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3.10 The Bank shall deem credible the data under its possession, including those submitted by the Client, and shall rely on them as long as the Bank has not informed the Client, in a due manner, of the changes therein. Meantime the Bank shall have the right to verify the information provided by the Client in which connection the Client shall, by concluding the Agreement, authorize the Bank to make any repeated verification (necessary in the opinion of the Bank), making inquiries on behalf of the Client with individuals and agencies posssessing such information
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3.10 The Bank shall deem credible the data under its possession, including those submitted by the Client, and shall rely on them as long as the Bank has not informed the Client, in a due manner, of the changes therein. Meantime the Bank shall have the right to verify the information provided by the Client in which connection the Client shall, by concluding the Agreement, authorize the Bank to make any repeated verification (necessary in the opinion of the Bank), making inquiries on behalf of the Client with individuals and agencies posssessing such information. At the same time, the Client is aware that the identification of the recipient of the transfer can be carried out by the recipient's bank, based only on the account number.
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3.16 The Client shall make the payments for the services provided by the Bank in accordance with the Bank's Tarriffs; meantime, the currency for the said service shall be converted in accordance with rate established by the Bank. The Bank shall have the right, without additional instructions by the Client, to charge, without acceptance, the fees established subject to the tariffs, as well as the expenses made by the Bank as a result of providing the Client with services – and in the event of generating debts to the Bank under the agreements signed therewith, directly from the Client’s Accounts without additional assignment’s by the Client. Meantime, the Bank shall have the right to convert the amount to be debited from the currency account at the rates by the Bank and to charge the fee for conversion established by the Tariffs.
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3.16 The Client shall make the payments for the services provided by the Bank in accordance with the Bank's Tarriffs; meantime, the currency for the said service shall be converted in accordance with rate established by the Bank. The Bank shall have the right, without additional instructions by the Client, to charge, without acceptance, the fees established subject to the tariffs, as well as the expenses made by the Bank as a result of providing the Client with services – and in the event of generating debts to the Bank under the agreements signed therewith, directly from the Client’s Accounts without additional assignment’s by the Client. Meantime, the Bank shall have the right to convert the amount to be debited from the currency account at the rates by the Bank and to charge the fee for conversion established by the Tariffs.
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9.1 The Client can register as a user of the I-banking system by visiting the Bank and signing the corresponding application-offer or independently by submitting the corresponding application-offer via Ardshinbank I-banking system (following the steps described in the “Guideline for online registration of a client-individual person in Mobile banking system", posted on the official website of the Bank), or remotely. When registering online, the Client is provided with limited access/only review access, and in cases provided by the Bank, the Client can be provided with access to use the services of the System.
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The Client using the I-banking mobile system can register both by visiting the Bank to sign the corresponding application-offer or independently by submitting the corresponding application-offer via Ardshinbank I-banking system (by accessing the Bank’s official website to follow the steps described in the “Guideline for the Online Registration of a Client Acting in the Capacity of a Natural Person in Mobile Banking System”), or remotely. In case of the Client’s registration online, the Client shall be provided with limited/only review access and in cases established by the Bank -the Client may be authorized to use the services accessible via the System.
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9..3 The Client accepts that connection to Ardshinbank I-banking service described in paragraph 9.2 via a remote system is available to clients using the services of issuing, reissuing and servicing Debit/settlement cards, as well as attached cards only in remote mode.
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9.7 The Client accepts and agrees that instead of the SMS code, he can use another Token App or software tool (Google authenticator), which generates a one-time unique identification code, and with which the Client logs in and/or two-level transaction confirmation. The client chooses the software tool himself and bears all risks, losses and losses associated with his choice.
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9.8 The Client also accepts and agrees that if the System is available through the mobile application, PIN code, touch ID, Face ID on the mobile phone is used instead of SMS code when logging in and confirming transactions, except for the first login, in which identification using a one-time SMS code is applied.
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9.9The Client accepts and agrees that in order to deactivate/restore the selected and activated Token App or other software tool (Google authenticator), he must contact the Bank's communication center by calling 374 12 222222.
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9.10 Clients - individual entrepreneurs and legal entities, users of the Ardshinbank I-banking system, can change their passwords by calling the Bank's communication center or their servicing branch. After proper identification of the Client, an employee of the communication center or branch ensures that a new password is sent to the Client - an individual entrepreneur or legal entity in the form of an SMS message. The caller is also subject to identification, and can only change his/her user password. If it is impossible to properly identify the Client and (or) the user, the request to change the password is rejected. Directors of clients - individual entrepreneurs or legal entities of Ardshinbank I-banking system can apply for changing a user password, terminating a user or registering new users also via I-banking system means of communication.
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9.10 Ardshinbank I-banking users acting in the capacity of sole entrepreneurs and legal entities can change their passwords by calling the Bank's communication center or their servicing branch. After proper identification of the Client, an employee of the communication center or branch shall ensure that a new password in the form of an SMS message is sent to the Client acting in the capacity of a sole individual entrepreneur or a legal entity. The person making the call also undergoes an identification procedure and can change only his/her password as a user. Whenever it is impossible to ensure the proper identification of the Client and (or) the user, the request for changing the password shall be rejected. The directors of Ardshinbank I-banking clients acting in the capacity of sole entrepreneurs or legal entities can submit their user password change or user suspension, and new user registration bids also via the I-banking communication tools.
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The Client is obliged to notify the Bank immediately in case of loss of access passwords, as well as loss of security certificates and other software if disclosed to third parties or threat to use them.
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The Client is obliged to notify the Bank immediately in case of loss of access passwords, as well as loss of security certificates and other software if disclosed to third parties or threat to use them.
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9.15.2 The client determines the method of identification in the System for each user mentioned in the offer, and regardless of the method and means of authorizing transactions, the confirmation of the operation by the Client (the User) in the System via the available instrument is proved by a properly certified instruction of the Client with relevant rights and obligations.
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9.15.2 The client determines the method of identification in the System for each user mentioned in the offer, and regardless of the method and means of authorizing transactions, the confirmation of the operation by the Client (the User) in the System via the available instrument is proved by a properly certified instruction of the Client with relevant rights and obligations. The Client can get acquainted with the list of the Bank's services on the official website of the Bank www.ardshinbank.am .
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9.15.10 The limits, specified in the application-offer of an individual person (except for sole entrepreneurs) on provision and maintenance of the System or the Bank's offer for connection to the System, are standard. If other limits are set by the terms of the System, these limits apply, which may be unilaterally changed from time to time by the Bank. The limits specified in the application-offer of an individual person (except for sole entrepreneurs) on provision and maintenance of the System or the offer of the Bank for connection to the System, as well as limits specified in the terms of the System (except for limits set for the Telephone Bank tool), can be changed also based on the Client's offer (in the form acceptable to the Bank) to change the terms of service of the System upon its acceptance by the Bank.
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9.15.10 The limits, specified in the application-offer of the client on provision and maintenance of the System or the Bank's offer for connection to the System, are standard. If other limits are set by the terms of the System, these limits apply, which may be unilaterally changed from time to time by the Bank. The limits specified in the application-offer of the client on provision and maintenance of the System or the offer of the Bank for connection to the System, as well as limits specified in the terms of the System (except for limits set for the Telephone Bank tool), can be changed also based on the Client's offer (in the form acceptable to the Bank) to change the terms of service of the System upon its acceptance by the Bank.
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