RBank Digital Terms and Conditions

Please read carefully the Terms and Conditions which shall govern your use of the Mobile Banking Service of Robinsons Bank Corporation (Robinsons Bank) known as “RBank Digital”. Your access and use of RBank Digital shall signify your acceptance to be bound by the Terms and Conditions herein. You may print the Terms and Conditions and/or access it again in the future via the RBank Digital platform or by contacting your preferred Robinsons Bank branch.

1. Terms and Conditions

  1. The Terms and Conditions herein shall contain provisions applicable to your use of RBank Digital.
  2. The Terms and Conditions are in addition to applicable Account Agreement and/or other rules that may apply to your Account with us. In case of conflict between the Terms and Conditions and any terms of any applicable Account Agreement and/or other rules that may apply to your Account(s), the provisions of this Terms and Conditions shall prevail.
  3. By using RBank Digital, you acknowledge that you have received, understood and agreed to be bound by the Terms and Conditions herein and by all Account Agreement and/or other rules that may apply to your Account(s) with us, which shall be incorporated herein by reference.
  4. The Terms and Conditions herein may be amended from time to time. We will provide notice of any change, as may be required by applicable laws.
  5. Your access and use of RBank Digital shall signify your acceptance to be bound by the Terms and Conditions herein, and your acknowledgment and authorization to disclose relevant information to the Bangko Sentral ng Pilipinas (BSP), Credit Information Corporation (CIC), Credit Management Association of the Philippines (CMAP), Negative File Information System (NFIS) and/or other regulatory bodies whose reporting is mandated by law, rules and regulations. Moreover, you hereby consent to our collection, processing and data sharing of your personal information, with our parent company, subsidiaries, affiliates, or third party service providers in relation to your access and use of RBank Digital, conformably with Republic Act No. 10173, otherwise known as the “Data Privacy Act of 2012”.

2. Definition of Terms Used

  1. Account means your bank account(s), credit card account(s), loan/facility account(s), depository account(s) and/or any other type of account(s), maintained with Robinsons Bank which are eligible Account/s for purposes of use in RBank Digital.
  2. Account Agreements means the terms and conditions applicable to your Account(s) including the Terms and Conditions for Opening of Account/Placement/Investment.
  3. Mobile device means a mobile phone that is able to access the RBank Digital platform. Your Mobile device may also be used as your registered mobile phone for receiving the One Time PIN (OTP).
  4. One-Time Password or OTP refers to the six-digit code sent to your registered mobile number needed for authentication.
  5. RBank Digital means the RBank Digital platform and/or the Mobile Banking Service of Robinsons Bank.
  6. Terms and Conditions means provisions contained herein.
  7. We, us and/or our refer to Robinsons Bank.
  8. You and/or your refer to a customer of Robinsons Bank; or a person who is an owner, signer, or a person who has rights to withdraw from a deposit account or, as applicable, a person who is borrower under a credit account.

3. Access and Use

  1. To access RBank Digital, you must have at least one (1) eligible Robinsons Bank Account, a valid email address and mobile number.
  2. You may register in RBank Digital by accessing www.robinsonsbank.com.ph and clicking on the Personal Banking link. If you have an ATM, Debit, or Credit Card, you may self-enroll by clicking on the Online Activation option. We will ask you to provide us with your card number and your PIN to authenticate you. If you do not have an ATM, Debit, or Credit Card, you may enroll by clicking on Branch Activation.
  3. If at any time you cease to have an eligible Account or if your mail or email address and/or mobile number is invalid or outdated, we reserve the right to deny you access to RBank Digital.
  4. We have bank products where we automatically pre-register you for RBank Digital. You will be given notice should we automatically pre-register you to the RBank Digital platform.
  5. The RBank Digital platform is accessible via web, mobile, or through a mobile application. RBank Digital via web and mobile are browser-based, and can be accessed by just typing the website URL using any supported web browser on your computer or mobile phone. RBank Digital via mobile app is an application-based service that is available on both Apple iOS and Google Android application stores. The application can be installed on any certified mobile device by both Apple and Google.
  6. You are allowed access to RBank Digital twenty-four (24) hours a day, seven (7) days a week. However, at certain times, some or all services may not be available due to system maintenance, telecommunication or electrical network failure, or other causes which may be beyond our control.
  7. By using RBank Digital, you acknowledge that you will be liable for any misuse of your Account(s) or your failure to observe the Terms and Conditions herein.

4. Joint Accounts

  1. Each Joint Account Holder can register for RBank Digital and will have separate login credentials to access and use RBank Digital, as well as the Mobile Banking Service.
  2. If the joint account is an "and" Joint Account (operated by joint signing authority), each Joint Account Holder may be able to view, but will not have transactional capability over such account through RBank Digital. If the joint account is an "or" Joint Account (operated by a single signing authority), each Joint Account Holder will be able to view such account through RBank Digital and transact, give, authorize or initiate transactions in relation to such account, which we may choose to act upon. Regardless whether it is and “and” or “or” Joint Account, each Joint Account Holder shall be jointly and severally liable for any account transaction.
  3. By using RBank Digital, each Joint Account Holder is deemed to have consented to our disclosure of your Information to any of your Joint Account Holder(s).

5. Security

  1. You should use care when choosing your User ID and password. We recommend that you avoid easily guessed words and numbers that can easily be associated with you, such as your date of birth, phone number, driver's license number, or part of your name. Your User ID and password are exclusively for your use. You agree to take reasonable precautions to safeguard your User ID and password. You also agree to never leave your computer unattended while using RBank Digital and always exit RBank Digital by logging out after each use.
  2. You may change your password at any time as deemed necessary through the Change Password function of RBank Digital.
  3. If you enter your password incorrectly for three (3) consecutive times, access to the RBank Digital may be suspended. You may reset your password using the Reset Password function on the login page or contact our Customer Care Center at (+632) 8637-2273 for assistance.
  4. Your User ID and password will identify and authenticate you to us when you use RBank Digital. You authorize us to allow any transaction or act on any instructions received on an Account for which the correct User ID and password have been provided.
  5. You acknowledge and agree that you are responsible for all transfers and payments you make using RBank Digital and for paying any and all late charges or penalties. You also acknowledge and agree that, if you permit another person or persons to use RBank Digital or give them your User ID and password, you are responsible for any transfer or payment that person has made from your Account.
  6. If you suspect that your access to RBank Digital has been breached, your mobile device has been lost, stolen or misused, the mobile phone you use to receive SMS Codes has been lost, stolen or misused, or an unauthorized transaction has occurred, you must:
      • call our Customer Care Center immediately;
      • change your password; or
      • unregister the lost or stolen mobile device.

    Any instruction/s and/or request/s we have received and has/have identified by the use of your User ID and password, prior to informing us of such breach or unauthorized disclosure shall be deemed to have been issued by you notwithstanding that such instruction/s and/or request/s may have been issued by a third party, whether authorized or otherwise, and that you shall be bound by and be responsible for any such instruction and request to the extent permitted by law.

  1. We may tell you to use a new password to access your Account for security reasons or if we have suspended, restricted or blocked your access to RBank Digital.
  2. If you use the Mobile Banking Application (“Mobile Banking App”), you have the option to activate fingerprint sign-in (if your mobile device allows control access) using any fingerprint that you store in the mobile device. If you wish to use the fingerprint sign-in, you should ensure that only your fingerprint is stored on the mobile device. Each time the mobile device registers a fingerprint sign-in to authorize any transactions through the Mobile Banking App, you instruct us to perform those transactions.
  3. It is your responsibility to ensure that any electronic device you are using to access RBank Digital is protected and secured, ensuring that it does not have any viruses or any form of program capable of recording sensitive information.
  4. For certain transactions to be processed, we will send a One-Time PIN (OTP) by SMS to your registered mobile number, and you will need to promptly enter the OTP in RBank Digital. We recommend that you register a mobile number that is active and is used only by you. If you update your mobile number, we will send an SMS to both the old and the new numbers.
  5. You may need to enter the OTP for each of the following transactions:
    • Login;
    • Real-time Transfer to Other Bank;
    • Transfer to Other Bank via RTGS, PDDTS, and SWIFT;
    • Update Contact Information;
    • Any other feature that may be deemed to require additional authentication based on our security controls and monitoring.
  6. We do not charge you a fee for sending an OTP to your mobile phone. However, your mobile phone service provider may impose fees and charges, including fees and charges for sending and receiving SMS messages. The payment of any such fees and charges is the responsibility of the mobile phone account holder.
  7. If you downloaded the Mobile Banking App, you may enable the OTP Generator function. Once enabled, the OTP will not be sent to you via SMS. You must use the OTP generated from the Mobile Banking App when it is required. You can also turn off the OTP Generator and the OTP will be sent to you via SMS.

6. Non-Financial Services

The following are the non-transactional services available via the RBank Digital:

  1. Account Balance Inquiry. You may view your Account information (such as balances) and view up to six (6) months of transactions for eligible Accounts. If you set up Quick Balance on your mobile device, you can view the balances for your chosen Accounts without signing into Mobile Banking each time. The information will be viewable by anyone who has access to your mobile device. You can also turn off Quick Balance through Online Banking for your security.
  2. Statement of Account. You may view, download, and print up to twelve (12) months of the official bank statement for eligible Accounts. The downloaded Statement of Account is in PDF format.
  3. Account Opening.
    You may open the following Accounts through the RBank Digital which shall be subject to separate terms and conditions upon opening:

    • Virtual Savings Account
    • Savings Account with ATM/Debit Card
    • Virtual Time Deposit Account
  4. Additional Account Enrollment. Eligible accounts under your name may be enrolled to have access to and use RBank Digital
  5. Report Lost Card. You can suspend the use of your ATM/Debit card as of the date and time of your request, provided that you have entered the required information.
  6. Change Password
    • You may change your password by going to the Profile Maintenance option of RBank Digital at any time. You will be asked to enter your old password for security. The new password must comply with the password policies set by us.
    • Your password will automatically expire after ninety (90) days. If you choose to waive the password change, you may continue to use your current password.
  7. Updating your contact details
    • Email address - You agree to keep your email address current. You may update your email address in the Customer Information page under Profile Maintenance in Online Banking. If you do not provide us with a correct email address, we may not be able to provide you access to RBank Digital and you may not receive important information regarding your Online Banking Account from us.
    • Mobile phone number - We may use your Mobile phone number to send you the One Time PIN (OTP) and any information relevant to RBank Digital. When you change your mobile number, you will need to enter the OTP sent via SMS to your old mobile phone number. If you do not provide us with your correct mobile phone number, you may not be able to access RBank Digital.

7. Financial Services

  1. Order Checkbook. You can order checkbooks for your enrolled checking account. Your selected funding Account shall be automatically debited the total cost of the ordered checkbook/s. The checkbook/s you ordered shall be available at the preferred pickup branch after two (2) weeks from the time your checkbook order instruction was received.
  2. Payments and Transfers
    • We shall not be responsible for any charges imposed on you or any other action taken against you by a payee arising from the non-processing of your instruction due to any of the following reasons/conditions:
      • Incorrect Account Information, including but not limited to incorrect Account Number, Account Name, and the Payment Amount;
      • Insufficient funds;
      • Closed Account, Hold Account or Dormant Accounts;
      • A court order or competent authority prohibits the Account from being involved in a financial transaction; or
      • Circumstances beyond our reasonable control (such as fire, flood or improper transmission or handling of payments by a third party) to prevent the completion of the transaction, despite reasonable precautions taken by us.
    • Payment or transfer from a Robinsons Wallet (RWallet) Card are not permitted via RBank Digital.
    • For immediate transfer or payment, the amount of the payment instruction including the applicable charges and fees are deducted from your Account where the payment came from and will be added to the Account where it is transferred. The Account must have sufficient funds to cover the amount of the payment instruction plus charges and fees as applicable.
    • Applicable charges and fees shall be disclosed prior to your confirmation of the payment instruction.
    • We are under no obligation or liability to proceed with the processing of a payment instruction unless and until your Account has sufficient funds. Only cleared and withdrawable balances shall be considered.
  3. Quick Response (QR) Code. You may transfer funds, pay and/or receive payments for goods or services via QR code through RBank Digital.
    • Services
      • Peer-to-Peer (P2P Transactions)
        • Fund Transfer between two Robinsons Bank account holders. Instead of going through the usual account number entry, the sender can just scan the QR of the recipient to get the details of the account.
        • In the future, QR scanning functionality can be used for Interbank Fund Transfer via InstaPay when QR PH is launched. Processing will follow the existing Direct2Bank InstaPay rules.
      • Peer-to-Merchant (P2M Transactions)
        • The QR scanner shall be available only at participating merchants with "Robinsons Bank QR" logo acceptance.
        • Disputes, which include but are not limited to disputes over the amount paid or received due to errors or mistakes, shall be resolved between the Customer and Merchant. In case the dispute is not resolved between the Customer and Merchant, Customer or Merchant should notify the Bank for further investigation.
        • In the event money were debited from the Customer’s account through QR Payments but is not received by the Merchant, the Customer is required to notify the Bank immediately and the Bank shall investigate and determine if the disputed payment did occur.
        • Provided that the disputed payment were actually wrongly credited into the Merchant’s account, the Customer will work with the Merchant to return the said funds. In case the dispute is not resolved between the Customer and Merchant, Customer should notify the Bank for further investigation.
    • You understand and acknowledge that if any third party obtains access to your mobile device and/or password and/or RBank Digital, such third party will be able to carry-out QR payments transactions. Robinsons Bank will not be liable in any manner for such transactions.
    • You shall take all reasonable precautions to prevent any authorized transactions use of the QR due to loss or theft of your mobile device.
  4. Intrabank Fund Transfer. You may transfer funds of the same currency between enrolled eligible Accounts that are accessible through RBank Digital under your name.
  5. Cross-Currency Intrabank Fund Transfer. You may transfer funds from your enrolled foreign denominated Account to your enrolled Peso denominated Account. Our prevailing buying rate shall be used to convert the amount from the foreign denominated Account to the Peso denominated Account. The converted Peso value shall be transferred to your enrolled checking or savings account. This transaction is not applicable for conversion of a peso denominated Account to a foreign currency Account.
  6. Intrabank Third Party Fund Transfer. You may transfer funds from your enrolled eligible Account to any Account of the same currency.
  7. Real-Time Low-Value Interbank Transfers. You may transfer funds from your enrolled eligible Peso denominated Account to any participating bank’s account. This transaction shall be subject to applicable bank charges and service fees, as determined by us, which shall automatically be debited from your Account. The fee will not be refunded if the payment is rejected or otherwise not received by the recipient.
  8. Interbank Fund Transfer via RTGS
    • You may transfer funds from your enrolled US Dollar Account to any non-BancNet member bank account. This transaction shall be subject to applicable bank charges and service fees, as determined by us, which shall automatically be debited from your Account. The fee will not be refunded if the payment is rejected or otherwise not received by the recipient.
    • The payment instruction must be submitted to us before the specified cut-off time on a banking day to be settled with the financial institution of the payee’s account by close of business on the same banking day.
    • Your payment instruction will be reviewed as part of our fraud prevention process, and may be held until further confirmation is received by you. If necessary, we will make attempts to confirm the payment instruction with you either by telephone or email. You agree to respond to us at your earliest convenience to avoid any delay in processing your payment instruction.
  9. Interbank Fund Transfer via PDDTS
    • You may transfer funds from your enrolled US Dollar Account to any eligible foreign denominated account of a domestic bank. This transaction shall be subject to applicable bank charges and service fees, as determined by us, which shall automatically be debited from your Account. The fee will not be refunded if the payment is rejected or otherwise not received by the recipient.
    • The payment instruction must be submitted to us before the specified cut-off time on a Banking Day to be settled with the financial institution of the payee’s account by close of business on the same banking day.
    • Your payment instruction will be reviewed as part of our fraud prevention process, and may be held until further confirmation is received by you. If necessary, we will make attempts to confirm the payment instruction with you either by telephone or email. You agree to respond to us at your earliest convenience to avoid any delay in processing your payment instruction.
  10. Wire Transfer
    • You may transfer funds from your enrolled eligible foreign denominated Account to any eligible foreign bank account. This transaction shall be subject to applicable bank charges and service fees, as determined by us, which shall automatically be debited from your Account. The fee will not be refunded if the payment is rejected or otherwise not received by the recipient.
    • The payment instruction must be submitted to us before the set cut-off time on a banking day to be settled with the financial institution of the payee’s account within two (2) banking days. However, we cannot guarantee this, and in some circumstances the transaction may be settled longer. Payment instructions received after the set cut-off time may not be processed until the next banking day.
    • If a cross-currency payment was transmitted, the payment instruction amount will be converted to the applicable foreign currency, using the foreign exchange rate of our correspondent bank at the time of making the payment.
    • Your payment instruction will be reviewed as part of our fraud prevention process, and may be held until further confirmation is received by you. If necessary, we will make attempts to confirm the payment instruction with you either by telephone or email. You agree to respond to us at your earliest convenience to avoid any delay in processing your payment instruction.
    • The services of other financial institutions may be used to carry out the payment instruction. Other financial institutions involved in carrying out a payment instruction (such as the recipient’s financial institution or any intermediary financial institution where we do not have a direct relationship) may impose fees, charges and cross-currency conversions. Any overseas financial institution handling charges will be borne by the recipient of the payment instruction and deducted from the payment amount. We do not have any control over the amount and nature of the fees that these institutions may charge.
    • If a payment instruction is returned by an overseas financial institution, we will credit your Account with the currency equivalent of the amount received, at our prevailing buying rate of exchange for that currency on the date we credit your Account.
  11. Bills Payment. You may pay your bills due to various accredited institutions by debiting the amount from your enrolled checking or savings account, and other eligible accounts that may be allowed in the future.
  12. Loan Payment. You can pay your Robinsons Bank Loan Account by transferring the amount from your enrolled eligible CASA or Robinsons Bank Credit Card Account to your enrolled Loan Account, provided that your Loan Account is not in past due status. Your payment shall be reflected to your Loan Account on the next banking day. In the event that your loan payment was successful despite being in past due status, your loan payment shall not constitute any waiver of rights on our part.
  13. Delayed Payments. We will endeavor to process all payment instructions initiated through RBank Digital promptly but there may be delays that are caused by factors beyond our control. If you are reasonably aware that there are technical problems affecting an instruction, our liability is limited to correcting any errors and refunding any fees that may have been charged to you as a result of any delay for the particular transaction.
  14. Scheduled Payments (except Interbank Transfers and Wire Transfers)
    • You can ask us to schedule a payment instruction up to twenty-four (24) months in advance as either a one-time payment or a recurring payment. We recommend that you check the status of your payment instructions after the scheduled payment date to ensure that it was successfully completed.
    • You need to ensure that there is sufficient balance on the source account during the start of day for any scheduled payment.
    • A scheduled payment may not be successfully processed if:
      • there is an insufficient available balance in the Account at the scheduled time and date of the transaction; or
      • the payment will exceed the daily limit for the payment method (if applicable); or
      • an invalid Account is selected.
    • You may cancel or edit the amount of a scheduled payment that is still pending. A change to the scheduled payment will change the other scheduled payments to the same payee or the Recurring payment arrangement. Once a payment instruction has been processed, it cannot be cancelled or edited.
  15. Daily Limits. There is a Daily Payment Limit or the maximum amount you may transfer from your Accounts per day. You will not be allowed to make any payment or transfer if you exceed the Daily Payment Limit. The default Daily Payment Limit for each Account for each service is Pesos: Two Hundred Thousand (Php 200,000.00) or its equivalent per day.
  16. RBank Remit. You may remit funds from your enrolled eligible Accounts to a beneficiary, which will be cashed out through remittance agents.
    • Beneficiary cash out shall only be available through our remittance agents and may be limited to the remittance agent’s select branches. Availability of the remittance agents will be subject to their respective business hours, closure of the selected location with or without prior notice, its communications facility, its system availability, and other conditions including but not limited to power and telecommunications failure, computer or gadgets failure, inclement weather. Failure to proceed with cash out due to the above reasons, shall not be our responsibility.
    • Fees/charges will be applicable and may depend on the remittance agent. These fees/charges may be subject to change from time to time without prior notice. The total fees/charges shall be debited from your eligible Account on top of the principal amount remitted. If remittance transaction was cancelled, only the principal amount will be credited back, the corresponding fee shall not be credited back anymore.
    • Transactions will be processed and will be available for cash out the same day it was successfully transferred in RBank Digital.
    • You may send cash remittance in any Philippine peso denomination, at a maximum of Pesos: Fifty Thousand (50,000) per day.
    • You shall receive notification via a confirmation page, which shall serve as proof that the remittance transaction has been received by us. This confirmation page shall include the Remittance Reference Number that you need to share with your beneficiary which needs to be presented to the remittance agent for cash out. It is your responsibility to inform the beneficiary of an incoming remittance and the requirements to claim. However, as an additional service, we shall also send notice of transaction to you. The beneficiary shall receive a proof of claim from the remittance agent. The beneficiary shall keep this for personal record purposes.
    • The beneficiary shall follow the Know-your-customer (KYC) policies of the remittance agent. The remittance agent has the right to decline cash out transaction should the identity of the beneficiary cannot be identified.
    • The following minimum information shall be required to complete the RBank Remit transaction. This information may change without prior notice.
      • Sender name (First name, middle name, last name)
      • Sender birth date
      • Sender address
      • Sender mobile no.
      • Beneficiary name (first name, middle name, last name)
      • Beneficiary birth date
      • Beneficiary birth place
      • Beneficiary address
      • Beneficiary mobile no
    • Cancellation of submitted remittance instruction can be requested through Customer Service for as long as remittance is unclaimed. For any corrections on the remittance transaction, transaction shall also be cancelled by requesting through Customer Service.
    • All unclaimed/expired remittances will be credited back to your account, excluding applicable fees. The length until a transaction is treated to be unclaimed/expired shall depend on the policies of the Remittance Agent.

8. Charges and Fees

  1. There is no fee for accessing RBank Digital. However, fees and charges may apply for the processing of some transactions.
  2. We reserve the right to and may at our sole discretion, charge and revise from time to time the applicable fees in relation to your use of RBank Digital. We will give reasonable notice to you of the rates and other relevant information on any fees before they become effective provided that the variation is within our control. The obligation to give you advance notice does not apply if variations are required in an emergency or where it is not practical to give such advance notice.
  3. The corresponding fee will be displayed prior to processing a transaction. You may proceed or cancel the transaction at this point. The nominated funding account will be charged of the corresponding fees at the time of processing the transaction.
  4. You authorize us to debit your Account for all fees for the provision and/or use (authorized or unauthorized) of RBank Digital.

9. Suspension and Termination

  1. We may deny you access to RBank Digital without giving any reason or any prior notice should we reasonably believe your access should be suspended or terminated. This includes where we believe that there is a risk of fraud or security breach, or where you have not accessed RBank Digital for a period of six (6) months or more.
  2. You may terminate your use of RBank Digital at any time by giving us written notice or calling our Customer Care Center.
  3. If we need to carry out maintenance or improvement work to any of RBank Digital or if we are required to do so by circumstances beyond our control, we may have to withdraw or suspend the particular service/s so that it ceases to be available to any of our customers. If we do this, we will give you prior notice by either putting a notice on our Website/App or via email, letter or text. We may be unable to give you prior notice if the maintenance or repair work is urgent and important or due to circumstances beyond our reasonable control.

10. Changes to these Conditions

  1. The information in this document is subject to change. We may modify, amend, or revise the Terms and Conditions herein from time to time. You will be given notice of the modifications, amendments, or revisions.
  2. We may give you notice in any of the following ways: a notice displayed on the log on page of Online Banking, via RBank Digital, by post, email, text or by any other means that we may deem necessary.
  3. Continued use of RBank Digital thereafter will constitute acceptance of the modifications and revised Terms and Conditions.

11. Consent to Disclosure/Provision of Information

  1. By applying for or using the RBank Digital platform, you acknowledge and accept that: (a) we may use, collect and process technical data and related information that identifies your mobile device, including but not limited to your mobile unique device ID, operating system, application software, and peripheral hardware; (b) we collect, use and process your personal data/information in relation to services and facilities under the RBank Digital platform; (c) there is disclosure of your personal, sensitive personal, and financial information (hereafter, the “Disclosed Information”) to our Affiliates or Participants or such other third party or their sub-processors exclusively for the purpose of providing and facilitating our services under the RBank Digital platform in accordance with these terms and conditions and our Privacy Consent and Notice (PCN). Such disclosure and use of information may be necessary or inevitable for the purposes of giving effect to any Electronic Instruction from you and/or facilitate or enable your use of RBank Digital platform. Failure to allow such disclosure, access to or use of your Information may result in our inability to offer or continue to offer the services and facilities related to RBank Digital.
  2. In the event you provide personal, sensitive personal and financial information, relating to third parties, you: (a) confirm that you have obtained their consent or are otherwise entitled to provide this information to us and for us to use it in accordance with your specified transaction/s with us; (b) agree to ensure that the personal, sensitive personal and financial information of the said third parties is accurate; and (c) agree to update us in writing in the event or any material change to the said personal, sensitive personal and financial information.
  3. You will provide us with any information or documentation that we may reasonably request relating to your use of RBank Digital and shall cooperate with us in any related investigation or litigation.
  4. Our authority to collect, use or disclose the Disclosed Information as set out in Clause 11 (i) above shall survive the termination of RBank Digital covered under this Terms and Conditions insofar as such continued collection, use or disclosure of the Disclosed Information remains necessary to fulfill any and all legal obligations the Bank may have relative to the prior provisions of RBank Digital, to fulfill any legitimate interests of the Bank, to comply with existing laws and regulations, the protection of the Bank’s lawful rights and interests in legal proceedings and/or in the establishment, exercise or defense of the Bank’s legal claims. Our rights and abilities under Clause 11 (i) above shall be in addition to and without prejudice to our other rights of disclosure pursuant to the Terms and Conditions, Privacy Consent and Notice (PCN), and Republic Act No. 10173, otherwise known as the “Data Privacy Act of 2012”.
  5. You agree that you have full and sole responsibility over the truthfulness and accuracy of the personal data you will provide us in relation to herein services. Neither we nor any of our personnel shall be liable for any loss or damage suffered by you or any user as a result of any disclosure of any information which you have consented to us collect, use or disclose for the purposes provided in this section or where such collection, use or disclosure is allowed under the applicable laws in the Philippines.

12. Other Agreements

  1. You accept full responsibility for monitoring all information and transactions available to you through RBank Digital. You shall notify us immediately if you become aware of any inaccurate information in our records or instruction history. You agree that we will not be liable for any loss whatsoever if you fail to notify us of any such inaccurate information, or if you do notify us, the circumstances were such that we could not reasonably avoid or have avoided such loss from occurring.
  2. You agree to read and comply with the Terms and Conditions herein before availing of RBank Digital.
  3. You hold us, our stockholders, directors, officers, employees, and representatives free and harmless, as well as agree to indemnify us, from any and/or all liabilities, claims, damages, suits of whatever nature, arising out of and/or in connection with your enrollment and instructions initiated through the system using your User ID and password, including any errors inadvertently committed, any computer-related errors resulting to our failure to effect any transactions that you initiated through the system. We will not be held liable for any losses, resulting from circumstances beyond its reasonable control, including but not limited to, failure of electronic or mechanical equipment or communication lines or other interconnection problems, severe weather, earthquakes, floods or other such events.
  4. You agree to waive any bank secrecy rights under Republic Act No. 1405, as amended, Republic Act 6426, as amended, Section 55.1(b) of Republic Act No. 8791 and any and all other laws on the confidentiality of bank deposits.
  5. All terms and conditions of your existing Savings/Current Account/s with us insofar as not inconsistent herewith shall remain in full force and effect.
  6. You agree that where particular transactions, products and services are subject to specific terms and conditions that you entered into with us, insofar as not inconsistent herewith, or that are applicable from time to time, such terms and conditions shall take precedence.
  7. This arrangement shall be governed by all applicable rules and regulations of the Bangko Sentral ng Pilipinas (BSP).
  8. The Terms and Conditions that you entered into herein, together with the addenda, schedules, other written agreements and applicable rules and regulations of Robinsons Bank represent your common understanding and agreement thereto. If any portion in this Terms and Conditions is found to be unenforceable, all remaining portions shall remain in full force and effect.

Version: January 2021