Internet Banking Terms and Conditions

The following user guide gives you an overview of the Internet Banking service.

IMPORTANT: Please note carefully your security duties. See Clause 2 below. If you breach any of your security duties you may be liable for transactions even if you did not authorise them. See Clause 4 below. By accepting our terms and conditions you are requesting us to add all your accounts, including joint accounts, to the Internet Banking Service. See Clause 6.2 below. 

The Registered office of Sierra Leone Commercial Bank Ltd is situated at 29/31 Siaka Stevens Street, Freetown, Sierra Leone.

 
Should you wish to contact Sierra Leone Commercial Bank Ltd please check on our site:

www.slcb.biz 

Once you have accepted these Terms (which are currently only available in English) and we have acknowledged your acceptance you will be able to access the Internet Banking Service. You will be able to view the most current version of these Terms at any time whilst using the Internet Banking Service.

1.                   ABOUT THIS CONTRACT                                                                      Back to Top

1.1                           The terms ‘you’, ‘your’ and ‘yours’ refers to the person requesting the Internet Banking Service.

1.2                          The terms ‘we’, ‘us’ and ‘our’ refer to Sierra Leone Commercial Bank Ltd.

1.3                          The ‘Internet Banking Service’ is the service provided by us to you which is described in the Terms by which you may access information and give us Instructions in respect of certain of your accounts with us. We may make additional functions available to you such as e-messaging or the ability to apply for new accounts

1.4                          The ‘Terms’ means these terms and conditions and any supplementary terms and conditions which we notify you of under Clause 9 below as amended from time to time.

1.5                          The ‘User Guide’ means the guidance and information set out on screen in the 'User Guide’ of the Internet Banking Service, as amended from time to time.

1.6                          The ‘Contract’ means the contract entered into between you and us when you accept the Terms.

1.7                          An ‘Instruction’ is any request or instruction to us, which is effected through the Internet Banking Service by use of a secret password and user ID.

1.8                          The ‘Internet Banking ID’ is the unique identifier, which is usually your email address.

1.9                          The ‘Password’ is the secret code adopted by you for accessing the Internet Banking Service.

1.10           The Terms may be accepted on line by following the instructions set out on the    relevant screen page. In addition you agree that any use by you of the Internet Banking Service shall constitute your acceptance of the Terms. We recommend that you store or print of a copy of the Terms for your records.

2.                   YOUR SECURITY DUTIES                                                              Back to Top

2.1                           You agree to comply with the Terms and any security procedures mentioned in them.

2.2                          You must keep your Password secure and secret at all times and take steps to prevent unauthorised use of it and your Internet Banking ID. For example:

2.2.1                      Never write or otherwise record the Password in a way that can be understood by someone else;

2.2.2                    Never tell the Password to someone else including our staff, unless you are resetting your security number;

2.2.3                    Destroy any advice from us concerning your Password promptly after receipt;

2.2.4                    Avoid Passwords which may be easy to guess such as birthdays, telephone numbers, dates of birth etc;

2.2.5                    Never record your Password on any software which retains it automatically (for example, any computer screen prompts or 'save password' feature or any similar function on your internet browser);

2.2.6                    Once you have logged on to the Internet Banking Service, you must not leave the terminal or other device from which you have accessed the Internet Banking Service at any time or let anyone else use it until you have logged off the Internet Banking Service. You will be responsible for ensuring that you have logged off the Internet Banking Service at the end of any session.

2.2.7                    You agree to check carefully your records of transactions and statements of accounts and inform us immediately of any discrepancy.

3.                   PROCESSING YOUR INSTRUCTIONS                                                   Back to Top

3.1                           You request and authorise us to (a) rely and act upon all apparently valid Instructions as instructions properly authorised by you, even if they may conflict with any other mandate given at any time concerning your accounts or affairs and (b) debit your accounts with any amounts we have paid or incurred in accordance with any Instructions.

3.2                          An Instruction will only be accepted by us if it has been effected through the Internet Banking Service using an appropriate Password but we will not further check the authenticity of an Instruction

3.3                          You agree that we can act on any Instructions given to us including deducting money from your account even if these Instructions were not authorised by you. However, your liability for transactions or Instructions, which have not been authorised by you, will be limited in the way set out in Clause 5 below.

3.4                          We may refuse to act on an Instruction, for example if a transaction exceeds a particular value or other limit, or if we know of or suspect a breach of security. Please refer to the User Guide for details of the limits imposed upon transactions carried out through the Internet Banking Service.

3.5                          We are not liable for any failure, delay or other shortcoming by any third party with whom you have accounts or otherwise when they are executing our instructions to them howsoever caused

3.6                          We may suspend any service provided to you under the Internet Banking Service without notice where we consider it necessary or advisable to do so, for example to protect you when there is a suspected breach of security or we need to suspend the Internet Banking Service for maintenance or other reasons

3.7                          We will use reasonable efforts to inform you without undue delay through the Internet Banking Service, and/or our web site(s) if any service under the Internet Banking Service is not available.

3.8                          We will make reasonable efforts to modify, not process or delay processing any Instruction where you request us to do so but we shall not be liable for any failure to comply with such a request unless it is due to our failure to make reasonable efforts to do so.

3.9                          You must make sure that any Instruction is accurate and complete and we are not liable if this is not the case.

3.10                      A transaction being carried out is not always simultaneous with an Instruction being given. Some matters may take time to process and certain Instructions may only be processed during normal banking hours even although the Internet Banking Service may be accessible outside such hours.

3.11                      You authorise us to add all accounts (including joint accounts) that you hold with us now or in the future, which are available on the Internet Banking Service, to the Internet Banking Service.

4.                   YOUR LIABILITY FOR UNAUTHORISED TRANSACTIONS                     Back to Top

4.1                           We will refund you the amount of any transaction carried out in accordance with any Instruction where your User ID and Password have been used without your authority, other than in the circumstances set out in Clause 4.2 below. Where we are liable

4.2                          for any unauthorised transaction, we will credit your account with any money lost up to the amount of the transaction, and any related interest and charges. We will have no further liability to you

4.3                          You will be responsible for all losses (including the amount of any transaction carried out without your authority) if you have acted with gross negligence so as to facilitate that unauthorised transaction, or you have acted fraudulently. For the purposes of this Clause 4 gross negligence shall be deemed to include failure to observe any of your security duties referred to in these Terms.

4.4                          Once you have notified us of any unauthorised access to the Internet Banking Service or unauthorised Instruction or that you suspect that someone else knows your Password, you will not be responsible for any unauthorised Instructions carried out after we have had reasonable time to suspend the Internet Banking Service in respect of your account(s) unless we can show you have acted fraudulently.

5.                   OUR LIABILITY TO YOU                                                                                   Back to Top

5.1                           We will take reasonable care to ensure that any information provided to you by the Internet Banking Service is an accurate reflection of the information contained in our computer systems or, where the information is provided by a third party, accurately reflects the information we receive from that third party. Due to the nature of the product and circumstances beyond our control, we do not warrant that the information provided by the Internet Banking Service is accurate or error free. Some of the information available through the Internet Banking Service may be identified on the screens or in the User Guide as subject to a disclaimer or other provisions. If you rely on that information, you do so subject to the disclaimer or those provisions.

5.2                          You agree that unless we have specifically agreed with you otherwise, we shall have no liability whatsoever for (a) any equipment, software or associated user documentation which any party other than us produces at any time for use in connection with the Internet Banking Service or (b) any services through which you access the Internet Banking Service or which you access through the Internet Banking Service which are not controlled by us.

5.3                          We shall not be liable to you for any loss you suffer due to any event or circumstances beyond our reasonable control which leads to the Internet Banking Service being wholly or partly unavailable such as, but not limited to, technical breakdown, strikes or other industrial action (whether or not involving our employees) or communications or power failure. You may be able to reduce your loss by telephoning us instead.

5.4                          Due to the nature of the Internet Banking Service, we will not be responsible for any loss of or damage to your data, software, computer, telecommunications or other equipment caused by you using the Internet Banking Service unless such loss or damage is directly and solely caused by our negligence or deliberate default.

6.5              If we do not deliver the standard of service you expect, or if you think we have made a mistake please let us know and we will try to resolve matters. However, if you remain dissatisfied and would like further information on our process for resolving complaints please email us on slcb@slcb,biz or slcb@sierratel.sl or call us on 232-22-225264/5.

6.                   INTERNET BANKING RECORDS AND TRANSACTION TERMS                           Back to Top

     6.1                           Our records, unless shown to be wrong, will be evidence of your dealings with us in connection with the Internet  
                       Banking Services.

6.2                          You agree not to object to the admission of our records as evidence in any legal proceedings because such records are not originals, are not in writing or are documents produced by a computer.

6.3                          Where you give us an instruction or request a transaction through the Internet Banking Service the Terms will apply in addition to the existing terms in respect of your dealings with us either in respect of particular accounts or products or generally. In the event of any inconsistency the Terms will apply.

7.                   COPYRIGHTS, TRADEMARKS AND COPYING MATERIALS                               Back to Top

      7.1                           Please note that Sierra Leone Commercial Bank and our Lion logo are registered trademarks.

7.2                           We have a license for or own all copyrights for our Internet website(s) through which you access the Internet Banking Service and all trademarks and other materials used on it.

8.                   FEES, SUPPLEMENTARY TERMS, CHANGES TO AND TERMINATION OF      THE CONTRACT AND SITE

8.1                           You are liable for any telephone charges and any charges made by your Internet Service Provider as a result of the use by you of the Internet Banking Service.

8.2                           Currently, we do not make any specific charges for using our Internet Banking Service, although we reserve the right to do so in the future. However, before any such charges are made we will give you 30 days notice personally by post, e-mail or other means before we make the change and without giving us any notice, you may, at any time up to 60 days from the date we tell you of the change, terminate this Contract. If you choose to continue using the Internet Banking Service after the charges take effect you authorise us to debit any of your accounts with such charges

8.3                           The site(s) or screens through which you access the Internet Banking Service are subject to change by us. Unless we have specifically agreed to give prior notice to you we may make such changes (including changes to layout) without notification to you.

8.4                           We may modify these Terms and Conditions from time to time. If we make a change to your advantage we may make the change immediately and tell you about it within 30 days. If the change is neither to your advantage nor disadvantage we will give you 30 days notice before making the change. If the change is to your disadvantage we will give you 30 days notice personally by post, e-mail or other means before we make the change and without giving us any notice you may, at any time up to 60 days from the date we tell you of the change, terminate this Contract. You will not have to pay any additional charges during this period

8.5                           You may terminate this Contract at any time of entering into the Contract if you change your mind. This will not affect any rights or liabilities accruing to either party before this Contract is terminated. Unless there are exceptional circumstances, for example you are in material breach of the Terms, we will give you at least 30 days notice prior to terminating this contract                                                            Back to Top

 9.                   ON-LINE APPLICATIONS                                                                                                     

9.1                           You agree to collect your checkbook at the counter within one week after

e-application has been submitted.

9.2                           You agree to collect your statement at the counter within one week after

e-application has been submitted.

9.3                           You agree that you accept interest rates and discounts on Treasury Bearer Bonds and Treasury Bills respectively applied to the investment applied for on your behalf.                                            Back to Top