Maybank2u ID is the official digital banking application from PT Bank Maybank Indonesia Tbk (hereinafter referred to as “Maybank”), which has been registered to the Financial Services Authority / Otoritas Jasa Keuangan (OJK) and intended for individual Maybank Customers to perform banking transactions independently. As part of the prerequisites given from OJK in the process of know-your-customer, Maybank2U ID will ask for customer data including but not limited to ID Card Number, Full Name, Place & Date of Birth, Address, NPWP, information about Work and Financial Data, Telephone or Mobile Number, and customer selfie picture. Those data will be sent and stored in Maybank's banking system (https://m2u.maybank.co.id) and Maybank will guarantee the confidentiality of customer data which will be solely used for the purpose of customer banking transactions. Mobile number information is only for sending transaction codes such as SMS TAC/SMS OTP; and Email Address to activate security features and provide notification of transactions that occur in Maybank2u ID.
I. Definition
II. Registration
Customers who intend to become users of the Maybank2u ID facility can download and carry out the registration process through the Maybank2u ID.
III.Terms of Use of Maybank2u ID Facility
A. Use of Maybank2u ID
i | Existing Customer, should perform registration through Maybank2u ID and enter SMS TAC in Maybank2u ID, then Bank system will send an activation email to pre-registered email address in the Bank, accordingly customer is required to perform the Secure2u activation. | |
ii | New Maybank Customer: | |
- | If the registration process is carried out using an email address that is linked to Customer’s device, Secure2u will automatically active. | |
- | If the registration process is carried out using an email address that is not linked to Customer’s device, the customer must register via Maybank2u ID and enter SMS TAC on the Maybank2u ID, Bank will send an activation email to the Customer's pre-registered email, accordingly Customer is required to activate Secure2u. |
i | The Customer must ensure the accuracy and completeness of the transaction order (including ensuring that all data required for the transaction has been filled out completely and correctly). Maybank is not responsible for any impact/consequences that may arise due to negligence, incompleteness, ambiguity, or inaccuracy of orders/data from the Customer. |
ii | The Customer has 1 (one) opportunity to re-check and/or cancel the data that has been filled in when the confirmation screen is displayed which is done automatically by the system. Cancellation can be done by pressing “Cancel” or the “Back” key. |
i | Constitutes a valid instruction and Maybank is under no obligation to examine, investigate or ensure the accuracy or authenticity of the instruction; |
ii | Will be recognized by the Customer and treated as valid evidence even though it is not made in a written document or other document that is signed and; |
iii | Will be kept by Maybank in accordance with Maybank's policy and the Customer acknowledges and agrees that the orders/instructions from the Customer stored by Maybank are correct orders/instructions and constitute valid and binding evidence. |
i | The Customer's funds/balance in the Customer's account at Maybank is insufficient or below the minimum balance set by Maybank. |
ii | The execution of the Customer's orders/instructions by Maybank causes the funds/balance in the Customer's account at Maybank to be below the minimum balance set by Maybank. |
iii | Maybank, in its sole discretion, has reasons to suspect that a fraud or transaction has occurred that violates the applicable legal provisions. |
iv | There are instructions issued by the competent authority that must be obeyed. |
i | Any loss / damage caused by device, software, provider of web browser or mobile phone or by Internet Service Providers ( " ISPs ") or its agents; |
ii | Any disturbance of computer viruses or trojan horses systems or harmful components that may interfere with the service of Maybank2u ID, web browser or computer systems of Maybank , Customers or ISPs; |
iii | Unauthorized use/use of ISPs; |
iv | Use of a VPN for registration and/or transactions; |
v | All purposes of using user ID and password; |
vi | Any errors in the transmission of Customer instructions or other Customer instructions that may be transmitted via Maybank2u ID or transmission of any data or other information by the Bank through Maybank2u ID; |
vii | Any orders/instructions from the Customer that are inaccurate or incomplete submitted through Maybank2u ID; |
viii | Any negligence by the Customer following the latest instructions, procedures and instructions for using the internet that is delivered by Maybank; |
ix | Any delay or refusal to carry out the Customer's orders/instructions is conveyed through Maybank2u ID; |
x | Any direct, indirect or other consequences or losses related to the use of Maybank2u ID; |
xi | Any use of SMS TAC Maybank2u ID, user ID and password Maybank2u ID, Secure2u passcode , including but not limited to theft / duplication / loss / forgery telephone number and / or SIM card belonging to the Customer that is connected with the facility Maybank2u ID as well as the consequences of using Maybank2u ID that is not the Customer himself who does it. |
B. SMS TAC Maybank2u ID and / or Secure2u Passcode
C. Biometric Authentication
D. Blocking and Termination of Facility Access Maybank2u ID :
i | An error occurred in entering the user ID and/or password of Maybank2u ID 3 (three) times in a row. |
ii | There are certain considerations from Maybank and these considerations do not need to be conveyed to the Customer. |
iii | Maybank2u ID is used for transactions prohibited by applicable law. |
iv | There are instructions issued by the competent authority that must be obeyed. |
i | The Customer and/or Maybank closes all Customer accounts that can be accessed by the Maybank2u ID facility. |
ii | The customer violates the terms and conditions of Maybank2u ID or other conditions that will be determined by Maybank from time to time. |
iii | Maybank terminated the Maybank2u ID facility. |
iv | Cellular Operator or Customer terminates Customer's mobile phone number. |
v | Maybank2u ID used for transactions prohibited by applicable law. |
vi | There are instructions issued by the competent authority that must be obeyed. |
IV Others
a | Maybank including its directors/employees or any other party representing Maybank is prohibited from requesting and/or receiving sum amount of money and/or gifts or anything in any form from the Customer. Any action/requesting and/or receiving sum amount of money and/or gifts or something in any form from the Customer other than what is agreed in these Terms and Conditions constitutes a deviation or a violation or fraud towards Maybank regulations. |
b | Customer is prohibited to provide sum amount of money and/or gifts or anything in any form to the directors/employees or any other party representing Maybank. |
c | If the Customer is aware of any indications/incidents of deviation or violations or fraud committed by the directors/employees of Maybank or any other party representing Maybank, or is required to provide something in any form, the Customer is obliged to raise the matter to Maybank Whistleblowing Channel via e-mail at whistleblowing@maybank.co.id or WhatsApp/SMS at 0811 1930 1000 or toll-free telephone at 0800 1503034. |
d | In relation to paragraph C of this article, Maybank protects the confidentiality of all information/data provided by the reporting party, including the identity of the reporting party. |