TERMS AND CONDITIONS FOR HALO BCA MOBILE APPLICATION

PT BANK CENTRAL ASIA Tbk ("BCA")

A. DEFINITIONS

1. Halo BCA Mobile Application, hereinafter referred to as Application, means a mobile-based application that can be downloaded by BCA Customers or non-BCA Customers through their mobile device to contact Halo BCA online via Voice over Internet Protocol (VoIP) calls, chat, email, BCA’s official contact channels and social media, as well as to conduct Transactions.
2. Biometrics means the physical characteristics that can be used to digitally identify a person, including, among other things, fingerprints or facial recognition.
3. Call means the Halo BCA service that can be accessed by the User through a Voice over Internet Protocol (VoIP) call directed to Halo BCA Customer Service. 
4. Chat means an online chat service (live chat) that can be accessed by the User through the Live Chat menu in the Application.
5. Contact & Social Media means the menu displaying BCA's official contact and social media information that can be directly contacted or accessed by the User.
6. BCA ID means a username created by the Customer in the form of 6 to 21 characters, consisting of numbers, letters, and/or symbols, which can be used to access the BCA e-channels as determined by BCA. 
7. Login with Biometrics means a feature in the Application provided to facilitate the Customer’s access to the Application using either fingerprint or facial recognition. 
8. Customer means an individual that has a deposit account and/or a credit card account at BCA. 
9. User means a Registered User or a Guest User using the Application.
10. Registered User means a Customer that has registered for a BCA ID and logged in to the Application using the BCA ID and BCA ID Password. 
11. Guest User means a User who logs in to the Application without using the BCA ID and BCA ID Password. 
12. BCA ID Password means a personal password that must be created and entered by a BCA ID user to use the BCA ID. 
13. BCA ID PIN (Personal Identification Number) means a 6-digit personal identification number used by the Registered User for verification on the Application.
14. Cellular Operator means a company that provides mobile/cellular network services.
15. SMS (Short Message Service) means a short message service in the form of texts and/or numbers that can be received and/or sent through a mobile device. 
16. Transaction means a non-financial transaction conducted by the User through the Application. 
17. OTP (One Time Password) means a unique and secret passcode generated by BCA’s system and sent to the Customer’s BCA e-channel, to the cellular phone number that has been registered in the cellular phone database for BCA e-banking, or to the Customer’s other cellular phone number registered with BCA, selected by the Customer in accordance with the provisions applicable at BCA. 
18. Branch Services is a feature in Halo BCA Mobile Application to facilitate Customer’s needs in filling out eForms before making transactions at BCA branch offices. 
    
19. eForm is an electronic form in the Branch Services feature that is filled in by the Customer to conduct transactions in accordance with the applicable provisions at BCA. 
20. Reference Number is a transaction identifier number that is automatically formed and received by the Customer every time the Customer completes filling out the eForm.
    

B. ACCESS AND REGISTRATION

1. To use the Application, the User must first download and install the Application on a mobile device with the operating system determined by BCA.
2. A Guest User may directly use the Application by selecting the Login as Guest option on the login screen without having to register for the BCA ID beforehand.
3. A Registered User that already has a BCA ID can use the Application by logging in with their BCA ID and BCA ID Password. If the User does not yet have a BCA ID, then the User can first register for a BCA ID through the Application.
4. The Registered User must select the Customer’s account and product to be linked to the BCA ID through the BCA ID Personalization menu.
    

C. TERMS OF USE

1. The User can use the Call service by selecting the Call menu in the Application. 
2. The User can use the Chat service by selecting the Live Chat menu in the Application, with the following details: 
   1. A Guest User may use the Chat service through the Live Chat menu by first entering their name, email address, and phone number. The Guest User must not enter another party’s data in the Live Chat menu. The Guest User shall be fully responsible for any consequences arising from the entry of another party’s name, email address, or phone number when using the Live Chat menu.
   2. A Registered User may use the Chat service through the Live Chat menu without having to enter data such as name, email address, or phone number. 
3. The User can contact BCA’s official contact channels and social media through the Contact & Social Media menu in the Application, with the following details: 
   1. If the User intends to contact BCA through BCA's official WhatsApp number, the User can select the WhatsApp option in the Contact & Social Media menu to be directed to BCA's official WhatsApp. The User must first download and install the WhatsApp application from an application/software distribution media such as the App Store or Play Store.
   2. If the User intends to contact BCA via email, the User can select the Email option in the Contact & Social Media menu to be directed to the email application installed on the User's mobile device, and the User's email will be automatically addressed to halobca@bca.co.id.
   3. If the User intends to contact BCA through BCA's official social media, the User can select the desired social media platform, including, among other things, X (Twitter) (@HaloBCA, @GoodLifeBCA, @XpresiBCA, @BankBCA, and @KartuKreditBCA), Instagram (@GoodLifeBCA, @LifeAtBCA), TikTok (BankBCA), YouTube (Solusi BCA), Bank BCA's LINE, Facebook (GoodLifeBCA, XpresiBCA, BankBCA, and KartuKreditBCA), and LinkedIn (PT Bank Central Asia Tbk).
4. The Registered User can access the My Account menu to view the Registered User's data as a Customer and update such data independently (self-service).
5. BCA has the right to verify any Registered User that accesses or conducts transactions on the Application, including by verifying the Customer's personal data.
6. The Registered User can access the Report Status menu to view the status of complaints and/or the processing status of banking service applications submitted through Halo BCA.
7. The Registered User can access the Digital Approval feature to digitally approve or reject banking transactions at BCA, subject to the provisions applicable at BCA.
8. The Registered User can view the list of their BCA ATM cards along with the PIN status of such BCA ATM cards on the ATM Card page in the Manage Banking Facilities menu.
9. In the event that the Registered User's BCA ATM card is blocked due to an error in entering the PIN 3 (three) times, the Registered User can unblock the ATM card PIN by selecting the Unblock menu and following the verification process in the Application in accordance with the procedures applicable at BCA.
10. The Registered User can configure the OTP code delivery settings through the OTP Code Delivery feature.
11. Data related to the Application will be stored by BCA in accordance with the applicable data retention regulations. 
12. The User must upgrade the Application upon BCA's request.
13. The User's failure to upgrade the Application may result in the User being unable to use the Application or only being able to access certain features within the Application.
14. The User shall be fully responsible for and shall hold BCA harmless against any consequences arising from any error or negligence of the User in using the Application.
15. The User is prohibited from hacking, duplicating, imitating, and/or modifying the Application on any electronic device. Any consequences arising in connection with such actions by the User shall be the sole responsibility of the User. 
16. The User agrees that: 
    1. BCA has the right to store and use the User's personal data and other data attached to the mobile device used by the User to download or access the Application;
    2. BCA and/or other parties cooperating with BCA may obtain, access, store, and use the data attached to the mobile device used by the User to download or access the Application;

Including, among other things, for the User’s convenience and security in conducting transactions, as well as for the purpose of promoting banking products of BCA and other parties cooperating with BCA. 

D. BLOCKING OF APPLICATION ACCESS

1. The Registered User will not be able to access the Application if the Registered User: 
   1. incorrectly enters the BCA ID Password 3 (three) times in a row; 
   2. requests to block the BCA ID in accordance with the provisions applicable at BCA. 
2. In the event that access to the Application is blocked, the Registered User must contact Halo BCA to reset the BCA ID Password or BCA ID PIN according to the procedure informed by Halo BCA Customer Service.

E. LOG IN WITH BIOMETRICS

1. To make it easier for the Registered User to access the Application, the Registered User that uses a mobile device with a biometric scanner feature may choose to activate the Login with Biometrics feature using the Biometrics that the Registered User has recorded on the Registered User's mobile device used to access the Application.
2. To use the Login with Biometrics feature in the Application, the Registered User must first: 
   1. have at least 1 (one) Biometric recorded on the Registered User's mobile device;
   2. activate the Login with Biometrics feature in the Settings menu in the Application. 
3. By activating the Login with Biometrics feature, the Registered User agrees to use the Biometrics recorded on the Registered User's mobile device used to access the Application for authentication purposes when accessing the Application. 
4. The Registered User can disable the Login with Biometrics feature through the Settings menu in the Application.
5. BCA reserves the right to disable the Login with Biometrics feature, among other things, if:
   
   1. the Registered User’s BCA ID is blocked;
   2. there are no longer any Biometrics recorded on the Registered User's mobile device used to access the Application;
   3. the Registered User deletes the Biometrics recorded on the mobile device;
   4. the Registered User changes the BCA ID Password;
   5. the Registered User logs in by entering the BCA ID and BCA ID Password after activating the Login with Biometrics feature; 
   6. The Registered User records new Biometrics on the Registered User's mobile device used to access the Application;
   7. The Registered User does not log in to the Application through the Login with Biometrics feature for 30 (thirty) consecutive days. 
6. The Registered User must check and ensure that the Biometrics recorded on the Registered User’s mobile device used to access the Application are those belonging solely to the Registered User.
7. The Registered User shall be fully responsible for and hold BCA harmless against all consequences and losses arising in connection with:
   
   1. the Registered User's failure to ensure that the Biometrics recorded on the mobile device used to access the Application are those belonging solely to the Registered User;
   2. any actions performed in the Application using the Login with Biometrics feature;
   3. any misuse of the Application using the Login with Biometrics feature. 

F.  BRANCH SERVICES FEATURE

1. General Terms for Branch Services Feature
   1. BCA has the right to conduct further verification of each Registered User who uses the Branch Services feature when completing transactions at BCA branch offices.
   2. With certain considerations, BCA has the right to refuse to process transactions whose data is inputted by the User on the eForm in accordance with the applicable provisions or procedures at BCA and applicable legal provisions, including provisions regarding Anti-Money Laundering and Prevention of Terrorism and Proliferation of Weapons of Mass Destruction Funding.
2. Terms of Use of Branch Services Feature
   1. The Registered User must ensure the correctness of the data entered into the eForm. The Registered User shall be fully responsible for all consequences arising from the filling in data on the eForm and hereby holds BCA harmless against any claims, suits, and/or other legal actions of any kind brought by any party in connection therewith. 
   2. The Registered User must enter the required data (mandatory data) on the eForm to obtain a Reference Number.
   3. After the Customer entering the transaction data on the eForm, the Registered User is still required to come to the BCA branch office to complete the transaction by providing Reference Number and showing other documents according to the provisions applicable at BCA.
   4. The Registered User can cancel filling in data on the eForm as long as the Transaction has not been completed at BCA branch office.
   5. The Reference Number can only be used by the Registered User within 30 (thirty) calendar days after BCA provides the Reference Number. However, the Reference Number for transactions carried out by the Registered User who is registered as BCA Solitaire or BCA Prioritas Customer can only be used by the Registered User in accordance with the time selected by the Registered User.
   6. If there is a difference between the data at the Registered User and the data at BCA, then the data at BCA shall prevail, unless it can be proven otherwise.
   7. Transaction data inputted in the Branch Service feature will be stored by BCA in accordance with the applicable retention provisions as long as the Registered User has completed the transaction at BCA branch office.

G.  FORCE MAJEURE

In the event that BCA is unable to execute the User's instructions, whether partially or wholly, due to events or circumstances beyond BCA's control or capability, including but not limited to natural disasters, war, riots, malfunction of equipment/systems/transmissions, power outages, telecommunication disruptions, government policies, or regulations of banking supervisory authorities prohibiting BCA from providing the Application, as well as other events or circumstances beyond BCA’s control or capability, the User hereby holds BCA harmless against any and all claims, lawsuits, and/or other legal actions of any kind in connection therewith.

H. COMPLAINT HANDLING

1. Complaints related to the Application may be submitted by the User through the nearest BCA branch office and/or by contacting Halo BCA. For the purpose of handling such complaints, BCA has the right to request the User to provide a photocopy of the User’s identification and/or other supporting documents in accordance with the provisions applicable at BCA.
2. BCA will respond to the complaints submitted by the User as referred to in item G.1 above in accordance with prevailing laws and regulations. 
3. Complaints related to the Application must be submitted by the User to BCA no later than 3 (three) months from the date of the Transaction.
4. The User agrees that any dispute or difference of opinion arising from and/or in connection with the implementation of these Terms and Conditions for Halo BCA Mobile Application of PT Bank Central Asia Tbk (“Terms and Conditions”) shall first be settled amicably through deliberation to reach consensus.
5. Any dispute or difference of opinion that cannot be resolved amicably through deliberation for consensus between BCA and the User will be resolved through banking mediation at Bank Indonesia or the Financial Services Authority or mediation through an Alternative Dispute Resolution Institution listed in the List of Alternative Dispute Resolution Institutions established by the Financial Services Authority.
6. Any dispute or difference of opinion that cannot be resolved through deliberation, banking facilitation, and/or mediation as referred to in item G.5 above shall be settled through the Central Jakarta District Court, without prejudice to BCA’s right to file a claim or lawsuit with any other District Court within the territory of the Republic of Indonesia.
7. BCA will respond to such complaints in accordance with prevailing laws and regulations. Further information regarding BCA’s complaint handling procedures is available at bca.id/penangananpengaduan.

I.LANGUAGE

These Terms and Conditions for HALO BCA MOBILE APPLICATION PT BANK CENTRAL ASIA Tbk ("BCA") have been established in both Indonesian and English. In the event of any discrepancies between the Indonesian and English versions, the Indonesian version shall prevail.

J. MISCELLANEOUS

1. The Registered User must promptly report to BCA any changes to the Customer’s data. 
2. The User may contact Halo BCA or any BCA branch office in the event of any issues related to Transactions, access blocking, and/or the use of the Application.
3. The User must contact the Cellular Operator whose services are used by the User for assistance in resolving any issues or disruptions experienced by the User in relation to the SIM card, the Cellular Operator’s network, the internet connection on the mobile device, usage charges from the Cellular Operator, SMS fees, or the Cellular Operator’s value-added services.
4. The User hereby confirms that the User has fully understood and agreed to these Terms and Conditions. BCA reserves the right to amend, supplement, or replace these Terms and Conditions, which will be notified by BCA to the User in any form and through any means in accordance with prevailing laws and regulations.

These Terms and Conditions for Halo BCA Mobile Application of PT Bank Central Asia Tbk ("BCA") have been aligned with the prevailing laws and regulations, including regulations of the Financial Services Authority