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Remote Banking Agreement - General Conditions

Download the general terms and conditions
  • Article 1: Object
    • The purpose of this agreement is to define the terms and conditions under which, on the one hand, the Bank makes available to the Subscriber the services defined in Article 2 below, and on the other hand, the Subscriber accesses and uses these services. The parties agree that the elements they provide, during a transaction, have evidentiary force. Any use of the service is subject to compliance with these terms and conditions.
  • Article 2: Services
    • Nature of services offered :

      Chaabi Net

      Inquiries
      • - Account balances and transactions
      • - Account statements, completion notices and depreciation schedules
      • - Account overviews
      • - Authorization list
      • - Situation of amortizable and revolving loans with the list of unpaid loans
      • - Data sheet
      • - List of e-payment cards and history of transactions carried out by these cards
      • - Securities portfolio, order booklet, history of securities movements and security prices

      Transactions
      • - Checkbook order
      • - Oppose a card
      • - Cash transfer
      • - Transfer to Banque Populaire or other bank accounts

      Mail
      • - Balance alert, statement alert.
      • - Outstanding loan due date
      • - Transfer order not executed
      • - Outstanding checks
      • - Non-executed direct debit

      Administration
      • - Change password
      • - Add and remove services
      • - Contract editing
      • - Services customization

      Simulations
      • - Loan by due date, capacity and term
      • - Term deposit
      • - Savings products

      Claims
      Frequently Asked Questions
      Useful information
      • - Commission Booklet


      Chaabi Mobile

      Information resulting from a transaction on the bank account
      • - Transaction amount
      • - Bank account balance after day's transactions.

      Information alert
      • - Outstanding credit due date
      • - Transfer order not executed
      • - Outstanding checks
      • - Non-executed direct debit


      Chaabi Phone

      • - Check the balance and the last 5 transactions
      • - Simulations
      • - Contact an advisor
      • - Account information
      • - Support for the initiation and/or handling of banking transactions
  • Article 3: Service Access
    • Access to the services mentioned in Article 2 (except for the telephone advisor contact available 6 days a week from 9 a.m. to 8 p.m.) is possible 24 hours a day, 7 days a week, except in the event of force majeure or an event beyond the Bank's control and subject to any breakdowns and maintenance operations necessary for the proper functioning of the service and equipment. The Subscriber may at any time add to his subscription one or more services from the list of services offered mentioned in Article 2. Activation of the added services is effective within 24 hours. Likewise, the Subscriber may delete one or more services from its subscription, and the deleted services will be deactivated within 24 hours.
      • However, the Bank is not bound by any obligation of result. The Bank shall in no way be held responsible for any failures or delays that may occur during the use of the services.
    • The Bank shall not be held responsible for any interruptions, delays, security incidents or errors occurring during the use of the service.
    • Access to the services offered under this agreement is possible from the date of receipt by the Subscriber of the personal identification elements provided by the Bank.
    • The services "information following a bank account transaction" and " alert information" are provided by the Bank without the client sending a message.
  • Article 4: Identification elements
    • All the elements enabling the Subscriber to identify himself and to log on to the services provided for in Article 2 are personal and confidential.
    • The Subscriber agrees to keep his credentials secret and not to disclose them to third parties under any form whatsoever.
    • The use of the service is for the exclusive use of the Subscriber and/or those offered on a professional or private basis.
    • In the event of a subscription through a collective account, the use of the service may be made by the spouses of the Subscriber or the joint account holders, which the Subscriber declares to be fully aware of and undertakes all responsibility related to such use.
    • In the event of loss or theft of one of the Subscriber's identification elements, the Subscriber must inform the Bank by phone or fax, to be confirmed by a letter with acknowledgement of receipt or against discharge within one day. If this day coincides with a non-business day, the period is then extended until the first business day. After this period, the Bank declines all responsibility in the event of use made without the Subscriber's knowledge.
    • The new identification elements will be sent to the Subscriber by mail or by any other suitable means.
    • It is specified that any use of the Subscriber's identification elements is made under the Subscriber's entire responsibility.
    • Therefore, it is agreed that all transactions initiated through this channel are deemed to emanate from the Subscriber himself. Thus any subsequent dispute will be inadmissible.
  • Article 5: Confidentiality and personal data protection
    • Privacy :
    • The Subscriber is responsible for the confidentiality of the information received, therefore the Bank is exempt from any liability.
    • The Subscriber expressly agrees, throughout the duration of this Agreement, that personal data concerning him may be transmitted to service providers and subcontractors, to organizations responsible for carrying out surveys or polls, and this, solely for the purpose of carrying out surveys, polls or any other service related to the improvement of the services provided by the Bank. Accordingly, the service providers, subcontractors and bodies in charge of such surveys and polls are bound by professional secrecy.
    • The Subscriber expressly agrees that his telephone conversations with an advisor may be recorded according to the nature of the transactions that may be carried out on that occasion.
    • Personal data protection :
    • In application of the provisions of Law No. 09-08 relating to the protection of individuals with regard to the processing of personal data, the subscriber gives consent to the Bank to process the personal data collected.
    • In addition, the subscriber consents to the communication of his personal data to the Central Bank, the Regional People's Banks, the bank's subsidiaries, its subcontractors, other account-keeping institutions for the transfer of funds, intermediaries for the performance of certain banking operations, competent or authorized supervisory authorities, information centres, duly authorized insurance companies and brokers, beneficiaries, guardians and authorized agents,.
    • The personal data collected may be transferred abroad in the course of various transactions. This transfer must be authorized in advance by the CNDP in accordance with Articles 43 and 44 of Law 09-08.
    • The subscriber, proving his identity and in compliance with the law 09-08, has a right of access, to his personal data, a right of correction of these as well as a right of opposition, for legitimate reasons, to the processing of his data. To exercise your rights you can contact the agency managing your account.
    • This process has been authorized by the CNDP under the n°A-GC-220/2014 "
  • Article 6: Duration, cancellation and termination of the agreement
    • This subscription agreement is concluded for an indefinite period of time.
    • The Bank retains the right to interrupt, suspend or discontinue at any time and without prior notice or justification, all or part of the services provided for in Article 2
    • The Bank shall in no way be held responsible for any consequences that may arise for the Subscriber or for the third party. The Bank is in no way responsible for any direct or indirect damage caused to the Subscriber or any third party as a result of the service or its use.
    • The Subscriber may terminate this agreement by simple request to his agency or representative. This agreement may also be automatically terminated in one of the following cases:
    • - Upon closing the account,
    • - When the Subscriber's account remains inactive for more than 6 months,
    • - In the event of the occurrence of new facts of such a nature as to make it impossible to execute this agreement.
  • Article 7: Invoicing
    • Subscription to the services mentioned in this agreement is free of charge. Certain services are subject to invoicing as provided for in the commission booklet available on the Chabbi Net website or at any bank agency.
    • The Bank holds the right to change this invoicing, in particular according to technology, regulatory or financial changes or to improve the quality or security of information. Such changes are deemed to be accepted by the client upon use of the Bank's services.
  • Article 8: Restriction of services access
    • The Bank holds the right to temporarily suspend access to the services subscribed to by the Subscriber without prior notice.
    • In the event of accidental interruption of the service, the Subscriber may contact his agency or representative directly to receive the information provided for in Article 2.
  • Article 9: Service use
    • With regard to Article 491 of Law No. 15-95 of the French Commercial Code relating to the sending of statements, the Subscriber expressly agrees to waive receipt of the statement by mail in exchange for the Bank providing a monthly statement that can be consulted on its private Chaabi Net space.
    • The Subscriber undertakes to verify the accuracy of the transactions shown on his or her account statement and to submit any objection or dispute to the Bank within 30 days from the date of issuance of the statement.
    • In the absence of a dispute within 30 days following the issuance of the account statement, the transactions recorded on the account are deemed to be compliant and definitively approved by the Subscriber.
    • In the event that the statements are not available as indicated above, the Subscriber is required to request his or her non-issued account statements within fifteen days following the end of the month of issuance. Failing this, any late complaint due to the failure to issue the statement cannot be invoked against the Bank, which is expressly accepted by the Subscriber.
    • If, following consultation, an error or omission appears to the Subscriber, the Subscriber is required to request confirmation of the information entered from his agency or representative, failing to do so within 30 days from the date of receipt of the message, the Bank shall be exempt from all responsibility.
    • It should be noted that the Subscriber is solely responsible for the use and customization of the services and for the protection of the data and/or software stored on his computer equipment, and therefore the Bank cannot be held responsible in the event of virus contamination.
  • Article 10: Subscription through a collective account
    • The Subscriber declares that he is fully aware that, in the event of subscription through a joint account (joint account between spouses or an undivided account among other undivided parties), the spouse or co-holder of his joint account will have access to his other accounts, in the event of multiple accounts, and assumes all liability thereof, and further declares that he discharges the Bank from any liability in the event of unauthorized use of the service by his spouse and co-holder.
  • Article 11: Adding and removing accounts
    • In case of multiple accounts, the Subscriber may delete one or more accounts in his subscription. For this purpose, the service will only be effective for the remaining account(s). Likewise, the Subscriber may add accounts to its subscription. In this case, in the case of a subscription through a collective account (Joint Account between spouses or an undivided Account among other undivided parties) whereby the co-holder of his collective account will have access to his other added accounts, which the Subscriber declares to be aware of and discharges the Bank from any liability thereof.
  • Article 12: Modification of the general conditions
    • The Bank retains the right to add other services to those mentioned in Article 2 hereof or to develop the services already provided herein, in particular as a result of technology, regulatory or financial developments or to improve the quality or security of information, and by the same token reserves the right to modify these general terms and conditions at any time, informing the client by any means it deems appropriate.
    • Changes in services are deemed to be accepted by the client upon use of the Bank's new services.
  • Article 13: Applicable Law and Dispute Resolution
    • This Agreement operates under Moroccan law.
    • The parties agree that all disputes relating to the fulfilment of this contract shall be subject to the jurisdiction of the courts of the client's domicile or place of residence or the place where the event that caused the damage occurred, according to the client's choice.
  • Article 14: Address choice
    • The parties declare that they elect domicile at the addresses indicated at the beginning of this agreement.