NCB has created this privacy statement in order to demonstrate our firm commitment to privacy. We shall never sell your personal information to other companies for their independent marketing purposes. We maintain physical, electronic and procedural safeguards to prevent unauthorized access to your personal information and to protect you against the criminal misuse of that information. We restrict access to your account(s) to only those employees, on a strictly need-to-know basis, who are involved in providing the services you›ve requested.
The following discloses our information gathering and dissemination practices for NCB website.
IP Address and Cookies
Links to Third Party Sites
Our web site contains links to other sites. Third party web sites have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information. Links to non-NCB web sites are provided solely for information purposes. If you choose to access such sites NCB is not responsible for the privacy practices or the content of such sites.
We are committed to helping you keep your Online Banking experience secure and private. We use state-of-the-art technology and follow numerous security procedures to help protect your accounts from any unauthorized transactions, loss, misuse and alteration of the information under our control. As an NCB customer, you play an important role in safeguarding your personal and financial information when banking online. You can maximize the security of your online activities and protect yourself against identity theft and other online fraud by following safe computing practices. We shall not be responsible for any loss, misuse, alternation, or unauthorized access due to deliberate or accidental misuse of your access.
This site is not intended to be used by children.
When we request information about you, you are given the choice not to receive communications from our partners. You may remove your information from our database; choose not to receive future communications, or terminate any of our services. If you have any questions about this privacy statement or the practices of this site, please contact us on the numbers provided on the back of your Card.
Special Offers and Promotions
Transactions and dealings you enter into with any merchant in respect of any of the special offers and promotions offered on NCB website shall be effective only between you and the merchant, and NCB shall neither be a party thereto nor be responsible for any such transaction.. NCB hereby disclaims any warranty, express or implied, connected with any of the content displayed on NCB website or the information provided by the merchants and/or third parties.
Feedback and Comments
NCB welcomes your feedback and comments in order to provide its customers with better service. For any questions or information related to NCB third party products, please contact the responsible merchant who holds full responsibility.
1. ACCEPTANCE OF TERMS
We provide this service to you, subject to the terms contained in this TOU and your applicable Card Member Agreement with you governing the card transactions for which Verified by Visa or MasterCard SecureCode is used. We may amend this TOU from time to time without notice to you. Your use of Verified by Visa or MasterCard SecureCode will be subject to all guidelines or rules applicable to Visa existence at that time.
"You agree that by establishing Verified by Visa or MasterCard SecureCode credentials, you accept the terms of the TOU effect at that time. Your continued use of Verified by Visa or MasterCard SecureCode after amendments have been made to the TOU evidences your acceptance of such amendments. Unless explicitly stated otherwise, any new features that arugment, enhance, or otherwise change Verified by Visa or MasterCard SecureCode shall be subject to the TOU."
2. DESCRIPTION OF VERIFIED BY VISA AND MASTERCARD SECURECODE
Using Verified by Visa or MasterCard SecureCode in Internet transactions reduces the chances of fraud and increases security for those transactions. Activating Verified by Visa or MasterCard SecureCode involves providing personal information to us, which is then used to confirm your identity in connection with future online transactions for which Verified by Visa or MasterCard SecureCode is used. Verified by Visa or MasterCard SecureCode also may be used for record keeping and reporting purposes, as well as to help settle any transaction disputes by NCB. Except as provided in Section 5 below, your Activation Data (as defined in Section 3) are not shared with merchants.
You agree to (i) provide true, accurate, current, and complete information about yourself as prompted by the activation form for Verified by Visa or MasterCard SecureCode (collectively, the “Activation Data”), and (ii) maintain and promptly update the Activation Data to keep it true, accurate, current, and complete with NCB. If you provide any Activation Data that is untrue, inaccurate, out of date, or incomplete, or if we have reasonable grounds to suspect that your Activation Data is untrue, inaccurate, out of date, or incomplete, we may suspend, terminate, or refuse your current or future use of Verified by Visa or MasterCard SecureCode. You represent and warrant that all information that you provide to us in connection with your activation is true and correct and that you have the legal right to use all of the cards you register for Verified by Visa or MasterCard SecureCode.
If you are unable to provide us with sufficient information to validate your identity, we will deny your activation. If you do not successfully activate for Verified by Visa or MasterCard SecureCode, the merchant may not accept your Visa card in payment for an Internet transaction subject to Verified by Visa or MasterCard SecureCode. To use Verified by Visa or MasterCard SecureCode, you must have the ability to access the World Wide Web (WWW) and must pay any service fees associated with such access. In addition, you must have access to the equipment necessary to make such a connection to the WWW, including a computer and modem or other access device.
During activation for Verified by Visa or MasterCard SecureCode, you may be prompted to create a password or you may be provided a hint about using an existing password. When engaging in a transaction for which Verified by Visa or MasterCard SecureCode is used, you may be asked to provide your Verified by Visa or MasterCard SecureCode username and password before the merchant accepts your Visa card in payment for the transaction. If you are unable to provide your Verified by Visa or MasterCard SecureCode password, or if the authentication through Verified by Visa or MasterCard SecureCode otherwise fails, the merchant may not accept your Visa card in payment for that transaction.
By activating Verified by Visa or MasterCard SecureCode, you agree to use Verified by Visa or MasterCard SecureCode to check your identity, which includes the validation of any pre-authorized recurring transactions occurring at substantially regular intervals.
6. CARDHOLDER SECURITY CREDENTIALS
You are solely responsible for maintaining the confidentiality of your credentials, Activation Data and other verification information established by you with, or provided by you to, Verified by Visa or MasterCard SecureCode, and all activities that occur using your credentials. You agree not to transfer or sell your use of, or access to, Verified by Visa or MasterCard SecureCode to any third party. You agree to immediately notify us of any unauthorized use of your password or other verification information, or any other breach of security.
You acknowledge and agree that, except as otherwise provided by Applicable Law or in the Cardholder Agreement provided to you with your Visa card, we will not be liable for any loss or damage arising from your failure to comply with this TOU.
7. YOUR CONDUCT
You agree NOT to:
Impersonate any person or entity using Verified by Visa or MasterCard SecureCode; upload, post, e-mail, or otherwise transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment used to deliver the Verified by Visa or MasterCard SecureCode services; modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the Verified by Visa or MasterCard SecureCode website, or service or the software used in connection with the Verified by Visa or MasterCard SecureCode service;
Remove, misappropriate, or misuse any copyright, trademark, or other proprietary right notices contained in this web site; "frame" or "mirror" any part of the Verified by Visa or MasterCard SecureCode website or service without the prior written authorization of Visa; use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of this website or service or its contents;
Otherwise interfere with, or disrupt, the Verified by Visa or MasterCard SecureCode service or servers or networks connected to Verified by Visa or MasterCard SecureCode, or violate this TOU or any requirements, procedures, policies or regulations of Verified by Visa or MasterCard SecureCode or of any networks connected to Verified by Visa or MasterCard SecureCode; or violate any applicable local, state, national or international statute, regulation, regulatory guideline or judicial or administrative interpretation (collectively, the "Applicable Law"), or any rule or requirement established by Verified by Visa or MasterCard SecureCode in connection with your use of Verified by Visa or MasterCard SecureCode.
You agree that we will not be liable to you or to any third party for any modification, suspension, or discontinuance of Verified by Visa or MasterCard SecureCode or this service. Under no circumstance will we be liable for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your use of Verified by Visa or MasterCard SecureCode. We assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from, this web site.
9. DEALINGS WITH MERCHANTS
Your correspondence or business dealings with, or participation in promotions of, online retail or other merchants on or through Verified by Visa or MasterCard SecureCode, including payment and delivery for related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and said merchant. You agree that, except as otherwise provided by Applicable Law or in the Cardholder Agreement provided to you with your Visa card, we will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. You understand that using Verified by Visa or MasterCard SecureCode does not in any way indicate that we recommend or endorse any merchant, regardless of whether the merchant participates in Verified by Visa or MasterCard SecureCode. For example, neither we nor Visa verify the identity of the merchant or the quality of the merchant's goods or services.
10. DISCLAIMER OF WARRANTIES
You understand and agree that any software that you obtain or use through or in connection with Verified by Visa or MasterCard SecureCode will be obtained and used at your own discretion and risk. Except as otherwise provided in this TOU, you will be solely responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through Verified by Visa or MasterCard SecureCode. EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ABOUT VERIFIED BY VISA OR MASTERCARD SECURECODE. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
Notices may be sent to you via either e-mail to any address in your Activation Data or other information that you have provided to us in connection with any of your accounts with us, or your Visa card(s) issued by NCB.
12. AGE AND RESPONSIBILITY
You represent that you are of sufficient legal age to use Verified by Visa or MasterCard SecureCode and to create binding legal obligations for any liability you may incur as a result of the use of Verified by Visa or MasterCard SecureCode. Except as otherwise provided by Applicable Law or in the Cardholder Agreement provided to you with your Visa card, you understand that you are financially responsible for all uses of Verified by Visa or MasterCard SecureCode by you and those authorized by you to use your Activation Data, your password or other verification information. Verified by Visa or MasterCard SecureCode is a registered trademark and Verified by Visa or MasterCard SecureCode™ is the subject of a trademark application of Visa International Incorporated or its subsidiaries in the United States, or MasterCard Incorporated or its subsidiaries.