19. Partner is a party that has a cooperation agreement with the Bank regarding the connection between the Customer's account and the Partner's Application.

20. Partner Application is a web portal and/or application owned and managed by the Partner, which can be used by Customers who have registered as users on the Partner Application to link the Customer's account with the Partner's Application.

21. Account Binding is a service provided to Customers who use M2U ID App to be able to link their account with the Partner Application for banking transaction purposes (in this case, the Customer's account information and payments from the Customer's account to the Partner).

III. Terms of Use of M2U ID Web/M2U ID App

1. Customers who have activated the Secure2u passcode through M2U ID App can link their account to the Partner Application.
2. The type of account used as the Customer's source of funds for the Account Binding service is a savings account in Rupiah currency, not a deposit account and/or Customer’s Fund Account (RDN), and other types of accounts are subject to the account types permitted as a source of funds on M2U ID Web/M2U ID App.
3. Customers can only link one (1) savings account as the source of funds for the Account Binding service to one (1) Partner Application. If the Customer intends to change the registered account number for the Account Binding service, the Customer must first disconnect the old account from the Partner Application, and then link the new account.
4. If the Customer agrees to link their account to the Partner Application:
   1. Nasabah menyatakan setuju bahwa Mitra akan mendapatkan akses informasi/keterangan/data rekening Nasabah termasuk namun tidak terbatas pada data mutasi, informasi bunga, transaksi debit/kredit dan jumlah saldo (“Informasi Rekening”). Terkait hal ini, Nasabah memahami bahwa Mitra dapat melihat dan mengetahui Informasi Rekening. Nasabah memahami risiko dan konsekuensi terkait dapat dilihatnya atau diketahuinya Informasi Rekening oleh Mitra. Nasabah bertanggung jawab atas risiko ini dan risiko adanya penyalahgunaan atas Informasi Rekening oleh Mitra.
   2. Nasabah memberikan hak, wewenang dan kuasa penuh kepada Mitra untuk melakukan pendebetan pada rekening Nasabah yang terhubung dengan Aplikasi Mitra berdasarkan instruksi Nasabah yang diteruskan ke Bank melalui Mitra. Terkait hal ini, Nasabah memahami bahwa sampai dengan batas akumulasi nominal transaksi harian yang ditentukan oleh Bank dari Rekening (-Rekening) Nasabah yang ditautkan pada Aplikasi Mitra, Mitra dengan kuasa dari Nasabah dapat melakukan pendebetan rekening Nasabah yang terhubung dengan Aplikasi Mitra. Nasabah memahami risiko dan konsekuensi terkait dihubungkannya rekening Nasabah kepada Mitra seperti namun tidak terbatas pada risiko adanya penyalahgunaan atas rekening Nasabah oleh Mitra.
5. The Customer cannot make transactions that debit the balance from their linked account on the Partner Application if the account is in a dormant, frozen, closed, or other status as determined by Bank. If the Customer encounters this issue, they may visit the nearest Bank branch.
6. For every successful or unsuccessful debit transaction from the Customer’s account, the Bank will notify the Customer via the email registered for the M2U ID Web/M2U ID App service.
7. The Bank, at its discretion, has the right to approve, reject, or delay processing any transaction instructed by the Customer through the Partner Application. Rejection will be notified to the Customer through the Partner Application.
8. If there is a discrepancy in the transaction records of the Customer’s account performed through the Partner Application, the records of Bank will prevail.