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.
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.
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.
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 "
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.
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.
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.
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.
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.
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.
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.
Publisher's corporate name: Banque Centrale Populaire. Company status: Public limited company with a Board of Directors and a Capital of 2,022,546,560 DH, governed by Dahir n° 1.00.70 of October 17, 2000 (law n° 12-96). Registered address: Casa 28173. Head Quarters: Banque Centrale Populaire- 101, boulevard Mohamed Zerktouni - BP 10.622 - 20100- Casablanca. Legal Representative: Mr. Mohamed Karim MOUNIR, Chairman and CEO of the Banque Centrale Populaire and Chairman of the Management Committee of Crédit Populaire du Maroc (CPM).
B. Professional rules
The Banque Centrale Populaire is a credit institution under Moroccan law governed by Dahir No. 1.00.70 of October 17, 2000 (Law No. 12-96) and approved by decision of the Governor of Bank Al-Maghrib No. 28 of 17 Kaada 1431 (October 25, 2010), whose headquarter is located at 101, Bd Mohamed Zerktouni, Casablanca, registered in the Casablanca Trade Register under number 28173.
The platform https://bpnet.gbp.ma/ - (CHAABI NET) - is a transactional service of remote banking that enables the individual, professional or corporate subscriber to access their accounts and perform a range of banking transactions independently, confidentially and securely, whether in Morocco or abroad.
A cookie is a piece of information deposited on your hard drive (Computer, Smartphone, Tablet...), as files, by the server of the website you are browsing.
It contains several data:
- the name of the server that deposited it; - a unique identification number; - possibly an expiration date...
Under no circumstances will cookies from the site https://bpnet.gbp.ma/will not be used to collect personal data without your explicit consent. This information will not be transmitted beyond the Banque Populaire Group and its partners. Nor will it be used in the context of unsolicited communication campaigns. In accordance with the regulations, we must inform you that you may oppose the storage of these cookies by configuring your device depending on the versions of the web browsers you use. To do so, please refer to the help sections of your browsers.
D. General conditions
Clients can access the information made available to them via the website https://bpnet.gbp.ma/whose navigation is subject to the applicable rules and regulations and to the present conditions of access and use.
Clients agree to the following rules:
1. Terms of access and use:
Non-subscribing Clients can launch their application online through the CHAABI NET website, safely and without the need to go to a agency. Applications will be validated at the agency holding the account.
Membership is initiated at a Banque Populaire ATM and completed on the Chaabi Net website under the "Subscribe " section.
Subscription requires: A valid credit card, a valid e-mail address and a valid mobile phone No.
The subscription will be approved by the agency only after receipt of the contract signed and scanned by the client. No presence in the agency is required.
The subscription application includes Chaabi Net and Chaabi Mobile.
The subscription will allow Banque Populaire Clients to access the Chaabi Net and Pocket Bank services free of charge.
You will have access to a wide range of useful information 24 / 7 with a simple click".
The CHAABI NET platform enables you to consult and carry out certain tasks related to the client's account, namely:
- Viewing the savings and checking account summary 24 / 7; - Viewing the record of transactions for the last 3 months; - Edition of the Banking Identity Statement (RIB); - Access to 10 years of bank document archives (account statements, transaction notices, amortization schedules, etc.); - Viewing the history of transactions carried out by electronic payment cards during of the last six months; - Follow-up of loans and the list of unpaid bills; - Viewing the securities portfolio, the order book and the history of securities movements; - Edition of support contracts and follow-up of repayment files; - Loans simulations; - Value and currency rates; - Commission book.
The client can also launch the following operations through the CHAABI NET platform:
- Provision of cash to the entire Banque Populaire network; - Account to account transfer; - Bill and internet purchase payments; - Purchase code request on the internet; - Ordering means of payment ; - Oppose payment cards; - Beneficiary management; - Customization of Chaabi Net services; - Setting alerts, mail and SMS; - Management of bank documents' mailing.
The client receives automatically on his e-mail address and at his request, the following information:
- The statement and the balance of his accounts; - The unpaid loan deadlines; - The transfers authorized but not executed; - Unpaid checks; - Unpaid direct debits.
Banque Populaire declines all responsibility for the website's content and any use that may be made of it by the client.
Any client seeking to purchase a product or service described in the website must contact his Banque Populaire agency to inquire about its availability, contractual conditions and applicable fares.
Any website's visitor is deemed to accept the application of Moroccan laws and the attribution of jurisdiction to the Moroccan courts.
We cannot guarantee the confidentiality of messages that you may send to us and which transit through an open telecommunications network. For all confidential messages, please directly address your Banque Populaire agency. Under no circumstances can Banque Populaire accept to receive, via messages, instructions to carry out a banking or financial transactions that recquire a written and signed authorization from the client, except for the transactions mentioned above for which the client has already subscribed.
Website users acknowledge that they have the skills and means necessary to access and use this website.
3. Personal data protection
In compliance with the provisions of Law No. 09-08 on the protection of individuals with regard to the processing of personal data, the Client gives consent to the Bank to process the personal data collected with reference to the decision of the National Commission for the Control of Personal Data Protection (CNDP) on the keeping of client accounts and the management of related transactions.
Furthermore, the client consents to the communication of his/her personal data to the Central Bank, the regional Banques Populaires, the bank's subsidiaries, its subcontractors, other account-keeping institutions for fund transfers, intermediaries for the execution of certain banking transactions, competent or authorized supervisory authorities, information centres, duly authorized insurance companies and brokers, authorized beneficiaries, guardians and authorized agents.
The personal data collected may be transferred abroad in the course of various operations. This transfer must be authorized in advance by the CNDP in accordance with Articles 43 and 44 of Law 09-08.
The client, proving his identity and in accordance with Law 09-08, has a right of access his personal data, a right to rectify them and a right to oppose, for legitimate reasons, the processing of his data. To exercise your rights you can contact the agency managing your account.
This processing has been authorized by the CNDP under No. A-GC-220/2014.
4. Intellectual Property:
"The presentation and content of this website, of which Banque Populaire is the owner, are protected by applicable intellectual property laws. No reproduction and/or representation, partial or complete, may be made without the prior written consent of the Banque Centrale Populaire. The name Banque Centrale Populaire, its logo, the name of the products in its range and the slogans are, unless otherwise indicated, registered trademarks of Banque Centrale Populaire. The drawings, photographs, images, texts, animated sequences with or without sound, and other documentation represented in this website are subject to industrial and/or intellectual property rights and are, depending on the case, the property of Banque Populaire or of third parties who have authorized Banque Populaire to use them. As such, any reproduction, representation, adaptation, translation and/or transformation, in whole or in part, or transfer to another website is prohibited. The reproduction of any documents published on the website is only authorized for the exclusive purpose of information for personal and private use, provided that the copyright or other mentions relating to intellectual or industrial property rights are not removed. This private use does not grant any right whatsoever on these documents. Their partial or complete reproduction, without the prior written consent of Banque Populaire, is strictly prohibited. Furthermore, any reproduction, transmission, use of the Banque Populaire website for public or commercial purposes, or any creation of links related to it, without the prior written consent of Banque Populaire is strictly prohibited.
5. Hypertext Links:
"Banque Populaire" declines all responsibility for the use and content of links external to its own website; logging in to another website by means of a hypertext link is the personal choice of the user, and is operated under the latter's sole responsibility. The user must take all precautions to ensure that the website accessed through the hyperlink does not contain any viruses. In general, Banque Populaire cannot be held responsible for any direct or indirect damage suffered by the user as a result of the use of this website.
The content of messages or documents transmitted to Banque Populaire via e-mail or any other medium through the website, including data, questions, comments, suggestions or any other communication of this kind, will be treated as non-confidential and non-proprietary content and therefore deemed freely usable by Banque Populaire, its Regional Banques Populaires and its subsidiaries or affiliates, including, without limitation, for the purposes of reproduction, communication, transmission, publication, distribution and mailing. Furthermore, Banque Populaire is free to reuse, for development, production, marketing or other purposes, any ideas, concepts, know-how or techniques contained in messages, regardless of the subject matter, that you may have sent through the website.
7. No warranties:
Banque Populaire makes no warranties, neither explicit nor implicit (including, but not limited to, implied warranties of ownership or non-infringement, merchantability or fitness for a particular purpose) for the accessibility, accuracy, reliability, updating or content of these pages. In no event shall Banque Populaire be held responsible for any damages whatsoever, including, but not limited to, direct, indirect, incidental or consequential damages, loss of profits or business interruption, resulting from decisions made on the basis of the content of these pages, or from the use or inability to use this service, even if Banque Populaire has been notified of the possibility of such damages. Banque Populaire cannot, under any circumstances, be held responsible for decisions taken in the light of the content of these pages.
Access to the website https://bpnet.gbp.ma/ is reserved for Clients with a subscription to this service in compliance with current pricing, excluding Internet service providers and the costs of phone calls that are billed directly by the operators.
The services offered by https://bpnet.gbp.ma/ are subject to fees and commissions. The client has a Repertoire on the website enabling him to find out about the said fees and commissions.
9. Legal and applicable law:
The Commercial Court of Casablanca represents the only legal entity which, by applying Moroccan law, can rule on any dispute concerning the interpretation or execution of the legal notices and general conditions of use as presented on the website. https://bpnet.gbp.ma/.
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