Terms and Conditions

Special Conditions of Transaction Service through Permata Tel (hereinafter referred to as "SC of Permata Tel Transaction") constitutes an integral and inseparable part of General Terms and Conditions for Opening an Account or General Terms and Conditions for Opening of Sharia Accounts, including all revisions and/or updates (if any) (hereinafter referred to as "GTCs") binding between PT Bank Permata, Tbk., a banking company that has given permission and supervised by the Financial Services Authority, based in Jakarta (hereinafter referred to as "Bank") as an electronic banking service provider with the account holder and Card Holder issued by the Bank (hereinafter referred to as "Customer").

The Customer agrees and commits to the following terms and conditions:

Capitalized terms and definitions defined in GTC have the same definitions when used in SC of Permata Tel Transaction unless stated otherwise in this SC of Permata Tel Transaction Card:

1. "Permata Tel" is a self-answering service center (Interactive Voice Response or IVR) that can be accessed by the Customer from a fixed line or cell phone for 24 hours through 1500-111 or other telephone numbers determined by the Bank from time to time.
2. "Transaction Services" are types of banking transaction services that can be instructed by the Customer through Permata Tel as further mentioned in Permata Debit Guidebook.
3. "Account Information Service" is an information service regarding Accounts and/or Cards on behalf of the Customer, as stated further in Permata Debit Handbook.
4. "Instruction" is Transaction Service and/or Account Information Service instruction given by the Customer to the Bank through Permata Tel
5. "Security Code" is the Customer's PIN number, Card number, Telephone number, and other confidential data used for verification and authentication purposes by the Bank in carrying out Transaction Services and Account Information Services instructed by the Customer through Permata Tel.
6. “Personal Identification Number (PIN)” is a secret code owned by every cardholder as access to make transactions through Permata ATM, Permata Mini atm, ATM machine, or other bank's EDC and/or to get Account Information Services and/or make Transaction Service through Permata Tel.
7. "Accounts" are all Current Accounts or iB Current Accounts and / or iB Savings Accounts or Savings Accounts on behalf of the Customer at the Bank, which can be accessed through Permata Tel.
8. "Card" is Permata Debit and/or Permata Debit Syariah.
9. "Permata Debit Guidebook" is a book that is officially issued by the Bank, which contains a guide regarding the banking service package of the Card and can be used by the Customer, which is an inseparable part of this SC of Permata Tel Transaction Card.
10. "Communication Equipment" means communication equipment, including telephones, facsimile machines, or other similar equipment that can be used to access Permata Tel.
11. "Telephone Identification Number (TIN)" is a secret code that is owned by the Card Holder as access to be able to make transactions on Banking Services determined by the Bank.

1. Permata Tel Service that can be used by the Customer consists of Transaction Services and Account Information Services.
2. Transaction Services and Account Information Services through Permata Tel can only be used by the Customer if the Customer has made PIN number in accordance with the procedures of making the PIN number as listed on the Permata Debit Guidebook.
3. Specifically for Transaction Services through Permata Tel, in addition to the requirement to have a PIN number as referred to in paragraph 2.2, the Customer is also required to register phone numbers in accordance with the procedures of registering phone numbers as listed on the Permata Debit Guidebook.
4. Customers can make changes and or removal of PIN numbers or telephone numbers in accordance with the procedures for changing and/or removing PIN numbers or telephone numbers that are listed on the Permata Debit Guidebook.

1. The Customer is fully responsible for maintaining the confidentiality of the Security Code and maintaining the security of the Communication Equipment used by the Customer to access Permata Tel services. Bank will not provide compensation and/or liability in any form to the Customer or any party for any losses and claims related to the leaking of the Security Code or any misuse of the Customer's Security Code and/or Communication Equipment by other parties.
2. If the Customer suspects that another party might misuse the Customer's telephone number that has been registered through Permata ATM for the purposes of Information Service and Transaction Service through Permata Tel or misuse the Customer's Security Code, the Customer must notify the Bank as soon as possible so that the Bank can block the Card or the account.
3. In implementing the precautionary principle, the Bank at any time has the right to revoke or deactivate the Security Code with notification to the Customer in accordance with applicable laws and regulations.
4. The Customer acknowledges and approves that if the Bank's system verification and authentication of the Security Code given by the Customer through Permata Tel show that the Instruction originates from the Customer, the Bank will carry out the Instruction without any obligation to check the identity of the Instruction giver. The Customer knows and agrees to be bound and fully responsible for the Instruction.
5. The Customer is willing to be responsible for all risks and losses arising from the implementation of the Instructions, including if an Instruction is carried out by the Bank as a result of the leak and the use of a Security Code or Communication Equipment by another party or misuse of a Security Code or Communication Equipment by another party, as long as it is in accordance with the verification and authentication process and the Bank system shows that the instructions are from the Customer and the Customer does not or has not submitted an official request to the Bank to block the Card and/or the Account.

1. If the Customer uses the Permata Tel service, the Customer is aware of the costs associated with the Transaction Services and / or Account Information Services as stated in the Permata Debit Guidebook along with all future changes that will be notified from time to time by the Bank through https website://www.permatabank.com or other media determined by the Bank.
2. If there are tax fees in implementing the Transaction Services and/or Account Information Services instructed by the Customer, the Customer is hereby willing to pay tax fees in accordance with the applicable statutory provisions.

With prior notification by the Bank to the Customer, in accordance with applicable statutory provisions, the Bank has the right to limit, reduce, change, cancel, and/or stop all or part of the Transaction Services or Account Information Services available at Permata Tel.

1. The Bank will only carry out any Instructions given by the Customer to the Bank through Permata Tel if the Bank has successfully conducted the authentication and verification process of the Security Code entered by the Customer and received a confirmation message approving the process of Transaction Services and Account Information Services from the Customer.
2. The Customer is fully responsible for the data or information being given in the implementation of the Instructions chosen through Permata Tel. The Customer hereby acknowledges and agrees that the Bank will not provide compensation and/or liability in any form to the Customer or any party for losses due to incomplete or incorrect data or information provided by the Customer through Permata Tel caused by any reason.
3. If the Instruction given by the Customer has been carried out by the Bank, the Customer hereby declares and agrees that the Instruction is a valid Instruction and is binding on the Customer. The Bank will not provide compensation and/or liability in any form to the Customer or any party for any losses, demands, and lawsuits due to the implementation of the Instruction by the Bank..
4. The Bank has the right to refuse or not process instructions received if one or more of the following events occur:
   1. The funds available in the Account are insufficient or below the minimum balance set by the Bank, and/or..
   2. The Instruction causes the balance in the Account to be below the minimum balance set by the Bank..
5. The Customer acknowledges and agrees that the Permata Tel Service cannot be used by the Customer if the following conditions occur:
   1. The Customer has closed the Account.
   2. Kb. The Card and/or Account and/or Security Code are blocked.
   3. Specifically for Transaction Services, the Customer has deactivated or deleted the telephone number used for these services.
   4. There are technical problems in the Permata Tel Services network caused by the improvement, change and/or maintenance of the Permata Tel Services network.
   5. The termination of some part or all of the Permata Tel Services in compliance with applicable statutory provisions.

The Customer hereby authorizes the Bank to debit the Account for the purpose of the Transaction Services, including fees, as stated in article 4 of the SC of PermataTel Transaction. The authority granted by the Customer to the Bank cannot be withdrawn, revoked and/or will not expire due to the reasons stated in articles 1813, 1814 and 1816 of the Civil Code or for any reason as long as the Customer still has the obligations to pay to the Bank.

The Customer hereby acknowledges and agrees if based on the Customer's Security Code verification and authentication process conducted by the Bank's system through PermataTel shows that the Instruction originates from the Customer, the Bank does not provide compensation and/or liability in any form to the Customer or any party for any loss or damage due to the following matters:

1. Misuse of the Security Code and/or Communication Equipment by the Customer and misuse of the Security Code and/or Communication Equipment by any party and/or.
2. Customer's Mistake or negligence in following the Transaction Service and/or Account Information Services instructions provided by the Bank at PermataTel and/or
3. Errors or negligence of the Customer in following the technical requirements for implementing the use of PermataTel as stated in the Permata Debit Guidebook and/or.
4. Misuse of Customer Account information, both written and verbal information given by the Bank through PermataTel.

With prior notification from the Bank to the Customer in any form and through any means, in accordance with the applicable statutory provisions, the Customer acknowledges and agrees if the Bank change the contents of this SC of Permata Tel Transaction and therefore the Customer agrees that the changes in the SC of Permata Tel Transaction become an inseparable unit of this SC of Permata Tel Transaction.

By "clicking" the word "agree" on the ATM screen, the Customer has agreed to submit to the PermataTel GTC.