(in effect from JJ/MM/2013).
These Special Terms and Conditions form an integral part of the Terms and Conditions of Easy Banking. In the event of contradiction between the Terms and Conditions of Easy Banking and these terms and conditions, the latter shall prevail.
The Bank reserves the right, in execution of the Easy Transfer service, to call on the services of subcontractors.
Unless specified or stated otherwise in these Special Terms and Conditions, the definitions included in Article I of the General Terms and Conditions of the Easy Banking service also apply.
For the purposes of these Special Terms and Conditions, the following terms are to be construed as defined below.
Access to the Easy Transfer service is restricted to holders of the Easy Banking service who may access the service by means of the interfaces provided by the Bank for this purpose and have at least selected a current account under the Easy Banking service.
Access to the Easy Transfer service therefore occurs after the user has been identified in the Easy Banking service and has activated Easy Transfer by means of the requisite Signature Procedure, after the user has selected a mobile phone number and Account number for the Easy Transfer service. The mobile phone number linked to the Easy Banking contract will be selected by default.
Any change in the data used to activate the function will entail use of the same Signature Procedure.
Once the Easy Transfer service has been activated, the Holder will be able to log on using the identification procedures provided by the Bank.
The terms, conditions and procedures for access to and use of the Easy Transfer service are set out in the technical appendices on our internet site www.bnpparibasfortis.be, under Easy Banking.
The Easy Transfer service enables the Holder to instruct the Bank to carry out a European transfer in favour of a Beneficiary by means of a Payment Instruction as provided for under this service.
The execution of a European transfer via the Easy Transfer service involves an entirely electronic transaction that occurs as follows:
If the mobile phone number given in the Payment Instruction corresponds to a phone number selected by a customer who has activated the Easy Transfer service, the transfer will be carried out by debiting the Holder's account in favour of the account selected by the said customer when the service was activated.
If the Beneficiary does not have the Easy Transfer service, they will be notified by the Bank by means of an SMS that a payment in their favour is pending and will be invited to register on an internet site managed on behalf of the Bank (https://www.easytransfer.be.), so that the Bank has the information required to carry out the transfer. The Bank is entitled to use the information entered on this site to make the link between the mobile phone number given in the Payment Instruction and the Beneficiary Account number and to make the transfer to the Beneficiary Account by debiting the Holder's account.
Transfers initiated via the Easy Transfer service are subject to an upper limit of EUR 250 per day, subject to the covering funds available in the Account to be debited. Transfers made via Easy Transfer are not included when applying the limits applicable to overall transfers entered via Easy Banking.
V.1 Since the Easy Transfer service is a function of the Easy Banking service, the Holder's obligations and responsibilities under the Easy Banking service apply mutatis mutandis under the Easy Transfer service, unless stipulated to the contrary below.
V.2 By providing us with a Payment Instruction, the Holder assumes responsibility for the accuracy of the information sent to the Bank concerning the details that make it possible to identify or contact the Beneficiary.
V.3 The Holder can only revoke a Payment Instruction if the transfer has not already been carried out (payment instruction with "……" status in the application).
V.4 The Holder irrevocably authorises the Bank to debit their Account with the amounts for transactions carried out using Easy Transfer. Any unauthorised amounts overdrawn on the Account as a result of these debits do not in any way represent that an overdraft has been granted, and must be settled immediately by the Holder.
V.5 The Holder accepts that in the event of a transfer to a Beneficiary who does not have the Easy Banking service, the Payment Instruction will not be carried out ("….. " status in the application) if the Beneficiary has not registered on the site referred to in Article III within five calendar days of the Bank sending them an SMS inviting them to register on that site.
VI.1 Since the Easy Transfer service is a function of the Easy Banking service, the Bank's obligations and responsibilities under the Easy Banking service apply mutatis mutandis under the Easy Transfer service, unless stipulated to the contrary below.
The Bank provides such reasonable technical resources as are available to it to guarantee access and security of the Easy Transfer service, in accordance with relevant good practice. Other than in the event of gross or intentional misconduct on its part, the Bank is not liable for direct or indirect loss or damage suffered by the Holder as a result of using the Easy Transfer service or if it impossible to use the service for any reason whatsoever.
VI.2 The Bank shall not accept any liability for the fact that a Payment Instruction contains inaccurate information concerning the Beneficiary's mobile phone number. Likewise, the Bank will not accept any liability in the event of an error made by the Beneficiary when registering on the site referred to in Article III.
VI.3 The fact that the Holder sends an SMS informing the Beneficiary of a Payment Instruction sent to the Bank does not in any way bind the Bank regarding execution of the transfer, which will depend on the Holder and Beneficiary strictly complying with the Easy Transfer service procedures.
VI.4 The Bank is entitled to cancel a Payment Instruction with "……." status either at the request of the Holder pursuant to Article V.3 or on its own initiative for objective security reasons or if it suspects incorrect or fraudulent use.
Independently of the terms and conditions of duration and cancellation of the Easy Banking service that also apply to the Easy Transfer service, the following special provisions apply:
The Easy Transfer service will be suspended if it is not used for six consecutive months. The Holder may lift such suspension via the application using the Signature Procedure provided or by contacting the Helpdesk on the number specified in the technical appendices referred to in Article II. Suspension of the Holder's access to the Easy Banking service will automatically entail suspension of the Holder's access to the Easy Transfer service, according to the same procedures. In addition, the Bank reserves the right to suspend, temporarily if appropriate, access to the Easy Transfer service for objective security reasons or if it suspects incorrect or fraudulent use.
Any Payment Instructions that are being processed when the Easy Transfer service is deactivated or suspended will automatically be cancelled ("……" status in the application).
Activating the Easy Transfer service is free.
In addition to what is specified in the General Terms and Conditions of Easy Banking, the Holder shall pay optional SMS charges if they decide to send an SMS to the Beneficiary as described in Article III. The charge for the SMS will depend on the service operator and the fee arrangements chosen by the Holder with the said operator.
The Easy Transfer concept, its texts, graphical presentation and other integral elements are the property of the Bank and cannot under any circumstances be changed, copied or distributed without the prior written consent of the Bank.
The Holder shall be informed of any amendment to these Special Terms and Conditions by means of an advice included with an account statement, by standard mail or by means of another hard-copy medium to which the Holder has access. This information will be provided at least two months before the amendment concerned takes effect.
When sending the information mentioned in the first paragraph, the Bank shall also advise the Holder that they have a period of at least two months in which to give up this function free of charge; if the Holder does not give up the function within that period, they shall be deemed to have accepted the amended Terms and Conditions.