The terms "we", "us", "our", "Bank", "BDO " refer to BDO Unibank, Inc. "You" refers to each enrolled user of the BDO's Electronic Banking Services: BDO ATM, BDO Internet Banking, BDO Mobile Internet Banking, BDO Phone Banking, BDO Mobile Banking, and BDO Call Center. Acquiring Access to BDO's Electronic Banking Service

Personal Individual, Personal Joint OR Account, individual Parental By Account and Joint OR Parental By Account shall be allowed to enroll in BDO Electronic Banking Services. For joint OR accountholders, you understand and agree that all transactions to be made by any one of the enrollees via BDO's Electronic Banking Services are conclusively considered as done with the consent of all co-depositors. You can access your accounts via BDO Electronic Banking Services seven (7) days a week, twenty four (24) hours a day. However, at certain times, some     or all of BDO's Electronic Banking Services may not be available due to system maintenance.

You are responsible for and must take all reasonable care to ensure the information you supply is accurate. We accept no responsibility and liability for the accuracy of the information or for failure to transmit such information in the manner requested by you. You are responsible for verifying transaction history details and statements to make sure that there are no unauthorized transactions. You should likewise review and reconcile monthly credit card and bank statements for any errors or unauthorized transactions promptly and thoroughly. It is also strongly suggested that you regularly check your e-mail for contacts by merchants for important information about transaction histories. You must let    us know as soon as you think there has been an error in your transactions carried out via BDO Electronic Banking Services. You may call    BDO Customer Contact Center at the following telephone nos.: 

Metro Manila - 631-8000

Domestic Toll Free No. - 1-800-10-631-8000

(PLDT) 1-800-3-631-8000

(Digitel) 1-800-5-631-8000

(Bayantel) 1-800-8-631-8000

(Globe) - International Toll-Free No. 

(Int. Access Code)-800-8-631-8000

We may require that you send us your complaint or query within 24 hours by sending an email to the BDO Customer Contact Center ( for questions or errors about online transactions/services. You may also write to BDO Customer Contact Center,

BDO Unibank, Inc., 209 Ortigas Avenue, Greenhills, San Juan, MM 1502. When you tell us your problem, please: · Tell us your name, ATM Card No./ User ID/Phone Banking ID, Mobile Banking ID and bank account number. · Describe the error or transaction and explain why you believe it    is an error. · Tell us the date and time of your transaction. To facilitate our investigation, supply the following details as applicable depending on the type of transaction: account number/s, merchant, subscriber number, amount, mobile number, ATM card number and reference number for the transaction in question. We will inform you of the results of our investigation immediately, and we will correct any error promptly. However, we do not guarantee reversal of your transaction that has been completely consummated and is irreversible. If the error cannot be rectified, BDO shall not be liable for any actual, direct, special and consequential damage, injury or loss incurred as a result of or arising from such error.

Liability BDO shall not be liable for any loss or damage of whatever nature (including without limitation, charges and/or penalties which may be imposed upon you by third parties) in connection with the implementation of transactions coursed through BDO Electronic Banking Services in the following instances:

1. Disruption, failure or delay in implementing transactions relating to or in connection with the BDO Electronic Banking Services which are due  to circumstances beyond the control of BDO, fortuitous events such as but not limited to prolonged power outages, breakdown in computers and communication facilities, typhoons, floods, public disturbances and calamities and other similar or related cases.

2. Loss or damage you may suffer arising out of any improper, fraudulent access or utilization of the BDO Electronic Banking Services due to theft or unauthorized disclosure of User IDs, passwords, ATM PINs/TPINs/MPINs or violation of other security measures with or without your participation.

3. Inaccurate, incomplete or delayed information you received due to disruption or failure of any communication facilities used for BDO  Electronic Banking Services.

4. Such other circumstances or reasons which effectively prevent BDO from implementing the transaction. BDO shall not be liable for any indirect, incidental or consequential loss, loss of profit or damage you may suffer or have suffered by reason of your use or failure or inability  to use the BDO Electronic Banking Services. You shall be liable for some or all loss from unauthorized transactions if you have breached these Terms and Conditions or contributed to or caused that loss. You agree to hold BDO, its stockholders, directors, officers, employees and representatives free and harmless, as well as indemnify them, from any and all liabilities, claims, damages, suits of whatever nature, arising   out of or in connection with the implementation of BDO Electronic Banking Services, including any and all errors inadvertently committed, any computer-related errors resulting to the Bank's failure to effect any instruction via BDO Electronic Banking Services.