Terms and conditions of use of the BT24 Mobile Banking application

Mobile Banking involves the performance of banking operations through the Internet, as a result of the allocation, by the BANK, to the USER, for his personal use or exclusively for the use of the person he represents, of certain rights (non-exclusive, limited and revocable) of access to the Mobile Banking service / application.In order to use the Mobile Banking service / application: the purchase of the necessary hardware and software (smartphone with functional operating system that to include an internet browser), the necessary licenses, the provision of internet connection, are the sole responsibility of the CLIENT.

Minimum technical requirements

The bank ensures the operation of the banking transaction system through the Mobile Banking service on the operating systems: Symbian – S40/S60 (S40 edition 6 or the following) Blackberry (version 4.6 or the following), Android (version 1.5 or the following) or on the Safari browser (iPhone). Banca Transilvania's mobile app can be installed on Android version 2.3 and iOS version 4.3. from dedicated stores (Play store – for Android, respectively Itunes – for iOS).

Due to the multitude of possible combinations between operating systems and internet browsers, as well as due to their different behavior depending on the factors related to their differentiation, the Bank does not guarantee full compatibility for each Internet browser in current or future versions. The bank will constantly seek to develop alternatives to make it possible to connect with current and future operating systems and internet browsers other than those mentioned above. The Client will be informed about these updates through any of the communication channels that the Bank has at its disposal. THE BANK has no liability regarding any errors that may occur in the use of the Mobile Banking service / application and that are due to malfunctions, errors or non-compliance with the legal provisions regulating the use of services, in general and telecommunications services, in particular.

The functionality of Banca Transilvania's Mobile application is described in the user manual of the application.

The customer has the obligation, in order to use BT NEO, to have installed on the electronic equipment they use, the latest licensed versions of operating programs / operating systems and antivirus programs, as well as of computer programs for the protection of electronic equipment (antivirus programs, antispy, firewall, etc.). The user also has the obligation not to download on the electronic equipment used, programs from unidentified / unofficial sources or unlicensed programs / applications, bearing full responsibility in this regard."The Bank has no responsibility for any hardware / software used by the client / user, as this equipment is outside the control of the Bank. 

The bank is not responsible for the failure of NEO BT to function properly, due to the equipment/software, etc. used by the user. 

At the same time, the user declares and understands that in the transmission of information through computer networks there is a risk of phishing attacks, through which third parties try to illegally obtain information on the user's authentication data, to access the user's information and / or to destroy / modify the content of the orders transmitted online by the user. By using NEO BT, the Client assumes the risks of targeted phishing attacks on him, as well as the users mandated by him to access the application. 

The bank will not be responsible for the non-functioning/malfunctioning of the application for reasons related to the operation of the user's electronic equipment through which the BT NEO is accessed.

Mobile Banking Service

The access is made from the bank's website, the mobile version (m.btrl.ro) The user's access to the Mobile Banking service is made according to the authentication method chosen by the client, from among the methods made available by the bank at the time of signing the contract. In the case of authentication by SMS-OTP, the user enters on the login page of the application the login ID assigned by the bank and the password used to access the internet-banking application. The Mobile Banking service does not involve the installation of any application.

In the case of authentication by means of a token, the user enters on the application log-in page the login ID assigned by the bank and the unique code generated by the token. In the case of authentication by authentication certificate, the user enters on the application login page an identifier (user ID) assigned by the bank and password used to access the internet banking application. The ron-transfer payment operations and the payment of lei- budget in RON can be performed only to the beneficiaries previously defined by the client in the internet-banking application.

Banca Transilvania Mobile application

Access to the Mobile app is based on an access PIN code generated after activating the application. The activation of the mobile application can be done only from the internet-banking application, only if you have set a phone number at the bank for receiving sms and only if you have previously set the mobile banking service. The signing and implicit transmission to the bank of the operations is done by entering the previously selected confidential PIN code. Through the Banca Transilvania mobile application, a wide range of banking operations can be performed – their typology can be viewed by accessing banca Transilvania's website.

The use of the Banca Transilvania Mobile application can be made only after the customer has accepted the permissions: the camera (access to the camera being requested only when using the option of scanning the barcodes of invoices), location (checked only in the section "Locations of units and ATMs" for displaying the nearest units and ATMs Banca Transilvania), contacts (their list is open only when accessing the Email / SMS Payments for automatic filling in the beneficiaries' details), status and phone identity (the IMEI is necessary for activating the Banca Transilvania Mobile application).

Banca Transilvania undertakes to ensure the functionality of the application in accordance with the conditions of use, without affecting the confidentiality of the data and the identity of the person. The permissions addressed are mandatory requirements requested by the operating systems, and the Bank does not assume responsibility for the impermissible use, incompatible with the aforementioned purpose, abusive or illegal of the mentioned data, the user expressly stating that he exonerates the credit institution for any such liability by downloading the application and expressing the access agreement to the data mentioned above.

Costs

The cost of the mobile banking option is 4 lei for individuals, authorized individuals, medical offices, law offices, notaries public, expert accountants, family associations / family enterprises, other individual entrepreneurs or 5 lei for legal entities and non-profit associations, to which are added the commissions related to the operations performed.

The value of the mobile banking option is added to the value of the subscription related to the internet banking application.

Confidentiality of access data

The User assumes responsibility for the disclosure of its identification data to other persons including as a result of "phising" attempts, this being a case of gross negligence on the part of the user. The user must inform the BANK as soon as he finds that an unauthorized person has become aware of his identification elements (including if the access data have been disclosed to third parties, that as a result of "phishing" attempts. The user is obliged to notify the bank if the mobile device is no longer in its possession.

Block/disable access

The Bank has the right to block the Client's access to the Mobile Banking application when it has reasonable suspicions that the Client's identification / access elements in the application are used by unauthorized persons and / or in a fraudulent way (including in the situation when there are suspicions of fraud through "phishing" attacks). The client may request the deactivation of the mobile banking option directly from any BancaTransilvania unit, at least 30 days before the requested date for restricting access or directly from the internet-banking application, secure messaging. The client may renounce this service only with the prior fulfillment of the obligation to pay in full the registered debts to the bank.

Recommendations for the safe use of the service and the mobile application can be found on banca Transilvania's website.