Terms and Conditions

•    Effective date: 1st August 2021

•    Updated date: 28th June 2021

The Phillip Mobile service, authorised by Phillip Bank, allows Phillip Bank’s customers to use this product.

1. Introduction

Phillip Mobile aims to provide you with the highest quality Mobile Banking service available. These terms and conditions (“Specific Terms and Conditions”) regulate the use of Phillip Bank’s Mobile Banking application namely “Phillip Mobile”. As a Phillip Mobile user, you are required to read the terms and conditions carefully before pressing the “Accept” button. By registering for and using Phillip Mobile, you agree to be bound by the Specific Terms and Conditions.

By pressing “Accept”, you confirm that you have read, understood, acknowledged, accepted, and given your express consent to the terms and conditions which are contained in this agreement and disclosure.
We may offer additional Phillip Mobile services and new features in the future. Any upgrade of Phillip Mobile services and features will be governed by this agreement. From time to time, we may amend these terms and conditions, modify or cancel the Phillip Mobile services we offer without giving notice, except when required by laws or the National Bank of Cambodia.

You agree to be bound by any new regulations as required by the government related to the banking services and we may notify of such terms if we consider them as necessary. 

2. Definition

As used in this agreement and Mobile Banking services, the following words have the given meanings below:

“Device” means a supportable mobile device including a cellular phone or another mobile device that is web‐enabled and allows secure SSL traffic which is also capable of receiving text messages.

“Mobile Banking” means a banking service which is accessible via a smartphone or tablet device.

“Phillip Mobile” means the application which you download from Google Play Store or App Store and access your registered account with Phillip Bank.

“Account” means and includes Phillip Bank’s Savings Account, Current Account, Term Deposit Account in KHR and USD currencies as may be created from time to time at Phillip Bank branch.

“Virtual Mastercard”: means a virtual debit Mastercard issued via Phillip Mobile.

“E-Cash”: means card-less cash withdrawal service at Phillip Mobile ATMs using code generated in Phillip Mobile.

“Scan QR”: means a QR code scanning service in Phillip Mobile that allows user to scan and pay at Phillip Bank’s partnered merchants.

“Security Credentials”: means and includes personal or login-identification numbers (4-digit PIN), One-Time Password (OTP) and other codes and access procedures including Short Messaging Service (SMS) for access to and the use of services in Phillip Mobile provided by Phillip Bank from time to time.

“Biometric Identifier”: includes a fingerprint facial data and any other means by which a mobile device manufacturer allows a user to authenticate their identity for the purposes of unlocking their mobile device and access to the specific applications including Phillip Mobile.

“PIN” means the unique 4-digit number used to login to Phillip Mobile and to confirm any financial transaction.

“Notification” means and includes SMS and in-app notification sent to you on different occasions related to banking transactions or general alerts sent by Phillip Bank.

“You” and “Your(s),” mean each person with authorised access to your account(s) who applies and uses the Mobile Banking service.

“We,” “Us,”, “Ours” and “Phillip Bank” mean Phillip Bank Plc.

3. Phillip Mobile Services 

3.1 Description of Services

A.    Phillip Mobile provides you with a convenient and supplemental service as the value-add‐on to our banking services. It allows our customers to access bank account and perform banking transaction on smartphone or device. 

B.    Key feature of Phillip Mobile include:

a.    View your account balance

b.    View all your financial transaction details

c.    Download e-statements

d.    Pay bill

e.    Transfer funds locally

f.    Create virtual debit Mastercard

g.    Send money to ATM with E-Cash service

h.    Pay in-store or at an online merchant with Phillip Bank’s SCAN QR

3.2 Use of Services

A.    You agree that it is your responsibility to learn how to use Mobile Banking, following our instructions and agree to contact us directly if you have any problems with Mobile Banking.

B.    We may modify the service from time to time, at our sole discretion. In the event of any modification, you are responsible for making sure that you understand how to use Mobile Banking, as modified. 

4. Limitation of The Service and Privacy 

 4.1. Transaction Limits

As part of constant risk mitigation measures, Phillip Bank reserves the rights to set and change limitations on the transaction amount, the number of transactions, condition, as well as transfer destinations and other matters at any time without giving prior notice. 

4.2. Access Limits

To prevent any possible risks, you will not be allowed to use Phillip Mobile in the following situations:

A.    Your device’s operating system is not genuine (rooted or jail-broken)

B.    Your device was produced for a specific country with a special OS configuration that does not comply with international standards

4.3. Connectivity

Phillip Bank shall not be liable to a customer for any incompleteness, unavailability, failure, interruption, suspension or delay in Phillip Mobile (including the transmission of any alerts or notifications or in receipt or execution of any instructions) due to any factors not under Phillip Bank’s reasonable control. Please refer to Disputes with Merchants or Vendors section. 

4.4. System Maintenance 

A.    Phillip Bank may add or disable any features or suspend the operation of Phillip Mobile or any of its services at any time:

a.    If, in Phillip Bank’s judgement, any threat is posed to any Phillip Mobile related system or part of any system; or

b.    To carry out periodic maintenance and administration tasks

B.    Phillip Mobile is a constantly evolving application that will have frequent releases to bring new features and improvements, as well as updated operating systems. You must update and use only the most up-to-date version of the Phillip Mobile.

C.    From time to time, Phillip Bank may force its users to update Phillip Mobile to the latest version for security and compatibility reasons. You might not be able to continue using an old version of Phillip Mobile unless you update to the latest version.

4.5. Disputes with Merchants or Vendors

Phillip Bank has no liability for any purchases or payments made by Scan QR service or other payment options presented in Phillip Mobile if:

A.    There is any defect or deficiency in the provision of the goods or services

B.    You decide you no longer want the goods or services

Any of such dispute shall be resolved between you and the merchant or vendor directly. You are responsible for exercising reasonable care and be aware of the risks of paying for goods and services in advance of receiving them. You should consider the standing of the person or entity you are doing business with, including when purchasing goods or services that are not face-to-face.

Even if you have a dispute with a merchant or vendor, you must still pay all amounts due to us.

4.6. Privacy Terms and Conditions

As part of satisfying Phillip Bank’s KYC (Know Your Customer) requirements, Phillip Mobile may collect personal information from you- you provide warrantee and assurance that personal information disclosed by you through Phillip Mobile is true, complete, and up-to-date. Furthermore, you acknowledge and agree that failure to provide up-to-date personal information required by Phillip Mobile will result in certain inconveniences and restrictions of access to Phillip Mobile’s features.

Personal information collected as part of your identity can be held by Phillip Bank and enable you to use the services provided by Phillip Bank;

Phillip Bank can collect any information on your usage behaviour for security enhancements and user experience improvements;

Phillip Bank may require that location tracking be enabled on your mobile device so that some specific features in Phillip Mobile can work.

We will only disclose information to third parties about your account or the transactions you make in case of:

A.    Consent from you;

B.    Requirement from the competent authorities;

C.    Audit purpose; or

D.    Other reasons as Phillip Bank deems reasonably and necessarily fit in accordance with applicable laws of the Kingdom of Cambodia

You provide your consent and agree that Phillip Bank may share your personal information with third parties to comply with a legal obligation, when Phillip Bank believes in good faith that an applicable law requires it, at the request of governmental authorities under an applicable law, to verify or enforce our contractual rights or other applicable policies, to detect and protect against fraud, or any technical or security vulnerabilities, to respond to an emergency, and/or so that the third parties, such as third-party payment processors, can provide services necessary for Phillip Bank to provide any services under the Specific Terms and Conditions. If there is any breach of your information by a third party, you agree to release Phillip Bank from any liability and pursue any legal action against such third party.

5. User Responsibilities

You represent and agree to the following by enrolling for Phillip Mobile or by using the service:

5.1. User Eligibility

A.    You are a Phillip Bank account holder

B.    You have an eligible iOS and Android mobile phone/device

C.    You have a valid and active mobile phone number

D.    You have installed Phillip Mobile on your device using a valid phone number and NID or passport that is registered with Phillip Bank

E.    You acknowledge that we reserve the right to allows international phone numbers, namely Brunei Darussalam, Cambodia, Indonesia, Lao People’s Democratic Republic, Malaysia, Myanmar, Philippines, Singapore, Thailand, Vietnam and other country which will be updated in the Phillip Mobile.

F.    You acknowledge that we reserve the right to reject your request for Phillip Mobile activation without providing any reason during the activation process

5.2. Account Ownership/Accurate Information

A.    You represent that you are the legal cardholder of the accounts and other financial information which may be accessed via Phillip Mobile

B.    You represent and agree that all information you provide to us in connection with Phillip Mobile is accurate, current and complete, and that you are obliged to provide such information to the Bank so you can use Phillip Mobile

C.    You agree not to misrepresent your identity or your account information

D.    You agree to keep your account information up to date and accurate

E.    You represent that you are an authorised user of the device you will use to access Phillip Mobile

5.3. Joint Account(s)

A.    By applying for or using our Phillip Mobile service, each joint account holder is deemed to have consented to our disclosure of his/her information to any other joint account holder(s)

5.4. Security

Phillip Mobile User Security’s Responsibility:

You shall take responsibility for and use your best efforts to prevent any unauthorised use of, and access to Phillip Mobile on your mobile phone and/or other device and to always protect your personal information and security credentials. For example, you must:

A.    Prevent other people from using your security credentials to access your account(s) or Phillip Mobile on your mobile device.

B.    Never allow another person to register his/her biometric identifier on your devices

C.    Never leave your phone unattended and always monitor when somebody is using or borrowing your phone

D.    Make sure that your security credentials (PIN and OTP) to access Phillip Mobile remain confidential to you alone and that you take all reasonable steps to prevent them from being disclosed. For example, you must: not write down or save your security credentials anywhere in any form, including electronically, for example, in your mobile phone or device

E.    Not provide or give your security credentials (PIN and OTP) to anyone (including friends, relative, police, or bank staff)

F.    Take care to ensure that no one sees you enter your security credentials
Your device must be locked at all times. 

Before you sell or permanently give your mobile device to any person, you must delete the Phillip Mobile and all your biometric identifiers (e.g., TouchID or FaceID) registered in the device.

You must promptly update, and keep updated, the operating system and security software for your mobile device when released by your mobile device manufacturer or mobile device operating system provider.

Construct and Safeguard Your Security Credentials

Phillip Mobile and its services require the use of security credentials that consist of a 6-digit One Time Password (OTP) through SMS and a 4-digit PIN code.

You must set up a secure 4-digit PIN code required to login and confirmation of actions while using Phillip Mobile during the first-time activation. 

You should ensure that your secret 4-digit PIN is strong and does not contain any of the below number combination:

A.    Your date of birth, month or year 

B.    Sequential or repeating numbers that can be easily guessed (e.g. 3456 or 1111)

C.    Parts of your mobile number or other easily guessable numbers that are related to you

In addition, you should consider using different codes to unlock your mobile device and other cards, ecommerce application, bank services or equipment. We recommend you change your secure PIN on a regular basis.

You must not provide a 6-digit OTP to anyone. Bank staff will never ask you to provide your OTP. You shall exercise precautions of scamming activities in which a scammer, pretending to be a bank staff, informs you about your winning the lucky draw and asks you to provide this security credentials (PIN and OTP). 

You must contact to call centre immediately by calling 089 989 818 or 086 930 000 upon being aware that:

A.    Your OTP or PIN code has become known or may be known by another person

B.    Your mobile device is lost or stolen

C.    Another person may be able to unlock your device and/or store their fingerprint(s) and other biometric identifiers on your device if you have fingerprint identification enabled on Phillip Mobile

D.    You received notification that your account has been accessed from another device

5.5. User Conduct

You agree not to use Phillip Mobile or the content or information delivered through Phillip Mobile in any way that would:

A.    Infringe any third‐party copyrights, patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the software

B.    Be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, the use of Mobile Banking to impersonate another person or entity

C.    Violate any law, statute, ordinance or regulation

D.    Be false, misleading or inaccurate

E.    Create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers

F.    Be defamatory, trade libellous, unlawfully threatening or unlawfully harassing statements

G.    Potentially be perceived as illegal, offensive or objectionable

H.    Interfere with or disrupt computer networks connected to Phillip Mobile

I.    Interfere with or disrupt the use of Phillip Mobile by any other users

J.    Use Phillip Mobile in such a manner as to gain unauthorised entry or access to the computer systems of others

5.6. No Commercial Use or Re‐Sale.

A.    You agree that the service is only for the personal or business use of individuals authorised to access your account information.

B.    You agree not to make any commercial use of Phillip Mobile or resell, lease, rent or distribute access to Phillip Mobile

5.7. Indemnification.

A.    Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Phillip Bank, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any third-party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from: 

a.    Third-party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the service; 

b.    Your violation of any laws or rights of a third party; or 

c.    Your use, or use by a third party, of Phillip Mobile.

B.    Related to dispute, should there be an incorrect account transfer and if Phillip Bank is unable to contact the beneficiary account or beneficiary to send the money back, Phillip Bank shall have the right to block the amount with the specific period, and transfer it back to the owner if there is no response from the beneficiary. 

6. Your Obligations

A.    You must not use Phillip Mobile for any purpose other than to undertake legitimate banking enquiries or transactions on accounts you are legally entitled to operate in accordance with the terms and conditions.

B.    You must not use Phillip Mobile for prohibited business activities.

C.    You acknowledge that you are responsible for and must take all reasonable care to ensure that the information you supply via Phillip Mobile is true, complete, accurate and up-to-date.

D.    You will be liable for any loss suffered by us (including consequential loss) which results from your fraud or negligence. You will be liable for any loss suffered by us which results from the unauthorised access to or use of any service available in Phillip Mobile and to which you have contributed by your failure. This includes if you:

a.    Select an unsuitable PIN code

7. Our Responsibilities

A.    We accept no responsibility for the inaccuracy or incompleteness of data, or corruption, interception, deletion or loss of data due to a fault, failure or malfunction of a customer’s device.

B.    We reserve the privilege to revise these terms and conditions without prior notice. We will not be responsible for any loss related to Phillip Bank if customers do not comply with these security conditions.

C.    We are entitled to disclose any information from you to any persons or regulated authorities as required by the applicable laws and regulations, or to any other persons which we deem fit on the need-to-know basis.

8. Fees and Charges

A.    Phillip Mobile is free to use. However, fees and charges may apply when you make certain transactions or use specific products or services available in Phillip Mobile, in accordance with the current terms and conditions.

B.    We may introduce additional fees and charges for your usage of Phillip Mobile from time to time, and fees and other charges may also be changed by Phillip Bank from time to time.

9. The Governing Law

The laws of the Kingdom of Cambodia govern these terms and conditions.

10. User’s Declaration

I have hereby read and accepted all these terms and conditions.

11. Further Information

For more information about Phillip Mobile, email us: info@phillipbank.com.kh or contact Phillip Bank’s hotline: +855 (0) 86 930 000 / 89 989 818 / 88 465 9999 (24/7).