Terms and Conditions of BRIDGE Mobile App

INTRODUCTION

These terms and conditions for BRIDGE Mobile App (the “Terms and Conditions”) govern the operation and usage of BRIDGE Bank Plc (“BRIDGE”)’s Mobile Banking Services and Application known as the “BRIDGE Mobile App and Services”. The Terms and Conditions shall form an agreement between you and BRIDGE and set out the Terms and Conditions governing your access to and usage of BRIDGE Mobile App Services.

Please note that this is an important document that you should read and understand carefully before accepting the Terms and Conditions and deciding to use BRIDGE Mobile App and Services. If you do not understand, or you are unsure about any aspect of these Terms and Conditions, please do not hesitate to contact BRIDGE.

By clicking “Accept”, it means that you have read, understood, acknowledged, accepted, and agreed to be bound by the Terms and Conditions and other terms and conditions of the products and/or services mentioned herein. To the extent such other terms and conditions of the products and/or services and the Terms and Conditions are in contradiction, the Terms and Conditions hereof shall prevail unless such other terms and conditions are expressed to apply instead to these Terms and Conditions.

1. Scope

These Terms and Conditions apply to all BRIDGE’s existing and new customers who wish to use BRIDGE Mobile App Services. Please note that any other terms and conditions related to your saving account and relationship with BRIDGE will continue to apply and remain valid (unless specified otherwise in these Terms and Conditions).

2. Definition

• “BRIDGE” refers to BRIDGE Bank Plc, a commercial bank licensed by the National Bank of Cambodia to carry out banking operations in the Kingdom of Cambodia.
• “BRIDGE Digital Channel”, and “BRIDGE Digital Banking” refer to the bank products and services made available to service BRIDGE’s customers electronically including but not limited to BRIDGE Mobile App, Corporate internet banking, ATM Terminal, and Cash-in Terminal, etc; the BRIDGE enable from time to time in the future.
• “Account(s)” refers to all types of products and services of BRIDGE’s loan deposit and saving accounts, including but not limited to all term accounts, non-term accounts, including individual, joint individual, corporate account, or other savings account that BRIDGE may create and implement from time to time in the future.
• “Default Account(s)” refers to the account(s) set up by you and/or by the bank’s technology mechanism logic for the purpose of providing convenience and seamless experience to you while you are using our services. However, you can change such default account at any time through available service channels allowed by the bank including your BRIDGE Mobile App, bank branch office, and so on.
• “Account Balance” refers to your available balance and/or balance of funds of your BRIDGE bank account(s) in the bank system.
• “BRIDGE Mobile App” “BRIDGE Mobile” refers to a mobile application that is developed and made available by BRIDGE and published to digital stores such as the App Store (IOS), Play Store (Android), or other methods supported by technologies platform from the globe and for its customers to download and install for the usage of accessing to BRIDGE Mobile Banking Services.
• “BRIDGE Mobile App Service” refers to any or all those BRIDGE’s banking services available online and accessible through BRIDGE Mobile App including but not limited to any type of financial transactions and non-financial transactions.
• “Card(s)” refer to BRIDGE’s issued debit cards and credit cards, both virtual and physical plastic cards which can be used to perform transactions with BRIDGE’s Branches Office, Automated Teller Machine (“ATM”), Cash Deposit/Cash In Machine (“CDM” or “CRM”), and other channels distributed by BRIDGE Bank.
• “BRIDGE Digital Banking channel” or “BRIDGE Digital Banking Services” refers to the performance, operations, or usage of banking transactions that are available online through mobile smartphones, tablets, smart devices (called “device”), etc. throughout the bank’s digital ecosystem and/or under connecting with the bank’s partners and payment networks which it allows customers to do banking transaction such as for checking account balance, account detail or transaction inquiry, initiating fund transfers, mobile top-up, change PIN Code, payments and the other transaction types which updated and enable from time to time by the bank.
• “User Credential” or “Security Credentials” refers to your BRIDGE Mobile Banking Application’s user ID and Password or any other confirmation code used to authenticate the ownership of the BRIDGE Mobile Banking Application including One-Time Password (OTP), Biometrics such as Face ID and Fingerprint.
• “Login Credential” or “Security Credential” refers to all secret information provided by the bank and created by the customers which shall be used as part of authentication and verification during the processes of accessing the BRIDGE Mobile app including but not limited to user ID, registered phone number, National Identification Number, account number, card number, login PIN or password, OTP, other two-factor-authentication code, etc.
• “OTP” refers to a 6-digit numeric code that is sent to the customer’s registered phone number in the bank system(s). The code is used as a real-time verification of the ownership of the bank account(s) and/or request to access the bank’s digital banking services.
• “PIN” or “Password” or “Login PIN” refers to the 6 digits numeric personal identification number of BRIDGE Mobile and Cards. It is set by the customers and used for verification to access BRIDGE Mobile Banking, and/or the authorization of any of your transactions transacted through BRIDGE Mobile and Cards at any time.
• “We, us, ours” refer to BRIDGE Bank Plc.
• “You”, “Yours”, “Your”, and “Customer(s)” refer to the customer who is a subscriber who has registered the access as well as uses of the BRIDGE Mobile Banking App and also means the account holder and non-Bridge account holder that acquire one-off services from BRIDGE.
• “Biometric Identifier” and “Biometric” refer to a fingerprint, facial data (known as Face ID), and any other means by which a mobile device manufacturer allows a user to authenticate their identity for the purposes of unlocking their mobile device and access to the specific applications including Bridge Mobile App installed in the device.
• “CIF number” and “CID number” refer to a unique customer identification number used in the BRIDGE Bank’s system that you receive during your first BRIDGE account opening with the bank.
• “Content” refers to any information, images, links, sounds, graphics, video, software, or other materials, including quotes, news, and research data, made available through Bridge Mobile and/or published by BRIDGE Bank relating to the bank’s digital banking services.
• “Fixed Deposit Certificate” and “Fixed Deposit Digital Certificate” refer to an informational electronic document of your Fixed Deposit Account details opened via BRIDGE Mobile or at branches.
• “Electronic Statement (e-Statement)”, “Statement”, and “Bank Statement” refer to a consolidated and list of banking statement that reflects Bridge’s records for a specific period of time of Customer’s Account which is available for viewing and/or downloading via BRIDGE Mobile. The Electronic Statement is for informational purposes only.
• “Mobile Account” refers to any customer’s BRIDGE bank account regardless account product name that you have opened through BRIDGE Mobile App or other BRIDGE Digital Banking channel.
• “Jailbreak device” or “Root device” refers to a smartphone or other mobile device that the original device’s software or operating platform is modified to remove such restrictions imposed by the device’s manufacturer or operator to allow the installation of any unauthorized software.
• “Mobile Operator” refers to a participating mobile telephone network operator.
• “Notification” refers to and includes SMS and in-app push notifications sent to you on different occasions related to banking transactions or other administrative alerts and notifications sent by the bank.
• “Payments” refer to any payment transaction initiated by you through BRIDGE Mobile to pay to the services provider, billers, and vendor which it will debit your eligible Account’s balance; for example, payment to your electricity service provider and so on.
• “Personal Information” refers to the personal information provided by you to BRIDGE, including but not limited to your full name, national identity number (NID or passport), date of birth, phone number, email, addresses, etc.
• “BRIDGE Partner(s)” refers to a legal entity legally licensed by the government ministry to operate financial services or non-financial services in Cambodia that is signed a partnership agreement with BRIDGE in connection with business relationship collaboration for collecting of payment or bilateral and interoperability transfer under a certain legal arrangement.
• “Scan QR” or “Scan Pay” refers to any QR code scanning transaction enabled through BRIDGE Mobile that allows users to scan and pay at the BRIDGE PAY point of sale network or at other BRIDGE’s participating payment network to process various types of transactions including but not limited to bill payment, purchase, and fund transfer.
• “Transfer” and “fund transfer” refers to any fund transfer whereby BRIDGE becomes a sending or receiving bank on behalf of you on any transmitting of the fund made to/from you which is including but not limited to an intra-bank transfer, inter-bank transfer, and oversea transfers, etc.
• “Transaction” or “Banking Transaction” refers to any financial record or operation made or performed by you or any person purporting to be you, or any person purportedly acting on your behalf, with or without your consent, including but not limited to bill payment, phone top-up, purchase, fund transfer, and any other bank transactions, etc.
• “Transaction History” and “Transaction record” refer to a record of all the transactions performed within your BRIDGE Bank Account within a specific period.
• “Username” refers to an identification of you for accessing BRIDGE Mobile.
• “Virtual Card” refers to any BRIDGE virtually issued cards via BRIDGE Mobile.
• “Merchant” and “Point of Sale” refers to applicable points of sales including in-store and online merchants accepting payment for goods and/or services in which you pay using your BRIDGE Mobile or Cards.
• Know Your Customer” or “KYC” refers to the processes and requirements set out by BRIDGE to fulfill and executed digitally and physically as and when BRIDGE has entered any relationship with its customers.
• “Full KYC” refers to accounts and customers who have fully complied with and fulfilled BRIDGE’s KYC requirements. The accounts and customers can access any banking transactions which allowed the BRIDGE according to BRIDGE’s products and services features.
• “Partial KYC” refers to accounts and customers who have partially fulfilled BRIDGE’s KYC requirement during entering a relationship with BRIDGE. The accounts and customers are only allowed to access up to a limit of banking transactions and a certain threshold of the amount to their banking transactions.

3. Registration and Eligibilities
   • Customers both Existing-To-Bank and New-To-Bank shall install BRIDGE Mobile Application which can be downloaded from App Store (IOS) or Play Store (Android) or other available methods through technology, into the customer’s devices/smartphones by following through the processes navigate by BRIDGE Mobile App.

4. Fees and Charges
   • fees and charges may apply when you make certain transactions or engage products and services available in BRIDGE Mobile in accordance with the terms and conditions and which they are allowed within the features of the products and services of BRIDGE. You may find the fees and charges of specific products and/or services of BRIDGE at any BRIDGE’s branch, website, and other forms may be published from time to time by BRIDGE.
   • BRIDGE may impose fees and charges for the use of BRIDGE Mobile App from time to time including but not limited to administrative services and transaction fees. The details of such fees and charges will be displayed during the performance of the transaction. You agree to pay and authorize BRIDGE to debit the applicable fee amount directly from your Account.
   • You will incur a data charge of the internet from your mobile service provider for some operations including but not limited to downloading, updating, and using BRIDGE Mobile App. All these kinds of charges in relation to the mentioned matters in this clause shall be at your own liability and you shall contact your Mobile Operator including their fees & charges for the mentioned matter. 

5. Interest Payment and Taxes Obligation
   • There is no interest payment that will be provided by BRIDGE for the use of BRIDGE Mobile App Services. However, customers may receive the interest payment based on their Account according to their account’s product features set out by BRIDGE in which the account is linked and connected with BRIDGE Mobile App.
   • BRIDGE is not responsible for or liable for any tax payment obligation incurred to you from your payment transaction or applicable taxes arising to you from time to time in the future. 

6. Usage Limit Amount and Count
   • For risk protection and mitigation reasons, BRIDGE reserves the right to set and modify the threshold of the customer’s usage daily limit and transaction limit amount and transaction count from time to time without giving prior notice to the customers.
   • The daily limit and transaction limit amount and transaction count will be set for every transaction type and made available through any channels that BRIDGE deems best and may fit including but not limited to the website, official social media, branch office, etc.
   • The transaction limit amount and count might be allowed to modify by customers from time to time through their BRIDGE Mobile App or requested by the customers and modified by the BRIDGE’s staff. Any modification fee might be applied according to the bank fee and charge policy. 

7. Accessibilities, Availabilities, and Connectivity
   • Login credential is required to be input by the customer during activation or login to BRIDGE Mobile.
   • You will be required to enter OTP for every different device sign-in to access BRIDGE Mobile App by using your user credential and your login password. The OTP will be sent to your registered phone number only.
   • BRIDGE may allow your BRIDGE Mobile access on other devices than your initial device ID used to login to BRIDGE Mobile, provided, however, you are fully responsible for keeping your login credentials and login PIN and password secure and private to only yourself and avoid sharing them with anyone including but not limited to your family members, friends, police, banking staff, etc.
   • BRIDGE may, but not required to, deny and/or restrict access to BRIDGE Mobile if the device’s operating system is not genuine including without limitation to rooted or jail-broken devices and you shall responsible for your own loss and/or damages occurs as a result of using such devices to access to BRIDGE Mobile. Access to BRIDGE Mobile will be restricted if your device is manufactured for a specific country in which its operating system is not compatible nor complying with an international standard or BRIDGE technical or security standard.
   • BRIDGE may add or remove any features or disable any functions and/or operations in BRIDGE Mobile or any of its services at any time if any threat is identified as having any impact to the customers, BRIDGE business operations, or for a purpose of performing our periodically system maintenance.
   • If your device’s internet connection is disconnected you will not be able to perform such inquiry or transaction through your BRIDGE Mobile app. BRIDGE is dependent on the reliability of its own operational processes and those of its technologies and telecommunications partners in respect of devices networks, and telecommunications. Disruptions to these processes may result in Mobile Banking services being unavailable too.
   • BRIDGE shall not be liable to customers for any incompleteness, unavailability, failure, interruption, suspension, or delay in BRIDGE Mobile App’s transaction processing including but not limited to the sending of any alert or notification, receipt, or execution of any instructions from BRIDGE due to any reason which is beyond the reasonable control or capability of BRIDGE including internet connection failure and down.
   • BRIDGE shall not be liable to nor responsible for such inaccessibility or interruption of BRIDGE Mobile on any devices which the device’s operation system version is too old or out of date and below the initial supported version by the BRIDGE Mobile app’s coding and programming supposed to support.
   • You agree that BRIDGE will not be liable for any damage or loss suffered by you where the service is temporarily unavailable or where a system or equipment necessary for BRIDGE Mobile Service to operate fails to function in a normal or satisfactory manner, regardless of how this may have been caused. 

8. Features and Version Update
   • BRIDGE reserves the right to enhance and improve BRIDGE Mobile’s securities, compatibilities, features, and functions from time to time and will frequently release new versions in order to bring new features, risk protection, and other improvements including but not limited to the user interface, user experiences, security features, and the other operations. You should update and use the up-to-date version of your BRIDGE Mobile to enjoy certain features and risk protection that technically require an update.
   • If your device’s operating system version is not up-to-date or not compatible with BRIDGE Mobile Application, it may cause BRIDGE Mobile to be unable to perform certain transactions or services. 

9. General Risk Protection and Prevention
   • You shall always be responsible for and accountable for any unauthorized use of, or unauthorized access to your BRIDGE Mobile that has used your security information and login credentials.
   • You should be aware of any risks that might happen to you. Thus, you should be aware of the following precautions:

• Do not share or let other persons use your Login Credentials to access your BRIDGE Mobile or other BRIDGE Digital Banking Services. Please remain to keep your login credentials strictly private to only yourself.
• Avoid accessing your BRIDGE Mobile on other people’s phones or devices. However, if you have done so, you MUST ensure that you have completely logout and delete your saved login’s session after handing over the device to the device owner. In addition, you shall not use or turn on the biometric identifier (Fingerprint and/or Face ID) to login to your BRIDGE Mobile on other people’s phones or devices.
• Set up your phone/device security login password properly and never share it to anyone or let other person unlock your mobile phone/device on your behalf or never let other person set his/her biometric identifier (Fingerprint and/or Face ID) in your mobile phone/device and accessing your BRIDGE Mobile Application.
• Avoid sharing your login PIN or any secret codes, including the 6-digit OTP code which has been sent to your registered mobile phone to anyone, including your family, friends, bank staff and/or institutions regardless such persons give you whatever reason.
• Avoid recording or writing your login PIN, card number, and the other login credential anywhere but trying to memorize as well as keeping it remain completely private to yourself only.
• Please do not leave your mobile phone/device unattended while you are remaining logged in your BRIDGE Mobile App.
• Ensure that your Login Credentials including BRIDGE Mobile’s login PIN and other login credentials remain confidential and strictly private to only yourself. Also making sure that you take the necessary steps against being disclosed to other people.
• Protect your Login Credentials from being seen by other people while you are entering them to access your BRIDGE Mobile and account.
• Avoid letting another person set up his/her biometric identifier (Fingerprint and/or Face ID) in your devices that you use to access your BRIDGE Mobile App.
• Always ignore all emails even though it is the emails or requests from BRIDGE requiring you to input your Login PIN, 6-digit OTP code, or other login credentials. Please note that BRIDGE or its staff will never send such emails to request for your Login PIN, 6-digit OTP code, or other login credentials. If you encounter such event, you must report to BRIDGE immediately through the contact center or nearest branch location.
• Always ignore all call requests even though it is said that calling from BRIDGE requires you to tell your Login PIN, or OTP code, or other login credentials. Please note that BRIDGE or its staff will never call you to requesting such a Login PIN or other login credentials from you. If you encounter this, you shall report to BRIDGE immediately through the contact center or nearest branch location.
• Keep yourself aware of the fake use of similar or the same BRIDGE Mobile App interface or other means through any electronic devices that may lead you to believe that you are inputting your card number, phone number, and login PIN into your BRIDGE Mobile but in fact, you are disclosing your PIN to a hacker, fraudster or other third party hosting a hoax website or skimming application.
  • BRIDGE may but not obligated to continually looks into ways to proactively minimize and protect any unauthorized transactions on your Account by using various approaches from time to time, including contacting you after an unusual transaction or series of transactions to confirm that those transactions are genuinely performed by you.
  • Your access to BRIDGE Mobile Service may be suspended if BRIDGE detects or suspects that there are unusual activities that may result from malware or virus, identity takeover, or phishing. BRIDGE reserves the right to withhold access to BRIDGE Mobile Service while BRIDGE continues to detect malware or viruses.
  • You must notify BRIDGE immediately by calling 098 202 999 or 1800 202 999 upon being aware of either of the following:
• Your login PIN is known, or you feel that other people know it.
• Your mobile device is lost or stolen.
• You suspect or recognize that there is an unauthorized login to access your BRIDGE Mobile
• You notice that while you are logging in BRIDGE Mobile, you are required to enter OTP again or you have received a 6-digit OTP without your awareness. For this case, there shall be another person attempting to login to your BRIDGE Mobile by using your login credentials.
• You notice that an unknown device model has been used to log in to your BRIDGE Mobile App when you reviewed the device model in your BRIDGE Mobile App’s manage device function.
  • Regularly review the login devices model in your BRIDGE Mobile App (Go to Security à Devices function) and remove an unknown device immediately if it is found. Then notify BRIDGE immediately by calling 098 202 999 or 1800 202 999.
  • You must delete BRIDGE Mobile from your device or completely logout your BRIDGE Mobile’s saved login privilege or delete the biometric identifier (Fingerprint and/or Face ID) registered in your mobile phone before selling it over to the buyer or giving to another person when you are no longer own it.

10. Security and Login Credentials
    • To use BRIDGE Mobile App, you are required to use and set up your Login Credentials that consist of valid registered phone number, and 6 digits login PIN during first time registration which they are kept for future login to your BRIDGE Mobile.
    • During the first registration and activation of BRIDGE Mobile, you will be validated with 6-digit confirmation code called “OTP” and you must set up a secured and memorable 6 digits numeric login PIN that will be used for subsequent sign in to your BRIDGE Mobile.
    • You shall not set up your 6 digits login PIN by choosing any easily guest number or your personal information including any of the following:

• Date of birth
• Same number (e.g. 888888)
• Sequential numbers (e.g., 123456)
• Partial or full of your phone number
• Other easily accessible personal data (e.g., driving license ID, national ID, passport number, employment ID number, or any other number which is easily guessed by other people).
  • You should consider having your BRIDGE Mobile Banking login PIN that is different from your Card’s PIN. We strongly recommend you use a different 6 digits login PIN of your BRIDGE card for set up as your BRIDGE Mobile’s login PIN and change your secured 6 digits login PIN on a regular basis.
  • Biometric Authentication: your smartphone/device with biometric (Fingerprint and/or Face ID) compatibility may allow you to enable and use it for authentication when you login to and/or authorize transactions, subject to the maximum limit set by the Bank, in your BRIDGE Mobile. BRIDGE Mobile neither store nor collect this Biometric ID, it is solely stored in your mobile device only.
  • Enable Biometric Authentication: if you enable or use a Biometric Identifier to access your BRIDGE Mobile, you must ensure that the devices that you use to access BRIDGE Mobile App does not store or set on other people’s biometric identifier (Fingerprint and/or Face ID) besides yours; otherwise, you are in breach to the Terms and Conditions. By doing so, you acknowledge that there is a risk to you that they may be able to login to your BRIDGE Mobile to view or conduct certain financial transactions, and these transactions will be treated as having been authorized by you with your consent. Any financial loss arising from these activities, you will be solely liable. By enabling Biometric to access your BRIDGE Mobile App, you will be given options for authentication by using a biometric identifier (Fingerprint and/or Face ID) to be our confirmation to authorize any financial transactions too.

11. User Acknowledgement
    • You acknowledge, agree, and understand that using BRIDGE Mobile is intercorrelated with all your BRIDGE Bank accounts that you have with the bank and all the terms and conditions set out herein but have not been specified in your BRIDGE Bank Account’s Terms and Conditions are applied to you too.
    • You acknowledge that BRIDGE Mobile and other BRIDGE Digital Banking services are developed and operated for the purpose of providing customers with seamless and frictionless banking experiences through an electronic mode and you agree as well as understand that the bank or the bank’s system might experience some technical error under certain circumstances or the other human error made by the other customers or BRIDGE bank staff which potentially cause your BRIDGE Bank Account to be credited/received a certain amount of fund. In this case, the bank reserves the full right to block and raise a debit adjustment to collect back. In a case, the amount has been withdrawn by you and/or other people using your Security Credentials, or any other methods performed under your authorization, you agree that you are liable to pay back to the Bank unless otherwise, you are able to reasonably prove that you are legally the fund’s beneficiary.
    • Whenever you initiate certain transactions including but not limited to fund transfer and payment, substitute information relevant to the transaction and beneficiary of the fund will be displayed for your verification and help you to identify the accuracy of the transaction purpose including account number, beneficiary name, payee’s name and customer number/invoice number, and other relevant information of the transaction that you perform. You agree not to share or disclose the information, especially beneficiary information either in full or partial to any third parties. In the event that you share or disclose information in full or in partial, you agree that you will be solely liable for any damage or loss which is suffered by us including consequential loss and regulatory fines which resulted from your sharing or disclosing information either directly or indirectly.
    • By opening any Account with BRIDGE, you agree that we are entitled to disclose your Account’s name and your name to other people that attempt to initiate a fund transfer to your Account number. Either they use their BRIDGE Mobile App or any application that is integrated as BRIDGE’s partner to transfer funds to your Account. In addition, you allow BRIDGE to have your Account number and name displayed on the BRIDGE terminal and BRIDGE partner’s terminal screen when you perform transactions via BRIDGE’s own channels and BRIDGE partner’s network.
    • You agree that BRIDGE can share and disclose your name and transactions detail to our partner including but not limited to merchants and the other BRIDGE partners in order to notify and assist them to identify the transaction as their references when you perform any payment and/or purchase transaction by using BRIDGE Mobile App.
    • Bank correction and miscellaneous adjustment: you agree that BRIDGE, with sufficient evidence, reserves the right to cancel or suspend your Account and/or transaction during its financial accounting reconciliation at any time without providing prior notice to you. BRIDGE reserves the right to perform miscellaneous adjustments, either debit or credit adjustments to correct accounting transactions record and financial reports. Under circumstances and accuracy, BRIDGE might not be able to cancel or adjust immediately as per your request because we need to perform all necessary and reasonable investigations of the causes.
    • You acknowledge, agree, and understand that the exchange rate and calculation presented in BRIDGE Mobile App when you perform the transaction and/or calculate through the “Exchange Rate Calculation” function on BRIDGE Mobile App shall serve as reference to the estimated figure only. You acknowledge that the exchange rate may not be presented in real-time, and the exchange rate applied to your transaction is the actual exchange rate and it may be different from the exchange rate presented in BRIDGE Mobile App or our website for some reasons arising from late and/or missed an update including but not limited to cause by human error, etc.
    • You understand that the balance recorded in your Account will be the current balance as of the time you make the inquiry. However, there may be circumstances, for example, systems failures and technical difficulties, which may show the discrepancy to your Account Balance information delay in real-time report.

12. Notification and Alert
    • By registering the BRIDGE Mobile Service or Installing it on your phone or devices, you acknowledge and agree that BRIDGE may send or may be requested to send an SMS to your mobile device or push a notification to your BRIDGE Mobile App installed in your mobile phone/device including but not limited to financial transaction alert, security tips alert, marketing and promotional alert and another administration alert in which relevant to your and BRIDGE.
    • BRIDGE is not liable for any loss or damage arising from or suffering to you because of any other person seeing, viewing, or accessing the message’s content in full or in partial. All of these, you understand and accept that it is within your control and management relating to the management of your phone or devices.
    • You might incur a charge from your mobile operator because of receiving a message or push notification to your mobile devices and all the charges are your responsibility.

13. Default Account
    • Default account is developed as part of the BRIDGE Digital Banking Services and behave according to its technology behavior and logic.
    • You acknowledge, agree, and understand that BRIDGE Mobile App and other BRIDGE Digital Banking Services shall apply a Default Account in an application or during you performing transactions for the reason of making your digital banking experience fast and convenient. However, you are allowed to change your default account through your BRIDGE Mobile app from one account number to another anytime and in according with the behavior of logic built within the bank’s Digital Banking Services.
    • You acknowledge, agree, and understand that the Default Account might be applicable within your BRIDGE Mobile App that is installed within your recent mobile phone/devices and for some circumstances which cause you to see your Default Account number is different when you change the device, and it is because of automatically reset to Default Account rule set by the bank.

14. Transparency and Restriction of Acts
    • You acknowledge, agree, and understand that BRIDGE Mobile and other BRIDGE Digital Banking Services offered by the bank serve you for the purpose of allowing you to manage and use your Account freely and make you convenient for your banking transaction experiences. Therefore, you agree not to take any advantage of this offering at any time during the use of the services regardless of any forms of conducting your banking transaction or all other unreasonable acts.
    • You agree that BRIDGE reserves full right to block and debit back all financial loss incurred to or suffered by the bank arising from all your activities if, in the sole opinion of BRIDGE deems that such acts are fraudulent and/or indicate the intention of taking advantage to gain the financial interest from BRIDGE including but not limited to committing multiple financial transactions or testing with a small amount for gaining as financial income or its equivalent on foreign exchange rate fluctuation, or loyalty point, etc. For example, the customer performing multiple cross-currency fund transfers with a minimal transferred amount more than 5 times and financial loss has incurred to the bank from that act.

15. Anti-Money Laundering/Combating of Financing of Terrorism/Sanctions
    • You agree that BRIDGE may delay, block, or refuse to process any transaction with prompt advice of its refusal to you without incurring any liability if BRIDGE suspects and/or find that:

• The transaction may breach any laws in Cambodia or any other countries that are involved in regulating BRIDGE’s business operations and execution; or
• The transaction may directly or indirectly involve the proceeds of or be applied for the purpose of, unlawful conduct.
• Any instruction from the regulator including but not limited to instruction from the National Bank of Cambodia.
  • You agree to provide all information to BRIDGE that BRIDGE reasonably requires in managing risk or complying with applicable laws and regulations relating to financial crime activities and law.
  • You agree that BRIDGE may disclose any information relating to you, your transactions, and your BRIDGE Accounts in which your funds are deposited in case any law enforcement, regulatory agency, or court if they require us to do so under any such law in Cambodia or elsewhere.
  • You assure to BRIDGE that the acceptance and/or payment of money by BRIDGE in accordance with your instructions will not breach any laws in Cambodia or any other applicable law.

16. User Obligations
    • You must not use BRIDGE Mobile App for other purposes besides legitimate banking transactions both financial and non-financial transactions relating to your Account. You shall perform transactions in accordance with the Terms and Conditions and must not use BRIDGE Mobile for any purpose relating to the businesses prohibited by Cambodian laws.
    • You must not act fraudulently or maliciously in relation to BRIDGE Mobile App or any software including but not limited to copying, modifying, attempting to, or hacking into or inserting any malicious code into BRIDGE Mobile App or software. If you commit such actions, you shall be solely responsible under Cambodian laws.
    • If you use photos to personalize your BRIDGE Mobile profile, you must follow certain conditions as follows:

• The photo’s content must not contain any offensive, related sexual, illegal, or would be considered unacceptable for viewing by other people under 18 years old.
• The photo’s content must not relate to any prohibited copyright or branding that the owner does not allow.
  • Be responsible for and must take all reasonable care to ensure that the information you provide via BRIDGE Mobile App including but not limited to the transaction’s purpose is true, complete, accurate, and latest.

17. Privacy and Confidentiality
    • BRIDGE is collecting your personal information, instructions, and transaction details on your Account (collectively referred to as “Information”) so BRIDGE to provide BRIDGE Mobile Service to you. Without this information, BRIDGE may not be able to provide you with such a service.
    • By registering the use of the BRIDGE Mobile App, you agree that BRIDGE may use and disclose your information to:

• Any person engaged by BRIDGE to carry out or assist its functions and activities.
• Any subsidiary, partners, or payment networks of BRIDGE, and any of BRIDGE’s head office; branches, sub-branches, agents, correspondents, agencies, or representative offices
• BRIDGE’s auditors and professional advisors including its lawyers.
• BRIDGE’s stationery printers who are the vendors of the computer systems used by BRIDGE and to such person(s) installing and maintaining the same and other suppliers of goods or service providers engaged by BRIDGE.
• Any person to whom disclosure is permitted or required by any statutory provision by-laws.
• Any credit bureau of which BRIDGE, or BRIDGE’s head office, or branches, any other member(s) and/or compliance committee of such credit bureau; and/or
• Any governmental agencies and authorities in the Kingdom of Cambodia and/or elsewhere.

18. Block and Unblock BRIDGE Mobile
    • Whenever you want to stop or block access to the BRIDGE Mobile App, you must inform BRIDGE through BRIDGE’s contact center or visit the nearest BRIDGE’s branch office. The access will be blocked and restricted from BRIDGE’s system within one (01) working day after the receipt of the notification from you. And in case you would like to request to unblock the access, you must inform BRIDGE through BRIDGE’s contact center or visit BRIDGE’s nearby branch office.
19. Liability
    • You agree to be liable for all transactions conducted when you utilize BRIDGE Mobile App, except to the extent where there has been fraud or gross negligence by BRIDGE, its employees, or BRIDGE’s partners. When a fraud/suspicious transaction happen, BRIDGE’s Authorization, Risk, and Fraud Management team (our staff) will investigate those transactions to find out the root causes.

20. Indemnity
    • To the extent permitted by law, you agree to indemnify and hold BRIDGE harmless against any losses or damages which BRIDGE may suffer due to any claims, demands or actions of any kinds brought against BRIDGE arising directly or indirectly because you:

• do not follow your obligations under the Terms and Conditions herein; or
• acted negligently or fraudulently in connection with the Terms and Conditions.

21. Inquiry, Errors, Questions, and Complaints
    • Please contact BRIDGE’s contact center 098 202 999 or 1800 202 999 if you need immediate support, inquiry, or has identified that there is a discrepancy or an error has occurred in any transaction, or if you have any questions or complaints.
    • In case you need assistance from the head office or branches, BRIDGE’s business hours is from 8:00 AM to 16:45 PM and 5 (five) days a week, from Monday to Friday which may be revised by BRIDGE from time to time.

22. Amendment and Notice
    • BRIDGE reserves the right to change the Terms and Conditions, and Fees and Charges at any time. In such case, BRIDGE will provide to you through any channel of BRIDGE including but not limited to the displaying on BRIDGE’s website at bridgebank.com.kh, display in BRIDGE’s head office or branches, by advertisement in major daily or national newspapers, BRIDGE Mobile, contacting you via direct communication (By your mobile phone, or SMS notification), or other electronic notices generated within BRIDGE’s system.
    • You agree and accept that BRIDGE may also use the methods outlined above as a means of providing you with other notices.

23. Intellectual Property

All intellectual property used in connection with the provision of BRIDGE Mobile is owned by BRIDGE. Without BRIDGE’s prior written consent, information provided to you as part of BRIDGE Mobile shall be for personal use only and shall not be duplicated, disseminated, or sent to any other person or integrated into any other document.

24. Governing law
    • The Terms and Conditions shall be governed and construed in accordance with the laws of the Kingdom of Cambodia.

25. Dispute resolution and jurisdiction
    • Customer Dispute with BRIDGE: Any dispute or claim arising out of or relating to the Terms and Conditions or use of BRIDGE Mobile Service and your relationship with BRIDGE will be resolved by BRIDGE’s Contact Center in compliance with the Customer Suggestion and Complaint Management Policy or another equivalent bank’s standard operating procedures. If the dispute is not resolved within this period, the dispute shall be referred to the exclusive jurisdiction of Cambodian court.
    • Customer Dispute with Third Party: Please note that BRIDGE shall bear no responsibility for any of your disputes arising with any third parties in connection with the transaction performed via BRIDGE mobile and/or your account.
26. Disclaimer
    • BRIDGE makes no representations, warranties, or conditions of any kind, express or implied, with respect to BRIDGE Mobile Service, including fitness for a particular purpose or any warranty arising by usage of trade, course of dealing, or course of performance. BRIDGE does not represent or warrant that your BRIDGE Mobile App will always be accessible or function.
    • BRIDGE shall have no liability for any incidental, indirect, or consequential damages (including without limitation loss of profit, revenue, or usage), or other damages arising out of or in any way connected with the Terms and Conditions. In no event shall BRIDGE have any liability for unauthorized access to, or alteration, theft, or destruction of BRIDGE Mobile App through accident, misuse or fraudulent means or devices by you or any third party, or as a result of any delay or mistake resulting from any circumstances beyond our control.

27. Customer’s Declaration
    • You declare that all information provided to BRIDGE is correct, true, and the latest. Moreover, you confirm that you have read, understood, and agreed to be bound by the Terms and Conditions governing the use of BRIDGE Mobile Service including the General Terms and Conditions of BRIDGE.
    • You must notify BRIDGE immediately if there is any change in your personal details which you have previously provided to BRIDGE. BRIDGE will not be responsible or liable for any errors or losses suffered by you associated with the changes where BRIDGE has not received prior notice.