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Terms and Conditions


  1. Definitions
    1.1 In these Terms and Conditions unless the context otherwise requires the following words shall have the following meanings:
    “Account” means any account or accounts held at present or in the future by us in your name or in the name of a person for whom we have permitted you to validly act as guardian or attorney, for which BBK Internet Retail Banking is available in respect of which our normal terms and conditions in force at the relevant time apply as they would in normal circumstances and are therefore incorporated into these Terms and Conditions insofar as is appropriate, including but not limited to savings accounts and current accounts;
    “Authorized Officer” means an officer of a Corporate Customer registered with us as having, and deemed to have, full corporate and constitutional authority to make an application for BBK Internet Retail Banking on behalf of such Corporate Customer and accordingly bind the Corporate Customer by these Terms and Conditions;
    “BBK Internet Retail Banking” or “the Service” means the banking services made available at any point in time via the internet to the Customer by us in our absolute discretion;
    “e-Remittance facility” means the online service made available to BBK account holders to transfer funds from your account to your own account or to any other third party beneficiary accounts maintained in India through the ‘BBK Internet Retail Banking’ facility.
    “Bank” means the BBK whose principal address is at 43 Government Avenue, Manama 305, Kingdom of Bahrain, PO Box 597 and, where appropriate Credimax E.C.;
    “Company” means, for the purposes of these Terms and Conditions, a body corporate, partnership, sole proprietorship or other unincorporated organization;
    “Corporate Customer” means a Customer that is a body corporate, partnership, sole proprietorship, or other unincorporated organization;
    “Customer” means an individual or Company that has been authorized by us to operate an Account and access and use BBK Internet Retail Banking and that is deemed to have agreed to be bound by these Terms and Conditions by their access of the Site and use of BBK Internet Retail Banking;
    “Customer Security Codes means your User ID and Security Number, required for access to be granted to BBK Internet Retail Banking and Telebanking;
    “Security Number” means the security number allocated to you by us for BBK Internet Retail Banking, which will be the same, where applicable, as the security number allocated to you for use of the BBK Telebank service;
    “Authorization Password” means the security number allocated to you by us for BBK Internet Retail Banking per your request to grant approval rights for adding beneficiaries and utilities.
    “User ID” means the CPR number of a Customer resident in the Kingdom of Bahrain or, in all other cases, a user identification number that will be provided to you by us.
    References to “we”, “us” and “our” as appropriate are references to the Bank; and References to “you” and “your” as appropriate are references to you, the private individual or Company who has accessed the Site.
  2. Access
    2.1 This Site and Service are not directed to, or intended for distribution to or use by, any person or entity who is a citizen or resident of, or located or incorporated in, any jurisdiction where such distribution, publication, availability or use would be contrary to law or regulation or which would subject the Bank to any additional registration, authorization or licensing requirement within such jurisdiction.
  3. Eligibility for use of BBK Internet Retail Banking
    3.1 Only existing Account holders can access and use BBK Internet Retail Banking. Such Account holders (excluding Corporate Customers) can access the Service immediately by use of their existing Customer Security Codes.
  4. Corporate Customers - Access and use of BBK Internet Retail Banking
    4.1 Before a Corporate Customer can access and use BBK Internet Retail Banking an Authorized Officer of the Company must present himself in person with evidence of his corporate (or other, as applicable) authorization to our satisfaction and complete the relevant application form(s) as required by us.
  5. The Site and BBK Internet Retail Banking
    5.1 We recommend the following as a minimum specification for access to the Site and access and use of BBK Internet Retail Banking:
    5.1.1 a personal computer with Intel Pentium processor;
    5.1.2 access to the Internet; and
    5.1.3 a Java 1.1 enabled browser, for example, Netscape Navigator 4.6 (enabled for 128 bit SSL) or Internet Explorer 5.0 (incorporating latest patches to make it compatible with 128 bit SSL), or later versions.
    5.2 We do not warrant either the speed, resolution, or the availability of the Site or BBK Internet Retail Banking.
    5.3 You may access the Site 7 days a week, 24 hours a day. At certain times, the Site and/or the Service may not be available due to systems maintenance or reasons beyond our control. We do not warrant that the Site or the Service will be available at all times.
    5.4 We cannot always carry-out a transaction immediately upon receipt of your instructions. Some matters may take time to process and certain instructions may only be processed during normal banking hours even though BBK Internet Retail Banking may be accessible outside such hours.
    5.5 Although we take reasonable precautions in ensuring our software and materials are virus free, we cannot guarantee that the materials or software you download or use from the Site are free from viruses or other damaging codes or programs. It is a condition of allowing you to download from the Site that any liability on our part in respect of, or arising directly or indirectly from, any virus or other damaging code or program, or howsoever caused, is excluded to the extent permitted by law and save for such defects caused by our negligence. Therefore, you should run up to date virus checking software as soon as you download any materials or before installing any software.
    5.6 When you access the Site and use BBK Internet Retail Banking you must ensure all the information you input is accurate and truthful and you agree that you shall not access the Site or use BBK Internet Retail Banking for any illegal or improper purposes.
    5.7  Subject to the terms and conditions that apply to each of our products and services, you hereby authorize us to accept and act upon your electronic instructions, except that we may, in our absolute discretion and without reason, choose not to act upon any of your instructions and we exclude any and all liability in relation to the exercise of this discretion. We reserve the right to block or suspend your access to BBK Internet Retail Banking if there is any failure or error in relation to the use of your Customer Security Codes. In making an assessment of cases of repeated entry failure, we reserve the right to take into account any recent failed attempts to access your Account via the BBK Internet Retail Banking service, where applicable. We will normally block access in the event of three consecutive Security Number entry errors. In the event that access to BBK Internet Retail Banking is blocked, you may present yourself in person to the Bank or inform us by calling our helpline on +973 172077777 whereupon we will verify your identity and determine, in our absolute discretion, whether your access to BBK Internet Retail Banking shall be unblocked.
    5.8 We reserve the right to deem all those who use the Service on behalf of a Corporate Customer as having full authority of such Corporate Customer to access the Service and use any of the facilities offered by it. Corporate Customers should take precautions to avoid the unauthorised use of their Customer Security Codes, and ensure that all company officers and employees that they authorise to use the Service agree to comply with the provisions of clause 6.
    5.9  Subject to the terms and conditions of each of our products and services we reserve the right to decline to operate the relevant Account, to refuse a deposit or to terminate the relevant Account. Nothing on this site shall be construed as a legal offer to you to operate any Account or to use BBK Internet Retail Banking in relation to any Account that you currently operate or intend to apply to operate.
    5.10 Subject to the terms and conditions applied to the e-Remittance facility,
    5.10.1 The transfer of funds to the account in India will be made in equivalent INR only. The amount of remittance will be converted to equivalent INR at the appropriate rate as per the exchange rate table maintained in the bank’s system.
    5.10.2 In the normal circumstances, once the customer request is accepted by the system, the funds transfer will be executed on the same day, however, not later than TWO working days. The funds will be transferred to the beneficiary account through NEFT (National Electronic Funds Transfer)/RTGS (Real Time Gross Settlement) system or through any  other expeditious manner as deemed appropriate by the BBK’s correspondent bank in India.
    5.10.3 Requests, if any, submitted by the customer on weekends or other holidays, will be processed by the bank on the following working day (subject to 5.10.2 above). The Bank shall not assume any responsibility for any delay in effecting the remittance of funds due to closure of the banks in India on account of holidays, strikes, riots or civil commotions, natural calamities or due to any other technical problems or for reasons beyond the bank’s control.
    5.10.4 The customer should ensure that there are sufficient funds (or prearranged credit facilities) in his/her account for the e-Remittance transactions and the Bank shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds and/or credit facilities.
    5.10.5 The customer accepts that he/she will be responsible for keying in the correct information for all the requests. Under no circumstances, the bank will be held liable for any erroneous transactions incurred arising out of the customer entering wrong information. The bank is not bound to act on such requests and will not be responsible for any delay, omission or mistake in processing the requests. Under no circumstances, the customer will be able to revoke his/her request through the Internet Banking, once accepted by the system.     
    5.10.6 In case the funds could not be remitted to the beneficiary account or if the funds are returned by the beneficiary bank for reasons of non-availability of sufficient information including wrong account details or for any other reason, the INR amount so returned will be credited to the customer’s account converted at the appropriate rate by the system.
    5.10.7 The Bank shall recover the standard service charges, as per its ‘Schedule of Fees & Service Charges’ or any pre-approved special charges as applicable for each outward remittance or for any returned funds in addition to the amount of remittance. The customer hereby authorizes the bank to recover the service charges by debiting his/her  account(s) as deemed appropriate.
    5.11If you encounter any difficulties accessing or using the Site, you should telephone our helpline for assistance on +973 17207777  (during normal working hours) or email us on [email protected] (6.6)
  6. Security
    6.1 You may only access BBK Internet Retail Banking by entering your Customer Security Codes as and when prompted to do so on the Site. You must not allow anyone else to use the Service on your behalf.
    6.2 You must take all reasonable precautions to prevent the theft, disclosure or unauthorized use of your Customer Security Codes. In particular, you should never write down your Security Number, and you should immediately destroy any correspondence from us notifying you of your Security Number. In addition, you should never reply to fraudulent emails requesting to update Customer information that entails you to enter your Customer Security Codes. We insist that you should enter our website directly and not through links from emails, advertisements or other variety of mediums. When we give you the opportunity to change your Security Number, you should not choose a number which may be easy to guess, such as dates of birth, telephone numbers etc.
    6.3 Once you have accessed BBK Internet Retail Banking you must not at any time leave the internet terminal unattended from which you are using the Service or let any other person use such terminal before you have completely exited the Site. You are responsible for ensuring that you always log-off the Site at the end of every session. You should ensure that any facility of your internet browser to save your password automatically or prompt you in any way is not enabled when you use BBK Internet Retail Banking.
    6.4 You must inform us immediately by either telephoning the Bank’s normal security desk on +973 17207485 (or such other number as may be published from time to time), or our helpline on +973 17207777, or by informing the counter staff at one of our branches if you become aware of any unauthorized access to your Account or of the loss or theft of a record of any of your Customer Security Codes or if you suspect that any of your Customer Security Codes have become known to someone else.
    6.5 You should check your Account records carefully and immediately inform us as soon as you become aware of any transactions that you think are errors or are transactions that you did not authorize, or you think were made by someone else without your permission, or if you become aware of any abnormal delays in processing your transactions.
    6.6 You should note that the sending of personal information via email and over the Internet may not be secure and can be intercepted by third parties or incorrectly delivered. We will not be responsible or held liable for any losses suffered as a result of information intercepted en-route to us or mis-delivered.
    6.7 We will take such reasonable precautions as may be necessary to ensure that information concerning your Account used in relation to the Service will remain confidential and protected from unauthorized access but we will not otherwise be liable for any unauthorized access by any means to that information. In the event you suffer losses as a result of unauthorized access to your Account or use of your Customer Security Codes you may be liable for all losses that you incur as a result or any losses suffered or incurred by the Bank.
    6.8 For your protection, we reserve the right to refuse access and block your Account if:
    6.8.1 incorrect Customer Security Codes are used cumulatively for either BBK Internet Retail Banking or the BBK Telebank service more than three times to attempt to access; or
    6.8.2 we suspect an unauthorized person is attempting or has attempted to access BBK Internet Retail Banking.
  7. Use and Disclosure of Personal and Company Information
    7.1 You agree that we may hold and process by computer or otherwise any personal or Company information provided by you and you further agree that personal and Company information may be used by us in providing or improving the BBK Internet Retail Banking service or to respond to your queries.
    7.2 You agree that we can use personal and Company information as follows:
    7.2.1 for assessment and statistical analysis for our business; and
    7.2.2 to identify products and services which may be of interest to you and which may be offered by message, telephone or other means of communications, by us, our associates or any other carefully selected organisation or company.
    7.3 We may not disclose personal or Company information except:
    7.3.1 to our agents, insurers and sub-contractors who have agreed to keep your personal information strictly confidential;
    7.3.2 to credit reference agencies including full information about any Accounts;
    7.3.3 to linked suppliers to the extent that they need your personal information to provide their services to you and/or for the purposes set out in clause 7.2;
    7.3.4 for debt tracing or fraud prevention;
    7.3.5 to any person to whom we assign or transfer our rights and/or obligations; and
    7.3.6 if required or compelled to do so by law, or requested to do so by the police.
    7.4 Although we take reasonable care to ensure the security of BBK Internet Retail Banking and the confidentiality of the data stored and used by it, we cannot guarantee the privacy or confidentiality of any information relating to you passing over the internet.
    7.5 We may store some information on your own hard disk (a “cookie”). This helps us to match the Service to your preferences. You can choose to accept or delete cookies. Deleting them may mean the Service does not work properly.
  8. Fees and Charges
    8.1 Subject to the terms and conditions of our other products and services, our standard fees and charges shall apply in respect of BBK Internet Retail Banking. We may alter our fees and charges from time to time. You will be notified of any such changes.
    8.2 BBK Internet Retail Banking is a free service, but we reserve the right to charge a fee for certain services in the future. You will at all times be responsible for your own costs of accessing this Site.
  9. Copyrights, Trademarks and Copying Materials on this Site
    9.1 We own, or are licensed in relation to, all intellectual property on this Site and all rights are reserved.
    9.2 You may only print, copy, download or temporarily store extracts from the Site for your personal information when you access this Site and use BBK Internet Retail Banking to operate your Account. Any use of this Site otherwise than in accordance with these Terms and Conditions is not permitted.
  10. Information
    10.1 The information provided on the Site is provided for your information and general interest only. We disclaim all express or implied representations or warranties that this Site is accurate, free from errors, complete, up to date or that the products or services available through the Site are suitable for you and the Site is subject to change and update by us from time to time without notification to you. We shall not be liable for any loss or damage howsoever caused arising as a result of use of, or reliance on, any information, whether provided by us or third parties (including anything linked to this Site), whether authorized or not, to the maximum extent permitted by the applicable law.
    10.2 Nothing on this Site should be construed as an advertisement or solicitation for any products or services or their use which is not authorized by the applicable laws and regulations of your place of citizenship, domicile, incorporation or residence.
  11. Links to other Websites
    11.1 The provision by us of a link to another website does not constitute any authorization by us for you to access material held at that location, nor is it evidence of any endorsement by us of the material held there. We accept no responsibility or liability in relation to your access and use of such websites, as these are beyond our control. We will accept no responsibility or liability in respect of any materials on any website which is not under our control.
  12. General Indemnity
    12.1 You agree to indemnify us (and our agents) and hold us harmless against all reasonable costs and expenses, damages, liabilities and losses which we (or our agents) may suffer or incur directly or indirectly as a result, or in connection with, or arising out of this Site, or these Terms and Conditions or BBK Internet Retail Banking or any transaction effected on your instructions and against any claims which may be made against us in the performance of our powers or duties (including in any such case any costs of enforcing the same), to the extent allowable by law and save in the case of our negligence.
  13. Liability
    13.1 Subject to the Terms and Conditions of our other products and services, we shall not be liable for any loss resulting from any act or omission made under or in relation to or in connection with this Site or these Terms and Conditions or by BBK Internet Retail Banking.
    13.2 We shall not be liable to you for any delay in performance, or for the non-performance of any of the obligations under these Terms and Conditions by reason of any cause beyond our reasonable control, including but not limited to any downtime, unavailability, failure, malfunction, distortion, hacking or interruption of the Site, or for any losses caused by the occurrence of any contingency beyond our reasonable control.
    13.3 We shall not be liable for any losses or delays in the transmission of instructions caused by any other person, including, without limitation, any Internet Service Provider, or by any software failure.
  14. Amendments of Terms and Conditions
    14.1 We reserve the right to amend these Terms and Conditions from time to time without notice and you must read these Terms and Conditions at regular intervals to ensure that you are familiar with their content.
  15. Severability
    15.1 If any provision of these Terms and Conditions is void or unenforceable, such ineffectiveness or unenforceability shall not affect the validity or enforceability of any other provision.
  16. Waiver
    16.1 We may waive any term or provision of these Terms and Conditions at any time or from time to time, but any such waiver shall not be deemed a waiver of such term or provision in the future.
  17. Contacting each other
    17.1  You may contact us by post, telephone, or e-mail as directed by us and subject to changes you may be informed of from time to time, and we will contact you using the latest details you have given us. You shall inform us immediately if your name, address, telephone, e-mail or any other details change. If you do not do this we may charge you any expenses we may incur in tracing you and we cannot be held responsible for mis-delivered personal information sent using your old contact details or any loss or damage suffered as a result thereof.
    17.2  If you send us an e-mail as permitted by the Site, you are responsible for ensuring that it reaches us and you accept the risk of the e-mail being undelivered or misdelivered. No communication, instruction, offer or acceptance of an offer will have any affect whatsoever until such time as it is received by us.
  18. Notices
    18.1 All notices that we require to be sent to you in relation to BBK Internet Retail Banking and the Terms and Conditions of our other products and services may be sent in writing or electronically via email. All such notices will be deemed to have been received by you:
    18.1.1 in the case of posting, 5 days from dispatch to the last postal address provided by you; and
    18.1.2 in the case of notification by email, 5 days from dispatch of the email.
  19. Termination
    19.1 Subject to the Terms and Conditions of our other products and services, each party shall have the right at all times by giving not less than 15 days’ prior written notice to the other to terminate these Terms and Conditions. In addition to any blocking or suspension of access under clauses 5 or 6, we may terminate access to BBK Internet Retail Banking immediately and without notice should we become aware of, suspect, or anticipate your breach of any of these Terms and Conditions or of the terms and conditions that apply to any of your Accounts.
    19.2 Termination shall be without prejudice to all accrued rights and remedies under these Terms and Conditions.
  20. Assignment
    20.1 You shall not assign or transfer your rights or obligations under these Terms and Conditions to any third party.
  21. Records
    21.1 You agree that our records, unless shown to be wrong, will be evidence of your dealings with us in connection with BBK Internet Retail Banking.
  22. Governing Law, Submission to Jurisdiction
    22.1 These terms and conditions are governed by and will be construed in accordance with Bahrain Law. When you use this Site you accept that your use of this Site and any information on the Site will be governed by the Laws of Bahrain and you submit to the non-exclusive jurisdiction of the competent courts of Bahrain.


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