UPDATE
TERMS AND CONDITIONS
BNI MOBILE BANKING
Last Updated: 10 March 2026
I. DEFINITION
1. Activation is the process of activating a BNI Mobile Banking User ID so that it can be used to conduct Financial Transactions and Non-Financial Transactions on BNI Mobile Banking.
2. The Bank is PT Bank Negara Indonesia (Persero) Tbk, which includes the Head Office, Branch Offices, and other offices that are an integral part of PT Bank Negara Indonesia (Persero) Tbk.
3. BNI Mobile Banking is an electronic channel facility from Bank Negara Indonesia that is owned, developed, and managed, as well as accessed and used by Customer Users via smartphones.
4. BNI Call 1500046 is a 24-hour service that customers can easily access to interact with the Bank via the 1500046 telephone line.
5. The Customer Experience Center (CXC) consists of officers from the BNI Customer Experience Center who receive complaints submitted by customers via BNI Call 1500046.
6. Personal Data is data about an individual who is identified or can be identified individually or in combination with other information, either directly or indirectly, through electronic or non-electronic systems.
7. The Privacy Policy is a form of information disclosure from the Bank that explains to Customers how the Bank obtains and collects, processes, analyzes, uses, stores, corrects and updates, displays, announces, transfers, disseminates, discloses, deletes and/or destroys Customer Personal Data, as well as the rights of Customers as subjects of Personal Data based on the provisions of LawLaw Number 27 of 2022 concerning Personal Data Protection along with amendments and implementing regulations and other applicable and relevant laws and regulations.
8. The One Time Password code (hereinafter referred to as OTP Code) is a one-time authentication code sent to Customers to validate the BNI Mobile Banking Registration process. The OTP Code is sent by the BNI Mobile Banking system to the email address and/or smartphone number (via SMS or WhatsApp) of the Customer that has been registered/recorded in the BNI system when the Customer registers for BNI Mobile Banking. The means of delivery of the OTP Code is determined by the Customer.
9. Official Bank Media are the means of delivering official information from the Bank to Customers, including websites/SMS/WhatsApp/Electronic Mail/BNI Call/letters/official publications in the mass media.
10. A Merchant is a provider of goods or services that accepts payments using the Quick Response Indonesia Standard (QRIS).
11. The MPM (Merchant Presented Mode) method is a form of digital payment transaction method in which the Merchant displays a QR Code to the Customer to be scanned through a payment application as part of the payment process and/or by uploading the Merchant's QR Code from the Customer's Smartphone photo gallery.
12. The CPM (Customer Presented Mode) method is a form of digital payment transaction method in which the customer (as the buyer) displays a QR Code through a payment application that is shown to the merchant to be scanned by the merchant as part of the payment process.
13. MPIN is an access/login code for the BNI Mobile Banking application consisting of 6 (six) confidential numbers (only known to legitimate Customer Users), which are created by the Customer when activating BNI Mobile Banking and must be entered every time the BNI Mobile Banking application is accessed. MPIN can be changed at any time by Customer Users through the BNI Mobile Banking application.
14. A Customer is an individual who owns products provided by the Bank, such as but not limited to Savings Accounts, Personal Checking Accounts, and Credit Cards.
15. User Customers are Customers who have registered as users of the BNI Mobile Banking application.
16. Transaction Password is a password for authorizing certain Financial Transactions and/or Non-Financial Transactions that is confidential (only known to the legitimate User Customer), created by the Customer when activating BNI Mobile Banking and can be changed at any time by the User Customer.
17. Quick Response Code (QR Code) is a type of matrix code or two-dimensional code designed to store information efficiently and can be read quickly by a scanner.
18. Quick Response Code Indonesian Standard (QRIS) is a Payment QR Code standard established by Bank Indonesia to be used in facilitating payment transactions in Indonesia.
19. A QR Code Payment is a two-dimensional code consisting of three square patterns in the lower left corner, upper left corner, and upper right corner, with black modules in the form of square dots or pixels, and has the ability to store alphanumeric data, characters, and symbols, which is used to facilitate contactless payment transactions through scanning.
20. QRIS Cross Border is a digital payment system that connects payments between countries outside the territory of the Republic of Indonesia that have collaborated with banks through the interconnection of national payment QR codes, which is one of the implementations of the Indonesian Payment System Blueprint.
21. Registration is the process of creating a BNI Mobile Banking User ID by customers on one smartphone, which can be done online (independently) or through a branch office.
22. An account is a deposit of funds in rupiah or foreign currency, which can be in the form of a savings or personal checking account.
23. The Complaint Resolution Service Level Agreement, hereinafter referred to as the Complaint Resolution SLA, is the basic reference for resolving complaints in the banking world as determined by the regulatory authorities (i.e., Bank Indonesia and/or the Financial Services Authority).
24. A smartphone is a mobile phone with advanced capabilities that runs on operating system software that provides standard and fundamental connections for application developers.
25. Financial Transactions are transactions that result in financial changes (debits or credits) to the accounts of BNI Mobile Banking users.
26. Non-Financial Transactions are transactions that do not result in financial changes to the accounts of BNI Mobile Banking users.
27. User ID is the Customer User's confidential identity (only known to the legitimate Customer User), which is created by the Customer during BNI Mobile Banking Registration and must be entered/inputted every time the BNI Mobile Banking application is accessed.
II. GENERAL PROVISIONS
1. To be able to use the BNI Mobile Banking facility, prospective BNI Mobile Banking Users must meet the applicable BNI Mobile Banking membership requirements.
2. BNI Mobile Banking membership can be terminated unilaterally by the User Customer or by the Bank.
3. To use BNI Mobile Banking facilities, prospective users must first register for BNI Mobile Banking to create a User ID.
4. The Customer User is required to update their data with the Bank whenever there is a change in their personal data, particularly changes to their email address and/or active smartphone number.
5. Any losses incurred as a result of the Customer User's failure to update their data with the Bank, particularly changes to the Customer's email address and/or active smartphone number, shall be the sole responsibility of the Customer User.
III. MEMBERSHIP REQUIREMENTS
1. Have an Individual Savings Account (BNI Taplus, BNI Taplus Bisnis, BNI Taplus Muda, BNI Taplus Anak, BNI Taplus Anggota/Pegawai, BNI Emerald, or other individual savings products and/or Bank Credit Cards that will be developed in the future) or Individual Current Account.
2. Have an active smartphone number and personal email address that is still in use by the Customer.
3. Have read, understood, and agreed to the Terms and Conditions of BNI Mobile Banking.
IV. BNI MOBILE BANKING REGISTRATION
Registration for BNI Mobile Banking can be done through 2 (two) alternatives, as follows:
1. Registration through a Bank Branch Office
a. Registration for BNI Mobile Banking must be done by the customer themselves (no representatives allowed) by bringing the original documents as required by BNI Mobile Banking. The original documents that must be brought by the customer are:
1) Identity card (KTP);
2) Proof of account ownership; or
3) BNI Debit Card
b. Registration can only be done at the nearest Bank Branch Office by bringing one of the above documents and filling out the BNI Mobile Banking Customer service application form.
c. Customers are required to register their personal smartphone number and are prohibited from registering another person's smartphone number for any reason.
d. Risks arising from negligence and/or misuse of data by Customers during the Registration process, such as registering a smartphone number that does not belong to them, shall be the sole responsibility of the Customer.
e. After obtaining a User ID, the Customer User shall activate it as referred to in point 5 of these Terms and Conditions.
2. Registration via BNI Mobile Banking
a. Registration via BNI Mobile Banking is carried out on the BNI Mobile Banking application that has been downloaded by the Customer, by preparing the following documents:
1) Account number;
2) ATM card number;
3) ATM card PIN;
4) National ID number; and
5) Email address.
b. Customers enter their ATM card information, including the last 8 (eight) digits of their ATM card number, ATM card PIN, date of birth, NIK, email, location, referral code (optional), and then create a User ID.
c. The customer will receive an OTP code sent to the email registered by the customer in BNI Mobile Banking and/or to the customer's smartphone number (via SMS or WhatsApp) that has been registered/recorded in the BNI system.
d. The customer enters the OTP code received as a form of verification.
e. After entering the OTP code, the User ID will be created, and the Customer User will then proceed with the Activation as referred to in point 5 of these Terms and Conditions.
f. Risks arising from negligence and/or misuse of data by Customers during the Registration process shall be the sole responsibility of the Customer.
V. MEMBERSHIP STATUS ACTIVATION
1. Activation can only be done through the BNI Mobile Banking application downloaded on the Customer's smartphone, therefore the Customer must first download the BNI Mobile Banking application on their smartphone.
2. Customers must use the official BNI Mobile Banking application provided by the Bank on Google Play and the App Store.
3. Any losses incurred as a result of using an unauthorized BNI Mobile Banking application shall be the sole responsibility of the Customer, provided that such losses are not due to the fault of the Bank or any other party.
4. BNI Mobile Banking activation must be done by the customer themselves (not by someone else) using the customer's personal smartphone.
5. If the BNI Mobile Banking activation process is separate from the registration process, the customer will complete the activation process by filling in the data requested in BNI Mobile Banking, including the 8 (eight) digit debit card number, account number, ATM card PIN, and location.
6. Any risks arising from negligence and/or misuse of data by the customer during the activation process will be the sole responsibility of the customer.
7. The Customer performs Activation to create an MPIN and Transaction Password.
VI. TRANSACTION SECURITY
1. The confidentiality and use of User IDs, MPINs, and Transaction Passwords for BNI Mobile Banking are entirely the responsibility of the User Customer and may only be known and used by the User Customer concerned.
2. The Customer User is obligated to maintain the confidentiality of their User ID, MPIN, and Transaction Password so that they are not known or used by others, including by:
a. Not disclosing them to anyone, including Bank employees.
b. Not writing them down or storing them on paper or other storage media that could be accessed by others.
c. Being careful when using them so that they are not seen by others.
d. Changing the MPIN and/or BNI Mobile Banking Transaction Password periodically.
e. Do not use an MPIN and/or Transaction Password that is easy to guess (such as using personal information: date of birth).
f. MPIN and/or Transaction Password should not be the same as or different from other e-channel PINs or passwords.
3. Customers can change their User ID by visiting the nearest bank branch. Customers can change their MPIN and Transaction Password independently through BNI Mobile Banking.
4. If the smartphone used for BNI Mobile Banking transactions is lost/stolen/illegally transferred to another owner, the Customer User must notify the Bank via BNI Call 1500046 so that the BNI Mobile Banking User ID can be blocked, preventing the smartphone from accessing BNI Mobile Banking using the Customer User's User ID.
5. If the Customer User knows or suspects that their User ID, MPIN, or Transaction Password has been disclosed to an unauthorized party, the Customer User must immediately secure and change their MPIN or Transaction Password.
6. If for any reason the User Customer is unable to change their MPIN or Transaction Password, the User Customer must notify the Bank via BNI Call 1500046 to report this and request assistance from BNI Call 1500046 staff to block their MPIN and/or Transaction Password so that the User Customer can then make changes at a Bank Branch Office.
7. Prior to the acceptance of requests from Customer Users, all commands, transactions, and communications based on the use of User IDs, MPINs, and/or Transaction Passwords by unauthorized parties are entirely the responsibility of Customer Users.
8. The use of User ID, MPIN, and/or Transaction Password has the same legal force as a written order signed by the User Customer. therefore the Customer hereby declares that the use of User ID, MPIN, and/or Transaction Password in every order on BNI Mobile Banking transactions also constitutes an authorization from the Customer to the Bank to carry out transactions, including debiting the Customer's account both in the context of executing the ordered transaction and for the payment of related transaction fees.
9. Misuse of User ID, MPIN, and/or BNI Mobile Banking Transaction Password and its consequences are the sole responsibility of the Customer User.
10. Customers are required to protect their smartphones from harmful applications (viruses, malware, trojans, etc.), both before and after installing the BNI Mobile Banking application.
11. In the event of smartphone loss or changes to the smartphone number and/or email address associated with BNI Mobile Banking, the Customer User must report this to CXC to request a temporary block (for Customers who have lost their smartphone) or report to the Bank Branch Office to update the changed data.
12. All losses incurred as a result of malicious applications on the Customer User's smartphone are the sole responsibility of the Customer User.
VII. USE OF BNI MOBILE BANKING
1. BNI Mobile Banking may only be used by authorized Customer Users, namely Customers who are registered in the BNI Mobile Banking database system with their User ID and registered smartphone number.
2. Any losses incurred as a result of the use of BNI Mobile Banking by other unauthorized parties are the responsibility of the Customer User, unless such losses are not due to negligence or beyond the control of the Customer User.
3. Customers may use BNI Mobile Banking for Financial Transactions and/or Non-Financial Transactions as determined by the Bank.
4. Customers/Users are required to fill in the required data completely and accurately, and ensure the accuracy and completeness of the data required for Financial Transactions and/or Non-Financial Transactions to be carried out.
5. The Bank is not responsible for any consequences that may arise due to negligence, incompleteness, ambiguity, or inaccuracy of the data filled in by the Customer/Customer User, whether during Registration or when conducting Financial Transactions or Non-Financial Transactions on BNI Mobile Banking.
6. Users have the opportunity to review and/or cancel the data they have entered during transaction confirmation.
7. If the accuracy and completeness of the data entered has been confirmed, as a sign of approval for the execution of the Financial Transaction, the User Customer is required to enter the Transaction Password in the field provided.
8. All Financial Transactions and Non-Financial Transactions that have been ordered to the Bank and approved by the User Customer (in the form of providing the correct Transaction Password) cannot be canceled.
9. Every order approved by the User Customer and stored in the Bank's data center constitutes valid data accepted as proof of the User Customer's order to the Bank to execute the order in question.
10. The Bank accepts and executes every order from the User Customer as a valid order based on the use of the User ID-ID and MPIN as well as Transaction Password (for Financial Transactions and/or Non-Financial Transactions), the Bank shall have no obligation to examine or investigate the authenticity or validity or authority of the User-ID, MPIN, and Transaction Password or to assess or prove the accuracy and completeness of the said instructions. therefore, such orders are legally binding on the Customer User as they should be.
11. The Bank reserves the right not to execute orders from Customer Users if:
a. The balance of the Customer User's account at the Bank is insufficient.
b. The Bank knows or has reason to suspect that fraud, abuse, or criminal activity has been or will be committed.
12. As proof that the Financial Transaction ordered by the Customer User has been successfully carried out by the Bank, the Customer User will receive proof of the Financial Transaction and such proof will be stored in the Bank's database in accordance with the provisions of the applicable laws and regulations.
13. The Customer User agrees and acknowledges that:
a. With the implementation of Financial Transactions through BNI Mobile Banking, all orders and communications from Customer Users received by the Bank will be treated as valid evidence even if no written documents are made and/or unsigned documents are issued.
b. Evidence of orders from Customer Users to the Bank and all forms of communication between the Bank and Customer Users sent electronically and stored in the Bank's data center and/or stored in other forms of information and data storage at the Bank, whether in the form of written documents, records, tapes/cartridges, computer printouts and/or copies, shall constitute valid evidence whose validity, accuracy or authenticity shall not be disputed.
14. The User Customer hereby authorizes the Bank to debit the User Customer's account registered with the Bank to carry out Financial Transactions instructed by the User Customer to the Bank through BNI Mobile Banking and to pay administrative fees and transaction fees for the use of BNI Mobile Banking facilities.
VIII. SERVICE AND COMPLAINT RESOLUTION
1. For any issues related to transactions and/or access to BNI Mobile Banking facilities, the Customer may notify the Bank by contacting BNI Call 1500046 or visiting the nearest Bank Branch Office with their identity card, BNI debit card, and proof of account ownership.
2. In the event that complaints are submitted verbally to the Bank, the following provisions shall apply:
a. Customers can contact the Bank via BNI Call 1500046.
b. The information that needs to be prepared by the Customer User is regarding their identity, the Customer User's BNI debit card, and the issue being reported.
c. The Bank will verify the Customer's identity when the complaint is submitted.
d. The Bank will provide confirmation of receipt of the complaint to the Customer, which will include at least the complaint registration number and the date of receipt of the complaint.
e. The Bank will follow up on complaints submitted by conducting a competent, accurate, and objective internal investigation of the complaint. If necessary, the Bank may request documents or information from the Customer User or other parties.
f. In the event that the Bank requires supporting documents held by the Customer User for the resolution of the complaint submitted, the Bank may request the Customer User to submit the complaint in writing, attaching the necessary supporting documents.
g. The Bank will provide a verbal and/or written response to the Customer regarding the complaint received.
h. Other matters related to the receipt, handling, and resolution of complaints refer to the provisions of applicable laws and regulations.
3. In the event that a complaint is submitted in writing to the Bank, the following provisions apply:
a. Customers may submit complaints via BNI Call 1500046 or to a Bank Branch Office.
b. The documents and information that Customer Users must provide when submitting a complaint in writing are as follows:
1) Identity of the Customer User and/or Customer User Representative;
2) special power of attorney (in the event that the User authorizes a Customer Representative to handle the complaint process);
3) Type and date of Financial Transactions and/or Non-Financial Transactions;
4) the issue being reported;
5) the original BNI debit card of the Customer User; and
6) proof of ownership of the User Customer's account.
c. The Bank verifies by reviewing the completeness of the documents submitted by the Customer User.
d. The Bank handles complaints submitted if the Customer has completed the required documents.
e. The Bank provides the Customer with proof of receipt of the complaint, which includes at least the complaint registration number, the date of receipt of the complaint, and the telephone number of the Bank's complaint service function or unit that the Customer can contact.
f. The Bank will follow up on complaints submitted by conducting a competent, accurate, and objective internal investigation of the complaint. If necessary, the Bank may request documents or information from the Customer User or other parties.
g. The Bank will provide a written response to the Customer regarding the complaint received.
h. Other matters related to the receipt, handling, and resolution of complaints refer to the applicable laws and regulations.
4. In the event of a complaint submitted by a Customer User to the Bank regarding a request for a refund, the complaint handling and resolution process will be carried out in accordance with applicable laws and regulations.
IX. TERMS OF USE FOR QRIS
1. General terms of use for QRIS
a. In conducting Financial Transactions, Customer Users may use funds from savings accounts, credit cards, and/or other sources of funds determined by the Bank at a later date.
b. Customer Users may use the QRIS feature through BNI Mobile Banking 24 (twenty-four) hours a day, 7 (seven) days a week.
c. QRIS can only be used at merchants that accept payments using QR codes with the QRIS standard.
d. Customers can conduct financial transactions with QRIS using Merchant Presented Mode (MPM) and/or Customer Presented Mode (CPM) on BNI Mobile Banking.
e. When conducting financial transactions using QRIS on BNI Mobile Banking:
1) Users must ensure the accuracy of the name of the merchant to whom the transaction is directed and the amount of the financial transaction to be carried out. Users are fully responsible for all consequences arising from financial transactions using QRIS carried out by Users, including any losses arising from the User's negligence in ensuring the accuracy of the name of the merchant to whom the transaction is directed and/or the amount of the financial transaction .
2) The Customer User uses the Transaction Password as a means of authorizing Financial Transactions and confirming the execution of Financial Transactions.
3) When conducting Financial Transactions using the MPM Method, the Customer User scans the QR Code of the Merchant of the transaction destination directly through the Smartphone camera or by uploading the QR Code of the Merchant of the transaction destination from the Customer User's Smartphone photo gallery.
4) When conducting financial transactions using the CPM method, the customer must maintain the security of their payment QR code and ensure that the payment QR code is only shown to the merchant for the transaction to be scanned by the merchant.
f. After using QRIS to make a payment, the User Customer will receive proof of transaction, whether it is a successful transaction, failed transaction, or pending transaction.
2. Terms of Use for Cross-Border QRIS
a. QRIS Cross Border transactions allow BNI Mobile Banking customers to conduct financial transactions outside the territory of the Republic of Indonesia that have partnered with the Bank. Customers can use the QRIS feature in BNI Mobile Banking to conduct financial transactions by scanning the QR Code provided by merchants in the destination country that are integrated with the QRIS network.
b. The source of funds for cross-border QRIS transactions is the savings account.
c. The nominal value of transactions made by User Customers will be converted in real time according to the exchange rate determined by the Bank, and User Customers will receive information in advance regarding the transaction value in Rupiah and the exchange rate of the destination country before proceeding to the transaction validation stage.
d. Cross-border QRIS transactions are valid in countries that have collaborated with the bank or destination country.
e. The User Customer is hereby responsible for all risks arising from the use of QRIS Cross Border, including losses arising from the User Customer's negligence in ensuring the correctness of the name of the Merchant of the transaction destination and the nominal amount of the Financial Transaction using QRIS.
X. POTENTIAL RISKS
Potential risks that may be faced by the User Customer:
1. Forgetting the User ID/MPIN/Transaction Password may result in the blocking of BNI Mobile Banking facilities (generally due to the User Customer entering the wrong information three times in a row).
2. If the User ID, MPIN, and/or Transaction Password are known to other parties, it may result in financial crimes committed by those parties.
3. Knowledge of personal account information results in the disruption of customer/user privacy and does not rule out the possibility of misuse by other parties.
4. Incorrect input of the required data when conducting financial transactions can result in incorrect crediting or incorrect payments, and the process of refunding the funds is not quick as it requires prior approval from the relevant parties.
5. The loss of a smartphone that has been activated for BNI Mobile Banking can be misused for non-financial transactions and/or financial transactions.
XI. BLOCKING (TEMPORARY SUSPENSION) OF ACCESS TO BNI MOBILE BANKING
1. Access to BNI Mobile Banking facilities may be blocked if:
a. There is a request from the Customer User to the Bank to terminate access to BNI Mobile Banking facilities, which may be caused by, among other things:
1) The Customer has forgotten their BNI Mobile Banking User ID/MPIN (User ID has not been blocked)
2) The loss/theft/change of ownership of the smartphone used by the Customer User to conduct transactions through BNI Mobile Banking.
a. The Customer incorrectly entered their BNI Mobile Banking MPIN three times in a row (User ID has been blocked).
b. Receipt of a report from the customer regarding the suspicion or knowledge that the User ID/MPIN/Transaction Password has been accessed by an unauthorized party.
c. The Bank suspects misuse of the account by the Customer in connection with a legal violation.
d. The Bank shall comply with the applicable laws and regulations.
e. The Bank experiences disruptions or suspends the provision of BNI Mobile Banking services. In such cases, the Bank will notify Users via the Bank's Official Media.
2. Access to BNI Mobile Banking facilities can be blocked by contacting BNI Call 1500046 or the nearest Bank Branch Office.
3. To reactivate your account due to blocked access to BNI Mobile Banking facilities as referred to in points 13.a.1).a) and 13.a.2) above, customers can unblock their accounts by accessing the Forgot MPIN/Transaction Password menu in the BNI Mobile Banking app. Meanwhile, to reactivate your account due to termination of service access as referred to in points 13.a.1).b), 13.a.3), 13.a.4), 13.a.5), and 13.a.6) above, the Customer User can visit the nearest Bank Branch Office with proof of identity and proof of account ownership (passbook, checkbook, and/or BNI Debit Card).
4. Requests to block access to BNI Mobile Banking facilities due to the wishes of the User Customer must be submitted by the User Customer concerned (cannot be represented by another party).
XII. TERMINATION OF BNI MOBILE BANKING MEMBERSHIP
1. Termination of BNI Mobile Banking membership must be submitted in writing by the Customer through the nearest Bank Branch Office or through other means that will be developed by the Bank in the future.
2. The submission of a letter of termination of BNI Mobile Banking membership may be represented by another party who has been authorized to submit it, as evidenced by a letter of authorization with sufficient stamp duty.
3. Termination of BNI Mobile Banking membership may be caused by:
a. The Customer User submits a request to terminate the use of BNI Mobile Banking to the Bank.
b. Customers shall close all accounts that can be accessed through BNI Mobile Banking facilities.
c. The Bank carries out an obligation based on applicable laws and regulations or court orders.
d. The Bank has discontinued the provision of BNI Mobile Banking facilities.
In such cases, the Bank will notify the Customer User through the Bank's Official Media.
XIII. FORCE MAJEURE
1. The User Customer shall release the Bank from any claims in the event that the Bank is unable to execute the User Customer's orders, either in part or in whole, due to events or causes beyond the Bank's control or ability, including natural disasters, war, riots, equipment, system or transmission malfunctions, power outages, telecommunications disruptions, government policies, and other events or causes beyond the Bank's control or capability.
2. In the event that the Bank is unable to execute the User Customer's instructions, either in part or in whole, due to the above events or causes, the Bank will notify the User Customer through the Bank's Official Media.
XIV. NOTIFICATION
Any notification from the Bank regarding changes to benefits, fees, risks, these Terms and Conditions, and/or blocking access to BNI Mobile Banking facilities will be notified to the User Customer at least 30 (thirty) business days in advance through the Bank's Official Media.
In the event that the User Customer does not agree to the changes to these Terms and Conditions as notified by the Bank, the User Customer has the right to discontinue use of the BNI Mobile Banking facility before the effective date of the changes. As long as the User Customer has fulfilled all outstanding obligations to the Bank, no additional fees or penalties will be charged.
XV. MISCELLANEOUS
1. The Bank reserves the right to suspend BNI Mobile Banking facilities temporarily or for a certain period of time determined by the Bank for the purposes of renewal, maintenance, or for other reasons deemed appropriate by the Bank, with prior notification by the Bank through the Bank's Official Media at least 30 (thirty) working days in advance, and this does not eliminate the Bank's responsibility for complaints and losses arising from such suspension.
2. These Terms and Conditions are subject to Indonesian law and apply as an agreement between the Bank and the Customer/User Customer.
3. In the event that any provision of these Terms and Conditions is declared invalid based on a law or regulation, or a court decision that has permanent legal force, such declaration of invalidity shall not diminish the validity or cause the invalidity of
4. In the event of a data breach, the Bank is required to notify the breach in writing within a maximum of 3x24 hours to the Customer User and the relevant supervisory authority.
5. other requirements or provisions in this Agreement and therefore in such cases the other provisions in these Terms and Conditions shall remain valid and binding.
6. In the event of any disagreement/dispute regarding these Terms and Conditions, the Bank and the User Customer shall resolve it through deliberation.
7. In the event that no agreement is reached through mutual consultation as referred to in point d above, the Bank and the Customer agree to resolve the disagreement/dispute through the Court.
8. The Bank and the Customer agree to choose the general and permanent legal domicile at the Central Jakarta District Court Registry Office.
9. These Terms and Conditions have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority.
XVII. Marketing
We and our business group may send information about our products and/or services and those of our business group, as well as third-party services, through Bank Negara Indonesia's official media and direct user communication channels, including by post or electronic means such as telephone, email, or other electronic media. This may be done as long as the user gives their consent. Telemarketing notifications may be delivered through the channels mentioned above. Consent may be withdrawn at any time, bearing in mind that withdrawal of consent may result in a reduced user experience of our services and products.