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Subject to the requirements of statute, notification of any such change shall be given to the Cardholder by the Bank either in writing or by publication thereof. Such changes shall apply to all unpaid Finance Charges, Fees, Cash Advances, Costs and Card Transactions. These complaints might be resolved as per the policy of respective cost network (Visa/ Mastercard) and the decision of the cost network will be considered as last. The Bank cannot be held responsible for setting claims emanating from this scheme or for the approval or rejection of any claim. If you fail to notify BRAC Bank inside a hundred and twenty days of buying the product/service; the Bank will not be held liable to entertain the complaint. The Bank shall be entitled at any time with out the consent of the Cardholder to assign and transfer the whole or any a half of its rights of obligations beneath this Agreement.

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In reference to the particular discounts/offers made by the respective Merchants, the Bank will not be held accountable the place any of the Merchants withdraws, cancels, alters, or amends these products/services. In addition, the Bank reserves the best to change the benefits out there to Cardholders at any time with out prior discover. In connection with the particular discounts/offers made by the respective Merchants, the Bank does not maintain out any guarantee or make any illustration of the supply, high quality, design, specifications or otherwise set out in respect of these presents. Also, these products/services are topic to availability and will be allotted on a primary come, first server basis.

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Installment tenure could differ from three to 36 months. In the event that the cardholder recovers the misplaced or stolen card, he/she shall instantly return the identical minimize in halves to the Bank without utilizing it. The Cardholder shall not use the PIN after reporting to the Bank of the disclosure of the identical to any other celebration. BRAC Bank shall present Statement by way of email until the Cardholder explicitly informs the Bank that s/he needs hardcopy assertion.

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« Credit Limit / Purchase Limit » means the maximum debit stability permitted by the Bank for the Card Account for the Primary and the Supplementary Card, if any and notified to the Primary Cardholder every so often. « Cardholder » means an individual whose name is in a Card Account and who is responsible for all transactions and liabilities on the Card Account. It contains Primary and any Supplementary Cards. « Authorized Dealer » means a licensed supplier as defined in the Foreign Exchange Regulations Act 1947 as amended from time to time.

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If the agreed delivery date of the net purchase is past a hundred and twenty days; BRAC Bank is not going to be held liable to entertain any grievance concerning non-delivery of that product/service. When presenting the Priority Pass card on getting into the lounge, lounge workers will take an imprint of the card and concern a ‘Record of Visit’ voucher to the cardholder or make a log entry. Some lounges have digital card readers, which is in a position to take the cardholder’s element off the magnetic strip on the reverse facet of the Priority Pass card. Where relevant, the cardholder should sign the ‘Record of Visit’ voucher, which will also reflect the precise number of accompanying guests, if any, but does not present any per particular person per go to cost. In the event of any quantity charged towards Priority Pass Lounge visits, which is due and payable by the shopper, the client shall be liable to make the cost to the Bank irrespective of whether or not the card has been closed for any reason whatsoever.

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In the event of the said bank account not having adequate funds on the Payment Due Date or subsequent 2 consecutive days, the Cardholder shall be liable to pay all of the Charges relevant along with the Card dues. The Cardholder agrees and confirms that each one the particulars submitted to BRAC Bank by the Cardholder for availing of the auto debit facility shall be correct and complete. BRAC Bank shall not be liable if the auto debit transaction is delayed or not effected in any respect for reasons of incomplete or incorrect data or for any cause in any respect. The Cardholder further agrees and undertakes to tell the Cardholder’s bank of the auto debit instructions issued in favor of BRAC Bank and not to close the mentioned checking account without the prior consent of BRAC Bank.

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The Supplementary Cardholder have to be of 18 years of age or over. The concern of the Supplementary Card shall be topic to such Terms and Conditions, which the Bank might deem necessary. The fee by the Cardholder of any sum to the Bank in respect of any Statement of Account shall represent binding and conclusive proof of the acceptance by the Cardholder of the entries proven on that Statement of Account.

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E. Charges in Foreign Currency In respect of Cards aside from internationally valid Cards, BRAC Bank won’t be bound to take cognizance of, and will not be liable in any method in any respect in respect of any costs which are incurred in overseas currency. Without prejudice to the aforesaid, any cost of such Charges made by BRAC Bank will be with full recourse to the Cardholder, and received’t be considered as absolving the Cardholder of any liability in relation to incurring of such expenses or payments thereof by BRAC Bank. BRAC Bank shall be totally indemnified and held harmless in opposition to all consequences of such funds, by the Cardholder. A delayed or amended charge shall be processed to the Card Account inside ninety calendar days of the transaction date of the related transaction.

Payments made by the cheques drawn on a location where the Bank does not have a department shall be subject to a processing and handling fee as decided by the Bank every so often. « Late Payment Fee » means a cost relevant in case of the Cardholder’s failure to pay a minimum of minimal amount due within the Payment Due Date. « Insurance Company » means insurance company as may be decided by BRAC Bank Limited, once in a while.

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Once a Balance Transfer has been made, the shopper has to proceed the balance switch quantity for no less than 6 months with BRAC Bank i.e., the customer cannot switch the balance to another bank inside the specified time frame. Cardholder can settle partial or full outstanding of other bank’s bank card through Balance Transfer. The Bank shall not be liable to refund the annual payment or any part thereof in case of the termination of the cardboard account.

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All statutory taxes, service tax, VAT, all other imposts, duties and taxes as could additionally be levied once in a while by the Government or different authority in respect of or in connection with the Card. The cash advance payment and finance charge are non-refundable. The Bank at its sole discretion may reverse the partial or full quantity. « Minimum Amount Due » means the minimum amount specified by the Bank in statement which if paid by the Payment Due Date will forestall any late fee payment.

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From time to time, Bank could monitor and/or record telephone calls between the Cardholder and Bank to guarantee the quality of its customer support or as required by relevant legislation. All cards, which don’t have any payments pending for over a month or extra, will be renewed automatically. In case the Cardholder doesn’t want his/her Card to be renewed or any Supplementary Card to be renewed, a written intimation ought to be sent to the Bank two months upfront. Intimation sent earlier than two months or less than 30 days earlier than the expiry can’t be accepted. The Bank can also present details about the Cardholder and the conduct of his/her accounts to any further cardholder or to some other person/body to whom the Bank transfers its rights and obligations underneath this agreement.

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PERSONAL IDENTIFICATION NUMBER To allow the Cardholder to make use of the Card, a Personal Identification Number will be issued to him/her. In the occasion the same is not received in a sealed envelope, the Cardholder shall contact a BRAC Bank branch or the BRAC Bank 24-Hour Call Center. The PIN supplies entry to the Card Account and the Cardholder accepts the solely real duty for use, confidentiality and protection of the PIN, in addition to for all orders and data adjustments entered into the Card Account utilizing such PIN.

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