**Policy and Terms of Use for Online Banking Services**
### 1. Introduction
In order to enhance transparency and raise user awareness of their responsibilities and rights, this document has been drafted as a complete guide to the terms and conditions of using online banking services. The use of any services from this bank constitutes acceptance of all the rules and regulations set forth in this policy. Users are required to follow these rules, and in case of any violation, the user will bear the consequences.
### 2. Definitions and Concepts
2.1. **Online Banking**: Refers to all financial services provided through the website, application, and other digital platforms, allowing users to perform banking operations such as money transfers, loans, card issuance, and account management.
2.2. **User**: A natural or legal person who, by registering and completing the authentication process, uses the online banking services.
2.3. **Virtual Bank Cards**: Bank cards that are issued digitally and can only be used for online transactions. These cards do not exist physically, and all their operations are performed through banking apps or websites.
### 3. Registration and Authentication (KYC)
3.1. **Registration Process**: To use the online banking services, users must first create an account by entering the website or application. Initial information includes name, surname, national identification number, date of birth, and a valid contact number.
3.2. **Complete Authentication (KYC)**: According to anti-money laundering laws and to ensure the security of financial transactions, users must complete the full authentication (KYC) process. This process involves submitting valid identification documents and proof of residence. The information provided must be accurate and up-to-date. In case of any change in identification details, the user is required to notify the bank.
3.3. **Necessity of KYC for Virtual Cards**: The use of **virtual bank cards** is only possible after completing the full authentication process. Due to the digital nature of these cards and the associated risks, users must provide complete and accurate identification documents to receive final approval for using these services.
3.4. **Verification of Information**: The bank reserves the right to verify the information provided by users through legal channels and internal credit checks. If the information does not match, access to services may be restricted, or the user’s account may be suspended.
### 4. User Responsibilities and Obligations
4.1. **Account Security**: Users are responsible for maintaining and securing their account information, such as passwords and usernames. Any unauthorized use of the account or bank cards must be reported to the bank immediately.
4.2. **Financial Transactions**: All financial transactions conducted by the user must comply with the country’s current laws. The bank will not be held responsible for illegal or unauthorized transactions and reserves the right to freeze accounts associated with such transactions.
4.3. **Use of Virtual Cards**: Users are authorized to use **virtual bank cards** for online purchases and other virtual transactions. These cards cannot be used for physical transactions, such as ATM withdrawals.
4.4. **Abuse of Services**: Any abuse of banking services, such as illegal money transfers, fraud, or using incorrect information, will result in legal proceedings and the user’s account being suspended.
### 5. Privacy and Data Security
5.1. **Data Collection and Usage**: The bank is committed to safeguarding all user personal information in accordance with privacy laws. User data will only be used to improve services, offer personalized recommendations, and increase security.
5.2. **Sharing Information with Third Parties**: User personal information will not be shared with third parties without prior consent, except in cases where it is required by law or requested by judicial authorities.
### 6. Bank Responsibilities
6.1. **Provision of Quality Services**: The bank is committed to providing services continuously and at high quality. In the event of any technical or security issues, the bank is obligated to resolve the problem quickly and notify users.
6.2. **Transaction Errors**: If any transaction is not completed correctly due to system or technical errors, the bank is responsible for following up and correcting the error.
6.3. **Suspension of Services**: In the event of emergency conditions or violation of laws by the user, the bank reserves the right to suspend or limit access to services.
### 7. Fees and Commissions
7.1. **Service Fees**: The bank has the right to charge fees for providing certain services, such as issuing virtual cards or conducting international transactions. These fees are disclosed on the official bank website, and the user is required to be aware of these costs before using the services.
7.2. **Virtual Cards**: The use of virtual bank cards may incur additional costs such as card issuance fees, transaction commissions, or specific limitations. These fees are communicated to the user, and the user is responsible for paying them.
### 8. International Laws and Regulations
8.1. **International Transactions**: Users must comply with both domestic and international financial laws when conducting cross-border transactions. The bank will not be responsible for legal violations in international transactions and reserves the right to suspend the user’s account if suspicious activities are detected.
8.2. **Sanctions and Restrictions**: Users are required to adhere to laws related to international sanctions and economic restrictions. If these laws are violated, the user’s account will be suspended, and legal actions will be taken.
### 9. Changes and Updates
9.1. **Policy Updates**: The bank reserves the right to update or amend the terms and conditions of this policy at any time. Users are required to monitor and review the new changes, and continued use of the services will constitute acceptance of these updates.
9.2. **Notification of Changes**: Any changes to the terms of service will be communicated to users via email or SMS.
### 10. Service Suspension or Termination
10.1. **Service Suspension for Security Reasons**: The bank reserves the right to temporarily or permanently suspend services in the event of security threats or violations of laws by the user.
10.2. **Notification to Users**: In case of service suspension due to technical or security reasons, the bank is obligated to notify users via SMS or email.
### 11. Dispute Resolution
11.1. **Methods of Dispute Resolution**: Any disputes arising from the use of online banking services must be resolved through amicable negotiations, and if necessary, through legal authorities.
11.2. **Jurisdiction**: Local judicial authorities in the country where the bank operates have the authority to resolve disputes arising from the use of online banking services.
### 12. Final Agreement
By using the online banking services, you agree to all the provisions of this policy. In case of any violation of the terms and conditions, the bank reserves the right to suspend your account or pursue legal actions.
**Online Bank** is always committed to providing safe, transparent, and efficient services to its users and expects all users to follow these regulations to help enhance the security and service level of the bank.
