UNIONBANK VISA PLATINUM DEBIT CARD TERMS AND CONDITIONS

By using your Unionbank Visa PLATINUM DEBIT card you unconditionally agree to be bound by the laws,  rules,  regulations,  and  official  issuances  applicable  on  the matter, now  existing  or  which  may hereinafter  be  enacted,  issued  or  enforced.  All the  Terms  and  Conditions  in  the  Unionbank  Visa PLATINUM  DEBIT  card  Agreement have  been  read  and  understood  by  you  as  evidenced  by  your signature on the application form, VISA PLATINUM DEBIT Card and/or charge/sales slip.

These  terms  and  conditions  comprise  the  agreement  between  UnionBank  of  the Philippines  and  the
Cardholder in connection with the Cardholder's VISA PLATINUM DEBIT card.

1. Interpretation

1.1. In these terms and conditions:

1.1.1. "Account" means the bank account held or to be held with the UnionBank in the name of the Cardholder (whether solely or jointly with another person), the number of which
is or shall be specified in the application form for the Card and communicated to the Cardholder as appropriate.
1.1.2. "Account Currency" means the currency in which the Account is denominated.
1.1.3. "Bank" means UnionBank of the Philippines.
1.1.4. "Card" means  a  VISA  PLATINUM  DEBIT Card,  including  any  renewal  or  replacement Card.
1.1.5. "Cardholder" means  the  person  having  power  alone  to  operate  the  Account  in accordance with the bank mandate in respect thereof.
1.1.6. "PIN" means the personal identification number issued to the Cardholder from time to time for use with the Card.
1.1.7. "Transaction" means  any  cash  withdrawal  or payment  made  using  the  Card,  or  any refund  arising  in  connection  with  the  use  of  the  Card  in  any  authorized  manner  for debit or credit to the Account.
1.1.8. "Visa" means Visa International.
1.1.9. "Working Days" means Monday to Friday inclusive except Bank holidays.

1.2. In these terms and conditions references to the singular include the plural and vice versa and references to one gender include references to the other gender. The headings used herein are for ease of reference only.

2. Card facilities

2.1.The  Cardholder  may  use the  Card  to  pay  for  goods  or  services  at retailers  or  suppliers worldwide who accept the Card by signing a sales voucher, by entering the Card information on the Internet, by signing a mail order purchase form showing the number printed on the Card or by placing an order by telephone and quoting the number printed on the
Card, and the Bank will debit to the Account the amount of any such Transaction authorized in such way.
2.2. The  Cardholder  may  use  the  Card  in  conjunction  with  the  PIN  to withdraw  money  from automated teller machines that accept the Card when they are operating. The amount of money so withdrawn by the Cardholder shall be debited to the Account.
2.3. The Cardholder may use the Card in conjunction with the PIN to pay for goods and services by using a card operated machine at retailers or suppliers worldwide who offer this facility. The Bank shall debit to the Account the amount of any Transaction authorized in this way.
2.4. The  Cardholder  may  use  the  Card  at  any  bank  that  accepts  the  Card  to withdraw  money or make payment by signing a voucher, the amount of which shall be debited to the Account.
2.5. In addition to the amount of all Transactions, certain charges will be debited to the Account as provided for herein.

3. The Card

3.1.The  Card  belongs  to  the  Bank  and  the Bank  or  any  authorized  officer, servant,  employee, associate or agent of the Bank may retain the Card, require the Cardholder to return the Card or suspend the use of the Card at any time in its absolute discretion and the Bank shall not be liable for any loss or damages suffered by the Cardholder as a result thereof.
3.2.The Card will not become valid or operational until the Cardholder acknowledges receipt of the Card  by  signing  on  the  appropriate  Bank documents.  The  Card  is  only  valid  for  the  period shown on it and must not be used outside that period or if the Bank has required by notice in writing to the Cardholder that it be returned to the Bank. When the period of validity of a Card expires it must be destroyed immediately by the cardholder by  cutting it in half through the magnetic strip.
3.3.The Cardholder must take all reasonable precautions to prevent unauthorized use of the Card, including, not allowing anyone else to use the Card and telephoning the Bank, in accordance with paragraph 3.2 above, to immediately acknowledge receipt of the Card.
3.4. If the Card is lost or stolen the Cardholder or any other person acting on behalf of the Cardholder shall immediately notify the Bank or the Visa Customer Assistance Service by telephoning the number(s) from time to time notified to the Cardholder and the Cardholder must, in addition, immediately notify relevant law enforcement agencies. The Cardholder must confirm the loss of the Card by notice in writing to the Bank within seven days of having notified the Bank by telephone.
3.5. The Cardholder must co-operate with any officers, servants, employees, associates or agents of the  Bank  and/or  law  enforcement agencies  in  any  efforts  to  recover  the  Card  if  it  is  lost  or stolen. The Bank may disclose information about the Cardholder and the Account if the Bank thinks it will help avoid or recover any loss to the Cardholder or the Bank resulting from the loss, theft, misuse or unauthorized use of the Card.
3.6. If the Card is found after the Bank has been given notice of its loss or theft the Cardholder must not use it again. The Card must be cut in half through the magnetic strip and returned to the Bank immediately.

4.The PIN

UnionBank  issues  a  Personal  Identification  Number  (PIN)  to  the Cardholder  for  use  with  the  Visa PLATINUM DEBIT Card. The Cardholder agrees to keep the PIN private and strictly confidential and agrees  that these  shall  not  be  disclosed,  given  or  made  available  to  any  person under  any circumstances. The Cardholder must take all necessary precautions to avoid unauthorized use. The Cardholder agrees to free UnionBank of any liability that results from disclosure of the PIN.

5.Charges

5.1. The Bank shall charge a fee to the Cardholder, unless he is tagged as Business Class, in respect of each cash withdrawal made using the Card for which a charge is levied by Visa, Megalink, and Bancnet in accordance with the Bank's schedule of fees from time to time in force.
5.2. The  Bank  shall  convert  the  amount  of  every  Transaction  made  in  a
currency  other  than  the Account Currency  based on the VISA Foreign Exchange rate at the time of the transaction. If the  Account  Currency is  in  Philippine  Pesos  and  cardholder  uses  his  Card  outside  the Philippines, the transaction shall be converted  to its Philippine Peso equivalent based on the VISA Foreign Exchange rate at the time of the transaction. Similarly, if the Account Currency is US  Dollars  and the  Cardholder  uses  his/her  Card  at  a  Philippine  peso-denominated VISA affiliated merchant, the transaction amount will be converted to its US dollar equivalent based on the prevailing VISA Foreign Exchange rate at the time of the transaction.
5.3. The  Cardholder, unless  he is  tagged  as  Business  Class, shall  be  charged  in  respect  of  every withdrawal Transaction made in a currency other than the Account Currency in respect of the conversion of the amount of the transaction into the Account Currency, in accordance with the Bank's  schedule  of  fees from  time  to  time  in  force.  The  following  transaction  fees  shall  be imposed on all ATM transactions of the Cardholder outside the Philippines:

5.3.1. US $3.00 for every ATM transaction approved;
5.3.2. US $1.00 for every ATM balance inquiry;
5.3.3. US  $1.00  for  every  ATM  transaction  declined  for  reasons insufficient  funds  and/or exceeds the daily transaction frequency.

6. General

6.1. The  total  amount  of any  Transactions  carried  out  in  any  one  day  shall be  limited  to  such amounts and by such other conditions as shall be notified by electronic means or in writing to the Cardholder by the Bank from time to time with effect from the date of such notice.
6.2. The Bank will issue a Card only if the Cardholder has completed an application form and it has been accepted by the Bank, or if the Bank at its discretion is replacing or renewing a Card.
6.3. The Cardholder is not authorized to enter into Transactions using the Card to a value in excess of the credit balance (if any) of the Account.
6.4. If the Bank is asked to authorize a Transaction, the Bank shall take into consideration any other  Transactions  which  have  been  authorized but  which  have  not  been  debited  to  the Account (and any other transactional activities upon the Account) and if the Bank determines that there are or will be insufficient available funds in the Account to pay the amount that would be due in respect of such Transaction, the Bank may in its own absolute discretion refuse to authorize such Transaction, in which event such Transaction will not be debited to the Account. The Bank shall not be liable for any loss or causes of action resulting from any such refusal to authorize any Transaction.
6.5. The  Cardholder may  use  the  Card  to  obtain  the  services  described  in  these  terms  and conditions  and  such  other  services  as  the  Bank  may  provide  from  time  to  time.  All  such services will be subject to these terms and conditions.
6.6. The Card shall in no event be used by any person other than the Cardholder.
6.7. The Bank shall not be liable for any loss resulting from the refusal of any retailer, supplier, other  bank  or  card  operated  machine  to  accept  use  of  the  Card  in  connection  with  any Transaction. No claims of the Cardholder against any retailer or supplier may be the subject of set-off, claim or counterclaim against the Bank.
6.8. The Cardholder shall immediately notify the Bank if:

6.8.1. an entry appears on the statement of the Account which is believed to be incorrect as  soon  as possible  but  in  any  event within  twenty - five  days  of  the  date  of  such statement; and
6.8.2. the Cardholder's address is changed, as soon as possible.

6.9. A Transaction cannot be cancelled by the Cardholder after it has been completed.
6.10. If a retailer or supplier makes a refund by means of a Transaction the Bank will credit the Account  when  it  receives  the  retailer  or  supplier's proper  instructions  and  the  funds  in respect  of  such  refund,  provided that  the  Bank  will  not  be  responsible  for  any  loss  or damages resulting from any delay in receiving such instructions and funds.
6.11. When  the  Card  is  used  to  effect  a  Transaction  through  Visa  (whether with  a  retailer  or supplier, a bank or from a card operated cash machine) in a currency other than the Account Currency, Visa will convert the amount of the Transaction into the Account Currency at the applicable exchange rate on the day upon which it receives notification of the Transaction.
6.12. The Card shall not be used to guarantee payment of cheques drawn on the Account.
6.13. The daily transaction limit refers to working days only. Transactions on non working days refer to the previous work days limit.
6.14. The card shall not be used as payment for an illegal purchase.

7.Termination

7.1. The  Bank  may  terminate  the  Agreement  comprised  in  these  terms  and conditions  by notifying the Cardholder in writing to that effect at any time. The Cardholder may terminate the  Agreement  comprised  in  these terms  and  conditions  by  notifying  the  Bank  in  writing, cutting the card in half through the magnetic strip and returning the Card to the Bank. Such termination shall be effective, subject to the provisions of the following paragraphs of this clause, upon receipt by the other party of such notice and the Card.
7.2. The Agreement comprised in these terms and conditions, shall be deemed to remain in full force  and  effect  if  and  in  so  far  as  any Transaction  is  completed  but  not  debited  to  the Account prior to termination thereof.
7.3. Termination of the Agreement comprised in these terms and conditions shall not prejudice any liability in respect of things done or omitted to be done prior to termination thereof.

8. Miscellaneous

8.1. The Bank shall not be liable to the Cardholder for any loss suffered as a result of the Bank being  prevented  from  or  delayed  in  providing  any banking  or  other  services  to  the Cardholder due to strikes, industrial action, failure of power supplies, systems or equipment or causes beyond the Bank's control.
8.2. These terms and conditions and the banking practices and charges relating thereto may be changed by the Bank at any time by notice thereof to the Cardholder. Any such changes will be effective from the date of the notice or such later date as may be specified therein.
8.3. If the Card is to be issued to a corporate entity the Bank reserves the right to vary and/or add to these terms and conditions as it may in its discretion consider appropriate.

RESPONSIBILITY FOR THE USE, CUSTODY AND SECURITY OF THE CARD

The Cardholder shall at all times be responsible for the proper use, custody, safekeeping and security of the Card and as such, shall take all necessary precautions to protect the card from loss and prevent the disclosure of the PIN to other parties. Accordingly, the Cardholder shall hold the Bank free and harmless against  any  and  all  consequences  of  unreported  loss,  PIN  disclosure,  fraudulent  and/or unauthorized  use  of  the  Card.  The  Member/Cardholder  agrees  to  indemnify the  Bank  against  any loss,  damage,  cost,  expenses  (including  legal  fees)  that  they may  suffer  or incur  as  a  result  of  the same.

The Card shall be properly signed and activated before the Cardholder may enjoy the full use and benefits of the card.

LOSS OF CARD AND REPLACEMENT

The Cardholder shall report loss of the Card immediately to the Bank’s Call Center at  841-8600 (local) or at IAC+800-8277-2273 (international).

The Bank shall place a “Hot Card” status on the card and a hold on the account to prevent further transactions upon receipt of notification from the Cardholder. The Bank shall not be liable for any withdrawal or losses that may arise due to the loss of the Card despite receipt of notification from the Cardholder, should it appear that such transaction is made prior to the Bank’s maintenance of the “Hot Card” status and hold on the account. The “Hot Card” status and the hold shall be lifted by the Bank only upon receipt of written notification from the Cardholder. To replace a lost card, the Cardholder shall execute an Affidavit of Loss which shall personally be submitted to the maintaining branch immediately from the time and date the lost card was reported. The Bank  may charge the Cardholder a specified fee for the replacement of lost or stolen card.

CARD EXPIRATION AND RENEWAL

The  Card  automatically  expires  on  the  date  indicated  on  the  face  of  the  card.  To renew,  the Cardholder may be required to accomplish and submit a Renewal Form to the maintaining branch. Expired Cards shall not be honored with respect to the defined uses and benefits to which the Card was issued.

WORN-OUT/DEFECTIVE CARD AND REPLACEMENT

Requests  for replacement  of  worn  out,  destroyed  or  defective  Card  may  be  made with  the maintaining branch. The Cardholder may be required to pay a specified fee for the replacement of worn-out/defective card.

LEGAL RECOGNITION OF ELECTRONIC WRITING OR DOCUMENT AND DATA MESSAGES

Transactions  using  the  Card  shall  have  the  same  legal  status  in  the  Philippines  as paper-based transactions and manually signed signatures under the Electronic Commerce Act (ECA 2000).

INTERNET BANKING

The  Cardholder  shall  use  his  PLATINUM  DEBIT card  number  and  ATM  PIN  to  access UnionBank Internet  Banking.  The  Cardholder  must  immediately  report  to  the  Bank any  case  of  the  PIN  being compromised or used by a person other than the Cardholder to access UnionBank Internet Banking.

The  deactivation  of  the  access to  Internet  Banking  shall  take  effect  only  after  the  report  has  been received from the Cardholder and the compromised PIN status has been duly maintained by the Bank in the Cardholder's account. The Bank shall not be liable for any debit transactions or losses that may arise  due  to  the  compromised  PIN  despite  receipt of  the  Cardholder's  report,  should  it  appear  that such transaction is made prior to the deactivation of the Cardholder's access to Internet Banking.

The account is further subject to UnionBank's terms and conditions regarding Internet Banking, which is available in UnionBank Internet Banking website.

1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com/ and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.