Electronic Bill Presentment And Payment Service Terms and Conditions (“Terms”)

1. INTRODUCTION

1.1 These Terms apply to you and to your use of the Service.
1.2 These Terms must be read together with the terms and conditions for Digital Banking which also apply to your use of the Service as they are a binding agreement between you and us.
1.3 The Terms become effective when you make use of the Service and we may change them from time to time. The latest version of the Terms applies to you each time you use the Service.
1.4 If there is a conflict between these Terms and the Digital Banking terms and conditions, these Terms will apply for the Service.
1.5 You must carefully read and fully understand these Terms as they impose legally binding obligations on you and contain exclusions and limitations of our liability that affect you. You assume all risks associated with your use of the Service.
1.6 Important clauses which may limit our responsibility or involve some risk for you appear in bold and italics or highlighted. You must pay special attention to these clauses.

 

2. Definitions

Words defined in the Digital Banking terms and conditions shall have the same meaning in these Terms unless otherwise specified. We have defined some words tobe consistent. These words will begin with a capital letter, where indicated. Singular words include the plural and the other way round.

Account An active personal or business transaction account held with Standard Bank.
Bill means any bill generated by a Bill Issuer in respect of goods sold and/or services rendered and which Bill has become due, owing or payable by you or third party to you.
Bill Issuer means a person registered with us who issues bills using the Service.
FAIS means The Financial Advisory and Intermediary Services Act, 37 of 2002, as amended from time to time and including subordinate legislation.
FICA means Financial Intelligence Centre Act, 38 of FICA 2001, as amended from time to time and including sub-ordinate legislation.
Service means the electronic bill presentment and payment service available on Digital Banking which allows you to make payment of a Bill on behalf of yourself or on behalf of a third party known to you.
we, us or our means The Standard Bank of South Africa Limited (Registration Number 1962/000738/06) and its successors or assign
you or your means the person who registers for and uses the Service.

 

3. USE OF THE SERVICE

3.1 You must be a Standard Bank client registered for Digital Banking and you must have an Account with us to use the Service..
3.2 When you access the Service on Digital Banking, you will be required to provide us with your Personal Information or the Personal Information of the known third party on whose behalf you intend to make payment of the Bill. You confirm that when you give us Personal Information about or on behalf of other persons (including , but not limited to, account signatories, shareholders, principal executive officers, trustees and beneficiaries or third parties known to you), you confirm that you are authorised to: (a) give us the Personal Information; (b) consent on their behalf to the Processing of their Personal Information, specifically any cross-border transfer of Personal Information into and outside the country where the products or Service is provided; and (c) receive any privacy notices on their behalf.
3.3 The information which we provide you on the Bill is obtained from the Bill Issuers. We are not responsible for any loss you may suffer if the Bill Issuer provides us with the incorrect Bill information.
3.4 We are not responsible if the incorrect information is submitted to the Bill Issuer or if the Bill Issuer provides you with the incorrect Bill information.
3.5 You must ensure that you capture the correct identity number and payment amounts when using the Service. Once you finalise a Bill payment, it cannot be reversed. We will not verify any information provided to us and will assume that all information captured by you is accurate and correct.
3.6 We are not responsible for any loss you may suffer if you have captured the incorrect identity number or payment amount and a payment is made to an incorrect Biller or payment of an incorrect amount is processed. You will be required to engage directly with the Biller to request a refund or see other rectification remedies in such circumstances
3.7 When you make use of the Service, the payment amount captured by you is at your discretion and is not prescribed by Standard Bank. Payment amounts are subject to the terms of the agreement between you and the Biller or the known third party and their Biller (as applicable).
3.8 We will not become involved in any dispute between you and the Bill Issuer or the third-party know to you and the Bill Issuer. If there is any conflict between the amount which we receive from the Bill Issuer and communicate to you when you use this Service and the amount which the Bill Issuer advises that you or a thirdparty known to you owes them in their billing processes, such conflict in amount must be resolved directly with the Bill Issuer.
3.9 We are not involved in any partnership, joint venture or agency with any Bill Issuer.

 

4. FEES

4.1 We will charge you a fee for your use of the Service. For more information about the fees please refer to our pricing guide. A copy can be obtained on our website: www.standardbank.co.za.
4.2 All fees must be paid from your Account. A payment cannot be processed if the payment amount exceeds the funds available in your Account.
4.3 If you do not pay our fees or do not have enough money in your Account to pay them, we may stop you from using the Service. We may also deduct (take off) any fees you owe us from any other Account you have with us.
4.4 The fee for the Service provided may change from time to time. We will provide you with advanced notification in these circumstances.

 

5. RISK AND INDEMNITY

5.1 Use of the Service is entirely at your own risk. We are not responsible for any loss or damage you suffer caused as a result of your use of the Service or any error when making a payment, whether or not the loss or damage was due to factors within our control.
5.2 You indemnify us against any and all claims or losses we or any third party may suffer as a direct or indirect result of your use of the Service.

 

6. GENERAL

 

6.1 You may not change any provisions of these Terms.
6.2 South African law governs these Terms.
6.3 Any favour or concession we may allow you will not affect or substitute any of our rights against you.
6.4 The invalidity, illegality or unenforceability of any of the clauses of these Terms shall not affect the validity, legality and enforceability of the remaining clauses of these Terms.