Hati za kielektroniki zitaletwa kwako ndani ya mchakato wa kutuma maombi katika hati ya .pdf. Lazima upakue na ufungue hati za kielektroniki ili kuendelea na ombi lako na unahimizwa sana kuhifadhi au kuchapisha hati kwa marejeleo ya siku zijazo.

Unakubali na kuelewa kwamba matoleo ya karatasi ya hati zilizowasilishwa kwa njia ya kielektroniki hayawezi kutumwa kwa njia ya posta isipokuwa ukiomba mahususi. Ili kuomba nakala ya karatasi ya ufichuzi wowote, ilani au hati nyingine, wasiliana na Kituo chetu cha Mawasiliano kwa nambari 230-202 9200. Nakala za ufumbuzi, mikataba ya huduma na makubaliano ya akaunti zitatumwa bila malipo.

Kwa kukubali makubaliano haya, unathibitisha kuwa Kifaa chako cha Ufikiaji kinatimiza masharti na masharti ya chini zaidi ili kutazama na kuhifadhi hati zako za kielektroniki.

Ili kufikia hati zako za kielektroniki kwenye kifaa cha rununu, utahitaji:

• Kifaa cha mkononi kilicho na mifumo yoyote ya uendeshaji ifuatayo: Android au iOS (iPhone).
• Mpango wa data unaotolewa na mtoa huduma wako pasiwaya na kivinjari kilichosasishwa cha intaneti ya simu ambayo inaoana na, na kuungwa mkono na mfumo wako wa uendeshaji (km, Chrome au Safari).
• Ikiwa ungependa kuona faili za .pdf kwenye kifaa chako cha mkononi, utahitaji programu inayosoma na kuonyesha kwa usahihi faili za .pdf (kama vile toleo la simu la Adobe Reader).
• Kichapishi na/au kifaa cha kuhifadhi ikiwa ungependa kuchapisha au kuhifadhi hati zozote za kielektroniki.

Ili kufikia hati zako za kielektroniki kwenye kompyuta ya kitamaduni, utahitaji:

• Kompyuta iliyo na mifumo yoyote ya uendeshaji ifuatayo: Windows XP au toleo jipya zaidi, OS X (Apple Macintosh) au toleo jipya zaidi.
• Muunganisho wa intaneti na kivinjari kilichosasishwa ambacho kinaoana na, na kuungwa mkono na mfumo wako wa uendeshaji (kwa mfano, Internet Explorer, Firefox, Google Chrome, au Safari).
• Programu inayosoma na kuonyesha faili za .pdf kwa usahihi (kama vile Adobe Reader).
• Kichapishi na/au kifaa cha kuhifadhi ikiwa ungependa kuchapisha au kuhifadhi hati zozote za kielektroniki.

Mabadiliko ya mahitaji ya mfumo

Tutakuarifu ikiwa mahitaji yetu ya maunzi au programu yatabadilika na iwapo mabadiliko hayo yataleta hatari ambayo hutaweza kufikia au kuhifadhi hati zako za kielektroniki. Kuendelea na mchakato wa kutuma maombi baada ya kupokea notisi ya mabadiliko hayo ni uthibitisho wa kibali chako kwa Makubaliano haya.

Ni muhimu kudumisha anwani halali ya barua pepe ili tuweze kuwasiliana nawe kuhusu akaunti yako. Unakubali kudumisha anwani halali ya barua pepe na kutuarifu mara moja kuhusu mabadiliko yoyote kwenye anwani yako ya barua pepe. Unaweza kusasisha anwani yako ya barua pepe wakati wa mchakato wa kutuma maombi au kwa kuwasiliana na Kituo chetu cha Mawasiliano kwa 230-202 9200.

Unaweza kuondoa idhini yako kwa Makubaliano haya wakati wowote. Ili kuondoa kibali chako kabla ya kukamilisha ombi lako, ondoka kwa kipindi hiki kabla ya kukubali Makubaliano haya. Ili kuondoa kibali chako baada ya kuwa tayari kuwasilisha ombi lako, ni lazima upigie simu Kituo chetu cha Mawasiliano kwa nambari 230-202 9200.

Ukiondoa kibali chako kwa Makubaliano haya:

• Hutapokea tena wasilisho la kielektroniki la hati zozote.

Kukubali kwako makubaliano haya kwenye Kifaa kimoja cha Kufikia kunajumuisha ukubali wako kwenye Vifaa vyote vya Kufikia unavyotumia. Kwa mfano, ukitazama na kukubali makubaliano haya kwenye kifaa cha mkononi, masharti ya Mkataba huu yatatumika kwa hati za kielektroniki zinazopatikana kwenye kompyuta ya kawaida (au kinyume chake). Zaidi ya hayo, kwa kutazama na kukubali makubaliano haya kwenye Kifaa chochote cha Ufikiaji, unaonyesha uwezo wako wa kufikia na kutazama hati za kielektroniki katika umbizo ambalo huduma zinatolewa kwenye Kifaa hicho cha Kufikia na Vifaa vyote vinavyofuata vya Ufikiaji. Ukibadilisha Vifaa vya Kufikia (au kutumia Vifaa vingi vya Ufikiaji), ni wajibu wako kuhakikisha kwamba Kifaa kipya cha Ufikiaji kinatimiza mahitaji ya mfumo unaotumika na kwamba bado unaweza kufikia na kutazama hati za kielektroniki kwenye Kifaa kinachofuata cha Ufikiaji. Kuendeleza ombi lako kwenye Vifaa vingine vya Ufikiaji ni uthibitisho wako wa Makubaliano haya

Tafadhali wasiliana na Kituo chetu cha Mawasiliano kwa nambari 230-202 9200 ikiwa una shida kufikia au kutazama hati za kielektroniki kwenye Kifaa chako cha Ufikiaji ulichochagua.

1.1. The Customer effects withdrawals from his Current Account in MUR, only by means of cheques supplied to him by the Bank for that particular account. Cheques should be signed as per the specimen signature supplied to the Bank and any alteration in the cheque must be authenticated by the drawer’s full signature. The Bank reserves its right not to honour any cheque issued by the Customer in case the signature appearing on the cheque differs from the specimen signature supplied by the Customer to the Bank and in case of any other discrepancies. Withdrawals from Foreign Currency Accounts can be made only either by written payment instructions submitted to the Bank in original or in scanned copy or by calling at the counter and sign the relevant voucher. 1.2. Customers may request the Bank in writing to stop payment of a cheque before same has been presented for payment unless the Bank committed itself to honour such cheque. Customers will be required to provide for full particulars of the cheque. Fees for stop payment of cheques will be debited to the Customer’s Account.

2.1. Statement of account will be sent to the Customer if the Account is operative on the following frequencies:

• Akaunti ya Sasa (MUR & FCY) – Kila Mwezi
• Akaunti ya Akiba (MUR & FCY) – Kila mwaka, kulingana na taarifa ambayo imechaguliwa.

Wateja walio na Akaunti ya Sasa na/au Emma Savings watawajibika kwa kuhifadhi vitabu vyao vya hundi/Kadi ya Akaunti. Katika kesi ya wizi wa kitabu chao cha hundi, Wateja watahitajika kuipatia Benki memo ya polisi. Wateja wanapaswa kuarifu Benki kuhusu upotevu, wizi au upotevu wa vitabu vyao vya hundi/Kadi ya Akaunti. Endapo vitabu vya hundi/Kadi ya Akaunti itapatikana, Wateja wataahidi kurejesha Benki. Benki inahifadhi haki ya kudai kutoka kwa Mteja ada ya kubadilisha vitabu vya hundi/Kadi ya Akaunti. Utoaji wa pesa unaweza kufanywa kutoka kwa Akaunti kwa kutumia fomu iliyowekwa na Benki.

Katika Akaunti ya Akiba, riba itakokotolewa kwa kiwango kilichopo cha Benki kulingana na salio la chini linalohitajika kila siku kwenye akaunti inayotunzwa na riba hiyo itawekwa kwenye Akaunti hiyo ya Akiba kila baada ya miezi mitatu. Katika Akaunti ya Akiba ya Emma, ​​riba itakokotolewa kwa kiwango kilichopo cha Benki kulingana na salio la chini la kila siku la Mwenye Akaunti. Riba kama hizo zitawekwa kwenye Akaunti kila baada ya miezi mitatu.

5.1. Whenever a Foreign Currency Savings and/or Current Account is credited otherwise than by way of a Direct Bank Transfer, a commission will be levied as per the Bank’s Tariffs and Commissions. 5.2. Bank charges will be applied for any debits to a Foreign Currency Account for payment in foreign currency in lieu of exchange as per Bank’s Tariffs and Commissions.

6.1. Uncleared funds, which may be credited to the account shall not be available for the Customer to draw against. If such uncleared cheques are, however, credited and/or allowed to be drawn against, the Bank shall have the right to debit the Customer’s account, in case they are lost and/or not realised. 6.2. Any such collections are undertaken at the sole risk of the Customer. The Bank will collect such cheques and transmit same as promptly as possible. Any delay arising out of this during transmission will be referred to the competent authority for action and will attract no responsibility on our part for any action per law and the delay arising out of same.

7.1. The Customer hereby agrees that no Term Deposit shall be cashed before its maturity. The Bank may, however, at its own discretion consider the payment of a Term Deposit before its maturity and in which case the interest rate applicable will be the prevailing rate for the period for which the Term Deposit has actually been held with the Bank less a penalty fee as stated in the Bank ’s Tariffs and Commissions. 7.2. The Term Deposit shall be renewed on maturity for identical period at the prevailing floating interest rate, unless otherwise specifically advised by the Customer before maturity date. Such automatic renewal will discontinue after seven years. The Term Deposit will thereafter be treated as abandoned funds, in which case it will be remitted to the Bank of Mauritius as per the applicable regulations. 7.3. In case of Term Deposit in joint names the depositors herewith expressly authorise that pledging of the Term Deposit for the purpose of securing credit facilities to either of them/third party may be made by anyone of them, which may be considered as a valid discharge. 7.4. In case the Term Deposit is in foreign currency, the interest rate may vary from time to time according to fluctuations in the international money market.

Mteja hatakuwa na pingamizi kwamba rejeleo huru la Benki linaweza kutafutwa kwa madhumuni ya uchunguzi unaostahili.

Benki ina haki ya kulipa salio la benki na mikopo la Akaunti za Wateja bila taarifa iwapo Mteja atashindwa kutimiza wajibu wake wowote kwa Benki, ama kama mdhamini, mdhamini au vinginevyo.

10.1. Service Charges are levied at the end of each half year for all Current Accounts, depending on the labour and expense in keeping such accounts with the Bank. Ledger Fees are levied on all Current Accounts as per the Bank’s Tariffs and Commissions. 10.2. All expenses and disbursements incurred in the Customer’s interest, in particular for legal and other professional fees, insurances, printed letters, taxes, postages and telephone calls, may be charged by the Bank to the Customer’s account.
10.3. The Bank can change its tariff structure by notifying the Customer, where possible, at least 30 days before the change takes effect.
The Bank’s notification will be communicated to the Customer either in writing (by direct communication), made available on our website, announced in the media and/or displayed in any Branch of the Bank.

Mteja ataifidia na kuiweka Benki bila madhara kutokana na hasara yoyote na yote, ambayo ni matokeo ya moja kwa moja au yasiyo ya moja kwa moja ya Benki kutekeleza au kujaribu kutekeleza shughuli au huduma yoyote iliyoombwa na Mteja.

12.1. In case an Account is overdrawn, the Bank reserves the right to apply interest at the then prevailing rate on all the outstanding sums until the full repayment. 12.2. The Bank may honour, whether the Account is in credit or not, cheques, Bills of Exchange, Promissory Notes or other orders drawn, accepted or made on behalf of the Account Holder and to act on any instructions and accept any receipts or other documents relating to the account and also to accept endorsements, of so signed or made on behalf of the Account holder. 12.3. The Customer assumes full responsibility for the genuineness, correctness and validity of all endorsements appearing on all cheques, orders, bills, notes, negotiable instruments and receipts or other documents deposited in the Account. 12.4. The Bank will ensure that credit and debit entries are correctly recorded in the Accounts, but in case of any error, the Bank shall be within its rights to make the correct adjusting entries without notice and recover any amount due from the Customer. The Bank shall not be liable for any damage, loss etc., consequent on such errors. 12.5. A receipt for money, cheques and securities or any other receipt on behalf of the Bank is valid only if signed by duly authorized officers. 12.6. Amount in excess to that stipulated under Financial Intelligence and Anti-Money Laundering Act (“FIAMLA”) or any other relevant legislation should be routed through proper Banking channel, as prescribed by FIAMLA or any other relevant legislation. 12.7. In the event that any item is paid or charged back or any credit is reversed or any charge is made to the Account and as a result thereof, the Account is overdrawn, the Customer shall forthwith on being intimated by the Bank in writing, repay the amount of such overdraft to the Bank. The Bank may at its sole discretion charge interest on such overdraft at such rates as the Bank may determine. The Customer hereby agrees and undertakes to pay the entire liability along with the prevailing rate of interest and hereby authorises the Bank to debit the Customer’s account with the amounts of all such interest. 12.8. The Personal Accident Cover for Emma Account Holders, is subject to Terms & Conditions as per the Insurance Company.

13.1. For security reasons, all Savings and Current accounts in which there are no transactions for a period of 12 consecutive months or any period that may be determined from time to time, are converted to “Inactive” status. 13.2. All Savings and Current accounts in which there are no transactions for a period of 24 consecutive months or any period that may be determined from time to time, are converted to “Dormant” status. A fee, as per Bank’s Tariffs and Commissions, will be charged on a six-monthly basis on such account until reactivation. 13.3. In case the Account remains inactive or dormant, the Customer will not be able to perform any transactions on same, such as withdrawals, deposits etc. 13.4. To reactivate a Dormant Account, the Customer shall submit updated KYC documents. The Bank will require 24 hours to process the reactivation before restarting any transaction on the account.

Mteja anaweza kufunga Akaunti au kusitisha huduma kwa kutoa notisi ya mwezi mmoja kwa Benki. Benki inaweza kufunga akaunti au kusitisha huduma kwa kutoa notisi ya mwezi mmoja kwa Mteja. Hata hivyo, Benki inaweza kufanya hivi mara moja pale ambapo sheria inailazimisha Benki kufanya hivyo au pale ambapo hakuna njia nyingine mbadala au kama Mteja:

1. amekiuka kwa dhati au kwa kuendelea masharti ya Kanuni na Masharti ya Jumla.
2. ametoa taarifa ambazo ni za uongo au za kupotosha kwa Benki.
3. haikidhi vigezo vya akaunti au huduma husika.
4. ametumia, au amemruhusu mtu mwingine kutumia, akaunti au huduma kwa madhumuni yasiyo halali.
5. kwa maoni ya Benki, inatenda kwa njia isiyofaa ambayo inafanya iwe sawa kwa Benki kuchukua hatua za haraka.
6. kwa maoni ya Benki, inaiweka katika hali, au inatoa Maagizo, ambayo yanaweza kuharibu sifa ya Benki, au kusababisha kuvunja sheria, kanuni au vikwazo.
7. inachukua, au imeanza dhidi yake, hatua yoyote ambayo inaweza kusababisha kukamatwa kwa mali ya Mteja, utekelezaji wa
   dhamana iliyotolewa na Mteja au utaratibu wa ufilisi kwa Mteja.

Kadi huwezesha Mmiliki wake wa Kadi:
1.1. kutoa pesa taslimu kutoka kwa ATM yoyote kwa sarafu ya nchi ambako ATM iko mradi Nembo ya Mastercard itaonyeshwa. Akaunti yake ya benki itatozwa kiotomatiki kwa rupia za Mauritius. Uondoaji huo utakuwa chini ya vikomo vya muamala wa kila siku kama ilivyoamuliwa na Benki mara kwa mara. 1.2. kulipia bidhaa na huduma za kielektroniki ndani na nje ya nchi, kwenye POS ya mfanyabiashara yeyote aliyeidhinishwa anayewezesha utozaji wa kiotomatiki wa Akaunti yake. 1.3. kuweka kupitia hundi za ATM za Bank One na noti kwenye bahasha maalum kwa ajili ya mikopo kwenye Akaunti yake. Mmiliki wa Kadi anakubali kwamba risiti inayotolewa kwa njia ya kielektroniki inawakilisha kile ambacho Mmiliki wa Kadi anadai kuwa ameweka na italazimika kulipa kwa Benki ya Kwanza. 1.4. kupata kupitia ATM ya Bank One salio la Akaunti yake na taarifa ya miamala ya hivi karibuni. 1.5. kutekeleza, kwenye ATM yoyote ya Bank One, na ndani ya mipaka iliyoidhinishwa na Benki, uhamisho kati ya Akaunti yake yoyote ya Benki Moja aliyoiweka na kukubaliwa na Benki ya Kwanza. 1.6. kuagiza kitabu cha hundi

2.1. The Bank shall issue the Card to those Customers whose applications have been accepted. 2.2. In case the Account earmarked for Card transactions is held and operated on a joint basis, all joint Account Holders concerned shall intervene in, and sign the present Agreement, thereby signifying their consent to the use of the Card by the designated Cardholder and the eventual debits to their account resulting from such use.

3.1. A PIN, essential for acceding to ATMs and POS, shall be allotted by the Bank to the Cardholder and notified to him confidentially in writing. The PIN will be either mailed directly to him by post or be made available for collection at the request of the Customer to the Customer’s branch. 3.2. The Cardholder is responsible for the safekeeping and proper use of his Card and PIN. He shall exercise utmost care to prevent their loss or their use by unauthorised persons. The Cardholder and the Account Holder shall jointly and severally indemnify the Bank in case the latter were to suffer any damage, loss or prejudice. 3.3. If the PIN has become known to any unauthorised person, the Cardholder shall notify Bank One Limited Card Centre immediately.
The Cardholder shall nevertheless be liable to the Bank for any transaction effected by the use of the Card by any other person who acquired possession of it with or without the Cardholder’s consent before such notice is received, as if he had used it personally.

4.1. The Cardholder shall use the Card and operate the Account in a satisfactory manner. The decision as to whether the Card is being so used or the Account is being so operated rests with the Bank and shall be conclusive and binding on the Account Holder/s and on the Cardholder. 4.2. The Bank will bear no responsibility for the refusal of any merchant or establishment to accept the Card for any reason whatsoever. 4.3. Cash withdrawals that are recorded by the ATM, and payments effected by the Cardholder with his Card, shall be debited to his Bank Account. 4.4. Before using his Card, the Cardholder shall ensure that there are sufficient funds on his Account to cover the payment of the Card transactions. Furthermore, the Cardholder will not operate the Account in such a way to exceed the available balance of the Account. 4.5. The fraudulent, incorrect or illegal use of the Card by any person whomsoever shall not relieve the Cardholder of his liabilities to the Bank in respect thereof. 4.6. The Bank shall not be responsible to the Cardholder for any goods or services supplied to the Cardholder by merchants, or to any person to whom the said goods and services have been supplied. Disputes arising from the supply of such goods and services shall be settled directly with the merchants without the Bank being constituted party thereto. The Cardholder shall consequently not be relieved of his obligations to the Bank under the relevant Card transactions. 4.7. The Cardholder shall ensure the correctness of the amounts borne on, and contained in, the envelopes referred to in clause 1.3 of Part III above. The contents of the envelopes shall be checked and certified by two officers of the Bank. The amounts so certified shall be credited to the Account whose number is borne on the envelopes and shall be final and conclusive and not liable to be called in question by the Cardholder or the Account Holder. 4.8. Transactions for POS and ATM withdrawals are subject to the respective daily limits as determined by the Bank from time to time.

5.1. The ATMs records or their reproduction on a computer base shall be conclusive and irrefutable evidence of the amounts withdrawn or paid to merchants through the use of his Card by the Cardholder, entitling Bank One to debit same to the Account. 5.2. The Bank and the company responsible for the maintenance of the ATMs shall in no circumstance be liable for the malfunction, temporary breakdown or misuse of the ATM or for any cause whatsoever which may result in the retention of the Card or it being defaced, torn, destroyed, rendered unusable, and shall not be held liable for any consequence resulting from same. 5.3. Improper use of the ATM or unsuccessful attempts to key in PINs will result in the automatic retention of the Card which the Cardholder shall then recover by calling at his Bank One branch with proof of identification. 5.4. The Bank shall not be held liable, in the absence of wilful misconduct or gross negligence on the part of its servants or agents, for any loss or damage suffered by the cardholder, arising out of an interruption or failure of power supply to an ATM, of any ATM breakdown or damage, or any other interruption beyond the control of the Bank.

6.1. The Cardholder shall during the opening hours of Bank One Card Centre report any loss, theft or suspected abstraction of his Card, even by a member of the Cardholder’s family, by calling personally at the Bank with his identity card. Alternatively, such report may be made by any means of communication such as telephone or fax, but shall be confirmed in writing as evidence of such notifications. 6.2. In case of loss, theft, or suspected theft occurred abroad, it shall be reported immediately to Bank One Card Centre via telephone or fax. However, such loss, theft or suspected theft shall be confirmed in writing by means of a letter signed by the Cardholder and addressed to Bank One Card Centre by registered post. 6.3. In case of dispute as to the effective date and time of such report to the Bank, the time and date or receipt of the written confirmation at Bank One Card Centre shall be conclusive. 6.4. The Bank may in its discretion further require the Cardholder to report to the Police the loss, theft or suspected abstraction of his Card and may require proof that such report has been made. 6.5. Subject to Clause 8 below, the Cardholder’s and the Account Holder’s liability to the Bank shall, in any cases, last until written communication of the loss, theft or suspected theft or abstraction of the Card received by the Bank. The Cardholder and the Account Holder shall therefore be liable jointly and severally to the Bank for any transaction which has been posted to the Account prior to receipt by the Bank of the Cardholder’s confirmation specified in clause 6.3 of Part III and shall be deemed to have been effected by the Cardholder himself. 6.6. If the report of the loss, theft or suspected abstraction of the Card is telecommunicated by some persons authorised or not, other than the Cardholder, the Bank shall not be liable for any resulting damage suffered by the Cardholder.

Iwapo ni kosa au uzembe wa Mmiliki wa Kadi katika kuhifadhi kadi au PIN yake, Benki itakuwa na haki ya kuripoti suala hilo kwa Polisi na kudai fidia kutoka kwa Mwenye Kadi kwa pamoja na kwa pamoja na Mwenye Akaunti hata kama mmiliki wa akaunti ameripoti. hasara, wizi au kushukiwa kunyang’anywa Kadi.

Wamiliki wa akaunti za pamoja ambazo miamala ya Kadi itatumwa watawajibika kwa pamoja na kwa kiasi kikubwa kwa uharibifu unaotokana na wajibu wa Wamiliki wa Kadi kuhusu matumizi na uhifadhi wa Kadi, hadi wakati kama vile: 8.1. Kadi inarudishwa kwa Benki au 8.2. Kadi inaisha muda au 8.3. Akaunti ya pamoja imefungwa au 8.4. mmoja wa Wamiliki wa Akaunti ameshauri kwamba ajitoe kwenye akaunti ya pamoja ilimradi taarifa zake zimewasilishwa kwa maandishi kwa

1. Benki
2. Wamiliki wengine wa Akaunti na Benki

Kwa malipo au uondoaji wa pesa taslimu unaofanywa kwa fedha za kigeni kupitia Kadi, akaunti ya Mteja itatozwa kwa Rupia ya Mauritius baada ya kubadilishwa kwa kiwango kilichoamuliwa na Benki siku ya ubadilishaji.
Upatikanaji wa huduma za ATM na vikomo vinavyohusiana na uondoaji wa ATM nje ya nchi hutawaliwa na kanuni za ndani za nchi zinazotumika.
Benki haitawajibika ikiwa huduma za ATM zitaondolewa.

Ada hizo zitatumika kulingana na Ushuru na Tume za Benki kama zinavyoweza kurekebishwa mara kwa mara:
10.1. Kubadilishwa kwa Kadi iliyonaswa kwenye ATM isiyo ya Benki One, kadi iliyopotea au kuibwa
10.2. Uondoaji wa ATM ulifanyika nje ya nchi. 10.3. Mwenye Kadi anakubali kulipa kiasi cha miamala yote ya Kadi au ambacho hajachagua akaunti kukatwa. Ada na miamala kama hiyo itatozwa moja kwa moja kutoka kwa Akaunti ya Mmiliki wa Kadi. 10.4. Ada ya kutoa PIN tena itatozwa kwa msimbo wa PIN uliosahaulika.

11.1. The Card shall be valid up to the expiry date borne thereon. 11.2. The Card shall be automatically renewed at its expiry date, unless contrary instructions have been given by the Cardholder to the Bank at least one month prior to the expiry date. 11.3. The Card shall remain property of the Bank which may, in its absolute discretion, terminate its validity at any time or refuse to renew it on expiry without having to assign any reason therefore. The Cardholder, in such an eventuality shall stop using the Card from the time it is demanded back and shall return the Card to the Bank. Such demand shall be addressed to the Cardholder by registered post at his last known address, the postal receipt being evidence of such demand. The Cardholder shall be liable to
prosecution in case he continues to make use of his Card after such demand. 11.4. On the closing of the account on which the Card is operated, it shall be the duty of the Cardholder to return the Card immediately to the Bank. The same duty shall apply in case the joint Account covenant is terminated. The final statement of the account shall be effected 30 days after the closing of the account irrespective of the fact the cardholder has not returned his Card. 11.5. In the event of the death or bankruptcy of the principal Cardholder, or the breach by him of any of the conditions of his agreement for the time being in force, the Bank may, in addition to the other remedies it may have, take such steps as necessary to stop any transactions by means of the Card and to withdraw the Card.

12.1. Documents and information relative to transactions and effected by means of the Card shall be retained by Bank One Card Centre for a period not exceeding seven years. 12.2. No claim or action whatsoever from the Cardholder relative to a card transaction shall be entertained beyond a period of five months following such transaction.

Benki itakuwa na haki, iwapo itaona ni muhimu, kuwasilisha kwa benki yoyote ya biashara, taasisi ya fedha au mfanyabiashara taarifa zozote zinazohusiana na Mwenye Kadi iwapo atatumia Kadi isivyostahili au kwa njia ya ulaghai, au ili kurahisisha urejeshaji wa baadhi ya kadi. katika kesi ya upotevu, wizi au tuhuma ya kufungiwa na Mmiliki wa Kadi anaidhinisha waziwazi na bila kipingamizi ufichuaji wa taarifa hizo.

14.1. Any improper or fraudulent use of the Card shall expose the Cardholder to the withdrawal of his Card and shall render him liable to prosecution. 14.2. All costs and expenses, including attorney’s fees, paid by the Bank in connection with the recovery of any such sums due on an Account, shall be due and payable by the Cardholder and the Account Holder jointly and in solido, or by the Cardholder and the Account Holders jointly and in solido. 14.3. In an action before any Court for the recovery of any sum due to the Bank in connection with the use of a Card, the documents relating to the transactions effected with the Card or certified photocopies thereof shall be conclusive and irrefutable evidence of the said transactions or the statement will be a valid proof of claim for any balance due to the Bank.

1.1. The Bank will act on the instructions received by making applicable accounting entries and by transmitting payment instructions to the third party, on the day such request is received, if such request is received prior to the Bank’s applicable cut-off time and the if the date of receipt is a Business Day or not later than any stated value date (if such date is not earlier than the day such request is received). 1.2. The Bank shall be entitled to effect an electronic funds transfer in respect of the Accounts of which the numbers are provided in a payment instruction. The Customer acknowledges that the Bank shall not be obliged to verify the destination Account numbers, parties’ names or the amounts involved in any instruction. 1.3. The Bank shall not be required to inquire into the authority of any person using the systems, or any of them. 1.4. The Bank is hereby authorised to debit the Customer’s Account/s with the amounts of the transactions effected via the systems, provided funds are available.
1.5. Once the Bank has received and implemented an instruction given by a Customer via any of the systems, the Bank shall not be entitled to retract or amend such instruction. 1.6. The Bank is entitled to debit any Customer’s account/s with the amount of any fees payable to the Bank from time to time for the use of the systems, or any of them.
1.7. Any instructions received by the Bank after the applicable cut-off time may be treated as received by the Bank on its next Business Day.

2.1. The Customer acknowledges that, should he breach any of this agreement, the Bank shall be entitled, without notice, to cancel this agreement and withdraw the facilities under the systems with immediate effect, without prejudice to any rights it may have to recover any amount due to it or any losses or any damages suffered by it in consequence of the Customer’s breach. 2.2. Any software downloaded by the Customer from the Internet, whether from the Bank’s Internet site or not, is third party software, the licensing of which shall be subject to such Terms and Conditions as the licensor of such software may impose. The Bank is not party to any license agreement entered into by the Customer and thus makes no warranties relating to such software, including without limitation, warranties relating to suitability for a particular purpose, security features or performance. The Customer understands that the use of such software shall be at his own risk and he hereby absolves and holds the Bank harmless against any loss or damage which he may suffer as a result of the use, abuse or possession of such software.

3.1. The computer generated passwords issued by the Bank and allocated to the Customer⁄ authorised user, so as to give him access to the different services of the Bank, shall be kept secret and shall not be imparted or communicated to any person whomsoever.
The same secrecy obligation shall apply in respect of the password keyed-in by the Customer⁄ authorised user at his first or any subsequent log in session. 3.2. The passwords issued to the Customer shall provide access to his account and the Customer therefore agrees to change the PASSWORDS issued to him immediately upon using the systems for the first time (and on a regular basis thereafter) to a password of his choice. This is mandatory and will be prompted by the system.
3.3. The Customer undertakes to:

1. hakikisha uhifadhi na usiri wa nenosiri kama hilo.
2. haribu ushauri wowote wa PIN mara tu unapopokea.
3. ijulishe Benki mara moja baada ya kufahamu kuwa nywila zake zinaweza kuwa zimeangukia mikononi mwa mtu ambaye hajaidhinishwa.
4. itaarifu Benki mara moja kuhusu ufikiaji wowote ambao haujaidhinishwa kwa huduma au shughuli isiyoidhinishwa ambayo anajua au anashuku.
   Hakuna njia ya kurejesha Nywila kutoka kwa mfumo. Iwapo Mtumiaji atasahau Nenosiri lake, atalazimika kukaribia Benki ili kuweka upya nywila zake.

3.4. Any failure on the Customer’s part to follow the recommended security procedures may result in a breach of his Account/s confidentiality and may lead to unauthorised transactions on his accounts. 3.5. The Customer confirms having assessed the security features of ONE CLICK and that these features, in combination with his own security measures, are adequate to protect his interests. 3.6. The Customer⁄authorised user shall nevertheless be liable to Bank One for any transaction effected through the use of his authorised passwords by any person who acquired possession of it, with or without the Customer ⁄ authorised users’ consent, before a written notification is received by the Bank as if the Customer ⁄ authorised user had used it personally. 3.7. The Bank may accept as validly authorised by the Customer, any instruction and ⁄ or message received by the Bank through the ONE CLICK purporting to come from the Customer and authenticated in such manner as provided by Bank One. 3.8. Any data received by the Bank which has been authenticated by means of the ONE CLICK shall be relied on by the Bank as being authenticated by the holder of such device registered with Bank One from time to time. 3.9. The Bank shall not be obliged to effect any payment in accordance with any instruction received by the Bank through its Internet Banking Services, unless:

1. fedha za kutosha zilizoidhinishwa zinapatikana kwenye Akaunti, ambayo fedha hizo zinaombwa kulipwa, au:
2. mipango ya awali imefanywa na Benki ya kughairi akaunti na kikomo kilichotolewa kwa Akaunti tajwa hakijaisha.

3.10. The Customer’s instruction is irrevocable and unconditional. The Customer agrees that it is not, at all times, possible for the Bank to ensure that the payment to, or receipt of funds from, a third party financial institution can be made at any particular time or within any particular time limit.

Huduma zitapatikana kwa siku na kati ya saa zilizopendekezwa na Benki kwa Mteja mara kwa mara. Saa za kazi zinaweza kubadilishwa au kusimamishwa na Benki bila taarifa ingawa katika hali zote kama hizo Benki itajitahidi kumshauri Mteja haraka iwezekanavyo kwa njia yoyote ambayo Benki itaona inafaa. Tarehe na Wakati unaorejelewa katika makubaliano haya/ au kwenye Tovuti/ au hati nyingine yoyote inayohusiana na huduma za CLICK MOJA itakuwa tarehe na wakati uliopo katika Jamhuri ya Mauritius wakati wa shughuli.

Kwa hivyo, Mteja anaifidia Benki dhidi ya, na kuishikilia kuwa haina madhara kutokana na, dhima yoyote na yote, madai, gharama, gharama na uharibifu wa aina yoyote kwa njia yoyote ile inayotokana na au inayohusiana na migogoro au hatua za kisheria za wahusika wengine kuhusu matumizi au Benki. utoaji wa Huduma. Majukumu ya Mteja chini ya kifungu hiki yatadumu kukomeshwa kwa makubaliano haya.

Ada zitalipwa kwa Benki kulingana na Ushuru na Tume za Benki ambazo zinaweza kutofautiana mara kwa mara.

Rekodi za CLICK MOJA au kunakiliwa kwake kwenye msingi wa kompyuta zitakuwa ushahidi kamili na usioweza kukanushwa wa miamala iliyofanywa na⁄ au maagizo yatakayotolewa na Mteja kwenye tovuti ya BOFYA MOJA pamoja na nenosiri la Mteja ⁄ la mtumiaji aliyeidhinishwa.

1.1. The Bank will link the Customer’s existing and future Account(s) to the mobile number provided in the registration form to enable the SMS Alerts Service.
The Bank takes upmost care to ensure that the information is delivered to the Customer nominated mobile number securely. 1.2. The Bank will send Alerts only on one mobile number even if the Account is held in joint names.
The Bank, its Directors, Officers and Employees shall not be liable for any unauthorized access to SMS Alerts by any person or any breach of confidentiality which the Bank cannot be held accountable under the applicable laws, rules, regulations or guidelines. 1.3. The Bank reserves the right to decide the type of SMS Alerts Service that shall be offered and may incorporate additional facilities including promotional Alerts. Subscription to such promotional Alerts shall be subject to the Customer’s consent.
1.4. The Bank may suspend or terminate the SMS Alerts Service without prior notice if the Customer has breached this Agreement stipulated under the present document or any other relevant document, if any, or if the Bank learns of the death, bankruptcy or lack of legal capacity of the Customer or other circumstances that may threaten the due execution or security of the said service. 1.5. The Bank shall not be liable in case the service is suspended or cancelled for any reason whatsoever. 1.6. The Bank, its Directors, Officers and Employees shall not be liable in any manner whatsoever for any loss, non-delivery, delayed delivery, distortion of the ALERT or prejudice arising out of or in any way connected with the usage of the SMS Alerts Service. 1.7. The Bank shall not send an alert again if ever the Customer has deleted the message by mistake. However, the Customer may personally call at the Bank to get any information about his Account(s).

2.1. The Customer should exercise due care when receiving information from the Bank on his mobile by ensuring that third parties do not have access to such information and/or by refraining from disclosing such information to third parties. It is advisable that the Customer deletes SMS Alerts he no longer requires in order to minimize the potential risk in case his mobile is stolen. 2.2. The Customer shall notify the Bank promptly on telephone number 208 9999 or send an email to [email protected] for any change in his designated mobile number or upon loss/theft of his mobile phone. If the notice is received within business hours the service will be stopped on the same day. However, if the notice is received after business hours, the service will be stopped on the next working day. 2.3. Customers may request for termination of the SMS Alerts Service any time by giving notice in writing or by sending an email to [email protected] . The service will be discontinued within 2 working days after receipt of such notice by the Bank. 2.4. The Customer acknowledges that his mobile number must be active and accessible in order to receive alerts. 2.5. The Customer acknowledges that some alerts will be generated as and when the particular event happens.

Mteja pia anakubali kwamba usahihi na wakati wa kutoa Huduma ya Arifa za SMS inategemea mambo mengi ikiwa ni pamoja na miundombinu na muunganisho wa mtoa huduma wa mawasiliano ya simu. Zaidi ya hayo, Benki haitoi uthibitisho kwamba Arifa zozote za SMS au sehemu yake hazitakuwa na maambukizo kutoka kwa virusi au uchafuzi mwingine mbaya; au huduma hizo zitasalia bila kukatizwa.

Arifa zote za SMS zinazotumwa na Benki kwa sasa zinatolewa bila malipo. Hata hivyo, ikiwa Mteja atatoa ombi kuhusu akaunti/zake kupitia SMS atatozwa malipo yoyote kulingana na ushuru wa SMS unaowekwa na opereta wake aliyemteua wa simu ya mkononi.

1.1. Expressions used in this Part VIII shall, unless the context otherwise requires, have the meanings assigned to them in Part 1. For the purposes of this Part VIII, the following definitions shall also apply: (a) “Business Day” means a day other than a Saturday, Sunday or public holiday in the Territories (or, in respect of a notice to be given in any other place, in that other place); 1.2. Except where the context otherwise requires, references in this Agreement to Bank One, in relation to Securities, shall be deemed to include any Nominee of Bank One. 1.3. This Agreement (referred to herein as the “Agreement”) together with any forms of mandate and authority for a Manager to act furnished by or on behalf of the Client to Bank One, constitutes the entire agreement and understanding of the parties, save as expressly agreed in writing by the parties for the purpose hereof.

Mteja anaidhinisha Benki ya Kwanza na Benki ya Kwanza itafungua na kuendesha Akaunti za Fedha na Utunzaji (kwa pamoja “Accounts”) kwa Mteja kwa njia ambayo inaweza kuhitajika na Mteja. Kwa maagizo kutoka kwa Mteja, Benki ya Kwanza itafungua au kufunga Akaunti za Mteja inavyofaa na marejeleo humu ya “Accounts”, “Cash Accounts” yatajumuisha Akaunti zote kama hizo zilizopo mara kwa mara.

Kwa kukosekana kwa maelekezo kinyume na mradi Benki ya Kwanza iko tayari kutoa huduma kama ilivyoainishwa katika Mkataba huu, Benki ya Kwanza imeidhinishwa na Mteja kufanya miamala ifuatayo kwa gharama za Mteja na kwa uamuzi wa Benki ya Kwanza kuhusiana na Dhamana. na/au pesa taslimu bila kuhitaji maelekezo zaidi kutoka kwa Mteja:-
(i). kukamilisha na kusaini hati za viapo, vyeti vya umiliki au vyeti vingine vinavyohusiana na Dhamana na/au fedha taslimu kuhusiana na majukumu ya Benki ya Kwanza chini ya Mkataba huu ambayo inaweza kuhitajika na mamlaka yoyote ya udhibiti;
(ii). kukusanya na kupokea, kwa akaunti ya Mteja, mapato yote na malipo mengine na mgawanyo kuhusiana na Dhamana na/au pesa taslimu, na kuweka mkopo huo huo kwa akaunti husika;
(iii). kupokea na kushikilia kwa ajili ya akaunti ya Mteja Dhamana zote zilizopokelewa na Benki ya Kwanza kwa sababu ya kuitwa au kukombolewa au kulipwa kwa njia nyinginezo na kuweka sawa kwenye akaunti husika;
(iv). kupokea na kushikilia kwa akaunti ya Mteja Dhamana zote zilizopokelewa na Benki ya Kwanza kama matokeo ya mgao wa hisa, mgawanyiko wa hisa au kupanga upya, mtaji wa akiba au vinginevyo;
(v). kubadilishana risiti za muda au za muda kwa vyeti vya uhakika, na vyeti vya zamani au vilivyopigwa kupita kiasi kwa vyeti vipya;
(vi). kufanya malipo ya pesa taslimu au malipo kwa ada yoyote, ushuru, ushuru, ushuru, gharama na/au malipo yoyote yanayofanywa kuhusiana na majukumu ya Benki ya Kwanza chini ya Makubaliano haya; na
(vii). kufanya vitendo vyote kama vile Benki ya Kwanza inaweza kuona kuwa ni muhimu au ya kuhitajika kwa yaliyo hapo juu au ili kutekeleza majukumu yake chini ya Makubaliano haya (ikiwa ni pamoja na kufanya ubadilishaji wowote wa sarafu kwa kiwango kilichopo kama ilivyoamuliwa na Bank One pale ambapo
malipo yanapokelewa au kufanywa kwa sarafu tofauti).

Bila kuathiri mamlaka iliyopewa Benki ya Kwanza hapo juu, Benki ya Kwanza ina mamlaka ya kufanya miamala yoyote inayohusiana na Dhamana na/au pesa taslimu baada ya kupokea maagizo mahususi, ikijumuisha maagizo ya kuwasilisha au kushughulikia Dhamana (kwa mfano kwa mujibu wa mauzo), au kulipa na/au kupokea Dhamana zilizonunuliwa na Mteja au Afisa wake Aliyeidhinishwa kwa niaba ya Mteja.

5.1. Bank One shall debit or credit the Client’s Cash Accounts in accordance with the Client’s Instructions and in order to perform its duties and functions as administrative custodian under the terms of this Agreement. 5.2. Without specific instructions from the Client but subject to instructions to the contrary, Bank One shall pay valid calls on partly paid Securities insofar as it is apparent on the face of any document held by or delivered to Bank One that such payment is due, but not otherwise. 5.3. Where Bank One has no instructions as to which Cash Accounts to credit or debit, it shall determine which Account shall be used and may, under advice to the Client, open a new Cash Account for the receipt of any sums if, in its view, existing Accounts are inappropriate for the purpose, but shall not be obliged to convert such sums into any other currency. 5.4. Bank One shall only be obliged to make any payment when, in the reasonable opinion of Bank One, there are sufficient cleared funds for the purpose standing to the credit of the Cash Account from which such payment is to be made or sufficient headroom exists above any current overdraft limit agreed in writing by Bank One, having regard to any other payments which have been or are to be debited to such Account. If Bank One makes a credit or debit before such receipt, Bank One may at any time reverse all or part of the credit or debit (including any interest thereon), make an appropriate entry to the Cash Account, and if it reasonably so decides, require repayment of any amount corresponding to any debit. Payments may be subject to periods of notice depending upon the currency and type of Account involved and will only be made if such payment is freely permissible under the laws and usages affecting such currency. 5.5. (a) Bank One is not obliged to make any debit to the Cash Account which might result in or increase a debit balance. Bank One may make any debit to the Cash Account even if this results in (or increases) a debit balance. If the total amount of debits to the Cash Account as any time would otherwise result in a debit balance or exceed the immediately available funds credited to the Cash Account. Bank One may decide which debits it will make (in accordance with the terms of this Agreement, then subject to notification the Client shall forthwith cause sufficient cleared funds to be placed in the relevant Cash Account to repay such overdraft or, in the event that an overdraft limit has been agreed, repay such amount as is necessary to bring the balance of such Cash Account within such limit. (b) During the period that any Cash Account is overdrawn, the Client shall, unless otherwise agreed, pay daily interest at the margin (referred to in Clause 10.1) above Bank One’s base lending rate to corporate clients in the applicable territory from time to time calculated on the balance of such Cash Account at the end of each day. Bank One may at any time cancel any extension of credit. (c) The Client will transfer to Bank One on closure of the Cash Account and otherwise on demand from Bank One sufficient immediately available funds to cover any extension of credit and any interest, fees and other amounts owed.

5.6. (a) Where the Client requests Bank One to undertake any foreign exchange transactions (“Contracts”), the Client undertakes to make delivery of any currency sold to Bank One and pay for any currency purchased from Bank One not later than the due date of the Contract. (b) The Client agrees that, if it has not given Bank One any disposal instructions in respect of any currency purchased under a Contract, then Bank One shall be entitled to hold such currency abroad in Bank One’s name on behalf of, and at the risk of, the Client. (c) In the event that the Client fails to fulfill any Contract at maturity, the Client authorizes Bank One, at its discretion, to terminate such Contract and debit any of the Client’s Cash Accounts with the costs and expenses involved. The Client shall bear the risk and expense associated with cash denominated in any currency.

Dhamana zote zilizowekwa kwa Bank One na Mteja na Dhamana zote zilizopatikana na Bank One kwa mujibu wa masharti ya Mkataba huu, zitashikiliwa na Bank One kwa Akaunti yoyote ya Utunzaji ambayo Mteja anaiarifu Bank One kuwa inafaa au kushindwa taarifa hiyo, kama Benki ya Kwanza itaamua.

7.1. Bank One shall take reasonable steps to ensure that all Securities held by it hereunder are kept in safekeeping pursuant to proper market practice so as to provide adequate evidence of the title thereto of the Client in accordance with the applicable laws of the Territory concerned. The Client confirms that it has authorized Bank One to hold Securities in fungible account or general dossier or otherwise so that the aggregate holding of the Client and/or other customers is held in one account or is evidenced by one
document of title (each a “Fungible Account”) but in each such case Bank One shall itself keep such records that at all times the interest of the Client in any such Securities is readily apparent and properly recorded. 7.2. (a) Bank One is hereby authorised:
(i). To maintain any or all of the Securities with any Depository selected by it;
(ii). To appoint Nominees and register any of the Securities in the name if any Nominee selected by it as a nominee holder of such Securities and/or to use the name and address of such Nominees for any purpose (including receipt of income and realizations) in connection with such Securities;
(iii). To hold Securities in bearer form or in non-certificated form and exchange Securities in temporary or bearer form for Securities in definitive or registered form;
(iv). Upon receipt of notification of a partial redemption, partial payment or other action affecting less than all Securities of a particular class, to select the Securities to be tendered in any manner customary in respect of any such selection; (v). To make, execute, acknowledge and deliver as agent, any and all documents or instruments (including but not limited to all declarations, affidavits and certificates of ownership) that may be necessary or appropriate to carry out the powers granted herein; (vi). To employ and consult with, and obtain advice from, suitable agents, including auditors and legal counsel or other advisers in respect of questions and issues relating to the Accounts, and Bank One shall incur no liability in acting in accordance with the reasonable advice and opinion of such agents or advisers; (vii). Deduct or withhold any sum on account of any tax; and (viii). Exercise all other rights and powers and to take any action it deems necessary in carrying out the purposes of this Agreement. (ix). To allow the Customer to have access to his custody account/s on the Internet Banking platform, via a link, which will appear once the Customer logs in; or on the custody client portal available on https://custody.bankone.mu . (b) Bank One confirms that where it uses, Nominees, its liability hereunder with regard to the Securities so maintained with or held in the name of such Nominees, shall be the same as if such Securities were maintained by Bank One or held in its name. In the case of Depositories and Other Entities, Bank One liability hereunder shall be limited to using all reasonable care and skill in the selection of such, Depository or Other Entity. 7.3.

(a) Bank One imeidhinishwa kuteua Walinzi Wadogo katika Eneo lolote na kusajili Dhamana zozote kwa jina la Wateja Wadogo waliochaguliwa nayo na/au kutumia Wateja Wadogo kwa madhumuni yoyote kuhusiana na huduma zitakazotolewa na Benki ya Kwanza kwa mujibu wake. (b) Mteja hufidia Benki ya Kwanza kuhusiana na gharama, ada au gharama zozote ambazo Mlezi huyo mdogo anaweza kutoza. (c) Benki ya Kwanza inathibitisha kwamba pale inapotumia Mlinzi Mdogo au wakala aliyeteuliwa, dhima yake hapa chini itapunguzwa kwa kutumia uangalifu na ustadi wote unaofaa katika uteuzi wa walinzi wadogo kama hao, isipokuwa kwamba Benki ya Kwanza hata hivyo haitakuwa na dhima kwa Mteja iwapo kuna ufilisi au malipo mengine ya kifedha ya Mlezi Mdogo 7.4. Benki ya Kwanza haitakuwa chini ya wajibu wa kumrudishia Mteja Dhamana sawa na zile zilizopokelewa na Benki ya Kwanza, iwe Dhamana hizo zinaweza kutambuliwa au la, lakini Benki ya Kwanza itakuwa chini ya wajibu wa kurejesha idadi sawa ya Dhamana itakuwa. ya daraja na aina sawa na zile Dhamana zilizopokelewa na Benki ya Kwanza.

8.1. Bank One shall receive and deliver or otherwise deal with Securities and cash as the Client may instruct save that such instructions shall only be valid if they are given in accordance with the provisions hereof and are sufficiently specific, unambiguous and complete to be acted upon by Bank One without reference to any document or thing other than the instructions themselves provided that, where applicable, Bank One holds sufficient freely-transferable securities of the relevant class for the Client.
Bank One and/or Sub-custodians shall determine in their reasonable discretion whether to accept (i) for custody in the Custody Account, Securities of any kind and (ii) for deposit in the Cash Account, cash in any currency, and shall in addition not be obliged to accept Securities under this Agreement which in their opinion are not in good deliverable form. Bank One is not responsible for errors or omissions made by the Client or resulting from fraud or the duplication of any Instruction by the Client, and Bank One may act on any Instruction by reference to an account number only, even if any account name is provided. 8.2. Nothing contained herein shall be construed as obliging Bank One to purchase, sell, lend or otherwise deal in Securities or to act otherwise than as a custodian thereof. Bank One is not obligated to credit Securities to the Custody account before receipt of such Securities by final settlement. 8.3. In the event that the Client instructs Bank One to settle the Client’s sale or other disposal of Securities or a purchase or other acquisition of Securities, Bank One shall (in the absence of express contrary Instructions) release or accept, as the case may be, the Securities against payment therefore or an undertaking to pay in accordance with proper market practice for the type of Securities involved and may use whichever systems it considers most appropriate to effect settlement. If Bank One has received
instructions that would result in the delivery of Securities exceeding credits to the Custody Account for that Security, Bank One may reject the instructions or may decide which deliveries it will make (in whole or in part and in the order it selects). 8.4. (a) Bank One shall and is hereby authorized to take any action which is necessary to comply with the provisions of any law, regulation or order in any Territory (including without limitation the rules of any stock exchange, Depository or settlement system) now or hereafter in force, which affects or purports to affect the performance by Bank One of its duties under this Agreement or which imposes, or purports to impose, on Bank One any duty or obligation to take or refrain from taking any action hereunder. Bank One shall not be required to take any action hereunder which is contrary to any such law, regulation, order or proper market practice or which might render it liable to any Person. (b) Bank One shall not be liable in respect of any loss or damage or failure to comply or delay in complying with any obligations hereunder which is caused directly or indirectly by the operation of, or Bank One’s compliance with, any such law, regulation or order. (c) The Client shall bear the risk and expense associated with investing in Securities denominated in any currency.

8.5. Bank One shall deliver to the Client or its agent nominated in writing:
(a) as soon as reasonably possible after receipt, details of all letters, notices, circulars, reports and announcements (“Circulars”) specifically delivered to Bank One by reason of its holding of Securities, and
(b) on such terms as may be agreed between the parties, periodic statements of account and reports showing the Securities held, contracts entered into and other information as may be agreed. The Client shall examine each statement sent by Bank One and notify the Client in writing within thirty (30) days of the date of such statement of any discrepancy between Instructions given by the Client and the position shown on the statement and of any other errors known to the Client. In the absence of such notification, Bank One’s liability for any loss or damage in regard to such discrepancy or errors shall not accrue beyond such thirty (30) days. 8.6. In the event that, as a result of a Circular referred to in Clause 8.5, a decision is required to be made by the Client and, in connection therewith, Bank One requires instructions, then:
(a) Bank One will advise the Client of the details of such Circular together with the date (the “Instruction date”) by when such instructions in connection therewith should be received by Bank One.
(b) in the absence of Bank One receiving the required instructions by the instruction date:
(i). Bank One will be under no obligation to take any action in respect of such Circulars or have any responsibility for any consequences of Bank One taking no such action including, without limitation, any steps taken by any Person to comply with local regulations or market practice. (ii). Bank One will use all reasonable endeavours to act upon instructions after the instruction date but any such action will be without responsibility on the part of Bank One for any loss which the Client may sustain as a result of such instructions having been received by Bank One after the instruction date. (c) If so instructed, Bank One shall execute and deliver such powers of attorney or proxies as may reasonably by required appointing such attorneys or proxies to exercise any rights (including rights of voting) conferred by any Security. (d) Fractional positions resulting from corporate action will be dealt with in accordance with the normal policies and market practices in the Territory concerned. 8.7. Bank One shall collect and receive:
(a) Client and interest, cash dividends, and realization, redemption and maturity proceeds in relation to Securities and credit the relevant Cash Account (s) accordingly. (b) stock dividends and other securities accruing from Securities and deal with them in accordance with Clause 6; And shall, in connection with the foregoing, execute ownership and other certificates and affidavits for all fiscal and tax purposes from time to time required in connection with the collection of bonds and note coupons, and pay in connection therewith and do all things necessary or proper in connection with the collection of such income, and without detracting from the generality of the foregoing Bank One shall:
(i). present for payment all coupons and other income payments requiring presentation;
(ii).

toa kwa malipo Dhamana zote ambazo zinaweza kukomaa au kuitwa au zinazoweza kulipwa.
Isipokuwa katika kesi ya kutofaulu kimakusudi au uzembe kwa upande wake, hakuna chochote katika Kifungu hiki kitakachoifanya Benki ya Kwanza kuwajibika kwa kushindwa kwa Mtu yeyote kulipa au kutuma kiasi chochote au Dhamana zinazorejelewa humu. 8.8. Bank One itaruhusu kampuni inayotambulika kitaifa ya wakaguzi walioteuliwa na Afisa Aliyeidhinishwa wa Mteja kukagua vitabu, rekodi na taarifa zake zinazohusiana na Akaunti za Mteja kwa niaba ya Mteja kwa nyakati zinazofaa (lakini bila kujumuisha vitabu, rekodi na taarifa kama hizo. Benki ya Kwanza ambayo inahusiana kwa ujumla na shughuli zake yenyewe au wateja wengine, kuhusu yaliyomo ambayo Mteja atafanya, inapohitajika, pokea cheti cha Bank One). 8.9. Benki ya Kwanza imeidhinishwa bila marejeleo zaidi kwa Mteja lakini chini ya maagizo yoyote ya wazi kinyume kutoka kwa Mteja kwa vyovyote vile kutekeleza majukumu ya kiutawala ya hali isiyo ya hiari ikijumuisha, lakini sio tu, kubadilishana vyeti wakati uso, thamani ya kawaida au sawa au jina lingine la aina yoyote hurekebishwa na kutia sahihi na kutoa hati yoyote inayohitajika ili kukamilisha uuzaji, uwasilishaji, ununuzi au usajili wa Dhamana. 8.10. Pale ambapo mamlaka yoyote yanatolewa kwa Bank One chini ya Bank One inaweza tu kutenda na afisa yeyote aliyeidhinishwa ipasavyo, mkurugenzi au mfanyakazi.

9.1. (a) Where applicable, the Client shall appoint individuals as Authorised Officers who are authorised to give instructions or notifications on its behalf hereunder. Instructions are to be given in the English language. (b) The Client confirms that is will advise Bank One of the persons appointed as Managers for the purposes hereof and further confirms that such Manager(s) may appoint individuals as Authorised Officers who may act in all matters relating to and on behalf of the Client in connection with our as specified in this Agreement and authorises Bank One to honour and comply with all Instructions and notifications related thereto save for the purposes of Clauses 10, 16, 19 and 20. 9.2. Officers of the Client and any Manager, appointed in accordance with clause 9.1, shall have their names and specimen signatures furnished to Bank One by a form of mandate acceptable to Bank One. Bank One shall be entitled to rely on the actual or purported signature of any Authorised Officer so appointed until (notwithstanding Clause 18) it actually receives notice signed or purporting to be signed in accordance with such mandate of the Client or the Manager (as the case may be) that such Authorised Officer prior to receipt of such notice, act in all respects as if such notice had not been received. Any additions to the lists of Authorised Officers shall be confirmed in writing and in accordance with such mandate by existing Authorised Officers of the Client or the Manager, as the case may be. 9.3. Bank One shall be entitled to accept any Instructions or notifications given or signed or purporting to be given or signed by any Authorised Officer(s) of the Client or the Manager, as the case may be, as having been duly given by the Client except as provided in Clause 9.1(b). References herein to instructions being given by the Client shall be construed accordingly. All instructions shall, if so required under the applicable laws of any Territory or Depository rules and regulations, take the form of a standing instruction or an authorizing instruction. 9.4. The Client undertakes not to stop, countermand, restrain or seek to restrain or otherwise interfere with any arrangements, instructions or authority under which Bank One either generally or in respect of any one or more specific transactions, is bound to receive a payment for Securities or has otherwise entered into a commitment regarding Securities or cash. 9.5. (a) Where the Client gives instructions or purported instructions in writing, Bank One shall only be obliged to take action upon actual receipt of such instructions. Bank One is not responsible for errors or omissions made by the Client or resulting from fraud on the duplication of any instruction by the Client, and Bank One may act on any instruction by reference to an account number only, even if any account name is provided. (b) Where Bank One receives instructions or purported instructions, pursuant to this Agreement by telephone, telex, facsimile
equipment, SWIFT, e-mail or any other electronic means, Bank One shall be entitled to rely on such instructions actual or otherwise provided the Person giving such instruction is or purports to be an Authorised Officer. (c) Instructions given by telephone or facsimile equipment shall be confirmed in writing as soon as possible.

Benki ya Kwanza, hata hivyo, itakuwa na haki ya kuchukua hatua kwa maagizo kama uthibitisho kama huo umepokelewa au la. Benki ya Kwanza haitawajibika kwa Mteja, na Mteja anakubali kwamba itaifidia Benki ya Kwanza (i) dhidi ya hasara yoyote iliyosababishwa kwa Mteja au Mtu mwingine yeyote kwa kuchukua au kukataa kuchukua hatua yoyote kwa mujibu wa hii inasubiri kupokelewa kwa maandishi. uthibitisho wa maagizo kama yalivyowekwa
juu au kwa ukiukwaji wowote, ucheleweshaji, makosa, hitilafu ya telegrafia, upungufu au tafsiri isiyo sahihi inayoweza kutokea; na (ii) dhidi ya hatua zote, kesi, dhima, madai, uharibifu, gharama, hasara na gharama zilizopatikana au zilizopatikana kuhusiana na Benki ya Kwanza inayotekeleza maagizo yoyote yaliyopokelewa kwa mujibu wa Makubaliano haya; na (iii) inaidhinisha Benki ya Kwanza kutoza Akaunti husika mara moja pamoja na kiasi chote kilicholipwa na Benki ya Kwanza kwa mujibu wa maagizo hayo, na kuweka akiba kwenye akaunti ya Mteja kwa kiasi chochote cha fedha, riba ya pesa, gharama, gharama. na gharama ambazo Benki ya Kwanza inaweza kuingia kutokana na matokeo yake
kuzingatia maagizo hayo. (d) Pale ambapo Mteja anaiomba Benki ya Kwanza kutoa ufunguo wa simu (“Ufunguo”) kwa Mteja au Meneja kwa ajili ya uthibitishaji wa maagizo, Mteja anathibitisha kwamba atawajibika kwa uhifadhi wa Ufunguo huo (kama unashikiliwa na Mteja au Msimamizi) na kwamba tahadhari za kutosha zitachukuliwa ili kulinda Ufunguo dhidi ya hasara au masharti yake kujulikana kwa Mtu yeyote asiyehusika moja kwa moja na matumizi yake. (e) Benki ya Kwanza itatekeleza maagizo ndani ya muda unaotumika tu wa kukatwa kwa muda katika siku za benki wakati Bank One na masoko ya fedha husika yanafunguliwa kwa ajili ya biashara katika Maeneo. (f) Katika baadhi ya masoko ya dhamana, uwasilishaji wa dhamana na malipo kwa hivyo hayawezi kufanywa au yasifanyike kimila kwa wakati mmoja. Ipasavyo, bila kujali maagizo ya Benki ya Kwanza ya kutoa Dhamana dhidi ya malipo au uwasilishaji, Benki ya Kwanza inaweza kufanya au kukubali malipo ya au kuwasilisha Dhamana kwa wakati huo na kwa namna na namna ambayo ni kwa mujibu wa sheria na desturi za eneo husika au na forodha. uliopo katika soko husika.

10.1. The Client shall pay Bank One (without any deduction) such remuneration, fees/commissions (the “Fee”) for its services pursuant to this Agreement at such rates and on such terms as are agreed between Bank One and the Client from time to time. The parties shall also agree an interest rate margin for the purpose of Clause 5.5. The fee and such interest rate shall be reviewed from time to time at the request of either party. 10.2. If any applicable law requires a deduction to be made to any payment, the Client shall pay such further sum to Bank One so that Bank One would ultimately receive an amount equal to that it would have received had no such deduction been made.The Client shall reimburse Bank One for all Taxes and out of pocket expenses (including inter alia calls paid pursuant to Clause 5.2, registration fees, Taxes (including VAT), professional and accounting fees, charges for telex, facsimile transmission, airmail, fares and expenditure incurred in respect of appointments or engagements made pursuant to Clause 7.2) incurred in the performance of its duties under this Agreement (including upon its termination). Without giving notice to the Client, Bank One shall be entitled to debit the Client’s cash account in respect of such Taxes, expenses and interest charges due. The Client agrees to pay interest at Bank One’s prevailing rate on any sum owed but not paid by the Client on the due date of payment. 10.3. Where Bank One considers that it is likely to incur such Taxes or expenses, which it considers substantial, it shall be entitled to require that it is paid in advance by the Client in respect thereof.
10.4. Bank One shall have a lien or security right on the Cash or Securities in relation to remuneration, fees, charges and expenses.

Benki ya Kwanza haitazuia au kudai kuzuia uhamishaji wa umiliki wa manufaa wa , wala kuwa na au kutoa au kutoa ruzuku ya kutoa, rehani yoyote, malipo, deni au riba nyingine ya usalama juu ya, Dhamana yoyote au salio la mkopo katika Akaunti za Fedha, isipokuwa kwa vikwazo au maslahi hayo yanayotokana na uendeshaji wa sheria au, kusubiri malipo yake, kuhusiana na kiasi chochote ipasavyo kutokana na Benki ya Kwanza chini ya Mkataba huu au kwa wahusika wengine kuhusiana na hatua zinazotekelezwa ipasavyo kwa mujibu wa Mkataba huu au malipo au majukumu yoyote yaliyowekwa ipasavyo na wahusika wengine au mtoaji wa Dhamana husika. Kwa kiwango kinachoruhusiwa na sheria inayotumika na pamoja na masuluhisho mengine yoyote yanayopatikana kwa Bank One chini ya sheria inayotumika, Bank One inaweza, bila taarifa ya awali kwa Mteja, weka wajibu wowote wa malipo unaodaiwa na Mteja kuhusiana na madeni yote yanayotokana na Mkataba huu dhidi ya wajibu wowote wa malipo unaodaiwa na Mteja chini ya Mkataba huu bila kujali mahali pa malipo au sarafu ya wajibu wowote (na kwa madhumuni hayo inaweza kufanya ubadilishaji wowote wa sarafu muhimu).

12.1. The Client represents warrants and undertakes to Bank One that: (a) it has full power and authority to enter into this Agreement; (b) in relation to all of the Securities it has power and authority to appoint Bank One as administrative custodian and to delegate to Bank One the physical possession and control of such Securities on the terms hereof; (c) the entry into this Agreement and the proper performance by the Client of its duties and exercise of its rights hereunder will not give rise to the breach of any contract, trust or other legal obligation at any time binding, or any law (howsoever described) at the date hereof binding, on the Client; (d) under its constitution it has power to borrow moneys for the purpose of financing the purchase and acquisition of Securities; (e) all of the Securities have been purchased or are held on terms authorizing Bank One to receive and deliver or otherwise deal with them free of all charges and encumbrances (monetary and otherwise) and free from all rights exercisable by third parties (other than those exercisable by any Depository with which they are maintained or Nominee in whose name they are registered); (f) if its acts on behalf of others it has established and presently maintains policies and procedures which require the Client to obtain and verify information about the identity of each such other persons and which are reasonably designed to ensure that the Client is not being used by any such other person as a conduit for money laundering or other illegal or illicit purposes; (g) it shall be bound by the applicable laws of the Territories and the Depository rules and regulations insofar as same are applicable law of the Territories and the Depository rules and regulations; (h) it shall disclose to Bank One information about a beneficial, limited or other interest in Securities deposited by it with Bank One in terms of the applicable law of the Territories and the Depository rules and regulations; (i) in case of a conflict between the provisions of any applicable law in any Territory, the Depository rules and regulations and this Agreement, then to the extent of such conflict, the provisions of the former shall prevail; (j) it shall always indicate to Bank One whether the Securities held or to be held are to be registered in its own name or in the name of an approved Nominee. 12.2. Bank One represents and warrants to the Client that it has full power and authority to enter into this Agreement and to perform its duties hereunder and that there exists at the date hereof no contract or trust binding on Bank One, nor to its knowledge any law, the performance or observance of which would prevent or hinder the performance of such duties.

13.1. Bank One shall use reasonable care in the performance of its duties under this Agreement. 13.2. Upon receipt of each transaction advice, statement of account or report supplied to it by Bank One, the Client or its Authorised Person shall examine the same and promptly notify Bank One of any error therein, within thirty (30) days of receipt of such advice, statement or report. 13.3. Bank One’s sole responsibility with regard to the sale proceeds of the Securities is to receive payment whether by way of cheque, custodian draft or any other form, of such proceeds from the purchaser (or its agent), broker or any other party provided that Bank One shall not be liable to the Client in any way if such payment to Bank One is not honoured by the banker upon whom that payment is drawn or otherwise is not good, timely or valid. Bank One may make delivery of the Securities either contemporaneously with or before the receipt of such payment or purported payment in accordance with local settlement procedures. 13.4. All collections of the Securities and/or cash and of any funds or other property paid or distributed in respect of the Securities and/or cash are made at the risk of the Client and Bank One is entitled to make payment prior to delivery of Securities in accordance with local settlement procedures and shall not be responsible for the seller’s (or its agent’s), broker’s or any other party’s failure to make good, valid or timely delivery of any Securities and/or Cash nor for the genuineness, validity or title of any documents received in relation to the Securities and/or cash. 13.5. Bank One or its agents, as the case may be, may (but without being under any obligation) institute or defend legal proceedings, or take or defend any other action arising out of or in connection with the Securities and/or cash provided that the Client indemnifies Bank One against any reasonable costs, charges and expenses arising from such proceedings or other action. 13.6. The Client shall be responsible for all filings, tax returns and reports on any transactions undertaken pursuant to this Agreement which must be made to any relevant authority whether governmental or otherwise, the payment of all unpaid calls, taxes, imposts, levies or duties due on any principal or interest, and/or any other liability or payment arising out of in connection with the Securities and/or cash.
Bank One may in its sole discretion assist the Client in any tax matters; including any application for any reduce rate or refund of tax. Bank One gives no assurance that such assistance will result in relief at source, refund of tax or other intended consequences, and may in its sole discretion without liability withdraw such assistance at any time (notwithstanding any pending application). 13.7. Bank One is entitled at its discretion to reverse incorrect credit entries to any accounts (including where an entry was made in anticipation of receipt of funds/assets which receipt was however not fulfilled). 13.8. Bank One shall not have any duty to monitor the compliance by the Client or its Authorised Person or its customers/agents with any guideline or restriction imposed by the Client’s constitutional documents or by any other document, law or regulation (including compliance with any investment restriction and any notification requirement relating to the Client’s or its customers’/ agents’ beneficial ownership of securities). 13.9.

Bank One inaweza kutegemea kwa nia njema ushauri rasmi wa wakili wa kisheria au mtaalamu mwingine. 13.10. Bank One haitakuwa na dhima yoyote kuhusiana na utegemezi wake kwa nia njema kwenye rekodi ambazo zilidumishwa kwa Mteja na upande mwingine kabla ya uteuzi wa Bank One’s hapa chini. 13.11. Pale ambapo Bank One inatoa thamani za soko za dhamana, Bank One inaweza kupata taarifa kuhusu thamani hizo kutoka vyanzo vya nje ambazo Bank One inaziona kuwa za kuaminika na Bank One haitoi dhamana ya kutegemewa, usahihi au ukamilifu wa taarifa hizo. 13.12. Iwapo mali yoyote inayoshikiliwa na Benki ya Kwanza itaambatanishwa, kupambwa au kutozwa chini ya amri yoyote ya mahakama, au ikiwa uwasilishaji wa mali hiyo utasitishwa au kuamriwa na amri yoyote ya mahakama, au ikiwa amri yoyote ya mahakama, hukumu au amri itatolewa au kuingizwa kuathiri mali hiyo au kuathiri kitendo chochote cha Benki ya Kwanza, Benki ya Kwanza inaweza, kwa hiari yake pekee, kutii na kutii hati, amri, hukumu au amri zote zilizoingizwa au kutolewa, iwe na au bila mamlaka, bila kujali kifungu chochote cha Makubaliano ya Ulinzi kinyume chake. Iwapo Benki ya Kwanza itatii na kutii hati, amri, hukumu au amri zozote kama hizo, haitawajibika kwa mzushi wa upande wowote au kwa mtu mwingine yeyote, kampuni au shirika, kwa sababu ya kufuata huko, licha ya kwamba hati, amri kama hizo, hukumu au amri zinaweza kubatilishwa baadaye, kurekebishwa, kubatilishwa, kuwekwa kando au kuachwa. 13.13. Ili kuepusha shaka, majukumu ya Benki ya One’s (ya uaminifu au vinginevyo) kama mlinzi wa utawala wa Mteja kuhusiana na Dhamana yatapunguzwa kwa utendakazi wa Benki Moja ya majukumu na kazi zinazofanywa nayo waziwazi katika Mkataba huu. Mteja anaelewa na kukubali kwamba utendaji wa Benki ya Kwanza wa Mkataba huu unategemea sheria, kanuni, amri, maagizo na sheria za serikali husika, na sheria, taratibu za uendeshaji na desturi za soko lolote la hisa husika Hifadhi au soko ambapo au kupitia ambayo Maagizo yatatekelezwa na ambayo Benki ya Kwanza iko chini yake na kama ilivyo katika nchi ambayo Dhamana au pesa taslimu zinashikiliwa. 13.14. Bank One itatumia uangalifu unaofaa katika kupokea Dhamana lakini haitoi kibali au kuhakikisha fomu, uhalisi, thamani au uhalali wa Usalama wowote unaopokelewa na Bank One. Ikiwa Bank One itafahamu kasoro yoyote katika hatimiliki au kughushi Usalama wowote, Bank One itamjulisha Mteja mara moja.

14.1. The Client hereby undertakes to hold harmless and indemnify Bank One or procure Bank One to be held harmless and indemnified against all actions, proceedings, claims and demands and costs and expenses incidental thereto which may be brought against, suffered or incurred by Bank One by reason of its performance of its duties under the terms of this Agreement including but without limitation all legal, professional and other expenses incurred except such as shall arise from a breach of the terms of this Agreement or as the result of the negligence, wilful default or fraud of Bank One whether such claim shall arise or be notified to either party hereto before or after the date of termination of this Agreement; in the event of such negligence or wilful default the liability of Bank One in connection with the loss or damage will not exceed (i) the lesser of replacement of any Securities or the market value of the Securities to which such loss or damage relates at the time the Client reasonably should have been aware of such negligence or wilful misconduct and (ii) replacement of cash, plus (iii) compensatory interest up to that time at the rate applicable to the base currency of the Cash Account. Under no circumstances will Bank One be liable to the Client for consequential loss, damage or indirect loss , even if advised of the possibility of such loss or damage. 14.2. The disclosure by the Client to Bank One that the Client has entered into this Agreement as the agent or representative of another person shall not relieve the Client of any of its obligation under this Agreement. 14.3. Bank One shall not be required to take any legal action in connection with the performance of its duties hereunder or on behalf of the Client which is contrary to the interest or policy of Bank One provided that nothing herein shall prevent the Client from taking any legal action and joining Bank One as a party thereto. 14.4. The Client acknowledges and agrees that when held in any Depository or transferred through any settlement system, Securities shall be held, or as the case may be, transferred subject to and in accordance with the rules and procedures of such Depository or settlement system and that Bank One will be not be liable to the Client or any other Person in respect of any negligence, default, failure or delay of any depository, clearing system, securities registration body or securities registrar (or similar party) and any losses arising therefrom (including non-receipt of bonus, dividends and any rights). 14.5. Bank One is not acting under this Agreement as investment manager or investment adviser to the Client, responsibility for the selection, acquisition and disposal of the Securities and/or Cash shall remain with the Client or its Authorised Person at all times, and Bank One does not have any obligation to supervise the issuer of the Securities. 14.6. Bank One shall not be bound to return identical securities lodged. The Client or its Authorised Officer shall accept securities of the same class and type in place of the securities deposited. 14.7.

Kuhusiana na majukumu na wajibu wa Benki ya One’ chini ya Mkataba huu, Benki ya Kwanza haitawajibishwa au kuhusiana na hasara au uharibifu wowote au kushindwa kutii au kuchelewesha kutii wajibu wake hapa chini ambao unasababishwa moja kwa moja au kwa njia isiyo ya moja kwa moja na nguvu kubwa, kitendo cha Mungu, vita au hatua nyingine za kijeshi, machafuko ya kisiasa, hatua za serikali, kitendo cha ugaidi, kususia, vikwazo au aina nyingine ya vikwazo, mgomo au migogoro mingine ya viwanda, moto, mafuriko, tetemeko la ardhi au aina nyingine ya maafa ya asili, hali mbaya ya hali ya hewa, mlipuko, kushindwa kwa mfumo wa mawasiliano, kushindwa kwa mtoa huduma au sababu nyingine yoyote, tukio au hali yoyote (ikiwa ni pamoja na lakini sio tu kwa utendakazi wowote au utendakazi usio kamili wa mfumo wowote wa makazi) zaidi ya udhibiti unaofaa wa Benki ya One’s. Isipokuwa kama ilivyoonyeshwa hapa, Bank One haiwajibikii vitendo, kuachwa, kutolipa au ufilisi wa mtu mwingine yeyote ikijumuisha, lakini sio tu, wakala yeyote, mshirika au watoa Dhamana. 14.8. Benki ya Kwanza haitawajibika kwa: (a) kuangalia hatimiliki au haki ya, uhalali au ukweli wa mali yoyote au ushahidi wa hatimiliki ya mali iliyopokelewa chini ya Mkataba huu au kuweka thamani ya Dhamana zozote wakati wowote au kama bei italipwa au thamani inayohusishwa na Dhamana yoyote ni sahihi au inafaa; (b) kuangalia kama shughuli yoyote ambayo imeagizwa kutekeleza au la inaafikiana na sera yoyote ya uwekezaji au kikomo kwa muda unaoanzishwa kwa Mteja (iwe sera au kikomo kama hicho kimewekwa au kimechapishwa kwa njia yoyote); (c) usahihi wa taarifa yoyote iliyotolewa na wahusika wengine kwa Benki ya Kwanza ikijumuisha, lakini sio tu, Waraka (kama ilivyofafanuliwa katika Kifungu cha 8.5), thamani za Dhamana na maelezo ya gawio au mapato mengine; na (d) hasara yoyote anayopata Mteja inayotokana na uhamishaji wowote ghushi wa Usalama isipokuwa ughushi huo ni matokeo ya ulaghai wa Benki ya Kwanza.

Katika tukio ambalo Mteja anaomba Bank One kutoa huduma ya usaidizi wa kodi na Bank One inakubali kutoa huduma hiyo, basi:
(a) Benki ya Kwanza itatuma maombi ya msamaha unaofaa wa kodi (ama kwa njia ya viwango vya kodi vilivyopunguzwa wakati wa malipo yoyote ya mapato au urejeshaji wa kodi ya awali) katika masoko fulani kama ilivyokubaliwa mara kwa mara. (b) Bank One itampa Mteja hati na taarifa kama inavyohitajika (na inapatikana kwa Bank One) ili kupata au kuthibitisha msamaha wa kodi unaorejelewa katika Kifungu kidogo cha 15 (a) hapo juu. Bank One inajitolea kutuma maombi yote ya msamaha wa kodi ndani ya muda wowote wa kisheria uliowekwa katika eneo lolote la mamlaka isipokuwa pale ambapo Bank One imezuiwa kufanya hivyo kwa sababu zilizo nje ya udhibiti wake (ikiwa ni pamoja na lakini sio tu, kushindwa kwa Mteja kurejesha, kusambaza. au uthibitishe hati au taarifa yoyote inayohitajika kuhusiana na maombi hayo). (c) Licha ya Vifungu Vidogo vya 15 (a) na 15 (b) hapo juu, Mteja ataendelea kuwajibika kwa masuala yake ya kodi na Benki ya Kwanza haitachukuliwa kuwa inafanya kazi kwa njia yoyote katika nafasi ya ushauri wa kodi kwa Mteja. (d) Mteja anaidhinisha kwamba taarifa na hati zote zinazotolewa kwa Bank One kwa madhumuni ya Kifungu hiki cha 15 zitakuwa sahihi na kamili.

16.1. This Agreement shall commence on the date set forth at the head of this Agreement and shall continue until terminated in accordance with the provisions of this Clause. 16.2. Either party hereto may terminate this Agreement by giving to the other not less than 30 days’ prior written notice, or such shorter notice if prescribed in terms of applicable law in any Territory, without being under any obligation to assign the reason thereof. 16.3. Within 30 days following receipt or deemed receipt of a notice of termination the Client will give written instructions to Bank One of the address to which all Securities should be delivered and the accounts to which all credit balances on the Cash accounts shall be paid. 16.4. In the event of any failure by the Client to designate an address or account in accordance with clause 16.3 above, Bank One shall deliver the Securities and cheques for the credit balances on the Cash accounts to the Client at its address set forth at the head of this Agreement or, if the Client no longer has offices there, and is a corporate body, to the registered office of the Client.
16.5. Until such delivery, all other provisions of this Agreement shall continue to apply notwithstanding the termination hereof. 16.6. The Client and Bank One each irrevocably waives, with respect to itself and its revenues and assets, all immunity on the grounds of sovereignty or similar grounds in respect of its obligations under this Agreement.

17.1. (i) For the purposes of the present Agreement, “Confidential Information” refers to any data, information and/or material disclosed or furnished by either party (“Disclosing Party”) to the other party (“Receiving Party”) prior to, concurrent with and following the signature of this Agreement, whether orally, in writing, in electronic form or otherwise, regardless of whether they are marked as being ‘confidential’ or otherwise. (ii) “Confidential Information” includes, but is not limited to: (a) Any data and/or information and/or material, disclosed or furnished by the Disclosing Party to the Receiving Party, pertaining to the business, system, service, technology, operation, processes, plans of such Disclosing Party; (b) Any data and/or information and/or material, disclosed or furnished by the Disclosing Party to the Receiving Party, and relevant to the system of management, the specification of operation, marketing of technologies, strategy of competition, sales estimates, strategy of price, sales promotion, projections, financials, performance results of such Disclosing Party; (c) The services, subject matter of this Agreement; and (d) Any data and/or information and/or material marked as being of a confidential or proprietary nature for the Disclosing Party. 17.2. The Receiving Party shall use the Disclosing Party’s Confidential Information exclusively for the purpose of this Agreement, any deviation from such purpose requiring the prior written consent of the duly authorised representative/s of the Disclosing Party unless done pursuant to a prior written agreement between the parties. 17.3. The Receiving Party shall, at all times, keep the Disclosing Party’s Confidential Information in strict confidence, and shall not, without the prior written consent of the Disclosing Party, disclose the Confidential Information, in whole or in part, in any manner whatsoever, except as expressly authorised under this Agreement. 17.4. Bank One shall use all reasonable efforts to ensure that the organization of the department carrying out its duties hereunder is such that knowledge of the Client’s investment policy in relation to Securities, indicated by the amount of the Securities in particular categories and the level and timing of purchase, sales and redemptions of Securities and types of Securities is not available to officers and departments of Bank One concerned with trading in securities, nor to third parties. 17.5. Notwithstanding the provisions of Clause 17.4, certain officers in such department may act in a similar capacity to that hereunder for other customers but is such event shall not disclose or make available such knowledge to any such other customer.

Notisi yoyote, ombi, mahitaji, idhini, idhini au mawasiliano mengine yanayohitajika chini ya Mkataba huu yatakuwa kwa maandishi na kuwasilishwa kwa mkono, kutumwa kwa faksi au kutumwa kwa chapisho lililorekodiwa kwa anwani ya ofisi iliyosajiliwa ya mhusika anayepokea. Mabadiliko yoyote katika anwani yatawasilishwa kulingana na utaratibu uliowekwa chini ya kifungu kilichopo.

19.1. The Client may not transfer or assign (whether by way of security interest or otherwise) any of this rights and obligations under this Agreement to any Person without the written agreement of Bank One, which will not be unreasonably withheld. However, this Agreement shall inure to the benefit and be enforceable by the representatives, successors, heirs and assigns of the parties hereunder. 19.2. In the event that the Client acts as a trustee for the purposes of this Agreement, then, notwithstanding Clause 19.1, the Client may assign this Agreement upon a change of trustee to the new trustee and Bank One’s consent shall not be required for any such assignment.

Sambamba na marekebisho yoyote yatakayoletwa kwa sheria zinazotumika, Benki ya Kwanza inahifadhi haki ya kubadilisha masharti ya Mkataba huu ambayo yanajumuisha Mkataba huu au maagizo mengine yaliyoandikwa ambayo yametolewa au yanaweza kutolewa na Benki ya Kwanza chini ya taarifa kwa Mteja wa sheria hizo. tofauti kwa njia kama vile Benki ya Kwanza itaona inafaa. Tofauti yoyote kama hiyo itakuwa na ufanisi juu ya arifa kama hiyo.
Vinginevyo, marekebisho yoyote ya Mkataba huu yanategemea kibali kwa maandishi na pande zote mbili. Sambamba na marekebisho yoyote yatakayoletwa kwa sheria zinazotumika, Bank One inahifadhi haki ya kubadilisha masharti ya Mkataba huu ambayo yanajumuisha Makubaliano haya au maagizo mengine yaliyoandikwa ambayo yametolewa au yanaweza kutolewa na Bank One chini ya taarifa kwa Mteja kuhusu tofauti hizo kwa njia ambazo Bank One itaona inafaa. Tofauti yoyote kama hiyo itakuwa na ufanisi juu ya arifa kama hiyo.
Vinginevyo, marekebisho yoyote ya Mkataba huu yanategemea idhini kwa maandishi na pande zote mbili.

Inapobidi, Mteja atatekeleza mamlaka au mamlaka hayo ya wakili kwa ajili ya Benki ya Kwanza katika fomu kama inavyotakiwa na Benki ya Kwanza na Benki ya Kwanza hatalazimika kuendelea na maagizo yoyote hadi atakapopokea mamlaka inayohitajika kutekelezwa na/au kuthibitishwa. au uwezo wa wakili. Iwapo mamlaka na uwezo wa wakili uliotajwa utapatikana, utawekwa kwenye Mkataba

Iwapo Benki ya Kwanza itazuiwa au kuwekewa vikwazo moja kwa moja au kwa njia isiyo ya moja kwa moja kutekeleza majukumu yake yote au yoyote chini ya Mkataba huu kwa sababu yoyote zaidi ya udhibiti wake unaofaa (ikiwa ni pamoja na, bila vikwazo, machafuko ya kazi (migomo au kufungiwa nje), matendo ya Mungu, kiraia. ghasia, ghasia, ghasia, uasi, vitendo vya serikali, moto, mlipuko, vipengele, magonjwa ya mlipuko, vikwazo vya serikali au kama sababu ,itaondolewa majukumu yake hapa chini katika kipindi cha matukio kama haya na haitawajibika kwa ucheleweshaji wowote au kutofaulu katika utekelezaji wa majukumu yoyote chini ya hapo au hasara au uharibifu wa jumla, maalum au matokeo ambayo Mteja anaweza kuteseka kwa sababu au matokeo. kutokana na kuchelewa au kushindwa vile; imetolewa kila mara kwamba inatoa notisi ya maandishi ya tukio linalojumuisha nguvu kubwa ndani ya saa 24 (ishirini na nne).

Huduma za Mkataba huu hapa chini hazipaswi kuchukuliwa kuwa za kipekee na Benki ya Kwanza itakuwa huru kutoa huduma zinazofanana kwa wengine kwa masharti ambayo yanaweza kupangwa mradi hata hivyo masharti ya Mkataba huu hayajakiukwa na kubaki kwa matumizi yake yenyewe na. ada za faida au pesa zingine zinazolipwa kwa hivyo na Benki ya Kwanza haitachukuliwa kuwa imeathiriwa na notisi ya au kuwa chini ya wajibu wowote wa kufichua kwa Mteja ukweli au jambo lolote ambalo linaweza kutambuliwa au mfanyakazi wake yeyote wakati wa Benki ya Kwanza inayotoa huduma sawa na wengine au katika shughuli zake katika nafasi nyingine yoyote. au kwa namna yoyote ile vinginevyo isipokuwa katika kutekeleza majukumu yake hapa chini.

24.1. The Client hereby authorises Bank One to disclose information and/or transfer data regarding the Custody Account, and/or this Agreement if required or permitted to do so by: –
(i). any applicable law or other regulation of or by any court order or similar process enforceable in any relevant jurisdiction;
(ii). any regulatory body, self-regulatory entity, clearing system/company or depository (whether of a governmental nature or otherwise) in any relevant jurisdiction;
(iii). any department or agency of government in any relevant jurisdiction;
(iv). the issuers of the Securities or the securities registrars.
24.2. The Client agrees and consents to Bank One complying with any money laundering legislation in any Territory. To that effect Bank One are permitted by the Client to report to the authorities any suspicious and unusual transactions involving the proceeds of unlawful activities, or any enquiries made in connection with such transactions.

Hakuna kushindwa kutekeleza na hakuna kucheleweshwa kwa kutumia haki, mamlaka au upendeleo wowote chini ya Mkataba huu kutafanya kazi kama msamaha wake wala utekelezaji wowote au sehemu ya haki, mamlaka au upendeleo wowote hautazuia utekelezaji wa haki, mamlaka au upendeleo mwingine wowote.
Hakuna msamaha wa ukiukaji wowote wa kifungu chochote chini ya Mkataba huu utakaochukuliwa au kushikiliwa kuwa ni msamaha wa ukiukaji wowote unaofuata wa kifungu hicho au kuwa msamaha wa kifungu chenyewe. Hakuna msamaha utakaofaa isipokuwa utekelezwe ipasavyo kwa maandishi.

Iwapo kifungu chochote cha Mkataba huu kitatangazwa kuwa batili au hakitekelezeki na mamlaka au mahakama yoyote yenye uwezo, masharti yaliyosalia ambayo yana uwezo wa kujitenga na kifungu chenye kasoro au kisichotekelezeka yataendelea kutumika kikamilifu, mradi masharti haya yaliyosalia hayatanyimwa. ya madhumuni yaliyokusudiwa ya awali ya Mkataba huu.

Mkataba huu utafafanuliwa na kutawaliwa kwa njia zote na sheria za Jamhuri ya Mauritius.

Iwapo mzozo au tofauti yoyote inayohusiana na Mkataba huu itatokea kati ya wahusika, mzozo huo au tofauti hizo zitapelekwa mara moja kwa kamati ya pamoja ya mkurugenzi au mshirika wa kila upande, au mbadala walioteuliwa nao ambao watakutana kujaribu kusuluhisha mzozo au tofauti hiyo ndani ya siku 14 (kumi na nne) za mzozo huo baada ya kupelekwa kwao. Kukosa suluhu lolote kati ya wahusika kunaweza kuwasilisha mzozo uliotajwa hapo juu au tofauti kwa usuluhishi ambao utafanywa na Chama cha Wafanyabiashara na Viwanda cha Mauritius na msuluhishi mmoja ili kuteuliwa ipasavyo kwa ridhaa ya pande zote za wahusika.
Lugha ya usuluhishi itakuwa Kiingereza au Kifaransa na gharama ya usuluhishi itabebwa na kila upande kwa uwiano sawa. Matokeo ya kesi ya usuluhishi yatakuwa ya mwisho na ya lazima kwa pande zote za hereto.

1.1. The Bank reserves the right to amend at any time partly or wholly the provisions of the present agreement and shall notify such amendments to the Customer. If a Cardholder uses the Card after receiving notification or does not return the Card to the Bank within 15 days of such notification, he shall be deemed to have accepted the said amendments and be bound thereby. 1.2. The Bank may completely withdraw the SMS Top Up service at any time within 30 days’ notice posted in our Service Units, at its sole discretion and without incurring any responsibility or liability for resulting consequences to users or others. At such a time that the SMS Top Up service is withdrawn all SMS Top Up requests pending will be cancelled. 1.3. The Bank will inform of any material variation of the Terms and Conditions prior to implementation through email and on the ONE CLICK website. Reasonable notice will be given before any variation takes effect. Any of the facilities made available by the Bank under the systems may be modified, replaced or withdrawn by the Bank at any time without notice to the Customer, in which event the Bank shall incur no liability whatsoever. 1.4. The Bank reserves the right to change the features of its products, including the interest rates related thereto, from time to time.

2.1. Any change in the address or constitution of the Customer should be immediately communicated to the Bank. 2.2. In case the Customer has conferred a power of Attorney to a third party before opening of his Account or after opening of his Account, he should deposit a registered copy of same to the Bank immediately. Such registration should take place in Mauritius through a Notary’s office only. 2.2.1. CHANGE IN KYC INFORMATION AND POWER OF ATTORNEY
Any change in the address or the constitution of the Customer and/or any other information required for KYC purposes should be immediately communicated to the Bank. The Bank shall not be liable in anyway whatsoever for any prejudice, losses or damages incurred by the Customer if the latter has failed to notify the Bank of any change in KYC information.

3.1. The Customer agrees that the Bank may use, hold and process, by computer or otherwise in any location whatsoever any information, including personal information, given by the Customer in his dealings with the Bank, or obtained by the Bank in connection with, or as a result of, the present agreement and any information relating to the Customer’s accounts (“Data”). 3.2. The Customer agrees that the Bank may use Data:
a. to provide services to the Customer.
b. to comply with legal and regulatory obligations.
c. for banking and credit assessment, statistical analysis including behaviour and credit scoring, and to identify products and services (including those supplied by other third parties) which may be relevant to the Customer.
d. with the Customer’s consent as indicated in the bank mandate, to bring to the Customer’s attention products and services which may be of interest to the Customer. 3.3. The Bank may store and process information obtained by the Bank or given by the Customer in his dealings with the Bank on the Bank’s computers and in any other way. 3.4. The Bank may disclose Data:
a. for fraud prevention purposes.
b. to other associates / affiliates of the Group.
c. to licensed credit reference agencies (in relation to the conduct of your account(s)). d. to subcontractors, suppliers or persons acting as our agents on the basis they keep the Data confidential. The Bank must ensure such persons are under a duty to keep Data confidential but are not liable to the Customer if they breach that duty.
e. to any person who may assume our rights under the General Terms and Conditions.
f. if the Bank have a right or duty to disclose or are compelled to do so by law.
3.5. The Customer can ask for a copy of the personal information the Bank holds about him/her by writing to the Bank.

4.1. From time to time, in the matter of operation of the Account held with the Bank, it may be necessary to give instruction/s to the Bank in relation to the said Account. Therefore, the Account holder shall authorize the Bank to act on any such instruction/s received without the need for further verification, to the same extent and effect as if the Account holder had given original signed instruction/s to the Bank. Such instruction/s shall be deemed to be valid, irrespective of whether authorized by the Account holder
or not, whether or not accurately communicated and received by the Bank. In this respect, the Bank’s record shall be deemed as conclusive evidence of the said instruction/s. 4.2. The Bank may be requested by the Account holder to act on instruction/s received verbally or in any written form including but not limiting to correspondence letter, mobile text message (SMS), facsimile transmission (fax), email correspondence and any other mode of electronic communication.

Hakuna chochote katika makubaliano haya kitakachounda wakala wowote, uaminifu, ubia au uhusiano wa ushirikiano kati ya Mteja na Benki.

Katika tukio ambalo kifungu chochote cha Sheria na Masharti; Masharti au matumizi ya kifungu chochote kama hicho kwa mtu yeyote au seti ya hali itaamuliwa kuwa batili, kinyume cha sheria, batili au isiyoweza kutekelezeka kwa kiwango chochote, salio la Sheria na Athari; Masharti na matumizi ya kifungu hicho kwa watu au mazingira mengine isipokuwa yale ambayo imedhamiriwa kuwa batili, kinyume cha sheria, na kinyume cha sheria batili au haiwezi kutekelezeka, haitaathiriwa au kuathiriwa vinginevyo na itaendelea kuwa halali na kutekelezeka kwa kiwango kamili kinachoruhusiwa na sheria. Ikiwa kuna watu wawili au zaidi wanaojumuishwa katika usemi “Mteja basi ahadi na madeni ya Mteja chini ya Masharti na Ampu; Masharti yatakuwa ya pamoja na katika shughuli za solido na dhima zitafafanuliwa ipasavyo na kurejelea hapa kwa ” Customer“kutamaanisha yoyote au zaidi kati yao. Ikiwa Mteja ni shirika la ushirika, basi Sheria na Masharti; Masharti yataendelea kwa nguvu na athari kamili na kuendelea kumfunga kila moja ya kazi na warithi wake.

Masharti & Masharti yatatawaliwa na kufasiriwa kwa mujibu wa sheria za Jamhuri ya Mauritius na migogoro yote, vitendo na mambo mengine yanayohusiana nayo yataamuliwa kwa mujibu wa sheria hiyo. Hata hivyo, Benki inahifadhi haki ya kuchukua kesi dhidi ya Mteja katika eneo lolote la mamlaka ambalo inaona linafaa.

Mteja hataweka, kutoa mkataba mdogo au vinginevyo kuondoa haki, madeni au wajibu wake wote au sehemu yoyote chini ya Makubaliano ya sasa bila idhini ya awali iliyoandikwa ya Benki kwa athari hiyo.

KATIKA BENKI YA KWANZA, TUNAFANYA DAIMA KUKUSIKILIZA

Bank One inathamini maoni na inalenga kutatua suala lolote la Mteja’s mapema zaidi. Benki ya Kwanza inaweza kufikiwa kupitia chaguo zozote zilizoorodheshwa hapa chini:

Chaguo 1: Kwa Simu
Mteja anaweza kupiga simu kwenye Kituo chetu cha Mawasiliano kwa (+230) 202 9200 wakati wowote kuanzia saa 08:45 hadi 16:30.
Bank One ina laini maalum (+230) 2029203 ili kuchukua maoni, malalamiko au mapendekezo yoyote, itafanya kazi kuanzia saa 08:45 hadi 16:30. Chaguo 2: Andika kwa Benki ya Kwanza
Mteja anaweza kuchagua kushughulikia maoni yake, malalamiko kwa:
Idara ya Uzoefu wa Wateja
Bank One Limited
16, Sir William Newton Street
Port Louis Chaguo 3: Barua pepe Benki ya Kwanza
Tuma barua pepe ya Benki kwenye [email protected] Chaguo 4: Kupitia tovuti ya Bank One
Tembelea tovuti ya Benki www.bankone.mu na Mteja anaweza kutuma ujumbe wake katika sehemu ya maoni/malalamiko. Chaguo la 5: Masanduku ya Maoni/Malalamiko
Mteja anaweza kutaka kujaza mojawapo ya vipeperushi vya maoni vya Benki na kuyaweka kwenye kisanduku cha maoni kinachopatikana katika matawi yetu yote.

Chaguo la 6: Zungumza na Meneja wa Tawi
Kutana na Meneja wa Tawi na utoe maoni/pendekezo au wasiwasi wowote. Muda wa kutatua masuala
Benki ya Kwanza itamtumia Mteja hati ya kukiri ndani ya saa 24 baada ya kupokelewa ikiwa malalamiko yake hayajatatuliwa papo hapo. Mteja anaweza kupigiwa simu kwa jibu la haraka ili kuhakikisha kuwa Benki ina ukweli wote sahihi. Jibu la malalamiko yoyote litategemea utata wa suala hilo na Mteja atafahamishwa ikiwa suala linalochunguzwa linahitaji muda wa ziada kusuluhishwa, yaani zaidi ya siku 10 za kalenda. Katika hali zote, malalamiko huzingatiwa kikamilifu na kwa haki na hatua zinazofaa zitachukuliwa ili kuhakikisha kwamba kurudia kama hivyo kunapunguzwa. Katika kesi ya kutoridhika
Ikiwa Mteja bado hajaridhika na jibu lililotolewa na benki au hajapata jibu baada ya muda wa siku 10 za kalenda kuanzia tarehe ambayo malalamiko yalitolewa, anaweza kuwasilisha malalamiko yake kwa maandishi kwa Ofisi ya Ombudsperson for Financial. Huduma. Malalamiko kwa Ofisi ya Mchunguzi wa Huduma za Kifedha yanapaswa kuambatanishwa na yafuatayo:

• Jina na anwani ya Mteja;
• Jina na anwani ya Bank One Limited;
• Asili ya malalamiko na ukweli na mazingira yanayosababisha malalamiko;
• Msaada uliotafutwa;
• Tamko lililoandikwa la kwamba malalamiko hayo yalitolewa kwa Bank One Limited kwa posta iliyosajiliwa, kwa ushauri wa kuwasilisha, na kwamba ana maslahi ya kutosha katika suala la malalamiko.
• Tamko la iwapo Bank One Limited ilijibu malalamiko hayo;
• Nakala ya jibu, kama ipo, kutoka Bank One Limited; na
• Nakala ya hati ambazo Mteja anapendekeza kutegemea.

1. Vichwa vilivyomo katika Sheria na Masharti haya ya Jumla ni kwa ajili ya kurahisisha marejeleo tu, na havitachukuliwa kuwa sehemu ya makubaliano haya wala havitarejelewa kuhusiana na tafsiri ya mkataba huu. 2. Katika makubaliano haya, matumizi ya kiume yatajumuisha uke na kinyume chake na matumizi ya umoja yatajumuisha wingi. 3. Kwa madhumuni ya Sheria na Masharti haya, ufafanuzi ufuatao utatumika:
3.1. ” Akaunti ” maana yake ni akaunti ya benki katika Rupia ya Mauritius au katika fedha za kigeni inayotunzwa na mteja katika Jamhuri ya Mauritius katika tawi au idara yoyote ya Bank One Limited. Akaunti kama hiyo inaweza kuteuliwa na Mteja ili kuunganishwa na Kadi yake kwa ajili ya kutuma Miamala ya Kadi yake. 3.2. ” Kadi ya Akaunti ” maana yake ni muhtasari uliochapishwa wa taarifa muhimu zinazohusu akaunti ya akiba, ya sasa au ya amana iliyohifadhiwa na Benki. 3.3. “ Mwenye akaunti ” maana yake ni mtu mwenye Akaunti na Benki ama peke yake au kwa pamoja. 3.4. “ ATM ” maana yake ni Mashine yoyote ya Kutoa Mali inayojiendesha, iliyoko katika Jamhuri ya Mauritius au nje ya nchi, inayoonyesha Nembo ya Mastercard na kujumuisha ATM za Bank One Limited. 3.5. ” Benki ” inarejelea Bank One Limited, ambayo pia inajulikana kama Bank One. 3.6. ” Siku ya Biashara ” inamaanisha siku yoyote ambayo Benki iko wazi kwa biashara katika Jamhuri ya Mauritius. 3.7. “ Akaunti ya Amana ya Simu ” ina maana ya aina ya akaunti ya amana katika fedha za kigeni iliyofanywa na taasisi ya fedha inayoruhusu uondoaji wa fedha dhidi ya salio bila kituo cha hundi. 3.8. “ Kadi ” maana yake ni Kadi ya Madeni ya Bank One Mastercard inayotolewa na Bank One Limited
3.9. ” Mmiliki wa Kadi ” maana yake ni mtu anayetuma maombi ya utoaji wa Kadi ya Benki na Bank One Limited. Mmiliki wa kadi pia ndiye Mmiliki wa Akaunti. 3.10. ” Miamala ya Kadi ” maana yake ni thamani ya bidhaa na huduma zilizonunuliwa kwa njia ya Kadi, na kuthibitishwa na risiti ya mauzo, au uondoaji wa pesa taslimu unaofanywa na Kadi yake, au wakati wowote wa mauzo. 3.11. ” Akaunti ya Sasa ” inamaanisha aina ya akaunti ya amana katika MUR, iliyofanywa na taasisi ya fedha inayoruhusu uondoaji wa fedha na kuruhusu hundi kuandikwa dhidi ya salio. 3.12. ” Muda wa kukatika ” unamaanisha muda ambao shughuli zitahesabiwa katika Siku inayofuata ya Biashara. 3.13. “ POS ” maana yake ni Kituo cha Mauzo cha muuzaji yeyote aliyeidhinishwa anayeonyesha Nembo ya Mastercard na kukubali Miamala ya Kadi na Kadi.

3.14. ” Akaunti ya Amana ya Muda ” ina maana ya akaunti ya amana ya benki yenye riba ambayo ina tarehe maalum ya ukomavu. Pesa katika akaunti hizi lazima zizuiliwe kwa muda uliowekwa na zijumuishe maelewano kwamba mwekaji anaweza kutoa pesa kwa kutoa notisi pekee.
3.15. ” Mtumiaji ” inarejelea Mteja aliyesajiliwa.

Benki inaweza, kwa uamuzi wake pekee na kamili, baada ya maombi yanayostahiki kutoka kwa Mteja na kwa kuzingatia Sheria na Masharti yaliyopo, kumfungulia Mteja Akaunti. Benki inaweza kuamua kutofungua akaunti kutokana na mahitaji fulani ya udhibiti wa ndani au kimataifa na Benki haitakuwa chini ya wajibu wowote wa kuhalalisha kukataa kwake kufungua akaunti yoyote. 1. UTOAJI NA MALIPO
1.1. Mteja huathiri uondoaji kutoka kwa Akaunti yake ya Sasa katika MUR, kwa njia ya hundi tu alizopewa na Benki kwa akaunti hiyo. Hundi zinapaswa kusainiwa kulingana na saini ya kielelezo kilichotolewa kwa Benki na mabadiliko yoyote katika hundi lazima yathibitishwe na sahihi kamili ya droo. Benki inahifadhi haki yake ya kutoheshimu hundi yoyote iliyotolewa na Mteja iwapo saini inayoonekana kwenye hundi itatofautiana na kielelezo cha sahihi kilichotolewa na Mteja kwa Benki na iwapo kutatokea hitilafu nyinginezo.
1.2. Utoaji wa pesa kutoka kwa Akaunti za Fedha za Kigeni unaweza kufanywa tu kwa maagizo ya maandishi ya malipo yaliyowasilishwa kwa Benki katika nakala halisi au iliyochanganuliwa au kwa kupiga simu kwenye kaunta na kutia sahihi vocha husika.
1.3. Wateja wanaweza kuiomba Benki kwa maandishi kusitisha malipo ya hundi kabla haijawasilishwa kwa malipo isipokuwa kama Benki imejitolea kuheshimu hundi hiyo. Wateja watahitajika kutoa maelezo kamili ya hundi. Ada za kusitisha malipo ya hundi zitatozwa kwenye Akaunti ya Mteja.
1.4. Malipo ya Wingi: Inapowezekana, Benki itatoa chaguo kwa mteja kutekeleza malipo mengi – ambayo ni muunganisho wa miamala moja – ndani ya Mauritius na kimataifa. Litakuwa jukumu la Wateja kuhakikisha kuwa wanatumia violezo vinavyofaa na sahihi vya Benki wanapotumia kipengele cha Malipo ya Wingi. 2. TAARIFA YA AKAUNTI
2.1. Taarifa ya akaunti itatumwa kwa Mteja kila mwaka na wakati wowote itakapoombwa na mteja. Kwa wateja walio na huduma za benki kwenye mtandao, taarifa ya kielektroniki ya akaunti itatolewa. MASHARTI NA MASHARTI
BRN: C07040612 BankOne/TermsandConditions/Corporate/2019/03 3. HASARA YA KITABU CHA HUNDI
Wateja walio na Akaunti ya Sasa wanawajibika kwa uhifadhi salama wa vitabu vyao vya hundi. Katika kesi ya wizi wa kitabu chao cha hundi, Wateja watahitajika kuipatia Benki memo ya polisi. Wateja wanapaswa kuarifu Benki kuhusu upotevu, wizi au upotevu wa vitabu vyao vya hundi. Endapo vitabu vya hundi vitapatikana, Wateja wataahidi kurejesha Benki.
Benki inahifadhi haki ya kudai kutoka kwa Mteja ada ya kubadilisha vitabu vya hundi. Utoaji wa pesa unaweza kufanywa kutoka kwa Akaunti kwa kutumia fomu iliyowekwa na Benki. 4. AKAUNTI YA FEDHA ZA NJE
4.1. Ada za benki zitatumika kwa malipo yoyote kwa Akaunti ya Fedha ya Kigeni kwa malipo ya fedha za kigeni badala ya kubadilishana kulingana na Ushuru na Tume za Benki.

5. FEDHA AMBAZO HAZIJAFUNULIWA
5.1. Pesa ambazo hazijaainishwa, ambazo zinaweza kuwekwa kwenye akaunti, hazitapatikana kwa Mteja kuzipinga. Iwapo hundi kama hizo ambazo hazijabainishwa zitawekwa kwenye akaunti na/au kuruhusiwa kukatwa, Benki itakuwa na haki ya kutoa pesa kwenye akaunti ya Mteja, endapo itapotea na/au kutotekelezwa.
5.2. Makusanyo yoyote kama haya yanafanywa kwa hatari ya Mteja pekee. Benki itakusanya hundi hizo na kuzituma mara moja iwezekanavyo. Ucheleweshaji wowote unaotokana na hili wakati wa uwasilishaji utatumwa kwa mamlaka husika kwa ajili ya hatua, na hautatuvutia kuwajibika kwa hatua yoyote kwa mujibu wa sheria na ucheleweshaji unaotokana na hali hiyo hiyo. 6. AMANA YA MUDA
6.1. Mteja anakubali kwamba hakuna Amana ya Muda itakayolipwa kabla ya kukomaa kwake. Benki inaweza, hata hivyo, kwa uamuzi wake yenyewe kuzingatia malipo ya Amana ya Muda kabla ya kukomaa kwake na katika hali ambayo kiwango cha riba kinachotumika kitakuwa kiwango kilichopo kwa kipindi ambacho Amana ya Muda imekuwa ikishikiliwa na Benki, chini ya ada ya adhabu kama ilivyoelezwa katika Ushuru na Tume za Benki.
6.2. Amana ya Muda itasasishwa baada ya kukomaa kwa muda sawa na kiwango cha riba kinachoelea, isipokuwa kama itapendekezwa vinginevyo na mteja kabla ya tarehe ya ukomavu. Usasishaji huo wa kiotomatiki utakoma baada ya miaka saba. Amana ya Muda baadaye itachukuliwa kuwa fedha zilizoachwa, ambapo itatumwa kwa Benki ya Mauritius kulingana na kanuni zinazotumika.
6.3. Iwapo Kutakuwa na Amana ya Muda katika majina ya pamoja waweka amana hapa wanaidhinisha waziwazi kwamba kuahidi kwa Amana ya Muda kwa madhumuni ya kupata usaidizi wa mkopo kwa mmoja wao/mtu wa tatu kunaweza kufanywa na yeyote kati yao, ambayo inaweza kuchukuliwa kama malipo halali.
6.4. Iwapo Amana ya Muda ni ya fedha za kigeni, kiwango cha riba kinaweza kutofautiana mara kwa mara kulingana na kushuka kwa thamani katika soko la fedha la kimataifa. 7. BIDII INAYOTOKANA
Mteja hatakuwa na pingamizi kwamba rejeleo huru la Benki linaweza kutafutwa kwa madhumuni ya uchunguzi unaostahili. 8. HAKI YA KUZIMWA
Benki ina haki ya kulipa salio la benki na mikopo la Akaunti za Wateja bila taarifa iwapo Mteja atashindwa kutimiza wajibu wake wowote kwa Benki, ama kama mdhamini, mdhamini au vinginevyo. 9. GHARAMA ZA HUDUMA
9.1. Ada za Huduma hutozwa kila mwisho wa nusu mwaka kwa Akaunti zote za Sasa, kulingana na kazi na gharama katika kuweka hesabu hizo na Benki. Ada za Leja hutozwa kwenye Akaunti zote za Sasa kulingana na Ushuru na Tume za Benki.
9.2.

Gharama na malipo yote yanayotokana na maslahi ya Mteja, hasa kwa ada za kisheria na kitaaluma, bima, barua zilizochapishwa, kodi, posta na simu, zinaweza kutozwa na Benki kwa akaunti ya Mteja.
9.3. Benki inaweza kubadilisha muundo wake wa ushuru kwa kumjulisha Mteja, inapowezekana, angalau siku 30 kabla ya mabadiliko kuanza kutekelezwa. Taarifa ya Benki itawasilishwa kwa Mteja ama kwa maandishi (kwa mawasiliano ya moja kwa moja), itapatikana kwenye tovuti yetu, kutangazwa kwenye vyombo vya habari na/au kuonyeshwa katika Tawi lolote la Benki. 10. KULIPIA
Mteja atafidia na kushikilia Benki bila madhara kutokana na hasara yoyote na yote, ambayo ni matokeo ya moja kwa moja au yasiyo ya moja kwa moja ya Benki kutekeleza au kujaribu kutekeleza shughuli au huduma yoyote iliyoombwa na Mteja. 11. MBALIMBALI
11.1. Iwapo Akaunti itatolewa, Benki inahifadhi haki ya kutumia riba kwa kiwango kilichopo wakati huo kwa hela zote zilizosalia hadi urejeshaji kamili.
11.2. Benki inaweza kuheshimu, iwe Akaunti ni ya mkopo au la, hundi, Miswada ya Kubadilishana, Hati za Ahadi au maagizo mengine yaliyotolewa, kukubaliwa au kufanywa kwa niaba ya Mwenye Akaunti na kuchukua hatua kwa kufuata maagizo yoyote na kukubali risiti au hati zingine zinazohusiana. kwa akaunti na pia kukubali ridhaa, zilizotiwa saini au kufanywa kwa niaba ya mwenye Akaunti. MASHARTI NA MASHARTI
BRN: C07040612 BankOne/Masharti naMasharti/Shirika/2019/03
11.3. Mteja huchukua jukumu kamili la uhalisi, usahihi na uhalali wa mapendekezo yote yanayoonekana kwenye hundi, maagizo, bili, noti, zana na stakabadhi zinazoweza kujadiliwa au hati nyinginezo zilizowekwa kwenye Akaunti.
11.4. Benki itahakikisha kwamba maingizo ya mikopo na debi yanarekodiwa kwa usahihi katika Akaunti, lakini endapo kutakuwa na hitilafu yoyote, Benki itakuwa ndani ya haki zake kufanya marekebisho sahihi bila taarifa na kurejesha kiasi chochote kinachodaiwa kutoka kwa Mteja. Benki haitawajibika kwa uharibifu wowote, hasara n.k., kutokana na makosa hayo.
11.5. Risiti ya pesa, hundi na dhamana au risiti nyingine yoyote kwa niaba ya Benki ni halali tu ikiwa imesainiwa na maafisa walioidhinishwa.
11.6. Kiasi kinachozidi kile kilichoainishwa chini ya Sheria ya Ushauri wa Kifedha na Kupambana na Usafirishaji Haramu wa Pesa (“FIAMLA”) au sheria nyingine yoyote husika inapaswa kupitishwa kupitia njia sahihi ya Benki, kama ilivyoelezwa na FIAMLA au sheria nyingine yoyote husika.
11.7. Iwapo bidhaa yoyote italipwa au kulipwa au mkopo wowote umerudishwa nyuma au malipo yoyote yanafanywa kwa Akaunti na matokeo yake, Akaunti itatolewa, Mteja atalazimika kulipa mara moja baada ya kujulishwa na Benki kwa maandishi. kiasi cha overdraft hiyo kwa Benki. Benki inaweza kwa hiari yake kutoza riba ya overdraft kama hiyo kwa viwango ambavyo Benki inaweza kuamua. Kwa hivyo, Mteja anakubali na anajitolea kulipa dhima yote pamoja na kiwango cha riba kilichopo na hivyo kuidhinisha Benki kutoa kiasi cha riba kama hizo kwa akaunti ya Mteja. 12. AKAUNTI ISIYO SHUGHULIKIWA/IMETUMA
12.1.

Kwa sababu za usalama, Akaunti zote za Amana ya Simu na akaunti za Sasa ambazo hakuna miamala kwa muda wa miezi 12 mfululizo au kipindi chochote ambacho kinaweza kuamuliwa mara kwa mara, hubadilishwa hadi hali ya “Isiyotumika”.
12.2. Amana zote za Simu na akaunti za Sasa ambazo hakuna miamala kwa muda wa miezi 24 mfululizo au kipindi chochote ambacho kinaweza kuamuliwa mara kwa mara, hubadilishwa hadi hali ya “Dormant”. Ada, kulingana na Ushuru na Tume za Benki, itatozwa kila mwezi sita kwenye akaunti hiyo hadi itakapowashwa tena.
12.3. Iwapo Akaunti itasalia bila kutumika au tulivu, Mteja hataweza kufanya miamala yoyote kwa wakati mmoja, kama vile uondoaji, amana n.k.
12.4. Ili kuwezesha tena Akaunti Iliyo Tulia, Mteja atawasilisha hati zilizosasishwa za KYC kufuatia ukaguzi uliofanywa na kitengo cha biashara. 13. KUKOMESHWA KWA AKAUNTI
Mteja anaweza kufunga Akaunti au kusitisha huduma kwa kutoa notisi ya mwezi mmoja kwa Benki. Benki inaweza kufunga akaunti au kusitisha huduma kwa kutoa notisi ya mwezi mmoja kwa Mteja. Hata hivyo, Benki inaweza kufanya hivi mara moja pale ambapo sheria inailazimisha Benki kufanya hivyo au pale ambapo hakuna njia nyingine au kama Mteja:
a. amekiuka kwa dhati au kwa kuendelea masharti ya Kanuni na Masharti ya Jumla.
b. ametoa taarifa ambazo ni za uongo au za kupotosha kwa Benki.
c. haikidhi vigezo vya akaunti au huduma husika.
d. ametumia, au amemruhusu mtu mwingine kutumia, akaunti au huduma kwa madhumuni yasiyo halali.
e. kwa maoni ya Benki, inatenda kwa njia isiyofaa ambayo inafanya iwe sawa kwa Benki kuchukua hatua za haraka.
f. kwa maoni ya Benki, inaiweka katika hali, au inatoa Maagizo, ambayo yanaweza kuharibu sifa ya Benki, au kusababisha kuvunja sheria, kanuni au vikwazo.
g. inachukua, au imeanza dhidi yake, hatua yoyote ambayo inaweza kusababisha kukamatwa kwa mali ya Mteja, utekelezaji wa usalama uliotolewa na Mteja au utaratibu wa ufilisi kwa Mteja.

1. BANK ONE’S MAJUKUMU

1.1. The Bank will act on the instructions received by making applicable accounting entries and by transmitting payment instructions to the third party, on the day such request is received, if such request is received prior to the Bank’s applicable cut-off time and the if the date of receipt is a Business Day or not later than any stated value date (if such date is not earlier than the day such request is received). 1.2. The Bank shall be entitled to effect an electronic funds transfer in respect of the Accounts of which the numbers are provided in a payment instruction. The Customer acknowledges that the Bank shall not be obliged to verify the destination Account numbers, parties’ names or the amounts involved in any instruction. 1.3. The Bank shall not be required to inquire into the authority of any person using the systems, or any of them. 1.4. The Bank is hereby authorised to debit the Customer’s Account/s with the amounts of the transactions effected via the systems, provided funds are available. 1.5. Once the Bank has received and implemented an instruction given by a Customer via any of the systems, the Bank shall not be entitled to retract or amend such instruction. 1.6. The Bank is entitled to debit any Customer’s account/s with the amount of any fees payable to the Bank from time to time for the use of the systems, or any of them. 1.7. Any instructions received by the Bank after the applicable cut-off time may be treated as received by the Bank on its next Business Day.

2. WAJIBU WA MTEJA

2.1. The Customer acknowledges that, should he breach any of these Terms and Conditions, the Bank shall be entitled, without notice, to cancel this agreement and withdraw the facilities under the systems with immediate effect, without prejudice to any rights it may have to recover any amount due to it or any losses or any damages suffered by it in consequence of the Customer’s breach. 2.2. Any software downloaded by the Customer from the Internet, whether from the Bank’s Internet site or not, is third party software, the licensing of which shall be subject to such Terms and Conditions as the licensor of such software may impose. The Bank is not party to any license agreement entered into by the Customer and thus makes no warranties relating to such software, including without limitation, warranties relating to suitability for a particular purpose, security features or performance. The Customer understands that the use of such software shall be at his own risk and he hereby absolves and holds the Bank harmless against any loss or damage which he may suffer as a result of the use, abuse or possession of such software. 2.3. The Customer must not include any obscene, libellous or defamatory content in his communications. 2.4. The Customer acknowledges that he should not be entitled to cede, transfer or make over his rights in and to the facilities or the use of the systems, or any of them, to any person. 2.5. The Customer represents and warrants to Bank One that this agreement constitutes the Bank’s duly, authorised, legal, valid, binding and enforceable obligation.

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/Masharti naMasharti/Shirika/2019/03 2.6. Mteja atahakikisha kwamba data zote zinazotumwa au kutoka Benki ya Kwanza kupitia BOFYA MOJA ni sahihi na ataishauri Benki mara moja kuhusu hitilafu au hitilafu zozote. 2.7. Kwa Uhamisho Ulioratibiwa, Uhamisho wa Mara kwa Mara na Upakiaji wa Mishahara Mteja atahakikisha kuwa kuna pesa za kutosha kwenye akaunti ambazo zitatozwa mwanzoni mwa biashara siku iliyopangwa.

1.MAJUKUMU YA BANK ONE

1.1. The Bank will act on the instructions received by making applicable accounting entries and by transmitting payment instructions to the third party, on the day such request is received, if such request is received prior to the Bank’s applicable cut-off time and the if the date of receipt is a Business Day or not later than any stated value date (if such date is not earlier than the day such request is received). 1.2. The Bank shall be entitled to effect an electronic funds transfer in respect of the Accounts of which the numbers are provided in a payment instruction. The Customer acknowledges that the Bank shall not be obliged to verify the destination Account numbers, parties’ names or the amounts involved in any instruction. 1.3. The Bank shall not be required to inquire into the authority of any person using the systems, or any of them. 1.4. The Bank is hereby authorised to debit the Customer’s Account/s with the amounts of the transactions effected via the systems, provided funds are available. 1.5. Once the Bank has received and implemented an instruction given by a Customer via any of the systems, the Bank shall not be entitled to retract or amend such instruction. 1.6. The Bank is entitled to debit any Customer’s account/s with the amount of any fees payable to the Bank from time to time for the use of the systems, or any of them. 1.7. Any instructions received by the Bank after the applicable cut-off time may be treated as received by the Bank on its next Business Day.

2. WAJIBU WA MTEJA

2.1. The Customer acknowledges that, should he breach any of these Terms and Conditions, the Bank shall be entitled, without notice, to cancel this agreement and withdraw the facilities under the systems with immediate effect, without prejudice to any rights it may have to recover any amount due to it or any losses or any damages suffered by it in consequence of the Customer’s breach. 2.2. Any software downloaded by the Customer from the Internet, whether from the Bank’s Internet site or not, is third party software, the licensing of which shall be subject to such Terms and Conditions as the licensor of such software may impose. The Bank is not party to any license agreement entered into by the Customer and thus makes no warranties relating to such software, including without limitation, warranties relating to suitability for a particular purpose, security features or performance. The Customer understands that the use of such software shall be at his own risk and he hereby absolves and holds the Bank harmless against any loss or damage which he may suffer as a result of the use, abuse or possession of such software. 2.3. The Customer must not include any obscene, libellous or defamatory content in his communications. 2.4. The Customer acknowledges that he should not be entitled to cede, transfer or make over his rights in and to the facilities or the use of the systems, or any of them, to any person. 2.5. The Customer represents and warrants to Bank One that this agreement constitutes the Bank’s duly, authorised, legal, valid, binding and enforceable obligation.

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/Masharti naMasharti/Shirika/2019/03 2.6. Mteja atahakikisha kwamba data zote zinazotumwa au kutoka Benki ya Kwanza kupitia BOFYA MOJA ni sahihi na ataishauri Benki mara moja kuhusu hitilafu au hitilafu zozote. 2.7. Kwa Uhamisho Ulioratibiwa, Uhamisho wa Mara kwa Mara na Upakiaji wa Mishahara Mteja atahakikisha kuwa kuna pesa za kutosha kwenye akaunti ambazo zitatozwa mwanzoni mwa biashara katika siku iliyopangwa. 2.8.

Msimamizi wa shirika

2.8.1. The Customer hereby agrees and undertakes that with regards to Corporate Administrators for the purposes of Internet Banking and Mobile Banking, s/he will, upon submission of a duly signed board resolution, nominate Corporate Administrator(s) who will have the sole ability , rights and discretion to do the following:

• Unda watumiaji wapya kwa ajili ya kampuni pekee, ambao wanaweza kuangalia taarifa (watazamaji), kuanzisha malipo (Mtayarishi) na kuidhinisha malipo (waidhinishaji), chini ya mchanganyiko wowote.
• Kuwa na uwezo wa kurekebisha na kufuta watumiaji pekee
• Kuwa na uwezo wa kuunda Waidhinishaji na kugawa vikomo vya idhini na akaunti kwa watumiaji iliyoundwa
• Uweze kufafanua matrix ya uidhinishaji
• Kuwa na uwezo wa kuona watumiaji wote
• Kuwa na wajibu na haki za mtazamaji, mtayarishaji na midhinishaji, kama ilivyobainishwa hapa chini:

Mwandishi

• Kuwa na uwezo wa kuona taarifa na/au kuanzisha malipo na/au kuidhinisha malipo chini ya mchanganyiko wowote kama ulivyopewa na mteja.

Muumbaji na Mtazamaji

• Uweze kuona taarifa na/au kuanzisha malipo chini ya mseto wowote kama ulivyopewa na mteja.

2.8.2. Limits/Approval Limits:

Wasimamizi wa Biashara, pamoja na mtu mwingine yeyote aliyeidhinishwa nao, watakuwa na mamlaka ya kuweka mipaka na vigezo kwa mamlaka ambayo wataamua kuwapa watazamaji, waundaji na waidhinishaji waliorejelewa hapo juu.

2.9. Bulk Payments

Sambamba na kifungu cha 1.4. ( Malipo ya Wingi), Wateja watakuwa na jukumu la kutumia violezo sahihi wanapotumia kipengele cha Malipo ya Wingi, wapi na kama kinapatikana.

3. MAJUKUMU YA USALAMA WA MTEJA

3.1. The computer generated passwords issued by the Bank and allocated to the Customer⁄ Authorised user, so as to give him access to the different services of the Bank, shall be kept secret and shall not be imparted or communicated to any person whomsoever. The same secrecy obligation shall apply in respect of the password keyed-in by the Customer⁄ Authorised user at his first or any subsequent log in session. 3.2. The passwords issued to the Customer shall provide access to his account and the Customer therefore agrees to change the PASSWORDS issued to him immediately upon using the systems for the first time (and on a regular basis thereafter) to a password of his choice. This is mandatory and will be prompted by the system. 3.3. The Customer undertakes to:

• hakikisha uhifadhi na usiri wa nenosiri kama hilo
• haribu ushauri wowote wa PIN mara tu unapopokea
• ijulishe Benki mara moja baada ya kufahamu kuwa nywila zake zinaweza kuwa zimeangukia mikononi mwa mtu ambaye hajaidhinishwa.
• itaarifu Benki mara moja kuhusu ufikiaji wowote ambao haujaidhinishwa kwa huduma au shughuli isiyoidhinishwa ambayo anajua au anashuku.

Hakuna njia ya kurejesha Nywila kutoka kwa mfumo. Iwapo Mtumiaji atasahau Nenosiri lake, atalazimika kukaribia Benki ili kuweka upya nywila zake. 3.4. Kushindwa kwa upande wowote kwa Mteja kufuata taratibu za usalama zinazopendekezwa kunaweza kusababisha ukiukaji wa usiri wa Akaunti yake na kunaweza kusababisha miamala ambayo haijaidhinishwa kwenye akaunti zake. 3.5. Mteja anathibitisha kuwa ametathmini vipengele vya usalama vya BONYEZA MOJA na kwamba vipengele hivi, pamoja na hatua zake za usalama, vinatosha kulinda maslahi yake. 3.6. Mteja ⁄ Mtumiaji aliyeidhinishwa hata hivyo atawajibika kwa Bank One kwa muamala wowote utakaofanywa kwa kutumia nywila zake zilizoidhinishwa na mtu yeyote aliyeimiliki, kwa au bila ya Mteja ⁄ ridhaa ya watumiaji walioidhinishwa, kabla ya taarifa ya maandishi kupokelewa na Benki kana kwamba Mteja ⁄ Mtumiaji aliyeidhinishwa ameitumia kibinafsi. 3.7. Benki inaweza kukubali kama ilivyoidhinishwa kihalali na Mteja, maagizo yoyote na ⁄ au ujumbe uliopokewa na Benki kupitia BOFYA MOJA unaodai kuwa unatoka kwa Mteja na kuthibitishwa kwa njia kama ilivyotolewa na Bank One. 3.8. Data yoyote iliyopokelewa na Benki ambayo imethibitishwa kwa KUBOFYA MOJA itategemewa na Benki kuwa imethibitishwa na mwenye kifaa hicho kilichosajiliwa na Bank One mara kwa mara. 3.9. Benki haitalazimika kutekeleza malipo yoyote kwa mujibu wa maagizo yoyote yanayopokelewa na Benki kupitia Huduma zake za Kibenki za Mtandao, isipokuwa:

• fedha za kutosha zilizoidhinishwa zinapatikana kwenye Akaunti, ambayo fedha hizo zinaombwa kulipwa, au:
• mipango ya awali imefanywa na Benki ya kugharimia akaunti na kikomo kilichotengwa kwa Akaunti tajwa hakijaisha.

3.10. The Customer’s instruction is irrevocable and unconditional. The Customer agrees that it is not, at all times, possible for the Bank to ensure that the payment to, or receipt of funds from, a third party financial institution can be made at any particular time or within any particular time limit.

4. UPATIKANAJI WA HUDUMA

Huduma zitapatikana kwa siku na kati ya saa zilizopendekezwa na Benki kwa Mteja mara kwa mara. Saa za kazi zinaweza kubadilishwa au kusimamishwa na Benki bila taarifa ingawa katika hali zote kama hizo Benki itajitahidi kumshauri Mteja haraka iwezekanavyo kwa njia yoyote ambayo Benki itaona inafaa. Tarehe na Wakati unaorejelewa katika makubaliano haya/ au kwenye Tovuti/ au hati nyingine yoyote inayohusiana na huduma za CLICK MOJA itakuwa tarehe na wakati uliopo katika Jamhuri ya Mauritius wakati wa shughuli.

5. ULINZI KUTOKA KWA WATU WA TATU

Kwa hivyo, Mteja anaifidia Benki dhidi ya, na kuishikilia kuwa haina madhara kutokana na, dhima yoyote na yote, madai, gharama, gharama na uharibifu wa aina yoyote kwa njia yoyote ile inayotokana na au inayohusiana na migogoro au hatua za kisheria za wahusika wengine kuhusu matumizi au Benki. utoaji wa Huduma. Majukumu ya Mteja chini ya kifungu hiki yatadumu kukomeshwa kwa makubaliano haya.

6.ADA NA TOZO

Ada zitalipwa kwa Benki kulingana na Ushuru na Tume za Benki ambazo zinaweza kutofautiana mara kwa mara.

7. REKODI ZA KUBOFYA MOJA

Rekodi za BOFYA MOJA au kunakiliwa kwake kwenye msingi wa kompyuta zitakuwa ushahidi wa uhakika na usioweza kukanushwa wa miamala iliyofanywa na⁄ au maagizo yatakayotolewa na Mteja kwenye tovuti ya BOFYA MOJA pamoja na nenosiri la Mteja ⁄ la mtumiaji Aliyeidhinishwa.

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/Masharti naMasharti/Shirika/2019/03

1.MAJUKUMU YA BANK ONE

1.1. The Bank will link the Customer’s existing and future Account(s) to the mobile number provided in the registration form to enable the SMS Alerts Service. The Bank takes upmost care to ensure that the information is delivered to the Customer nominated mobile number securely. 1.2. The Bank will send Alerts only on one mobile number even if the Account is held in joint names. The Bank, its Directors, Officers and Employees shall not be liable for any unauthorized access to SMS Alerts by any person or any breach of confidentiality which the Bank cannot be held accountable under the applicable laws, rules, regulations or guidelines. 1.3. The Bank reserves the right to decide the type of SMS Alerts Service that shall be offered and may also choose to incorporate additional facilities including promotional Alerts or to discontinue or modify the type of Alerts without any prior notice. 1.4. The Bank may suspend or terminate the SMS Alerts Service without prior notice if the Customer has breached these Terms and Conditions stipulated under the present document or any other relevant document, if any, or if the Bank learns of the death, bankruptcy or lack of legal capacity of the Customer or other circumstances that may threaten the due execution or security of the said service. 1.5. The Bank shall not be liable in case the service is suspended or cancelled for any reason whatsoever. 1.6. The Bank, its Directors, Officers and Employees shall not be liable in any manner whatsoever for any loss, non-delivery, delayed delivery, distortion of the ALERT or prejudice arising out of or in any way connected with the usage of the SMS Alerts Service. 1.7. The Bank shall not send an alert again if ever the Customer has deleted the message by mistake. However, the Customer may personally call at the Bank to get any information about his Account(s).

2. WAJIBU WA MTEJA

2.1. The Customer should exercise due care when receiving information from the Bank on his mobile phone by ensuring that third parties do not have access to such information and/or by refraining from disclosing such information to third parties. It is advisable that the Customer deletes SMS Alerts he no longer requires in order to minimize the potential risk in case his mobile is stolen. 2.2. The Customer shall notify the Bank promptly on telephone number 208 9999 or send an email to [email protected] for any change in his designated mobile number or upon loss/theft of his mobile phone. If the notice is received within business hours the service will be stopped on the same day. However, if the notice is received after business hours, the service will be stopped on next working day. 2.3. Customers may request for termination of the SMS Alerts Service any time by giving notice in writing or by sending an email to [email protected]. The service will be discontinued within 2 working days after receipt of such notice by the Bank. 2.4. The Customer acknowledges that his mobile number must be active and accessible in order to receive alerts. 2.5. The Customer acknowledges that some alerts will be generated as and when the particular event happens.

3. UPATIKANAJI WA HUDUMA

Mteja pia anakubali kwamba usahihi na wakati wa kutoa Huduma ya Arifa za SMS inategemea mambo mengi ikiwa ni pamoja na miundombinu na muunganisho wa mtoa huduma wa mawasiliano ya simu. Zaidi ya hayo, Benki haitoi uthibitisho kwamba Arifa zozote za SMS au sehemu yake hazitakuwa na maambukizo kutoka kwa virusi au uchafuzi mwingine mbaya; au huduma hizo zitasalia bila kukatizwa.

4. ADA NA TOZO

Arifa zote za SMS zinazotumwa na Benki kwa sasa zinatolewa bila malipo. Hata hivyo, ikiwa Mteja atatoa ombi kuhusu akaunti/zake kupitia SMS atatozwa malipo yoyote kulingana na ushuru unaotumika wa SMS uliowekwa na opereta wake aliyemteua wa simu ya mkononi.

1.KUTOFAUTIWA KWA VIGEZO NA MASHARTI

1.1. The Bank reserves the right to amend at any time partly or wholly the provisions of the present Terms and Conditions and shall notify such amendments to the Customer. If a Cardholder uses the Card after receiving notification or does not return the Card to the Bank within 15 days of such notification, he shall be deemed to have accepted the said amendments and be bound thereby. 1.2. The Bank will inform the customer of any material variation of the Terms and Conditions prior to implementation through email and on the ONE CLICK website. Reasonable notice will be given before any variation takes effect. Any of the facilities made available by the Bank under the systems may be modified, replaced or withdrawn by the Bank at any time without notice to the customer, in which event the Bank shall incur no liability whatsoever. 1.3. The Bank reserves the right to change the features of its products, including the interest rates related thereto, from time to time.

2. MABADILIKO YA ANWANI NA NGUVU YA WAKILI

2.1. Any change in the address or constitution of the Customer should be immediately communicated to the Bank. 2.2. In case the Customer has conferred a power of Attorney to a third party before opening of his Account or after opening of his

MASHARTI NA MASHARTI

BRN: C07040612 Akaunti ya BenkiMoja/Masharti/Shirika/2019/03, anapaswa kuweka nakala yake iliyosajiliwa kwa Benki mara moja. Usajili huo unapaswa kufanyika nchini Mauritius kupitia ofisi ya mthibitishaji pekee. 2.3. Mabadiliko yoyote katika anwani au katiba ya Mteja na/au taarifa nyingine yoyote inayohitajika kwa madhumuni ya KYC inapaswa kuwasilishwa kwa Benki mara moja. Benki haitawajibika kwa vyovyote vile kwa chuki yoyote, hasara au uharibifu utakaofanywa na Mteja ikiwa Mteja ameshindwa kuarifu Benki kuhusu mabadiliko yoyote katika maelezo ya KYC.

3. DATA YA MTEJA

3.1. The Customer agrees that the Bank may use, hold and process, by computer or otherwise in any location whatsoever any information, including personal information, given by the Customer in his dealings with the Bank, or obtained by the Bank in connection with, or as a result of, the present Terms and Conditions and any information relating to the Customer’s accounts (Data). 3.2. The Customer agrees that the Bank may use Data:

1. kutoa huduma kwa Mteja.
2. kuzingatia wajibu wa kisheria na udhibiti.
3. kwa tathmini ya benki na mikopo, uchambuzi wa takwimu ikijumuisha tabia na alama za mikopo, na kutambua bidhaa na huduma (pamoja na zile zinazotolewa na wahusika wengine) ambazo zinaweza kuwa muhimu kwa Mteja.

1. kwa ridhaa ya Mteja kama ilivyoonyeshwa katika mamlaka ya benki, kumletea Mteja bidhaa na huduma ambazo zinaweza kuwa za manufaa kwa Mteja.

3.3. The Bank may store and process information obtained by the Bank or given by the Customer in his dealings with the Bank on the Bank’s computers and in any other way. 3.4. The Bank may disclose Data:

1. kwa madhumuni ya kuzuia udanganyifu.
2. kwa washirika/washirika wengine wa Kikundi.
3. kwa mashirika ya marejeleo ya mikopo yenye leseni (kuhusiana na uendeshaji wa akaunti yako).
4. kwa wakandarasi wasaidizi, wasambazaji au watu wanaofanya kazi kama mawakala wetu kwa msingi wa kuweka Data kuwa siri. Benki lazima ihakikishe watu kama hao wako chini ya wajibu wa kuweka Data kwa usiri, lakini hawawajibiki kwa Mteja ikiwa watakiuka wajibu huo.

1. kwa mtu yeyote ambaye anaweza kuchukua haki zetu chini ya Kanuni na Masharti ya Jumla.
2. ikiwa Benki ina haki au wajibu wa kufichua au inalazimishwa kufanya hivyo na sheria.

3.5. The Customer can ask for a copy of the personal information the Bank holds about him/her by writing to the Bank.

4.KUFURU

4.1. From time to time, in the matter of operation of the Account held with the Bank, it may be necessary to give instruction/s to the Bank in relation to the said Account. Therefore, the Account holder shall authorize the Bank to act on any such instruction/s received without the need for further verification, to the same extent and effect as if the Account holder had given original signed instruction/s to the Bank. Such instruction/s shall be deemed to be valid, irrespective of whether authorized by the Account holder or not, whether or not accurately communicated and received by the Bank. In this respect, the Bank’s record shall be deemed as conclusive evidence of the said instruction/s. 4.2. The Bank may be requested by the Account holder to act on instruction/s received verbally or in any written form including but not limiting to correspondence letter, mobile text message (SMS), facsimile transmission (fax), email correspondence and any other mode of electronic communication. 4.3. The Bank shall be irrevocably and unconditionally authorized to act on any instruction/s which, it believes to emanate from the Account holder or otherwise appears to comply with the terms of the mandate of the Account, without the need for any further verification, and shall not be liable for acting in good faith on any instruction/s which emanate from unauthorized individuals or in any circumstances whatsoever. 4.4. The Bank may decline, delay or refuse to act on any instruction/s for any reason, including but not limiting to the instruction/s received being incomplete, ambiguous or cannot be carried out due to insufficient funds or otherwise, or the lawfulness of the instruction/s given or for any cause or reason not specified herein, the Bank shall be entitled not to act upon such instruction/s until the precise details, genuineness or lawfulness of those instructions have been established to its reasonable satisfaction. 4.5. The Bank is not responsible for any delay, failure of performance, damage, penalty, cost, expense or inconvenience resulting to the Account holder or any other person from the Bank acting on instruction/s received pursuant hitherto. The Bank shall not be liable to the Account holder or any person for incorrect or improper payment to any person arising out of the processing of any instruction/s pursuant hitherto for any act, omission or duplication by the Bank or any of its officers in the absence of fraud, wilful misconduct or gross negligence. 4.6. Payment instruction/s executed by the Bank is/are irrevocable. Under exceptional circumstances, to be exclusively determined by the Bank and without it being in any way liable or answerable however for any refusal, the Bank may use reasonable endeavours to recall a wire payment upon the Account holder’s instruction/s. However, the Bank cannot guarantee the return of funds to the Account holder. If the Bank is able to obtain a return of funds, the Bank will credit the Account holder’s account at the Bank’s quoted rate of exchange (where foreign currency exchange is requested by the Account holder) on the date such credit is made, less any costs incurred in recalling the transfer.

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/Masharti naMasharti/Shirika/2019/03 4.7. Mmiliki wa Akaunti anakubali kulipa ada za Benki na kufidia makato yoyote na kwa zuio lolote au kodi nyinginezo, na kwa riba na adhabu zozote zinazoweza kulipwa na Benki kuhusiana na fedha zozote zinazotumwa kutoka nje. Mmiliki wa Akaunti anakubali kwamba taasisi zingine za kifedha zinaweza kutoa ada ya usindikaji wa pesa zinazotumwa. Mmiliki wa Akaunti huidhinisha Benki bila kubatilishwa kukatwa kutoka kwa akaunti yoyote ya mwenye Akaunti, iwe nchini Mauritius au kwingineko, kiasi hicho kilicholipwa. Mmiliki wa Akaunti anakubali kwamba utumaji fedha wa kimataifa unategemea kukatwa kwa nyakati, tofauti za saa za eneo na kanuni za eneo la nchi unakoenda. 4.8. Mmiliki wa Akaunti anakubali kufidia na kuiweka Benki bila madhara yoyote dhidi ya na dhidi ya malipo yoyote, malalamiko, gharama, uharibifu, madai, gharama, madeni na hasara ambayo Benki inaweza kupata, kudumisha au kuteseka, kutokana na au kwa sababu ya Uigizaji wa Benki, kuchelewesha kutenda au kukataa kuchukua hatua kulingana na maagizo/maagizo yoyote yaliyopokelewa, kwa mujibu wa Kifungu hiki, ikiwa ni pamoja na bila kuweka kikomo kwa ada za kisheria na malipo yanayotokana na sababu. na Benki.

5. MAHUSIANO

Hakuna chochote katika makubaliano haya kitakachounda wakala, uaminifu, ubia au uhusiano wa ubia kati ya Mteja na Benki.

6. UKALI

Katika tukio ambalo kifungu chochote cha Sheria na Masharti au matumizi ya kifungu chochote kama hicho kwa mtu yeyote au seti ya hali itaamuliwa kuwa batili, kinyume cha sheria, batili au isiyoweza kutekelezeka kwa kiwango chochote, salio la Sheria na Masharti na Sheria na Masharti. matumizi ya masharti hayo kwa watu au mazingira mengine isipokuwa yale ambayo yameamuliwa kuwa ni batili, kinyume cha sheria, batili au hayatekelezeki, hayataharibika au kuathiriwa vinginevyo na yataendelea. kuwa halali na kutekelezwa kwa kiwango kamili kinachoruhusiwa na sheria. Ikiwa kuna watu wawili au zaidi wanaojumuishwa katika usemi “Mteja” basi ahadi na dhima za Mteja chini ya Sheria na Masharti zitakuwa za pamoja na katika ahadi na dhima thabiti zitafafanuliwa ipasavyo na marejeleo hapa ya “Mteja” yatazingatiwa. maana yoyote au zaidi yao. Iwapo Mteja ni shirika la shirika, basi Sheria na Masharti yataendelea kwa nguvu kamili na matokeo na kuendelea kushurutisha kila moja ya kazi na warithi wake.

7. SHERIA INAYOONGOZA

Sheria na Masharti yatasimamiwa na kufafanuliwa kwa mujibu wa sheria za Jamhuri ya Mauritius na migogoro yote, hatua na masuala mengine yanayohusiana nayo yataamuliwa kwa mujibu wa sheria hiyo.

8. MALALAMIKO NA MAONI

Bank One inathamini maoni na inalenga kusuluhisha suala la Mteja yeyote mapema zaidi. Benki ya Kwanza inaweza kufikiwa kupitia chaguo lolote kati ya zilizoorodheshwa hapa chini:

Chaguo 1: Kwa Simu

Mteja anaweza kupiga simu kwenye Kituo chetu cha Mawasiliano kwa (+230) 202 9200 wakati wowote kuanzia saa 08:45 hadi 16:30. Bank One ina laini maalum ya 2029203 ili kuchukua maoni, malalamiko au mapendekezo yoyote, inayofanya kazi kuanzia saa 08:45 hadi 16:30.

Chaguo 2: Andika kwa Benki ya Kwanza

Mteja anaweza kuchagua kushughulikia maoni yake, malalamiko kwa: Idara ya Uzoefu wa Wateja

Bank One Limited
16, Sir William Newton Street
Port Louis

Chaguo 3: Barua pepe Benki ya Kwanza

Tuma barua pepe ya Benki kwenye [email protected]

Chaguo 4: Kupitia tovuti ya Bank One

Tembelea tovuti ya Benki www.bankone.mu na Mteja anaweza kutuma ujumbe wake katika sehemu ya maoni/malalamiko.

Chaguo la 5: Masanduku ya Maoni/Malalamiko

Mteja anaweza kutaka kujaza mojawapo ya vipeperushi vya maoni vya Benki na kuyaweka kwenye kisanduku cha maoni kinachopatikana katika matawi yetu yote.

Chaguo la 6: Zungumza na mfanyakazi yeyote

Wasiliana na Meneja Uhusiano, Meneja wa Tawi au mwakilishi yeyote wa benki na utoe maoni/pendekezo au wasiwasi wowote.

Muda wa kutatua masuala

Benki ya Kwanza itamtumia Mteja hati ya kukiri ndani ya saa 24 baada ya kupokelewa ikiwa malalamiko yake hayajatatuliwa papo hapo. Mteja anaweza kupigiwa simu kwa jibu la haraka ili kuhakikisha kuwa Benki ina ukweli wote sahihi.

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/Masharti/Masharti/Shirika/2019/03 Jibu la malalamiko yoyote litategemea utata wa suala hilo na Mteja atafahamishwa ikiwa suala linalochunguzwa linahitaji muda wa ziada kutatuliwa, yaani zaidi ya siku 10 za kalenda. Katika hali zote, malalamiko huzingatiwa kikamilifu na kwa haki na hatua zinazofaa zitachukuliwa ili kuhakikisha kwamba kurudia kama hivyo kunapunguzwa.

Katika kesi ya kutoridhika

Ikiwa Mteja bado hajaridhika na jibu lililotolewa na benki au hajapata jibu baada ya muda wa siku 10 za kalenda kuanzia tarehe ambayo malalamiko yalitolewa, anaweza kuwasilisha malalamiko yake kwa maandishi kwa Ofisi ya Ombudsperson for Financial. Huduma. Malalamiko kwa Ofisi ya Mchunguzi wa Huduma za Kifedha yanapaswa kuambatanishwa na yafuatayo:

• Jina na anwani ya mteja;
• Jina na anuani ya Bank One Limited;
• Asili ya malalamiko na ukweli na mazingira yanayosababisha malalamiko;
• Msaada ulitafutwa;
• Tamko la maandishi kuhusu kwamba malalamiko yalitolewa kwa Bank One Limited kwa njia ya posta iliyosajiliwa, pamoja na ushauri wa kuwasilisha, na kwamba ana maslahi ya kutosha katika suala la malalamiko.

• Tamko la kama Bank One Limited ilijibu malalamiko hayo;
• Nakala ya jibu, kama ipo, kutoka Bank One Limited; na
• Nakala ya hati ambazo mteja anapendekeza kutegemea.

Kudhibiti Watu – wanafafanuliwa kama watu wa asili ambao wana udhibiti juu ya chombo. Kwa upande wa Dhamana hii ina maana –

• makazi;
• wadhamini;
• mlinzi (ikiwa yupo);
• watia saini walioidhinishwa;
• walengwa au tabaka la walengwa; na
• mtu mwingine yeyote asilia anayetumia udhibiti kamili juu ya Dhamana.

Iwapo ni Kampuni hii inamaanisha-

• wanahisa;
• walengwa au wamiliki wa mwisho wa manufaa; na
• mtu mwingine yeyote wa asili anayetumia udhibiti kamili juu ya Kampuni.

Katika kesi ya Msingi hii inamaanisha –

• Wajumbe wa Baraza;
• Mwanzilishi;
• Mtekelezaji;
• Walengwa;
• Mlinzi;
• watia saini walioidhinishwa;
• walengwa au tabaka la walengwa; na
• mtu mwingine yeyote wa asili anayetumia udhibiti kamili juu ya Msingi.

Taasisi ya fedha ya kigeni isiyoshiriki – FFI ambayo haiingii makubaliano na IRS inajulikana kama “taasisi ya fedha ya kigeni isiyoshiriki” (NPFFI), na inaweza kukatwa kodi chini ya FATCA. Taasisi ya fedha ya kigeni inayoshiriki – FFI ambayo inaingia katika mkataba wa FFI na IRS inajulikana kama “taasisi ya fedha ya kigeni inayoshiriki” (PFFI). Muundo wa Kuripoti 1 FFI – Neno Muundo wa Kuripoti 1 FFI maana yake ni Taasisi ya Fedha ambayo serikali isiyo ya Marekani au wakala wake inakubali kupata na kubadilishana taarifa kwa mujibu wa Model 1 IGA, isipokuwa Taasisi ya Fedha inayochukuliwa kama Fedha Isiyoshiriki. Taasisi chini ya Model 1 IGA.

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/TermsandConditions/Corporate/2019/03 Reporting Model 2 FFI – Model 2 IGA maana yake ni makubaliano au mpangilio kati ya Marekani au Idara ya Hazina na serikali ya kigeni au wakala mmoja au zaidi kutekeleza FATCA kupitia kuripoti na FFIs moja kwa moja IRS kwa mujibu wa mahitaji ya makubaliano ya FFI, yakiongezewa na kubadilishana habari kati ya serikali ya kigeni au wakala kama huo. yake na IRS. FFI katika eneo la mamlaka la Model 2 la IGA ambalo limeingia katika makubaliano ya FFI ni FFI inayoshiriki, lakini inaweza kujulikana kama Model 2 ya FFI inayoripoti. IGA FFI isiyoripoti – Taasisi ya Fedha katika eneo la mamlaka ambayo haijatia saini IGA na serikali ya Marekani. NFFE ni huluki yoyote isiyo ya Marekani chini ya Makubaliano ya Marekani ambayo haichukuliwi kama Taasisi ya Fedha. Kwa kweli, hii inaweza kutumika kwa kampuni yoyote, ubia, uaminifu, msingi au huluki nyingine yoyote ya kisheria ambayo si Taasisi ya Fedha. Kuna aina mbili za NFFE:

• NFFE inayotumika
• NFFE tulivu

NFFE, iwe Inayotumika au Inayotumika, haina masharti ya usajili. Badala yake, ni jukumu la Taasisi ya kifedha ambayo NFFE ina uhusiano nayo kupata uthibitishaji wa kibinafsi kutoka kwa NFFE ili kubaini hali yake. Pale ambapo NFFE haitoshi, taasisi ya fedha inapaswa kuomba taarifa kuhusu Watu Wanaodhibiti wa NFFE hiyo na kuripoti kwa mamlaka ya kodi ya ndani kuhusiana na Watu hao Wadhibiti. NFFE Inayotumika – NFFE Inayotumika inamaanisha NFFE yoyote ambayo inakidhi vigezo fulani vilivyobainishwa ikiwa ni pamoja na vifuatavyo:

1. chini ya 50% ya mapato yake ya jumla kwa mwaka wa kalenda uliotangulia ni mapato tulivu na chini ya 50% ya asilimia ya wastani ya uzani wa mali inayomilikiwa nayo ni mali zinazozalishwa au zinazoshikiliwa kwa uzalishaji wa mapato tulivu (yaani gawio, malipo ya riba. nk);

2. hisa za NFFE zinauzwa mara kwa mara kwenye soko la dhamana lililoanzishwa au NFFE inahusiana na huluki kama hiyo;
3. NFFE bado haiendeshi biashara na haina historia ya awali ya uendeshaji, lakini inawekeza mtaji katika mali kwa nia ya kuendesha biashara isipokuwa ile ya Taasisi ya Fedha, mradi tu NFFE haitafuzu kwa ubaguzi huu baada ya muda wa Miaka 2 kutoka kuanzishwa / kuanzishwa;

4. NFFE ni “NFFE isipokuwa” kama ilivyofafanuliwa katika Kanuni husika za Hazina ya Marekani; au
5. NFFE imeanzishwa na kuendeshwa katika mamlaka yake ya makazi kwa ajili ya kidini, hisani, sayansi, kisanii, kitamaduni pekee,

riadha, au madhumuni ya elimu; au imeanzishwa na kuendeshwa katika mamlaka yake ya makazi na ni shirika la kitaaluma, ligi ya biashara, chumba cha biashara, shirika la kazi, shirika la kilimo au bustani, ligi ya raia au shirika linaloendeshwa kwa ajili ya kukuza ustawi wa jamii pekee na masharti mengine. wameridhika. NFFE tulivu – NFFE tulivu ni NFFE ambayo si:

• NFFE Inayotumika; au
• ubia wa kigeni unaokatwa kodi au amana ya kigeni yenye kodi inayokatwa kwa mujibu wa Kanuni za Hazina za Marekani zinazohusika.

Mmiliki wa Akaunti – Mtu aliyeorodheshwa au kutambuliwa kama mmiliki wa Akaunti ya Fedha na Taasisi ya Fedha inayotunza akaunti. Hii ni bila kujali kama mtu kama huyo ni Huluki inayopita. Kwa hivyo, kwa mfano, ikiwa amana au mali imeorodheshwa kama mmiliki au mmiliki wa Akaunti ya Fedha, amana au mali ni Mmiliki wa Akaunti, badala ya mdhamini au wamiliki au wanufaika wa amana. Vile vile, ikiwa ushirikiano umeorodheshwa kama mmiliki au mmiliki wa Akaunti ya Fedha, ushirikiano ni Mwenye Akaunti, badala ya washirika katika ushirikiano. Mtu, isipokuwa Taasisi ya Fedha, anayemiliki Akaunti ya Fedha kwa manufaa au akaunti ya mtu mwingine kama wakala, mtunzaji, mteule, mtiaji saini, mshauri wa uwekezaji, au mpatanishi, hachukuliwi kama mwenye akaunti, na mtu mwingine kama huyo anachukuliwa. kama kushikilia akaunti. Udhibiti – Kwa ujumla unafanywa na mtu(watu) wa kawaida ambaye hatimaye ana nia ya kudhibiti umiliki (kawaida kwa misingi ya asilimia fulani (km 20%)) katika Shirika. Iwapo hakuna mtu/watu wa asili wanaodhibiti kupitia maslahi ya umiliki, Mdhibiti/watu wa Shirika atakuwa mtu/watu wa asili wanaotumia udhibiti wa Shirika kupitia njia nyinginezo. Iwapo hakuna mtu/watu wa asili wanaotambuliwa kuwa wanadhibiti Shirika kupitia maslahi ya umiliki, basi chini ya CRS Mtu Anayeripotiwa atachukuliwa kuwa mtu wa kawaida ambaye anashikilia wadhifa wa afisa msimamizi mkuu. Kudhibiti Watu – Watu wa asili ambao hutumia udhibiti juu ya chombo. Iwapo huluki hiyo inachukuliwa kuwa Shirika lisilo la Kifedha Tuli (“Passive NFE”) basi Taasisi ya Kifedha inahitajika ili kubaini kama Watu hawa Wadhibiti ni Watu Wanaoripotiwa au la. Ufafanuzi huu unalingana na neno “mmiliki manufaa” lililofafanuliwa katika Pendekezo la 10 na Maelezo ya Ufafanuzi kuhusu Pendekezo la 10 la Mapendekezo ya Kikosi Kazi cha Kifedha (kama yalivyopitishwa Februari 2012). Katika kesi ya amana, Mtu(watu) anayedhibiti ni wakaaji, wadhamini, mlinzi (ikiwa wapo), wanufaika (walengwa) au tabaka (wa)wanufaika wasio na faida, au mtu/watu wengine wowote wa asili wanaotumia udhibiti kamili juu ya uaminifu (ikiwa ni pamoja na kupitia msururu wa udhibiti au umiliki). Chini ya CRS wakaaji, wadhamini, mlinzi (ikiwa wapo), na wanufaika (watu) au tabaka la wanufaika, daima huchukuliwa kama Watu Wanaodhibiti wa amana, bila kujali. ya iwapo yeyote kati yao ana udhibiti wa shughuli za amana au la.

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/Masharti/Masharti/Shirika/2019/03 Pale ambapo wakaaji wa amana ni Shirika basi CRS inahitaji Taasisi za Kifedha pia kutambua Wasimamizi wa makazi/wakaazi na inapohitajika kuwaripoti kama Watu Wanaodhibiti. ya uaminifu. Katika kesi ya mpango wa kisheria isipokuwa amana, “Mtu/watu” inamaanisha watu walio katika nyadhifa zinazolingana au sawa. Taasisi ya Malipo – Huluki Yoyote ambayo inamiliki, kama sehemu kubwa ya biashara yake, Mali za Fedha kwa akaunti ya wengine. Hapa ndipo mapato ya jumla ya Shirika yanayotokana na umiliki wa Rasilimali za Fedha na huduma zinazohusiana za kifedha yanapolingana au kuzidi 20% ya mapato ya jumla ya Shirika katika kipindi kifupi cha: (i) kipindi cha miaka mitatu kinachoisha tarehe 31 Desemba (au mwisho). siku ya kipindi cha uhasibu cha mwaka usio wa kalenda) kabla ya mwaka ambao uamuzi unafanywa; au (ii) kipindi ambacho Shirika limekuwepo. Taasisi ya Malipo – Shirika lolote linalokubali amana katika shughuli za kawaida za benki au biashara kama hiyo. Huluki – Mtu wa kisheria au mpango wa kisheria, kama vile shirika, shirika, ubia, uaminifu au msingi. Neno hili linahusu mtu yeyote isipokuwa mtu binafsi (yaani mtu wa kawaida). Taasisi ya Fedha – “Taasisi ya Uhifadhi”, “Taasisi ya Hifadhi”, “Shirika la Uwekezaji”, au “Kampuni Maalum ya Bima”. Tafadhali angalia mwongozo husika wa nyumbani na CRS kwa ufafanuzi zaidi wa uainishaji unaotumika kwa Taasisi za Fedha. Huluki ya Uwekezaji – Inajumuisha aina mbili za Mashirika: (i) Huluki ambayo kimsingi hufanya kama biashara moja au zaidi ya shughuli au shughuli zifuatazo kwa au kwa niaba ya mteja:

• Biashara katika vyombo vya soko la fedha (hundi, bili, vyeti vya amana, derivatives, nk); fedha za kigeni; kubadilishana,
• viwango vya riba na vyombo vya index; dhamana zinazoweza kuhamishwa; au biashara ya baadaye ya bidhaa;
• Usimamizi wa mtu binafsi na wa pamoja wa kwingineko; au
• Vinginevyo kuwekeza, kusimamia, au kusimamia Raslimali za Fedha au pesa kwa niaba ya watu wengine.
• Shughuli au shughuli kama hizo hazijumuishi kutoa ushauri wa uwekezaji usiomfunga mteja.

(ii) Aina ya pili ya “Shirika la Uwekezaji” (“Shirika la Uwekezaji linalosimamiwa na Taasisi nyingine ya Fedha”) ni Taasisi yoyote ambayo mapato yake yanachangiwa hasa na kuwekeza, kuwekeza upya au kufanya biashara katika Raslimali za Kifedha ambapo Shirika linasimamiwa na shirika lingine. Huluki ambayo ni Taasisi ya Hifadhi, Taasisi ya Uhifadhi, Kampuni Iliyoainishwa ya Bima, au aina ya kwanza ya Shirika la Uwekezaji. Shirika la Uwekezaji lililo katika Eneo Lisiloshiriki na kusimamiwa na Taasisi nyingine ya Fedha – Shirika lolote ambalo mapato yake yanachangiwa hasa na kuwekeza, kuwekeza upya au kufanya biashara katika Rasilimali za Fedha ikiwa Shirika (i) linasimamiwa na Taasisi ya Fedha na ( ii) sio Taasisi ya Fedha ya Mamlaka inayoshiriki. Shirika la Uwekezaji linalosimamiwa na Taasisi nyingine ya Fedha – Shirika “linasimamiwa na” Shirika lingine ikiwa Shirika linalosimamia litatekeleza, moja kwa moja au kupitia kwa mtoa huduma mwingine kwa niaba ya Shirika linalosimamiwa, shughuli au shughuli zozote zilizofafanuliwa katika kifungu (i) hapo juu. katika ufafanuzi wa ‘Shirika la Uwekezaji’. Huluki inadhibiti Huluki nyingine ikiwa ina mamlaka ya hiari ya kudhibiti mali za Shirika lingine (zima zima au sehemu). Pale ambapo Shirika linasimamiwa na mchanganyiko wa Taasisi za Kifedha, NFE au watu binafsi, Taasisi inachukuliwa kuwa inasimamiwa na Taasisi nyingine ambayo ni Taasisi ya Hifadhi, Taasisi ya Uhifadhi, Kampuni Iliyoainishwa ya Bima, au aina ya kwanza ya Taasisi ya Uwekezaji. Taasisi yoyote inayosimamia ni Shirika lingine kama hilo. NFE – Huluki yoyote ambayo si FI. Kuna aina mbili za NFEs:

• NFE inayotumika
• Passive NFE

(a) NFE inayotumika

Neno “NFE Inayotumika” linamaanisha NFE yoyote ambayo inakidhi vigezo vyovyote kati ya vifuatavyo: (i) chini ya asilimia 50 ya mapato ya jumla ya NFE kwa mwaka wa kalenda uliotangulia ni mapato tulivu na chini ya 50% ya mali inayomilikiwa na NFE wakati wa mwaka wa kalenda iliyotangulia ni mali zinazozalisha au zinashikiliwa kwa ajili ya uzalishaji wa mapato ya passiv; (ii) hisa za NFE zinauzwa mara kwa mara kwenye soko la dhamana lililoanzishwa au NFE ni Huluki Husika ya huluki ambayo hisa yake inauzwa mara kwa mara kwenye soko la dhamana lililoanzishwa; (iii) NFE ni Huluki ya Kiserikali, Shirika la Kimataifa, Benki Kuu, au huluki inayomilikiwa kabisa na moja au zaidi kati ya hayo yaliyotangulia; (iv) kwa kiasi kikubwa shughuli zote za NFE zinajumuisha kushikilia (kwa ujumla au sehemu) hisa iliyosalia ya, au kutoa ufadhili na huduma kwa, kampuni tanzu moja au zaidi zinazojihusisha na biashara au biashara isipokuwa biashara ya FI. , isipokuwa kwamba huluki haistahiki hadhi hii ikiwa huluki itafanya kazi (au inajizuia) kama hazina ya uwekezaji, kama vile hazina ya hisa za kibinafsi, hazina ya mtaji, iliyopatikana. buyout fund, au gari lolote la uwekezaji ambalo madhumuni yake ni kupata au kufadhili makampuni na kisha kushikilia maslahi katika makampuni hayo kama mali ya mtaji kwa madhumuni ya uwekezaji;

MASHARTI NA MASHARTI

BRN: C07040612 BankOne/TermsandConditions/Corporate/2019/03 (v) NFE bado haifanyi biashara na haina historia ya awali ya uendeshaji, lakini inawekeza mtaji katika mali kwa nia ya kuendesha biashara isipokuwa ile ya FI, mradi NFE haistahiki ubaguzi huu baada ya tarehe ambayo ni miezi 24 baada ya tarehe ya shirika la awali la NFE; (vi) NFE haikuwa FI katika kipindi cha miaka mitano iliyopita, na iko katika harakati za kufilisi mali zake au inajipanga upya kwa nia ya kuendelea au kuanzisha upya shughuli katika biashara isipokuwa ile ya FI; (vii) NFE kimsingi hujihusisha katika ufadhili na uadilifu wa miamala na, au kwa, Mashirika Husika ambayo si FIs, na haitoi huduma za ufadhili au ua kwa huluki yoyote ambayo si Huluki Husika, mradi tu kundi la Mashirika yoyote kama hayo Mashirika kimsingi yanajishughulisha na biashara zaidi ya ile ya FI; au (viii) NFE inakidhi mahitaji yote yafuatayo:

1. imeanzishwa na kuendeshwa katika mamlaka yake ya makazi kwa madhumuni ya kidini, hisani, sayansi, kisanii, kitamaduni, riadha, au elimu pekee; au inaanzishwa na kuendeshwa katika mamlaka yake ya makazi na ni shirika la kitaaluma, ligi ya biashara, chumba cha biashara, shirika la kazi, shirika la kilimo au bustani, ligi ya kiraia au shirika linaloendeshwa mahususi kwa ajili ya kukuza ustawi wa jamii;

1. ni msamaha kutoka kwa kodi ya mapato katika mamlaka yake ya makazi;
2. haina wanahisa au wanachama ambao wana maslahi ya umiliki au manufaa katika mapato au mali zake;
3. sheria zinazotumika za mamlaka ya makazi ya NFE au hati za uundaji wa NFE haziruhusu mapato au mali yoyote ya NFE kusambazwa kwa, au kutumika kwa manufaa ya, mtu binafsi au shirika lisilo la kutoa misaada isipokuwa kwa mujibu wa mwenendo. ya shughuli za usaidizi za NFE, au kama malipo ya fidia inayofaa kwa huduma zinazotolewa, au kama malipo yanayowakilisha thamani ya soko ya mali ambayo NFE inayo. kununuliwa; na

1. sheria zinazotumika za mamlaka ya makazi ya NFE au hati za uundaji wa NFE zinahitaji kwamba, NFE inapofilisiwa au kufutwa, mali zake zote zigawiwe kwa Shirika la Kiserikali au shirika lingine lisilo la faida, au zipelekwe kwa serikali iliyo chini ya mamlaka ya NFE. ya makazi au mgawanyiko wowote wa kisiasa.

Mapato ya Uchumi – Kwa ujumla yangezingatiwa kujumuisha sehemu ya mapato ya jumla ambayo inajumuisha: a). gawio; b). riba; c). mapato sawa na riba; d). kodi na mirahaba, zaidi ya kodi na mirahaba inayotokana na uendeshaji hai wa biashara inayofanywa, angalau kwa sehemu, na wafanyakazi wa NFE; e). malipo ya mwaka; f). ziada ya faida juu ya hasara kutokana na uuzaji au ubadilishanaji wa Raslimali za Fedha ambayo huzaa mapato tulivu yaliyoelezwa hapo awali; g). ziada ya faida juu ya hasara kutoka kwa miamala (ikijumuisha yajayo, ya mbele, chaguo, na miamala kama hiyo) katika Rasilimali zozote za Fedha; h). ziada ya faida ya fedha za kigeni juu ya upotevu wa fedha za kigeni; i). mapato halisi kutoka kwa kubadilishana; au j). kiasi kilichopokelewa chini ya Mikataba ya Bima ya Thamani ya Fedha. Mapato tulivu hayatajumuisha, katika kesi ya NFE ambayo hufanya kazi kama muuzaji wa Raslimali za Fedha mara kwa mara, mapato yoyote kutoka kwa shughuli yoyote inayoingiwa katika mchakato wa kawaida wa biashara ya muuzaji kama muuzaji kama huyo.

(b) Passive NFE

Neno “Passive NFE” linamaanisha yoyote: (i) NFE ambayo si NFE Inayotumika; au (ii) Shirika la Uwekezaji lililofafanuliwa katika Sehemu ya VIII A (6) ya CRS, ambayo si Taasisi ya Fedha ya Mamlaka ya Kushiriki.

FI Isiyoripoti:

• Shirika la Kiserikali, Shirika la Kimataifa au Benki Kuu, isipokuwa kwa malipo yanayotokana na wajibu unaohusishwa na shughuli za kifedha za kibiashara za aina inayohusika na Kampuni Iliyoainishwa ya Bima, Taasisi ya Uhifadhi, au Taasisi ya Amana;

• Mfuko mpana wa Kustaafu wa Ushiriki; Mfuko Mdogo wa Kustaafu wa Ushiriki; Mfuko wa Pensheni wa Taasisi ya Kiserikali, Kimataifa

Shirika au Benki Kuu; au Mtoaji wa Kadi ya Mkopo Aliyehitimu;

• Gari la Uwekezaji wa Pamoja lisilo na Msamaha; au
• Dhamana Iliyo na Hati ya Mdhamini: amana ambapo mdhamini wa amana ni Taasisi ya Kifedha inayoripoti na inaripoti taarifa zote zinazohitajika kuripotiwa kuhusiana na Akaunti zote Zinazoripotiwa za amana;

• nyingine yoyote iliyofafanuliwa katika sheria ya nchi kama Taasisi ya Fedha Isiyoripoti.

MASHARTI NA MASHARTI

BRN: C07040612 BenkiMoja/Masharti/Masharti/Shirika/2019/03 Mamlaka ya Mamlaka ya Taasisi ya Fedha – ina maana (i) Taasisi yoyote ya Fedha ambayo ni mkazi wa kodi katika Eneo Linaloshiriki, lakini haijumuishi tawi lolote la Taasisi hiyo ya Fedha ambalo liko nje ya eneo la mamlaka hiyo, na (ii) tawi lolote la Taasisi ya Fedha ambalo si mkazi wa kodi katika a Mamlaka ya Kushiriki, ikiwa tawi hilo liko katika Mamlaka hiyo Shiriki. Huluki Husika – Huluki ni “Huluki Husika” ya Huluki nyingine ikiwa huluki inadhibiti Huluki nyingine, au Huluki hizo mbili ziko chini ya udhibiti wa pamoja. Kwa madhumuni haya, udhibiti unajumuisha umiliki wa moja kwa moja au usio wa moja kwa moja wa zaidi ya 50% ya kura na thamani katika Shirika. Akaunti Inayoripotiwa – Akaunti inayoshikiliwa na Mtu mmoja au zaidi Anayeweza Kuripotiwa au na Passive NFE yenye Mtu mmoja au zaidi anayedhibiti ambaye ni Mtu Anayeweza Kuripotiwa. Mamlaka Zinazoweza Kuripotiwa – Eneo lolote/nchi au eneo/nchi nyingine yoyote ambayo ni sehemu ya Makubaliano ya Kubadilishana Taarifa Kiotomatiki na Shirika la Ushirikiano wa Kiuchumi na Maendeleo. Ili kuona orodha ya mamlaka inayoweza kuripotiwa tafadhali tembelea tovuti ya MRA katika http://www.mra.mu/download/jurisdictions.pdf Mtu wa Mamlaka Inayoripotiwa – Shirika ambalo ni mkazi wa kodi katika Mamlaka Zinazoweza Kuripotiwa chini ya sheria za kodi za mamlaka kama hayo – kwa kurejelea sheria za nchi katika nchi ambapo Shirika limeanzishwa, kujumuishwa au kusimamiwa. Huluki kama vile ubia, ubia wa dhima yenye mipaka au mpangilio sawa wa kisheria ambao hauna makazi kwa madhumuni ya kodi itachukuliwa kuwa mkazi katika eneo la mamlaka ambamo eneo lake la usimamizi madhubuti liko. Kwa hivyo, ikiwa Huluki itathibitisha kwamba haina makazi kwa madhumuni ya kodi inapaswa kujaza fomu inayoonyesha anwani ya ofisi yake kuu. Mashirika ya Wakaazi wawili yanaweza kutegemea sheria za kuvunja mkataba zilizo katika kanuni za kodi (ikiwa zinatumika) ili kubainisha makazi yao kwa madhumuni ya kodi. Mtu Anayeweza Kuripotiwa – anafafanuliwa kama “Mtu Anayeweza Kuripotiwa”, isipokuwa:

• shirika ambalo hisa yake inauzwa mara kwa mara kwenye soko moja au zaidi ya dhamana;
• shirika lolote ambalo ni Shirika Husika la shirika lililoelezwa katika kifungu cha (i);
• Taasisi ya Kiserikali;
• Shirika la Kimataifa;
• Benki Kuu; au
• Taasisi ya Fedha (isipokuwa Shirika la Uwekezaji lililofafanuliwa katika Aya ndogo ya A(6) b) ya CRS ambayo haina Mamlaka ya Kushiriki.

Taasisi za Fedha. Badala yake, Mashirika kama haya ya Uwekezaji yanachukuliwa kama Passive NFE’s.) Mkazi kwa madhumuni ya kodi – Kila eneo la mamlaka lina sheria zake za kufafanua makazi ya kodi, na mamlaka yametoa maelezo kuhusu jinsi ya kubaini kama huluki ni mkazi wa kodi katika mamlaka ya OECD kiotomatiki. kubadilishana habari portal. Kwa ujumla, Shirika litakuwa mkazi kwa madhumuni ya kodi katika eneo la mamlaka ikiwa, chini ya sheria za eneo hilo (ikiwa ni pamoja na mikataba ya kodi), inalipa au inapaswa kuwa inalipa kodi kwa sababu ya makazi yake, makazi yake, mahali pa usimamizi au shirika, au kigezo kingine chochote cha asili sawa, na sio tu kutoka kwa vyanzo katika mamlaka hiyo. Mashirika ya Wakaazi wawili yanaweza kutegemea sheria za kuvunja masharti zilizo katika kanuni za kodi (ikiwa zinatumika) kutatua kesi za makazi mara mbili ili kubaini makazi yao kwa madhumuni ya kodi. Huluki kama vile ubia, ubia wa dhima yenye mipaka au mpangilio sawa wa kisheria ambao hauna makazi kwa madhumuni ya kodi itachukuliwa kuwa mkazi katika eneo la mamlaka ambamo eneo lake la usimamizi madhubuti liko. Kwa maelezo ya ziada kuhusu makazi ya kodi, tafadhali zungumza na mshauri wako wa kodi au angalia ubadilishanaji wa habari kiotomatiki wa OECD. Mistari Yetu ya Biashara

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