Terms and conditions
following words and expressions shall mean the same meaning assigned to
each of them in this agreement:
The bank:DOHA BANK (QSC) – Doha Qatar, its successors and assignees
Customer: Persons and legal entities entering into contract with the bank under this agreement and
entitled to use this service.
request, terms and conditions and any other attached document including the
instructions and conditions accepted by the customer while using this service
through his computers.
Internet account:Refers to any account or accounts specified by customers as accounts linked to the
service when applying for this service
PIN Code:Refers to customer’s password, ID No and user name provided to him by the bank.
Services:Banking services referred to in article 2 of these terms and conditions.
Service:Internet banking services provided by DOHA BANK “Internet Banking”
Article 2: Services Description
The bank shall provide the following services according to its decision and sole discretion. Such
service will include but shall not be limited to:
card application, Cancellation, termination or reactivation of ATM and credit
cards, ATM and Credit cards PIN Code reissue request, Request
to increasing credit cards limit, Request
to solve troubles related to ATM cards, Registration in the utility
bills payment service [ facilities through ATM, counters and banking phone],
Direct debit service, Registration, reactivation in phone banking service,
Application form for SMS ”Short Message Service”, Registration
form for Qs Pack and other related forms,
Registration & Reloading web surfer cards service,
Opening new accounts, balance enquiry, Requesting stand by letter /
modifications of credit on the account, Renewal of standing instructions,
Requesting account statement , issuing check book, Requesting accounts
statement through mail, Request for dinning club card, Requesting Letter of
credit, Requesting shipping letter of guarantee, perform fund transfer between
own account, third party fund transfer (to Doha Bank account holders),
perform/request E-Remittance, SWIFT transfer & demand draft order/services.
Application forms available on web site
Application, Car Loan, Housing loan, Opening an account, Registration in info
vest service, Registration in internet banking, Registration for E-Remittance
Article 3: Service Operation
to join this service is completed after the specified form is duly signed by
customer’s authorized signatories and
the representatives who are entitled to use the service are nominated. Every
customer may change his password to one of his choice upon his first log in,
provided the following conditions are preserved;
The bank shall not accept instructions unless the proper PIN code is used and security procedures of the
service are complied with.
Every customer shall be provided, in case of joint accounts “retail “ or “corporate” or “ establishments”
with separate and special Pin code and password and the bank may apply
joint or several limits for every customer with regards to financial
transaction and the customer must expressly agree to this procedure.
Customer acknowledges that the date and time appearing on his screen are the time and date inserted on the
bank’s main computer and that any transaction executed during the working hours
of that day shall be completed on the same day and any other transaction
executed after the working hours or during banks holiday or any other holiday
including Fridays and Saturdays shall be completed on the next working day.
Working hours for this purpose shall be from : 07.30 a.m up to 01:00 pm from Sunday to Thursday, or any other working hours designated by the Bank.
The bank reserve the right at any time to determine the minimum balance
to be kept in the account of the customer. if the customer fails to maintain
the specified minimum balance in his account. The bank reserves the right to
withdraw the service from customer .
The bank is entitled to impose fees for any service provided and published on the bank’s web site.
The bank is authorized to accept customer’s instructions and duly execute them.
Information displayed on the screen or printed by customer while using the banking service on the internet
represents only a record for his accessing the internet, and shall not be
construed as being the bank records with regards to that transaction except for
express instructions agreed by the bank and listed in the banks records.
Any instruction issued by the customer to the bank through this service is valid and shall not be cancelled
except through a cancellation notice from the customer and addressed to, and
received by the bank prior to the execution of such instructions.
Bank records containing customers instructions through this service are considered to be material evidence
of such instructions when issued and are legally binding upon customer.
Customer is responsible for the accuracy of information he supplies to the bank through the use of this
service or any other communication means
the bank shall not be liable for any damages that may be caused by erroneous
information provided by customers.
Article 4: Customers Obligations:
Customer agrees to the following obligations:
Maintain the confidentiality of his ID codes or password and must promptly inform the bank if he feels
that his code became known to any third party. The bank shall not be
responsible, unless received such a notice, for any damages caused by illegal
use or otherwise through the proper use of the confidential ID and password of
When customer wishes to suspend the service he must inform the bank for this effect with a 15 days
written notice and customer shall be responsible for all transactions that take
place in this period between the notice and service suspension.
When the customer starts using the internet banking
service he is considered to have accepted the terms and conditions and abides
himself to carry them out properly.
His electronic agreement before using any new service provided on the internet confirms his acceptance
for all terms and conditions related to the service.
Executing, as per banks decisions, all documents, commitments and instruments necessary for the
execution of this agreement.
Article 5: Limits of Banks Liability:
The bank is
not responsible towards the customer for any negligence or violation to the
provision and conditions of this agreement or otherwise for any losses (direct,
indirect or accidental) caused by reasons including but not limited to;
Customer using the service or any material or software provided on the site or downloading information
Customers failure to use the service or access it through the internet any time and any failure to
provide any part there from.
Any claim raised by a third party against the bank or its customers due to improper use of the service
Any delay or failure in transmitting or receiving any instructions or notices dispatched through the
Customer using e-mail or any other insecure means of communication in dispatching instructions to the
Any erroneous information or opinion displayed through the service or customers dependence on such
information or erroneous opinion.
Article 6: Violation Cases:
The bank may
refrain from executing customers instructions or suspend the service or
terminate this agreement in the following cases:
If the instructions are not proper or there was a sufficient suspicious that the source was not the
Customers violation to any of the terms and conditions of this agreement.
Customer providing any documents or statements or commitments which are improper of forged.
Taking any criminal or civil procedures against customers by the Bank or third parties.
Termination of this service or promoting it in a way that alters its nature.
Interception to this service by any other party in a way that affects the banks ability to provide the
Customers death or bankruptcy or loss of his legally considered status.
Any other incidents considered in the opinion of the bank as
an attempt on the customers part to use other software or electronic means that
may affect the service.
Article 7: General
The bank may use customers personal information with
regards to other services and may disclose, whether with or without court
order, to other institutions information that may deems necessary for reasons
including but not limited to malpractices and credit rating through famous
The bank may publish on the service site on the internet, notices of general nature and applicable to
all service customers. Such notices
shall have the same legal effect as that of the special notices sent
specifically to customer.
The bank may change these terms and conditions from time to time by placing notices to such effect on
the bank’s web site. I/we hereby express my/our prior agreement on such changes
and waive any right I/we may have to contend that and irrevocably agree to
abide by any changes made by the bank on such terms and conditions.
The e-mail is not considered to be a safe communication means and the bank shall ignore any
instructions if receives through e-mails.
Customer acknowledges that this service is the sole property
of DOHA BANK and the bank reserves the right
to publish the software and documents of the service and its consequent
modifications on the internet.
Customer is aware that the bank shall not issue any notice or printed confirmation regarding any
transaction executed through the service, though any completed transaction
shall be listed in the participant statement of account.
The bank is entitled to undertake set off between all balances or accounts to settle any due payment on
Customer authorizes the bank to debit his account with all expenses and cost of any nature incurred
directly or indirectly and paid by the bank with regards to the service. Such
expense and cost shall include without limitation judicial fees and expenses,
attorney fees, stamps costs, telephones and wire charges, exchange difference
of whatever amount, even if not decided wholly by the court, and any other
amounts paid by the bank with regards to this agreement.
This agreement and all of its provisions and conditions shall remain binding to successors .
Any notice shall be served to any party on the address assigned to each party whether by mail or fax or
any other means agreed upon by the bank and customer.
This agreement is governed and shall be construed by the Qatari laws and the Qatari courts shall have
the exclusive jurisdiction to settle any dispute that may arise between the
This agreement is issued into Arabic and English languages. In case of any contradiction or discrepancy the Arabic
text shall prevail.
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