation of instructions/orders that have been performed/submitted by the cardholder using the Credit Card feature on D-Bank PRO will be informed and notified through the Bank’s available communication media, in accordance with applicable regulations.

1. 1. The customer hereby agrees that instructions/orders received and executed by the Bank cannot be cancelled nor changed for any reason by the customer.
  2. The Bank will notify customers regarding transactions/requests that cannot be executed on the same day. This notification takes the form of a confirmation, the contents of which follow applicable Bank regulations, upon submission of the transaction/request instruction/order.
  3. When using the Credit Card feature, the customer is obliged to ensure accuracy and completeness of the instructions issued (including checking and verifying that all required data related to the transaction have been duly accomplished completely and correctly) based on the order/instruction format determined by the Bank.
  4. All possible losses and/or known risks arising from negligence, inaccuracy and/or incomplete and/or incorrect data and/or orders/instructions submitted by the customer shall be his/her responsibility.
  5. Every data/information and operational instruction for the Credit Card feature stored in the Bank's data is correct and valid, and shall be binding for every Credit Card transaction performed by the Customer via D-Bank PRO. The customer is obliged to immediately notify the Bank in case of changes to data and other relevant information that differ from those previously provided and registered at the Bank. The customer's failure and negligence to notify the Bank concerning any of these changes remains his/her responsibility.
  6. The Credit Card features available on D-Bank PRO refer to the following:

1. 1. Apply for New Card ("Add-On”)
  2. Activation
  3. Autopay
  4. Homepage
  5. Card Blocking/Unblocking
  6. Credit Card e-Statement
  7. Credit Card e-Statement Registration
  8. Installment Information
  9. Additional Card (Supplement)
  10. Credit Card Link
  11. Money Transfer
  12. My Own Installment (Transaction & Statement)
  13. Bill Payment
  14. Bill Payment Reminder (Payment Reminder)
  15. Points Redemption/Exchange
  16. Credit Card Summmary
  17. Recent Transactions
  18. Limit change
  19. PIN change
  20. Credit Card Homepage Danamon Paylight Card
  21. Card Appearance Change / Change Image/Face

For the respective terms and conditions of each Credit Card feature, please refer to the corresponding terms and conditions indicated on each Credit Card feature page in the D-Bank PRO Service.

FOREIGN CURRENCY PURCHASE AND SALE TRANSACTIONS VIA D-BANK PRO

1. Transaction Terms

a. Prior to using the Service, the customer is required to read, understand and agree to the transaction’s characteristics, benefits, risks, costs and other terms and conditions.

b. Customers must open a foreign currency account at the Bank (“Foreign Currency Account”) and have sufficient funds to perform and implement the transaction.

c. The transaction will fail if the available funds in the customer's account are insufficient during the time the Bank executes the transaction.

d. D-Bank PRO Services can accommodate transactions in 9 (nine) foreign currencies, notably: US Dollars (USD), Japanese Yen (JPY), Euros (EUR), Pound Sterling (GBP), Australian Dollars (AUD), New Zealand Dollar (NZD), Swiss Franc (CHF), Singapore Dollar (SGD) and Renminbi (CNY).

f. When the customer issues instructions upon performing transactions, the Bank will convert the currency to be transacted from the Foreign Currency Account, which is the source account of the Customer's funds using the applicable exchange rates on the D-Bank PRO Service, to the currency of the destination account.

g. The customer states, acknowledges and agrees that the exchange rate used refers to the Special Exchange Rate applicable to the Bank.

h. Transactions performed via the D-Bank PRO Service have a different exchange rate compared to the Bank’s branch office exchange rate. The customer will be aware of the exchange rate on the D-Bank PRO Service upon performing the transaction via D-Bank PRO.

2. Transaction Limit

a. The exchange rate that will be used by Bank Danamon during Trading Hours refers to the applicable Special Exchange Rate at the Bank.

b. The transaction limit for conversion or purchase of foreign currency against Rupiah, which can be performed through D-Bank PRO, is the accumulated equivalent of USD 100,000 (One Hundred Thousand United States Dollars) per month per Customer. This includes transactions across all channels owned by the Bank, including branch offices, Danamon Online Banking and D-Bank PRO.

c. The time period for submitting transaction instructions/orders for same-day execution by Bank Danamon is from 09:00 WIB until 15:00 WIB ("Transaction Instruction Deadline"). Transaction instructions/orders issued by Customers via D-Bank PRO beyond the Transaction Instruction Deadline will be executed by Bank Danamon on the next working day.

FOREGN CURRENCY WITHDRAWAL (BANK NOTES ORDER) AT DANAMON BRANCHES VIA D-BANK PRO
1. Transaction Terms and Conditions

a. Prior to using the service when performing transactions, the Customer is required to read, understand and agree to the transaction’s characteristics, benefits, risks, costs and other terms.

b. Prior to performing the transaction, the Customer is required to open a foreign currency account at Bank Danamon ("Foreign Currency Account") and ensure available funds are sufficient to implement the transaction.

c. By ticking ‘Agree’ on the D-Bank PRO Service before continuing the transaction, the customer is deemed to have read, understood and approved the characteristics, benefits, risks and costs, and shall be subject to the Bank’s applicable general terms and conditions regarding foreign currency withdrawals.

d. The Customer understands and acknowledges that foreign currency withdrawals (bank notes orders) via D-Bank PRO Service are only available in 5 (five) foreign currencies, notably: USD, SGD, AUD, EUR and JPY. Foreign currency withdrawals can only be done at certain Bank branches, as indicated in the D-Bank PRO Service.

e. The customer’s transaction will be based on his/her Foreign Currency Account denomination. He/she cannot select the denomination of the foreign currency in the D-Bank PRO Service.

f. The Customer is obliged to ensure accuracy and completeness of the transaction instructions/orders issued (including checking and verifying that all required data related to the transaction have been duly accomplished completely and correctly) based on the order/instruction format determined by Bank Danamon. The Customer hereby declares his/her guarantee and responsibility for any and all possible losses and/or risks arising from negligence, inaccuracy and/or inadequacy of data/or orders/instructions submitted to Bank Danamon.

g. Customers can only perform transactions during the working days of the week, specifically Mondays thru Fridays, when Bank Danamon branches are open for operations to the public and Bank Indonesia operates to provide clearing ("Working Days"). Working days exclude official holidays which are determined by either regional or the central government.

h. The transaction will be considered successful once the Customer receives the foreign currency withdrawal information sent by the Bank to his/her e-mail address that has been registered in the D-Bank PRO Service.

i. The Bank will block the amount of the foreign currency withdrawal (bank notes order) from the customer's funds at the debit account source once the transaction is successfully executed.

j. The Bank will consider the transaction as ‘failed’ if the funds in the Foreign Currency Account are not available or insufficient at the time when the transaction was performed by the Customer.

k. If the Customer withdraws foreign currency through the D-Bank PRO Service in accordance with the Transaction Deadline, then he/she can withdraw the foreign currency through his/her chosen Bank branch, within a minimum of 1 (one) working day and a maximum of 5 (five) working days after the transaction via D-Bank PRO Service was performed.

l. The foreign currency received by the customer will depend on the availability of the corresponding foreign currency at the selected Bank branch during the time the transaction was performed via D-Bank PRO Service.

m. In case the customer fails to withdraw foreign currency during his/her appointed time, Bank Danamon will consider the transaction as cancelled. Any such cancellation will incur the following penalty fees to be charged to the customer:

Foreign Currency	Penalty Fee %	Minimum Penalty Fee
USD	0,5%	Equivalent to Rp50.000,-
JPY	0,5%	Equivalent to Rp50.000,-
AUD	0,5%	Equivalent to Rp50.000,-
SGD	0,5%	Equivalent to Rp50.000,-
EUR	0,5%	Equivalent to Rp50.000,-

n. Bank Danamon will automatically debit the corresponding penalty fee concerning the transaction cancellation from the Customer's Foreign Currency Account. This will transpire at the beginning of the succeeding day from the customer’s assigned date of collection at the Branch.

o. Orders for each foreign currency have a maximum daily limit for each CIF. The maximum limit for foreign currency order per day is as follows:

Foreign Currency	Daily Maximum Limit per CIF
USD	100,000
JPY	10,000,000
AUD	100,000
SGD	100,000
EUR	100,000

Note:

Calculation of the limit includes the nominal value of the foreign currency order and corresponding administration fee (if any).

2. Transaction Limit

a. The time period for foreign currency orders via the D-Bank PRO Service starts from 06:00 WIB until 18:00 WIB during working days.

b. If the customer performs the transaction anytime between 06:00 WIB and 11:00 WIB, the foreign currency withdrawal at the customer’s chosen Bank branch via the D-Bank PRO Service can be executed within a minimum of 1 day + 1 working day and maximum of 1 day + 5 working days after the transaction is performed.

c. If the customer performs the transaction via the D-Bank PRO Service anytime between 11:01 WIB and 18:00 WIB, then the foreign currency withdrawal at the customer’s chosen Bank branch via the D-Bank PRO Service can be executed within a minimum of 1 day + 2 working days and maximum of 1 day + 5 working days after the transaction is performed.

d. If the customer’s scheduled foreign currency withdrawal date falls on a holiday (non-workoing day), as determined by Bank Indonesia or the government, then the foreign currency withdrawal shall be executed on the succeeding working day.

INSURANCE PRODUCT PURCHASE VIA D-BANK PRO SERVICE

Insurance products marketed by the Bank refer to products from insurance companies whose marketing is carried out in collaboration with the Bank. These products are therefore not a savings product at the Bank and cannot be categorized as a third party deposit at the Bank that is guaranteed by the government of the Republic of Indonesia. The risks related to these insurance products remain the sole responsibility of the Insurance Company.
The terms and conditions for insurance products and their marketing through D-Bank PRO Services are regulated separately for each insurance product and form an inseparable unit of the General Terms and Conditions for D-Bank PRO Services.

APPLICATION FOR CREDIT FACILITIES FROM THIRD PARTIES VIA D-BANK PRO SERVICES

To apply for a Credit Facility from a Third Party, the customer agrees to be redirected to the Third Party's page which shall not be part of the D-Bank PRO page.
The Third Parties’ products or credit facilities, are products from Third Parties whose marketing is carried out in collaboration with Bank Danamon. These are therefore not Bank Danamon products. All responsibilities, risks, credit analyses and approval processes remain the full authority and responsibility of the Third Party. The use of the Bank Danamon logo or attributes is only intended to signfy the partnership or cooperation between Third Parties and Bank Danamon.
Terms and conditions, as well as required documents for applying for a Credit Facility from a Third Party refer to the applicable provisions of the Third Party.

TERMS AND CONDITIONS OF FEES

1. 1. 1. 1. The provisions of applicable fees for D-Bank PRO Services may change at any time. For such cases, the Bank will notify the customer prior to the change through its avaialbale communication media.
      2. The Customer is required to pay fees, including corresponding fees related to the selected services such as transfer fees to other banks, payment charges and other fees applicable to the Bank in connection with the execution of banking transactions. The fee/s to be debited and corresponding amount will be in accordance with the applicable provisions for fees at the Bank which can be referred to in any of its available communication media.

AUTHORIZATION

The Customer hereby authorizes the Bank to debit fees related to D-Bank PRO Services.
The authorization, which is issued by the Customer for these general conditions, is granted with the right of substitution and shall be consistently valid for as long as the Customer uses D-Bank PRO Services, and as long as the Customer's obligations to the Bank have not been fully fulfilled. As such, this authorization cannot be revoked nor be terminated for any reason, including the reasons mentioned in Article 1813 (the granting of power of attorney ends with the withdrawal of the power of attorney, notification of the termination of the power of attorney, and demise, pardon or bankruptcy of the person issuing the power of attorney), Article 1814 (the grantor can withdraw his/her power of attorney whenever necessary and, if there is a reason for that, force the power of attorney to be revoked and returned), and Article 1816 (the granting of a new power of attorney, to carry out the same affairs, causes the first power of attorney to be withdrawn). Both the Indonesian Civil Code and Power of Attorney form an inseparable part of the General Terms and Conditions of D-Bank PRO Services.

PROHIBITIONS

The right to use D-Bank PRO Services may not be transferred for any reason, either in whole or in part, temporarily or permanently, to another party without prior written approval from the Bank. Customers bear full responsibility for all forms of misuse of D-Bank PRO Services, whether for Financial or Non-Financial Transactions.
Customers are prohibited from disclosing to anyone and in any way all matters related to Passwords, Verification Codes, Confidential Token Codes and mPIN, as well as information, documents and other related items received by the Customer, during and after use of the D-Bank PRO Service.
The Customer acknowledges and hereby agrees that any violation of the general provisions as referred to in points regarding Prohibitions (items 1 and 2) may result in the Bank's authority to terminate/close the D-Bank PRO Services, subject to prior customer notification.

WARRANTIES AND REPRESENTATIONS

The Customer hereby declares and agrees that his/her instructions/orders issued to the Bank for executing Banking Transactions through D-Bank PRO Services, which involve and require User ID/e-mail, Password, Confidential Token Code and mPIN, are recognized and acknowledged as valid instructions/orders. Likewise, the customer's approval for the execution of a transaction along with the instructions/orders have the same legal force as a written order signed by the customer and shall be legally binding as evidence, unless he/she can prove otherwise.
The Customer hereby declares and agrees that the Bank has the authority and right to record/document every instruction/order relayed through the D-Bank PRO Service. Such instructions and/or conversations (whether in the form of proof of transaction, recording/cartridge, and/or copies of instructions) are considered as valid and binding evidence.
The customer acknowledges his/her full awareness and understanding that banking transaction procedures through the D-Bank PRO Service have risks that may arise. Some of these risks are listed below.
1. Misuse of D-Bank PRO Services due to negligence/errors in entering data containing orders/instructions to the Bank which can result in, among other things:
  1. customer transactions that are declared to have been performed by another person who is not authorized;
  2. use of customer data by unauthorized parties; and
  3. knowledge or awareness of the customer’s User ID/e-mail, Password, Confidential Token Code, mPIN, OTP, Appli 1 and Appli 2 by other people, including any member of the family.
2. A delay or failure in accessing or providing information/data regarding Banking Transactions on the D-Bank PRO Service and/or execution of transactions wherein instructions/orders coursed through the D-Bank PRO Service are caused by, among other things: force majeure, repairs or maintenance, installation or use of D-Bank PRO Services that deviate from those functions determined by the Bank based on its general conditions, or other reasons and instances beyond the Bank's ability/control.
3. Interference from unauthorized parties who attempt to intrude and damage data, or other third parties who have illegal intentions.
4. Damages to hardware and software from the mobile phone industry or telecommunications operators, viruses and other harmful components.
The Bank remains responsible for the smooth operation and management of its system. The customer agrees and acknowledges that possible failures in the system and/or communication facilities are caused by things beyond the Bank's control or due to the customer’s unfulfillment of the corresponding applicable terms and conditions. Each service remains the risk and responsibility of the customer. In connection with this acknowledgment, the customer also agrees and authorizes the Bank to undertake the necessary corrections to the customer's account related to his/her banking transactions. In case the corrections have been undertaken and these reveal insufficiency of funds in the customer's account, he/she hereby agrees to fully pay in cash to the Bank upon receiving initial notification from the Bank.
The Bank will maintain utmost confidentiality of the data provided by the customer. The Bank will only use this data for its own interest and in fulfilling services to the customer, including third parties, in accordance with applicable laws and regulations.
The customer hereby declares that the Bank has provided sufficient explanation regarding the characteristics of the D-Bank PRO Service and that he/she has understood all the consequences of using the D-Bank PRO Service, including its related benefits, risks and costs.
The customer hereby declares to be subject to, and bound by, the General Terms and Conditions of D-Bank PRO Services, applicable laws and regulations in the Republic of Indonesia, applicable banking policies, as well as other provisions stipulated by Bank Indonesia in connection with Banking Transaction services via electronic media including D-Bank PRO Services.
In addition to the provisions specifically stated and stipulated in the General Terms and Conditions of D-Bank PRO Services, the customer hereby declares to be subject to, and bound by, the General Terms and Conditions for Accounts and Banking Services as well as the General Terms and Conditions for Danamon Credit Card Membership - PT Bank Danamon Indonesia Tbk.

FORCE MAJEURE

No party is declared to have been negligent or committed any violation of the contents/provisions if this is caused by Force Majeure.
In the event of an occurrence of Force Majeure against one of the parties, that affected party is obliged to immediately notify the other party of the Force Majeure in any way possible, by issuing a notification no later than 3 (three) working days after the end of the Force Majeure.
If the party affected by the Force Majeure fails to notify the other party within the time period as specified in the General Terms and Conditions of D-Bank PRO Services, then all possible losses that may arise will be the burden and responsibility of the party affected by the Force Majeure.

TRANSACTION COMMUNICATION MEDIA

Transaction communication media used refer to Inbox (Message Box) and Push Notification (Message & Information) on D-Bank PRO Services, Danamon corporate website, SMS or e-mail address.

CUSTOMER COMPLAINTS SERVICES, PROCEDURES AND RESOLUTION

Customers and/or customer representatives can submit verbal or written complaints regarding banking transactions/services through the nearest Bank branch or via Hello Danamon (1-500-090 or hellodanamon@danamon.co.id).
In case the customer and/or customer representative submits a verbal complaint, the Bank will conduct verification upon receiving the complaint from the customer and/or customer representative.
In the event that the verbal complaint cannot be resolved within 5 (five) working days from the time the complaint was received, the Bank has the right to ask the customer and/or customer representative to file a written complaint accompanied by supporting documents required by the Bank.
Written complaints submitted by customers and/or customer representatives will be resolved within 20 (twenty) working days after the documents related to the Customer Complaint are received in full by the Bank. The Bank will send a written notification to the corresponding customer.
In the event that the customer and/or customer representative is unable to fulfill the required documents, the Bank will inform him/her to complete these documents within a maximum period of 20 (twenty) working days, plus an additional 20 (twenty) working days if:

a. the required documents are not located at the Customer's domicile; and/or

b. other reasons or matters beyond the customer's control.

The Bank has the right to extend the time for resolving the complaint for up to another 20 (twenty) working days, in recognition of the considerations listed below. The extension for resolution will be notified in witing to the customer and/or customer representative.
1. The Bank branch that received the complaint differs from the actual Bank branch which is the subject of the complaint and where the problem occurred. Communication issues may arise between the two Bank branches.
2. Complaints require specialized investigation or research of Bank documents.
3. Force Majeure occurs as referred to in these General Terms and Conditions and/or other causes beyond the Bank's control. In such cases, the Bank has taken reasonable remedial steps in accordance with standard banking practices.
The Bank may also resolve complaints beyond the 2 (two) x 20 (twenty) working day resolution period if such complaint resolution requires a follow-up with another party that may affect the complaint resolution period. The Bank will notify the customer and/or customer representative in writing of any extension of the complaint resolution period prior to its expected resolution date.
If the customer and/or customer representative submits a written complaint, he/she must complete the following documents: special power of attorney (if authorized), type and date of financial transaction, and the subject of the complaint (available in the form to be filled in by the customer). For other required documents, the customer and/or customer representative can access the Bank Danamon website via: https://www.danamon.co.id
Customers have the right to submit dispute resolution through the banking mediation process (specifically related to payment systems) or through other institutions for dispute resolution facilitated by the Financial Services Authority/Bank Indonesia in accordance with applicable laws and regulations.
The Bank is required to provide information regarding the complaint handling status when the customer and/or customer representative requests an explanation from the Bank regarding the complaint submitted.
The bank may decline to process a complaint if:
1. the customer and/or customer representative fails to complete the required documents within the specified time period;
2. previous similar complaints have been resolved by the Bank in accordance with applicable statutory provisions;
3. complaints are not related to material, reasonable and direct losses and/or potential losses as stated in the agreement and/or financial transaction documents; and/or
4. complaints are not related to financial transactions issued by the bank concerned.
If a written complaint is submitted, then the Bank is obliged to respond in writing. On the other hand, if the complaint is submitted verbally, the Bank will submit a response to the complaint verbally and/or in writing.
In case the customer and/or customer representative submits an objection to the complaint resolution and/or submits new documents which may result in changes to the complaint resolution, the Bank is required to resolve the objection within the time period as stipulated in the provisions of points 4 and 6.
In case the customer and/or customer representative rejects the Bank’s complaint resolution, he/she can further resolve the dispute in accordance with the provisions under the applicable laws and jurisdiction section of these General Terms and Conditions.
Procedures regarding Customer Complaints services can be accessed via the website link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah or through Hello Danamon service (1-500-090 or hellodanamon@danamon.co.id).

MOBILE PHONE NUMBER AND ELECTRONIC MAIL (E-MAIL)

The Bank will use the mobile phone number and/or e-mail address registered by the Customer when registering/activating his/her D-Bank PRO Service to send information regarding the status of Financial Transactions (performed by the customer) and other information related to D-Bank PRO Services.
The Bank will send all information related to D-Bank PRO Services to the mobile phone number and/or e-mail address, as intended in point 1, which has been verified and confirmed by the customer.
The Bank is not responsible for the security of e-mailed data/information, which are not available on the D-Bank PRO Service, wherein the format cannot be secured and determined by the Bank.
The customer is required to immediately notify the Bank if there is a change in his/her mobile phone number and/or e-mail address through its available communication media. The Bank is not responsible for the customer's negligence in notifying the Bank of any changes in his/her mobile phone number and/or e-mail address.
Customers can change their mobile phone number and e-mail address through the Profile menu - Personal Data Update on the D-Bank PRO or via Hello Danamon or the nearest branch. The customer will be prompted to perform the reactivation process once the change is processed.

JURISDICTION AND APPLICABLE LAWS

The D-Bank PRO General Terms and Conditions have been interpreted in accordance and subject to the laws of the Republic of Indonesia.
If there is any conflict in interpretation, discrepancy and/or dispute ("Dispute") arising from, or in connection with, the General Terms and Conditions of D-Bank PRO Services, both Bank and customer agree to resolve the dispute by means of deliberation to reach a consensus within a maximum period of 30 (thirty) calendar days starting from the date when the receiving party accepts written notification from the other party regarding the existence of any Dispute ("Deliberation Period").
If both parties fail to reach an agreement after the end of the Deliberation Period, the Bank and customer may choose to resolve the dispute through mediation at the Alternative Institution for Dispute Resolution in the Financial Services Sector of Jakarta – LAPS SJK (based on a written agreement) within 14 (fourteen) calendar days from the end of the Deliberation Period (“Mediation Selection Period”). Dispute resolution through mediation at an Alternative Institution for Dispute Resolution in the Financial Services Sector is processed within a maximum period of 30 (thirty) calendar days from the start of mediation.
In the event that a dispute cannot be resolved whether: (a) through deliberation, (b) failure to reach a written agreement after the end of the Mediation Selection Period, and/or (c) by mediation, then the dispute will be resolved through the South Jakarta District Court.

MISCELLANEOUS

The customer agrees and acknowledges that General Terms and Conditions apply to D-Bank PRO Services provided by the Bank.
These General Terms and Conditions form an inseparable part of the General Terms and Conditions for Accounts and Banking Services, as well as the General Terms and Conditions for each banking product/service that applies to the Bank.
In case a provision in these General Terms and Conditions of D-Bank PRO Services is disallowed, cannot be implemented, becomes invalid or declared null and void, which may be due to a government or court decision, it shall not affect the validity of the other provisions in the General Terms and Conditions. The General Terms and Conditions of D-Bank PRO Services, along with other provisions, remain valid, binding and enforceable. In regards to provisions that are disallowed or cannot be implemented, the Bank will adjust/revise these provisions and replace them with provisions that can be implemented in accordance with Bank policy.
If, upon submitting the application, the corresponding customer has not been able to complete the documents required by applicable laws and regulations or as required by the Bank, then the applicant hereby agrees to immediately complete the said requirements and submit them to the Bank. The applicant also accepts all consequences that may arise if these requirements cannot be met.
In the event of any inconsistency between the General Terms and Conditions of D-Bank PRO Services and marketing media (including but not limited to brochures, product terms and conditions, etc.), then the applicable provisions shall refer to the General Terms and Conditions of D-Bank PRO Services.
The customer hereby agrees and acknowledges that the Bank has the right to correct/amend/complete the General Terms and Conditions of D-Bank PRO Services. Any corrections/amendments/updates to the General Terms and Conditions of D-Bank PRO Services will be notified via the Bank’s available communication media in accordance with Indonesia’s applicable laws and regulations.
In the event that there are changes to the benefits, risks, costs, and general terms and conditions, the customer has the right to submit a written objection to the Bank within 30 (thirty) working days from notification of the changes by the Bank via its available communication media. The customer agrees that the Bank will consider his/her agreement to the change/s if he/she fails to submit an objection within that time period. If the customer disagrees with these changes, he/she has the right to terminate the use of the Bank's features, services or products by first completing all of his/her outstanding obligations to the Bank.
If there are any indications of fraud, deceit, transaction irregularities, unfair transactions, indications of money laundering and/or indications of actions that are not in accordance with statutory regulations, then the Bank has the right to cancel the transaction or terminate the customer’s use of D-Bank PRO.
The customer declares that transactions have no indications of money laundering and/or other transactions that are prohibited based on the laws and regulations enforced in Indonesia.
The titles and terms used in these General Terms and Conditions for D-Bank PRO Services are solely intended to facilitate understanding of the contents of these General Terms and Conditions for D-Bank PRO Services.
The customer agrees to sign additional documents that are reasonably required by the Bank in connection with the D-Bank PRO Service.
These General Terms and Conditions of D-Bank PRO Services follow the provisions of laws and regulations including those of the Financial Services Authority.

REMINDER

Customers should always exercise caution against fraud committed by unauthorized individuals acting on behalf of Bank Danamon who promise rewards in any form. Any fraud or other forms of deceit or criminal acts committed by other parties/third parties associated with or on behalf of Bank Danamon are beyond the authority of Bank Danamon.

PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK)

24-Hour Information/Complaint Services

Hello Danamon: 1-500-090

E-mail: hellodanamon@danamon.co.id

Website: www.danamon.co.id

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