IMPORTANT
Please read these Terms and Conditions carefully before applying to open the Mobile Banking Service.
Your use of the Mobile Banking Service shall constitute your acceptance of these Terms and Conditions.
Words and phrases used in these Terms and Conditions are defined in Condition 1 or in the Bank of
China (UK) Limited General Terms and Conditions (Personal Accounts) (the 'General Terms').
These Terms and Conditions apply in addition to our General Terms and form part of our Agreement with
you for the Accounts referred to in the General Terms. If there is any inconsistency between anything in
the General Terms and any of these Terms and Conditions, these Terms and Conditions will apply.
Please note that after initial registration, Bank of China (UK) Limited will never contact you, or ask anyone
to do so on its behalf and ask for your security codes. If you receive any such request from anyone (even
if they are using Bank of China (UK) Limited's name and logo and appear to be genuine) then it is likely to
be fraudulent and you must not supply your security codes to them. Any such requests should be
reported to Bank of China (UK) Limited immediately.
1. DEFINITIONS
1.1 The following words have these meanings in these Terms and Conditions:
BOC (UK) Limited refers to Bank of China (UK) Limited, registered in England Number 6193060,
Registered Office: 1 Lothbury, London, EC2R 7DB and also to our successors and anyone to whom we
transfer our rights and obligations in, respect of an Account.
E-token is the security device that produces a unique pass-code, also known as a one-time or dynamic
password, each time it is used.
Mobile Banking Service ("the Service") means the service, and such other services from time to time,
provided by BOC (UK) Limited to you under these Terms and Conditions by which you may access
information, apply for other services and give us instructions (including payment instructions) through
your mobile telephone with internet access.
WAP Website means Bank of China Limited's website, currently having domain address
http://mbs.boc.cn (as may be amended, updated or replaced from time to time) for accessing the Mobile
Banking Service.
You, Your and Yours are references to the Account holders requesting the Mobile Banking Service.
2. USE OF THE MOBILE BANKING SERVICE
2.1 These Terms and Conditions only set out terms of use of the Service. They do not affect terms and
conditions relating to any other services you may use in connection with an Account.
2.2 To use the Mobile Banking Service, you must directly log on to the WAP Website, which is a website
of Bank of China Limited, who hosts the Mobile Banking Service on behalf of BOC (UK) Limited. The
WAP Website is currently located in Mainland China. You should not log on through e-mail or other
links. The information displayed on the WAP Website may not be applicable to customers of BOC (UK)
Limited. If you have any questions about the Mobile Banking Service or needs clarification of anything
displayed, please call BOC (UK) Limited's Internet Banking customers service hotline on 0800 389 5566
or 020 7282 8926 (lines are open from 9:00am to 5:00pm every business day). Your browser must be
compatible with the Service. The Service is compatible with the latest versions of all major browsers.
2.3 To access the Mobile Banking Service, you must successfully:
- enter your secure username;
- enter your secure password;
- enter the one-time password generated by your E-token; and
- enter the verification code displayed on the screen.
2.4 When using the Mobile Banking Service, you must:
- comply with the terms of use of the WAP Website appearing on the WAP Website; and
- comply with the Mobile Banking Service user guide and any other requirements applicable to the use of the Mobile Banking Service from time to time.
3. SECURITY CODES
3.1 The secure username:
- is a 6-20 digit alpha-numeric code;
- identifies you as the holder of the Account; and
- is set up by you.
3.2 The secure password:
- is an 8-20 digit alpha-numeric code;
- verifies your identity to access the Mobile Banking Service; and
- is set up by you.
3.3 On any day, once your username is entered, if the wrong password is entered 5 times consecutively,
your username will be temporarily blocked and you will not be allowed to attempt a further login until the
next day. If the wrong password is entered 15 times consecutively, your username will be permanently
blocked and you will not be allowed to attempt a further login until you notify BOC (UK) Limited to
reactivate your username by providing proof of your identity.
3.4 The one-time password:
- is a random 6 digit number generated by your E-token, and is displayed on a small screen on the E-token;
- is typically generated every 60 seconds which is the life span of the password; and
- can only be used during the life span. The same one-time password cannot be used more than once.
3.5 Unless otherwise notified by BOC (UK) Limited, the E-token to be used by you for accessing the
Mobile Banking Service shall be the same e-token you use for accessing BOC (UK) Limited's Personal
Internet Banking Service.
3.6 On any day, if the invalid one-time password is entered 10 times consecutively, the E-token will be
automatically locked and you will not be allowed to attempt a further login until you notify BOC (UK)
Limited to unlock your E-token by providing proof of your identity.
4. YOUR SECURITY OBLIGATIONS
4.1 It is important that you comply with your obligations to keep your security details and access to
Personal Internet Banking safe. As explained in condition 17 of the General Terms, you may in certain
circumstances be liable for any losses arising where you fail to do this.
4.2 You are responsible for ensuring that you have:
- adequate protection systems, including anti-virus measures, to protect the security of your username and password and your use of the Mobile Banking Service and to prevent any unauthorised access to your security details.
4.3 You must select a username and password that:
- has no obvious connection to your name, address, birth date or driver's licence number;
- is not an obvious sequence of letters or numbers such as 7654321, abcdefg, or aaaaaaa.
4.4 You must:
- keep your username and password secure and secret at all times;
- take all reasonable steps to ensure that the E-token is kept secure, safe and undamaged, and that information provided to you for your use of the Mobile Banking Service is kept secure and safe.
4.5 You must take all reasonable steps to ensure that your username and password are:
- not stored in any manner which indicates that they are security codes;
- not used after BOC (UK) Limited has notified you that your right to use them or the Mobile Banking Service has been revoked;
- not disclosed, reverse compiled, copied or in any way observed while being used; and
- not accessed by any unauthorised person.
4.6 If you are aware of any breach of your username, password, or E-token, you must notify BOC (UK)
Limited immediately by calling the customers service hotline on 0800 389 5566 or 020 7282 8926 (lines
are open from 9:00am to 5:00pm every business day) and complying with all instructions from BOC (UK)
Limited.
5. SYSTEM FAILURE AND LINKED SITES
5.1 You may experience interruptions and difficulties accessing the WAP Website and its content from
time to time. BOC (UK) Limited does not represent or guarantee that the WAP Website and the content
will be free from errors, viruses or interruptions. It may be affected by outages, faults or delays. These
may be caused by technical difficulties, your or a third party’s software, equipment or systems, traffic,
infrastructure failures or actions taken by any third parties. Subject to the conditions set out in the General
Terms, BOC (UK) Limited may also alter, interrupt or suspend or deny your access to all or part of the
WAP Website or content at any time for any reason BOC (UK) Limited think fit, without any prior notice.
5.2 If the WAP Website or any internet system experiences any breakdown or interruption, corruption of
data or any other form of system failure so that you cannot use the Mobile Banking Service effectively
then, on request from you, BOC (UK) Limited will do all things reasonably practicable to reinstate the
Mobile Banking Service as soon as possible.
5.3 The WAP Website may contain links or references to other websites. BOC (UK) Limited is not
responsible for the availability or content of any linked website and any link or reference is for your
convenience and is not an endorsement by BOC (UK) Limited of the other website, its contents or its
owner or sponsor.
6. LIABILITY OF BOC (UK) LIMITED
6.1 BOC (UK) Limited gives no warranties or guarantees in relation to the rights to access and use the
WAP Website or the Mobile Banking Service. All terms implied by law, except those that cannot be
lawfully excluded, are excluded to the full extent permitted by law.
6.2 Except to the extent set out in the General Terms, BOC (UK) Limited will not be liable to you in
contract or in tort (including negligence) for, or in respect of, any direct, indirect or consequential loss,
damage, liabilities, claims or expenses you suffer arising from or in connection with:
- the WAP Website, its content, BOC (UK) Limited's computer systems, any event referred to in Condition 5.1 or 5.2, if you should have been aware the systems or equipment was unavailable for use or malfunctioning;
- any third party website linked to or referred to on the WAP Website or these Terms and Conditions;
- any loss, error, misdirection, corruption or interception of any information;
- any event beyond BOC (UK) Limited's control including without limitation any error, malfunctioning or failure of any software, equipment or system.
7. TERMINATION
7.1 BOC (UK) Limited may terminate these Terms and Conditions and end your use of the Mobile
Banking Service immediately by notice in writing to you if you have broken these Terms and Conditions in
a serious way, or you have repeatedly broken these Terms and Conditions, or any other "exceptional
circumstances" set out in condition 22.6 of the General Terms apply in relation to you and/or your use of
the Service.
7.2 BOC (UK) Limited may also terminate these Terms and Conditions and withdraw the Service at any
time by two months' notice in writing to you.
7.3 You may terminate these Terms and Conditions by closing the Mobile Banking Service through BOC
(UK) Limited's Personal Internet Banking or at the branch counter. BOC (UK) Limited will cancel your
access to the Mobile Banking Service as soon as reasonably practicable within five (5) Business Days.
8. RECORDS
Using the Mobile Banking Service you will be able to access records of transactions on your Account for a
period of 12 months from the date of the transaction.
“Agree and Accept” button below:
1. I/we confirm that I/we agree to be bound by the above Terms and Conditions for Mobile Banking
Service. I/we acknowledge the Mobile Banking Service is hosted by Bank of China Limited on behalf of
Bank of China (UK) Limited and I/we shall directly log on to the Bank of China Limited site to access the
service.
2. I/we consent to my/our personal data being transferred outside the European Economic Area in
connection with my/our use of the Mobile Banking Service.