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6.Your Obligations

6.1 You agree to abide by the obligations stated under this section. You understand that failure to abide by these obligations is subject to Maya Bank applying reasonable penalties to you and your Account, including but not limited to charges, suspension, and/or termination of your Maya Bank Account, and proper reporting to the applicable authority of the laws, rules, and regulations that govern Maya Bank.

6.2 You agree not to use any “deep-link,” “page-scrape,” “robot,” “spider,” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any part of the Maya App, or in any way reproduce or circumvent its navigational structure or presentation, as well as to obtain or attempt to obtain any material, document, or information through any means not purposely made available through our facilities.

6.3 You agree not to gain or attempt to gain unauthorized access to any part or feature of the Maya App or to any other system or network connected to the Maya App. You also agree not to gather, harvest, or otherwise collect information about others using the Maya App without our explicit informed consent; nor restrict, prevent, or prohibit any other party from using our facilities, including but not limited to such actions which may tend to discourage others from using the services, such as stalking, flaming, or the lashing out at other parties, spamming or the sending of unsolicited information, advertisement or content, flooding or the sending of repetitive messages, trolling or the use of insulting or deliberately divisive information, material or content, other forms of annoyances, and the like.

6.4You agree not to circumvent, disable, or otherwise interfere with security-related features of the Maya App, including those that prevent or restrict use or copying of any content, material, or information available on or through the Maya App, as well as those that enforce limitations on the use of our facilities.

6.5You agree not to probe, scan, or test the vulnerability of the Maya App or any network connected to it, and not to breach the security or authentication measures on the same. You agree not to reverse lookup, trace, or seek to trace any information on any user of or visitor to the Maya App, or any other client of Maya Bank including any account maintained with our facilities not owned by you, to its source, or exploit these or any information made available or offered by or through the Maya App, in any way where the purpose is to reveal any information, including but not limited to personal identification, other than your own information.

6.6You agree to use or access the Maya App for your information and personal use solely as intended through the provided functionality of the Maya App. You agree not to copy or download any material or content from or through them unless such copying or downloading is explicitly allowed by a visible manifestation thereof such as a “download” button or a similar link ostensibly displayed. You further agree not to engage or attempt to engage in the use, copying, transmission, broadcast, display, distribution, or sale of any of the contents, material, or information available on or through the Maya App, including user comments and the like, other than as expressly permitted herein, or as explicitly indicated.

6.7You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Maya App or its systems or networks, or any systems or networks connected to it.

6.8 You agree not to incorporate any word in your name, message identification, or custom user title that is defamatory, obscene or profane, or which violates any trademark, service mark, or other intellectual property rights of any third party, including that of Maya Bank. You likewise agree not to use any trademark, trade name, service mark, or logo in a way that is likely or intended to cause confusion about the owner or authorized user of such marks, names, or logos.

6.9You agree not to use any device or routine to interfere or attempt to interfere with the proper working of the Maya App or any transaction being conducted using our facilities, or with any other person’s use of these facilities. You agree that you will not engage in any activity that interferes with or disrupts our services or the servers and networks which are connected to our facilities.

6.10 You undertake to provide us with: (a) true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes; (b) provide us with any identity documentations as may be requested by us; and (d) any other information that must be provided for our services to be properly executed. You agree not to conceal your true name or use a fictitious name; otherwise, Maya Bank may file a criminal case against you for violation of penal laws of the Philippines, including the Anti-Alias Law (Commonwealth Act No. 142, as amended by Republic Act No. 6085), among others.

6.11 You agree to update your personal information should there be material changes or as may be required by Maya Bank from time to time.

6.12 Once you confirm the transaction or ask Maya Bank to proceed with the Transaction, you agree that you may neither cancel nor reverse such transaction. Maya Bank shall proceed with crediting the account of the recipient and once the money or fund is in the account of the beneficiary or recipient, Maya Bank cannot reverse nor deduct such account without the proper court order or authorization.

6.13 You agree not to use the facilities of Maya Bank for any purpose that is illegal, unlawful, or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity which infringes on the rights of Maya Bank or others, which includes but is not limited to selling, leasing, or giving your Account to a third party.

6.14 You agree that you are responsible to check for update/s and will download such update/s to the Maya App before use. You also agree that the device used to access the Maya App is compatible or meets the minimum system requirements of the Maya App. You understand that certain Maya App functions may not be available or may be disabled by Maya Bank if you do not perform the needed update or meet the compatibility / minimum system requirements.

You agree that it is your responsibility to take all reasonable precautions to ensure that the device used to access the Maya App is free or is reasonably protected from any computer viruses or similar devices or software including, but not limited to, Trojan horses and worms.

6.15 You agree that it is your responsibility to securely keep your PIN and/or Password, including your one-time pin (OTP). The use of your

User ID and your PIN and/or Password will serve as your irrevocable authorization for us to carry out transactions that you initiated. Any fraudulent activity by your device, agents, employees, officers, and authorized representatives using your User ID and your PIN and/or Password, such as but not limited to unauthorized withdrawals or transfers, that may bring about financial losses to you is your sole responsibility.

6.16 You agree that by supplying your personal information for the purpose of using the Service, you expressly consent to the processing of your supplied personal information for the purpose of creating and maintaining your Account. Such consent includes authorization for Maya Bank to disclose, exchange, and release the said information to its associates, affiliates, subsidiaries, officers, employees, agents, lawyers, and other consultants, pre-paid/debit/credit bureaus or any such persons as Maya Bank deems necessary, or as required by laws, rules, or regulations. In the event that the disclosure or processing of your information does not fall among the above-mentioned situations, we will obtain the necessary consent, subject to existing laws, rules, and regulations on bank secrecy, data privacy, and other relevant laws, rules, and regulations.

6.17 In opening and maintaining a savings account and/or availing any of the bank products and services covered under these Terms, you agree to waive, without need of notice, in favor of Maya Bank, including any of its Affiliates, service providers, shareholders, associates, subsidiaries, officers, employees, agents, lawyers, partners, and other consultants, your rights under Section 55.1 (b) of Republic Act No. 8791 (The General Banking Law of 2000), under Republic Act No. 1405, or any other right pertaining to secrecy of bank deposits for any of the following purposes:

1. Updating your Maya Bank account upon your request;
2. Validating your identity before providing our services, or responding to any of your queries, applications, feedback, and complaints;
3. Managing our day-to-day business operations;
4. Keeping your information updated through our official data touchpoints;
5. Providing customer service and support;
6. Performing credit checks or due diligence checks to minimize risks or frauds;
7. Safeguarding your account and protect you against fraud and other criminal activity;
8. Settling claims or disputes involving any of our products and services;
9. Complying with all applicable laws and regulations as well as performing our obligations from any legal authorities;
10. Marketing and Credit scoring;
11. Updating you on changes to our products or services; and
12. For any other lawful purpose that Maya Bank may deem fit or necessary.