Terms & Conditions

A software license is an authorization by Phillip Bank Plc allowing only PhillipBank customer to use this product.
1. Introduction

Phillip Bank Mobile Banking App aims to provide you with the highest quality Mobile Banking (the “Service”) available. By enrolling in the Service, you agree to all the terms and conditions contained in this Agreement and Disclosure (the “Agreement”).

We may offer additional Mobile Banking services and features in the future. Any such added Mobile Banking services and features will be governed by this Agreement. From time to time, we may amend these terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by law or central bank of Cambodia.

1.1 Definition

As used in this Agreement and Mobile Banking services, the following words have the meanings given below:

• “Device” means a supportable mobile device including a cellular phone or other mobile device that is web‐ enabled and allows secure SSL traffic which is also capable of receiving text messages.

• “Mobile Banking” means the banking services accessible from the Device you have registered with us for Mobile Banking.

• “You” and “Your(s),” mean each person with authorized access to your Account(s) who applies and uses the Mobile Banking service.

• “We,” “Us,” and “PhillipBank” means Phillip Bank Plc.

2. Mobile Banking Service

2.1 Description of Service

Phillip Bank Mobile Banking is offered as a convenience and supplemental service as the value add‐on to our banking services. It allows Phillip Bank customers to access to their bank account from any smart phone devices. We are using internet and Fast Payment that enables customers to receive funds immediately in response to their liquidity need. This service has been strongly recommended by the National Bank of Cambodia especially for payment in Khmer Riel. With our Mobile Banking services, customer can do within following functions:

1. Balance Inquiry

2. Funds Transfer

3. InterBank Fund Transfer (FastPay Service)

4. Transaction history listing

5. Mobile Topup.

6. ATM and Branch location

7. Products and Promotions

8. Interest Rate enquire

9. Exchange Rate enquire

We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We may also reserve the right to modify the scope of the Service at any time.

Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. We cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or “out of range” issues.

2.2 Use of Service

In order to properly use Mobile Banking, you should review and follow the instructions provided on user responsibilities areas in this Agreement. You agree to accept responsibility for learning how to use Mobile Banking in accordance with our instructions and agree that you will contact us directly if you have any problems with Mobile Banking. We may modify the Service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use Mobile Banking as modified. You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses caused by your failure to properly use the data connection or your Device.

3 User Responsibilities

You represent and agree to the following by enrolling for Mobile Banking or by using the Service:

3.1 Account Ownership/Accurate Information

You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking.

3.2 Joint Account

By applying for or using our Mobile Banking Service, each joint account holder is deemed to have consented to our disclosure of their Information to any other joint account holder(s).

3.3 User Security Tips

      1. Keep Your Phone Locked
Prevent other people from accessing your phone if it ever falls into the wrong hands. Most smartphones can be secured with unlock pin, password or by tracing a specific pattern. Never devices can even be unlocked with your fingerprint. Never unattended and always monitor when somebody using or borrowing your phone. Do not leave your phone unattended and always keep it safe when not in use. Shall be enable time out function in your phone.

      2. Disable Your Device
There are apps that can disable your device and help you locate your phone if it’s ever lost or stolen. Try to get your phone back, but don’t take any unnecessary risks trying to retrieve it. You should also alert your bank immediately to make sure they block unauthorized activity.

      3. Create a Strong Password
Mobile security starts with a good, strong password. Choose something memorable that no one else can figure out. Change your password regularly or change your password immediately, if you suspect any unauthorized access or someone has known your password. Never reveal your password or OTP to another people. And never store your password or answers to security questions on your device. If you use the same password for many logins, take action to reinforce your mobile banking security by selecting a different password for your banking app. Never store your mobile banking password in any objects, in written or electronic form; it should be memorized for convenient use. PhillipBank Mobile Banking has been enable Touch ID login for smart phone which fingerprint identity sensor or face recognition for users to ensure that no one else can access your sensitive information. When you login into your mobile banking application by key in your username and password, make sure nobody looking to your entering. Anyway, the system will be logged out your account if you input three times incorrect password.

      4. Log-Out
Some apps give you the option to stay logged in – make sure the app you use is the exception. Banks will usually log you out automatically after a certain amount of inactivity, but don’t take any chances. Log out fully after you complete your transactions, and make sure you quit the app when you’re finished. Should not always turn on your phone’s wifi when not in use especially in the public place because you may get hack easily by accessing in public network. Please logout and uninstall mobile banking application before you sell or give your phone to other person and register mobile banking application on your new device immediately.

      5. Never Install Application from Unknown Source
PhillipBank never require user to provide sensitive information or required to download or update mobile banking application from other source beside Google Play Store or App Store. Should not root or jail break your phone which is registered mobile banking.

      6. Be Alert
Get in the habit of monitoring your activity. You’ll know immediately if anything looks suspicious. If you suspect an unauthorized transaction, notify your bank right away. Some scammers will try to phish for passwords and pin numbers by generating texts that look like they’re coming from your financial provider. Don’t respond. Your actual bank will never ask you to provide sensitive information over text or email. Never follow any instruction from unknown SMS (Phishing SMS).

3.4 User Conduct

You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would:

1. infringe any third‐party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software;

2. be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Banking to impersonate another person or entity;

3. violate any law, statute, ordinance or regulation;

4. be false, misleading or inaccurate;

5. create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers;

6. be defamatory, trade libelous, unlawfully threatening or unlawfully harassing;

7. potentially be perceived as illegal, offensive or objectionable;

8. interfere with or disrupt computer networks connected to Mobile Banking;

9. Interfere with or disrupt the use of Mobile Banking by any other user; or

10. Use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

3.5 No Commercial Use or Re‐Sale.

You agree that the Service is only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Mobile Banking or resell, lease, rent or distribute access to Mobile Banking.

3.6 Indemnification.

Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless PhillipBank its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; or (c) your use, or use by a third party, of Mobile Banking.