Terms and Conditions M2U ID Web/M2U ID App

M2U ID Web/M2U ID App is an official digital banking application from PT Bank Maybank Indonesia Tbk (hereinafter referred to as Bank) which has been licensed and supervised by the Financial Services Authority (OJK) intended for individual Bank Customers to carry out banking transactions independently. As part of OJK's prerequisites in terms of Customer understanding, M2U ID Web/M2U ID App will ask for Customer data including but not limited to KTP Number (NIK), full name, place & date of birth, address, NPWP, information about employment and financial data, telephone or mobile number and customer selfie. This data will be sent and stored in Bank's banking system (https://m2u.maybank.co.id) and Bank will guarantee the confidentiality of Customer data which will only be used for the purpose of Customer banking transactions. Mobile number information is only for sending transaction codes such as SMS TAC (Transaction Authorization Code)/SMS OTP (One Time Password) and e-mail addresses for activating security features and providing notifications on transactions that occur on M2U ID Web/M2U ID App..

I. Definition

1. Bank is PT Bank Maybank Indonesia Tbk.
2. Face ID is a process of scanning customer's facial biometrics to log in to M2U ID App.
3. Fingerprint ID – Quick Touch is a process of scanning Customer's fingerprint biometrics to log in to M2U ID App.
4. M2U ID Web/M2U ID App is an electronic banking service provided by Bank which can be used or accessed by Customers to obtain information and/or carry out banking transactions via the internet network using an internet browser (M2U ID Web) and/or application (M2U ID App) installed on the cellphone.
5. Customer is the owner of an individual savings and/or current account in the Bank who will/has been registered with Bank as a user of M2U ID Web/M2U ID App.
6. One Time Password, hereinafter referred to as SMS OTP, is a series of numbers or numbers consisting of 4 (four) digits used in M2U ID App as additional authentication when registering, activating/changing/forgetting passcode Secure2U, changing device, and forgetting password.
7. Biometric Authentication is a customer identity verification process that involves scanning or biometric analysis of several body parts such as fingerprint scanning - Quick Touch and Face ID.
8. Cellular Operator is a company providing cellular/cellphone services originating from Indonesia.
9. Passcode is a series of numbers or strings of numbers created by the Customer himself when activating Secure2u and then used by the Customer to carry out transactions on M2U ID App which is confidential and must not be disclosed to other parties.
10. Password is a secret code that is owned and used by the Customer to log in to M2U ID Web/M2U ID App.
11. Device is a cellphone/mobile phone/computer connected to M2U ID App and/or M2U ID Web.
12. Secure2u is a security feature in the form of a Passcode as a form of customer authentication for carrying out transactions via M2U ID App in addition to User ID and Password. Secure2u must be activated at the time of registration or device replacement.
13. Short Message Service, hereinafter referred to as SMS, is a short notification or short message in text form that can be received and/or sent by a mobile phone and the text can be seen or read on the mobile phone screen.
14. Terms and Conditions for Savings Accounts are the terms and conditions related to the ownership and operation of savings accounts that apply at the Bank.
15. Terms and Conditions are the terms and conditions of M2U ID Web/M2U ID App.
16. Transaction Authorization Code, hereinafter referred to as SMS TAC, is a series of numbers or numbers in the form of an OTP (One Time Password) consisting of 8 (eight) digits which is additional authentication for carrying out transactions via M2U ID Web in addition to User ID and Password. SMS TAC is sent by the Bank via SMS to the Customer's mobile phone registered within the Bank.
17. User ID is the identity owned by every customer who uses M2U ID Web/M2U ID App.
18. Virtual Private Network, hereinafter referred to as VPN, is a network service provided by a third party so that internet users (including customers) can access the internet by changing the connection path through a third party server and hiding the exchange and/or data traffic that occurs.

II. Registration

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

A. Use of M2U ID Web/M2U ID App

1. Customers must have a smartphone/smart phone with software/software version at least 11 for iOS users and 6 for Android users to be able to operate M2U ID App
2. Customers are required to register themselves as M2U ID Web/M2U ID App users to create credentials (User ID and Password).
3. Customers can only use one device with active Secure2u to access M2U ID App.
4. When Customer logs in for the first time (first time login) on M2U ID Web/M2U ID App, Customer is required to enter User ID and Password and activate Secure2u (if logging in via M2U ID App).
5. For new device that has never activated Secure2u, Customer will be asked to (i) enter SMS OTP on M2U ID App (ii) create a Secure2u Passcode. Next, Bank system will send an activation e-mail to the Customer's e-mail address registered within the Bank as additional verification for the activation process for using Secure2u.
6. If there is a change in cellphone number and/or e-mail for a Customer who (i) has never registered for M2U ID App (ii) has never activated Secure2U or (iiI) has replaced the Device, then the Customer is obliged to update the cellphone number data and /or the Customer's e-mail address that has been registered in the Bank system via the nearest Bank branch.
7. Customers are required to replace device to be able to access M2U ID App if the device used by the Customer to access M2U ID App has previously been replaced or accessed by an irresponsible party who has the potential to carry out transactions that violate applicable legal provisions.
8. For each transaction via M2U ID Web/M2U ID App, the Customer will be asked to request an SMS TAC (for M2U ID Web) or enter the Secure2u Passcode (for M2U ID App). 1 (one) SMS TAC is only valid for 1 (one) transaction and is valid for the period specified in each SMS TAC received by the Customer.
9. Secure2u Passcode created by the Customer will be valid and can be used in every Customer transaction.
10. To find out or ensure that the Bank has carried out every order/instruction from the Customer, Bank will display a confirmation screen on M2U ID Web/M2U ID App which contains (i) a statement that the transaction has been successfully carried out and (ii) reference number information which is proof of transaction via M2U ID Web/M2U ID App.
11. SMS TAC sent to the Customer's cellphone can be received by the Customer in condition that the Customer's cellphone inbox is not full and/or there is no interference with the Cellular Operator's system network.
12. Proof of M2U ID Web/M2U ID App transaction carried out by the Customer is a record of mutation in the Customer's savings and/or Customer's checking account in the Bank.
13. The Bank is not responsible for any losses suffered by the Customer related to

    i	Any loss or damage directly, indirectly or otherwise due to or related to the use of M2U ID Web/M2U ID App;
    ii	All forms of use of SMS TAC, User ID and Password, Secure2u Passcode, including but not limited to theft/duplication/loss/falsification of the Customer's telephone number and/or SIM card connected to M2U ID Web/M2U ID App as well as the consequences of using M2U ID Web/M2U ID App which is not the Customer himself.

B. SMS TAC Maybank2u ID and / or Secure2u Passcode

1. Customers are required to maintain the confidentiality of SMS TAC, Secure2u Passcode, User ID and Password of M2U ID Web/M2U ID App.
2. TAC SMS, Secure2u Passcode, User ID and Password of M2U ID Web/M2U ID App may only be used by the Customer.
3. Customers can change User ID, Password and Secure2u Passcode according to the features in M2U ID Web/M2U ID App.
4. Customers hereby indemnify the Bank for losses and legal claims/lawsuits made by any parties.
5. Use of M2U ID Web/M2U ID App is the Customer's responsibility and therefore Customer must be careful in using it. Customers are prohibited from telling or sharing their User ID, Password, SMS TAC or Secure2u Passcode to any parties.

C. Biometric Authentication

1. After Customer's cellphone has been successfully registered with Biometric Authentication, M2U ID App can be accessed with Face ID or Fingerprint ID – Quick Touch.
2. Customer understands and agrees that for transaction purposes, Bank has the right to store Customer's biometric data.
3. In order to mitigate the risk of using Customer's M2U ID App by other parties, when registering/using M2U ID App, Customers are not advised to register or scan their Fingerprint - Quick Touch and/or face on someone else's cellphone.

IV Others

1. The headings in these Terms and Conditions are solely for ease of reading and do not aim to define, describe, change or limit the rights and/or obligations of the Customer and the Bank or cause other interpretations of these Terms and Conditions.
2. Customer will release the Bank from all losses, demands or lawsuits whatsoever and from any parties if Bank is unable to carry out the instructions/orders submitted by the Customer or if the implementation of Customer's instructions/orders by the Bank causes losses to any parties, including because Customer instructions/commands cannot be implemented, whether in whole or in part, due to causes or events beyond the Bank's control and capability, such as natural disasters, war, riots, equipment conditions, system/transmission malfunctions, electricity/telecommunications disruptions, government policies/ Bank Indonesia which must be obeyed by the Bank or other causes/events outside the control of the Bank and also losses due to negligence or errors made by the Customer.
3. Customer is obliged to immediately notify the Bank if there is a change in the Customer's data and/or if there is a problem related to M2U ID Web/M2U ID App. Specifically for Customer objections related to M2U ID Web/M2U ID App transactions, objections from the Customer will only be served by the Bank if the objection is submitted within 2 (two) calendar days from the date M2U ID Web/M2U ID App transaction was carried out by the Customer.
4. If in carrying out instructions/commands received from the Customer, Bank requires authorization from the Customer, then such authorization is deemed to have been given by the Customer to the Bank as soon as the Customer agrees to the Terms and Conditions at the time of registration as a user of M2U ID Web/M2U ID App.
5. Customer agrees to the validity and correctness of every note, recording, communication submitted electronically between the Bank and the Customer, including copies and/or forms of storage carried out by the Bank or data shown by the Bank and all of this is the only valid evidence of M2U ID Web/M2U ID App transactions.
6. All cost(s) related to carry out transactions using M2U ID Web/M2U ID App are the responsibility of the Customer. All these fees will be debited directly by the Bank when the transaction order/instruction from the Customer is carried out by the Bank. The amount of the fee(s) will be notified from time to time by the Bank. The Customer hereby authorizes the Bank to debit the Customer's account to settle/pay the Customer's obligations.
7. Customer understands that the Bank has the right to change these Terms and Conditions by notifying the Customer 30 (thirty) working days before the changes to these Terms and Conditions take effect.
8. Termination of these Terms and Conditions overrides the provisions of Article 1266 of the Civil Code.
9. Customers can submit complaints related to the use of M2U ID App and/or M2U ID Web via Maybank Customer Care which can be contacted 24 hours at 1500611 or +622178869811 (from abroad) or via email at customercare@maybank.co.id (Monday - Friday 08:00 – 20:00 WIB and Saturday - Sunday 08:00 – 17:00 WIB).
10. Customer agrees to all these Terms and Conditions. These M2U ID Web/M2U ID App Terms and Conditions are an integral and inseparable part of the Savings Account Terms and Conditions.
11. Anything that has not been or is not regulated in these terms and conditions, will refer to the Savings Account Terms and Conditions and if there is a conflict between the two, then these Terms and Conditions will apply.