a) Banki ishobora igihe icyo ari cyo cyose kandi nta nteguza, guhagarika cyangwa guhagarika burundu uburenganzira bwo gukoresha ikarita iyo ari yo yose, cyangwa ku bikoresho byihariye, cyangwa kwanga gusubiza, kuvugurura cyangwa gusimbuza ikarita iyo ari yo yose, nta na rimwe bigira ingaruka ku nshingano z'Umukoresha Mukuru w'Ikarita zikubiye muri aya Masezerano, zizakomeza gukurikizwa. b) Icyemezo cya Banki ku bijyanye no guhagarika (by'agateganyo cyangwa burundu), gukuraho cyangwa kugabanya ikoreshwa, harimo kugabanya Umwenda Ntarengwa, kizaba ari icya Banki wenyine ukurikije ubushishozi bwayo. c) Ikarita ikomeza kuba umutungo wa Banki igihe cyose. Igihe bisabwe, amakarita yose cyangwa ikarita iyo ari yo yose yatanzwe ikoreshwa kuri Konti y'Ikarita igomba gusubizwa Banki ako kanya cyangwa ku muntu uwo ari we wese ukorera Banki. Banki izamenyesha Umukoresha w'Ikarita amakuru yose asobanutse ku muntu uwo ari we wese wundi nk'uwo. d) Umukoresha Mukuru w'Ikarita azabazwa amafaranga yose Banki yatanze mu gusubiza ikarita yahagaritswe.
Hitamo Igihugu
Ni iki ushaka?
Amategeko n'Amabwiriza
Reba hepfo amategeko n'amabwiriza yose
Hitamo icyiciro
Itangazo ryo Kurwanya Ruswa n'Akarengane
I&M Bank (Rwanda) Plc ntizasaba ruswa, amafaranga y'inyungu z'akarengane, cyangwa amafaranga yo kwihutisha/koroshya serivisi ("amafaranga ya ruswa"), yaba ku buryo butaziguye cyangwa binyuze ku bandi bantu, mu bihe byose. Twafashe ingamba zo kutihanganira na gato ruswa n'akarengane, kandi twiyemeje gukora mu buryo bw'umwuga, bunoze, kandi bufite ubunyangamugayo mu mubano wacu wose n'ibikorwa by'ubucuruzi aho Banki ikorera hose, no gushyira mu bikorwa no gukurikiza uburyo bunoze bwo guhangana na ruswa n'akarengane. Abayobozi bacu bose, abakozi bose n'abakozi bose babujijwe kwakira ruswa, ni ukuvuga kwakira amafaranga, impano, cyangwa uburyo bwo kwakirwa neza bwatanzwe n'undi muntu wa gatatu, mu gihe hari ibyo bitegerejweho byo kubona inyungu z'ubucuruzi bizahabwa Banki mu gusubiza.
Amategeko n'Amabwiriza Rusange yo Gusaba Ikarita y'Inguzanyo
a) Umukoresha w'Ikarita ashobora gukoresha ikarita hamwe n'Umubare we Bwite wo Kwiyemeza (PIN) mu gukora igikorwa icyo ari cyo cyose ku ATM cyangwa ku bikoresho byose byagenwe na Banki. Niba Umukoresha w'Ikarita yahisemo PIN nk'iyo, uburyo bwose bw'umutekano bwasobanuwe hano bukurikizwa ku gikorwa cyose gikorwa n'Umukoresha w'Ikarita, ugomba gufata ingamba zose zikenewe zo kwirinda gutakaza cyangwa kwibwa ikarita cyangwa gutangaza PIN.
a) Amafaranga akurikira yishyurwa ku gukoresha ikarita kandi Banki izayakura kuri Konti y'Ikarita uko akurikira:
- Amafaranga yo kwinjira rimwe ku itangwa ry'ikarita.
- Amafaranga y'ubwanditsi ya buri mwaka ku itangwa ry'ikarita no buri tariki yo kuvugurura ya buri mwaka nyuma yaho.
- Amafaranga y'inguzanyo y'amafaranga yihuse ku mafaranga yose y'inguzanyo y'amafaranga yihuse yakuwe kuri Konti y'Ikarita.
- Amafaranga yo gusimbuza ikarita igihe ikarita itakaye cyangwa yangiritse.
a) Amafaranga yose yishyuzwa kuri konti y'Umukoresha w'Ikarita Nyamukuru ayishyurwa yose mu minsi yagenwe (yitwa Igihe cyo Kwishyura cy'Inguzanyo), nk'uko Banki ibigena uko bishakiye igihe icyo ari cyo cyose, kuva ku italiki y'Itangazo (iyi taliki yo kwishyura yitwa Itariki yo Kwishyura). Umukoresha w'Ikarita Nyamukuru, nk'umukoresha w'ikarita y'inguzanyo, ashobora ariko guhitamo kwishyura Amafaranga Makeya yo Kwishyura (ibi bingana n'ijanisha ryagenwe ry'amafaranga y'ibikorwa by'ikarita hiyongereyeho amafaranga yose y'inyungu, andi mafaranga n'ibihembo bikwiye ku italiki y'Itangazo) bigaragara ku Itangazo, no kwimurira ikiguzi gisigaye ku kwezi kukurikira (Amafaranga Yimuwe). b) Niba Umukoresha w'Ikarita Nyamukuru yishyuye ideni ryose risigaye ku Itangazo mbere cyangwa ku Itariki yo Kwishyura, nta nyungu izishyurwa ku kintu icyo ari cyo cyose kigaragara ku Itangazo. c) Niba Umukoresha w'Ikarita Nyamukuru yishyuye byibura Amafaranga Makeya ku Itariki yo Kwishyura kandi akahitamo kwimurira igice cyangwa amafaranga yose y'Amafaranga Yimuwe (ni ukuvuga ideni risigaye hakuweho Amafaranga Makeya), inyungu izishyurwa ku mafaranga yose yimuwe kuva ku Itariki y'Igikorwa kugeza ku Itariki yo Kwishyura & ku ideni risigaye rya buri munsi ry'Amafaranga Yimuwe guhera ku Itariki yo Kwishyura kugeza ku Itangazo rikurikira, ku gipimo cy'inyungu cyagenwe cy'Inguzanyo Yimuwe. Mu rwego rwo kubara inyungu, amafaranga umukoresha w'ikarita yishyuye azabanza kwishyurwa mu nyungu, andi mafaranga n'ibihembo, hanyuma ibikorwa bya kera cyane bikurikire mu buryo bumanuka. d) Niba Umukoresha w'Ikarita Nyamukuru atishyuye byibura Amafaranga Makeya agaragara ku Itangazo ku Itariki yo Kwishyura, ihazabu y'gutinda kwishyura izacibwa ku mafaranga Makeya asigaye yo Kwishyura ku Itariki yo Kwishyura, ku gipimo cyagenwe cy'Ihazabu yo Gutinda Kwishyura, kandi izongerwa ku Itangazo ry'ukwezi gukurikira. Ibi bigira ingaruka zongera ku nyungu zishyurwa ku ideni risigaye hakurikijwe ingingo ya 6 (c) yavuzwe haruguru. e) Mu gihe Umukoresha w'Ikarita arengeje Umupaka w'Inguzanyo ku munsi uwo ari wo wose, ikiguzi cy'ikirenga cyabazwe nk'ijanisha ryagenwe ry'Igipimo cy'Ikiguzi cy'Ikirenga ku mafaranga menshi arengeje umupaka ku munsi uwo ari wo wose kizacibwa kandi kizongerwa ku Itangazo ry'ukwezi gukurikira. f) Kwishyura ku konti iyo ari yo yose bizatangira gukurikizwa igihe Banki ibyakiriye kandi bikaba byanditswe ku konti y'Umukoresha w'Ikarita Nyamukuru. Niba kwishyura gukozwe hakoreshejwe cheque, bizatangira gukurikizwa igihe banki ibigenewe iyisohoje. g) Ihazabu imwe y'Amafaranga yo Gukoresha izacibwa niba cheque cyangwa ubundi buryo bwo kohereza amafaranga butemewe ku nshuro ya mbere bugejejwe. h) Amafaranga yose arenze Umupaka w'Inguzanyo, imyenda yose ishaje n'ibikorwa byose by'ikarita byakozwe binyuranyije n'aya masezerano bizishyurwa byose ako kanya, yaba Banki yabisabye cyangwa itabisabye. i) Kutakira Itangazo n'Umukoresha w'Ikarita Nyamukuru ntibikuraho inshingano zo kwishyura amafaranga yose akenewe kuri Konti y'Ikarita. j) Umukoresha w'Ikarita Nyamukuru ashobora kutemererwa inyungu ku mafaranga asigaye y'inguzanyo ari ku Konti y'Ikarita. k) Banki izamenyesha Umukoresha w'Ikarita igihe cy'Inguzanyo gikoreshwa, Amafaranga Makeya yo Kwishyura, Igipimo cy'Inyungu y'Inguzanyo Yimuwe, Igipimo cy'Inyungu yo Kwishyura Gutinze, Igipimo cy'Ikiguzi cy'Ikirenga n'Amafaranga yo Gukoresha nk'uko yasobanuwe haruguru, igihe ikarita itangwa. Nyuma yaho, Banki ifite uburenganzira bwo guhindura kimwe muri ibi byavuzwe haruguru igihe icyo ari cyo cyose itabanje kubimenyesha, harimo n'uburyo bibarwamo. Impinduka iyo ari yo yose nk'iyo izamenyeshwa Umukoresha w'Ikarita na Banki ku Itangazo cyangwa mu buryo bundi Banki ibona bukwiye, kandi kugira ngo itange ayo makuru bizahagije ko Banki yerekana kopi y'Itangazo ririmo ayo makuru cyangwa uburyo impinduka yamenyeshejwemo.
a) Banki izohereza Umukoresha w'Ikarita raporo y'ibaruwa buri kwezi, igaragaza umwenda cyangwa amafaranga asigaye ku Konti y'Ikarita ku itariki y'iyo raporo. b) Ikosa cyangwa ikintu cyibagiranye muri iyo raporo y'konti kigomba kumenyeshwa Banki n'Umukoresha w'Ikarita ako kanya nyuma yo kuyakira. Nta bibazo bitangwa mu minsi 21 uhereye itariki y'Itangazo, izaba ifatwa nk'inyandiko nyayo kandi yemewe y'konti.
a) Banki izakuraho kuri Konti y'Ikarita amafaranga y'ibikorwa byose by'Ikarita, amafaranga y'serivisi n'izindi nshingano zose z'Umukoresha w'Ikarita zivuye ku ikoreshwa ry'Ikarita. Umukoresha Mukuru w'Ikarita azishyura Banki amafaranga yose yakuweho, haba Umukoresha w'Ikarita yasinye inyemezabwishyu y'igurisha cyangwa iy'ikurwa ry'amafaranga cyangwa atabisinye.
Ikarita igomba gusinywa n'Umukoresha w'Ikarita ako kanya nyuma yo kuyakira, kandi ishobora gukoreshwa gusa:- a) Na wa Mukoresha w'Ikarita gusa; b) Hakurikijwe amabwiriza y'aya Masezerano akurikizwa igihe ikoreshwa; c) Kugira ngo ibyoroshye n'inyungu bitangwa rimwe na rimwe na Banki ku ikoreshwa ry'Ikarita bibonwe; d) Mu gihe cy'igihe cyemewe cyanditswe ku Ikarita; e) Hakurikijwe uburenganzira bwa Banki bwo, mu bushake bwayo bwose kandi nta nteguza, igihe cyose gukuraho uburenganzira bwo gukoresha Ikarita ku gikorwa runaka cyangwa kwanga gusaba uburenganzira ku gikorwa runaka cy'Ikarita, no gutangaza ukuraho cyangwa kwangwa kwose; f) Mu rugero rw'Umwenda Ntarengwa. Mu gusuzuma niba warenze, Banki ishobora kwitabaza amafaranga y'igikorwa cy'Ikarita kitarakurwaho na cyo n'uburenganzira bwose Banki yatanze ku gikorwa kizaza cy'Ikarita; g) Kugira ngo ibone amafaranga y'inguzanyo ava kuri Banki cyangwa ATM mu rugero rw'amafaranga y'ikurwa ryihuse Banki izagena kandi ikamenyeshwa Umukoresha Mukuru w'Ikarita igihe cyose, rukaba rugize igice cy'Umwenda Ntarengwa; h) Ibikorwa byose by'Ikarita bikorewe mu ifaranga ritari Shilingi, byaba mu Rwanda cyangwa hanze yarwo, bizahinduzwa uva mu ifaranga ryakoreshejwe ugana kuri Shilingi hakoreshejwe igipimo cya Visa kiriho icyo gihe hiyongereyeho inyungu yashyizweho na Banki ku itariki y'iyo ihinduka, kandi bizakurwa kuri Konti y'Ikarita mu Shilingi; i) Ikarita ishobora gukoreshwa ku isi yose mu bikorwa by'Ikarita bigaragazwa mu ifaranga ry'igihugu cy'ikigura. Raporo y'ibaruwa buri kwezi izatangwa mu Shilingi.
a) Banki ntabwo izabazwa igihombo igihe itashoboye kubahiriza inshingano zayo muri aya Masezerano kubera (mu buryo butaziguye cyangwa butaziguye) gupfa kwa mashini iyo ari yo yose, sisitemu yo gutunganya amakuru cyangwa umurongo w'itumanaho, cyangwa kubera impaka zo mu kazi, imyigaragambyo, gufunga ibikorwa (lock-out), ibikorwa by'umwanzi wa Leta uwo ari we wese, intambara, guhagarikwa kw'inzira, imvururu zikomeye, imyigaragambyo y'abaturage, ibyorezo, inkangu, inkuba cyangwa umuriro w'amashanyarazi, inkongi z'umuriro, imvura y'umuyaga, imyuzure, imvururu z'abaturage, iterabwoba, amategeko n'amabwiriza ya Leta, ndetse n'ibindi byose biri hanze y'ubushobozi bwa Banki, abayihagarariye cyangwa abayikorera nk'abasubirwaho. Igihe Banki itashoboye gutanga cyangwa kohereza inyandiko y'imenyesha ku Konti y'Ikarita, inshingano y'Umukoresha Mukuru w'Ikarita yo kwishyura ibihano by'ubukererwe ikomeza kubarwa kugira ngo hamenyekane icyo gihano, kandi mu kugena itariki yo kwishyura, Banki ishobora guhitamo itariki imwe muri buri kwezi nk'itariki y'inyandiko y'imenyesha. b) Banki ntabwo izabazwa, ntizaba ifite inshingano cyangwa ibazwa na gato ku gihombo, ikibazo cyangwa ibyangiritse byose biturutse ku gukoresha ATM iyo ari yo yose, kandi Umukoresha Mukuru w'Ikarita yemera kurengera Banki ku bihombo, ibiciro, amafaranga n'amafaranga y'ikoreshwa byose Banki ishobora guhura nabyo cyangwa kwishyuzwa, mu buryo butaziguye cyangwa butaziguye, biturutse ku gukoreshwa kwa ATM n'umukoresha uwo ari we wese w'Ikarita cyangwa ku kurenga kuri aya Masezerano n'umukoresha uwo ari we wese w'Ikarita. c) Umukoresha Mukuru w'Ikarita agomba guhita amenyesha Umuyobozi w'Ishami ry'Amakarita, I&M Bank, P. O. Box 30238, 00100 GPO, Nairobi, Rwanda, mu nyandiko, igihe cyose habaye impinduka ku izina cyangwa aderesi. Icyemezo cyose cyangwa ibaruwa yose yoherejwe na Banki cyangwa abavoka bayo ku Mukoresha w'Ikarita kuri aderesi yamenyeshejwe Banki bwa nyuma n'Umukoresha w'Ikarita bifatwa nk'aho yageze ku Mukoresha neza. d) Gukoresha Ikarita bigengwa n'amategeko n'amabwiriza ya Visa. e) Banki ishobora gusaba, uko ibishaka, amafaranga yose akwiye kuri Konti y'Ikarita igihe habaye kurenga kuri aya Masezerano n'Umukoresha Mukuru w'Ikarita cyangwa umukoresha wungirije uwo ari we wese. f) Izindi serivisi cyangwa inyungu zose zitangwa ku bakoresha b'Amakarita nk'abo kandi zitabarizwa muri aya Masezerano zishobora kuvanwaho igihe icyo ari cyo cyose nta nteguza. g) Umukoresha w'Ikarita yemeza ko amakuru yose yatanzwe igihe yasabaga gufungura Konti y'Ikarita ndetse n'itumanaho ryose ryakurikiyeho na Banki ari ukuri rwose. h) Umukoresha w'Ikarita atanze uburenganzira bwa Banki bwo gukora ibibazo ku bijyanye n'uko ahagaze mu bijyanye n'inguzanyo, amateka y'inguzanyo ya kera ku kigo icyo ari cyo cyose gitanga amanota y'inguzanyo cyangwa ikigo gitanga inguzanyo (harimo n'andi masosiyete y'amakarita y'inguzanyo), uko Banki ibona ko bikenewe. i) Umukoresha w'Ikarita atanze uburenganzira bwa Banki bwo gukora ibibazo ku kugenzura amakuru yose yatanzwe n'Umukoresha w'Ikarita mu Ifishi yo gusaba Ikarita y'Inguzanyo ya Visa ya I&M Bank International. j) Umukoresha w'Ikarita atanze uburenganzira bwa Banki bwo gutanga amakuru ku bijyanye n'uko ahagaze mu nguzanyo, amateka y'inguzanyo ya kera n'ibindi by'Umukoresha w'Ikarita igihe habaye ibibazo biturutse ku kigo icyo ari cyo cyose gitanga amanota y'inguzanyo cyangwa ikigo gitanga inguzanyo (harimo n'andi masosiyete y'amakarita y'inguzanyo), uko Banki ibona. k) Umukoresha w'Ikarita ntazishyura umuntu uwo ari we wese usibye Banki ku bijyanye n'ibicuruzwa cyangwa serivisi byishyurwa akoresheje Ikarita. l) Banki ishobora kwegurira uburenganzira n'inyungu zayo muri aya Masezerano igihe icyo ari cyo cyose. m) Aya Masezerano azagengwa mu buryo bwose n'amategeko y'u Rwanda, kandi impande zombi zemera ubushobozi bwihariye bw'inkiko z'u Rwanda.
a) Mbere yo gushyira umukono ku rupapuro rwo gusaba, nyamuneka soma aya Masezerano neza cyane. b) Mu gushyira umukono ku rupapuro rwo gusaba, wemera ku mugaragaro amategeko y'aya Masezerano, kandi gutangwa kwa Ikarita no gukoresha kwayo bizagengwa na yo. c) Aya Masezerano areba Umukoresha Mukuru w'Ikarita n'undi wese w'Umukoresha Wungirije ukoresha konti y'Umukoresha Mukuru w'Ikarita, bazaba bishyura amafaranga nk'uko biteganywa mu bika bya 6 na 7.
a) Umukoresha w'Ikarita cyangwa umuntu wese wemerewe gukoresha Ikarita atanze uburenganzira, byaba ari inyandiko yasinywe, icyemezo cyo kwiyandikisha cyangwa amabwiriza yatanzwe kuri telefoni, cyangwa asaba gufata amafaranga cyangwa atanga nimero y'ikarita kugira ngo agure cyangwa afate amafaranga, atereka Ikarita (nko ku gutumiza mu nyandiko, gutumiza kuri telefoni cyangwa kuri Interineti), ingaruka zemewe n'amategeko zizaba zimwe n'aho Ikarita yakoreshejwe n'Umukoresha kandi icyemezo cyo kugurisha cyangwa indi nyandiko cyangwa icyemezo cyo gufata amafaranga cyasinywe n'Umukoresha. b) Banki izakura amafaranga y'ibikorwa byose bikorewe ku Ikarita kuri konti y'Ikarita, kandi Umukoresha w'Ikarita azishyura Banki amafaranga yose yakuwe muri ubwo buryo, yaba icyemezo cyangwa indi nyandiko bisinywe n'Umukoresha cyangwa atabisinye, kandi nta kurebera ku burenganzira cyangwa inshingano hagati y'umucuruzi n'Umukoresha w'Ikarita.
a) Umukoresha Mukuru w'Ikarita ni we ubazwa na Banki umwenda wose watewe n'umuntu wese wemewe n'uwo Mukoresha, hamwe n'amafaranga yose y'ubukode n'inyungu bireba. b) Inshingano y'Umukoresha Mukuru w'Ikarita kuri Banki hamwe n'Umukoresha wemewe wese ni iy'ubufatanye n'iy'umuntu ku giti cye ku mwenda wose.
a) Ibikorwa bikorerwa kuri Interineti ntibihora bifite umutekano. Ni inshingano y'Umukoresha w'Ikarita kwemeza ko ikorwa ry'igikorwa cyose cya Interineti rikorerwa ku rubuga rufite umutekano. b) Banki ntizemera inshingano z'ikoreshwabi nabi ry'Ikarita iryo ari ryo ryose biturutse ku kuba umukiriya yatanze nimero y'Ikarita ye kuri Interineti. c) Iyi Karita NTIGOMBA gukoreshwa mu gutera inkunga ibikorwa by'iterabwoba, mu rwego rwo guhisha inkomoko y'amafaranga, uburiganya, cyangwa ibindi bikorwa binyuranyije n'amategeko.
a) Umukoresha w'Ikarita agomba kuba azi neza kandi yubahiriza amategeko yose agenga ivunjisha akurikizwa igihe Ikarita ikoreshwa hanze y'agace k'ifaranga ry'u Rwanda. b) Ibikorwa bikorwa mu mafaranga y'amahanga bizagaragara ku mwirondoro w'konti mu Mafaranga y'u Rwanda kandi bizishyurwa mu mafaranga y'u Rwanda, bivunjwe ku gipimo cy'ivunjisha Banki yishyuza igihe cyo kuvunjisha gikorwa na Visa, hiyongereyeho ijanisha ku gaciro k'amafaranga yavunjwe k'ikorwa ry'amafaranga y'amahanga, kandi iryo janisha rishobora guhinduka uko igihe kigenda. Iki gipimo gishobora kutaba ari cyo cyakurikizwaga ku itariki y'ikorwa ry'igikorwa.
a) Banki ntiyemera inshingano iyo ari yo yose ku Mukoresha w'Ikarita niba umucuruzi uwo ari we wese yanze cyangwa atubahirije Ikarita, cyangwa habaye impaka ku bijyanye n'ubwoko cyangwa ubuziranenge bw'ibicuruzwa cyangwa serivisi byaguzwe kuri uwo mucuruzi, hemezwa ko nta mucuruzi uhagarariye Banki. b) Ibirego byose, harimo n'uburenganzira bwo kwishyuza cyangwa guhagarika umwenda ku ruhande rw'Umukoresha w'Ikarita, n'impaka zose ku cyemezo cyo kugurisha cyangwa icyemezo cy'inguzanyo cyangwa igikorwa cyose kirimo Ikarita cyangwa indi mikoreshereze y'Ikarita kuri konti y'Ikarita, bizakemurwa hagati y'umucuruzi n'Umukoresha w'Ikarita ubwabo kandi ntibizagira ingaruka ku mwenda. c) Banki ntiyemera inshingano iyo ari yo yose ku Mukoresha w'Ikarita ku kibazo cyose cya ATM gikora nabi.
Banki ishobora guhindura aya Masezerano igihe icyo ari cyo cyose, byaba bihuriranye cyangwa bitahuriranye no guhindurwa gusa kw'amasezerano yandi yose hamwe n'abandi bafite ikarita (ba Cardholder). Hashingiwe ku bisabwa n'amategeko (niba bihari), Umukoresha Mukuru w'Ikarita (Principal Cardholder) agomba guhabwa integuza y'iminsi 30 y'iryo hindurwa, ihabwa mu nyandiko, binyuze mu gutangaza ku mugaragaro cyangwa mu buryo ubwo ari bwo bwose Banki ihitamo, kandi iryo hindurwa rizaba itegeko ku mukoresha w'ikarita.
a) Banki ishobora gutanga amakarita yo gukoreshwa n'umuntu ku giti cye wese watoranyijwe n'Umukoresha Mukuru w'Ikarita nk'Umukoresha Wemewe/Umukoresha w'Inyongera ku Konti y'Ikarita. Umukoresha Mukuru w'Ikarita azabazwa amafaranga yose ava cyangwa ibihombo Banki yagize bijyanye no gukoresha ikarita n'Umukoresha Wemewe (harimo n'ikoreshwa ryose rinyuranyije n'aya Masezerano, Banki ikaba idafite inshingano zo kurikumira), ayo mafaranga akazakurwa kuri Konti y'Ikarita. Hiyongereyeho ubundi bubasha bwayo, Banki izahagarika ikarita y'Umukoresha Wemewe igihe icyo ari cyo cyose ku busabe bwanditse bw'Umukoresha Mukuru w'Ikarita no gusubizwa kw'iyo karita kuri Banki, cyangwa igihe Umukoresha Wemewe yayisubije Banki. Inshingano zose ku ikoreshwa ry'iyo karita zizakomeza kuba iz'Umukoresha Mukuru w'Ikarita wenyine.
a) Konti y'Ikarita izongerwamo amafaranga yasubijwe ku Gikorwa cy'Ikarita gusa Banki igihe yakiriye icyemezo cyo gusubiza amafaranga (refund voucher) cyangwa ikindi gihamya cyo gusubiza amafaranga yemewe na yo. Nta cyifuzo umufite ikarita afite kuri umuntu wa gatatu gishobora kuba impamvu yo kwiregura cyangwa kurega Banki. Nta burenganzira bwa Cardholder kuri Banki bushobora kwimurirwa undi cyangwa kugurishwa mu buryo ubwo ari bwo bwose. b) Nta mufite ikarita uzasubiza mu mafaranga ibicuruzwa n'amatike ya serivisi yaguzwe hakoreshejwe ikarita. Gusubizwa kwose kw'amafaranga kugomba gukorerwa gusa binyuze kuri Konti y'Ikarita.
a) Umukoresha w'ikarita azita cyane ku mutekano w'ikarita no kubika ibanga ry'ibanga (PIN) igihe cyose. Umukoresha mukuru w'ikarita ashobora gutangariza PIN umukoresha wemewe gusa. b) Umukoresha w'ikarita ntagomba kwemerera undi muntu wese gukoresha ikarita, haba afite cyangwa atazi PIN. c) Umukoresha w'ikarita ntagomba na rimwe kwandika PIN ku ikarita cyangwa ku kintu cyose gishyirwa hamwe nayo. d) Ni inshingano y'umukoresha w'ikarita kurinda ikarita ye nk'uko yarinda amafaranga ari mu ntoki. e) Niba ikarita itakaye, yibwe cyangwa ishobora gukoreshwa nabi ku mpamvu iyo ari yo yose, cyangwa niba PIN imenyekanishijwe umuntu utari umukoresha wemewe, umukoresha w'ikarita agomba guhita amenyesha Ikigo cy'Amakarita, abinyujije kuri telefoni ku nomero 3221111 cyangwa 246552-9 Nairobi, kandi iryo tangazo rigomba guhita ryemezwa mu nyandiko, rikoherejwe mu iposita cyangwa kuri fax, rigere ku Muyobozi, I&M Bank, Ikigo cy'Amakarita, P. O Box 30238, 00100 Nairobi. f) Kugeza igihe Banki yakira itangazo ryemewe, Umukoresha mukuru w'ikarita azabazwa ibyo gukoresha nabi ikarita iyo ari yo yose. g) Umukoresha w'ikarita azaha Banki amakuru yose afite ku mpamvu n'uko ikarita yatakaye, yibwe cyangwa yakoreshejwe nabi cyangwa uko PIN yamenyekanye, kandi azakora ibyo Banki ibona ko ari ngombwa byose kugira ngo bifashe mu gushaka ikarita yabuze. Mu gihe hari gukekwa ko habaye igihombo, wibwe cyangwa gukoreshwa nabi, Banki ishobora guha polisi amakuru yose ibona ko akenewe. Niba ikarita itangajwe ko yatakaye, yibwe cyangwa ishobora gukoreshwa nabi, iyo karita ntigomba gukoreshwa nyuma yaho ahubwo igomba gucibwa mo kabiri igasubizwa ako kanya Umuyobozi, Ikigo cy'Amakarita, P.O. Box 30238, 00100 GPO, Nairobi.
Buri ruhande rw'aya Masezerano rushobora gushaka guhagarika amasezerano nk'uko bikurikira: a) Umukoresha mukuru w'ikarita ashobora guhagarika aya Masezerano abinyujije mu itangazo ryanditse ryoherejwe muri Banki, ariko guhagarika bizatangira gukurikizwa gusa igihe ikarita zose zatanzwe zikoreshwa kuri Konti y'Ikarita zisubijwe muri Banki, kandi igihe imyenda yose y'umukoresha mukuru w'ikarita iri muri aya Masezerano imaze kwishyurwa neza. Kugeza igihe ibyo bihagarikwa, Banki ishobora gusubiramo gutanga amakarita igihe cyose ukurikije aya Masezerano. b) Nta kindi gikubiye muri aya Masezerano kiri bubangamire, imyenda yose izahita yishyurwa mu gihe Banki ibishaka, nta kumenyeshwa cyangwa gusabwa, kandi Banki ishobora guhagarika aya Masezerano nta kumenyeshwa mu gihe habaye: 10.1 Urupfu rw'umukoresha w'ikarita uwo ari we wese. 10.2 Kubura ubushobozi bwo kwishyura (insolvency) by'umukoresha w'ikarita cyangwa kutishyura kwe imyenda yose iteganywa muri aya Masezerano cyangwa izindi nshingano z'umukoresha w'ikarita. 10.3 Gutangira kw'imanza zo gufatira imitungo (garnishee), imanza z'ubujura cyangwa ubugizi bwa nabi, imanza z'gutangaza umuntu wapfuye mu bushobozi bwo kwishyura (bankruptcy), cyangwa imanza zo gufatira no gushyira mu bikorwa imyanzuro (attachment or execution) zireba umukoresha w'ikarita uwo ari we wese cyangwa umukoresha wemewe. 10.4 Kutubahiriza cyangwa kutishyura ibivugwa muri aya Masezerano. Umukoresha w'ikarita azabazwa amafaranga yose y'amategeko n'ibindi bikoresho byose Banki yatanze, harimo n'icyo umunyamategeko w'ikirego (attorney) yishyuza.
- Muri aya mabwiriza
ESG
Intangiriro Muri I&M Bank (Rwanda) Plc, twemera ko iterambere rirambye n’imikorere y’ubucuruzi yubahiriza inshingano ari ingenzi mu gutsinda igihe kirekire. Nk’igice cy’ubushake bwacu mu mahame ya Bidukikije, Imibereho Myiza n’Imiyoborere (ESG), twiyemeje guhuza iterambere rirambye mu bice byose by’imikorere yacu. Dushyiramo ibintu bya ESG mu ngamba zacu, politiki zacu n’uburyo dufatamo ibyemezo, tugamije guha abakiriya bacu, abakozi, abashoramari n’abaturage tubafasha agaciro karambye. Kanda hano kugira ngo ufungure inyandiko: https://www.imbankgroup.com/rw/wp-content/uploads/sites/4/2025/03/IM-Banks-Commitment-1-1.pdf
Amategeko n'Amabwiriza Rusange
AMABWIRIZA RUSANGE N’AMATEGEKO I&M Bank Limited Rwanda ifite uburenganzira bwo kuvugurura cyangwa guhindura aya Mabwiriza n’Amategeko igihe icyo ari cyo cyose, nta nteguza ibanje gutangwa. Bitewe n’andi masezerano yanditse hagati ya Banki n’Umukiriya, umubano hagati ya Banki n’Umukiriya uzayoborwa n’amabwiriza n’amategeko rusange akurikira (“Amabwiriza n’Amategeko Rusange”):
AMABWIRIZA YO KURENGERA ABAGUZI
GAHUNDA Y'INGURANISHA IGIHOMBO KU BWA I&M BANK
Intangiriro
Muri I&M Bank, dushyira imbere icyizere n’ibyishimo by’abakiriya bacu. Tuzi ko rimwe na rimwe amakosa cyangwa uburangare bwacu bishobora gutera abakiriya bacu igihombo cy’amafaranga. Muri ibyo bihe, Politiki yacu yo Gutanga Indishyi yateguwe kugira ngo itange uburyo buboneye bwo gukemura ibibazo nk’ibyo no guha indishyi abakiriya bahuye na byo.
Igihe cyo gukemura ibibazo by'abakiriya imbere muri Banki ntikirenza iminsi 7, kandi igihe kirekire cyo gukemura ikibazo ni iminsi 13.
- Uburenganzira ku Ndishyi
- Ibipimo byo Kubara Indishyi
- Amafaranga yatakaye bitewe n’uburangare: Igihombo cy’amafaranga cyatewe mu buryo butaziguye n’uburangare bwa banki.
- Amahirwe yatakaye: Inyungu cyangwa amafaranga umuguzi yari gukuramo iyo uburangare butaba bwarabaye.
- Igihombo cyishyuwe n'Umukiriya wa Serivisi z'Imari: Amafaranga yose yiyongereye umukiriya yishyuye kubera uburangare bw'banki.
- Igipimo cy'indishyi
- Uburyo bwo gutanga ikirego
- Tanga ikirego
- Tanga inyandiko zose zikenewe
- Igihe cyo gusuzuma
- Tanga indishyu
- Gusubiramo politiki
- Ubwoko bw'uburyo bwihariye bwo kwitabwaho
- Ubumuga bw'umubiri: Ibikoresho byorohereza kugera harimo aho guparika hagenewe, inzira z'abafite intebe z'abamugaye, n'ATM zorohereza kugerwaho.
- Ubumuga bw'amaso, ubumuga bwo kutumva, ibibazo by'ubuzima bwo mu mutwe cyangwa izindi mbogamizi zose: Abakozi bacu bahuguwe gufasha abakiriya bose bafite ubumuga.
- Amakuru y'ahantu wahamagara ushaka ubufasha
- Telefone
- Imeri
- Ku biro: Abakozi ba serivisi z'abakiriya bari ku ishami ryose
- Uburyo bwo gucunga ibirego
| Urwego | Ibisobanuro | Igihe gisanzwe |
| Urwego 1 | Abakozi bose bakorana n'umukiriya ku buryo butaziguye, harimo serivisi zita ku bakiriya, ikigo cy'itumanaho (call center) n'ikigo cy'inguzanyo | Ntarengwa y'amasaha 24 |
| Urwego 2 | Aho ibibazo bisumbirwa muri Banki harimo abayobozi b'amatsinda, abagenzuzi n'abayobozi b'amashami (BMs) | Ntarengwa y'amasaha 48 |
| Urwego 3 | Urwego rwo hejuru rw'isumbirwaho muri Banki, harimo Ubuyobozi Bukuru n'Abayobozi b'Amashami atandukanye | Ntarengwa y'amasaha 72 |
https://www.imbankgroup.com/rw/wp-content/uploads/sites/4/2024/10/Anti-Corruption-and-Fraud-Management-CommitmentNU-002.pdf Anti-Corruption and Fraud Management Commitment I&M Bank is committed to protecting your assets and maintaining integrity. We have implemented measures against corruption and mechanisms to prevent fraud, with transparent procedures for refunds where applicable. In the event of fraudulent activity or transaction, we thoroughly investigate the incident and commit to provide appropriate remedial actions within 15 days from the confirmation of the incident by competent organs. Report any misconduct anonymously via [email protected], +27315715307, or www.tip-offs.com. Engagement Anti-Corruption et Gestion de la Fraude I&M Bank s'engage à protéger vos biens et à maintenir l'intégrité. Nous avons mis en place des mesures contre la corruption et des mécanismes de prévention de la fraude, avec des procédures transparentes pour le remboursement si possible. En cas d'activité ou de transaction frauduleuse, nous enquêtons rigoureusement sur l'incident et nous nous engageons à mettre en place des mesures correctives appropriées dans un délai de 15 jours après la confirmation de l'incident par les organes compétents. Signalez anonymement toute inconduite via [email protected], +27315715307, ou www.tip-offs.com. Ingamba zo Kurwanya Ruswa n’Uburiganya I&M Bank yiyemeje kurinda imitungo yanyu no gusigasira ubunyangamugayo. Twashyizeho ingamba zo kurwanya ruswa no gukumira uburiganya, harimo n’uburyo bwo kwishyura iyo bibaye ngombwa,biciye mu mucyo. Mu gihe cy'uburiganya cyangwa ibikorwa bifitanye isano nabyo, dufata igihe cyo gukora iperereza ryimbitse kandi twiyemeza gufata ingamba zikwiye mu gihe kitarenze iminsi 15 kuva igihe icyaha cyemejwe n'inzego zishinzwe kubikurikirana. Ushobora gutanga amakuru ku myitwarire idahwitse, mu buryo bw’ibanga wandikira imeri [email protected] [email protected] , cyangwa ugahamagara +27315715307, cyangwa ugasura urubuga www.tip-offs.com.
(a) Banki izatanga amafaranga ku mukiriya gusa igihe herekanwe cheque yasinywe neza n'Umukono Wemewe; (b) igihe cheque yerekanywe n'undi muntu utari umukiriya agamije kubikuza amafaranga, Banki ishobora gusaba ko yemezwa n'Umukono Wemewe mbere yo kwishyura uwo muntu; kandi (c) igihe Umukono Wemewe asabye Banki kwishyura hakurikijwe ibivugwa mu gace (b) haruguru, umukiriya agomba kunga Banki mu buryo bwuzuye kandi budafite imbogamizi ku byishyuwe byose ku mutware wa cheque, haba amafaranga yakiriwe n'umukiriya cyangwa atakiriwe, ndetse n'aho itegeko ryo kwishyura ari ryo koko ryatanzwe n'umukiriya cyangwa atari ryo.
(a) Umukiriya ashobora gushyira mu Konti yo kwishyura amafaranga y'amafaranga, sheki n'/cyangwa izindi nyandiko zishyura zanditswe mu buryo n'uburyo byemewe na Banki. Banki ntizemera ubwishingizi ku mafaranga yoherejwe binyuze mu iposita. Sheki n'/cyangwa izindi nyandiko zoherejwe binyuze mu iposita zigomba kuba zabambwe kandi zanditseho ‘Ni iy'Umuntu wanditswe Gusa/Ntizicuruzwa’ kandi zigomba kwandikwa mu izina ry'Umukiriya ufite Konti; (b) inyandiko iyo ari yo yose ishobora kugurwa cyangwa idashobora kugurwa, ku buryo bwose, Banki izemera kuyibitsa cyangwa kuyikurikirana ku mugaragaro ku nshingano z'Umukiriya wenyine. Banki ifite uburenganzira bwo guhindura nta nteguza iyo ari yo yose ibyanditswe kuri Konti no gukuraho amafaranga yongerewe kuri Konti ku nyandiko z'amasezerano yo kwishyura, ibyemezo by'ivunjisha, sheki cyangwa izindi nyandiko zinjijwe kuri Konti zisubizwa zitishyuwe impamvu iyo ari yo yose, yaba Banki yaramenyesheje Umukiriya ibyo byanditswe n'ayo nyongeramusaruro cyangwa atabimenyesheje. Guhindura ibyo byanditswe no gukuraho ayo mafaranga ntibibangamira uburenganzira bwa Banki bwo kugumana izo nyandiko zitishyuwe, sheki cyangwa izindi nyandiko no gukoresha ku nyungu zayo uburenganzira bwose bujyanye n'izo nyandiko; (c) Banki nta nshingano ifite kandi ntizabazwa agaciro k'amafaranga ahabwa n'uwayahawe cyangwa Banki yakoranye nayo, mu gihe Banki yakoze ukurikije amabwiriza y'Umukiriya; (d) Banki ikora gusa nk'umukozi ushinzwe gukusanya y'Umukiriya kandi nta nshingano ifite ku kugurisha ibintu byose byashyizwe muri Banki kugira ngo bikusanywe; na (e) kuganira no gukusanya inyandiko zishobora kugurwa zanditse mu mafaranga y'amahanga bikurikizwa Amategeko Asanzwe ya Chambre Internationale de Commerce yerekeye Gukusanya nk'uko ashyizweho ubu cyangwa uko yahinduwe cyangwa avuguruwe nyuma.
Umukiriya agomba guha Banki, mu buryo bwemewe na Banki ku bushake bwayo bwose kandi bwuzuye, icyitegererezo cy'umukono wa buri Umukozi Wemerewe. Banki ishobora gusaba icyitegererezo gishya cy'umukono mu gihe izina ry'Umukiriya ryahindutse.
(a) Banki izaba itegetswe gukurikiza gusa amabwiriza y’umwimerere y’Umukiriya yashyizweho umukono mu buryo bukwiye and/or inyandiko zatanzwe cyangwa zemejwe hakurikijwe Itegeko ryo Gutanga Ububasha (Mandate), kugeza igihe Umukiriya azamenyesha Banki mu nyandiko ku buryo bukwiye ko atabikomeje; (b) amabwiriza yakiriwe nyuma y’Amasaha y’Akazi ya Banki cyangwa ku munsi utari uwo gukoraho akazi azakorwaho ku munsi ukurikiraho w’akazi. Umukiriya ashobora guhagarika amabwiriza mu gihe Banki itaba yarahatiwe burundu gukurikiza ayo mabwiriza, ndetse hakanemezwa mu nyandiko ko ayo mabwiriza atarakorwa. Banki ifite uburenganzira bwo gukata amafaranga y’ihagarikwa ry’amabwiriza hakurikijwe Ibiciro bya Banki; (c) Banki ishobora, ikurikije ibisabwa yibonera ku bw’ubushake bwayo bwose kandi nyuma yo gusabwa mbere mu nyandiko n’Umukiriya, gukurikiza amabwiriza yatanzwe mu magambo, kuri telefaks, mu buryo bw’ikoranabuhanga cyangwa mu yindi nzira itari iyanditse. Ariko Banki ntizaba ibazwa kandi Umukiriya azayirengera yose ndetse ntizaryozwa igihombo igihe Banki yakurikije amabwiriza yonononwe cyangwa yoherejwe nabi, cyangwa igihe amakuru ari muri ubwo butumwa atakiriwe cyangwa atinze; na (d) Banki ishobora kwanga gukurikiza amabwiriza y’Umukiriya, igihe amabwiriza adasobanutse neza na/cyangwa igihe Banki ifite impamvu yo gukeka ko Umukiriya atayatanze na/cyangwa igihe Banki ibona ko gukurikiza ayo mabwiriza byarenga ku itegeko, amabwiriza ngenderwaho, ibyo bisabwa cyangwa indi nshingano ireba Banki.
Banki ifite uburenganzira busesuye, ku bushake bwayo bwose, igihe cyose mu gihe Konti imaze gufungurwa, gusaba Umukiriya amakuru and/cyangwa inyandiko zose Banki ishobora gukenera mu gushyiraho no/cyangwa mu gukora kuri Konti.
Aya Mabwiriza Rusange n’Ayihariye y’Imikoreshereze (Terms and Conditions) yose azagengwa n’amategeko ya Repubulika y’u Rwanda, kandi Umukiriya yemera ubutegetsi bw’Inkiko z’u Rwanda butari ubwihariye.
Konti izakoreshwa n’Umukiriya ku izina (amazina) yagaragajwe mu Ifishi yo Gusaba n’izindi nyandiko zose zatanzwe hakurikijwe ifishi. Banki ifite uburenganzira busesuye, ku bushake bwayo bwose, bwo gusaba Umukiriya ibimenyetso byose bikenewe by’izina ry’Umukiriya n’impinduka zose ryaba ryarakozeho, kandi Banki ifite uburenganzira bwo kwanga gukurikiza bimwe cyangwa byose mu mabwiriza y’Umukiriya kugeza igihe icyo kibazo kizaba cyakemuwe ku buryo bunyuze Banki rwose.
Umukiriya yemera ku bushake kwishyura no kurengera Banki ku bijyanye n'ibirego byose, ibisaba, igihombo, amafaranga yakoreshejwe, ibyangijwe, inshingano n'amafaranga yose yaba ayo ari yo yose (harimo imisoro yose, amafaranga y'abavoka n'ay'amategeko cyangwa ay'ububasha bwa leta (yishyuzwa, aho bikwiye, hashingiwe ku mategeko y'umunyamategeko/umukiriya)) Banki (cyangwa undi muntu wese ku izina rya Banki) yatakaje, yahuye na yo cyangwa yagizwemo ingaruka na yo, bijyanye no: (a) gutegura, gutegurwa, gusinywa, gutangwa, gushyirwaho ikimenyetso cy'ikoranabuhanga cyangwa kwandikishwa (byaba byose cyangwa igice) by'ingwate iyo ari yo yose; (b) kubungabunga cyangwa gukoresha (cyangwa kugerageza kubungabunga cyangwa gukoresha) uburenganzira ubwo ari bwo bwose bwa Banki bushingiye ku Mabwiriza Rusange n'Amasezerano, Amabwiriza n'Amasezerano Yihariye n'/cyangwa ingwate iyo ari yo yose cyangwa bujyanye na byo, harimo gushyira mu bikorwa (cyangwa kugerageza gushyira mu bikorwa) ayo mabwiriza; (c) impinduka cyangwa kwemera impinduka zaba izateganyijwe cyangwa izamaze gukorwa ku ngwate iyo ari yo yose cyangwa kwivanaho; (d) guhagarika cyangwa kurekura ingwate iyo ari yo yose; no (e) gukorana cyangwa kubona inama z'umwuga n'izindi nama ku kibazo cyangwa ikibazo cyose kivuka mu Mabwiriza Rusange n'Amasezerano, Amabwiriza n'Amasezerano Yihariye n'/cyangwa ingwate iyo ari yo yose cyangwa bifitanye isano na yo.
(a) Banki ishobora guhindura Amabwiriza Rusange n'Amasezerano, Amabwiriza n'Amasezerano Yihariye n'/cyangwa Ibiciro bya Banki (byose cyangwa igice) igihe icyo ari cyo cyose. Impinduka iyo ari yo yose ishobora kumenyeshwa Umukiriya mu nyandiko cyangwa binyuze mu gutangaza ku buryo Banki izahitamo, ariko impinduka iyo ari yo yose, yaba yamenyeshejwe cyangwa itamenyeshejwe, izaba igomba kubahirizwa n'Umukiriya; na (b) Banki ishobora gushyiraho ubwoko bushya bwa Konti ku bwo Amabwiriza n'Amasezerano Yihariye azakurikizwa. Igihe habaye guhurira mu Mabwiriza Rusange n'Amasezerano no mu Mabwiriza n'Amasezerano Yihariye, Amabwiriza n'Amasezerano Yihariye ni yo azakurikizwa.
(a) Ijambo “Umukiriya” na/cyangwa “umuntu” na/cyangwa “uruhande” rishyira mu rwego rwaryo umuntu wese ku giti cye, ikigo, ubufatanye, ikigo gifite ubuzimagatozi cyangwa umuryango, Leta, ikigo cya Leta, cyangwa inzego za leta, byaba bitwa iki cyangwa bifite iyihe mikorere. Iyo hari babiri cyangwa benshi bashyizwe muri iryo jambo “Umukiriya” na/cyangwa “umuntu” na/cyangwa “uruhande”, iryo jambo rishyiramo umwe muri bo ku giti cye na/cyangwa bose hamwe cyangwa bose ku bwabo; (b) Amagambo avuga umubare umwe ashyiramo n'umubare w'ingereka, kandi ayavuga igitsina gabo ashyiramo n'igitsina gore n'igitsina kitari icy'abagabo cyangwa icy'abagore, n'ibindi bivuze uko; (c) inshingano iyo ari yo yose ishyirwa cyangwa iva mu Mabwiriza Rusange n'Amasezerano ikorwa n'abantu barenze umwe ni inshingano ihuriweho kandi ifatanye ku buri muntu wese wayemeye, yaba nk'uwa mbere, umurengera, umwishingizi, umwishingizi w'inguzanyo cyangwa ubundi buryo bwose; na (d) buri ngingo y'Amabwiriza Rusange n'Amasezerano yigenga kandi itandukanye n'izindi. Igihe icyo ari cyo cyose, niba hari Ingingo iyo ari yo yose y'Amabwiriza Rusange cyangwa Amasezerano ibiri muri yo itemewe, itubahirijwe cyangwa idashobora gushyirwa mu bikorwa mu buryo ubwo ari bwo bwose, uko byemewe n'amategeko, ubuziranenge cyangwa ubushobozi bwo gushyirwa mu bikorwa kw'andi Mabwiriza Rusange n'Amasezerano ntibizagirwaho ingaruka muri ubwo buryo ubwo ari bwo bwose.
Banki ifite uburenganzira busesuye kandi butagira imbogamizi bwo kwimurira cyangwa kohereza uburenganzira bwayo bwose cyangwa bumwe muri bwo, inyungu n'inshingano byose cyangwa bumwe muri byo bishingiye ku Mabwiriza Rusange n'Amasezerano n'/cyangwa ku Mabwiriza n'Amasezerano Yihariye, ku muntu uwo ari we wese igihe icyo ari cyo cyose itabanje kumenyesha Umukiriya.
(a) Hakurikijwe Itegeko ryo Kurinda Amakuru Bwite, 2019 (‘‘DPA’’), Banki irasaba uburenganzira bwawe bwo gukusanya no gukoresha amakuru yawe bwite (urugero: izina, aderesi y’iposita n’iy’aho uba, ifoto, aderesi ya imeli, nimero ya telefoni, inyandiko z’indangamuntu n’umubare w’ibanga wa PIN, n’andi makuru yose ashobora gusabwa) mu rwego rwo gukora isuzuma ryimbitse, kubika amakuru y’abakiriya bacu, kubahiriza amategeko n’amabwiriza akurikizwa, ndetse n’izindi mpamvu zose zishobora kukumenyeshwa (‘‘Impamvu’’). (b) Banki kandi izakusanya no gukoresha amakuru yawe bwite kugira ngo igutangarize amakuru ku bicuruzwa na serivisi bishobora kukureba (‘‘Serivisi’’). (c) Wemerewe mu buryo bw’imiterere yawe ko ibikorwa byose byo gutunganya amakuru bijyanye na konti yawe bikorwa. Kugira ngo wemere cyangwa wange ibikorwa byo gutunganya amakuru yawe bwite, sura Itangazo ryacu ry’Ibanga kuri urubuga rwacu hano hepfo: https://www.imbank.com/information/information-security/privacy-notice (d) Banki yubahiriza ibanga ryawe kandi yemeza ko amakuru yawe bwite azabikwa neza hakurikijwe DPA. (e) Uburenganzira bwawe bwavuzwe muri (c) hejuru buzakomeza kubaho kugeza ubwo uzabuvanaho ukoresheje uburyo bwateganyijwe mu Itangazo ry’Ibanga cyangwa ubimenyesheje Banki mu nyandiko ku mugaragaro kuri ([email protected]). (f) Wemera kandi ukemera ko ari wowe wenyine ufite uburenganzira n’inshingano yo kurinda amakuru yawe bwite asangizwa kuri WhatsApp Banking. Gucunga nabi amakuru bwite bishobora kukugiraho ingaruka zijyanye no gukoreshwa nabi. Buri gihe rinda telefoni yawe/igikoresho cyawe ijambobanga kandi usibe ubutumwa bw’amafaranga asigaye kuri konti kugira ngo wirinde gukoreshwa nabi. Banki ntishobora na rimwe kubazwa ingaruka zavuzwe haruguru.
(a) Banki iha agaciro ibanga ry’Umukiriya kandi ifite politiki yo kubika mu ibanga amakuru na/cyangwa inyandiko zijyanye n’Umukiriya na/cyangwa Konti. Icyakora, Banki ishobora mu bihe runaka gutangariza amakuru na/cyangwa inyandiko nk’izo umuntu uwo ari we wese bijyanye n’ikibazo nyacyo cyangwa gishobora kubaho cyo kutubahiriza amasezerano n’Umukiriya. Ubu burenganzira bwo gutangaza burimo gutangaza amakuru hakurikijwe aya Mabwiriza Rusange n’Amasezerano (harimo no kwegurira cyangwa kwimurira undi uburenganzira n’inshingano zose za Banki hakurikijwe aya Mabwiriza Rusange n’Amasezerano); (b) Umukiriya aha Banki uburenganzira bwo gusubiza, nibiba ngombwa, ibibazo byose (harimo ariko ntibigarukire gusa ku bisobanuro bya banki) byakiriwe n’indi banki, ikigo cy’imari cyangwa undi muntu utanga serivisi z’inguzanyo cyangwa iz’imari, bifitanye isano na Konti, nta kuvuga Umukiriya; (c) Banki ishobora kandi gutangaza amakuru na/cyangwa inyandiko zijyanye na Konti mu buryo bukurikira: (i) ku bigo bitanga ibisobanuro ku mitangire y’inguzanyo, gupima cyangwa gutanga amanota; (ii) ku bantu batanga amakuru cyangwa serivisi kuri Banki (harimo ariko ntibigarukire gusa ku bigo bifite imigabane, ibigo by’itsinda, ibigo bishamikiye cyangwa abafitanye isano), bisobanuwe ko ayo makuru agomba kugumana ibanga kandi ntashobora gukomeza gutangazwa; na (iii) igihe Banki ifite inshingano zemewe n’amategeko cyangwa iz’amasezerano zo kubikora (harimo ariko ntizigarukire gusa ku nshingano za Banki z’amategeko cyangwa iz’amasezerano zo gukumira iyezandonke n’ibyaha bifitanye isano) na/cyangwa igihe bigamije inyungu rusange.
(a) Itumanaho ryose ryanditse riva muri Banki rijya ku Mukiriya, harimo ariko ntiribanze, itangazo ryose ritangwa hakurikijwe aya Mabwiriza Rusange n'Amasezerano, bifatwa ko Mukiriya yabonye: (i) niba ritanzwe mu buryo bw'intoki, ku itariki n'isaha ryatangiweho; (ii) niba ryoherejwe binyuze ku iposita, ku munsi wa kane uhereye igihe ryatangiweho; (iii) niba ryoherejwe binyuze ku ndege (airmail), ku munsi wa karindwi uhereye igihe ryatangiweho; (iv) niba ryoherejwe binyuze kuri telex, igihe hakiriwe igisubizo cyemewe; (v) niba ryoherejwe binyuze kuri SWIFT, igihe hakiriwe ubutumwa bwa SWIFT bwemejwe; (vi) niba ryoherejwe binyuze kuri SMS/imeri/fax, igihe ohereza yuzuje kohereza, kandi ku byoherejwe ku iposita, bihagije kugaragaza ko ibaruwa irimo itumanaho yashyizweho amafaranga y'iposita kandi yanditseho aderesi neza, nubwo itigeze igera ku ba nyirayo cyangwa ikagaruka itatanzwe; kandi (vii) Mukiriya nta burenganzira afite bwo gusaba Banki indishyi zatewe no gutakara, gutinda, kutumvikana, kwangirika, gusubiramo, cyangwa ikindi kibazo cyose giterwa no kohererezwa itumanaho ryose, haba rivuye kuri Mukiriya cyangwa rijya kuri we, kuri Banki cyangwa ku muntu wa gatatu, binyuze mu ntoki, iposita, fax, telegarafe, telefoni, telex cyangwa ubundi buryo bwose bw'itumanaho rikoresha insinga.
Banki ntabazwa ubuhamya, ubwemewe, ubwubahirizwe cyangwa agaciro k'inyandiko harimo ariko ntiribanze inyemezabuguzi zo gutwara ibicuruzwa (bills of lading), amabwiriza yo gutanga ibicuruzwa, inyandiko z'ibicuruzwa byohererejwe, inyemezabwishyu, impapuro z'uburenganzira (warrants) n'amasezerano y'ubwishingizi.
a) Banki ntizabazwa na Mukiriya ibi bikurikira: (i) igihombo cy'inyungu cyangwa amahirwe cyangwa indi ngaruka yose yatewe no gutakaza izina ry'Umukiriya. Banki nta nshingano na imwe ifite ku Mukiriya cyangwa ku muntu wa gatatu kubera kwishyura mu izina rye cyangwa gukurikiza amabwiriza yanditse yitwa ko yatanzwe na Mukiriya, ndetse no mu gihe yakozwe nta bushishozi, aho umukono cyangwa ibirimo mu mabwiriza byahimbwe, niba Mukiriya yarafashije gukora ibyo bihimbano cyangwa niba hari icyo gihimbano cyabayeho mbere ku cheke cya Mukiriya cyangwa ku nyandiko y'amabwiriza, ataragaragaje ko atabyemera, cyangwa niba Banki yakoresheje ubushishozi bukwiye kandi igakora mu nzira nziza mu kwishyura; (ii) igikorwa cyose cyangwa kudakora kwose, harimo kutubahiriza inshingano zayo hakurikijwe aya Mabwiriza Rusange n'Amasezerano, biterwa n'impamvu zirenze ubushobozi bwa Banki bwo kugenzura, harimo ariko ntiribanze inkongi y'umuriro, imyigaragambyo, kwigomeka cyangwa imvururu, ibihano by'ubucuruzi (embargo), ibikorwa by'iterabwoba cyangwa by'umwanzi, ubujura cyangwa ubwambuzi, gutinda mu gutwara, cyangwa amategeko n'amabwiriza y'inzego z'abasivili cyangwa iza gisirikare; na (iii) (igihe Banki ikoresha Konti binyuze muri porogaramu ya mudasobwa cyangwa ubundi buryo bw'ibaruramari) ku gihe porogaramu itakoze neza, byaba byatewe mu buryo butaziguye cyangwa butaziguye n'ibi (harimo ariko ntiribanze) guhindagurika kw'amashanyarazi cyangwa kwangirika guterwa n'inkongi, amazi, impanuka, kumeneka kw'amazi, guhuzwa n'amashanyarazi adakwiye, cyangwa insinga z'amashanyarazi zidakozwe neza cyangwa zidahuye; (b) hakurikijwe aya Mabwiriza Rusange n'Amasezerano, igihe Banki isanzwe ibazwa na Mukiriya igihombo, ikibazo cyangwa indishyi yatewe no gutinda cyangwa amakosa yakozwe ku ziboneka mu bushake cyangwa mu buryo butitaweho mu gukurikiza amabwiriza asobanutse kandi yumvikana ya Mukiriya, inshingano za Banki zizaba ari izoroshye muri ebyo: (i) umubare w'icyo gihombo, ikibazo cyangwa indishyi; cyangwa (ii) umubare w'inyungu zitakiriwe, cyangwa inyungu Mukiriya agomba kwishyura kubera icyo gutsindwa, gutinda cyangwa amakosa.
Aderesi Umukiriya yashyize mu Ifishi isaba ikoreshwa izamenyekana na Banki nk'aderesi yanditswe y'Umukiriya, kandi itumanaho ryose ryo ku iposita rigenewe Umukiriya rizoherezwa na Banki kuri iyo aderesi. Umukiriya agomba kumenyesha Banki mu nyandiko impinduka zose zakozwe kuri iyo aderesi.
Banki ishobora gusaba ko ikirego cyose Umukiriya atanga ku bijyanye na Konti gitangwa mu nyandiko. Banki izakurikirana icyo kirego vuba bishoboka nyuma yo kukibona.
Amafaranga yose Umukiriya asabwa kwishyura Banki hakurikijwe aya Mabwiriza Rusange cyangwa ibindi, yishyurwa mu mafaranga ahita aboneka, nta kuyakuraho, kuyagabanya cyangwa kuyakata mu rwego rwo kwishyuza undi cyangwa ikindi kiguzi cy'Imisoro icyo ari cyo cyose, usibye igihe amategeko abisaba; muri icyo gihe Umukiriya azishyura Banki amafaranga y'inyongera igihe yishyura, kugira ngo Banki yakire amafaranga yose yari kuba yakiriye iyo atagabanyijwe.
(a) Konti izaba yitwa idakora igihe itakoreshejwe mu gihe runaka cyagenwe n'Amabwiriza Yihariye ya Konti cyangwa Banki yagena uko igihe kigenda; kandi (b) Banki ishobora (ariko atari ibyo gusa) gushyiraho kimwe cyangwa byinshi mu bikurikira kuri Konti yashyizwe mu zidakora: (i) kwemeza ukuri n'uburenganzira bw'igikorwa cya mbere cyongera gukoresha Konti; (ii) guhagarika gutanga inyungu (niba bishoboka); (iii) guhagarika gutanga imenyesha ry'imikoreshereze ya Konti; no (iv) gukata amafaranga yo kubungabunga Konti yagenwa na Banki uko igihe kigenda. (c) Konti, niba itakoreshejwe mu gihe cy'imyaka 5, izashyirwa mu bubiko bw'Ikigo gishinzwe Umutungo Utagira Nyirawo nk'umutungo utagira nyirawo hakurikijwe amategeko agenga Umutungo Utagira Nyirawo mu Bigo by'Imari (Nomero 40 ya 2011). Icyakora, mbere yaho Banki izagerageza mu buryo bukwiye kugushakisha no kukumenyesha.
Hakurikijwe amabwiriza y'ivunjisha (aho abigenga): (a) Banki ishobora gukoresha Konti mu Mafaranga y'Amahanga; (b) Banki ishobora, ku bwo gusabwa n'Umukiriya, kongera cyangwa kugabanya Konti mu mafaranga atari ayagenewe Konti, kandi ishobora guhindura amafaranga yakuwe cyangwa yongerewe ku kigero cy'ivunjisha gikoreshwa na Banki icyo gihe; no (c) Konti y'Amafaranga y'Amahanga ikoreshwa n'Umukiriya ku nshingano ze, harimo ariko atagarukiye gusa ku ngaruka z'ingamba z'amategeko, iz'imisoro cyangwa izindi zigira ingaruka kuri Konti y'Amafaranga y'Amahanga.
Banki ishobora, uko ibishaka, kwakira amafaranga mu mafaranga yihariye yatanzwe n'Umukiriya ngo ashyirwe mu Konti yo kubitsa itanga inyungu igihe runaka cyagenwe. Amabwiriza Yihariye Banki yashyiraho ku bijyanye n'izo Konti azakurikizwa, kandi nihagira itandukaniro hagati y'aya Mabwiriza Rusange n'ayo Mabwiriza Yihariye, Amabwiriza Yihariye ni yo azakurikizwa.
(a) Aho Konti Ihuriweho ikoreshwa hakurikijwe Uburenganzira bwashyizweho nka ‘Umwe muri bombi cyangwa Usigaye’, buri Mukiriya wo muri Konti Ihuriweho yemerewe gukoresha Konti Ihuriweho wenyine, kandi bifatwa ko amabwiriza yatanzwe n’umwe mu Bakiriya ku Konti Ihuriweho ku bijyanye na Konti Ihuriweho yemejwe n’abandi Bakiriya bo muri Konti Ihuriweho; (b) Aho Konti Ihuriweho ikoreshwa hakurikijwe Uburenganzira bwashyizweho nka ‘Hamwe’, buri Mukiriya wo muri Konti Ihuriweho yemerewe gukoresha Konti Ihuriweho gusa hamwe n’abandi Bakiriya bose bo muri Konti Ihuriweho (cyangwa nk’uko byagaragajwe mu Burenganzira). Banki ntizabazwa gutsindwa kubahiriza cyangwa gutinda kwemera amabwiriza atatanzwe n’Abakiriya bose bo muri Konti Ihuriweho; (c) Mu gihe Umukiriya wo muri Konti Ihuriweho atanze amabwiriza yivuguruzanya cyangwa agaragara nk’ayivuguruzanya n’ayatanzwe n’undi Mukiriya cyangwa abandi bo muri Konti Ihuriweho, Banki ishobora kwanga gukurikiza ayo mabwiriza kugeza igihe ikibazo gikemuwe ku buryo Banki yishimiye wenyine; kandi (d) buri Mukiriya wo muri Konti Ihuriweho azaba afite inshingano zihuriweho kandi zitandukanye zo kwishyura Umwenda wose ujyanye na Konti Ihuriweho.
(a) Ikayi (Chequebook) itangwa na Banki ku Mukiriya ku bushake bwayo bwonyine, hakurikijwe Amabwiriza n'Amategeko y'Ikayi ashyizwe muri iyi paragarafu no ku rupapuro rw'imbere rw'ikayi; (b) Banki ishobora kwishyuza amafaranga y'ikiguzi cyo gutanga ikayi n'andi makayi yose yiyongereye yatanzwe ku Mukiriya; (c) Banki ishobora kwanga kwishyura Mukiriya cyangwa undi muntu wese wa gatatu ku cheque itanditswe nk'uko biteganywa n'Amabwiriza n'Amategeko y'Ikayi ashyizwe hasi: (i) Mukiriya agomba kwandika, gushyiraho itariki no gushyiraho umukono kuri Cheque mu nyandiko isomeka neza akoresheje wino isobanutse (by'umwihariko ubururu cyangwa umukara) mu faranga rya Konti, ku mafaranga atarenze Amafaranga Ahari; (ii) igihe Mukiriya atanga Cheque: (a) amafaranga agomba kugaragazwa mu magambo no mu mibare mu buryo butuma hatagira ijambo cyangwa umubare undi wongerwamo, kandi/cyangwa hakabuzwa impinduka z'uburiganya; (b) Cheque igomba gushyirwaho umukono n'Umukono Wemewe hakurikijwe amabwiriza ya Mandat; (c) impinduka iyo ari yo yose ku Cheque igomba kwemezwa n'Umukono Wemewe hakurikijwe amabwiriza ya Mandat; (d) gukuraho umurongo wo kuyikumira (un-crossing) bigomba gukorwa n'Umukono Wemewe hakurikijwe amabwiriza ya Mandat; (e) nta Cheque itarujujwe neza igomba guhabwa umuntu uwo ari we wese; kandi (f) Cheque zose zitarujujwe zibikwa neza igihe cyose. (iii) Mukiriya agomba kubara umubare wa Cheque ziri mu ikayi igihe ahawe ikayi ndetse no mu gihe cyose akoresha ikayi. Niba hari Cheque ibuze cyangwa itakaye, Mukiriya agomba guhita abimenyesha Banki; (a) Banki ishobora kwanga kubahiriza Cheque igihe itariki yayo irenze amezi atandatu (6) cyangwa igihe itariki iri mu gihe kizaza (cheque zishyizweho itariki y'ejo hazaza); (b) igihe Mukiriya ashaka ko Banki ihagarika kwishyura Cheque, agomba guhita asaba Banki mu nyandiko kubikora. Banki imaze kwakira inyandiko ya Mukiriya isaba guhagarika kwishyura Cheque, izandika icyo cyifuzo kandi ihagarike kwishyura, hashingiwe ku kuba icyo cyifuzo cyakiriwe mbere y'uko igikorwa cyifuzwa guhagarikwa kiba cyarabaye. Banki yigumanira uburenganzira bwo kwishyuza amafaranga y'ubuyobozi yo guhagarika kwishyura Cheque; (c) Banki nta nshingano na imwe izaba ifite ku Mukiriya mu buryo bwose, kandi Mukiriya azishyura Banki yose ku ngaruka z'ibirego by'umuntu wa gatatu igihe Banki yishyuye Cheque mu izina rya Mukiriya, igihe Cheque ifatwa nk'iyatanzwe na Mukiriya ariko umukono cyangwa ibiri muri Cheque na/cyangwa amabwiriza yanditse byariganijwe, mu gihe: (i) Mukiriya yaba yaroroheje ibyo guhimbwa; cyangwa (ii) habayeho guhimbwa kwa mbere kwa Cheque ya Mukiriya cyangwa inyandiko y'amabwiriza ye hatabayeho ko Mukiriya abanza kubyanga; (a) Banki ikora gusa nk'umuhagarariye Mukiriya mu gukusanya amafaranga, kandi niba Cheque ya Mukiriya cyangwa indi nyandiko yose y'umuntu wa gatatu itakaye cyangwa yibwe igihe iri mu bubiko bwa Banki, Banki nta nshingano izaba ifite ku gihombo cyose cy'inyungu cyangwa amahirwe yatakaje Mukiriya cyangwa undi muntu wese kandi/cyangwa ku mafaranga yatanzwe na Mukiriya cyangwa undi muntu wese mu guhagarika kwishyurwa kwayo, n'iyo Banki yaba yarakoze uburangare.
Banki ishobora igihe icyo ari cyo cyose, ku bushake bwayo bwonyine, kwanga kwakira amabwiriza yose ajyanye na Konti, igihe na igihe cyose: (a) hari impaka hagati y'Umukiriya na Banki; cyangwa (b) Banki ifite impamvu yo gukeka ko hari uburiganya bwakozwe cyangwa bushobora gukorwa; cyangwa (c) Konti irimo gukoreshwa cyangwa ishobora gukoreshwa n'Umukiriya mu bikorwa binyuranyije n'amategeko; cyangwa (d) Banki ifite impamvu iyo ari yo yose yo gushidikanya ko Umukiriya atari we wemerewe gukoresha Konti, cyangwa ko hari impaka ku byerekeye Amasezerano yo Guhagararira; cyangwa (e) Banki itegetswe n'amategeko kubikora.
(a) Umukiriya ashobora, abanje kumenyesha Banki mu nyandiko iminsi mirongo itatu (30) mbere, cyangwa mu rundi rwandiko Banki ibona ko rukwiye, gufunga Konti hakurikijwe kwishyura imyenda yose; (b) Banki ishobora igihe icyo ari cyo cyose, itanze integuza y'iminsi 30 ku Mukiriya, guhagarika cyangwa guhindura umubano wayo w'ubucuruzi n'Umukiriya, kandi/cyangwa gufunga Konti, ndetse ishobora gusaba Umukiriya kwishyura imyenda yose iterwa n'icyo cyemezo, ihindurwa, na/cyangwa gufunga; kandi (c) Banki nihagarika cyangwa ihindura umubano wayo n'Umukiriya, kandi/cyangwa igafunga Konti, ni inshingano y'Umukiriya wenyine kumenyesha abandi bantu bose ibijyanye n'icyo guhagarika, guhindura, na/cyangwa gufunga.
Ibikorwa byose hagati ya Banki n'Umukiriya, byaba ibyo ari byo byose, bifatwa kandi bigatekerezwa na Banki mu buryo bwose nk'konti imwe yuzuye kandi itagabanyijwe, kandi Banki ishobora: (a) idatanze integuza, gukoresha amafaranga yose ari mu kiringo cy'inguzanyo kuri Konti (yaba iya buri munsi, iy'inguzanyo, iy'ibitsa, iy'igihe runaka cyangwa ubundi bwoko bwa konti cyangwa iya undi muntu Umukiriya yemeye kuba umwishingizi we) kugira ngo yishyure umwenda wose Banki ibereyemo Umukiriya cyangwa undi muntu Umukiriya yemeye kuba umwishingizi cyangwa umwishyuzi we. Uburenganzira bwo Guhuza Imyenda ni inyongera ku bundi burenganzira Banki ifite bwo kwishyuza, kandi ntibugabanya cyangwa ngo bugire ingaruka ku bundi burenganzira bwayo bwo kwishyuza; (b) ihindure, ku giciro cy'ivunjisha gikoreshwa na Banki icyo gihe, amafaranga yose ifite mu mafaranga y'amahanga afitiwe uburenganzira bw'ingwate (lien) ya Banki, hanyuma ikoreshe uburenganzira bwayo bwo Guhuza Imyenda. Banki ntiyemera inshingano z'igihombo icyo ari cyo cyose giterwa n'ihindurwa ry'ifaranga; kandi (c) ivunje igihe cyagenwe (harimo ibibitswe mu mafaranga y'amahanga kandi/cyangwa mu gihe runaka) kandi ikoreshe uburenganzira bwayo bwo Guhuza Imyenda ku mwenda, nubwo igihe cy'ibitsa kitararangira cyangwa inyungu zitarabarwa.
Banki ishobora, ku bushake bwayo bwose kandi busesuye, nyuma yo gusabwa neza n'Umukiriya kandi hakurikijwe Amabwiriza Rusange n'Amategeko n'Amabwiriza Yihariye yerekeye Konti, gufungurira Umukiriya Konti. Banki ntizafungurira Konti Umukiriya uri ku rutonde rw'abirabura (blacklist) rwaba urwo mu gihugu cyangwa urw'amahanga rwashyizweho, rwakwirakwijwe cyangwa ruboneka ku Banki uko bukeye n'uko bukeye.
(a) Igihe habaye Umwenda, Banki igira uburenganzira bwo gufata ku buryo rusange umutungo wose w'Umukiriya uri mu bubiko bwa Banki, harimo ariko atagarukiye gusa ku mafaranga, ibicuruzwa, impapuro z'agaciro cyangwa ibintu by'agaciro Banki ifite, sheki zashyikirijwe kwishyurwa, inyemezabwishyu n'indi mitungo yose (igendanwa cyangwa idashobora kwimurwa) Umukiriya yahesheje Banki ingwate mu buryo ubwo ari bwo bwose kugira ngo yishyurwe Umwenda; na (b) Banki ishobora igihe icyo ari cyo cyose kumenyesha Umukiriya mu nyandiko ko Umwenda utishyuwe Banki mu gihe cyagenwe, Banki ishobora, nta yindi nteguza ihawe Umukiriya, gukoresha uburenganzira bwayo n'ingamba zayo zose zishingiye ku ngwate iyo ari yo yose kugira ngo yishyure Umwenda.
(a) Umukiriya ntagomba gukura amafaranga kuri Konti ngo asigare munsi y'igipimo ntarengwa cyagenwe cya Konti (cyangwa ngo arenze imipaka y'inguzanyo ya sakoshi yemejwe na Banki ku Konti) nta cyemezo cyanditse cya mbere cya Banki. Banki ifite uburenganzira bwo, ku bushake bwayo bwose kandi bwuzuye, kwanga kwishyura sheki, kwishyura no/cyangwa kwemerera kubikuza igihe byatuma Konti isigara munsi y'igipimo ntarengwa cyayo cyangwa imipaka ya sakoshi igarukira ikarengerwa; na (b) Konti igihe yakuwemo amafaranga asigara munsi y'igipimo ntarengwa cyayo cyangwa imipaka yemejwe ya sakoshi igacikamo, nta cyemezo cyanditse cya mbere cya Banki, Umukiriya agomba (harimo ariko atagarukiye gusa ku) kwishyura amafaranga y'ibihembo Banki igena, ndetse no kwishyura inyungu z'inyongera ku mafaranga yakuwe agasigara munsi y'igipimo ntarengwa cyangwa ku mafaranga arenze imipaka yemejwe ya sakoshi (muri iyi paragarafu byitwa hamwe "amafaranga asigaye") ku gipimo cyangwa ibipimo n'uburyo bwo kubara no kongerera inyungu ku nyungu byemezwa na Banki ku bushake bwayo bwose kandi bwuzuye, kugeza igihe amafaranga asigaye yishyuriwe yose. Banki kandi ifite uburenganzira bwo gusaba Umukiriya kwishyura ako kanya amafaranga yose asigaye hamwe n'inyungu zose zayavuyemo n'andi mafaranga yose, ibihembo n'ibiciro byose bivuye ku byo.
Umukiriya amaze gusaba mu buryo bukwiye, Banki ishobora, ku bushake bwayo bwose kandi bwuzuye, guha Umukiriya inguzanyo mu buryo n'ku mabwiriza n'amasezerano Banki ibona ko akwiriye. Banki ifite uburenganzira bwo gukuraho kuri Konti inyungu zose, komisiyo, ibiciro, ibiciro by'ibindi bikorwa n'andi mafaranga yose (harimo ibihembo bya banki n'ibya gisheria) yatewe no gutanga izo nguzanyo.
(a) Inyungu izishyurwa gusa ku mafaranga asigaye mu Konti ifite inyungu. Inyungu izabarwa ku gipimo Banki ishobora kugena no guhindura igihe cyose hashingiwe ku Itegeko ryerekeye Banki (Ivugururwa) ryo mu 2016 nk'uko ryavugururwa igihe cyose; (b) inyungu izishyurwa kandi yandikwe kuri Konti mu buryo bwagaragajwe mu Mategeko n'Amabwiriza by'Umwihariko ya Konti; no (c) inyungu izabarwa hatabariwemo imisoro, kandi imisoro yose Banki isabwa kwishyura izakurwa kuri Konti.
(a) Banki ifite uburenganzira bwo gukuraho amafaranga yose yashyizwe kuri Konti mu buryo bw'amakosa no/cyangwa gusubiza ku gaciro inyandiko yose yakozwe ku Konti mu buryo bw'amakosa, nta nteguza ibanje guhabwa Umukiriya. Banki nta nshingano ifite ku ngaruka z'ibyo bikorwa byo gukuraho no/cyangwa gusubiza. Amafaranga yose Banki yashyize kuri Konti mu buryo bw'amakosa kandi Umukiriya yakoresheje agomba gusubizwa Banki hamwe n'inyungu zose zabazwe kuri ayo mafaranga, mu masaha makumyabiri n'ane (24) uhereye igihe Banki imusabiye kuyasubiza; kandi (b) ibyemezo byo kwishyura, ibikorwa byo guhindura ifaranga n'ibicuruzwa n'ibigurwa by'impapuro z'agaciro mu Rwanda cyangwa ahandi, Banki ikorera ku bw'Umukiriya, bizakorwa ku kiguzi cy'Umukiriya ubwe. Nta Banki cyangwa umwe mu bayihagarariye cyangwa mu bakozi bayo uzabazwa ibyangiritse byose, cyangwa ibipfuye byose (harimo ariko ntibigarukiye ku nsinga, indege, serivisi z'ubutumwa, imeri, sisitemu za telex cyangwa fax), uko byaba byarabaye kose.
Banki ishobora kwemerera Umukiriya gukora ibikurwa cyangwa ibikorwa by'ikora ryikora (nk'Ibikurwa ku Buryo Butaziguye cyangwa Amabwiriza Ahoraho) kuri Konti, keretse Amategeko n'Amabwiriza by'Umwihariko ya Konti avuga ibitandukanye. Ibyo bikorwa byose bizakorwa ku bushake bwa Banki, kandi Banki ifite uburenganzira bwo kutakora amabwiriza yose ajyanye no Gukuraho Ku Buryo Butaziguye cyangwa Amabwiriza Ahoraho igihe nta Mafaranga ahagije ahari ku Kigero Gihari.
(a) Banki izajya itanga Umukiriya raporo y'konti ku buryo buhoraho, irimo ibikorwa byose byakozwe kuri konti. Banki kandi ishobora (ku busabe bwanditse bw'Umukiriya no ku kwishyura amafaranga asabwa) gutanga izindi raporo imwe cyangwa nyinshi, cyangwa gutanga raporo ku bihe Umukiriya na Banki bemeranyijweho; (b) ibirimo raporo yose Banki yatanze ku Mukiriya, Umukiriya atarigeze agaragaza ko atabyemera mu minsi mirongo itatu n'umunani (28) yakiriyeho, bizafatwa nk'ibyemewe n'Umukiriya kandi, mu gihe nta kosa rigaragara, bizaba ari ibimenyetso bifatika by'ibikorwa byose byakozwe kuri konti, kandi ntibizashobora guhakanwa n'Umukiriya ku mpamvu iyo ari yo yose; na (c) ku mpamvu zose, harimo imanza zose z'amategeko, icyemezo cyasinywe n'umuyobozi uwo ari we wese, umuyobozi ushinzwe ibikorwa cyangwa umukono wemewe wa Banki ku kintu cyose gifitanye isano na konti na/cyangwa Umwenda uwo ari wo wose, mu gihe nta kosa rigaragara, kizaba ari ikimenyetso gifatika kirwanya Umukiriya ku bijyanye n'icyo kintu na/cyangwa uwo mwenda.
Banki ifite uburenganzira bwo guhabwa amafaranga n'Umukiriya kandi yemerewe gukuraho kuri konti ya Umukiriya: (a) ibiciro byose Banki yagize mu gusesa cyangwa mu kugerageza gusesa cheque cyangwa ubundi bwishyu bugomba kwinjizwa kuri konti ya Umukiriya; (b) inyungu (harimo inyungu z'ubukererwe n'izindi nyongera, niba zihari) ku konti yarenze amafaranga ihari, ku nguzanyo cyangwa ku yindi nkunga y'inguzanyo Banki yahaye Umukiriya, ku gipimo cy'inyungu ku mwaka kandi zibarwa uko Banki ibyiyemeza ku bwigenge bwayo (hakurikijwe imipaka yemewe n'amategeko). Icyakora, Umukiriya azamenyeshwa mbere iminsi mirongo itatu (30) mbere y'uko igipimo cy'inyungu gihinduka; (c) amafaranga y'abavoka cyangwa ay'impuguke z'umwuga, aho akwiye, yishyuzwa ku buryo bw'umukiriya n'umunyamategeko, yatanzwe na Banki mu kubona inama z'amategeko cyangwa z'umwuga zijyanye na konti, mu gutegura inyandiko zose zijyanye n'inguzanyo z'Umukiriya na/cyangwa ibikorwa byose Umukiriya yagiranye na Banki; (d) amafaranga yo gutunganya, amafaranga yo kwiyemeza, amafaranga y'ikigo n'andi, ku bipimo, ku bihe no mu buryo Banki ishobora kugena uko bukurikira; na (e) andi mafaranga yose n'ibiciro byose byashyizweho na
Igihe Banki yakira amabwiriza menshi y'Umukiriya yo gukura no/cyangwa kwishyura amafaranga kuri konti hafi icyarimwe, ku buryo amafaranga yose yifuzwa gukurwa no/cyangwa kwishyurwa arenze Amafaranga Ahari, Banki ishobora, ku bwigenge bwayo busesuye, kubahiriza muri ayo mabwiriza uko ibona ko bikwiye mu buryo cyangwa mu rutonde ruyibereye.
(a) bitewe n'imipaka y'ibyo umukiriya ashobora kubikuza buri munsi (niba ihari), amafaranga ahagije ari ku Mafaranga Ashoboka (Available Balance) n'Amabwiriza Yihariye y'Konti, umukiriya ashobora kubikuza no/cyangwa kwishyura avuye kuri Konti; na (b) umukiriya ntiyemerewe gukoresha amafaranga atarishyuzwa ku nyandiko y'ubwishyu (cheque) cyangwa ubundi buryo bwo kwishyura butarasohoka neza, kandi Banki nta nshingano ifite yo kwishyura ku nyandiko cyangwa ubundi buryo bwo kwishyura butarasohoka neza.
(a) “Konti” bivuga ubwoko bwose bw’konti ifitwe n’Umukiriya muri Banki (harimo ariko atagarukiwe gusa) konti iyo ari yo yose ijyanye n’inguzanyo, ububiko, amasezerano, serivisi, igicuruzwa, ubucuruzi cyangwa serivisi bishyirwaho bigakorwa hagati ya Banki n’Umukiriya; (b) “Amafaranga Ahari” bivuga amafaranga ari kuri Konti Umukiriya ashobora kubikuza nta nzitizi iyo ari yo yose ituruka kuri Banki (ayo mafaranga afatiriwe arimo ariko atagarukiwe gusa ku nguzanyo zitemejwe, amafaranga yinjiye kuri Konti mu buryo bw’amakosa cyangwa amafaranga Banki ifite uburenganzira bwo guhagarika kugira ngo yishyure umwenda); (c) “Urupapuro rwo Gusaba” bivuga urupapuro rwa Banki Umukiriya yuzuza rujyanye no gushyiraho no gukoresha Konti; (d) “Uwemerewe Gusinya” bivuga Umukiriya n’cyangwa umuntu uwo ari we wese wemerewe mu nyandiko n’Umukiriya kubwa Banki gukoresha Konti mu izina ry’Umukiriya; (e) “Banki” bivuga I&M Bank Limited; (f) “Amashami ya Banki” bivuga (harimo icyicaro gikuru cyemewe cya Banki) ahantu hose haba mu Rwanda cyangwa hanze y’u Rwanda ubucuruzi bwa Banki bukorerwa; (g) “Umunsi w’Akazi” bivuga umunsi wose Banki ifungura ku bwoko bwose bwa serivisi z’imari (usibye iminsi mikuru ya Leta n’indi minsi mikuru rusange) nk’uko Banki ishobora kubigena igihe cyose; (h) “Amasaha yo Gukorera” bivuga amasaha Banki isanzwe ifunguye ku bwoko bwose bw’ubucuruzi nk’uko Banki ishobora kubigena ku ishami rya buri Banki igihe cyose; (i) “Ibiciro bya Banki” bivuga (harimo ariko atagarukiwe gusa) urutonde rw’amafaranga y’ubukode n’amafaranga y’ikiguzi Banki yishyuza ku bijyanye na Konti; (j) “Cheque” bivuga impapuro za cheque Banki itanga ku Mukiriya zikaba igice cy’igitabo cya cheque; (k) “Igitabo cya Cheque” bivuga cheque zifite nimero zikurikirana zihuriye hamwe Banki itanga ku Mukiriya; (l) “Amabwiriza n’Ibisabwa bya Cheque” bivuga Amabwiriza n’Ibisabwa byihariye bijyanye no gukoresha cheque n’igitabo cya cheque n’Umukiriya; (m) “Umukiriya” bivuga umufite Konti; (n) “Umwenda” bivuga amafaranga yose, inshingano n’ibibazo byose, byaba ari ingwate y’umwenda w’ibanze, inyungu cyangwa ibindi, mu Mafaranga y’u Rwanda cyangwa mu mafaranga y’amahanga, Umukiriya agomba cyangwa azagomba kwishyura Banki, byaba ibiriho cyangwa ibizaza, ibyemewe cyangwa ibishobora kuba; (o) “Amafaranga y’Amahanga” bivuga ifaranga ryose uretse Amafaranga y’u Rwanda; (p) “Amafaranga y’u Rwanda” bivuga ifaranga ryemewe rya Repubulika y’u Rwanda; (q) “Uburyo bwo Gukoresha” bivuga uburyo Konti ikoreshwamo nk’uko Umukiriya yabigaragaje mu Rupapuro rwo Gusaba; (r) “Ingwate” bivuga (harimo ariko atagarukiwe gusa) amasezerano yose, ingwate y’inzu cyangwa ubutaka (mortgage), ingwate y’ibintu (charge), igihango (pledge), ikirango cyo gufata (lien), ingwate yo kwishyura (guarantee), indishyi (indemnity), inguzanyo ihamye (debenture) n’izindi ngwate zose zirinda mu buryo bwuzuye cyangwa igice cy’Umwenda wose Umukiriya afitiye Banki; (s) “Amabwiriza n’Ibisabwa Byihariye” bivuga amabwiriza n’ibisabwa byihariye bijyanye n’ubwoko runaka bwa Konti; na (t) “Imisoro” bivuga imisoro yose, amahoro, amahoro y’forodha, ibiciro, imisoro ikurwa ku mafaranga (withholding) harimo, ariko atagarukiwe gusa, imisoro ingana (compensating tax), umusoro wo muri izuba (drought levy), umusoro ku nyongeragaciro (VAT), imisoro y’ibyapa (stamp duties), amafaranga y’serivisi, amafaranga y’Ikigega cy’Igihugu cy’Ubwishingizi bw’Imibereho Myiza (National Social Security) cyangwa ubwishingizi bw’Ibitaro (Hospital Insurance Fund) hamwe n’ibihano, ibiciro n’inyungu byose bijyanye na kimwe muri byo.
Amategeko n'Amabwiriza y'Ikarita y'Umwenda ya I&M Bank
Umukoresha w'Ikarita ashobora guhagarika gukoresha Ikarita na serivisi z'ikarita yo kubikuza (debit card) zitangwa na Banki igihe icyo ari cyo cyose, abimenyesha Banki mu nyandiko, akanagarura Ikarita yaciwemo ibice bibiri. Umukoresha w'Ikarita (ndetse n'abafatanyije konti bose ku buryo bwa rusange n'ukwabo, iyo Ikarita yatanzwe ku konti ihuriweho) ni we uzabazwa Ibikorwa byose yakoze na/cyangwa amafaranga yishyuzwa kugeza igihe Banki yemeje mu nyandiko ko yakiriye itangazo ryo guhagarika. Banki ifite uburenganzira bwo guhagarika serivisi z'ikarita yo kubikuza igihe icyo ari cyo cyose ihagaritse Ikarita, itabanje gutanga impamvu iyo ari yo yose, ariko igatanga integuza y'iminsi 7. Iyo integuza izoherezwa ku ntambwe imwe muri ebyiri: yandikwe ikoherezwa ku ngerero y'Umukoresha w'Ikarita iheruka kumenyeshwa Banki mu nyandiko, cyangwa ikoherezwa ku butumwa bwa elegitoroniki (email) bw'Umukoresha w'Ikarita nk'uko bwanditswe mu Ifishi yo Gusaba. Integuza izaba yafashwe ko yageze ku Mukoresha w'Ikarita iminsi 7 nyuma y'itariki yoherejweho ku posita, cyangwa iminsi 7 nyuma y'itariki yoherejweho email, bitewe n'uko byagenze. Iyo guhagarika bikozwe ku busabe bw'Umukoresha w'Ikarita cyangwa na Banki, Banki ntiba ifite inshingano yo gusubiza amafaranga yose Umukoresha w'Ikarita (ndetse n'umufatanyabikorwa wese wo ku konti ihuriweho, iyo Ikarita yatanzwe ku konti ihuriweho), yaba ayerekeye amafaranga y'avansi yishyuwe mbere cyangwa ayandi.
Ikarita yahawe Umukoresha w'Ikarita ikomeza kuba umutungo wa Banki, kandi igomba gusubizwa Banki igihe cyose ibisabwe. Umukoresha w'Ikarita agomba gusubiza Ikarita muri Banki kugira ngo ihagarikwe igihe yifuza kutongera gukoresha Ikarita, cyangwa igihe Banki yavanyeho serivisi ku mpamvu iyo ari yo yose. Umukoresha w'Ikarita ntagomba gukoresha cyangwa kugerageza gukoresha Ikarita nyuma yo kumenyeshwa ko yahagaritswe cyangwa ivanyweho. Banki imaze kwakira ubusabe bwanditse bwo gusimbura Ikarita yangiritse cyangwa yatakaye, nyuma yo kugenzura neza, ishobora gutanga indi Ikarita isimbura kandi igakuraho ku konti igiciro cy'isimburwa gikwiye gihari igihe icyo ari cyo cyose.
Umukoresha w'Ikarita agomba: (a) kutamenyesha PIN umuntu uwo ari we wese, harimo ariko ntaho bigarukira, undi Mukoresha w'Ikarita, umuryango cyangwa inshuti; (b) gufata ingamba zo gukumira ko undi muntu yabona PIN ishyirwa mu ATM cyangwa mu Gikoresho cya POS; (c) kutandika cyangwa kugaragaza PIN ku Ikarita cyangwa ahandi, n'iyo yaba yahinduwe; kandi (d) kuyibika mu mutwe no gusiba inyandiko yose yayo.
Kugira ngo Umukoresha w'Ikarita ashobore gukoresha Ikarita, hazatangwa PIN ku Mukoresha w'Ikarita. PIN izoherezwa binyuze mu iposita kandi/cyangwa igezwe ku Mukoresha w'Ikarita ku giti cye, nyuma yo kumumenya, kandi Umukoresha w'Ikarita agomba kwemeza ko yakiriwe mu ibahasha ifunze. Iyi PIN ishobora guhindurwa nyuma n'Umukoresha w'Ikarita ku mpamvu ze bwite, ku mashini ya ATM iyo ari yo yose itanga iyi serivisi. Umutekano wa PIN ni ingenzi kandi ugomba kubungabungwa n'Umukoresha w'Ikarita igihe cyose. Umukoresha w'Ikarita (ndetse no mu gihe Ikarita yatanzwe ku Konti ihuriweho, abafite iyo Konti bose hamwe kandi buri wese ku giti cye) bashobora kuryozwa gukoresha Ikarita nta burenganzira, kandi amabwiriza yose atangwa binyuze ku Ikarita na PIN, yaba hamwe cyangwa ukwayo, Banki ishobora kuyafata nk'amabwiriza yatanzwe n'Umukoresha w'Ikarita, uko Banki ibyibonamo yonyine kandi itagabanijwe. Umukoresha w'Ikarita agomba kwemeza ko adatangaza PIN ye ku muntu wa gatatu, kandi agafata ingamba zihagije zo kwirinda ko undi muntu abona PIN ye igihe ayinjiza ku mashini ya ATM cyangwa ku Ikoranabuhanga ryo Kwishyura (POS Terminal). Umukoresha w'Ikarita asabwa kwibuka PIN ye hanyuma agasiba inyandiko iyo ari yo yose iyigaragaza.
Ku buri Mukoresha w'Ikarita, Banki ifite uburenganzira bwuzuye, ku mpamvu zayo bwite kandi itagabanijwe, bwo gukuramo no kwishyuza kuri Konti amafaranga n'ibiciro byose ishobora kumumenyesha igihe cyose, harimo ariko atagarukiye gusa ku mafaranga y'ibanze yo gutanga Ikarita, amafaranga yo kuvugurura na/cyangwa gusimbuza Ikarita, amafaranga ya serivisi yagenwe na Banki igihe cyose ku gukoresha Ikarita, n'igiciro cyo gukora ibikorwa byose Banki ishobora kugena igihe cyose. Nubwo Banki yaba itamenyesheje Umukoresha w'Ikarita, ibyo ntibibuza na gato Banki kwishyuza ayo mafaranga n'ibiciro ku Mukoresha w'Ikarita (ndetse no mu gihe Ikarita yatanzwe ku Konti ihuriweho, umwe mu bafite iyo Konti ihuriweho). Iyo Ikarita ikoreshejwe ku mashini za ATM z'Abafatanyabikorwa ba Banki bahuriye ku Murongo Umwe, hashobora kwishyurwa amafaranga ya serivisi n'umukozi ukora ku mashini na/cyangwa umuyoboro w'ikoranabuhanga wikora mu kohereza amafaranga, mu gihe hakorwa ibikorwa.
Umukoresha wa Kaduka agomba kwitonda no kwita ku buryo bwose bukwiye kugira ngo arinde umutekano wa Kaduka n'ibanga rya PIN igihe cyose, kandi yirinde ko Kaduka cyangwa PIN itakara cyangwa ikoreshwa n'undi muntu wese utemerewe. Ni yo mpamvu Umukoresha wa Kaduka ntagomba na rimwe, mu bihe ibyo ari byo byose, gutangariza undi muntu PIN ye. Iyo Kaduka itakaye cyangwa yibwe, cyangwa iyo PIN imenyekanishijwe ku muntu udafite uburenganzira, Umukoresha wa Kaduka agomba guhita amenyesha Banki ibyo gutakaza, kwibwa cyangwa kumenyekanisha. Icyo gisubizo cyatanzwe mu magambo kigomba guhita kwemezwa mu nyandiko. Umukoresha wa Kaduka (kandi, ku Kaduka yatanzwe ku Konti ihuriweho, abafite iyo Konti bose hamwe kandi buri wese ku giti cye) ni we uzabazwa ibikorwa byose byakozwe mbere y'uko Banki yakira mu nyandiko itangazo ryo gutakaza, kwibwa cyangwa kumenyekanisha kwa Kaduka cyangwa PIN (uko byagenda kose).
(a) Ikarita ishobora gukoreshwa mu iduka ryose ryemewe n'umucuruzi (Merchant Establishment). Ikarita ikoreshwa mu buryo bw'ikoranabuhanga gusa. (b) Iyo ikarita imaze kwemezwa no kwemerwa, igikorwa cy'ubucuruzi (Transaction) kiba cyarangiye, kandi icapiro ry'icyo gikorwa ryakorewe kuri POS Terminal rigomba gutangwa kugira ngo Umukoresha w'Ikarita (Card Holder) arisinyeho. (c) Umukoresha w'Ikarita ananirizwa kandi kugenzura amakuru y'igikorwa cy'ubucuruzi mbere yo gufata ibicuruzwa yaguze na/cyangwa serivisi yahawe no kuva ku kabari k'umucuruzi (Merchant Establishment). (d) Iyo ikarita imaze gusomwa no kwemezwa, igikorwa kikaba cyemewe, konti (Account) izakurwaho amafaranga yose y'igikorwa ako kanya. (e) Banki ntizemera inshingano ku masezerano cyangwa ibiganiro umukoresha w'ikarita yaba afitanye n'umucuruzi (Merchant Establishment), harimo ariko ntibigarukiye gusa ku bwoko cyangwa ubuziranenge bw'ibicuruzwa byatanzwe na/cyangwa serivisi zatanzwe, cyangwa ku isezerano cyangwa ingwate yose itanzwe n'umucuruzi. Niba umukoresha w'ikarita afite ikirego kijyanye n'umucuruzi uwo ari we wese ku bijyanye n'ubushobozi bwo kugurishwa cyangwa ubuziranenge bw'ibicuruzwa byatanzwe na/cyangwa serivisi zatanzwe, icyo kirego kigomba gukemurwa n'umukoresha w'ikarita ubwe hagati ye n'umucuruzi. Ariko kutabikora ntibikuraho inshingano z'umukoresha w'ikarita (kandi ku ikarita yatanzwe ku konti ihuriweho, abafite konti bose hamwe ndetse n'umuntu ku giti cye) ku bijyanye na Banki. Umukoresha w'ikarita ananirizwa kandi kumenyesha Banki ako kanya ibibazo, ibirego cyangwa ibitumvikanyweho byose n'umucuruzi (Merchant Establishment). (f) Banki ntiyemera inshingano ku mafaranga y'inyongera (surcharge) yakuweho n'umucuruzi uwo ari we wese (Merchant Establishment). (g) Iyo umukoresha w'ikarita ashaka gusubiza inyuma igikorwa cy'ubucuruzi cyarangiye kubera ikosa cyangwa kubera ko yasubije ibicuruzwa ku mucuruzi (Merchant Establishment), inyemezabwishyu y'ibanze yatanzwe n'umucuruzi igomba guhagarikwa n'umucuruzi, kandi kopi y'iyo nyemezabwishyu yahagaritswe igomba kubikwa n'umukoresha w'ikarita. Gusubiza amafaranga cyangwa kugarura amafaranga yakuweho kubera ibikorwa nk'ibyo bizakorwa mu buryo bw'intoki kandi bizakorwa na Banki gusa igihe Banki imaze kwakira: (i) amafaranga asubizwa yemewe avuye ku mucuruzi (Merchant Establishment), yaba mu buryo butaziguye cyangwa binyuze mu nzira yo kwishyurwa ya Shared Network Partner ireba; na (ii) inyemezabwishyu yahagaritswe itanzwe n'umukoresha w'ikarita. (h) Iyo umukoresha w'ikarita, cyangwa undi muntu wemerewe gukoresha ikarita, atanze uburenganzira bwo gukora igikorwa, ari bwo bwose burimo ariko butagarukiye gusa ku nyemezabwishyu yasinywe, urupapuro rw'ubwiyandikishe cyangwa amabwiriza yatanzwe kuri telefone, cyangwa atanga nimero y'ikarita kugira ngo agure cyangwa afate amafaranga y'inguzanyo atabanje kwerekana ikarita (nko ku gutumiza ku iposita, ku gutumiza kuri telefone cyangwa ku murongo wa interineti), ingaruka zemewe mu mategeko zizaba zimwe n'iz'uko ikarita yakoreshejwe n'umukoresha w'ikarita kandi inyemezabwishyu y'igurisha cyangwa indi nyandiko cyangwa inyemezabwishyu y'inguzanyo yasinywe n'umukoresha w'ikarita. Banki izakuraho konti y'ikarita amafaranga yose y'ibikorwa byose by'ikarita kandi umukoresha w'ikarita azaba ashinzwe kwishyura Banki ayo mafaranga yose yakuweho, yaba iyo nyandiko cyangwa indi nyandiko itarasinywe n'umukoresha w'ikarita cyangwa ataribyo, kandi atitaye ku burenganzira cyangwa inshingano iyo ari yo yose hagati y'umucuruzi (Merchant Establishment) n'umukoresha w'ikarita.
(a) Ikarita ishobora gukoreshwa kuri buri ATM mu bikorwa bikurikira: (i) gukuramo amafaranga mu Konti, bigakorwa ako kanya; (ii) kwinjiza amafaranga mu Konti hifashishijwe kubitsa amafaranga cyangwa cheque, aho kwinjiza amafaranga bikorwa ku munsi w'akazi ukurikiraho (ku bitsa amafaranga) cyangwa ku munsi cheque yakiriwe yemejwe (ku bitsa cheque); (iii) kureba amafaranga ahari ubu muri Konti kuri ATM; (iv) guha Umukoresha w'Ikarita incamake ngufi y'konti; (v) gusaba igitabo cya cheque cyangwa Raporo y'Konti; no (vi) ibindi bikorwa Banki ishobora kuzajya itanga igihe kijyanye n'igihe ku Mukoresha w'Ikarita, harimo kongerera telefoni igihe cyo guhamagara no kohereza amafaranga hagati ya konti. (b) Gukuramo amafaranga kuri ATM ku ikarita yose bigengwa n'umupaka w'amafaranga ya buri munsi Banki iba yamenyesheje rimwe na rimwe, ndetse bigengwa no kuba muri Konti hari amafaranga ahagije. Umukoresha w'Ikarita yemera kutagerageza gukuramo amafaranga igihe nta mafaranga ahagije ari muri Konti. Inshingano yo kwemeza ko muri Konti hari amafaranga ahagije ireba Umukoresha w'Ikarita wenyine. (c) Banki ishobora, uko ibishaka, kugumana umubare w'amafaranga ntarengwa ugomba kuguma muri Konti, iyo ari munsi yawo gukuramo amafaranga bitemewe, nubwo muri Konti haba hari amafaranga ahagije yo gukora igikorwa. (d) Mu gihe nta kosa rigaragara, inyandiko za Banki ku gikorwa icyo ari cyo cyose cyangwa ingaruka zacyo ni zo zemewe. (e) Iyo Umukoresha w'Ikarita arangije igikorwa kuri ATM, ashobora guhitamo guhabwa inyandiko yacapwe y'igikorwa. Icyakora, ku bikorwa byose byo kubitsa amafaranga cyangwa cheque kuri ATM, Umukoresha w'Ikarita yemera ko ATM nta nyemezabwishyu izatanga usibye icyemezo cyo kwakira cheque cyangwa ibahasha, uko bimeze, kandi nta kugaragaza umubare w'amafaranga yabitswe. (f) Kubitsa amafaranga na cheque byose bigengwa no kugenzurwa na Banki, kandi umubare wemejwe ni wo uzaba ushinga Umukoresha w'Ikarita. (g) Umukoresha w'Ikarita yemera ko ibyifuzo bikorerwa kuri ATM nko gusaba igitabo cya cheque bizakorwa ku munsi w'akazi ukurikiraho. (h) Umukoresha w'Ikarita agirwa inama yo kubika inyandiko y'igikorwa cyakozwe na ATM.
Amategeko n'Amabwiriza yose bizasobanurwa kandi itangwa ry'Ikarita rizagengwa gusa hakurikijwe amategeko ya Repubulika y'u Rwanda, kandi Umukoresha w'Ikarita (kandi ku Ikarita yatanzwe ku Konti ihuriweho, abafite Konti bose bahuriweho) yemera kwemera ubutegetsi bw'Urukiko Rukuru rw'u Rwanda butagabanyijwe.
(a) aya Mategeko n'Amabwiriza bishobora guhindurwa, gusubirwamo cyangwa gusimburwa igice cyangwa byose igihe icyo ari cyo cyose na Banki, uko ishaka kandi ifite ubushobozi busesuye; Banki izamenyesha Umukoresha wa Ikarita iminsi 30 mbere y'uko ibyo bihinduka, bisubirwamo cyangwa bisimburwa; na (b) iyo hari ihindurwa, risubirwamo cyangwa risimbuzwa ry'aya Mategeko n'Amabwiriza rikozwe na Banki, gukoresha Ikarita nyuma yaho bizafatwa nk'icyemezo cyo kwemera ibyo bihinduka, bisubirwamo cyangwa bisimburwa.
(a) Banki ntiyirengera inshingano yo kutuzuza inshingano zayo zijyanye n'imikorere ya ATM bitewe n'ikintu icyo ari cyo cyose kitari mu bushobozi bwayo; na (b) Banki ntizaba ifite inshingano igihe itabasha kuzuza inshingano zayo bitewe (mu buryo butaziguye cyangwa butaziguye) ariko bitagarukiye gusa ku kunanirwa kwa mashini iyo ari yo yose, sisitemu yo gutunganya amakuru cyangwa umurongo w'itumanaho, cyangwa amakimbirane mu nganda, imyigaragambyo, gufunga uruganda (lock-out), ibikorwa by'umwanzi wa rubanda, intambara, ibihano by'ubukungu cyangwa gufunga inzira, imidugararo, icyorezo, inkangu, inkuba, imitingito, inkongi, imvura y'amahindu, umwuzure, imvururu z'abaturage, iterabwoba, amategeko na amabwiriza ya Leta, ndetse n'ikintu cyose kitari mu bushobozi butaziguye bwa Banki, abakozi bayo cyangwa abagenerwabikorwa bayo.
(a) Umukoresha wa Ikarita (kandi mu gihe ikarita yatanzwe ku konti ihuriweho, abafite konti bose bahuriweho hamwe kandi buri wese ku giti cye) azabazwa byuzuye ku buri gikorwa cy'imari kikozwe hakoreshejwe Ikarita. Igikorwa cy'imari kigomba gukorwa mu buryo ibanga ryerekanwa kuri POS Terminal ritamenyeshwa undi muntu wa gatatu. Banki ntizabazwa ku itangazwa ry'ibanga ryose ku wundi muntu wa gatatu rituruka ku ikorwa ry'igikorwa cy'imari; (b) Umukoresha wa Ikarita (kandi mu gihe ikarita yatanzwe ku konti ihuriweho, umwe mu bafite konti ihuriweho) ntazashinja Banki, ngo imubazwe cyangwa imuryozwe mu buryo ubwo ari bwo bwose igihombo, imvune cyangwa ibyangiritse byose biturutse ku gukoresha ATM, harimo kutabasha kubikuza amafaranga bitewe no kubura amafaranga kuri ATM aho igikorwa kiri gutunganywa; (c) Banki ntizabazwa ku kuba Uruganda cyangwa Aho Ucuruza, POS Terminal cyangwa ATM byanze cyangwa bitabashije kwemera cyangwa kubahiriza Ikarita cyangwa kurangiza igikorwa cy'imari, cyangwa ku kuba ATM cyangwa POS Terminal yafashe Ikarita; na (d) Banki ntizabazwa igihombo cyose giterwa no kunanirwa gukora kwa ATM cyangwa POS Terminal.
(a) Ikarita ntishobora kwimurwa cyangwa gukoreshwa n'undi muntu utari Umufite Ikarita; (b) Ikarita ikomeza kuba iya Banki kandi iyo ihagaritswe igomba gusubizwa Banki igihe cyose ibisabwe; (c) Ikarita yatanzwe ifite igihe cyo gukoreshwa gifite aho kigarukira, kandi iyo kirangiye, Banki ishobora gutanga indi karita nshya ku bushake bwayo bwonyine kandi bwuzuye; (d) Ikarita ntabwo ari ikarita y'inguzanyo cyangwa ikarita yemeza cheque, kandi Umufite Ikarita ntagomba kuyerekana nk'iyo; (e) Umufite Ikarita ntashobora gukoresha Konti irenze amafaranga ihari binyuze mu bikorwa by'imari; (f) Amafaranga cyangwa cheque zishyirwa muri ATM kugira ngo zishyirwe kuri Konti zizakusanywa na Banki, kandi ayo mafaranga ntazaboneka kugeza igihe Banki imaze kwakira amafaranga afite agaciro kayo; (g) gukora igikorwa cy'imari bigengwa n'ibigarukira ku mikorere ya Konti bishyirwaho; (h) gukoresha Ikarita bigengwa n'amategeko n'amabwiriza y'Imiyoboro Isangiwe y'Abafatanyabikorwa, harimo VISA; (i) Umufite Ikarita atanga uburenganzira bwe kuri Banki bwo gukora iperereza ku kugenzura amakuru yose yatanzwe n'Umufite Ikarita mu Fishi yo Gusaba; kandi (j) Banki ishobora kwegurira abandi uburenganzira bwayo n'inyungu zayo igihe icyo ari cyo cyose.
Umufite Ikarita (kandi ku ikarita yatanzwe ku Konti ihuriweho, abafite Konti bose bahuriweho hamwe kandi buri wese ku giti cye) azishyura Banki yose hamwe nta kigabanyo (ku buryo bwuzuye kandi butagira imbogamizi) ku mafaranga yose yatanzwe n'iyo Banki mu gushyira mu bikorwa cyangwa mu kugerageza gushyira mu bikorwa aya Mabwiriza n'Amategeko, cyangwa mu kwishyuza amafaranga yose Umufite Ikarita abereyemo Banki, harimo amafaranga yose y'abanyamategeko, amafaranga yo gutanga dosiye mu rukiko n'andi mafaranga yatanzwe.
(a) Umubare ntarengwa w'amafaranga yo kubikuza ku munsi ku Ikarita ugenwa hashingiwe ku byose byakuwe ku munsi kuri Konti zose zifitanye isano n'iyo Karita; (b) Iyo Konti ari ihuriweho kandi uburenganzira bwo gusinya ari ukuba umwe muri bo cyangwa ukurokoka, nyuma yo kuzuza no gusinya Fishi yo Gusaba n'umufite Konti wese uhuriweho, umwe muri abo bafite Konti ashobora kuhabwa Ikarita ku Konti ihuriweho; kandi (c) Iyo Konti ari ihuriweho kandi Amakarita atanzwe ku bafite Konti ihuriweho benshi cyangwa bose, buri Karita yatanzwe igengwa ukwayo n'umubare ntarengwa w'amafaranga yo kubikuza ku munsi.
Ikarita ifite agaciro kugeza ku munsi w'akazi wa nyuma w'ukwezi kwanditswe ku Ikarita. Amabwiriza n'Amategeko yo gukoresha Ikarita y'Ikarita yo Kwishyura ya I&M Bank Limited.
Imisoro, amahoro, imisoro y'ibanze cyangwa andi mafaranga yose yishyurwa igihe cyose yaciwe na Leta cyangwa irindi nzego zibifitiye ububasha, ajyanye n'ikorwa ry'ubucuruzi bwose, bigomba kwishyurwa na Nyiri Ikarita kandi Banki ikabikura kuri Konti.
Ibikorwa byose by'ubucuruzi bikorewe hakoreshejwe Ikarita bizagaragara ku Raporo y'ukwezi ya Konti, iyo raporo ikaba igengwa n'Amategeko Rusange n'Amabwiriza agenga Konti.
(a) “Konti” bivuga, ku bijyanye n'Ikarita, konti yose (cyangwa konti zose) Nyiri Ikarita afite muri Banki, yaba ari iye wenyine cyangwa ari kumwe n'abandi bafite konti, yashyizweho na Banki ku bw'icyifuzo cya Nyiri Ikarita nk'konti yemewe yo gukoresha mu gukora ubucuruzi ku Ikarita kandi amafaranga yose Nyiri Ikarita agomba kwishyura ku Ikarita akurwa kuri yo, hakaba hari ko iyo Konti ari konti rusange, abafite konti bose bagomba kuzuza no gusinya Urupapuro rwo Gusaba; (b) “Urupapuro rwo Gusaba” bivuga Urupapuro rwo Gusaba Ikarita cyangwa icyifuzo cyatanzwe mu Gusaba cyuzujwe n'Umukiriya ku bijyanye no gushyiraho no gukoresha Konti; (c) “ATM” bivuga Imashini yose yo kubikuza yikora, yaba mu Rwanda cyangwa ahandi, ya Banki cyangwa iya Mugenzi wa Banki usangiye umuyoboro wemewe, harimo umuyoboro wa VISA, aho Nyiri Ikarita ashobora gukora ubucuruzi; (d) “Banki” bivuga I&M Bank Limited; (e) “Ikarita” bivuga Ikarita y'Umwenda ya Visa Electron yatanzwe na Banki ku bw'icyifuzo n'izina rya Nyiri Ikarita, ikoreshwa mu serivisi z'ikarita y'umwenda zitangwa na Banki; (f) “Nyiri Ikarita” bivuga umuntu (umuntu ku giti cye cyangwa ikigo) wahawe Ikarita kandi izina rye ryanditseho; (g) “Ahakorerwa Ubucuruzi” bivuga ahantu hose hakorerwa ubucuruzi hemera Ikarita, harimo nk'amaduka, za resitora, amahoteli cyangwa ibigo by'indege byerekana ikirango cya Banki cyangwa icya Mugenzi wa Banki usangiye umuyoboro, harimo ikirango cyose cya VISA, nk'ikimenyetso cyo kwemera Ikarita, kandi aho hashyizwe POS Terminal; (h) “PIN” bivuga, ku bijyanye na Nyiri Ikarita, umubare w'ibanga ukenerwa kugira ngo ugere kuri ATM cyangwa POS Terminal kugira ngo ukore ubucuruzi; (i) “POS Terminal” bivuga igikoresho cyo gucuruzeho gishyirwa ahakorerwa ubucuruzi gishobora gutunganya ubucuruzi; (j) “Mugenzi wa Banki usangiye umuyoboro” bivuga ikigo cyose Banki igirana na cyo amasezerano atuma Nyiri Ikarita ya Banki akora ubucuruzi kuri ATM na/cyangwa POS Terminal bya icyo kigo cyangwa biri mu bigize icyo kigo; na (k) “Ubucuruzi” bivuga ubucuruzi bwose bukorwa hakoreshejwe Ikarita hakurikijwe aya Mabwiriza n'Amategeko.
Amategeko n'Amabwiriza y'Ikarita ya I&M Multicurrency Yishyuwe Mbere
Ikarita ishobora gukoreshwa mu kubona amafaranga kuri ATM iyo ari yo yose ku isi yerekana ikirango cya MASTERCARD kandi yemera izo karita. Kugira ngo ukure amafaranga, Umufite Ikarita azakenera gushyira ikarita muri ATM, kwandika PIN, no kwandika umubare w'amafaranga ashaka. Ikarita igomba gusubizwa nyuma y'iyo mikoreshereze. Umufite Ikarita ashobora kandi gukoresha ikarita mu kwishyura ibiciro biturutse ku bucuruzi bw'abacuruzi, bitewe n'uko I&M Bank n'abacuruzi bafite uburenganzira bwo guhagarika gukoresha ikarita ku bucuruzi runaka igihe icyo ari cyo cyose, ku mpamvu iyo ari yo yose. Amafaranga ya buri kugura gukozwe hakoreshejwe ikarita cyangwa ikurwa ry'amafaranga kuri ATM azakurwa ako kanya ku mafaranga y'Umufite Ikarita. Iyo nta mafaranga ahagije ahari yo gukora ibikorwa byasabwe, ibikorwa ntibizemerwa kandi banki ifite uburenganzira bwo gukurikirana amafaranga yose ku mufite ikarita angana n'agaciro k'ibyaguzwe cyangwa ibikorwa bya ATM yakozwe n'umufite ikarita. Ikarita ishobora, bitewe n'amafaranga yose yemewe, gukoreshwa mu gukuramo amafaranga kuri ATM yerekana ikimenyetso cya MasterCard®, Maestro® cyangwa Cirrus® na/cyangwa mu kwishyura ibicuruzwa na serivisi ku bacuruzi, cyangwa kuri interineti, bemera amakarita ya MasterCard® mu buryo bw'ikoranabuhanga. Ikarita ikoreshwa mu buryo bw'ikoranabuhanga gusa kandi ntishobora gukoreshwa mu bikorwa bikozwe n'intoki cyangwa bitari kuri interineti. Ikarita ntigomba gukoreshwa mu bikorwa binyuranyije n'amategeko, kandi umufite ikarita ntagomba guha cyangwa gusangiza undi muntu ikarita ye. Iyo nta mafaranga ahagije ahari muri Currency Wallet runaka yo kwishyura igikorwa, amafaranga y'icyo gikorwa azishyurwa mu buryo bwikora hakoreshejwe andi mafaranga (Currencies) hakurikijwe ibyihutirwa byatoranyijwe mbere n'umufite ikarita ku Currency Wallets zihari. Iyo amafaranga yose ari ku Currency Wallets zose akiri macye yo kwishyura igikorwa, ikarita izangwa kandi umucuruzi ashobora guhamagara umufite ikarita kugira ngo yishyure amafaranga y'igikorwa mu buryo bundi. Umufite ikarita yiyemeza kwemera igikorwa cyo gusubizwa amafaranga (credit refund) kuri Konti ye y'Ikarita mu mafaranga y'igikorwa yakoreshejwe, igihe afite uburenganzira bwo gusubizwa cyangwa ubundi buryo bwo guhabwa amafaranga kubera ibicuruzwa cyangwa serivisi byaguzwe hakoreshejwe ikarita, impamvu yose yaba iyihe. Igikorwa cyangwa kwishyura ntibishobora guhagarikwa umufite ikarita amaze kwemeza gukoresha ikarita. Banki ntibazwa kandi nta buryo na bumwe yemeza ko ikarita izemerwa igihe cyose kuri ATM no ku bikoresho byo kwishyurira (Point of Sale) bidafite cyangwa bitayobowe na Banki. Umufite ikarita agomba buri gihe kubahiriza amategeko n'amabwiriza yose (harimo n'ibijyanye no kugenzura ivunjisha) ku ikarita mu gihugu cyo kugurira na/cyangwa gukoreshereza. Umufite ikarita abonye ikosa ku mpapuro z'icyemezo cy'ikarita, agomba guhita abimenyesha Banki kandi mu gihe kitarenze iminsi 30 y'akazi uhereye igihe ikorwa ryabaye. Banki ishobora gusaba umufite ikarita gutanga andi makuru yanditse ku kosa ryabaye. Umufite Ikarita ashobora gusubiza ikarita igihe icyo ari cyo cyose akabona gusubizwa amafaranga asigaye, hatabariwemo amafaranga yo gusubiza abereyemo banki, akuzuza urupapuro rwo gusubiza amafaranga rwateganyijwe na I&M Bank, hamwe n'kopi y'pasiporo cyangwa icyangombwa cy'umuntu cy'Umufite Ikarita, ikarita ubwayo, n'izindi nyandiko zose I&M Bank isaba. Gusubizwa amafaranga bizakorwa mu mafaranga shingiro y'ikarita (Base Currency). Gukoresha ikarita ahantu hatemewe cyangwa ku mpamvu itari iteganywa muri aya mabwiriza n'amasezerano ni ukutemerwa rwose kandi bishobora gutuma I&M Bank ihagarika ikarita. I&M Bank ntizaryozwa igihombo icyo ari cyo cyose, cyaba icyataye agaciro cyangwa icy'ubundi buryo, umufite ikarita ashobora guhura nacyo kubera kwangirwa gukoresha ikarita kuri ATM cyangwa ku bucuruzi, gukoreshwa kw'ikarita bitemewe cyangwa guhagarikwa kwayo. Amakuru yoherezwa binyuze kuri interineti ntashobora kuba arinzwe neza rwose, kandi Banki ntiyemeza ko ibikoresho bitari ibyayo cyangwa bitayobowe nayo bizakora neza kandi bihari igihe cyose, cyangwa ngo yemere uburyozwe ku guhagarara, gufatwa cyangwa gutakara kw'amakuru bwite (Personal Information) cyangwa andi makuru yoherejwe muri ibyo.
Banki ishobora kwimurira uburenganzira n'inshingano zayo zikubiye muri aya Masezerano kuri undi muntu cyangwa ikigo icyo ari cyo cyose. Icyakora, Banki izamenyesha Umukoresha w'Ikarita ibyemezo nk'ibi mu buryo bukwiye. Igihe iyimurwa rimaze gukorwa kandi rikaba rimenyeshejwe Umukoresha w'Ikarita, umuntu cyangwa ikigo masezerano yimuriwe byihererana uburenganzira n'inshingano zose za Banki bikubiye muri aya masezerano. Amagambo ‘’Banki’’ yakoreshejwe muri aya Mabwiriza n'Amategeko bizajya bisobanura uwo muntu cyangwa icyo kigo masezerano yimuriwe. Usibye muri ibyo bihe, nta kintu na kimwe muri aya Mabwiriza n'Amategeko kizaha undi muntu wa gatatu inyungu cyangwa uburenganzira bwo gushyira mu bikorwa ibiri mu Masezerano hagati y'Umukoresha w'Ikarita na Banki.
Ikarita ishobora gukoreshwa binyuze kuri Internet, kandi Umukoresha w'Ikarita ni we uzabazwa ingaruka zose zijyanye n'ibyo bikorwa. Umukoresha w'Ikarita kandi ashobora kubona amakuru ku Ikarita binyuze kuri urubuga www.imbank.com, harimo amafaranga asigaye ku konti n'incamake y'ibikorwa byakozwe, ndetse no guhagarika by'agateganyo ikarita. Muri uru rwego, Umukoresha w'Ikarita azahabwa Umubare w'Ibanga bwite wa Internet (I-PIN).
Kadi ya I&M Bank ya MasterCard Multicurrency Prepaid Travel ni kadi y'ifaranga ryinshi ishobora gukoreshwa mu mafaranga atandukanye nk'uko Banki ibigena igihe cyose. Kadi igomba buri gihe kuzuzwa cyangwa kongerwamo amafaranga mu Ifaranga Fatizo ryagenwe cyangwa mu rindi faranga ryose ryo kwishyuza, hanyuma amafaranga ashobora guhindurwa akajya mu bikapu by'amafaranga yo kwishyuza bitandukanye, ku buryo umukoresha wa kadi azajya akoresha ayo mafaranga mu bucuruzi bwe akurikije ifaranga ry'ubucuruzi. Ifaranga Fatizo ry'itangira ni Amadolari y'Amerika, hakaba n'andi mafaranga yo kwishyuza y'inyongera ashobora kubamo Ifaranga ry'u Rwanda, Ipawundi y'Ubwongereza n'Ero, cyangwa irindi faranga ryose umukoresha wa kadi ashobora guhindura no kugenera gukoresha amafaranga ye. Niba Banki yashyizeho Ifaranga Fatizo rishya cyangwa andi mafaranga yo kwishyuza y'inyongera, kandi umukoresha wa kadi agahitamo kugenera ayo mafaranga mashya amafaranga ye, bizafatwa ko yemeye kandi yumvikanye ko aya Mategeko n'Amabwiriza bireba iryo faranga rishya. Niba Banki yongeyeho andi mafaranga mu bikapu by'amafaranga byagenwe, ibi bizamenyeshwa umukoresha wa kadi binyuze mu nzira z'itumanaho zihari. Umukoresha wa kadi ashinzwe gufata no gucunga imari ye yo mu bikapu by'amafaranga no kwemeza ko hari amafaranga ahagije muri buri gikapu kandi ko yatondekanyije gukoreshwa ku buryo ahagije ibikorwa biteganyijwe mu ifaranga rifitanye isano, hakurikijwe imipaka n'amafaranga byagenwe kandi bimenyeshwa na Banki igihe cyose. Umukoresha wa kadi ashobora kugenera amafaranga y'Ifaranga Fatizo mu mafaranga yo kwishyuza y'inyongera aboneka, abinjiriye kuri Portal y'Abakiriya ba I&M Bank binyuze kuri www.imbank.com. Kadi si Kadi y'Inguzanyo kandi gukoreshwa kwayo kugarukira ku mafaranga yashyizwemo mbere. Kadi ntigomba kurenza amafaranga ihari. Igihe cyose kadi irenze amafaranga ihari, ibyo birenzeho bihita biba umwenda wishyurwa ako kanya, Banki ikabisaba umukoresha wa kadi ako kanya kandi igakoresha uburenganzira bwayo buteganywa mu mategeko n'amabwiriza kugira ngo yishyure ibirenze. Amafaranga abitswe kuri kadi ntabwo ari ubwizigame muri Banki usibye uko bisobanurwa muri aya Mategeko n'Amabwiriza. Banki ntizishyura inyungu ku mafaranga y'inguzanyo abitswe kuri konti ya kadi. Impinduka zose zizamenyeshwa umukoresha wa kadi ku buryo bukwiye. Kadi ishobora gukoreshwa gusa iyo ifite amafaranga ahagije. Igihe gikapu runaka cy'amafaranga kirenze amafaranga ihari nyuma y'ikorwa ry'igikorwa n'umukoresha wa kadi, ayo mafaranga arenze abaye umwenda uhita wishyurwa n'umukoresha wa kadi, kandi Banki ifite uburenganzira bwo kuyishyuza ikuye amafaranga yo mu kindi gikapu cy'amafaranga, itangiriye ku Ifaranga Fatizo. Mu guhindura Umwenda mu gikapu cy'ifaranga rifitanye isano, Banki izakoresha igipimo cy'ivunjisha kimwe nk'icyakoreshejwe mu kugenera ibikapu by'amafaranga. Ifaranga Risanzwe ryo gukoresha kadi ni Ifaranga Fatizo, ariko umukoresha wa kadi ashobora guhindura igenamiterere ry'ifaranga risanzwe no gushyiraho ibyihutirwa by'amafaranga yo gukoresha binyuze mu buryo bwagenwe bwa Portal y'Abakiriya ya sisitemu ya kadi zibanziriza kwishyura ya Banki. Gukoresha kadi mu ifaranga iryo ari ryo ryose ritari Ifaranga Fatizo cyangwa andi mafaranga yo kwishyuza y'inyongera bizishyurwa mu Ifaranga Fatizo.
Buri tegeko ryo mu mabwiriza n'amategeko agenga ibi bihano ryigenga kandi ritandukanye n'andi, kandi igihe icyo ari cyo cyose, kimwe cyangwa byinshi muri ayo masezerano bibaye binyuranyije n'amategeko cyangwa ntibishobore gushyirwa mu bikorwa mu buryo ubwo ari bwo bwose hakurikijwe amategeko y'ubutegetsi ubwo ari bwo bwose, ubwemewe, ubuziranenge cyangwa ubushobozi bwo gushyirwa mu bikorwa kw'andi masezerano ntibizagirwaho ingaruka mu buryo ubwo ari bwo bwose. Nta gikorwa, gutinda cyangwa kwibagirwa kwa I&M Bank bizagira ingaruka ku burenganzira, ububasha n'uburyo bwo kwikemura bifite hakurikijwe amabwiriza n'amategeko agenga ibi bihano cyangwa indi myitwarire yose y'ubwo burenganzira, ububasha cyangwa uburyo bwo kwikemura. Uburenganzira n'uburyo bwo kwikemura bikubiye muri aya mabwiriza n'amategeko ni ibyongerera hamwe kandi ntibibuza ibindi burenganzira n'uburyo bwo kwikemura biteganywa n'amategeko.
Umukoresha w'ikarita agomba kubungabunga ibanga, umutekano n'ubwirinzi bw'umubare w'ibanga (PIN), kandi amenye ko kutubahiriza ibanga, umutekano cyangwa ubwirinzi bwa PIN bishobora gutuma umukoresha w'ikarita abazwa ibyerekeye ikarita mu gihe PIN yakoreshejwe. Umukoresha w'ikarita yemera ko umutekano w'ikarita na PIN ari ingenzi cyane. Umukoresha w'ikarita natubahiriza umutekano w'ikarita na PIN, ashobora kuzaganwa n'ibihombo byose byatewe (harimo gutakaza amafaranga yose cyangwa igice cyayo) bitewe no gukoresha ikarita nta burenganzira. I&M Bank irasaba umukoresha w'ikarita kubahiriza/gukurikiza izi ngamba zikurikira, usibye izindi ngamba zose umukoresha w'ikarita yabona ko zikwiye, mu kurinda PIN na I-PIN: (i) Umukoresha w'ikarita ntagomba gutangaza PIN cyangwa I-PIN ku muntu uwo ari we wese. (ii) Umukoresha w'ikarita agomba kwitonda kugira ngo hatagira umuntu urebe PIN igihe yinjizwa kuri ATM cyangwa I-PIN igihe yinjira kuri interineti. (iii) Umukoresha w'ikarita agomba kwibuka PIN hanyuma agasiba icyanditseho cyose, ntagire aho ayandika kugira ngo hatagira undi muntu wa gatatu uyibona. (iv) Umukoresha w'ikarita ntagomba kwandika cyangwa kugaragaza PIN ku ikarita. (v) Umukoresha w'ikarita ntagomba kubika PIN mu buryo bworoshye kumenyekana ku kintu icyo ari cyo cyose gisanzwe gitwarwa cyangwa kibikwa hamwe n'ikarita, bishobora gutuma PIN itakara cyangwa yibwa icyarimwe n'ikarita. (vi) Umukoresha w'ikarita ntagomba gutwara PIN hamwe n'ikarita cyangwa kuyandika ahandi, even iyo yaba yahishwe. Izi nama ntizikubiyemo byose. Igihe habaye igihombo icyo ari cyo cyose, nubwo izo ngamba (cyangwa izindi ngamba) zaba zarubahirijwe/zakurikijwe n'umukoresha w'ikarita, inshingano zo kwishyura icyo gihombo ni iz'umukoresha w'ikarita gusa.
I&M Bank ifite uburenganzira bwo guhagarika, guhagarika by'igihe gito cyangwa burundu, gufunga cyangwa kwanga gukoresha Ikarita/kugera ku Mafaranga, igihe habaye kimwe muri ibi bikurikira: (i) kutubahiriza cyangwa kutubahiriza amabwiriza n'amasezerano biri muri aya mabwiriza (ii) habaye ikibazo cyo kutubahiriza amasezerano cyangwa ikindi cyemeranyijweho cyose (cyaba giteganyijwe cyangwa kidateganyijwe) cyangwa ibisa nabyo byagiranywe n'I&M Bank cyangwa n'amasosiyete abarizwa mu itsinda ryayo; v (iii) Umucunguzi w'Ikarita agezweho n'inzira iyo ari yo yose y'ubutaka cyangwa y'ubukungu, cyangwa imanza zisa nazo; (iv) urupfu rw'Umucunguzi w'Ikarita (v) igihe bibaye ngombwa kumenya niba umuntu runaka afite uburenganzira bwo guhabwa Amafaranga/gukoresha Ikarita cyangwa mu gihe hakenewe izindi ntambwe zisabwa n'amategeko, amabwiriza n'amabwiriza agenga cyangwa icyemezo cy'inzego zibishinzwe
Iyo Amafaranga yashyizwe ku Ikarita yose amaze gukoreshwa, Umucunguzi w'Ikarita ashobora kongera gushyira Amafaranga ku Ikarita binyuze ku Muhagarariye uwo ari we wese cyangwa ku ishami ry'I&M Bank, hubahirizwa amategeko, amabwiriza n'amabwiriza agenga yose akurikizwa igihe cyose. Igihe Umucunguzi w'Ikarita ashaka kongera gushyira amafaranga ku Ikarita, I&M Bank ifite uburenganzira bwo: (1) kugena umubare w'Amafaranga ashobora gushyirwa ku Ikarita; (2) kugena inshuro Amafaranga ashobora kongera gushyirwa ku Ikarita; (3) kwanga igikorwa cyo kongera gushyiraho amafaranga, nk'uko ibyemezo byayo bwite bibivuga. Mu rwego rwo kongera gushyira amafaranga ku Ikarita, Umucunguzi w'Ikarita asabwa kuzuza urupapuro rwateganyijwe no gutanga amakuru amwe ajyanye n'Umucunguzi w'Ikarita/Ikarita, nk'uko I&M Bank ibisaba. Amafaranga azahora ashyirwa ku Ikarita mu Mafaranga Fatizo y'Ikarita nk'uko Banki ayasobanura igihe cyose. Umubare w'amafaranga yongerwa ugomba kuba ukurikije neza imipaka Banki yashyizeho n'amategeko, amabwiriza n'amabwiriza agenga akurikizwa. Gushyira no kongera amafaranga ku Ikarita ntibigomba guhabwa undi muntu uwo ari we wese usibye Abakozi ba Banki bemewe n'abahagarariye Banki bashyizweho, nk'uko bitangazwa igihe cyose. I&M Bank ntizaryozwa igihombo icyo ari cyo cyose cyaba icyo ku buryo butaziguye cyangwa butaziguye Umucunguzi w'Ikarita yagira kubera amafaranga yahawe undi muntu utari Abakozi ba Banki bemewe n'abahagarariye Banki bashyizweho, nk'uko bitangazwa igihe cyose.
Amafaranga yakuwe kuri ATM: Igihe Umukoresha wa Kata akoresheje ATM mu gukora ikorwa ry'imari, agomba kwemeza ko abona kandi agenzura inyemezabwishyu cyangwa inyandiko zose zitangwa, niba zihari, ziturutse kuri iyo ATM. Amakuru y'Amafaranga asigaye: ATM cyangwa inyemezabwishyu/inyandiko, niba zihari, zishobora kugaragaza amafaranga asigaye ku Ikarita igihe ikoreshejwe kuri iyo ATM. Umukoresha wa Kata ashobora kandi kubona amakuru y'amafaranga aboneka asigaye ahamagara Ikigo gishinzwe guhamagara abakiriya cya I&M Bank. Amateka y'Ikorwa ry'imari: Itangazo ry'ikorwa ry'imari ry'buri kwezi rishobora koherezwa kuri imeri ku Mukiriya wiyandikishije kuri iyi serivisi, binyuze mu guhamagara Ikigo gishinzwe guhamagara abakiriya cya I&M Bank no gutanga cyangwa gushyira mu bikorwa icyifuzo cyabyo, icyo cyifuzo kikazakorwa vuba bishoboka, ariko I&M Bank ntizaba ifite inshingano ku gutinda cyangwa kutabona itangazo ry'ikorwa ry'imari ry'ukwezi, cyangwa ku kuba ibirimo byizewe nyuma yo koherezwa neza na I&M Bank, cyangwa ku virusi cyangwa ibindi bisa nazo muri imeri yoherejwe. Umukoresha wa Kata ashobora kandi kubona aya makuru binyuze mu kwinjira kuri konti ye ya Kata ku rubuga rwa interineti rwa I&M Bank akoresheje Nimero y'Umukoresha yahawe n'I-PIN.
Niba Umukoresha wa Kata yakiriye amafaranga arenze Amafaranga, Umukoresha wa Kata yemera kwishyura I&M Bank vuba ayo mafaranga yose, hakurikijwe amabwiriza n'ibisabwa I&M Bank ishobora kugena. Niba I&M Bank ifite impamvu zo gukeka ko Umukoresha wa Kata yakiriye amafaranga arenze ayo yasabye, impamvu yose yaba iyo ari yo yose (harimo kutakora neza kwa ATM, POS cyangwa ibindi bikoresho, cyangwa sisitemu ya I&M Bank), I&M Bank izabimenyesha Umukoresha wa Kata kandi izakura ayo mafaranga arenze mu Mafaranga, hakurikijwe amabwiriza n'ibisabwa I&M Bank ishobora kugena. I&M Bank kandi ifite uburenganzira bwo gusubiza ayo mafaranga arenze ava kuri konti iyo ari yo yose ya Umukoresha wa Kata ifite muri yo cyangwa mu bigo byayo byose by'itsinda, yaba konti ihuriweho cyangwa konti yihariye cyangwa ubundi bwoko, cyangwa kandi/cyangwa uburenganzira bwo gusaba Umukoresha wa Kata, nyuma yo kumenyeshwa, kwishyura ako kanya ayo mafaranga arenze, hakurikijwe amabwiriza n'ibisabwa I&M Bank ishobora kugena. Mu gihe hari gusaba cyangwa kuregwa kwishyurwa imyenda isigaye/amafaranga yakiriwe arenze Amafaranga ku Mukoresha wa Kata, byaba byakozwe na I&M Bank cyangwa undi muntu uhagarariye I&M Bank, Umukoresha wa Kata yemera kandi akemeza ko azishyura I&M Bank igihe bayisabye, nta mananiza, amafaranga yose asigaye kuri Kata cyangwa amafaranga yakiriwe arenze Amafaranga. Ibiri muri aya mabwiriza n'ibisabwa ntibizagira ingaruka ku burenganzira bwa I&M Bank bwo gufata, gukata, kwimura no gukoresha amafaranga hakurikijwe amategeko cyangwa andi masezerano yose rimwe na rimwe ariho hagati ya I&M Bank n'Umukoresha wa Kata.
Nta muntu ushobora gusaba cyangwa kubona amakarita menshi. Igihe umukoresha w'ikarita yaba yarabonye amakarita mu bihe byabanje, mu gihe icyo ari cyo cyose, ikarita ya nyuma yatanzwe ku mukoresha w'ikarita ni yo izaba yemewe kandi ikora, keretse igihe yahagaritswe cyangwa iveyeho na I&M Bank.
1.0 Mu kugura ikarita, umukoresha w'ikarita yemera kandi akemerera Banki gusangiza Amashami yayo n'Abakozi bayo bahawe inshingano amakuru yose yihariye ajyanye n'umukoresha w'ikarita, bafite aho bahuriye no gutanga, gukusanya, gukwirakwiza no korohereza ikoreshwa ry'ikarita. 2.0 Umukoresha w'ikarita yiyemeza kumenyesha Banki ako kanya impinduka zose ku nyandiko zishyikirizwa ku gasanduku k'iposita n'aderesi zo kohererezaho ibaruwa cyangwa ku bisobanuro bya kontaki, binyuze mu nzira zemewe z'itumanaho ry'ubuyobozi; Banki ntabwo ibazwa kutakira itangazo cyangwa ibaruwa iyo ari yo yose yoherejwe kuri aderesi yatanzwe kandi yashyizweho muri Banki. 3.0 Umukoresha w'ikarita ashobora gusabwa gutanga ibimenyetso bimwerekeza ku ishami rya Banki cyangwa ku Mukozi wese wahawe inshingano igihe agura ikarita cyangwa igihe ashyiraho andi mafaranga kuri iyo karita. 4.0 Amakuru yihariye y'umukoresha w'ikarita ashobora gutangwa na Banki ku muntu wa gatatu igihe bibaye ngombwa kugira ngo hatangwe serivisi y'ikarita, hakurikiranwe kubahiriza amabwiriza n'amategeko y'ikarita, mu kurwanya gukoresha amafaranga mu buryo butemewe, mu gutahura ibyaha, mu kubahiriza amategeko no mu gukumira uburiganya; amakuru ashobora kandi gutangwa ku bigo bikurikirana imyenda n'abanyamategeko igihe Banki izashaka kugarura amafaranga yayo umukoresha w'ikarita yayibereyemo ukurikije aya mabwiriza n'amategeko; amashyaka yose ahabwa aya makuru asabwa gukoresha uburinzi buhagije ku makuru yawe yihariye ari mu bubiko bwayo. 5.0 Amakuru yihariye y'umukoresha w'ikarita ntazasangizwa cyangwa akoreshwe mu yindi mpamvu uretse ibivuzwe haruguru, keretse igihe Banki bisabwe cyangwa byemewe n'amategeko n'amabwiriza ya Leta, n'urukiko, cyangwa n'ikigo cyangwa umuntu wese ihererekanyirizaho uburenganzira n'inshingano zayo ukurikije aya Mabwiriza n'Amategeko. 6.0 Umukoresha w'ikarita afite uburenganzira bwo kubona amakuru ye abitswe na Banki, amashami yayo cyangwa abakozi bayo; ubwo busabe bugomba buri gihe kuba bwanditse kandi bushobora gukorwa gusa nyuma yo kugaragaza neza umusaba ku Banki; Banki ifite uburenganzira bwo gusiba amakuru yose adakwiye cyangwa gukosora amakosa yose mu makuru yihariye y'umukoresha w'ikarita abitswe. 7.0 Kugira ngo Banki ifashwe mu gutanga serivisi ziteganywa muri aya Mabwiriza n'Amategeko, ibiganiro bya telefone bishobora kubikwa kugira ngo bifashe mu kugenzura no mu gukurikirana serivisi.
Kugira ngo Umukoresha w'Ikarita abashe gukoresha Ikarita, I&M Bank izamuha PIN ikazaba iherekejwe n'Ikarita. Mu gihe hasabwe ko PIN yongera kohererezwa, keretse I&M Bank yabigennye ukundi ku buryo bwo gutanga PIN, PIN izoherezwa ku Mukoresha w'Ikarita (ku nyandiko yatanzwe mu fomu yo gusaba Ikarita) mu ibahasha ifunze. Niba ibahasha itari ifunze, cyangwa Umukoresha w'Ikarita asanze yarahinduwe, ntagomba gukoresha PIN, ahubwo agomba guhita amenyesha I&M Bank kuri +254 20 3221000 cyangwa ku indi nomero I&M Bank ishobora kugena igihe cyose. Iyo I&M Bank imaze kubona iryo tangazo riturutse ku Mukoresha w'Ikarita, ihagarika PIN, igakora indi nshya ikayohereza ku Mukoresha w'Ikarita. PIN nk'uko yakiriwe (mu ibahasha ifunze kandi itarahinduwe) ishobora gukoreshwa ku ATM yose ya I&M Bank, ATM ya Kenswitch cyangwa ATM ya MasterCard. PIN (nk'uko yatanzwe bwa mbere cyangwa nk'uko yaba yarahinduwe nyuma), ikoreshwa hamwe n'Ikarita cyangwa yigenga, n'ibikorwa cyangwa amabwiriza yatanzwe hakurikijwe iyo PIN, bifatwa nk'ibikorwa cyangwa amabwiriza yatanzwe n'Umukoresha w'Ikarita. Byongeye kandi, Umukoresha w'Ikarita azahabwa kandi I-PIN izakenerwa kugira ngo agere ku makuru ya konti ye binyuze kuri interineti. Abakoresha Ikarita bagomba kubungabunga urwego rumwe rw'umutekano kuri I-PIN nk'urw'PIN ya ATM yabo.
I&M Bank ntiyemeza kandi/cyangwa ngo itange ingwate ku Mukoresha w'Ikarita (cyangwa undi muntu uvuga ko akomoka ku Mukoresha w'Ikarita cyangwa ukorera mu izina rye) cyangwa ngo imwizeze ku Mukoresha w'Ikarita (cyangwa undi muntu uvuga ko akomoka ku Mukoresha w'Ikarita cyangwa ukorera mu izina rye) ku bijyanye n'ubuziranenge bw'ibicuruzwa byaguzwe/byakodeshejwe/byateganyijwe kugurwa cyangwa gukodeshwa cyangwa ubundi, na/cyangwa ku bijyanye n'serivisi zakoreshejwe/zateganyijwe gukoreshwa hakoreshejwe Ikarita ku muntu uwo ari we wese, harimo n'Abacuruzi/Ibigo bicuruza (Merchant Establishments), cyangwa ku gutinda kw'itangwa ry'ibicuruzwa/serivisi, kutagerezwa kw'ibicuruzwa/serivisi, cyangwa kwakira ibicuruzwa/serivisi byangiritse cyangwa bitujuje ubuziranenge hakoreshejwe Ikarita ku muntu uwo ari we wese, harimo n'Abacuruzi/Ibigo bicuruza (Merchant Establishments). Impaka cyangwa ibirego bijyanye n'ubuziranenge bw'ibicuruzwa byaguzwe/byakodeshejwe/byateganyijwe kugurwa cyangwa gukodeshwa cyangwa ubundi, na/cyangwa ku bijyanye n'serivisi zakoreshejwe/zateganyijwe gukoreshwa hakoreshejwe Ikarita ku muntu uwo ari we wese, harimo n'Abacuruzi/Ibigo bicuruza (Merchant Establishments), cyangwa ku gutinda kw'itangwa ry'ibicuruzwa/serivisi, kutagerezwa kw'ibicuruzwa/serivisi, cyangwa kwakira ibicuruzwa/serivisi byangiritse cyangwa bitujuje ubuziranenge hakoreshejwe Ikarita ku muntu uwo ari we wese, harimo n'Abacuruzi/Ibigo bicuruza (Merchant Establishments), bigomba gukemurwa hagati y'Umukoresha w'Ikarita (cyangwa undi muntu uvuga ko akomoka ku Mukoresha w'Ikarita cyangwa ukorera mu izina rye) n'uwo muntu/Ibigo bicuruza (Merchant Establishments) ntawe ubigejejeho I&M Bank.
Ibikurikira ni uburyo n'inzira byemewe kandi bizwi nk'itumanaho ry'ku mugaragaro hagati y'umukoresha w'ikarita na Banki, amashami yayo n'abahagarariye bemewe: 1.0 Ibaruwa yandikirwa aderesi y'aho atuye cyangwa aderesi y'iposita yanditswe 2.0 Gusura ku giti cyabo aho buri ruhande ruherereye 3.0 Itumanaho rikoresheje ikoranabuhanga, urugero nka telefoni, itumanaho rya telefoni igendanwa, aderesi ya imeri, numero za fagisi cyangwa ubutumwa bugufi (SMS) 4.0 Igihe itumanaho atari iry'umukoresha w'ikarita ku giti cye, binyuze mu gutangaza mu binyamakuru cyangwa mu bindi bitangazamakuru bikwiye. Umukoresha w'ikarita afite uburenganzira bwo guhindura amakuru y'itumanaho yatanze, binyuze kuri telefoni, telefoni igendanwa, imeri cyangwa serivisi z'iposita, cyangwa serivisi zo mu rugo. Umukoresha w'ikarita ashobora kandi guhitamo guhagarika kwakira itumanaho ryose ry'ku mugaragaro rya Banki rinyuze mu buryo bw'ikoranabuhanga, abimenyesha Banki ku mugaragaro. Banki izafata ko yamenyesheje umukoresha w'ikarita: 1.0 Mu kumwandikira ibaruwa – umukoresha w'ikarita afatwa ko yakiriye itumanaho igihe ryari kugezwa mu buryo busanzwe bw'iposita 2.0 Mu kumuha itumanaho ku giti cye cyangwa kulisiga ahari umukoresha w'ikarita; umukoresha w'ikarita azafatwa ko yarikiriye ku munsi ryatangiweho, cyangwa 3.0 Mu buryo bw'ikoranabuhanga, binyuze kuri imeri cyangwa ubutumwa bugufi (SMS); umukoresha w'ikarita azafatwa ko yarikiriye ku munsi ryoherejweho.
I&M Bank ifite uburenganzira bwo gutanga ku bakoresha ikarita serivisi runaka, uburanga n'ibindi bikorwa (memberships) n'izindi serivisi, ku biciro n'amabwiriza n'amasezerano nk'uko ibona ko bikwiye. I&M Bank ifite uburenganzira bwo gukuraho cyangwa kugabanya ibiciro no guhagarika izo nyungu igihe icyo ari cyo cyose, nta nteguza ibanje, kandi nta nshingano ifite ku mukoresha w'ikarita. Igihe konti y'ikarita ihagaritswe kubera kutubahiriza aya masezerano, serivisi n'inyungu zose zihagarikwa ako kanya. I&M Bank nta nshingano na imwe ifite ku mukoresha w'ikarita, mu gihe habaye amakosa cyangwa kutubahiriza mu gutanga izo serivisi, uburanga cyangwa ibindi bikorwa, cyangwa kutabitanga na gato, yaba ari I&M Bank, ikigo gicuruza (Merchant Establishment) cyangwa undi muntu wa gatatu uwo ari we wese. I&M Bank ifite uburenganzira bwo gukoresha amakuru umukoresha w'ikarita yatanze mu buryo bwo kwiyandikisha no mu bushakashatsi, ndetse n'amakuru ava mu zindi nkomoko zirimo raporo z'abaguzi, mu bikorwa byo kwamamaza bikorwa na I&M Bank/Affiliates. I&M Bank ishobora gukoresha aya makuru mu gutegura urutonde rw'abakira ubutumwa (mailing lists) rushobora gukoreshwa n'ibigo I&M Bank izakorana na byo mu gutegura ibyifuzo byo kwamamaza ku bakoresha amakarita. I&M Bank ifite uburenganzira bwo guhindura igihe cyose politiki, ibiranga n'inyungu zitangwa ku ikarita, kandi ishobora kumenyesha umukoresha w'ikarita ibyo bihinduka mu buryo bwose ibona ko bukwiye. Umunyamuryango w'ikarita azagengwa n'ibyo bihinduka keretse ikarita isubijwe I&M Bank ikurwaho mbere y'itariki ibihinduka bishyirwa mu bikorwa. Amakuru y'ibikorwa byose bikozwe hakoreshejwe ikarita n'umukoresha ashobora gusangizwa Ibigo bishinzwe gutanga amakuru ku nguzanyo (Credit Reference Agencies), abatanga inguzanyo na/cyangwa izindi nzego, mu rwego rwo gusuzuma ibyifuzo by'inguzanyo cyangwa izindi serivisi bisabwa n'umukoresha na/cyangwa abo mu muryango we, ndetse no mu rwego rwo gukumira uburiganya. Usibye uburenganzira rusange bwo guhuza cyangwa ubundi burenganzira buteganywa n'amategeko cyangwa andi masezerano, I&M Bank ishobora, nta nteguza, guhuza cyangwa gukusanya amafaranga ari ku ikarita hamwe n'izindi konti (cyangwa konti nyinshi) umukoresha afite muri I&M Bank n'Ibigo byayo bihuriweho (Group Companies), no gukura cyangwa kwimura amafaranga ari kuri izo konti mu kwishyura cyangwa mu gutanga ideni umukoresha afitiye I&M Bank hakurikijwe ikarita ye. Umukoresha w'ikarita agomba guhita amenyesha I&M Bank impinduka iyo ari yo yose ku buryo bwo kumenyeshwa (address) yagaragaye ku rupapuro rwo gusaba ikarita. I&M Bank ifite uburenganzira bwo guhindura aderesi y'umukoresha w'ikarita mu makuru yayo igihe impinduka nk'iyo imenyekanye ku buryo bwayo. Inshingano yo kwemeza ko I&M Bank yamenyeshejwe aderesi nyayo yo kumenyeshwa ni iy'umukoresha w'ikarita gusa, kandi I&M Bank ntiyemera inshingano zose mu gihe aderesi itari nyayo yatuma habaho igihombo cyangwa ideni ku mukoresha w'ikarita. Umukoresha w'ikarita yemera kubahiriza no kugengwa n'amabwiriza yose I&M Bank cyangwa Affiliates bayo bashyiraho igihe icyo ari cyo cyose ku bijyanye na serivisi zikoreshwa n'umukoresha w'ikarita, kandi yemeza ko ibikorwa byose bikozwe cyangwa binyujijwe mu buryo bwo gukora ibikorwa kure, harimo Interineti, World Wide Web, guhanahana amakuru hakoreshejwe ikoranabuhanga (electronic data interchange), Ikigo cy'Abahamagara (Call Centre), serivisi za telefoni (amajwi, amashusho, amakuru cyangwa ihuriro ryabyo), cyangwa binyuze mu buryo bw'ikoranabuhanga, mudasobwa, imashini zikora mu buryo bwikora cyangwa ubundi buryo bw'itumanaho, bishyirwaho na I&M Bank cyangwa Affiliates bayo, ku bijyanye na serivisi zitangwa, bizaba ibikorwa byemewe n'amategeko kandi bifite agaciro igihe bikozwe hubahirizwa amabwiriza n'amasezerano yashyizweho na I&M Bank cyangwa Affiliates bayo kuri izo serivisi, uko bishobora gushyirwaho igihe cyose. Umukoresha w'ikarita yemera ko, mu gihe yananiwe kwishyura cyangwa gusubiza amafaranga y'umwenda w'ingwate cyangwa inguzanyo/serivisi z'imari cyangwa inyungu/amafaranga ayo ari yo yose ayiturukaho, I&M Bank Limited na/cyangwa Banki Nkuru y'u Rwanda (BNR) bazaba bafite uburenganzira busesuye bwo gutangaza cyangwa gusohora amakuru y'uko kudashyira mu bikorwa kwishyura n'izina ry'umunyamuryango w'ikarita cyangwa abayobozi be/abafatanyabikorwa be/abakoresha ikarita bunganira, nk'uko bikwiye, nk'abanyuma b'imyenda, mu buryo n'inzira zose I&M Bank Limited cyangwa Banki Nkuru y'u Rwanda bazabona ko bikwiye mu bushishozi bwabo busesuye. Umukoresha w'ikarita atanga uburenganzira I&M Bank n'abayihagarariye guhanahana, gusangiza cyangwa gutanga amakuru yose ajyanye n'umukoresha w'ikarita, harimo ibisobanuro bye n'amakuru y'amateka y'kwishyura, n'amakuru yose ajyanye n'ikarita, ku Bigo byose bihuriweho na I&M Bank/Banki/Ibigo by'Imari/Ibiro by'Inguzanyo (Credit Bureaus)/Ibigo/Inzego za Leta, uko bisabwa, kandi yemera kutagira I&M Bank Limited ikosa. Ibindi bigo byose bihuriweho n'Itsinda rya I&M Bank n'abayihagarariye ntibazabazwa ibijyanye no gukoresha amakuru yavuzwe haruguru.
Ikarita yose itangwa ku bakoresha amakarita izaba ifite umupaka ntarengwa w'amafaranga ashobora gukoreshwa ushyirwaho na I&M Bank igihe cyose, hakurikijwe amabwiriza ya Banki Nkuru y'u Rwanda n'amategeko, amabwiriza n'amahame agenga ibikorwa biriho igihe icyo ari cyo cyose.
Umukoresha w'ikarita agomba guhita amenyesha I&M Bank binyuze ku Kigo cy'Itumanaho cya I&M Bank igihe yemeza ko ikarita cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe, cyangwa igihe PIN yamenyekanye n'undi muntu akaba yakwiyemeza kuyikoresha nabi. Iyi nshingano yo kumenyesha kandi ireba ingamba zose umukoresha w'ikarita yafashe (hakurikijwe inama zavuzwe haruguru cyangwa izindi ngamba zose zo kurinda PIN) igihe zaba zangiritse cyangwa zahungabanye. Igihe Ikigo cy'Itumanaho cya I&M Bank cyakira ubutumwa buvuye ku mukoresha w'ikarita, kizagerageza guhagarika ibindi bikorwa by'imari bisabwa hakoreshejwe ikarita, kandi kigerageze gukumira ikoreshwa ry'ikarita yatakaye, yibwe cyangwa yangiritse. Ikigo cy'Itumanaho cya I&M Bank kizafasha umukoresha w'ikarita gusimbuza ikarita yatakaye, yibwe cyangwa yangiritse. Umukoresha w'ikarita azishyura amafaranga yo gusimbuza ikarita nk'uko I&M Bank iyategeka. I&M Bank ishobora gufata izindi ngamba zo gusimbuza cyangwa kongera gutanga ikarita yaguzwe ku ntangiriro, uko ibona ko bikwiye, bitewe no kubahiriza amabwiriza, niba ahari, I&M Bank yashyizeho. I&M Bank izagerageza uko bishoboka kose gusimbuza ikarita mu gihe kitarenze amasaha 96 uhereye igihe imenyesheje ko ikarita yatakaye cyangwa yangiritse, cyangwa mu gihe kindi cyose I&M Bank isabwa. Nyuma yo guhagarika ikarita na PIN, umukoresha w'ikarita ntashobora kongera kuyikoresha, n'aho yaba ayibonye nyuma. Nyuma yo guhagarika ikarita, nta kwishyurwa kw'amafaranga kuzemerwa kuri iyo karita; icyakora, igihe ikarita isimbuwe, umukoresha w'ikarita ashobora gusaba I&M Bank kwimurira amafaranga asigaye ku ikarita, hakurikijwe andi mabwiriza yo muri aya masezerano.
Nyuma yo gutangwa kw'ikarita ya pulasitiki n'umubare wibanga wa ATM (ATM PIN) n'umubare wibanga wa WEB (WEB IPIN) bijyanye nayo, umufite ikarita azasabwa kwishyura amafaranga (Load) ku ikarita kugira ngo ikoreshwe. Amafaranga azashyirwa ku ikarita binyuze mu gusaba ishami ryose rya Banki ya I&M gukura amafaranga kuri konti y'umufite ikarita cyangwa gutanga amafaranga angana n'agaciro k'ibyo ashyiramo ku ishami. Kwishyura amafaranga no kongera kwishyura nyuma yaho bizajya bikorwa buri gihe mu mafaranga shingiro (Base currency), kandi nyuma yo kwishyura, umufite ikarita ashobora guhitamo kuyahindura akajya mu bikapu bitandukanye by'amafaranga (Currency Wallets) abishakamo, no gushyiramo ibyihutirwa mu gukoresha ayo mafaranga binyuze mu kwinjira kuri serivisi y'urubuga rw'abakiriya ba Banki ya Prepaid card. Amafaranga yo kwishyuza no kongera kwishyuza ikarita ntagomba guhabwa undi muntu uwo ari we wese usibye abakozi ba banki (Bank Tellers) bemewe na/cyangwa abakozi bahagarariye Banki bemewe nk'uko bimenyeshwa igihe cyose. Banki ya I&M ntibazabazwa igihombo icyo ari cyo cyose cyaba icy'imbere cyangwa icy'inyuma umufite ikarita yagira biturutse ku mafaranga yahawe undi muntu utari abakozi ba banki bemewe na/cyangwa abakozi bahagarariye Banki bemewe nk'uko bimenyeshwa igihe cyose.
Umufite ikarita ni we uzabazwa igihombo cyose giterwa no gukoresha ikarita, harimo n'ibihe bikorwa byavuzwe ko byakozwe nta burenganzira binyuze ku ikarita na/cyangwa umubare wibanga (PIN), cyangwa ibihe bivugwa ko habaye gukoresha nabi, gutakaza na/cyangwa kwibwa kwa ikarita na/cyangwa umubare wibanga. Ubwo bushingange bukomeza kugeza igihe: (i) Banki ya I&M imenyeshejwe ko ibyo bikorwa nta burenganzira byakozwe binyuze ku ikarita na/cyangwa umubare wibanga, cyangwa ko ikarita na/cyangwa umubare wibanga byakoreshejwe nabi, byatakaye cyangwa byibwe, na (ii) Banki ya I&M ihagaritse neza gukoreshwa kw'ikarita na/cyangwa umubare wibanga. Ibi bishobora kubamo: A. Kutarinda neza ikarita na/cyangwa umubare wibanga, harimo n'ibiterwa n'umufite ikarita, mu gihe:
- Yanditse cyangwa yandikishije ahandi umubare wibanga ku ikarita,
- Yanditse cyangwa yandikishije umubare wibanga ku kintu icyo ari cyo cyose gisanzwe kijyana cyangwa kibikwa hamwe n'ikarita mu buryo bushobora kumenyekana,
- Yatangaje ku bushake umubare wibanga ku muntu uwo ari we wese, cyangwa
- Yanze cyangwa yanze kubungabunga umutekano w'umubare wibanga ku mpamvu iyo ari yo yose (n'ubwo umufite ikarita yaba yarubahirije cyangwa yarakoresheje ingamba zisabwa cyangwa izindi ngamba), B. Gutinda kumenyesha ko habaye gukoreshwa nabi, gutakaza cyangwa kwibwa kwa ikarita na/cyangwa umubare wibanga, harimo n'ibiterwa n'umufite ikarita, mu gihe:
- Atamenyesheje Banki ya I&M vuba igihe amenyeye cyangwa amenyeshejwe ko habaye gukoreshwa nabi, gutakaza cyangwa kwibwa kw'ikarita na/cyangwa umubare wibanga, cyangwa
- Kutamenyesha I&M Bank ku gihe gikwiye igihe umuntu amenye cyangwa abonye ko PIN yamenyekanye n'undi muntu cyangwa igihe amenye cyangwa abonye ko hari ingamba zose zafashwe n'umukoresha w'ikarita (hakurikijwe inama zavuzwe haruguru cyangwa izindi ngamba zose zafashwe mu kubungabunga PIN) zahungabanye. I&M Bank ntizaryozwa ibikorwa bitemewe byakozwe hakoreshejwe ikarita na/cyangwa PIN, cyangwa ikarita na/cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe.
Amategeko y'u Rwanda ni yo agenga aya mabwiriza n'amategeko ndetse n'ikoreshwa ry'ikarita n'umukoresha wayo, ariko bigakurikiza amategeko, amabwiriza n'ibiteganywa n'u Rwanda cyangwa ibindi bihugu bigenga ikoreshwa ry'ikarita hanze y'u Rwanda. Impande zombi zemeranya ko ikirego cyose, ikirego cy'amategeko cyangwa imanza zivuka ku mabwiriza n'amategeko y'iyi karita zatanzwe n'umukoresha w'ikarita (cyangwa undi muntu wese uvuga binyuze cyangwa ku bw'umukoresha) bizazanwa mu rukiko cyangwa mu nkiko z'i Nairobi mu Rwanda, kandi impande zombi zemera burundu ubutegetsi bw'izo nkiko. Icyakora, I&M Bank ishobora, ku bushake bwayo bwose, gutangiza ikirego cyangwa imanza zivuka ku mabwiriza n'amategeko muri urundi rukiko cyangwa ahandi hakwiye hose mu bihugu byose, kandi umukoresha w'ikarita yemera ubwo butegetsi.
Ibi bikurikira ni ibihe bishobora gukoreshwa ivunjisha ry'amafaranga, haba mu gihe cyo gushyiramo amafaranga ku ikarita cyangwa mu gihe cyo kuyikoresha:
- Mu gihe cyo gushyiramo amafaranga bwa mbere cyangwa nyuma yaho, igihe umukoresha w'ikarita ahisemo kwimura amafaranga ava mu isakoshi y'ifaranga shingiro ajya mu zindi sakoshi z'amafaranga; igipimo gikoreshwa kizajya kigenwa buri munsi na Banki hashingiwe ku gipimo cyo kugura cyangwa kugurisha ifaranga cy'uwo munsi.
- Mu gihe cy'ubucuruzi ku kigo cyangwa mu gihe cy'ubucuruzi kuri internet cyangwa kuri ATM, aho ifaranga ry'ubwishyuritaboneka ku ikarita mu mafaranga yagenwe y'ikarita, icyo gihe Banki izahindura ubwishyu mu ifaranga rikurikiraho riboneka nk'uko ryashyizwe ku rutonde rw'ibanze rwashyizweho n'umukoresha w'ikarita; Banki izakoresha igipimo cy'ivunjisha cyagenwe kandi cyashyizweho na MasterCard nk'uko byavuzwe haruguru.
- Igihe umukoresha w'ikarita yimura amafaranga ava mu isakoshi y'ifaranga rimwe ajya mu y'irindi ifaranga kugira ngo ayakoreshe nyuma; igipimo gikoreshwa kizajya kigenwa buri munsi na Banki hashingiwe ku gipimo cyo kugura cyangwa kugurisha ifaranga cy'uwo munsi.
- Igihe Banki yimura amafaranga ava mu isakoshi y'ifaranga rimwe ajya mu y'irindi hakurikijwe aya Mabwiriza n'Amategeko; Banki izakoresha igipimo cyayo cyagenwe cy'uwo munsi.
- Igihe umukoresha wa kaboni afunze ikarita akanasaba kugaruzwa kw'amafaranga asigaye ku ikarita ari mu mafaranga atari Ifaranga Shingiro; banki izahindura amafaranga y'amahanga asigaye ikayahindura mu Ifaranga Shingiro ikoresheje igipimo cy'ivunjisha cy'uwo munsi cyashyizweho na banki. Igipimo cy'ivunjisha cyakoreshejwe mu gihe cyo Kwishyiramo amafaranga/Kongera kwishyiramo cyangwa mu gihe cyo Gukoresha ikarita gishobora guhinduka, kandi igipimo cy'umunsi ukurikiraho gishobora gutandukana. Umukoresha wa kaboni ashobora nyamara kuvugana n'ishami ryose rya I&M cyangwa itsinda ryacu ry'Ikigo gihamagarwamo kuri +254-20+3221111 kugira ngo abaze igipimo cy'ivunjisha gikurikizwa ku itariki runaka.
I&M Bank nta nshingano na imwe izaba ifite ku mukoresha w'ikarita ku bijyanye n'ibikorwa byose, ibirego, ibisabwa, imanza, igihombo, ibyangijwe, ikomerekeramubiri (harimo igihombo nyacyo cyangwa kigaragara ku izina ry'umuntu, gusebanya cyangwa ibisa na byo), amafaranga, ibiciro n'ibiciro byose byavuka mu buryo butaziguye cyangwa butaziguye biturutse ku: (i) ikoreshwa ry'ikarita na/cyangwa PIN; (ii) kwanga kwemera cyangwa gutanga serivisi ku ikarita n'umuntu uwo ari we wese cyangwa ibigo by'abacuruzi; (iii) ATM/POS zidakora neza cyangwa zitakora, byaba biterwa no kutemera ikarita na/cyangwa PIN cyangwa ikindi kintu cyose; (iv) gukoresha nabi cyangwa mu buryo bw'uburiganya ikarita n'umuntu uwo ari we wese, harimo n'umukoresha w'ikarita; (v) ibivuzwe n'umuntu uwo ari we wese usaba gusubiza cyangwa guhagarika ikarita cyangwa igikorwa icyo ari cyo cyose gikorwa n'umuntu uwo ari we wese bijyanye na byo; (vi) gutanga ikarita n'umukoresha wayo ku muntu utari umukozi wagenwe wa I&M Bank mu biro bya I&M Bank; (vii) I&M Bank gukoresha uburenganzira bwayo bwo gusaba no gutuma ikarita isubizwa mbere y'itariki yo kurangiriraho yanditse ku ikarita, byaba bisabwe cyangwa bigakorwa na I&M Bank cyangwa undi muntu cyangwa ATM/POS; (viii) I&M Bank gukoresha uburenganzira bwayo bwo guhagarika ikarita iyo ari yo yose; (ix) kwambura/guhagarika ikarita no/cyangwa gusaba ko isubizwa; (x) amakosa, gutanga amakuru atari yo, amakosa cyangwa kwibagirwa mu makuru yose yatanzwe kuri I&M Bank cyangwa na I&M Bank; (xi) guhagarika gutunganya ikarita na/cyangwa PIN bitewe n'uko ikarita irenze uburenganzira bw'ivunjisha bwateganyijwe n'amategeko, amabwiriza cyangwa itegeko ryubahirizwa igihe icyo ari cyo cyose cyangwa igihe I&M Bank imenyeye ko umukoresha w'ikarita arenze ubwo burenganzira; (xii) igihe hasabwa cyangwa hakenerwa kwishyura amafaranga asigaye cyangwa amafaranga yakiriwe arenze amafaranga yo kuri konti yakuwe ku mukoresha w'ikarita, yaba asabwa na I&M Bank cyangwa undi muntu uhagarariye I&M Bank; (xiii) itumanaho ryoherejwe mu buryo ubwo ari bwo bwose harimo fakisimile, Interineti, ATM, POS, sisiteme z'ishyuramo cyangwa ubundi buryo bwose binyuze mu murongo rusange cyangwa uwigenga udashobora gushyirwamo ibanga, bishobora guteza ibyago byo guhindurwa cyangwa gukoreshwa nta burenganzira; cyangwa (xiv) igihe ikarita ihagaritswe, isubikwa, ifungwa cyangwa idakoreshwa cyangwa igihe hahagarikwa uburyo bwo kugera ku mafaranga, cyane cyane igihe bigaragaye ko ari ngombwa kumenya niba umuntu afite uburenganzira bwo guhabwa amafaranga/gukoresha ikarita no/cyangwa igihe hagomba gufatwa izindi ntambwe zisabwa n'amategeko, amabwiriza cyangwa icyemezo cy'urwego rubishinzwe.
Umukoresha w'ikarita ashobora guhamagara Ikigo cy'Abakiriya cya I&M Bank, igihe hari ibibazo cyangwa ibirego byose bijyanye n'Ikarita cyangwa impapuro z'amafaranga zisohoka buri kwezi n'ibindi. Cyangwa se, umukoresha w'ikarita ashobora kohereza ubutumwa bwa imeri kuri I&M Bank ku iyo aderesi ya imeri ibigenewe. Byongeho, mu gihe hari ikirego, umukoresha w'ikarita agomba gutanga mu nyandiko ibisobanuro bihagije kandi by'ukuri kuri I&M Bank, kugira ngo ishobore gukora iperereza no gusubiza ikirego cyangwa ikibazo neza. Ibi bikurikira bigomba gutangwa muri ubwo butumwa: (i) Izina, aderesi n'umubare w'ikarita y'umukoresha. (ii) Ibisobanuro birambuye ku igurisha n'/cyangwa ikirego (harimo itariki y'igurisha n'aho ATM / Ikigo cyagurishirijwemo biherereye) n'impamvu umukoresha w'ikarita atemera igurisha cyangwa atanga ikibazo cyangwa ikirego; na (iii) Amafaranga yakoreshejwe mu igurisha. Igihe I&M Bank isaba andi makuru cyangwa inyandiko yo gukora iperereza cyangwa gukemura ikibazo, umukoresha w'ikarita yemera ku bwe gutanga ibyo bisabwa. Igihe ikibazo kitarangiye ku buryo umukoresha w'ikarita anyuzwe, I&M Bank ishobora kumumenyesha mu nyandiko cyangwa ubundi uko byagenda, ibyavuye mu iperereza ryayo n'uko ikirego cyakemuwe, niba cyarakemutse.
Inyemezabwishyu cyangwa undi musaruro wo kwishyura wasinyweho n'umucuruzi (Cardholder) kandi wakiriwe kuri Merchant Establishment kugira ngo wishyurwe bizafatwa nk'ibimenyetso bihamye byerekana ko amafaranga yanditswe kuri iyo nyemezabwishyu cyangwa kuri ubwo busabe bwo kwishyura yatanzwe neza na Cardholder akoresheje Card, keretse ku nyemezabwishyu cyangwa ku busabe bwo kwishyura bwasinyweho nyuma y'igihe Cardholder yamenyesheje I&M Bank ko habaye ibikorwa bitemewe byakozwe hakoreshejwe Card na/cyangwa PIN, cyangwa ko Card na/cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe, kandi I&M Bank imaze guhagarika neza iyo Card na/cyangwa PIN. Niba Cardholder ahisemo kutemera igiciro/amafaranga yagaragajwe kuri raporo ye y'konti, aho yahisemo kwakira raporo zisanzwe zijyanye na Card, agomba kubimenyesha I&M Bank mu minsi 30 (mirongo itatu) uhereye igihe yakiriye raporo, bitaba ibyo bikazafatwa ko ibiciro/amafaranga yose n'iyo raporo byemewe kandi byemewe na Cardholder. Mu bundi buryo bwose, niba Cardholder abona ko hari amafaranga yakuwe ku Funds mu buryo butari bwo, agomba kubimenyesha I&M Bank ako kanya. Iyo I&M Bank imaze kubona ayo makuru, ishobora gusubiza ku gihe gito ibyo biciro, kandi muri icyo gihe I&M Bank ifite uburenganzira bwo guhagarika kuri Card amafaranga angana n'ayasubijwe by'agateganyo. Ayo mafaranga yahagaritswe ntazaboneka kuri Cardholder kugeza igihe I&M Bank irangije iperereza no gukemura itandukaniro nk'uko I&M Bank ibona ko bikwiye. Iyo nyuma y'iperereza I&M Bank yemeje ko igiciro cyakuwe neza ku Funds za Cardholder, I&M Bank izasubizaho icyo giciro hamwe n'ikiguzi cyose cyangwa andi mafaranga mu raporo izakurikiraho.
Cardholder yemera ko amakuru ajyanye n'uko akoresha serivisi za Card yakorewe ahanahererekanywa hagati y'amabanki n'ibigo by'imari bitanga izo serivisi. Gusaba Card byemerwa hashingiwe ku kuba nta raporo mbi zerekana ubushobozi bwa Cardholder bwo kwishyura ihari. I&M Bank ishobora kumenyesha andi mabanki cyangwa ibigo by'imari ibyerekeye kudatanga amafaranga ku gihe kuri Card cyangwa gukurwaho kwa serivisi ya Card ya Cardholder. Hashingiwe ku kwakira raporo mbi (zijyanye n'ubushobozi bwa Cardholder cyangwa abagize umuryango we), I&M Bank ishobora, nyuma yo kubimenyesha mu nyandiko iminsi 15 mbere, guhagarika Card, icyo gihe amafaranga yose asigaye ku Card n'andi mafaranga yose azakoreshwa Card itarashyirwa ku konti, bizahita bishyurwa na Cardholder. I&M Bank ntizaba itegetswe kumenyesha Cardholder izina ry'banki cyangwa ikigo cy'imari yakiriye amakuru cyangwa yohereje amakuru.
I&M Bank ntizaba ifite inshingano ku bijyanye n'ireme rya serivisi zitangwa cyangwa ku gutinda kw'itangwa rya serivisi, kutagerwaho kwa serivisi, cyangwa kwakira serivisi zidafite ireme/zitujuje ubuziranenge zitangwa n'abatanga serivisi z'ubutabazi bw'ubuvuzi bwihutirwa, ubufasha mu rugendo n'ubufasha bw'abakozi bo mu mahoteli (concierge) cyangwa n'undi wese mu batanga izo serivisi bajyanye n'ikarita. Byongeho, I&M Bank ntizaryozwa ibikorwa, ibirego, ibisabwa, imanza, igihombo, ibyangijwe, ihungabana ry'umubiri (harimo igihombo nyakuri cyangwa icyibwira ko kiriho ku izina, gusebanya cyangwa ibindi bisa na byo), amafaranga, ibiciro n'ibyakoreshejwe byatewe n'umukoresha w'ikarita kubera ireme rya serivisi zitangwa cyangwa gutinda kw'itangwa rya serivisi, kutagerwaho kwa serivisi, cyangwa kwakira serivisi zidafite ireme/zitujuje ubuziranenge. Izi serivisi z'ubutabazi bw'ubuvuzi bwihutirwa, ubufasha mu rugendo n'ubufasha bw'abakozi bo mu mahoteli ntizihari ubu mu Rwanda. Izi serivisi ntizishobora kwimurwa kandi zitangirwa umukoresha w'ikarita gusa. Abatanga serivisi bafite uburenganzira bwo kugenzura imiterere y'umuntu mbere yo gutanga izi serivisi. Aho bishoboka, ibiciro, amafaranga n'amahoro bijyanye n'izi serivisi z'ubutabazi bw'ubuvuzi bwihutirwa, ubufasha mu rugendo n'ubufasha bw'abakozi bo mu mahoteli bizamenyeshwa umukoresha w'ikarita mbere y'uko akoresha iyo serivisi, hanyuma bikurwe mu mafaranga abitswe. Igihe itangwa ry'iyo serivisi ryakurikirwa no kwishyura kwo mu rwego rw'abatanga serivisi, icyo gikorwa cyo gutanga serivisi/kwishyura kiri ku buryo abatanga serivisi babanza kwishyurwa n'umukoresha w'ikarita binyuze ku ikarita ye cyangwa binyuze ku muryango we. Abatanga serivisi bazemeza ko abakoresha b'ikarita bahamagara basaba izi serivisi bamenyeshejwe neza ko umukoresha w'ikarita ari we wenyine ubazwa amafaranga yose y'abandi bantu ajyanye n'izi serivisi. I&M Bank cyangwa umutanga serivisi ntibazaryozwa ibiciro, amafaranga, amahoro cyangwa ibyakoreshejwe byose byashyizweho cyangwa byakwa n'undi muntu wa gatatu, kandi ibyo bizaba ari inshingano y'umukoresha w'ikarita wenyine.
Muri aya Mabwiriza n'Amasezerano, amagambo akurikira afite ibisobanuro bikurikira, keretse iyo imiterere y'ibiganiro yerekana ibitandukanye:
- “Ikarita” bivuga Ikarita y'Urugendo yo Kwishyura Mbere ya I&M Bank ya MasterCard y'Ifaranga ryinshi, itangwa na I&M Bank umukoresha w'ikarita.
- ‘’Umukoresha w'ikarita’’ bivuga umuntu cyangwa umuhagarariye wemewe w'uwo muntu wahawe ikarita n'Banki hakurikijwe aya mabwiriza n'amasezerano.
- “Umuhagarariye” bivuga isosiyete/umuntu wese wahawe uburenganzira na I&M Bank bwo kugurisha, gutunganya, kongera amafaranga no gusubiza amafaranga ku ikarita.
- ‘’ATM’’ bivuga imashini yikora itanga amafaranga igaragaza ikirango cya MasterCard cyangwa Maestro, ikoreshwa mu kubikuza amafaranga, aho, mu bindi, ikarita ishobora gukoreshwa mu kubikuza amafaranga.
- “Umukoresha w'ikarita” bivuga umukiriya wa I&M Bank wahawe ikarita hashingiwe ku busabe bwe, kandi wemerewe kugumana iyo karita.
- “Amafaranga” bivuga umubare w’amafaranga yaguzwe kandi ashyirwa kuri Karita n’Umukoresha wa Karita kuva kuri I&M Bank cyangwa abahagarariye, ku bijyanye na Karita yatanzwe, ndetse n’andi mafaranga yose yaguzwe nyuma n’Umukoresha wa Karita (hatabariwemo komisiyo y’igurisha cyangwa amafaranga y’ubucuruzi yahawe umuntu/abantu bemerewe na I&M Bank gukora ibyo, bakuye kuri bo Karita yaguzwe), hakuwemo amafaranga yakoreshejwe mbere n’amafaranga yose akurikizwa, ibiciro, amafaranga yo guhindura ifaranga, n’andi mafaranga yatanzwe bijyanye no gukoresha cyangwa gufata Karita.
- “I&M Bank” bivuga IKIGO I&M BANK LIMITED.
- “I&M Bank ATM” bivuga ATM ifitwe kandi icungwa na I&M Bank kandi yerekana ikirango cya I&M Bank.
- “Umucuruzi” bivuga umuntu wese ufite, ucunga cyangwa ukora ikigo cy’ubucuruzi.
- “Ibigo by’Ubucuruzi” bivuga ibigo byemera Karita.
- “PIN” bivuga Nimero y’Ibanga y’Umuntu itangwa Umukoresha wa Karita na I&M Bank, ikoreshwa hamwe na Karita ukurikije amategeko yayo.
- “POS Terminal” bivuga ibikoresho by’amashanyarazi byo gutangiriraho ibicuruzwa mu bigo by’ubucuruzi, haba mu Rwanda cyangwa mu mahanga, bishobora gukora Ibikorwa, aho Umukoresha wa Karita ashobora gukoresha Karita ye kugera ku mafaranga ye no kugura ibicuruzwa.
- “Urusobe Rusangiwe” bivuga ATM zitari iz’I&M Bank ariko zemera Karita zatanzwe na I&M Bank.
- “Ibikorwa” bivuga kubikuza amafaranga ku ATM no/cyangwa kugura ibicuruzwa mu bigo by’ubucuruzi hakoreshejwe Karita.
- “Ifaranga Shingiro” bivuga ifaranga shingiro Karita itangwa ikanishyurwaho.
- “Igipimo cyo Guhindura Ifaranga” bivuga igipimo cyagenwe cyo guhindura amafaranga, aho amafaranga ari mu gikapu kimwe ahinduka amafaranga ari mu kindi gikapu.
- “Doropiye y’Abanyamerika” bivuga igice shingiro cy’amafaranga mu Bamerika, kizwi hano nka “USD”, Dollar, “US $” cyangwa “$”.
- “Ponda y’Ubwongereza” bivuga igice gisanzwe cy’ifaranga mu Bwongereza, kizwi hano nka “GBP”, “Pound”, “Sterling Pound” cyangwa “£”.
- “Euro” bivuga ifaranga ryemewe ry’ibihugu binyamuryango by’Umuryango w’Uburayi byemeye Ubumwe bw’Ifaranga bw’Uburayi. 20 “Ifaranga ry’u Rwanda” bivuga igice shingiro cy’amafaranga mu Rwanda, kizwi hano nka “KES”, “KSHS” cyangwa “Ksh”.
Gukoresha Amafaranga mu zindi faranga atari Base currency Ikarita yatanzwe cyangwa umufuka w'amafaranga w'ifaranga ryahisemo (cyangwa ryahinduwe nyuma); Amafaranga azahindurwa mu ifaranga rishya hakurikijwe Ibipimo byo Guhindura Amafaranga (Currency Conversion Rates). Ibi bikubiyemo n'igihe Umucamanza w'Ikarita (Cardholder) akuye amafaranga kuri ATM mu ifaranga atari irya Ikarita yatanzwe cyangwa umufuka w'amafaranga w'ifaranga ryahisemo (cyangwa ryahinduwe nyuma). Igipimo cyo guhindura amafaranga ni cyo kingana n'amafaranga azakurwa ku mafaranga yawe mu guhindura ava mu ifaranga ry'Ikarita ajya mu rishya, hakurikijwe politiki n'amabwiriza ya MASTERCARD Worldwide akurikizwa igihe icyo gikorwa gitunganyirizwa. Ubu, politiki n'amabwiriza ya MASTERCARD Worldwide biteganya, mu bindi, ko igihe igikorwa gitunganyirizwa ku munsi umwe (haba mu gukuramo amafaranga cyangwa ubundi buryo), igipimo cyo guhindura amafaranga gikoreshwa ari kimwe muri ibi bikurikira:
- Igipimo cy'isoko ry'ubucuruzi rya rusange (wholesale) kiba gikurikizwa umunsi mbere y'uko igikorwa gitunganywa, cyangwa
- Igipimo ntarengwa cya Leta kiba gikurikizwa umunsi mbere y'uko igikorwa gitunganywa, cyongerwaho, muri ibyo byombi, igiciro cyashyizweho igihe cyose na MasterCard Worldwide. Nk'uko bisobanurwa mu gice cyabanje, Banki ya I&M yishyuza ibindi biciro/amafaranga yo guhindura ifaranga, kandi ayo azakurwa ku mafaranga. Ibi biri ukwabyo ku bindi biciro / amafaranga / ikiguzi / ibihembo cyangwa ibindi byose bisabwa na MasterCard Worldwide hakurikijwe ibivugwa haruguru.
Umukoresha w'ikarita yemera kandi akemeza ko amafaranga yose, ibiciro n'amafaranga y'ubukode bijyanye no gutanga cyangwa gukoresha Ikarita bishobora kuvanwa mu buryo bwikora mu mafaranga y'Umukoresha w'ikarita. Ibisobanuro by'ayo mafaranga, ibiciro n'amafaranga y'ubukode bikurikizwa ubu biboneka mu gitabo kiherekeza Ikarita. Ayo mafaranga, ibiciro n'amafaranga y'ubukode ashobora guhinduka igihe icyo ari cyo cyose na I&M Bank, kandi ibiciro bikurikizwa vuba aha bishobora kumenyekana uhamagara I&M Call Centre. Ibiciro, amafaranga n'amafaranga y'ubukode birimo amafaranga yo kubikuza n'igipimo cy'ivunjisha, kandi bishobora kurimo andi mafaranga/ibiciro/amafaranga cyangwa ibindi bisabwa n'abandi bantu (nk'uko bigaragazwa hepfo): Amafaranga yo kubikuza aratangwa kandi azavanwa mu mafaranga igihe cyose umukoresha w'ikarita abikuje kuri ATM. Byongeye kandi, ibiciro/amafaranga/amafaranga y'ubukode cyangwa ibindi bitegekwa kandi bigashyirwa mu bikorwa n'ba nyiri/abakora Umuyoboro Usangiwe nabyo bizakurikizwa kandi bizavanwa mu mafaranga igihe cyose hakurwa amafaranga kuri ATM iri mu Muyoboro Usangiwe. Umukoresha w'ikarita yemera kandi/cyangwa aha Banki uburenganzira bwo gukura mu konti y'ikarita ye/ye amafaranga y'ubukode n'andi mafaranga yose ku ikarita nk'uko yashyizwe mu gitabo cy'ibiciro cyamenyeshejwe Umukoresha w'ikarita. Keretse hagaragajwe ukundi, amafaranga yose azakurwa kuri konti y'ikarita mu Ifaranga Shingiro ubu risobanurwa nk'Amafaranga y'u Rwanda. Niba nta mafaranga ahagije ari mu gikapu cy'Ifaranga Shingiro kugira ngo yishyure ibiciro, Banki izakura amafaranga y'ubukode mu bikapu byose ihindura igikapu cyatoranyijwe mu Ifaranga Shingiro rihwanye, hakoreshejwe igipimo cy'ivunjisha cy'uwo munsi. Niba Umukoresha w'ikarita akoresha amafaranga mu ifaranga ritari risanzwe ikarita yatanzwemo cyangwa igikapu cy'ifaranga cyatoranyijwe, igipimo cy'ivunjisha kizazamurwa ku kigero cya 3% (cyangwa ikindi gipimo kiri hejuru cyangwa ikindi I&M Bank ishobora kugena igihe icyo ari cyo cyose), kandi ayo azavanwa mu mafaranga. Icyo gipimo gishobora guhindurwa na I&M Bank, nta cyemezo cy'Umukoresha w'ikarita, kandi icyo cyahinduwe nacyo kizakurikizwa kandi kizavanwa mu mafaranga. Ibisobanuro by'igipimo cy'ivunjisha biri mu gika cyitwa 'Igipimo cy'Ivunjisha'. Mu gihe amafaranga adahagije yo gukura ayo mafaranga, ibiciro n'amafaranga y'ubukode, I&M Bank ifite uburenganzira bwo kuyishyuza mu buryo butaziguye Umukoresha w'ikarita kandi/cyangwa mu konti zose (harimo konti zihuriweho) afite muri I&M Bank cyangwa mu bigo bifitanye isano nayo, kandi ndetse, guhagarika cyangwa guhagarika ibindi bikorwa byose bikorwa hakoreshejwe Ikarita. Umusoro cyangwa ikindi gihano cya Leta cyose kiterwa no gukoresha Ikarita kizaba inshingano z'Umukoresha w'ikarita, kandi niba gishyizwe kuri/gikuwe/cyashakwaho kuri I&M Bank (mu buryo butaziguye cyangwa butaziguye), icyo gihano cya Leta kizavanwa mu mafaranga kandi/cyangwa gikurwe mu buryo butaziguye ku Mukoresha w'ikarita kandi/cyangwa mu konti zose (harimo konti zihuriweho) afite muri I&M Bank cyangwa mu bigo bifitanye isano nayo.
Gukoresha no/cyangwa kugira ikarita ku mukoresha wayo bisabwa kubahiriza amategeko, amabwiriza, ibikurikizwa n'ibitegeko byose bireba, nk'uko byatangajwe n'Banki Nkuru y'u Rwanda cyangwa ikindi kigo gifite ububasha bukwiye hakurikijwe itegeko ryose ryemewe igihe icyo ari cyo cyose. Ikarita ishobora gukoreshwa hanze y'u Rwanda, bitewe n'amategeko, amabwiriza n'ibikurikizwa byemewe igihe icyo ari cyo cyose mu Rwanda, kandi bitewe n'imipaka cyangwa ibigabanyo bishyirwaho n'amategeko, amabwiriza n'ibikurikizwa igihe icyo ari cyo cyose mu gihugu ikarita ikoreshejwemo. Umukoresha w'ikarita ni we wenyine uzabazwa imbere y'inzego zibishinzwe igihe habaye kutubahiriza amategeko, amabwiriza n'ibikurikizwa byemewe igihe icyo ari cyo cyose. I&M Bank ntizabazwa igihombo cyangwa ibyangiritse byose, ibyo ari byo byose bitaziguye, bitari bitaziguye cyangwa biturutse ku ngaruka, bituruka cyangwa bifitanye isano no kutubahiriza amategeko, amabwiriza n'ibikurikizwa byemewe igihe icyo ari cyo cyose byakozwe n'umukoresha w'ikarita. Umukoresha w'ikarita ahereye ubu arishingira I&M Bank kandi yemera ko izarindwa ibirego byose, amafaranga n'ibiciro byose bituruka cyangwa biva ku kuba umukoresha w'ikarita atubahirije amategeko, amabwiriza n'ibikurikizwa byemewe igihe icyo ari cyo cyose. Igihe ikarita ihagaritswe (cyangwa ikoreshwa rigahagarikwa), byaba bitewe no kutubahiriza amategeko, amabwiriza n'ibikurikizwa byemewe igihe icyo ari cyo cyose cyangwa ibindi, I&M Bank ntizabazwa ikoreshwa cyangwa igerageza ryo gukoresha ikarita ryatuma ikarita yangirwa cyangwa ihakanwa. Ingaruka zo kwemera ikarita yahagaritswe (kandi/cyangwa yahagaritswe by'agateganyo) igihe yerekanwe ziba ku wayiguze cyangwa ku mukoresha w'ikarita ku giti cye. Igihe habaye gukekwa cyangwa kugaragara ko hari kutubahiriza amabwiriza y'ivunjisha cyangwa gukoresha ikarita nabi, harimo no kunyereza amafaranga, I&M Bank ishobora, nk'uko ibyemeza yonyine kandi itagira ingano, guhagarika cyangwa guhagarika by'agateganyo ikarita itabanje kubimenyesha, kandi gusubizwa kw'amafaranga asigaye bizakurikiza amabwiriza y'amategeko azatangwa mu gihe kiri imbere.
I&M Bank ifite uburenganzira bwo guhindura, igihe icyo ari cyo cyose, aya Mabwiriza n'Ibihano, ibiranga n'inyungu bitangwa ku ikarita harimo ariko bitagarukiye ku mpinduka zigira ingaruka ku mafaranga asigaye, ibiciro cyangwa ibipimo n'uburyo bwo kubibara.
Mu rwego rwo gufasha I&M Bank guha Umukoresha wa Karita Karita n'ibikoresho bijyanye na yo, Umukoresha wa Karita aremeye ku mugaragaro kugira indishyi I&M Bank no kuyirinda ibirego byose, amakimbirane, ibisabwa, imanza, igihombo, ibyangijwe, impanuka z'umuntu ku giti cye, amafaranga y'ikurikiranarubanza (harimo n'amafaranga y'abavoka), amafaranga yo gutanga serivisi n'ibindi bikoreshwa byose I&M Bank ishobora kugira igihe icyo ari cyo cyose, byaterwa cyangwa biturutse ku: (i) gutanga Umukoresha wa Karita ikoreshwa ry'iyo Karita, (ii) kuba I&M Bank yarakoze mu buryo bwiza, igakora, ntikore cyangwa igahagarika igikorwa ku mabwiriza y'Umukoresha wa Karita, (iii) uburangare, amakosa cyangwa imyitwarire mibi by'Umukoresha wa Karita (ku buryo butaziguye cyangwa butaziguye), (iv) kutubahiriza cyangwa kutubahiriza aya mabwiriza n'amasezerano, (v) uburiganya cyangwa kutaba inyangamugayo ku bijyanye n'igikorwa cyose cy'Umukoresha wa Karita cyangwa abakozi be cyangwa abamuhagarariye, (vi) ikosa cyangwa gutsindwa kw'imashini ya ATM/POS cyangwa ikindi kibazo cy'imashini/sisitemu, (vii) gukusanya amafaranga yose akwiye kwishyurwa (harimo amafaranga, ibiciro n'amafaranga y'ubwishyu bikwiye) n'Umukoresha wa Karita, na/cyangwa (viii) gutakaza cyangwa kubura kwa Karita na/cyangwa PIN mu nzira yo koherezwa n'umutwara w'ibintu. Byongeye kandi, nk'uko byavuzwe mbere, Umukoresha wa Karita yemeye kandi kugira indishyi I&M Bank no kuyirinda ibirego byose, amafaranga n'ibisabwa byose biturutse ku kutubahiriza amategeko, amabwiriza n'amabwiriza akurikizwa igihe cyose.
I&M Bank ifite uburenganzira bwo kugabanya amafaranga ashobora gukoreshwa mu gukora igikorwa cyose ukoresheje Karita ku munsi cyangwa mu gihe runaka cyagenwe. Ibyuma bya ATM cyangwa Ibigo bicuruza nabyo bishobora kugabanya cyangwa guhagarika umubare w'ibikorwa bishobora gukorwa ukoresheje Karita. Ibi bigabanyo bizatandukana ku buri ATM na/cyangwa Ikigo gicuruza. I&M Bank ntizaba ishinzwe kumenya cyangwa kumenyesha Umukoresha wa Karita ibi bigabanyo/imbibi, kandi ntizaryozwa igihombo icyo ari cyo cyose Umukoresha wa Karita yagize kubera ibi bigabanyo, imbibi cyangwa kutareshya kw'ibikorwa bisabwa kuri ATM na/cyangwa Ibigo bicuruza.
Abakoresha Karita bashobora guhabwa inyungu zimwe z'ubwishingizi ku giciro runaka hamwe na Karita. Ubwishingizi buzarangira igihe Karita izarangiriraho cyangwa igihe izaba ihagaritswe n'Umukoresha wa Karita cyangwa na I&M Bank, nk'uko bimeze. Ibirego byose bivuka mu bwishingizi bizoherezwa ku kigo cy'ubwishingizi bireba kandi bigakemurwa nacyo, I&M Bank ntizaba ishinzwe ibirego byose bivuka mu bwishingizi, ariko banki izafasha mu koroshya gutunganya ibirego hamwe n'ikigo cy'ubwishingizi kireba.
Konti y'Ikarita iracyemewe kugeza igihe umukoresha w'ikarita azasabira Banki kuyifunga cyangwa Banki ikayifunga hakurikijwe aya Mabwiriza n'Amategeko, icyaba cyabanje, ndetse n'iyo ikarita nyirizina yaba itakiri mu gihe cyayo. Mbere yo gusaba gufunga konti y'ikarita, umukoresha w'ikarita ashobora gusaba kwishyurwa amafaranga yose asigaye ku Ikarita, ayo akaba ayishyurwa ku ishami ryose rya I&M Bank haba mu mafaranga y'intoki ku kaunta cyangwa binyuze kuri konti y'umukiriya ku ishami. Amafaranga asigaye azishyurwa mu Mafaranga Shingiro, akuweho amafaranga yo gufunga ikarita nk'uko yashyizwe mu mbonerahamwe y'amafaranga yatangajwe ukwayo. Umukoresha w'ikarita agomba gutanga ikarita ya plastike hamwe n'icyifuzo cyo gufunga konti; ishami rishinzwe gufunga konti rizemeza ko ikarita ya plastike yakiriwe kandi ritangire ako kanya inzira yo gufunga.
Ikarita ituma Umukoresha w'ikarita abona Amafaranga mu ntoki abikuza kuri ATM na/cyangwa amenya amakuru y'umubare w'amafaranga asigaye ku Ikarita kuri ATM/POS (yaba iya I&M Bank cyangwa Urusobe Rusangiwe) cyangwa akishyura ku Bacuruzi binyuze kuri POS. Amafaranga yikuwe kuri ATM hanze y'u Rwanda hakoreshejwe Ikarita, azaba mu mafaranga yemewe n'Urusobe Rusangiwe rufite/rukoresha ATM yakoreweho ibikorwa byo kubikuza. Ingana na ayo mafaranga mu mafaranga konti y'Umukoresha w'ikarita ibitsweho, hakurikijwe amafaranga yongerewe yo gutunganya, amafaranga yo guhindura ifaranga cyangwa andi mafaranga yose, niba hari, yakwishyurwa hakurikijwe amabwiriza ya MasterCard Worldwide ajyanye n'ibyo bikorwa, azakurwa na I&M Bank mu mafaranga y'Umukoresha w'ikarita. Nta nyungu, ingurane cyangwa inyungu/igihembo na kimwe cyishyurwa na I&M Bank cyangwa undi muntu wese ku Mukoresha w'ikarita ku bijyanye n'Amafaranga, kandi ntibimuha uburenganzira ku nguzanyo cyangwa ikirenze ku mafaranga afite. Nubwo hari ibivugwa hano hose, I&M Bank ishobora igihe icyo ari cyo cyose, idatanze itangazo cyangwa impamvu, guhagarika cyangwa guhagarika burundu serivisi zose cyangwa zimwe muri zo cyangwa gukoreshwa kwazo n'Umukoresha w'ikarita. Ibivugwa byose muri aya mabwiriza n'Amategeko bigamije gusobanura neza ibyo bivuga bizakomeza gukurikizwa nyuma yo guhagarikwa cyangwa guhagarikwa burundu kw'iyo serivisi na/cyangwa gukoreshwa kwayo n'Umukoresha w'ikarita, kandi bizakomeza gukurikizwa byuzuye nyuma yo guhagarikwa cyangwa guhagarikwa burundu k'Ikarita. Nubwo habayeho guhagarikwa cyangwa guhagarikwa burundu, Umukoresha w'ikarita azakomeza kubahiriza aya mabwiriza n'Amategeko igihe agifite aho ahuriye n'inshingano cyangwa ibyo ashinzwe bitarakorwa cyangwa ngo birangire. Abakoresha b'ikarita bashobora kandi rimwe na rimwe kubona serivisi z'ubutabazi, iz'ubuvuzi n'iz'ingendo n'iz'ubufasha bwihariye (concierge), uko I&M Bank ibiteganya ku bushake bwayo bwose. Izo serivisi zishobora gukurwaho, guhagarikwa, kuvanwaho, guhagarikwa by'agateganyo cyangwa guhagarikwa burundu na I&M Bank igihe icyo ari cyo cyose ku bushake bwayo bwose.
Umuntu ku giti cye cyangwa ikigo cyose cyemewe gishobora gusaba gutangwa kwa Karita binyuze mu Ishami ryose rya I&M Bank cyangwa Umukozi wemewe n'Banki. Gutangwa kwa Karita biterwa n'uko umusaba yubahiriza ibiteganywa n'amategeko, amabwiriza, amabwiriza ngenga n'ingingo zitangwa n'Banki Nkuru y'Igihugu cy'u Rwanda cyangwa izindi nzego zibishinzwe hakurikijwe itegeko ryose ryemewe igihe cyose. I&M Bank ishobora, mu bushishozi bwayo bwose kandi butagira uwo bubaza, kwanga gutanga Karita cyangwa guhagarika Karita yatanzwe nta nteguza, iyo amabwiriza yo kumenya umukiriya (know-your-customer) n'ayo kurwanya kunyereza amafaranga atubahirijwe, cyangwa iyo ifite impamvu cyangwa gushidikanya ko Umufite Karita yarenze cyangwa agamije kurenga amabwiriza yose yo guhanahana amafaranga cyangwa ikoreshwa. Umusaba Karita azasabwa kuzuza no gutanga urupapuro rwo gusaba rwasinywe neza nk'uko I&M Bank ibisaba igihe cyose, ndetse no gutanga inyandiko zose zishobora kuba ngombwa cyangwa zisabwa. Igihe Karita imara gukoreshwa ni imyaka 5 uhereye igihe yakorewe. Igihe ibisabwa byose byubahirijwe, Karita izaba yatangiye gukora mu gihe cy'amasaha 48 nyuma yo kwakira amafaranga n'izindi nyandiko zisabwa ku Ufite Karita. Igihe Karita imaze kugurwa, Ufite Karita ashobora gusaba ishami ryose rya I&M Bank cyangwa Umukozi kumwongerera amafaranga runaka (hakurikijwe imipaka y'amafaranga make n'menshi ashobora kwinjizwa, nk'uko I&M Bank ibigena mu bushishozi bwayo igihe cyose). Igihe Karita imaze gutangwa, Ufite Karita agomba gushyira umukono ku nyuma ya Karita. Karita yose I&M Bank ishobora gutanga ku musaba ni umutungo wa I&M Bank, ntishobora kwimurwa, kandi izemerwa gusa ku bigo bikorana na yo igihe Karita igaragaza umukono w'Ufite Karita inyuma yayo kandi igihe igaragarijwe Umufatanyabikorwa wemewe n'Ufite Karita.
Ufite Karita yemera ko I&M Bank ishobora kwegurira, kwimurira cyangwa guha undi muntu uwo ari we wese uburenganzira n'inshingano zayo zose zijyanye na Karita y'Ingendo / Karita ya Safari, uko ibona bikwiye mu bushishozi bwayo, idasabye uburenganzira bw'Ufite Karita.
Wemera aya Mabwiriza n'Ibigenderwaho mu buryo bumwe muri ibi bikorwa bikurikira:
- Gushyira umukono ku Rupapuro rwo Gusaba
- Gushyira umukono inyuma ya Karita
- Gutangira gukoresha Karita ukoresheje kuyishyiramo amafaranga cyangwa kongeramo andi, cyangwa ukoresha
- Karita kuri ATM iyo ari yo yose, aho bacuruza cyangwa kuri urubuga rwa interineti
- Kwemerera ko Karita ya Kabiri itangwa ku konti yawe
- konti
- Ubundi buryo bwose bugaragaza kwemera no gufata Karita
Amategeko n'Amabwiriza y'Amakarita ya I&M Visa Yishyuwe Mbere
Ikarita ishobora gukoreshwa mu kubona amafaranga kuri buri ATM ku isi yose yerekana ikirango cya Visa Electron cyangwa Plus cyangwa Bendera ya Visa kandi yemera izo karita. Kugira ngo ukure amafaranga, Umunyekarita azakenera kwinjiza ikarita muri ATM, akande PIN, hanyuma yandike umubare w'amafaranga yifuza. Ikarita igomba gusubizwa nyuma y'iyo mikoreshereze. Umunyekarita kandi ashobora gukoresha ikarita mu kwishyura amafaranga yatanzwe ku Bigo by'Abacuruzi, hashingiwe ku kuba I&M Bank n'Ibigo by'Abacuruzi bifite uburenganzira bwo guhora igihe icyo ari cyo cyose bwo kwanga gukoresha ikarita ku Kigo cy'Umucuruzi ku mpamvu iyo ari yo yose. Amafaranga y'buri guhaha cyangwa kubikuza amafaranga akoresheje ikarita azakurwa ako kanya mu mafaranga y'Umunyekarita. Igihe nta mafaranga ahagije ahari yo kwemeza igikorwa cyasabwe, igikorwa ntikizemerwa. Umunyekarita ashobora gutanga ikarita igihe icyo ari cyo cyose no kubona kwishyurwa amafaranga asigaye, akuzuza urupapuro rwo gusaba kwishyurwa rwateganyijwe na I&M Bank, hamwe n'kopi y'pasiporo/indangamuntu y'Umunyekarita, ikarita n'izindi nyandiko zose I&M Bank isaba. Kwishyurwa bizakorwa mu mafaranga y'aho guhahira gusa. Gukoresha ikarita ahantu hatemewe cyangwa mu mpamvu itari iyavuzwe muri aya mabwiriza n'amategeko ni ibintu bibujijwe rwose kandi bishobora gutuma I&M Bank ihagarika ikarita. I&M Bank ntizabazwa igihombo icyo ari cyo cyose, cyaba icy'ako kanya cyangwa icy'ubundi buryo, cyashobora guhura nacyo Umunyekarita kubera gukoreshwa nabi cyangwa guhagarikwa kw'ikarita.
Buri tegeko ryo mu mabwiriza n'amategeko agenga ibi bihano ryigenga kandi ritandukanye n'andi, kandi igihe icyo ari cyo cyose, kimwe cyangwa byinshi muri ayo masezerano bibaye binyuranyije n'amategeko cyangwa ntibishobore gushyirwa mu bikorwa mu buryo ubwo ari bwo bwose hakurikijwe amategeko y'ubutegetsi ubwo ari bwo bwose, ubwemewe, ubuziranenge cyangwa ubushobozi bwo gushyirwa mu bikorwa kw'andi masezerano ntibizagirwaho ingaruka mu buryo ubwo ari bwo bwose. Nta gikorwa, gutinda cyangwa kwibagirwa kwa I&M Bank bizagira ingaruka ku burenganzira, ububasha n'uburyo bwo kwikemura bifite hakurikijwe amabwiriza n'amategeko agenga ibi bihano cyangwa indi myitwarire yose y'ubwo burenganzira, ububasha cyangwa uburyo bwo kwikemura. Uburenganzira n'uburyo bwo kwikemura bikubiye muri aya mabwiriza n'amategeko ni ibyongerera hamwe kandi ntibibuza ibindi burenganzira n'uburyo bwo kwikemura biteganywa n'amategeko.
Umunyekarita agomba kubungabunga ibanga, umutekano n'uburinzi bwa PIN, kandi amenye ko kutubahiriza ibanga, umutekano cyangwa uburinzi bwa PIN bishobora gutuma Umunyekarita abazwa inshingano ku ikarita ku bw'ikoreshwa rya PIN. Umunyekarita yemera ko umutekano w'ikarita na PIN ari ingenzi cyane. Umunyekarita natubahiriza umutekano w'ikarita na PIN, ashobora kwishyura igihombo cyose yagize (harimo igihombo cy'amafaranga yose cyangwa igice cyayo) bitewe no gukoresha ikarita nta burenganzira. I&M Bank irasaba Umunyekarita kubahiriza/gukurikiza ingamba zikurikira, usibye izindi ngamba zose Umunyekarita yabona ko zikwiye, mu rwego rwo kurinda PIN:
- Umunyekarita ntagomba gutangariza PIN umuntu uwo ari we wese.
- Umunyekarita agomba kwitonda mu gukumira ko hagira umuntu uwo ari we wese ubona PIN igihe yinjizwa muri ATM.
- Umunyekarita agomba kwibuka PIN hanyuma akayisibanganya mu nyandiko iyo ari yo yose, kandi ntayandike ahantu hose kugira ngo hirindwe ko undi muntu wa gatatu ayigeraho.
- Umunyekarita ntagomba kwandika cyangwa kugaragaza PIN ku ikarita.
- Umukoresha w'ikarita ntagomba kwandika PIN mu buryo bworoshye kumenyekana ku kintu cyose gisanzwe gitwarwa cyangwa kibikwa hamwe n'ikarita, bishobora gutuma PIN itakara cyangwa igacibwa rimwe n'ikarita.
- Umukoresha w'ikarita ntagomba gutwara PIN hamwe n'ikarita cyangwa ngo ayandikire ahandi, n'iyo yaba yahishe neza. Inama zavuzwe haruguru ntizisobanura ibintu byose.
I&M Bank ifite uburenganzira bwo guhagarika, guhagarika by'agateganyo, gufunga cyangwa kwanga gukoresha ikarita/kugera ku mafaranga, mu gihe gito cyangwa burundu, igihe habaye kimwe muri ibi bikurikira: (1) kutubahiriza cyangwa kutubahiriza amabwiriza n'amategeko agenga iyi serivisi; (2) kugwa mu ikosa ryo kutubahiriza amasezerano cyangwa icyemezo icyo ari cyo cyose (cyaba giteganyijwe cyangwa atari cyo) cyangwa ibisa nabyo cyagiranye na I&M Bank cyangwa n'amashami yayo; (3) umukoresha w'ikarita agwa mu bihombo, mu gutangira kw'inzira zo gutakaza ubushobozi bwo kwishyura cyangwa mu zindi nzira zisa na zo; (4) urupfu rw'umukoresha w'ikarita; (5) igihe bibaye ngombwa kumenya niba umuntu runaka afite uburenganzira bwo kwakira amafaranga/gukoresha ikarita, cyangwa igihe hakenewe izindi ntambwe zisabwa n'amategeko, amabwiriza n'ibisabwa n'inzego zibishinzwe.
Igihe amafaranga yashyizwe ku ikarita yose ashize, umukoresha w'ikarita ashobora kongera kuzuza ikarita kuri buri mukozi uhagarariye cyangwa ku ishami rya I&M Bank, hakurikijwe amategeko, amabwiriza n'ibisabwa bikurikizwa igihe cyose. Igihe umukoresha w'ikarita ashaka kongera kuzuza ikarita, I&M Bank ifite uburenganzira bwo: (1) kugena umubare w'amafaranga ashobora kongerwa ku ikarita; (2) kugena inshuro amafaranga ashobora kongerwamo ku ikarita; (3) kwanga igikorwa cyo kongera amafaranga, ku bushake bwayo bwonyine. Kugira ngo ikarita yongerwemo amafaranga, umukoresha w'ikarita agomba kuzuza urupapuro rwabigenewe no gutanga amakuru amwe ajyanye n'umukoresha w'ikarita/ikarita, nk'uko I&M Bank ibisaba. Amafaranga azongerwa ku ikarita azaba ari mu mafaranga yari ikarita yatanzwe ari yo. Umubare w'amafaranga yongerwa ugomba kubahiriza byimazeyo imipaka yagenwe n'amategeko, amabwiriza n'ibisabwa bikurikizwa igihe cyose. Amafaranga asigaye ku makarita yarangiye azafatwa niba atabazwe nyuma y'amezi 2 ikarita irangiye.
Inyemezabwishyu z'ikoranabuhanga (ATM): Igihe Umukoresha w'ikarita akoresheje ATM mu gukora ubucuruzi, agomba kwemeza ko abona kandi agenzura inyemezabwishyu cyangwa inyandiko yakiriwe, niba ihari, ikomoka kuri ATM icyo gihe. Amakuru y'Amafaranga asigaye: ATM cyangwa inyemezabwishyu/inyandiko, niba ihari, bishobora kugaragaza amafaranga asigaye ku Ikarita igihe ikoreshejwe kuri ATM icyo gihe. Umukoresha w'ikarita kandi ashobora kubona amakuru ku mafaranga asigaye aboneka, ahamagara ikigo cy'imirimo y'abakiriya cya I&M Bank. Amateka: Umukoresha w'ikarita ashobora kubona amateka y'ibikorwa by'ubucuruzi binyuze mu kwinjira kuri konti y'ikarita ku rubuga rwa interineti rwa I&M Bank akoresheje Nimero y'Umukoresha (User Identification Number) yahawe hamwe na I-PIN.
Niba Umukoresha w'ikarita yakiriye amafaranga arenze Amafaranga yemerewe, yemera kwishyura I&M Bank vuba ayo mafaranga yose hakurikijwe amabwiriza n'ibisabwa I&M Bank ishobora kugena. Niba I&M Bank ifite impamvu zifatika zo kwizera ko Umukoresha w'ikarita yakiriye amafaranga arenze ayo yasabye, kubera impamvu yose yaba iyo ari yo yose (harimo ikibazo cya ATM, POS cyangwa ibindi bikoresho, cyangwa sisitemu ya I&M Bank), I&M Bank izabimenyesha Umukoresha w'ikarita kandi izakura ayo mafaranga arenze ku Mafaranga yemerewe hakurikijwe amabwiriza n'ibisabwa I&M Bank ishobora kugena. I&M Bank kandi yiharira uburenganzira bwo kugarura ayo mafaranga arenze ku konti iyo ari yo yose y'Umukoresha w'ikarita ifitwe muri yo cyangwa mu ma sosiyete yo mu itsinda ryayo, yaba konti ihuriweho cyangwa konti imwe, cyangwa ubundi buryo, cyangwa kandi/cyangwa uburenganzira bwo gusaba Umukoresha w'ikarita, nyuma yo kumumenyesha, kwishyura ako kanya ayo mafaranga arenze, hakurikijwe amabwiriza n'ibisabwa I&M Bank ishobora kugena. Igihe habaye gusaba cyangwa kuregwa kwishyura imyenda isigaye/amafaranga yakiriwe arenze Amafaranga yemerewe, yaba ari I&M Bank cyangwa undi muntu uhagarariye I&M Bank, Umukoresha w'ikarita yemera kandi akemeza ko azishyura I&M Bank igihe cyose bisabwe kandi nta mananiza, amafaranga yose asigaye ku Ikarita na/cyangwa amafaranga yakiriwe arenze Amafaranga yemerewe. Nta kintu na kimwe muri aya mabwiriza n'ibisabwa kizabangamira uburenganzira bwa I&M Bank bwo gufata ingwate (lien), kugabanya cyangwa guhererekanya no gukoresha amafaranga hakurikijwe amategeko cyangwa andi masezerano yose abaho igihe kiri hagati ya I&M Bank n'Umukoresha w'ikarita.
Nta muntu ushobora gusaba cyangwa kubona amakarita menshi. Igihe umukoresha w'ikarita yaba yarabonye amakarita mu bihe byabanje, mu gihe icyo ari cyo cyose, ikarita ya nyuma yatanzwe ku mukoresha w'ikarita ni yo izaba yemewe kandi ikora, keretse igihe yahagaritswe cyangwa iveyeho na I&M Bank.
Kugira ngo Umukoresha w'Ikarita abashe gukoresha Ikarita, I&M Bank izamuha PIN, ikazaba iherekeje cyangwa ishyizwe mu Ikarita. Mu gihe hasabwe kohererezwa PIN ubundi, keretse I&M Bank igennye ubundi buryo bwo kohereza PIN, PIN izoherezwa ku Mukoresha w'Ikarita (ku nyandiko yatanzwe mu rupapuro rusaba Ikarita) mu gahahamuni gafunze. Niba gahahamuni kadafunze neza, cyangwa Umukoresha w'Ikarita abonye ko yahinduwe, Umukoresha ntagomba gukoresha PIN, ahubwo agomba guhita amenyesha I&M Bank kuri +254 20 3221000 cyangwa ku indi nomero I&M Bank ishobora kugena igihe cyose. Igihe I&M Bank imaze kubona ubu butumwa buturutse ku Mukoresha w'Ikarita, izahagarika PIN, ibyare indi PIN nshya kandi yoherereze Umukoresha. PIN, uko yakiriwe (mu gahahamuni gafunze, kandi itarahinduwe), ishobora gukoreshwa kuri ATM iyo ari yo yose. PIN (nk'uko yatanzwe bwa mbere cyangwa nyuma yo guhindurwa), ikoreshwa hamwe n'Ikarita cyangwa yigenga, ndetse n'ibikorwa cyangwa amabwiriza ayikomokaho, bifatwa nk'ibikorwa cyangwa amabwiriza byakozwe cyangwa byatanzwe n'Umukoresha w'Ikarita. Byongeye kandi, Umukoresha w'Ikarita azahabwa kandi I-PIN izakenerwa mu kugera ku makuru ya konti ye binyuze kuri interineti. Abakoresha Ikarita bagomba kubungabunga urwego rumwe rw'umutekano ku I-PIN nk'uko babikora ku PIN yabo.
Ikarita ishobora gukoreshwa kuri interineti kandi Umukoresha w'Ikarita ni we uzabazwa ingaruka zose zijyanye n'ubwo bucuruzi. Umukoresha w'Ikarita ashobora kandi kubona amakuru ku Ikarita binyuze ku rubuga www.imbank.com, harimo amafaranga asigaye ku konti n'incamake y'ibikorwa byakozwe, ndetse no guhagarika Ikarita. Muri uwo mugambi, Umukoresha w'Ikarita azahabwa I-PIN.
I&M Bank ntabwo itanga ibisobanuro cyangwa ingwate ku mukoresha w'ikarita (cyangwa umuntu wese ukomoka ku mukoresha w'ikarita cyangwa ufite uburenganzira bwe) cyangwa ngo itange icyizere ku mukoresha w'ikarita (cyangwa umuntu wese ukomoka ku mukoresha w'ikarita cyangwa ufite uburenganzira bwe) ku bijyanye n'ubwiza bw'ibicuruzwa byaguzwe/byakodeshejwe/byateganyirizwa kugurwa cyangwa gukodeshwa cyangwa ubundi, na/cyangwa ubwiza bwa serivisi zakoreshejwe/zateganyirizwa gukoreshwa hakoreshejwe ikarita ku muntu uwo ari we wese harimo n'ibigo by'abacuruzi, cyangwa ku gutinda gutanga ibicuruzwa/serivisi, kutagezwa kw'ibicuruzwa/serivisi, cyangwa kwakira ibicuruzwa/serivisi bifite inenge cyangwa bitujuje ubuziranenge bikozwe hakoreshejwe ikarita ku muntu uwo ari we wese harimo n'ibigo by'abacuruzi. Impaka cyangwa ibirego bijyanye n'ubwiza bw'ibicuruzwa byaguzwe/byakodeshejwe/byateganyirizwa kugurwa cyangwa gukodeshwa cyangwa ubundi, na/cyangwa ubwiza bwa serivisi zakoreshejwe/zateganyirizwa gukoreshwa hakoreshejwe ikarita ku muntu uwo ari we wese harimo n'ibigo by'abacuruzi, cyangwa ku gutinda gutanga ibicuruzwa/serivisi, kutagezwa kw'ibicuruzwa/serivisi, cyangwa kwakira ibicuruzwa/serivisi bifite inenge cyangwa bitujuje ubuziranenge bikozwe hakoreshejwe ikarita ku muntu uwo ari we wese harimo n'ibigo by'abacuruzi, bigomba gukemurwa hagati y'umukoresha w'ikarita (cyangwa umuntu wese ukomoka ku mukoresha w'ikarita cyangwa ufite uburenganzira bwe) n'uwo muntu/ibigo by'abacuruzi, nta kubigeza kuri I&M Bank.
I&M Bank ifite uburenganzira bwo gutanga ku bakoresha ikarita serivisi runaka, ubunyamuryango n'ibindi bikorwa ku biciro n'amabwiriza n'amasezerano bibona ko bikwiye. I&M Bank ifite uburenganzira bwo gukuraho cyangwa kugabanya ibiciro no gukuraho ibyo bikorwa igihe icyo ari cyo cyose itabanje kubimenyesha kandi itabiryozwa ku bakoresha ikarita. Igihe konti y'ikarita ihagaritswe kubera kutubahiriza aya masezerano, serivisi n'ibikorwa byose bijyanye na yo bihagarikwa ku buryo bwikora. I&M Bank nta nshingano na imwe izaba ifite ku mukoresha ikarita, mu gihe habaye inenge cyangwa kutubahiriza mu gutanga izo serivisi, ubunyamuryango cyangwa ibindi bikorwa, cyangwa mu gihe bitatanzwe, yaba ari I&M Bank, ikigo gicuruza cyangwa undi uwo ari we wese wa gatatu. I&M Bank ifite uburenganzira bwo gukoresha amakuru atangwa n'umukoresha ikarita mu gusaba kwe no mu bushakashatsi, ndetse n'amakuru ava mu zindi nkomoko zo hanze, harimo raporo z'abaguzi, mu bikorwa byo kwamamaza bikorwa na I&M Bank/abafatanyabikorwa bayo. I&M Bank ishobora gukoresha aya makuru mu gukora urutonde rw'abakiriya rushobora gukoreshwa n'amasosiyete I&M Bank izakorana na yo mu gutegura ibyifuzo byo kwamamaza ku bakoresha ikarita. I&M Bank ifite uburenganzira bwo kuvugurura amabwiriza, ibiranga n'ibikorwa bitangwa ku ikarita igihe cyose, kandi ishobora kumenyesha umukoresha ikarita ibyo bivugururwa cyangwa impinduka uko bibona ko bikwiye. Umunyamuryango w'ikarita azubahiriza ibyo bivugururwa cyangwa impinduka keretse ikarita isubijwe I&M Bank kugira ngo ihagarikwe mbere y'itariki ibyo bivugururwa cyangwa impinduka bishyirwa mu bikorwa. Amakuru y'ibikorwa byose byakozwe hakoreshejwe ikarita n'umukoresha ashobora gusangizwa Ibigo bishinzwe gusuzuma inguzanyo, abatanga inguzanyo, cyangwa indi migereka, mu rwego rwo gusuzuma ibyifuzo by'inguzanyo cyangwa ibindi bikorwa by'umukoresha ikarita n'abo mu muryango we, ndetse no mu rwego rwo gukumira uburiganya. Uretse uburenganzira busanzwe bwo guhuza cyangwa ubundi burenganzira buteganywa n'amategeko cyangwa mu yandi masezerano, I&M Bank ishobora, itabanje kubimenyesha, guhuza cyangwa guhuriza hamwe amafaranga asigaye ku ikarita n'izindi konti zose umukoresha afite muri I&M Bank n'Ibigo byayo by'Itsinda, no gukuramo cyangwa kwimurira amafaranga ari kuri izo konti kugira ngo yishyure cyangwa ayahe ku nshingano umukoresha afitiye I&M Bank hakurikijwe ikarita ye. Umukoresha ikarita agomba guhita amenyesha I&M Bank impinduka zose ku buryo bumuvugaho aho yandikirwa nk'uko byanditswe mu fomu yo gusaba ikarita. I&M Bank ifite uburenganzira bwo guhindura aderesi y'umukoresha ikarita mu bubiko bwayo igihe impinduka za aderesi zimenyekanye na I&M Bank. Inshingano yo kwemeza ko I&M Bank imenyeshejwe aderesi nyayo yo kwandikirwa ni iy'umukoresha ikarita wenyine, kandi I&M Bank ntiyemera inshingano na imwe ku gihombo cyangwa ku nshingano iterwa na aderesi itari yo ku mukoresha ikarita. Umukoresha ikarita yemera kubahiriza no kugengwa n'amabwiriza n'amasezerano yose I&M Bank cyangwa abafatanyabikorwa bayo bashobora gushyiraho igihe cyose ku bikorwa/serivisi umukoresha ikarita yakoresheje, kandi yemera ko ibikorwa byose byakozwe na cyangwa binyuze mu buryo bwo gukora ibikorwa bya kure harimo Internet, World Wide Web, guhanahana amakuru hakoreshejwe ikoranabuhanga, ibigo bihamagara abakiriya, serivisi zitangwa kuri telefone (haba mu majwi, amashusho, amakuru cyangwa uruvange rwabyo) cyangwa binyuze mu bikoresho by'ikoranabuhanga, mudasobwa, imashini zikora mu buryo bwikora cyangwa iyindi migereka y'itumanaho, byashyizweho na I&M Bank cyangwa abafatanyabikorwa bayo cyangwa mu izina ryabo, ku bikorwa/serivisi byatanzwe, bizaba ibikorwa byemewe n'amategeko kandi bifite agaciro igihe bikorewe mu kubahiriza amabwiriza n'amasezerano I&M Bank cyangwa abafatanyabikorwa bayo bashyizeho kuri ibyo bikorwa/serivisi, uko bishobora gushyirwaho igihe cyose. Umukoresha ikarita yemera ko igihe yaba adashoboye kwishyura cyangwa kwishyura inguzanyo y'umutungo mukuru cyangwa inyungu/amafaranga y'ibihano abereyemo I&M Bank Limited na/cyangwa Banki Nkuru y'u Rwanda (BNR), izo nzego zizaba zifite uburenganzira busesuye bwo gutangaza cyangwa gushyira hanze amakuru y'ayo madeni n'izina ry'umunyamuryango w'ikarita cyangwa abayobozi be/abafatanyabikorwa be/abakoresha ikarita bongerwaho, nk'uko bikwiye, nk'abadafite ubushobozi bwo kwishyura, ku buryo n'uburyo I&M Bank Limited cyangwa Banki Nkuru y'u Rwanda bibona ko bikwiye bitewe n'ubushishozi bwazo bwose. Umukoresha ikarita aha I&M Bank n'abayihagarariye uburenganzira bwo guhanahana, gusangiza cyangwa gutanga amakuru yose ajyanye n'amakuru y'umukoresha ikarita n'amateka y'ishyurwa rye, n'amakuru yose ajyanye n'ikarita, ku bindi bigo by'Itsinda rya I&M Bank/Amabanki/Ibigo by'imari/Ibiro bishinzwe kugenzura inguzanyo/Ibigo/Inzego za Leta, uko bisabwa kose, kandi yemera kutazabaza I&M Bank Ltd/ibindi bigo byose by'Itsinda rya I&M Bank n'abayihagarariye ku bijyanye no gukoresha amakuru yavuzwe haruguru.
Ikarita yose itangwa ku bakoresha amakarita izaba ifite umupaka ntarengwa w'amafaranga ashobora gukoreshwa ushyirwaho na I&M Bank igihe cyose, hakurikijwe amabwiriza ya Banki Nkuru y'u Rwanda n'amategeko, amabwiriza n'amahame agenga ibikorwa biriho igihe icyo ari cyo cyose.
Umufite ikarita agomba guhita amenyesha I&M Bank binyuze ku kigo cy'ihamagarwa cya I&M Bank igihe abona ko ikarita cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe, cyangwa igihe PIN imenywe n'undi muntu kandi umufite ikarita akeka ko uwo muntu ashobora kuyikoresha nabi. Iyi nshingano yo kumenyesha ireba kandi ingamba zose umufite ikarita yafashe (hakurikijwe inama zavuzwe haruguru cyangwa izindi ngamba zose zafashwe zo kurinda PIN itagera ku bandi). Igihe kigo cy'ihamagarwa cya I&M Bank cyakiriye iryo tangazo ry'umufite ikarita, kizagerageza guhagarika ibikorwa by'ikoreshwa ry'ikarita bikomeze, kandi kigerageze gukumira ikoreshwa ry'ikarita yatakaye, yibwe cyangwa yangiritse. Igihe kigo cy'ihamagarwa cya I&M Bank kizafasha umufite ikarita gusimbuza ikarita yatakaye, yibwe cyangwa yangiritse. Umufite ikarita azishyura amafaranga yo gusimbuza ikarita nk'uko I&M Bank yabitegetse. I&M Bank ishobora gufata ingamba zo gusimbuza cyangwa kongera gutanga ikarita yari yaguzwe mbere, uko ibona, bitewe n'uko umufite ikarita yubahirije amabwiriza, niba hari, I&M Bank yashyizeho. I&M Bank izagerageza uko bishoboka kose gusimbuza ikarita mu gihe kitarenze amasaha 96 uhereye igihe yakiriye itangazo ry'uko ikarita yatakaye cyangwa yangiritse, cyangwa mu gihe kindi cyose I&M Bank ishobora gusaba. Nyuma yo guhagarika ikarita na PIN, umufite ikarita ntashobora kongera kuyikoresha, nubwo yayibona nyuma. Nyuma yo guhagarika ikarita, nta kugaruza amafaranga kuri iyo karita bizemerwa; icyakora, igihe ikarita isimbujwe, umufite ikarita ashobora gusaba I&M Bank kwimurira amafaranga asigaye kuri iyo karita, hakurikijwe andi mategeko yo muri aya masezerano.
I&M Bank ifite uburenganzira bwo kugabanya umubare w'amafaranga ashobora gukoreshwa mu gukora igikorwa icyo ari cyo cyose binyuze ku ikarita, ku munsi cyangwa mu gihe runaka cyagenwe. ATM cyangwa amaduka/ibigo bicuruza bishobora nabyo kugabanya cyangwa kubuza umubare w'ibikorwa bishobora gukorwa hifashishijwe ikarita. Ibi bigabanyo bitandukana ukurikije ATM na/cyangwa buri gicuruzo. I&M Bank ntizaba ifite inshingano zo kumenya cyangwa kumenyesha umufite ikarita ibi bigabanyo/imipaka, kandi ntizaryozwa igihombo cyose umufite ikarita yagize kubera ibi bigabanyo, imipaka cyangwa kubura uburyo bumwe bw'ibikorwa bisabwa kuri ATM na/cyangwa ahacururizwa.
Umukoresha w'ikarita yishyura igihombo cyose giterwa no gukoresha ikarita, harimo n'ibihe aho ibikorwa bivugwa ko bitemewe byakozwe hakoreshejwe ikarita na/cyangwa PIN, cyangwa ibihe aho bivugwa ko habaye gukoresha nabi, gutakaza na/cyangwa kwibwa kw'ikarita na/cyangwa PIN, kandi uwo mutwaro ukomeza kugeza igihe: (i) I&M Bank imenyeshejwe ko ibikorwa bitemewe byakozwe hakoreshejwe ikarita na/cyangwa PIN, cyangwa ko ikarita na/cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe, kandi (ii) I&M Bank imaze guhagarika neza gukoresha ikarita na/cyangwa PIN. Ibyo bihe bishobora kubamo: A. Kutarinda neza ikarita na/cyangwa PIN, harimo n'ibiterwa n'umukoresha w'ikarita, Kuba yaranze kubungabunga umutekano wa PIN ku mpamvu iyo ari yo yose, n'ubwo inama z'ibanze cyangwa izindi ngamba zasabwe zaba zarubahirijwe n'umukoresha w'ikarita. B. Gutinda kumenyesha gukoreshwa nabi, gutakaza cyangwa kwibwa kw'ikarita na/cyangwa PIN, harimo n'ibiterwa n'umukoresha w'ikarita, • Kutamenyesha I&M Bank vuba igihe bimenyekanye cyangwa bigaragaye ko ikarita na/cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe, cyangwa kutamenyesha I&M Bank vuba igihe bimenyekanye cyangwa bigaragaye ko PIN yamenywe n'undi muntu cyangwa igihe bimenyekanye cyangwa bigaragaye ko ingamba zafashwe n'umukoresha w'ikarita (hakurikijwe inama zavuzwe haruguru cyangwa izindi ngamba zo kurinda PIN) zangiritse. I&M Bank nta nshingano izagira ku bikorwa bitemewe byakozwe hakoreshejwe ikarita na/cyangwa PIN, cyangwa ku ikarita na/cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe.
- Yanditse cyangwa yandikishije ahandi umubare wibanga ku ikarita,
- Yanditse cyangwa yandikishije umubare wibanga ku kintu icyo ari cyo cyose gisanzwe kijyana cyangwa kibikwa hamwe n'ikarita mu buryo bushobora kumenyekana,
- Yatangaje ku bushake umubare wibanga ku muntu uwo ari we wese, cyangwa
- Ubwishingizi
Abakoresha Karita bashobora guhabwa inyungu zimwe z'ubwishingizi ku giciro runaka hamwe na Karita. Ubwishingizi buzarangira igihe Karita izarangiriraho cyangwa igihe izaba ihagaritswe n'Umukoresha wa Karita cyangwa na I&M Bank, nk'uko bimeze. Ibirego byose bivuka mu bwishingizi bizoherezwa ku kigo cy'ubwishingizi bireba kandi bigakemurwa nacyo, I&M Bank ntizaba ishinzwe ibirego byose bivuka mu bwishingizi, ariko banki izafasha mu koroshya gutunganya ibirego hamwe n'ikigo cy'ubwishingizi kireba.
Amategeko y'u Rwanda ni yo agenga aya mabwiriza n'amategeko ndetse n'ikoreshwa ry'Ikarita n'Umukoresha wayo, ariko bigengwa n'amategeko, amabwiriza n'amabwiriza agenga u Rwanda cyangwa ibindi bihugu bitewe no gukoresha Ikarita hanze y'u Rwanda. Impande zombi zemeranyije ko ikirego cyose, ibikorwa by'amategeko cyangwa imanza zivuka ku mabwiriza n'amategeko agenga Ikarita, byatanzwe n'Umukoresha wayo (cyangwa undi muntu uvuga ko akomoka ku Mukoresha cyangwa akurikiye inyungu ze), bizajyanwa mu nkiko cyangwa mu rukiko rw'i Nairobi mu Rwanda, kandi impande zombi zemera burundu ubutegetsi bw'izo nkiko. Ariko I&M Bank ishobora, mu bushishozi bwayo bwose, gutangiza ikirego cyose cyangwa imanza zivuka kuri aya mabwiriza n'amategeko mu rundi rukiko, urwego rw'ubucamanza cyangwa ahandi hakwiriye hose mu gihugu icyo ari cyo cyose, kandi Umukoresha wayo yemera ubwo butegetsi.
I&M Bank nta nshingano na imwe izaba ifitiye Umukoresha w'Ikarita ku bijyanye n'ibikorwa byose, ibirego, ibisabwa, imanza, ibihombo, ibyangijwe, ibikomere ku mubiri (harimo igihombo nyacyo cyangwa giteganyijwe ku izina ry'umuntu, gusebanya cyangwa ibindi bisa na byo), amafaranga y'ikurikiranwa, amafaranga y'ubwishyu n'amafaranga yose yatanzwe, byaba bituruka ku buryo butaziguye cyangwa butaziguye ku bintu bikurikira: (1) gukoresha Ikarita na/cyangwa PIN; (2) kwangwa kwakirwa kw'Ikarita n'umuntu wese cyangwa Abacuruzi; (3) ATM/POS zidakora neza cyangwa zitameze neza, byaba bituma terminal itemera Ikarita na/cyangwa PIN cyangwa ikindi kibazo cyose; (4) gukoresha nabi cyangwa mu buriganya Ikarita n'umuntu uwo ari we wese harimo n'Umukoresha w'Ikarita; (5) itangazo ryose ryatanzwe n'umuntu usaba gusubiza cyangwa guhagarika Ikarita cyangwa igikorwa cyose gikozwe n'umuntu uwo ari we wese kijyanye nabyo; (6) gutanga Ikarita n'Umukoresha w'Ikarita ku muntu utari umukozi wagenwe wa I&M Bank mu biro bya I&M Bank; (7) I&M Bank gukoresha uburenganzira bwayo bwo gusaba no gutuma Ikarita isubizwa mbere y'itariki y'igihe cyarangiriraho yanditswe ku karita, byaba bisabwe cyangwa bigezweho na I&M Bank cyangwa undi muntu cyangwa ATM/POS; (8) I&M Bank gukoresha uburenganzira bwayo bwo guhagarika Ikarita iyo ari yo yose; (9) kwamburwa/guhagarikwa kw'Ikarita na/cyangwa gusaba ko isubizwa; (10) amakosa, gutanga amakuru atari yo, ikosa cyangwa kudatangwa kw'amakuru yose yatanzwe kuri I&M Bank cyangwa yatanzwe na yo; (11) guhagarika gutunganywa kw'Ikarita na/cyangwa PIN kubera ko Ikarita yarengeje uburenganzira bw'ivunjisha bwateganyijwe n'amategeko, amabwiriza cyangwa ingingo zikurikizwa igihe cyose, cyangwa igihe I&M Bank imenyeye ko Umukoresha w'Ikarita yarengeje uburenganzira bwe; (12) mu gihe hasabwa cyangwa hasabwe kwishyurwa amafaranga arenze ayo Umukoresha w'Ikarita afitiye Konti, byaba bisabwe na I&M Bank cyangwa n'umuntu uwo ari we wese ukorera I&M Bank; (13) itumanaho ryose ryoherejwe mu buryo ubwo ari bwo bwose, harimo kuri telefaks, interineti, ATM/POS, sisitemu zo kwishyura cyangwa ubundi buryo bunyuzwa ku murongo rusange cyangwa uwigenga utarinzwe mu buryo bw'ibanga, bishobora gutera ibyago byo guhinduzwa cyangwa gukoreshwa nta burenganzira; cyangwa (14) igihe hahagaritswe, hasubitswe, hafunzwe cyangwa hangiwe gukoresha Ikarita cyangwa kugera ku Mafaranga, cyane cyane igihe bikenewe kugira ngo hamenyekane niba umuntu afite uburenganzira bwo guhabwa Amafaranga/gukoresha Ikarita no mu gihe hakorwa izindi ntambwe zisabwa n'amategeko, amabwiriza n'icyemezo cy'urwego rubifitiye ububasha.
Umukoresha w'Ikarita ashobora guhamagara ikigo cy'imyitwarire y'abakiriya cya I&M Bank igihe afite ibibazo cyangwa ibirego byose bifitanye isano n'Ikarita. Cyangwa, umukoresha w'Ikarita ashobora kohereza ubutumwa bwa imeri kuri aderesi ya imeri ibigenewe ya I&M Bank. Byongeye kandi, mu gihe hatanzwe ikirego, umukoresha w'Ikarita agomba gutanga mu nyandiko amakuru ahagije kandi y'ukuri kuri I&M Bank, kugira ngo ishobore gukora iperereza no gusubiza ikirego cyangwa ikibazo mu buryo bukwiye. Ibi bikurikira bizasabwa gutangwa muri ubwo butumwa:
- Amazina, aderesi n'umubare w'Ikarita y'umukoresha w'Ikarita.
- Ibisobanuro birambuye ku igurisha ry'ubucuruzi n'ikirego
Umuntu ku giti cye cyangwa ikigo cyose cyemewe n'amategeko gishobora gusaba gutangwa kwa Karita binyuze ku ishami iryo ari ryo ryose rya I&M Bank cyangwa umukozi wayo mu Rwanda. Gutangwa kwa Karita biterwa n'uko usaba yubahiriza amategeko, amabwiriza, amabwiriza ngenderwaho n'ibyemezo bitangwa na Banki Nkuru y'u Rwanda cyangwa indi nzego zibishinzwe hakurikijwe itegeko iryo ari ryo ryose ririho igihe icyo ari cyo cyose. I&M Bank ishobora, ku bushake bwayo bwose kandi bwuzuye, kwanga gutanga Karita cyangwa guhagarika Karita yatanzwe itabanje kubimenyesha, igihe amabwiriza yo kumenya umukiriya neza no kurwanya inyungu zinyuranyije n'amategeko (money laundering) atubahirijwe uko bikwiye, cyangwa igihe ifite impamvu cyangwa ikekwa ko Umucunga Karita yarenze cyangwa ateganya kurenga amabwiriza y'ivunjisha, cyangwa akoresha/azakoresha Karita mu nyungu zinyuranyije n'amategeko. Usaba Karita azasabwa kuzuza no gutanga fomu isabwa yasinywe neza nk'uko I&M Bank ibisaba igihe icyo ari cyo cyose, kandi akanatanga inyandiko zose zishobora kuba ngombwa cyangwa zisabwa. Igihe Karita imara gukoreshwa ni amezi 24 uhereye igihe yakorewe. Igihe ibisabwa byose byujujwe, Karita izatangira gukoreshwa mu gihe kitarenze amasaha 24 nyuma yo kwakira amafaranga n'izindi nyandiko zisabwa ziva ku Umucunga Karita. Iyo Karita imaze kugurwa, Umucunga Karita ashobora gusaba ishami iryo ari ryo ryose rya I&M Bank cyangwa umukozi wayo gushyiramo amafaranga runaka (hashingiwe ku mbibi z'amafaranga ntarengwa n'ntarengwa ashobora gushyirwamo, zigenwa na I&M Bank ku bushake bwayo igihe icyo ari cyo cyose). Igihe Karita itangiwe, Umucunga Karita agomba kuyishyiraho umukono ku ruhande rw'inyuma rwayo. Karita, nk'uko I&M Bank ishobora kuyitanga ku usaba, ni umutungo wa I&M Bank kandi ntishobora kwimurwa, kandi izemerwa gusa mu bigo by'abacuruzi igihe igaragaza umukono w'Umucunga Karita ku ruhande rw'inyuma kandi igihe yerekanywe n'Umucunga Karita ku Mufatanyabikorwa w'Umucuruzi.
Inyemezabwishyu cyangwa undi musaruro wo kwishyura wasinyweho n'umucuruzi (Cardholder) kandi wakiriwe kuri Merchant Establishment kugira ngo wishyurwe bizafatwa nk'ibimenyetso bihamye byerekana ko amafaranga yanditswe kuri iyo nyemezabwishyu cyangwa kuri ubwo busabe bwo kwishyura yatanzwe neza na Cardholder akoresheje Card, keretse ku nyemezabwishyu cyangwa ku busabe bwo kwishyura bwasinyweho nyuma y'igihe Cardholder yamenyesheje I&M Bank ko habaye ibikorwa bitemewe byakozwe hakoreshejwe Card na/cyangwa PIN, cyangwa ko Card na/cyangwa PIN byakoreshejwe nabi, byatakaye cyangwa byibwe, kandi I&M Bank imaze guhagarika neza iyo Card na/cyangwa PIN. Niba Cardholder ahisemo kutemera igiciro/amafaranga yagaragajwe kuri raporo ye y'konti, aho yahisemo kwakira raporo zisanzwe zijyanye na Card, agomba kubimenyesha I&M Bank mu minsi 30 (mirongo itatu) uhereye igihe yakiriye raporo, bitaba ibyo bikazafatwa ko ibiciro/amafaranga yose n'iyo raporo byemewe kandi byemewe na Cardholder. Mu bundi buryo bwose, niba Cardholder abona ko hari amafaranga yakuwe ku Funds mu buryo butari bwo, agomba kubimenyesha I&M Bank ako kanya. Iyo I&M Bank imaze kubona ayo makuru, ishobora gusubiza ku gihe gito ibyo biciro, kandi muri icyo gihe I&M Bank ifite uburenganzira bwo guhagarika kuri Card amafaranga angana n'ayasubijwe by'agateganyo. Ayo mafaranga yahagaritswe ntazaboneka kuri Cardholder kugeza igihe I&M Bank irangije iperereza no gukemura itandukaniro nk'uko I&M Bank ibona ko bikwiye. Iyo nyuma y'iperereza I&M Bank yemeje ko igiciro cyakuwe neza ku Funds za Cardholder, I&M Bank izasubizaho icyo giciro hamwe n'ikiguzi cyose cyangwa andi mafaranga mu raporo izakurikiraho.
Cardholder yemera ko amakuru ajyanye n'uko akoresha serivisi za Card yakorewe ahanahererekanywa hagati y'amabanki n'ibigo by'imari bitanga izo serivisi. Gusaba Card byemerwa hashingiwe ku kuba nta raporo mbi zerekana ubushobozi bwa Cardholder bwo kwishyura ihari. I&M Bank ishobora kumenyesha andi mabanki cyangwa ibigo by'imari ibyerekeye kudatanga amafaranga ku gihe kuri Card cyangwa gukurwaho kwa serivisi ya Card ya Cardholder. Hashingiwe ku kwakira raporo mbi (zijyanye n'ubushobozi bwa Cardholder cyangwa abagize umuryango we), I&M Bank ishobora, nyuma yo kubimenyesha mu nyandiko iminsi 15 mbere, guhagarika Card, icyo gihe amafaranga yose asigaye ku Card n'andi mafaranga yose azakoreshwa Card itarashyirwa ku konti, bizahita bishyurwa na Cardholder. I&M Bank ntizaba itegetswe kumenyesha Cardholder izina ry'banki cyangwa ikigo cy'imari yakiriye amakuru cyangwa yohereje amakuru.
I&M Bank ntizaba ishinzwe ubwiza bwa serivisi zitangwa cyangwa gutinda kw'itangwa rya serivisi, kutagerwa kwa serivisi, cyangwa kwakira serivisi zidafite ireme/zitujuje ubuziranenge zitangwa n'abatanga serivisi z'ubufasha bw'ubuvuzi bwihutirwa n'urugendo n'ubufasha bwa concierge cyangwa abandi batanga serivisi bose bajyanye na yo ku bijyanye n'Ikarita. Byongeye kandi, I&M Bank ntizaba ishinzwe ibikorwa, ibirego, ibisabwa, imanza, ibihombo, ibyangiritse, imvune z'umuntu ku giti cye (harimo igihombo nyacyo cyangwa icyibwira ku izina ryiza, gusebanya cyangwa ibindi bisa na byo), amafaranga, ibiciro n'amafaranga y'ingendo yatanzwe n'Umukoresha w'Ikarita kubera ubwiza bwa serivisi zitangwa cyangwa gutinda kw'itangwa rya serivisi, kutagerwa kwa serivisi, cyangwa kwakira serivisi zidafite ireme/zitujuje ubuziranenge. Izi serivisi z'ubufasha bw'ubuvuzi bwihutirwa n'urugendo n'ubufasha bwa concierge ntizihari ubu mu Rwanda. Izi serivisi ntizishobora kwimurwa kandi ziboneka gusa ku Mukoresha w'Ikarita. Abatanga serivisi bafite uburenganzira bwo gukora isuzuma ry'indangamuntu mbere yo gutanga izi serivisi. Aho bishoboka hose, ibiciro, amafaranga n'amahoro byo kubona izi serivisi z'ubufasha bw'ubuvuzi bwihutirwa n'urugendo n'ubufasha bwa concierge bizamenyeshwa Umukoresha w'Ikarita mbere yuko abyifashisha, hanyuma bikurwe mu Mafaranga. Mu gihe itangwa ry'izi serivisi rirebana no kwishyura amafaranga Utanga serivisi agomba kwishyura, iyo serivisi/iryo shyurwa bishingiye ku kuba Utanga serivisi abanza kwishyurwa n'Umukoresha w'Ikarita binyuze ku ikarita ye cyangwa umuryango we. Utanga serivisi azemeza ko Umukoresha w'Ikarita uhamagara kuri izi serivisi amenyeshwa neza ko ari we wenyine ubazwa amafaranga yose y'abandi bantu ajyanye na serivisi. I&M Bank cyangwa Utanga serivisi ntibazaba bashinzwe amafaranga, ibiciro, amahoro n'cyangwa ibiciro byose byakwa cyangwa byishyuzwa n'undi muntu wese, ibyo bikaba ari inshingano y'Umukoresha w'Ikarita wenyine.
Muri aya mabwiriza n'amategeko, amagambo akurikira afite ibisobanuro bikurikira, keretse iyo ibiri mu nyandiko byerekana ibitandukanye:
- “Umuhagarariye” bivuga isosiyete/umuntu ku giti cye washyizweho kandi wemerewe na I&M Bank kugurisha, kongeramo amafaranga no gusubiza Amakarita.
- “ATM” bivuga imashini yikora yo kubikuza ifite Visa Electron, Plus Logo cyangwa Visa Flag, aho, mu bindi, Ikarita ishobora gukoreshwa mu kubikuza Amafaranga.
- “Ikarita” bivuga Ikarita y'Ubwishyu Ibanziriza I&M Bank, harimo Ikarita y'Urugendo ya Nakumatt – I&M Bank, Ikarita ya Safari n'indi Karita yose y'Ubwishyu Ibanziriza yatanzwe na I&M Bank ku Mukoresha w'Ikarita.
- “Umukoresha w'ikarita” bivuga umukiriya wa I&M Bank wahawe ikarita hashingiwe ku busabe bwe, kandi wemerewe kugumana iyo karita.
- “Fedha” zisobanura umubare w’amafaranga yaguzwe kandi ashyirwa ku Ikarita n’Umukoresha w’Ikarita avuye muri I&M Bank cyangwa mu bakozi bayo, ku ikarita yatanzwe, ndetse n’andi mafaranga yose ashobora kugurwa nyuma n’Umukoresha w’Ikarita (ntabariwemo komisiyo y’igurisha cyangwa amafaranga yishyuwe ku muntu/abantu bemerewe na I&M Bank kubikora, bagurishije ikarita), hakuwemo amafaranga yakoreshejwe mbere n’amafaranga yose akurikizwa, amafaranga yo guhindura ifaranga, ndetse n’andi mafaranga yose atangwa mu gihe cyo gukoresha cyangwa gufata Ikarita.
- “I&M Bank” bivuga I&M Bank Limited, harimo ariko ntihagarukire gusa ku basimbuye iyo banki mu burenganzira bwayo n’abayihawe, ifite icyicaro cyayo gikuru kuri I&M Bank House, 2nd Ngong Avenue, P. O. Box 30238-00100, Nairobi, Rwanda.
- “I&M Bank ATM” bivuga ATM ifitwe kandi icungwa na I&M Bank kandi yerekana ikirango cya I&M Bank.
- “Umucuruzi” bivuga umuntu wese ufite, ucunga cyangwa ukora ikigo cy’ubucuruzi.
- “Ibigo bicuruza” bivuga ibigo byemera Amakarita.
- “PIN” bivuga Nimero y’Ibanga y’Umuntu itangwa n’I&M Bank ku Mukoresha w’Ikarita, ikoreshwa ku Ikarita hakurikijwe amabwiriza y’aya masezerano.
- “POS Terminal” bivuga ibikoresho by’amashanyarazi byo gutangiriraho ibicuruzwa mu bigo by’ubucuruzi, haba mu Rwanda cyangwa mu mahanga, bishobora gukora Ibikorwa, aho Umukoresha wa Karita ashobora gukoresha Karita ye kugera ku mafaranga ye no kugura ibicuruzwa.
- “Urusobe Rusangiwe” bivuga ATM zitari iz’I&M Bank ariko zemera Karita zatanzwe na I&M Bank.
- “Ibikorwa” bivuga kubikuza amafaranga ku ma ATM no/cyangwa kugura ibintu mu bigo bicuruza hakoreshejwe Ikarita.
Iyo amafaranga yakiriwe mu ifaranga ritari iryo Ikarita yatanzwe (cyangwa iryahinduwe nyuma), amafaranga ahinduzwa ifaranga rishya hakurikijwe Igipimo cy’Ivunjisha. Ibi bikubiyemo n’igihe Umukoresha w’Ikarita akuye amafaranga ku ATM mu ifaranga ritari iryo Ikarita yatanzwe (cyangwa iryahinduwe nyuma). Igipimo cy’ivunjisha ni cyo mafaranga azakurwa mu mafaranga y’Ikarita mu guhindurwa ajya mu ifaranga rishya, hakurikijwe politiki n’amategeko ya VISA akurikizwa igihe ibikorwa bikorwa. Ubu, politiki n’amategeko ya VISA bivuga cyane cyane ko iyo ibikorwa bikorewe ku munsi umwe (haba mu kubikuza amafaranga cyangwa ubundi buryo), igipimo cy’ivunjisha gikoreshwa ari kimwe muri ibi bikurikira:
- Igipimo cy'isoko ry'ubucuruzi rya rusange (wholesale) kiba gikurikizwa umunsi mbere y'uko igikorwa gitunganywa, cyangwa
- Igipimo cyashyizweho na Leta kiri mu bikurikizwa umunsi ubanza gutunganywa, cyongerwaho amafaranga yashyizweho igihe cyose na VISA. Nk’uko byasobanuwe mu gice cyabanje, I&M Bank yishyuza amafaranga yiyongera ku gipimo cy’ivunjisha/amafaranga/ikiguzi/ibihembo, akavanwa mu mafaranga. Ibi ntibirebana n’ibipimo cy’ivunjisha/amafaranga/ibiciro/ibihembo bisabwa na VISA ukurikije amabwiriza yavuzwe haruguru cyangwa ibindi.
Umukoresha w'ikarita yemera kandi akemeza ko amafaranga yose akurikizwa, ajyanye no gutanga cyangwa gukoresha Ikarita, ashobora gukurwa mu buryo bwikora mu mafaranga y'Umukoresha w'ikarita. Ibisobanuro by'amafaranga, amafaranga y'urugendo n'amafaranga y'serivisi biriho ubu biboneka mu gitabo kiherekeza Ikarita. Ayo mafaranga n'amafaranga ya serivisi ashobora guhindurwa na I&M Bank igihe cyose, kandi amafaranga akurikizwa agezweho ashobora kumenyekana mu guhamagara I&M Call Centre. Ayo mafaranga arimo amafaranga yo kubikuza n'igipimo cy'ivunjisha, kandi ashobora kubamo andi mafaranga/amafaranga y'inyongera/serivisi cyangwa ayandi asabwa n'abandi bantu (nk'uko bigaragazwa hepfo): Amafaranga yo kubikuza akurikizwa kandi azakurwa mu mafaranga ku buri kubikuza umukoresha w'ikarita akoze ku ATM. Byongeye kandi, amafaranga cyangwa amafaranga ya serivisi cyangwa ayandi yashyizweho kandi akurikizwa n'ba nyirubwite/abakoresha Umuyoboro Rusange nayo azakurikizwa kandi azakurwa mu mafaranga ku buri kubikuza kuri ATM iri mu Muyoboro Rusange. Niba Umukoresha w'ikarita abonye amafaranga mu mafaranga atari ayo Ikarita yatanzwe ikoresheje, igipimo cy'ivunjisha kizongerwaho 3% (cyangwa igipimo kiri hejuru cyangwa kitari icyo I&M Bank ishobora kugena igihe cyose), kandi ayo azakurwa mu mafaranga. Icyo gipimo gishobora guhindurwa cyangwa kuvugururwa na I&M Bank, nta cyemezo cy'Umukoresha w'ikarita gisabwe, kandi icyahinduwe cyangwa cyavuguruwe nacyo kizahita gikurikizwa kandi kizakurwa mu mafaranga. Ibisobanuro by'igipimo cy'ivunjisha biri mu gika cyitwa ‘Igipimo cy'Ivunjisha’. Igihe amafaranga adahagije yo gukuramo ayo mafaranga, amafaranga y'urugendo n'amafaranga ya serivisi, I&M Bank ifite uburenganzira bwo kuyishyuza mu buryo butaziguye ku Mukoresha w'ikarita kandi/cyangwa ku konti zose (harimo konti zihuriweho) Umukoresha w'ikarita afite muri I&M Bank cyangwa mu bigo byayo bihuriye hamwe, ndetse no kwanga, guhagarika cyangwa gufunga ikoreshwa ry'ibikorwa by'ikarita ibindi. Ikindi gisoreshwa cyose cyemewe n'amategeko, harimo imisoro cyangwa amahoro, kiterwa no gukoresha Ikarita ni inshingano y'Umukoresha w'ikarita kandi, nibiba ngombwa ko bitangwa na I&M Bank cyangwa bigasabirwa kwishyurwa na I&M Bank (mu buryo butaziguye cyangwa butaziguye), icyo gisoreshwa cyemewe n'amategeko kizakurwa mu mafaranga kandi/cyangwa gishyurwe mu buryo butaziguye ku Mukoresha w'ikarita kandi/cyangwa ku konti zose (harimo konti zihuriweho) Umukoresha w'ikarita afite muri I&M Bank cyangwa mu bigo byayo bihuriye hamwe
Gukoresha no/cyangwa kugira ikarita ku ruhande rw'umukoresha w'ikarita bisabwa kuba bijyanye n'amategeko, amabwiriza, amabwiriza ngenga n'ibyemezo bitangwa na Banki Nkuru y'u Rwanda cyangwa indi nzego zibishinzwe hakurikijwe itegeko iryo ari ryo ryose rikurikizwa igihe cyose. Ikarita ishobora gukoreshwa hanze y'u Rwanda, bitewe n'amategeko, amabwiriza n'amabwiriza ngenga bikurikizwa mu Rwanda igihe cyose no bitewe n'imbogamizi/imipaka iri mu mategeko, amabwiriza n'amabwiriza ngenga bikurikizwa mu gihugu ikarita ikoreshwamo igihe cyose. Umukoresha w'ikarita ni we wenyine uzabazwa imbere y'inzego zibishinzwe mu gihe habaye kutubahiriza amategeko, amabwiriza n'amabwiriza ngenga bikurikizwa igihe cyose. Banki ya I&M ntizaryozwa igihombo cyangwa ibyangiritse byaba ibya nyabyo, ibitaziguye cyangwa ibyo bikomoka ku bindi, bituruka ku kutubahiriza kw'umukoresha w'ikarita amategeko, amabwiriza n'amabwiriza ngenga bikurikizwa igihe cyose cyangwa bifitanye isano na byo. Umukoresha w'ikarita atanga indishyi kandi yemera kurengera Banki ya I&M ku bikorwa byose, ibirego byose, n'amafaranga yose, ibiciro n'ibyo yatanze byavuka cyangwa bibaye kubera ko umukoresha w'ikarita atubahirije amategeko, amabwiriza n'amabwiriza ngenga bikurikizwa igihe cyose. Igihe ikarita ihagaritswe (cyangwa ikoreshwa rihagarikwa), yaba bitewe no kutubahiriza amategeko, amabwiriza n'amabwiriza ngenga bikurikizwa igihe cyose cyangwa ibindi, Banki ya I&M ntizabazwa ikoreshwa/igerageza ryo gukoresha ikarita ryatuma ikarita yangirwa cyangwa ihakanwa. Ingaruka zo kwemera ikarita yahagaritswe (cyangwa yahagaritse gukoreshwa) igihe yerekanwe zibazwa uwo muntu na/cyangwa umukoresha w'ikarita ku giti cye. Igihe habaye gukekwa cyangwa kugaragara ko hari kutubahiriza amabwiriza y'ivunjisha cyangwa gukoresha nabi ikarita harimo no gukora ibikorwa byo guhisha inkomoko y'amafaranga, Banki ya I&M ishobora, ku bushake bwayo bwose kandi bwuzuye, guhagarika cyangwa gusubika ikarita idatanzweho imenyesha ryambere, kandi kwishyura amafaranga asigaye bizakurikiza ibyemezo by'amategeko bizafatwa nyuma.
I&M Bank ifite uburenganzira bwo guhindura, igihe icyo ari cyo cyose, aya Mabwiriza n'Ibihano, ibiranga n'inyungu bitangwa ku ikarita harimo ariko bitagarukiye ku mpinduka zigira ingaruka ku mafaranga asigaye, ibiciro cyangwa ibipimo n'uburyo bwo kubibara.
Mu rwego rwo gushimira I&M Bank yemera guha Umukoresha wa Karita Karita n'ibikoresho bijyanye na yo, Umukoresha wa Karita yemeye ku bushake kwishyura no kurinda I&M Bank ibyago byose biturutse ku bikorwa, ibirego, ibyifuzo, imanza, ibihombo, ibyangiritse, ikomereka ry'umuntu ku giti cye, amafaranga y'ikirego (harimo n'amafaranga y'abavoka), ibiciro n'amafaranga yose I&M Bank ishobora kugira igihe icyo ari cyo cyose, yahura na byo, yihanganira cyangwa yahatirwa kwishyura bitewe cyangwa biturutse ku: (1) guha Umukoresha wa Karita iyo serivisi ya Karita, (2) kuba I&M Bank yarakoze mu mutima mwiza, igafata, yanga gufata cyangwa yirengagiza gufata ibikorwa ku mabwiriza y'Umukoresha wa Karita, (3) uburangare, amakosa cyangwa imyitwarire mibi by'Umukoresha wa Karita (ku buryo butaziguye cyangwa buziguye), (4) kutubahiriza cyangwa kudakurikiza aya mabwiriza n'amategeko, (5) uburiganya cyangwa kutavuga ukuri ku bijyanye n'ikorwa ry'ikigurano cyose n'Umukoresha wa Karita cyangwa abakozi be cyangwa abahagarariye, (6) ikosa cyangwa ihagarara rya ATM/POS cyangwa andi makosa ya tekiniki/sisitemu, (7) gukusanya amafaranga yose akwiye kwishyurwa (harimo ibiciro, amafaranga n'amafaranga y'ubwishyu) n'Umukoresha wa Karita, na/cyangwa (8) gutakaza cyangwa kubura kwa Karita na/cyangwa PIN mu nzira bitewe n'umukozi wa posita. Byongeye kandi, nk'uko byavuzwe mbere, Umukoresha wa Karita yemeye kandi kwishyura no kurinda I&M Bank ibirego byose, ibiciro n'amafaranga yose biturutse ku kutubahiriza amategeko, amabwiriza n'ingingo zikurikizwa igihe cyose.
Ikarita yemerera Umukoresha wayo kubona Amafaranga mu ntoki akoresheje kubikuza kuri ATM na/cyangwa kumenya amakuru y'uko amafaranga asigaye ku Ikarita angana kuri ATM/ibikoresho bya POS (byaba iby'I&M Bank cyangwa Urusobe Rusangiwe) cyangwa kwishyura mu Bigo by'Abacuruzi binyuze ku bikoresho bya POS. Amafaranga akuwe kuri ATM hanze y'u Rwanda hakoreshejwe Ikarita, azaba mu mafaranga yemewe n'Urusobe Rusangiwe rufite/rukoresha ATM aho ibikuzwa biberey. Angana n'amafaranga mu ifaranga rya Konti y'Umukoresha, ahuye n'ikiguzi cyose cy'inyongera cyo gutunganya, ikiguzi cyo guhindura ifaranga cyangwa andi mafaranga yose, nk'uko amabwiriza ya VISA abiteganya ku bijyanye n'ayo mahererezi, azakurwa na I&M Bank mu Mafaranga y'Umukoresha. I&M Bank cyangwa undi muntu wese nta nyungu, indishyi cyangwa inyungu iyo ari yo yose yishyurwa Umukoresha ku bijyanye n'Amafaranga, kandi ntibamuha uburenganzira ku nguzanyo cyangwa ikirenze ku mafaranga ari kuri konti. Nubwo hari ibyavuzwe muri aya mabwiriza, I&M Bank ishobora igihe icyo ari cyo cyose, idatanze itangazo cyangwa impamvu, guhagarika cyangwa guhagarika burundu serivisi zose cyangwa zimwe muri zo cyangwa gukoreshwa kwazo n'Umukoresha. Ingingo zose z'aya mabwiriza n'amategeko zigamije gukomeza gukurikizwa zizakomeza kubaho nyuma yo guhagarikwa cyangwa guhagarikwa burundu kw'izi serivisi na/cyangwa gukoreshwa kwazo n'Umukoresha, kandi zizakomeza gukurikizwa neza nyuma yo guhagarikwa cyangwa guhagarikwa burundu kw'Ikarita. Nubwo hahagaritswe cyangwa hahagaritswe burundu, Umukoresha azakomeza gukurikiza aya mabwiriza n'amategeko agendanye n'inshingano cyangwa imyenda y'Umukoresha zitarangizwa cyangwa ngo zishyurwe. Abakoresha bashobora kandi, igihe cyose, gukoresha serivisi z'ubutabazi, iz'ubuvuzi n'iz'ingendo n'iz'ubufasha bwa concierge, uko I&M Bank ibiboneka ku bushake bwayo bwonyine. Izo serivisi zishobora gukurwaho, guhagarikwa, guhagarikwa burundu, guhagarikwa by'agateganyo cyangwa guhagarikwa burundu na I&M Bank igihe icyo ari cyo cyose ku bushake bwayo bwonyine.
Ufite Karita yemera ko I&M Bank ishobora kwegurira, kwimurira cyangwa guha undi muntu uwo ari we wese uburenganzira n'inshingano zayo zose zijyanye na Karita y'Ingendo / Karita ya Safari, uko ibona bikwiye mu bushishozi bwayo, idasabye uburenganzira bw'Ufite Karita.
Amategeko n'Amabwiriza ya Serivisi z'Imbere mu Ikoranabuhanga (Internet Banking)
9.1 Umukiriya azishyura Banki amafaranga y'ibikorwa bitandukanye nk'uko Banki iyamenyesha igihe cyose. Banki ishobora, ku bushake bwayo bwonyine, guhindura ayo mafaranga n'ibiciro. 9.2 Umukiriya azishyura imisoro yose ishobora gukurwa ku mafaranga yose Umukiriya yishyura Banki, ndetse n'andi mafaranga cyangwa amahoro yose ashyirwaho Umukiriya cyangwa Banki n'urwego rwa Leta cyangwa urw'amategeko, bijyanye no gutanga Serivisi. 9.3 Banki yemerewe burundu, igihe cyose, gukura amafaranga yose Umukiriya agomba kwishyura hakurikijwe ibiteganywa mu bika 9.1 na/cyangwa 9.2, kuri konti iyo ari yo yose mu ifaranga iryo ari ryo ryose Banki, Ishami na/cyangwa abahagarariye Banki (nk'uko bikurikizwa) bafite mu izina ry'Umukiriya. Usibye amafaranga yishyurwa hakurikijwe aya Mabwiriza n'Amategeko, amafaranga n'ibiciro bikurikizwa kuri Konti za Banki z'Umukiriya bizakomeza gukurikizwa.
8.1 Gutumaho byose bikorwa n'Umukiriya nyuma yo guhabwa uburenganzira bwo kwinjira muri Sisitemu bizandikwa kugeza igihe Umukiriya asohokeye igihe cy'akazi (session). Banki izajya ibika kopi z'Ibyifuzo byose yakiriye ku Mukiriya mu buryo bw'amashanyarazi. Byongeye kandi, izajya ibika kopi zose z'inyandiko zicapwe Banki yateguye mu gihe cyo gukora igikorwa cy'imari hakurikijwe Ibyifuzo by'Umukiriya. Hagati y'Umukiriya na Banki, kopi ya Banki ni yo izaba ari ikimenyetso cyemeza ko Ibyifuzo byakiriwe cyangwa bitakiriwe, ndetse n'ibirimo ibyo byifuzo. 8.2 Raporo y'Konti (hakoreshejwe "Raporo y'Konti") Umukiriya yakira kenshi nk'uko igihe cyagenwe cy'ibicuruzwa kibiteganya izagaragaza ibikorwa byose bya Serivisi. 8.3 Umukiriya azafatwa nk'uwemeye, kandi ntazigera nyuma yaho arwanya cyangwa ngo yange ibikorwa byose biri muri Raporo y'Konti, niba atarwanyije Raporo y'Konti mu nyandiko mu gihe cy'iminsi 30 uhereye igihe Raporo y'Konti yoherejwe cyangwa yafatwa nk'iyoherejwe ku Mukiriya na Banki.
7.1 Umukiriya ashobora kohereza amafaranga cyangwa gukora kwishyura ingana iyo ari yo yose, igihe cyose igikorwa kitatuma amafaranga asigaye kuri Konti y'Amafaranga Abitsa aba munsi ya zeru, usibye igihe Umukiriya afite uburyo bwemewe bwo kurenza amafaranga (overdraft) ku Konti y'Amafaranga Abitsa yagizweho ingaruka, cyangwa Konti y'Igihe Kirekire yashyizwe ingwate muri Banki kugira ngo itwikire ibirenze bishobora kuvuka kuri Konti yagizweho ingaruka igihe cyose, ari na bwo konti zombi zihuzwa muri Sisitemu kuri uwo mugambi. 7.2 Niba Umukiriya afite uburyo bwemewe bwo kurenza amafaranga cyangwa Konti y'Igihe Kirekire ihujwe na Konti y'Amafaranga Abitsa yo kwishyuriraho, ohereza amafaranga n'/cyangwa kwishyura fagitire hifashishijwe Serivisi ntibikwiye kurenza uburyo bwemewe bwo kurenza amafaranga cyangwa Konti y'Igihe Kirekire yashyizwe ingwate.
6.1 Banki yemerewe burundu n'Umukiriya gukora ku Byifuzo byose Banki yakiriye ku Mukiriya (cyangwa ibyitwa ko byavuye ku Mukiriya) binyuze kuri Sisitemu, no kumubazwa ibyavuyemo, nubwo ibyo byifuzo bitaba byemewe n'Umukiriya cyangwa bitubahirije amabwiriza yose yari yatanzwe mbere n'Umukiriya. Niba Umukiriya asabye Banki guhagarika igikorwa cyangwa amabwiriza runaka nyuma y'uko Banki imaze kwakira Ubusabe bwe, Banki ishobora, ku bushake bwayo bwose, guhagarika icyo gikorwa cyangwa ayo mabwiriza, ariko nta nshingano ifite yo kubikora. 6.2 Banki ifite uburenganzira bwo kwakira no gukora ku cyifuzo icyo ari cyo cyose, nubwo cyaba kituzuye cyangwa kitumvikana neza impamvu yose, igihe, ku bushake bwayo bwose, Banki yizera ko ishobora gukosora amakuru atuzuye cyangwa atumvikana mu cyifuzo idakeneye kubaza Umukiriya. 6.3 Banki ntiba itegetswe kwakira cyangwa gukora ku cyifuzo icyo ari cyo cyose niba kubikora bisaba kugera ku Ishami cyangwa ku kigo gishamikiye kuri Banki, cyangwa gukoresha, gukorwaho cyangwa gutanga amakuru biturutse muri byo, mu gihugu kitari umunsi w'akazi wa banki igihe icyo gikorwa cyangwa amakuru bisabwe, cyangwa niba byatera kurenga ku itegeko, ku mupaka w'ubushobozi bw'inguzanyo cyangwa ku masezerano yose ari hagati ya Banki, Ishami na/cyangwa Ikigo gishamikiye kuri Banki (nk'uko bikurikizwa) n'Umukiriya. Igihe Banki yemeye cyangwa ikora ku cyifuzo nk'icyo, Umukiriya akomeza kubibazwa. 6.4 Mu gihe habaye ukutumvikana hagati y'amagambo y'icyifuzo cyose cyavuye ku Mukiriya n'amategeko n'amabwiriza y'aya Mabwiriza n'Amategeko, amabwiriza y'aya Mabwiriza n'Amategeko ni yo azabanza. Aya Mabwiriza n'Amategeko, n'uburenganzira bwose n'izindi nzira zemeranyijweho hakurikijwe aya Mabwiriza n'Amategeko, byuzuzanya n'Amategeko Rusange n'Amabwiriza yose, ndetse n'amabwiriza yose, bikurikizwa ku Makonti y'Umukiriya ari muri Banki.
5.1 Umukiriya agomba, ku giciro cye bwite, gutanga no gukomeza mu buryo bw'umutekano n'ubushobozi bwo gukora, ibikoresho by'ikoranabuhanga (hardware), porogaramu (software) n'ibindi bikoresho (harimo uburyo bwo kugera ku mbuga z'itumanaho rusange) hamwe n'urusobe rw'itumanaho (byose hamwe bitwa "Ibikoresho") bikenewe kugira ngo ugere kuri Sisitemu na Serivisi. 5.2 Umukiriya ni we uzaba ushinzwe kwemeza ko Ibikoresho bikora neza, harimo n'igihombo cyose cyangwa gutinda byaterwa n'Ibikoresho. Banki ntizaba ishinzwe cyangwa ngo ibe ifite inshingano zo kwishyura ku makosa cyangwa ibibazo byose biterwa no kudakora neza kw'Ibikoresho, kandi Banki ntizaba ishinzwe cyangwa ngo ibe ifite inshingano zo kwishyura ku bwandu bwa mudasobwa (computer virus) cyangwa ibibazo bifitanye isano na byo bishobora kuvuka bitewe no gukoresha Sisitemu, Serivisi n'Ibikoresho. Umukiriya ni we uzaba ushinzwe amafaranga yose yishyuzwa n'umutanga wa serivisi umuhuza na interineti, kandi Banki ntizaba ishinzwe cyangwa ngo ibe ifite inshingano zo kwishyura ku bihombo cyangwa gutinda biterwa n'uwo mutanga wa serivisi. 5.3 Umukiriya agomba kubona impushya zose n'ibyemezo byose bikenewe kugira ngo abone uburenganzira bwo kugera no gukoresha Sisitemu, kandi agomba kwemeza ko abantu bose yemerera kugera kuri Sisitemu bubahiriza amategeko n'amabwiriza yose akurikizwa mu gukoresha Sisitemu, kandi bagakurikiza amabwiriza yose, uburyo bwose n'amasezerano yose biri muri aya Mategeko n'Amabwiriza n'inyandiko iyo ari yo yose Banki yatanze ku gukoresha Sisitemu na Serivisi. 5.4 Umukiriya agomba kwirinda uburyo bwose butemewe bwo kugera cyangwa gukoresha Sisitemu na Serivisi, abikora abika ibanga Indangamuntu y'Ukoresha/Indangamuntu y'Ikigo (User ID/Corporate ID) n'Ijambo ry'ibanga (Password) igihe cyose. Abakiriya bagomba kwemeza ko Indangamuntu y'Ukoresha/Indangamuntu y'Ikigo n'Ijambo ry'ibanga bitamenyekana cyangwa ngo bigere mu maboko y'umuntu utemerewe. 5.5 Umukiriya agomba gufata ingamba zose zumvikana kandi zikenewe kugira ngo amenye ikoreshwa ryose ritemewe rya Sisitemu na Serivisi. Muri urwo rwego, Umukiriya agomba kwemeza ko ubutumwa bwose buva kuri Banki busuzumwa kandi bugenzurwa na we cyangwa mu izina rye vuba bishoboka nyuma yo kuboneka na we, mu buryo bituma ikoreshwa ryose ritemewe ry'iya Sisitemu n'uburyo bwo kuyigeraho rimenyekana. 5.6 Umukiriya agomba guhita amenyesha Banki kuri telefoni, akohereza kandi icyemezo cyanditse cyoherejwe umunsi umwe, igihe: (a) Umukiriya afite impamvu yo gutekereza ko Ijambo ry'ibanga rikoreshwa n'Umukiriya kugira ngo ageze kuri Serivisi no kuvugana na Banki rimenyekanye cyangwa rishobora kumenyekana n'umuntu utemerewe kumenya ryo, kandi/cyangwa ryaba ryarangijwe; na/cyangwa (b) Umukiriya afite impamvu yo gutekereza ko Serivisi yakoreshejwe mu buryo butemewe cyangwa ishobora gukoreshwa mu buryo butemewe, kandi ko igikorwa cy'imari gishobora kuba cyinjijwe mu buryo bw'uburiganya cyangwa cyangijwe. 5.7 Umukiriya ntazohereza cyangwa ngo agerageze kohereza Icyifuzo icyo ari cyo cyose kuri Banki binyuze kuri Sisitemu niba afite impamvu yo gutekereza ko icyo cyifuzo gishobora kutakirwa na Banki, cyangwa ko gishobora kutakirwa neza kandi cyumvikana, kubera impamvu iyo ari yo yose. 5.8 Umukiriya agomba igihe cyose gukurikiza uburyo bw'umutekano bumumenyeshwa na Banki rimwe na rimwe, cyangwa izindi nzira zose zishobora gukurikizwa kuri Serivisi rimwe na rimwe, cyane cyane izishobora kuba zanditse ku rubuga rwa interineti rwa Banki. Umukiriya yemera ko kutubahiriza na rimwe ku ruhande rw'Umukiriya uburyo bw'umutekano bwasabwe bishobora gutuma habaho kwica ibanga ry'umwirondoro we (profile confidentiality) kandi bishobora gutera ibikorwa bitemewe ku konti zifitanye isano n'ubwiyandikishe bwe bwa Serivisi muri Banki. By'umwihariko, Umukiriya agomba kwemeza ko Serivisi idakoreshwa, Ibyifuzo bitatangwa cyangwa ibikorwa bifitanye isano bitakorwa n'undi muntu utari umuntu wemerewe kubikora. 5.9 Umukiriya ntazigera akoresha cyangwa ngo akore Serivisi mu buryo bwose bushobora kugira ingaruka mbi kuri Banki. 5.10 Banki ifite uburenganzira n'ubushobozi bwo gukura mu Konti ya Banki y'Umukiriya amafaranga y'ibikorwa byakozwe binyuze kuri Serivisi, ndetse no gukuramo mu Konti ya Banki y'Umukiriya amafaranga y'amafaranga yose akurikizwa kuri Serivisi rimwe na rimwe.
4.1 Ku bakiriya b'ibigo, abemerewe gusinya konti bagomba gutoranya Umuyobozi w'Ikigo (Corporate Administrator), amuha uburenganzira bwo guhanga abandi bakoresha serivisi ya banki kuri Internet, ari bo bakora ibikorwa (makers) n'ababigenzura (checkers). 4.2 Umuyobozi w'Ikigo ni we uzaba ushinzwe guhanga abandi bakoresha serivisi ya banki kuri Internet (abakoresha b'ikigo/Maker, Dual User, Authoriser/Checker) no kubagenera imipaka y'ibikorwa bakora, hakurikijwe uburyo bwemewe bwo guha uburenganzira bwemejwe n'abemerewe gusinya konti. 4.3 Amabwiriza yose atangwa binyuze kuri serivisi ya banki kuri Internet hakoreshejwe uburyo bwa maker-checker bwashyizweho n'Umuyobozi w'Ikigo nk'uko biteganywa mu gika cya 4.2 haruguru, azafatwa nk'aturutse ku bemerewe gusinya konti hakurikijwe uburenganzira bwo gukoresha konti.
3.1 Abafite konti zihuriweho bafatanyije kandi mu buryo busangiwe bagengwa n'aya Mabwiriza n'Amategeko. Gusaba Serivisi byakozwe n'umwe muri ba nyir'iyo konti ukora wenyine nk'uko biteganywa mu gika cya 2 haruguru, bifatwa nk'ibireba bose. Buri nyir'konti uhuriweho ukora wenyine, akoresheje User ID n'Ijambobanga yahawe, ashobora gukoresha Serivisi. Banki ntisabwa kubona uruhushya cyangwa kumenyesha undi nyir'konti uhuriweho ku bijyanye n'Ibisabwa. Icyakora, buri nyir'konti uhuriweho ashobora kwinjira muri Serivisi ku konti azaba nyirazo, nyirazo bafatanyije cyangwa Abakoresha Batoranijwe, akoresheje User ID n'Ijambobanga yahawe. 3.2 Buri nyir'konti uhuriweho arekura Banki ku nshingano zose yaba ifite kandi yemera ko nta kirego cyangwa ikindi kirego azatanga kuri Banki kubera kwemera cyangwa kwemerera ibikorwa cyangwa ibisabwa, yaba uwakoze igikorwa ari umwe mu banyir'konti uhuriweho cyangwa undi wemerewe gukoresha Serivisi.
2.1 Hakurikijwe ko umukiriya yishyura Banki amafaranga n'ibiciro biteganywa mu rutonde rw'ibiciro, Banki izatanga kuri uwo mukiriya serivisi zimwe na zimwe z'ubushabitsi bwa interineti (internet banking), zikurikije kandi zubahiriza aya mabwiriza n'amasezerano. 2.2 Umukiriya azasaba serivisi z'ubushabitsi bwa interineti za Banki akoresheje urupapuro rwo gusaba Banki yatanze, cyangwa yemera aya Mabwiriza n'Amasezerano kuri interineti binyuze ku rubuga rwa Banki www.imbank.com. Gusaba kwe kuzemezwa na Banki. 2.3 Banki nimara kwemeza gusaba kandi umukiriya akaba yanditswe mu bitabo bya Banki nk'umukoresha wemewe wa Serivisi, Banki izaha umukiriya User ID ku bakiriya ku giti cyabo cyangwa Corporate ID ku bakiriya b'ibigo. Umukiriya azihitiramo Ijambobanga rye ryihariye rizwi na we gusa, kandi iryo jambobanga hamwe na User ID cyangwa Corporate ID bye bizamuha uburenganzira bwo kugera no gukoresha Serivisi. 2.4 Banki ishobora gutanga undi murongo wa serivisi z'ubushabitsi bwa interineti ku mukiriya, mu gihe umukiriya yuzuza urupapuro rwo gusaba ku bijyanye n'izo serivisi zongerwaho, cyangwa agemera amabwiriza n'amasezerano yazo kuri interineti. Banki ifite uburenganzira bwo guhindura, gusimbuza cyangwa gukuraho Serivisi iyo ari yo yose igihe icyo ari cyo cyose, impamvu yose yaba iyo ari yo yose, itabanje kumenyesha umukiriya. 2.5 Gusaba no gukoresha Serivisi by'umukiriya bizubahiriza aya mabwiriza n'amasezerano, hamwe n'amasezerano yose y'imikoreshereze ya konti z'umuntu ku giti cye cyangwa iz'ubucuruzi, iz'igihe kirekire, iz'guhamagara no iz'overdraft hagati ya Banki n'umukiriya. Bizongerwaho ku Mabwiriza Rusange n'Amasezerano ya Banki umukiriya yashyizeho umukono, kandi bizasomwa hamwe na yo. Igihe habaye kutumvikana hagati y'aya Mabwiriza n'Amasezerano n'Amabwiriza Rusange ya Banki, aya Mabwiriza n'Amasezerano ni yo azakurikizwa.
Igihe bigaragaye ko ingingo iyo ari yo yose y'aya Mabwiriza n'Amasezerano, cyangwa uko iyo ngingo ikoreshwa ku muntu cyangwa ku mimerere iyo ari yo yose, idashoboka, itemewe n'amategeko, idafite agaciro cyangwa itashyirwa mu bikorwa mu buryo ubwo ari bwo bwose, ibisigaye by'aya Mabwiriza n'Amasezerano n'uko iyo ngingo ikoreshwa ku bantu cyangwa ku mimerere itari iyo yavuzwe ko idashoboka, itemewe, idafite agaciro cyangwa itashyirwa mu bikorwa, ntibizahungabanywa cyangwa ngo bigire ingaruka, kandi bizakomeza kugira agaciro no gushyirwa mu bikorwa mu buryo bwuzuye bwemewe n'amategeko. Igihe hari abantu babiri cyangwa benshi bashyizwe mu ijambo “umukiriya”, ibyo umukiriya yiyemeje n'inshingano ze bikurikije aya Mabwiriza n'Amasezerano bizaba ari ibyo bahuriyeho kandi bifite ingaruka ku bose hamwe, kandi aho bivugwa “umukiriya” hazumvikana umwe cyangwa abo ari bo bose muri bo. Igihe umukiriya ari ikigo, aya Mabwiriza n'Amasezerano azakomeza gukurikizwa mu buryo bwuzuye, akomeze kugira ingaruka ku buri wese mu bamugenewe n'abamusimbura bose.
- Aya Mategeko n'Amabwiriza bigengwa kandi bisobanurwa hakurikijwe amategeko ya Repubulika y'u Rwanda, kandi amakimbirane yose, ibirego n'ibindi bibazo bijyanye na yo bizasuzumwa hakurikijwe ayo mategeko.
Imitwe iri muri aya Mategeko n'Amabwiriza ishyizweho gusa kugira ngo byorohereze gusoma, kandi ntiyemewe kuba igice cy'aya Mategeko n'Amabwiriza, ntanasabwa kuyishingiraho mu gusobanura aya Mategeko n'Amabwiriza.
Nta kintu na kimwe muri aya Mategeko n'Amabwiriza gishyiraho umubano w'ubuhagarariye, ubwizerane, ubufatanye mu mushinga cyangwa ubufatanye hagati y'umukiriya n'Banki.
15.1 Umukiriya yemera ko uburenganzira ku mutungo ubwenge wa Sisitemu (n'impinduka cyangwa iterambere ryayo igihe cyose) n'inyandiko zose zifitanye isano na yo Banki iha Umukiriya binyuze muri Sisitemu cyangwa ubundi buryo, ari ubw'Banki cyangwa ubw'abandi bantu Banki ifite uburenganzira bwo gukoresha no gutanga uruhushya rw'ikoreshwa rya Sisitemu cyangwa inyandiko zivugwa. Umukiriya ntazarenga kuri ubwo burenganzira bw'umutungo ubwenge. 15.2 Umukiriya ntazigana, ngo akore kopi cyangwa ngo ahindure ku buryo ubwo ari bwo bwose Sisitemu n'inyandiko zifitanye isano na yo atabanje kubona uruhushya rwanditse rw'Banki.
14.1 Umukiriya yiyemeza kubungabunga ibanga ryimbitse ry'Indangamuntu y'Ukoresha/Indangamuntu y'Ikigo (User ID/Corporate ID) n'Ijambobanga rye, ndetse n'andi makuru n'ibikoresho byose by'ubwoko bwose Banki imuhaye bijyanye na Serivisi. Umukiriya yemera kumenyesha abakozi be, abakozi bakorera ku masezerano n'/cyangwa abakandarasi be ibivugwa muri iki gika, kandi akabashyiraho iri banga mu masezerano yihariye, igihe bibaye ngombwa. Umukiriya azaryozwa Banki byuzuye kubera kurenga ku bivugwa muri iki gika yaba we ubwe, abakozi be, abakozi bakorera ku masezerano n'/cyangwa abakandarasi be. 14.2 Umukiriya yemera ko, igihe bibaye ngombwa kugira ngo Serivisi itangwe, Banki ishobora gutangariza umunyamuryango wese w'Itsinda ry'Banki cyangwa Itsinda ry'Umukiriya amakuru ajyanye n'Umukiriya. 14.3 Umukiriya yemera kandi ko Banki ishobora gutangariza abandi bantu amakuru ajyanye n'Umukiriya mu bihe bikurikira:- (a) igihe gutangaza ayo makuru ari ngombwa kugira ngo Banki ishobore gukurikiza Icyifuzo; (b) mu rwego rwo kubahiriza itegeko, amabwiriza cyangwa itegeko ry'urukiko. Banki igomba kubahiriza itegeko ryo gutanga amakuru riturutse ku rwego rwa Leta rubifitiye ububasha, Banki ishobora, mu rwego amategeko asaba, kubimenyesha Umukiriya mbere yo gutanga ayo makuru; (c) gutangariza abakozi ba Banki bakorera ku masezerano, abakandarasi, abagenzuzi b'imari, abavoka n'abandi batanga serivisi z'umwuga mu rwego rukenewe mu nshingano zabo zisanzwe; (d) gutangariza ikigo cyemewe gikora ibijyanye no kugenzura inguzanyo abo Banki ishobora kuba yarasinyanye na bo amasezerano ya serivisi zabo; (e) igihe bijyanye n'ikirego cyatanzwe na cyangwa kirega Banki bijyanye n'igikoresho cyashyizwe cyangwa cyakuwe kuri konti y'Umukiriya; na (f) Igihe Umukiriya yemeye gutangaza ayo makuru.
13.1 Umukiriya ntashobora kwegurira undi wese inyungu cyangwa uburenganzira bwose buva muri aya Masezerano atabanje kubona uburenganzira bwanditse cyangwa kwemezwa mbere na Banki. 13.2 Nta gihe Banki izaba yihanganiye kutubahiriza kwose kw'umukiriya ku mabwiriza yose y'aya Masezerano n'Amategeko Rusange, bizaba bifite agaciro gusa iyo ari uguhanagura ku mugaragaro kwanditse kw'ibyo bitubahirijwe. Nta guhanagura kose k'ibyo bitubahirijwe kuzavanaho ibindi bitubahirijwe byakozwe nyuma n'umukiriya. 13.3 Umukiriya yemera ko: (a) atigeze yishingikiriza ku kintu cyose cyavuzwe, cyemerewe, cyasezeranywe, cyatangajwe nk'igitekerezo cyangwa ikindi kintu cyamushishikariza cyakozwe cyangwa cyatanzwe na Banki cyangwa mu izina ryayo, cyangwa cyavugwaga ko cyakozwe na Banki cyangwa mu izina ryayo, mu gufata icyemezo cyo kwiyandikisha; kandi ko (b) nta muntu ufite cyangwa wigeze agira ububasha mu izina rya Banki, yaba mbere, igihe cyangwa nyuma yo kwiyandikisha, wo gukora cyangwa gutanga icyo cyemezo, isezerano, igitekerezo cyangwa ikindi kintu cyamushishikariza umukiriya, cyangwa wo gusinya andi masezerano yo ku ruhande cyangwa ayunganira ya buri bwoko n'umukiriya ajyanye na Serivisi. 13.4 Kugira ngo hatagira ikibazo kivuka, ntacyo aya Masezerano azahindura, arekure cyangwa ngo ahungabanye ingwate iyo ari yo yose yatanzwe n'umukiriya cyangwa undi muntu wa gatatu ku nyungu ya Banki ku bijyanye n'inshingano z'umukiriya zishobora kuvuka igihe Banki izaba yakoze ku cyifuzo icyo ari cyo cyose cy'umukiriya gikurikije aya Masezerano. 13.5 Niba ingingo iyo ari yo yose y'aya Masezerano n'Amategeko Rusange ihindutse cyangwa iba itemewe n'amategeko, idafite agaciro cyangwa itashyirwa mu bikorwa mu gihugu icyo ari cyo cyose, ubwo butemewe n'amategeko, kutagira agaciro cyangwa kutashyirwa mu bikorwa ntibizagira ingaruka ku byemewe n'amategeko, agaciro cyangwa ishyirwa mu bikorwa ry'izindi ngingo zisigaye z'aya Masezerano n'Amategeko Rusange. 13.6 Itangazo ryose risabwa kwandikwa gutangwa hakurikijwe aya Masezerano n'Amategeko Rusange rizaba ryakiriwe neza iryoherejwe binyuze mu iposita yandikishijwe, yashyizweho ikimenyetso cy'ubwishyu kandi yandikiwe neza: (a) ku muyobozi w'Ishami cyangwa wa Banki ku ibaruwa y'Ishami cyangwa iya Banki, iyo rigomba gutangwa kuri Banki; cyangwa (b) ku mukiriya ku ibaruwa y'umukiriya nk'uko biri mu bubiko bwa Banki, iyo rigomba gutangwa ku mukiriya. Kandi rizafatwa nk'ryakiriwe iminsi itanu y'akazi ya Banki nyuma yo kohererezwa.
12.1 Nta na rimwe mu bikubiye muri aya Mabwiriza n'Amategeko, Serivisi ishobora guhagarikwa igihe icyo ari cyo cyose n'umwe mu mpande zombi. 12.2 Iyo serivisi ihagaritswe, niba Umukiriya asabye kongera gukoresha Serivisi, hashobora kwishyurwa amafaranga yo kongera guhuzwa. 12.3 Banki ishobora guhagarika Serivisi ku bwayo, ku mpamvu iyo ari yo yose, harimo ariko atagarukiye gusa ku gihe Konti ya Banki y'Umukiriya idafite amafaranga ahagije yo gukuramo ibiciro bisabwa kugira ngo bikoreshwe Serivisi. 12.4 Iyo Umukiriya ahagaritse Serivisi, Banki ishobora gukomeza gukora ibyo Umukiriya yari yaremereye mbere, birimo kwishyura fagitire mu buryo bw'ikoranabuhanga, kohereza amafaranga n'ibindi bikorwa, kugeza igihe Banki izaba ibonye igihe gihagije cyo gukurikiza itangazo ry'uko Umukiriya ahagaritse Serivisi. 12.5 Guhagarikwa kwa Serivisi ntibizatuma, ubwabyo, umubano wa Banki n'Umukiriya uhagarara cyangwa ngo uhinduke. 12.6 Ingingo ya 10, iya 14 n'iya 17 zizakomeza gukurikizwa nyuma yo guhagarikwa kwa Serivisi.
Banki ishobora guhindura aya Mabwiriza n'Amategeko igihe icyo ari cyo cyose, itanze integuza y'iminsi 30 ku Mukiriya. Integuza y'iri hinduka izahabwa Umukiriya mu nyandiko cyangwa binyuze mu kuyitangaza mu buryo Banki izaba yemeje, kandi iryo hinduka rizaba rireba Umukiriya.
10.1 Circumstances not within the Bank’s control. The Bank shall not be responsible or liable for any loss suffered by the Customer should the Service be interfered with or be unavailable by reason of (a) any industrial action, (b) the failure of any of the Customer’s Facilities, or (c) any other circumstances whatsoever not reasonably within the Bank’s control including, without limitation, force majeure or error, interruption, delay or non-availability of the System, terrorist or any enemy action equipment failure, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.
10.2 Electronic Bill Payments and Transfer of Funds.
(a) the Bank will not be liable for any losses or damage suffered by the Customer as a result of delay, failure and/or refusal by the Bank to act on a Request in time or at all in any one or more of the following circumstances (as the case may be): (i) if the Customer does not have enough funds in the Deposit Account; (ii) if the payment or transfer would result in the Customer’s approved overdraft facility limit being exceeded; (iii) if the Customer does not authorize a bill payment in good enough time for the payment to be made and properly credited by the payee (the Customer’s counter-party) by the time it is due; (iv) if the System or the Customer’s Facilities were not working properly; (v) if circumstances beyond the Bank’s control including those specified in sub paragraph 10.1 above prevent the Bank from making a payment or transfer; (vi) if the money in the Customer’s account is subject to legal process court order or other encumbrance restricting the payment or transfer; (vii) if the Customer does not give proper or complete instructions for the payment or transfer or the Customer does not follow the procedures in this or other applicable agreement with the Bank for requesting a payment or a transfer; (viii) if the Bank has reason to believe that the Customer or someone else is using the Service for fraudulent or illegal purposes; (ix) if a payment or a transfer request would consist of money deposited in a form or by a method that has not yet made the money available for withdrawal; (x) if the payment or transfer request is in contradiction or conflict with other existing account agreements with the customer; and (xi) if the payment or transfer request is received at a time when it is operationally not possible to effect the same within working hours of that day.
(b) if the Bank makes a timely payment or transfer but the payee nevertheless fails to credit the Customer’s payment promptly after receipt, the Bank shall not be liable for any loss or damage suffered by the Customer as a result of such failure on the part of the payee.
10.3 Indemnity.
(a) the Customer shall indemnify and keep the Bank indemnified on a full and unqualified indemnity basis against all and any costs (including legal costs), claims, actions, proceedings, losses, damage, demands, liabilities, and expenses suffered or incurred by the Bank in connection with or arising from (a), (b) and/or (c) of subparagraph 10.1 or where the particular circumstances is within the Customer’s control and against all and any costs (including legal costs), claims, actions, proceedings, losses, damage, demands, liabilities, and expenses suffered or incurred by the Bank as a consequence of any breach by the Customer of any term or condition hereof;
(b) the Customer shall indemnify and keep indemnified the Bank against any demands, claims, actions, losses, damages or costs relating to or in connection with the Service, whether directly or indirectly, unless such demands, claims, actions, losses, damages, or costs arose as a direct consequence of the gross negligence or willful misconduct of the Bank or any of its employees;
(c) the Customer shall indemnify and keep indemnified the Bank against the following: (i) all demands, claims, actions, losses and damages of whatever nature which may be brought against the Bank or which it may suffer or incur arising from the Bank’s reliance on any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by the Bank; (ii) any loss or damage that may arise from the Customer’s use, misuse, abuse or possession of any third party software, including without limitation, any operating system, browser software or any other software packages or programs; (iii) any unauthorized access to the Customer’s accounts or any breach of security or any destruction or accessing of the Customer’s data or any destruction or theft of or damage to any to the Customer’s equipment; (iv) any loss or damage occasioned by the failure by the Customer to adhere to any terms and conditions applicable to the Service and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction; and (v) any loss or damage that may arise from the use of the Service by the Customer, any joint account holder, Corporate Administrator, Corporate User/Maker, Corporate Dual user and/or Corporate Authoriser/Checker.
10.4 if for any reason other than a reason mentioned in subparagraph 10.1 the Service is interfered with or unavailable, the Bank’s sole liability in respect thereof shall be to re-establish the Service as soon as reasonably practicable or, at the Bank’s option, to provide to the Customer alternative banking facilities which need not be electronic facilities.
10.5 save as provided in subparagraph 10.4, the Bank shall not be liable to the Customer for any interference with or unavailability of the Service, howsoever caused.
10.6 under no circumstances shall the Bank be liable to the Customer for any loss of profit or anticipated savings or for any indirect or consequential loss of whatever kind, howsoever caused, arising out of or in connection with the Service.
10.7 except in respect of death or personal injury caused by the negligence of the Bank, the Bank shall be under no liability for any claim whatsoever in respect of any terms and conditions contained herein or their performance thereof or any transactions effected by the Bank in response to any Request unless the Bank has received notice in writing of any such claim from the Customer:
(a) in the case of any claim relating to a transaction, within thirty (30) days from the date of the alleged transaction on which such claim is based; and
(b) in all other cases within ninety (90) days of the date of the alleged action or inaction by the Bank on which such claim is based.
10.8 to the extent permitted by law, the Bank: (a) disclaims all warranties with respect to the System and Service either express or implied, including but not limited to any implied warranties relating to quality, fitness for any particular purpose or ability to achieve a certain result; and
(b) makes no warranty that the System is error free or that its use will be uninterrupted and the Customer acknowledges and agrees that the existence of such errors shall not constitute a breach of these Terms and Conditions.
1.1 Muri aya Mategeko n'Amabwiriza, keretse igihe imiterere y'inyandiko isaba ibindi: (a) “Banki” bivuga I & M Bank Limited, yashinzwe mu Rwanda nk'ikigo gifite inshingano zigarukira ku migabane y'ishoramari (company limited by shares) hakurikijwe Itegeko ry'Ibigo (Igice cya 486 cy'Amategeko y'u Rwanda), kandi harimo n'Ishami cyangwa Ibigo bishamikiye kuri Banki byose Banki ishobora kugena igihe cyose ikabimenyesha Umukiriya; (b) “Umunsi w'Akazi wa Banki” bivuga umunsi ishami na/cyangwa Ikigo gishamikiye kuri Banki (nk'uko bibigenewe) bifunguye serivisi zisanzwe z'akazi; (c) “Ikigo Gishamikiye kuri Banki” bivuga ikigo cyangwa ibigo bishamikiye kuri Banki Banki ishobora kugena igihe cyose ikabimenyesha Umukiriya; (d) “Ishami” bivuga ishami cyangwa amashami ya Banki Banki ishobora kugena igihe cyose ikabimenyesha Umukiriya; (e) “Konti ya Banki” bivuga konti z'ibikorwa by'umuntu ku giti cye n'iz'ubucuruzi z'Umukiriya, konti z'inguzanyo zirengera ibirenze ubushobozi bwa konti (overdraft) n'konti z'amafaranga yabitswe igihe runaka cyangwa ku busabe (term and call deposit), uko bibaye kose, zifite muri Banki; (f) “Umukiriya” bivuga umukiriya wa Banki ufite konti ya Banki ikora; (g) “Itsinda ry'Umukiriya” bivuga Umukiriya n'iyo ari ikigo, ikigo kiyigenzura (niba gihari) n'ibigo bishamikiye kuri byo igihe cyose; (h) “Umuyobozi w'Ikigo” bivuga umuntu washyizweho n'abemerewe gukoresha konti ya Banki y'Umukiriya w'ikigo, kugira ngo ashyireho abandi bakoresha Serivisi za Banki kuri Internet; (i) “Umukoresha w'Ikigo/Utanga Amabwiriza” bivuga umukoresha wa Serivisi za Banki kuri Internet ufite uburenganzira bwo gukora cyangwa gutangiza amabwiriza mashya (kwishyura n'ibindi bisabwa) muri sisitemu, washyizweho n'Umuyobozi w'Ikigo; (j) “Umukoresha w'Ikigo wemerewe Byombi” bivuga umukoresha wa Serivisi za Banki kuri Internet ufite uburenganzira bwo gukora no kwemeza amabwiriza (kwishyura n'ibisabwa) muri sisitemu, washyizweho n'Umuyobozi w'Ikigo; (k) “Uwemeza Ikigo/Ugenzura” bivuga umukoresha wa Serivisi za Banki kuri Internet ufite uburenganzira bwo kwemeza amabwiriza yakozwe n'Utanga Amabwiriza w'Ikigo, washyizweho n'Umuyobozi w'Ikigo; (l) “Konti yo Kubitsa” bivuga konti ya Banki ifite amafaranga ahagije asigaye; (m) “Amategeko Rusange n'Amabwiriza” bivuga Amategeko Rusange n'Amabwiriza ya Banki Umukiriya yasinye igihe afungura konti ya Banki; (n) “Umukoresha/Abakoresha Batoranijwe” bivuga umuhagarariye cyangwa abahagarariye Umukiriya bemerewe n'Umukiriya kugira ijambo ryibanga no kurihindura, bityo bakagera kuri Sisitemu na Serivisi mu izina ry'Umukiriya; (o) “Ijambo ry'ibanga” bivuga ijambo ry'ibanga ribanga rizwi n'Umukiriya cyangwa Umukoresha Watoranijwe gusa, rikoreshwa mu kwinjira muri Sisitemu. Umukiriya cyangwa Umukoresha Watoranijwe ashobora guhindura ijambo ry'ibanga igihe cyose ashakiye; (p) “Icyifuzo” bivuga icyifuzo cyangwa itegeko Banki yakiriye ivuye ku Mukiriya cyangwa rivugwa ko riturutse ku Mukiriya binyuze muri Sisitemu, kandi Banki yemerewe gukurikiza; (q) “Serivisi” bivuga bimwe muri serivisi z'ikoranabuhanga za Banki kuri Internet, Banki itanga, bishobora kuba bihuriweho n'izina rimwe ry'igicuruzwa, Umukiriya ashobora kwiyandikishaho igihe cyose; (r) “Sisitemu” bivuga porogaramu ya mudasobwa ya banki n'itumanaho ituma Umukiriya avugana na Banki hagamijwe Serivisi. Sisitemu na Serivisi bizakoreshwa binyuze kuri Internet kuri urubuga rwa Banki, www.imbank.com, ku bijyanye no kwiyandikisha; (s) “Gusaba” bivuga gusaba Serivisi za Banki kuri Internet bikozwe n'Umukiriya; (t) “Indangamuntu y'Ukoresha” bivuga ikimenyetso kihariye cy'Umukiriya muri sisitemu ya Banki kuri Internet, akenshi ni Dosiye Iranga Umukiriya (CIF) yanditswe muri sisitemu nkuru ya Banki; kandi (u) “Indangamuntu y'Ikigo” bivuga ikimenyetso kihariye cy'Ikigo muri sisitemu ya Banki kuri Internet, akenshi ni Dosiye Iranga Umukiriya (CIF) w'ikigo yanditswe muri sisitemu nkuru ya Banki; 1.2 Muri aya Mategeko n'Amabwiriza: (a) iyo “Umukiriya” ari abantu barenze umwe, amagambo “Umukiriya” arimo abo bantu bose kandi inshingano z'Umukiriya ni iza buri wese n'abo bose hamwe; (b) amagambo y'umubare umwe arimo n'umubare w'ingereka n'ayo mu mubare w'ingereka arimo umubare umwe, kandi amagambo afite igitsina icyo ari cyo cyose arimo ibindi bitsina byose; (c) Umukiriya yemera ko Amategeko n'Amabwiriza ari hano yakurikizwa mu gukoresha Serivisi itangwa na Banki ku Mukiriya; kandi (d) Umukiriya yemera kandi kubahiriza ayo Mategeko n'Amabwiriza n'amabwiriza akurikizwa igihe cyose ari mu bikorwa.
Amategeko n'Amabwiriza y'Ubukangurambaga bw'Amakarita Yishyuwe Mbere 2019
Bwa Ubwishingizi bw'Ingendo bw'umwaka 1 ku buntu buraboneka ku muntu wese uguze Ikarita ya I&M Multicurrency Prepaid cyangwa Ikarita ya I&M Travel Prepaid mu gihe cy'ubukangurambaga (kuva tariki ya 18 Ukwakira 2019 kugeza tariki ya 31 Ukuboza 2019)
Igihe cy'ubukangurambaga bwa Ikarita zibanzirizwa Kwishyurwa za I&M kizaba kuva tariki ya 18 Ukwakira 2019 kugeza tariki ya 31 Ukuboza 2019.
Mu kwitabira ubukangurambaga, buri wese witabiriye yemera kandi yemeza ku buryo bwuzuye kandi nta mananiza ko amategeko n'amabwiriza yo kwitabira ndetse n'ibyemezo byose bifitanye isano n'ubukangurambaga ari ibya nyuma kandi bifite agaciro gakomeye.
Ikarita ya I&M Safari Prepaid n'Ikarita ya I&M Mpesa Prepaid ntabwo ziri mu bukangurambaga Ntibemerewe rero kubona Ubwishingizi bw'Ingendo bw'Umwaka 1 ku buntu.
Umukoresha w'Ikarita ntazashinja Banki kugira uruhare cyangwa gutanga ingurane ku gihombo cyangwa ibyangiritse byose Umukoresha w'Ikarita ashobora guhura nabyo mu buryo butaziguye cyangwa butaziguye bitewe n'ubukangurambaga bwavuzwe haruguru, ku mpamvu iyo ari yo yose.
Politiki y'Imbuga Nkoranyambaga
Amategeko n'Amabwiriza Agenga Ikoreshwa rya Serivisi ya I&M Next Generation Banking
(a) Umukiriya agomba kwishyura no kurinda Banki ibihombo byose ku buryo bwuzuye kandi budafite imipaka, ku bijyanye n'amafaranga yose (harimo n'amafaranga y'abavoka), ibirego, ibikorwa byo mu nkiko, imanza, ibihombo, ibyangijwe, ibisabwa, inshingano n'ibiciro byose Banki yagize, yahuye nabyo cyangwa yatakaje bifitanye isano na cyangwa biturutse ku (a), (b) na/cyangwa (c) by'agace ka 8.1 aho impamvu yihariye iri mu bushobozi bwa Umukiriya na/cyangwa Umukoresha Wemewe, ndetse no ku mafaranga yose (harimo n'amafaranga y'abavoka), ibirego, ibikorwa byo mu nkiko, imanza, ibihombo, ibyangijwe, ibisabwa, inshingano n'ibiciro Banki yagize cyangwa yatakaje bitewe no kutubahiriza kwose kwa Umukiriya na/cyangwa Umukoresha Wemewe ku itegeko cyangwa ku mabwiriza y'aya masezerano. (b) Umukiriya agomba kwishyura no kurinda Banki ibihombo ku bisabwa, ibirego, ibikorwa, ibihombo, ibyangijwe, amafaranga cyangwa ibiciro byose Banki ishobora kugira, guhura nabyo cyangwa kubabarizwa igihe icyo ari cyo cyose bitewe no gutanga Serivisi, keretse ibyo bisabwa, ibirego, ibikorwa, ibihombo, ibyangijwe cyangwa amafaranga byatewe n'uburangare bukabije cyangwa imyitwarire mibi ku bushake ya Banki cyangwa umwe mu bakozi bayo. (c) Umukiriya agomba kwishyura no kurinda Banki ibi bikurikira: (i) ibisabwa, ibirego, ibikorwa, ibihombo n'ibyangijwe by'ubwoko bwose bishobora gushyirwa kuri Banki cyangwa ibyo ishobora guhura nabyo cyangwa kugira bitewe no kwishingikiriza kwa Banki ku makuru cyangwa amakuru y'ibanze adakwiye, adasomeka, atuzuye cyangwa atariyo ari mu cyifuzo icyo ari cyo cyose; (ii) igihombo cyose cyangwa ibyangijwe byose bishobora guturuka ku gukoresha, gukoresha nabi, guhohotera cyangwa kugira mu biganza bya Umukiriya na/cyangwa Umukoresha Wemewe porogaramu iy'undi muntu, harimo ariko ntibigarukire gusa kuri sisitemu y'imikorere, porogaramu y'urubuga cyangwa izindi paki cyangwa gahunda za porogaramu; (iii) kwinjira kutemewe muri Konti za Banki cyangwa kuvunika kwose k'umutekano cyangwa kurimbura cyangwa kwinjira mu makuru ya Umukiriya cyangwa kurimbura, kwiba cyangwa kwangiza ibikoresho byose bya Umukiriya; (iv) igihombo cyose cyangwa ibyangijwe byose biterwa no kutubahiriza na Umukiriya na/cyangwa Umukoresha Wemewe amategeko n'amabwiriza akurikizwa kuri Serivisi na/cyangwa gutanga amakuru atari yo, cyangwa igihombo cyangwa ibyangijwe biterwa no kunanirwa cyangwa kutaboneka kw'ibikoresho cyangwa sisitemu by'undi muntu cyangwa kutabasha kw'undi muntu gutunganya igikorwa. 8.4 Niba ku mpamvu iyo ari yo yose itari iyavuzwe mu gace ka 8.1 Serivisi ibangamiwe cyangwa ntiboneke, inshingano yonyine ya Banki kuri ibyo ni ugusubizaho Serivisi vuba uko bishoboka cyangwa, uko Banki ibyifuza, gutanga kuri Umukiriya ubundi buryo bwa serivisi z'ibanki butagomba kuba ari ubw'ikoranabuhanga. 8.5 Usibye ibiteganyijwe mu gace ka 8.4, Banki ntizaba ibazwa na Umukiriya na/cyangwa Umukoresha Wemewe ku bangamiwe cyangwa kutaboneka kwa Serivisi, uko byaba byatewe kose. 8.6 Banki ntizigera na rimwe ibazwa na Umukiriya na/cyangwa Umukoresha Wemewe igihombo cy'inyungu cyangwa kuzigama byari biteganyijwe, cyangwa igihombo kitaziguye cyangwa gikomoka ku kindi icyo ari cyo cyose, uko cyaba cyatewe kose, giturutse cyangwa gifitanye isano na Serivisi. 8.7 Usibye ku rupfu cyangwa gukomereka ku mubiri bitewe n'uburangare bukabije cyangwa imyitwarire mibi ku bushake ya Banki, Banki nta nshingano izaba ifite ku kirego icyo ari cyo cyose gifitanye isano n'aya Mabwiriza n'Amategeko Agenga Gukoresha Serivisi z'Ibanki za Ejo Hazaza za I&M cyangwa ishyirwa mu bikorwa ryayo cyangwa ku bikorwa byose Banki yakoze mu gusubiza icyifuzo icyo ari cyo cyose, keretse Banki imaze kwakira mu nyandiko itangazo ry'ikirego nk'iki riturutse kuri Umukiriya rikurikira: (a) ku kirego cyose gifitanye isano n'igikorwa, mu gihe cy'iminsi mirongo itatu (30) uhereye igihe igikorwa gikekwa cyabereyeho gishingiye kuri icyo kirego; na (b) ku bindi birego byose, mu gihe cy'iminsi mirongo cyenda (90) uhereye igihe igikorwa cyangwa kutagikora bya Banki bikekwa gishingiye kuri icyo kirego. 8.8 Mu rwego rwemewe n'amategeko, Banki: (a) irahakana ingwate zose ku Sisitemu na Serivisi, yaba izivuzwe ku mugaragaro cyangwa izumvikana, harimo ariko ntizigarukire gusa ku ngwate zumvikana zijyanye n'ubuziranenge, kuba zikwiriye intego runaka cyangwa ubushobozi bwo kugera ku musaruro runaka; na (b) nta ngwate itanga ko Sisitemu idafite amakosa cyangwa ko ikoreshwa ryayo ritazahagarara, kandi Umukiriya yemera ko kubaho kw'ayo makosa bitazabarwa nk'isezerano ryishwe ry'aya Mabwiriza n'Amategeko Agenga Gukoresha Serivisi z'Ibanki za Ejo Hazaza za I&M.
8.1 Ibintu bidashobora kugenzurwa na Banki. Banki ntizaba ifite inshingano cyangwa ngo ibazwe igihombo cyose cyatewe Umukiriya na/cyangwa Umukoresha wagenwe igihe Serivisi yabangamiwe cyangwa itaboneka kubera (a) ibikorwa by'imyigaragambyo y'abakozi, (b) kunanirwa kwa kimwe mu bikoresho by'Umukiriya cyangwa (c) izindi mpamvu zose zidashobora kugenzurwa na Banki, harimo ariko atari aho gusa, ibintu bitateganyijwe (force majeure) cyangwa amakosa, guhagarara, gutinda cyangwa kutaboneka kwa Sisitemu, ibikorwa by'iterabwoba cyangwa by'umwanzi, kunanirwa kw'ibikoresho, gucika kw'amashanyarazi, ibihe bibi by'ikirere cyangwa by'umwuka, ndetse no kunanirwa kwa sisitemu y'itumanaho ya Leta cyangwa iy'abikorera. 8.2 Kwishyura Fagitire hakoreshejwe Ikoranabuhanga no Kohereza Amafaranga. (a) Banki ntizaba ibazwa igihombo cyangwa ibyangiritse byose byatewe Umukiriya na/cyangwa Umukoresha wagenwe bitewe no gutinda, kunanirwa na/cyangwa kwanga kwa Banki gukora ku Isabwa mu gihe cyangwa rwose, mu bihe bikurikira cyangwa bimwe muri byo (uko bikwiye): (i) iyo Umukiriya nta mafaranga ahagije ari kuri Konti Ibitsa ukurikije ibiteganywa mu gika cya 5 hejuru; (ii) iyo Umukiriya na/cyangwa Umukoresha wagenwe atemeje kwishyura fagitire mu gihe gihagije kugira ngo yishyurwe kandi yandikwe neza ku uwakiriye (uwo Umukiriya akorana na we) bitarenze igihe cyayo; (iii) iyo Sisitemu cyangwa Ibikoresho bitakora neza uko bikwiye; (iv) iyo impamvu zitari mu bushobozi bwa Banki, harimo izivugwa mu gika 8.1 hejuru, zibuza Banki gukora kwishyura cyangwa kohereza; (v) iyo amafaranga ari kuri Konti Ibitsa ari mu nzira z'amategeko, mu cyemezo cy'urukiko cyangwa ahandi hantu hafungiye ko kwishyura cyangwa kohereza bitemewe; (vi) iyo Umukiriya na/cyangwa Umukoresha wagenwe atanga amabwiriza atuzuye cyangwa adahagije yo kwishyura cyangwa kohereza, cyangwa iyo Umukiriya na/cyangwa Umukoresha wagenwe atubahiriza amabwiriza agenga aya Mategeko n'Amabwiriza Agenga Gukoresha Serivisi z'Ikoranabuhanga za I&M Next Generation Banking cyangwa andi masezerano yemewe hagati ye na Banki ku bijyanye no gusaba kwishyura cyangwa kohereza; (vii) iyo Banki ifite impamvu yo gukeka ko Umukiriya na/cyangwa Umukoresha wagenwe cyangwa undi muntu wese akoresha Serivisi mu buriganya cyangwa mu bikorwa binyuranyije n'amategeko; (viii) iyo icyifuzo cyo kwishyura cyangwa kohereza gikubiyemo amafaranga yashyizwe mu buryo cyangwa binyuze mu buryo butaremeza ko ayo mafaranga ashobora kubikuzwa; (ix) iyo icyifuzo cyo kwishyura cyangwa kohereza kinyuranye cyangwa kigongana n'andi masezerano abaho ku Konti za Banki. (b) Iyo Banki yakoze kwishyura cyangwa kohereza ku gihe ariko uwakiriye akanga kwandika amafaranga y'Umukiriya vuba nyuma yo kuyakira, Banki ntizaba ibazwa igihombo cyangwa ibyangiritse byose byatewe Umukiriya na/cyangwa Umukoresha wagenwe bitewe n'uko uwakiriye yanze kubikora.
7.1 Umukiriya agomba kwishyura Banki amafaranga yo gutangira gukoresha Serivisi (initial set up fee) n'amafaranga yo kwiyandikisha buri kwezi (monthly subscription fee) ya Serivisi, hiyongereyeho amafaranga y'ibikorwa bitandukanye by'ubucuruzi ajyanye na Serivisi, nk'uko Banki ibimenyesha igihe cyose. Banki ishobora, ku bushake bwayo bwonyine, guhindura ayo mafaranga n'ayandi nyuma yo guha Umukiriya integuza y'iminsi mirongo itatu (30). Banki kandi ishobora, ku bushake bwayo bwonyine, kudakuraho amafaranga yo gutangira gukoresha Serivisi na/cyangwa amafaranga yo kwiyandikisha buri kwezi cyangwa igice cyayo. 7.2 Umukiriya agomba kwishyura imisoro yose ishyirwa ku mafaranga yose Umukiriya agomba kwishyura Banki, ndetse n'andi mafaranga cyangwa imisoro yose ashyirwa kuri Umukiriya cyangwa Banki n'urwego rwa Leta cyangwa urundi rwego rwemewe n'amategeko bijyanye no gutanga Serivisi. 7.3 Banki yemerewe burundu guhora ikura ku Konti yose ya Banki mu mafaranga yose, amafaranga yose Umukiriya agomba kwishyura hakurikijwe ibiteganywa mu bika 7.1 na/cyangwa 7.2. Usibye amafaranga yishyurwa hakurikijwe Amabwiriza n'Amategeko Agenga Gukoresha Serivisi za Banki ya I&M Next Generation, amafaranga n'ibiciro bikurikizwa kuri Konti (za) ya Banki y'Umukiriya nabyo bizakomeza gukurikizwa.
6.2 Ibikorwa byose bijyanye na Serivisi bikozwe n'Umukiriya na/cyangwa Umukoresha Wemewe umaze guhabwa uburenganzira bwo kwinjira muri Sisitemu bizandikwa mu igazeti igihe cyose Umukiriya na/cyangwa Umukoresha Wemewe afite uburenganzira bwo kwinjira muri Sisitemu. Banki izabika kopi z'Ibyifuzo byose mu buryo bwa elegitoroniki bukoreshwa. 6.3 Inyandiko zose n'andi makuru ya elegitoroniki y'amajwi, amashusho n'inyandiko yaba ari yo yose Banki ifite, yatanze cyangwa yabitse ajyanye n'Icyifuzo na/cyangwa Serivisi, keretse habayeho ikosa rigaragara, azaba ari ibimenyetso bidashidikanywaho by'Icyifuzo na/cyangwa Serivisi n'ibikorwa byose bijyanye na byo, kandi ntazemererwa kugisha impaka n'Umukiriya na/cyangwa Umukoresha Wemewe ku mpamvu iyo ari yo yose. 6.4 Umukiriya azabarwa ko yemeye nta shiti ibikorwa byose bijyanye n'Icyifuzo na/cyangwa Serivisi biri mu itangazo ry'konti Banki yatanze ku Mukiriya ajyanye n'Icyifuzo na/cyangwa Serivisi, kandi ntazongera kubigisha impaka cyangwa kubyanga, keretse Umukiriya abyandikiye Banki ayanga ibikorwa byavuzwe mu itangazo ry'konti mu minsi 15 uhereye igihe itangazo ryatanzwe cyangwa ryabarwaho ko ryatanzwe na Banki ku Mukiriya.
Umukiriya na / cyangwa Umukoresha Wemewe ashobora kohereza cyangwa gukora cyangwa kwishyura amafaranga y'ingano iyo ari yo yose hakurikijwe ibivugwa mu gika cya 3.10 cy'Amategeko n'Amabwiriza Agenga Ikoreshwa rya Serivisi z'Ubucuruzi bwa Banki z'Igihe Kizaza za I&M, ariko ibyo bikorwa bijyanye na Serivisi ntibigomba gutuma amafaranga asigara kuri Konti y'Ubitsa agabanuka munsi y'amafaranga ntarengwa yagenwe kuri iyo Konti y'Ubitsa cyangwa ngo arenze umupaka w'inguzanyo y'ikirenga yemejwe na Banki ku Konti y'Ubitsa), keretse Umukiriya afite Konti y'Igihe Kirekire itandukanye yashyizwe ku ruhande neza muri Banki kugira ngo itwikire ibirenze bishobora kuvuka kuri Konti y'Ubitsa yagizweho ingaruka igihe cyose; muri icyo gihe izo Konti z'Ubitsa zigomba guhuzwa muri Sisitemu kuri uwo mugambi, kandi icyo gikorwa ntigishobora gutuma amafaranga arenze ku Konti y'Ubitsa yagizweho ingaruka arenga ingano yashyizwe ku ruhande muri Konti y'Igihe Kirekire.
4.1 Banki yemerewe n'uburenganzira butagira imipaka n'umukiriya gukora ku Basabwa byose no kumubaza ibirebana nabyo, nubwo ayo Basabwa atatanzwe cyangwa atemejwe n'umukiriya na/cyangwa Umukoresha Watanzwe, cyangwa ngo abe atujuje ibiteganywa n'uburenganzira bwose bwari buhari umukiriya yahaye Banki. Umukiriya na/cyangwa Umukoresha Watanzwe nibasaba Banki guhagarika igikorwa cyangwa amabwiriza runaka nyuma yuko Banki yakiriye Icyifuzo cyavuye ku mukiriya, Banki ishobora, mu bushishozi bwayo bwose kandi bwuzuye, guhagarika icyo gikorwa cyangwa ayo mabwiriza. 4.2 Banki ifite uburenganzira bwo kwakira no gukurikiza icyifuzo icyo ari cyo cyose, nubwo cyaba kituzuye cyangwa kidasobanutse neza, igihe Banki, mu bushishozi bwayo bwose kandi bwuzuye, yemeza ko ishobora kugikurikiza nubwo kituzuye cyangwa kidasobanutse. 4.3 Banki ntiyemerewe kwakira cyangwa gukurikiza icyifuzo icyo ari cyo cyose niba gukora ibyo byasaba kugera ku, gukorwa na, cyangwa gukoresha amakuru avuye mu Ishami, cyangwa mu Kigo Gishamikiye cyose giherereye mu gihugu aho atari umunsi w'akazi w'ibanki igihe ibyo bikenewe, cyangwa byatera kurenga ku ntego, aho bwakorera ibikorwa, cyangwa ku masezerano yose ahari hagati ya Banki n'umukiriya. Igihe Banki yakira cyangwa igakurikiza icyifuzo nk'icyo, umukiriya azakomeza kubazwa no kugeza ku Banki indishyi ku birego, ibyifuzo, igihombo, ibiciro, ibyangiritse, inshingano cyangwa ibiciro byose Banki yashobora kugira igihe icyo ari cyo cyose bitewe no kwakira cyangwa gukurikiza icyo cyifuzo. 4.4 Mu gihe habaye ukutumvikana hagati y'ibiri mu Cyifuzo icyo ari cyo cyose cyatanzwe n'umukiriya n'Amategeko n'Amabwiriza Agenga Ikoreshwa rya Serivisi z'Ibanki z'Ikinyejana Gishya cya I&M, Amategeko n'Amabwiriza Agenga Ikoreshwa rya Serivisi z'Ibanki z'Ikinyejana Gishya cya I&M ni yo azakurikizwa. Amategeko n'Amabwiriza Agenga Ikoreshwa rya Serivisi z'Ibanki z'Ikinyejana Gishya cya I&M n'ibyemezo byose n'inzira zindi zivuyeho byunganira Amategeko Rusange n'Amabwiriza n'izindi ntego zose, zikoreshwa ku Konti ya Banki.
3.1 Umukiriya agomba, ku giciro cye bwite, gutanga no kubungabunga mu buryo bwizewe kandi bukora neza ibikoresho bya mudasobwa (hardware), porogaramu (software), telefoni n’ibindi bikoresho n’ibikorwa by’itumanaho (harimo uburyo bwo kugera ku nzira z’itumanaho rusange) ndetse n’urusobe rw’itumanaho (byose hamwe bitwa “Ibikoresho”) bikenewe kugira ngo abashe kugera kuri Sisitemu na Serivisi. 3.2 Umukiriya ni we uzabazwa gukurikirana neza imikorere y’Ibikoresho, harimo n’igihombo cyose cyangwa gutinda kwose gishobora guterwa na byo. Banki nta nshingano cyangwa umwenda ifite ku makosa cyangwa ibibazo byose biterwa n’imikorere mibi y’Ibikoresho, kandi Banki nta nshingano cyangwa umwenda ifite ku buhumyi bwa mudasobwa (computer virus) cyangwa ibibazo bijyanye na yo bishobora kuvuka ku bijyanye no gukoresha Sisitemu, Serivisi n’Ibikoresho. Umukiriya ni we uzishyura amafaranga yose asabwa n’utanga serivisi uha umukiriya ihuza ry’interineti, telefoni zigendanwa, telefoni cyangwa izindi serivisi z’itumanaho zikwiye, kandi Banki nta nshingano cyangwa umwenda ifite ku gihombo cyangwa gutinda biterwa n’utanga serivisi nk’uwo. 3.3 Umukiriya agomba kubona uruhushya rwose n’ibyemezo byose bikenewe kugira ngo abone kandi akoreshe Sisitemu, kandi agomba kwemeza ko abantu bose yemerera kugera kuri Sisitemu bubahiriza amategeko n’amabwiriza yose akurikizwa ku gukoresha Sisitemu, bagakurikiza amabwiriza, inzira n’amasezerano yose biri mu Mabwiriza n’Amasezerano Agenga Gukoresha Serivisi za I&M Next Generation Banking Facility n’ikindi gitabo cyose Banki itanga kijyanye no gukoresha Sisitemu na Serivisi. 3.4 Umukiriya agomba gukumira uburyo bwose butemewe bwo kugera kuri Sisitemu na Serivisi no/cyangwa kuyikoresha, abikora abika telefoni ye igendanwa, amakarita ya SIM na/cyangwa Ibikoresho bya Mobile Banking mu buryo butekanye, kandi agatuma PIN ya Mobile Banking iguma ari ibanga igihe cyose. Umukiriya agomba kwemeza ko PIN ye ya Mobile Banking itamenyekana cyangwa ngo igere mu maboko y’umuntu utemerewe. 3.5 Umukiriya agomba gufata ingamba zose zikwiye kandi zikenewe kugira ngo amenye ikoreshwa ryose ritemewe rya Sisitemu na Serivisi. Muri urwo rwego, Umukiriya agomba kwemeza ko ubutumwa bwose buva muri Banki busuzumwa kandi bugenzurwa na we cyangwa mu izina rye hakiri kare bishoboka nyuma yo kububona, mu buryo ko gukoresha no kugera kuri Sisitemu bitemewe bizamenyekana. 3.6 Umukiriya agomba guhita amenyesha Banki kuri telefoni, hanyuma akohereza icyemezo cyanditse ku munsi umwe, mu gihe: (a) Umukiriya afite impamvu yo gutekereza ko PIN ya Mobile Banking imenyekanye cyangwa ishobora kumenyekana n’umuntu utemerewe kandi/cyangwa yangiritse; na/cyangwa (b) Umukiriya afite impamvu yo gutekereza ko habayeho cyangwa hashobora kuba habayeho ikoreshwa ritemewe rya Sisitemu na/cyangwa Serivisi cyangwa ko hashobora kuba harabayeho cyangwa hashobora kubaho ikoreshwa ritemewe, kandi/cyangwa ko igikorwa cy’imari gifitanye isano na Serivisi cyashobora kwinjizwa mu buryo bw’uburiganya cyangwa kikaba cyangiritse; (c) Umukiriya afite impamvu yo gutekereza ko telefoni ye cyangwa aderesi ye ya imeyili yakoreshejwe nabi mu buryo ubwo ari bwo bwose n’undi muntu wa gatatu. 3.7 Umukiriya na/cyangwa Umukoresha Watanzwe ntibagomba kohereza cyangwa kugerageza kohereza Icyifuzo icyo ari cyo cyose kuri Banki binyuze kuri Sisitemu mu gihe Umukiriya afite impamvu yo gutekereza ko, ku mpamvu iyo ari yo yose, icyo cyifuzo gishobora kutakirwa na Banki cyangwa ntikizakirwe neza kandi neza bisobanutse. 3.8 Umukiriya na/cyangwa Umukoresha Watanzwe bagomba igihe cyose gukurikiza uburyo bw’umutekano bwamenyeshejwe Umukiriya na Banki igihe cyose cyangwa izindi nzira zose zishobora gukurikizwa kuri Serivisi igihe icyo ari cyo cyose, cyane cyane izashyizwe ku rubuga rw’interineti rwa Banki cyangwa mu bitabo by’ibicuruzwa. Umukiriya yemera ko kutubahiriza kwa Umukiriya na/cyangwa Umukoresha Watanzwe uburyo bw’umutekano bwasabwe bishobora gutera kumena ibanga rya Access Profile no gutuma Sisitemu na/cyangwa Serivisi bikoreshwa mu buryo butemewe. By’umwihariko, Umukiriya agomba kwemeza ko Serivisi idakoreshwa cyangwa ngo Ibyifuzo bitangwe cyangwa imirimo ibigenewe ikorwe n’undi muntu utari umuntu wemerewe kubikora. 3.9 Umukiriya na/cyangwa Umukoresha Watanzwe ntibagomba na rimwe gukoresha cyangwa gukora Serivisi mu buryo bushobora kugira ingaruka mbi kuri Banki. 3.10 Umukiriya yumva kandi yemera ko ashobora guhuza Konti ya Banki n’abasinyira benshi kuri Access Profile ye na Serivisi gusa igihe yatanze kuri Banki Fomu Nyayo ya Porogaramu yasinywe n’abasinyira bose ba Konti ya Banki yavuzwe, yemeza ko Banki yemerewe gukora ku Byifuzo byose. Ni inshingano y’umwihariko ya Umukiriya kwemeza ko nta bantu batemerewe bafite uburenganzira bwo kugera kuri Konti ya Banki yavuzwe. 3.11 Banki ifite uburenganzira n’uruhushya rwo gukuza (debit) Konti ya Banki ya Umukiriya amafaranga y’ibikorwa byakozwe binyuze kuri Serivisi, ndetse no gukuza Konti ya Banki ya Umukiriya amafaranga y’amafaranga yose akurikizwa kuri Serivisi igihe icyo ari cyo cyose.
2.1 Banki nimara kwemeza Ubusabe bwo kwiyandikisha, no kumara kwishyura Umukiriya amafaranga n'ibindi biciro byagenwe mu gika cya 7 cyo hepfo, Banki izatanga Serivisi ku Mukiriya bitewe n'kandi hakurikijwe Amabwiriza n'Amategeko Rusange Agenga Imikoreshereze ya I&M Next Generation Banking Facility, ndetse n'Amabwiriza Rusange. 2.2 Iyo Umukiriya yiyandikishije kuri Serivisi ya I&M Infomail, Umukiriya agomba kugaragaza aderesi ya imeli mu Rupapuro rwo Gusaba, iyo aderesi ya imeli izandikwa na Banki. Ni ubusabe gusa bwoherejwe kuri iyo aderesi ya imeli yandikishijwe ni bwo Banki izakurikiza. 2.3 Iyo Umukiriya yiyandikishije kuri Serivisi ya I&M Mobile Banking, Umukiriya agomba kugaragaza nimero ya telefone mu Rupapuro rwo Gusaba, iyo nimero izandikwa na Banki. Ni ubusabe gusa bwoherejwe kuri iyo nimero ya telefone ni bwo Banki izakurikiza. Umukiriya ashobora kwandikisha nimero imwe gusa ya telefone muri Banki. 2.4 Iyo Umukiriya yiyandikishije kuri Serivisi ya I&M Pesa Link, Umukiriya azagena Konti ya Banki/Ikarita na nimero ya telefone igendanwa mu gihe cy'iyandikishwa rya mbere. 2.5 Umukiriya yiyemeje gutanga amakuru nyayo mu Busabe bwo kwiyandikisha, kandi yiyemeje ko Umukiriya na/cyangwa Umukoresha Watanzwe bazatanga ako kanya amakuru nyayo yunganira iyandikishwa igihe cyose Banki ibisabye. Umukiriya na/cyangwa Umukoresha Watanzwe bazaba bashinzwe ukuri n'ukuri kw'amakuru yose batanze kuri Banki. Banki ntizaba ifite inshingano ku Mukiriya na/cyangwa Umukoresha Watanzwe cyangwa undi muntu wese wa gatatu ku gihombo cyangwa ibyangiritse byose biturutse ku makuru atari ukuri yatanzwe n'Umukiriya na/cyangwa Umukoresha Watanzwe, uko byaba byarateye kose. Umukiriya na/cyangwa Umukoresha Watanzwe biyemeje nta shiti kandi ntibasubirwaho ko bazishyura Banki ibihombo byose biturutse ku makuru atari ukuri yatanzwe nabo, harimo ibirego, ibisabwa, ibihombo, ibiciro, ibyangiritse, inshingano cyangwa amafaranga yose Banki ishobora guhura nabyo igihe icyo ari cyo cyose kubera kwizera ayo makuru, kandi biyemeje kuzishyura Banki yose ku gihe cyasabwe, amafaranga yose, ibihombo, ibiciro, ibyangiritse, inshingano n'amafaranga Banki yatanze, yahuye nabyo cyangwa yagize nk'ingaruka z'ibyo. 2.6 Banki ifite uburenganzira bwo kongera, guhindura, gusimbuza cyangwa gukuraho Serivisi iyo ari yo yose igihe icyo ari cyo cyose, kubera impamvu iyo ari yo yose, idatanzwe kumenyeshwa mbere Umukiriya.
Niba igice cyose cy'Amasezerano aya ari cyo cyose (cyangwa igice cy'igika icyo ari cyo cyose) gisanzwe na Urukiko urwo ari rwo rwose rw'u Rwanda ko ari ntacyo kimaze, ntigikurikizwa cyangwa ntigishobora gushyirwa mu bikorwa, icyo gice cyangwa icyo gika bizafatwa nk'aho bitagize igice cy'Amasezerano, mu rugero rukenewe, kandi ubuziranenge n'ishyirwa mu bikorwa ry'ibindi bice by'Amasezerano ntibizagira ingaruka.
Nta kintu na kimwe muri aya Masezerano kigamije cyangwa gishobora gutuma habaho ubufatanye hagati y'impande zombi, cyangwa kwemerera impande imwe gukora nk'uhagarariye undi, kandi nta ruhande rufite uburenganzira bwo gukorera mu izina cyangwa ku bw'undi cyangwa ngo rimwiyemeze mu buryo ubwo ari bwo bwose (harimo gutanga ikigaragaza cyangwa icyizeza, gufata inshingano cyangwa umwenda no gukoresha uburenganzira cyangwa ububasha ubwo ari bwo bwose).
14.1 Aya Mabwiriza n'Amategeko shingiro azagengwa kandi asobanurwe hakurikijwe Amategeko ya Repubulika y'u Rwanda. 14.2 Igihe habaye ikirego cyangwa impaka zivutse ku masezerano cyangwa zifitanye isano na yo, impande zombi, nyuma yo guhabwa integuza yanditse na rumwe ruyiha urundi, zizagerageza gukemura izo mpaka cyangwa ikirego mu bwumvikane, binyuze mu biganiro n'imishyikirano bikozwe mu mutima mwiza, mu gihe cyihuse gishoboka (kandi mu buryo bwose ntirenze iminsi 14 y'ikirangaminsi nyuma y'iyo integuza cyangwa ku itariki nyuma yayo impande zizaba zemeranyijeho mu nyandiko). Iyo ibyo binaniranye, impaka zose zivutse ku masezerano cyangwa zifitanye isano na yo zizashyikirizwa urukiko rw'abunzi rugizwe n'umunyamategeko umwe uzashyirwaho n'impande zombi binyuze mu bwumvikane, cyangwa mu gihe nta bwumvikane bwabaho mu minsi cumi n'ine (14) kuva imenyeshejwe impaka, ku busabe bw'rumwe mu mpande, n'Umuyobozi uriho ubu w'Ishami ry'u Rwanda ry'Ikigo Cyemewe cy'Abunzi cy'Ubwongereza. Ubwo buhuza buzakorerwa i Nairobi hakurikijwe Amabwiriza y'Ubuhuza y'icyo Kigo kandi hubahirijwe Itegeko ry'Ubuhuza ryo mu 1995. 14.3 Banki n'Umukiriya bemeye ku bushake ubutegetsi bw'Inkiko z'u Rwanda butagira ubundi bubutegetsi buhabanye, kandi Banki ifite uburenganzira bwo gushyira mu bikorwa urubanza rwayo ahantu hose mu gihugu icyo ari cyo cyose Umukiriya akorera ubucuruzi cyangwa afite umutungo.
13.1 Umukiriya yemera ko uburenganzira bw'umutungo bwo mu bwenge ku Ikoranabuhanga (n'impinduka cyangwa iterambere ryaryo igihe cyose) n'inyandiko zose zifitanye na ryo Banki iha Umukiriya binyuze mu Ikoranabuhanga cyangwa ubundi buryo, ari ubw'Banki cyangwa ubw'abandi bantu Banki ifite uburenganzira bwo gukoresha no guha uburenganzira bwo gukoresha Ikoranabuhanga na/cyangwa izo nyandiko. Umukiriya ntazarenga ku burenganzira ubwo ari bwo bwose bw'umutungo bwo mu bwenge. 13.2 Umukiriya ntazigana, ngo akore kopi cyangwa ngo ahindure mu buryo ubwo ari bwo bwose Ikoranabuhanga n'inyandiko zifitanye na ryo atabanje kubona uburenganzira bwanditse bwa Banki.
12.1 Umukiriya yiyemeza kubungabunga ibanga ryuzuye ku Ijambobanga rye rya Mobile Banking (PIN) ndetse n'andi makuru n'ibikoresho byose by'ubwoko bwose yahawe na Banki bijyanye na Serivisi. Umukiriya yemera kumenyesha abakozi be, abakozi be bakora ku giti cyabo n'/cyangwa abagaba b'imirimo (sub-contractors) ibivugwa muri iyi paragarafu, no gusaba ko bubahiriza iri banga binyuze mu masezerano yihariye, igihe bibaye ngombwa. Umukiriya azaba afite inshingano zose ku Banki ku kosa ryose ryakozwe na we ubwe, abakozi be, abahagarariye n'/cyangwa abagaba b'imirimo ku bisabwa muri iyi paragarafu. 12.2 Umukiriya yemera ko, igihe bibaye ngombwa mu gutanga Serivisi, Banki ishobora gutangaza amakuru ajyanye n'Umukiriya ku wese mu Bafatanyabikorwa ba Banki cyangwa Abafatanyabikorwa b'Umukiriya. 12.3 Umukiriya yemera byongeye ko Banki ishobora gutangaza amakuru ajyanye n'Umukiriya ku bandi bantu bo hanze mu bihe bikurikira: – (a) igihe gutangaza ayo makuru ari ngombwa kugira ngo Banki ikore ku Gusaba; (b) mu rwego rwo kubahiriza itegeko, amabwiriza, icyemezo cy'urukiko n'/cyangwa inshingano z'amasezerano za Banki. Iyo Banki igomba kubahiriza itegeko ryo gusaba amakuru ryatanzwe n'urwego rwa Leta rwemewe, Banki izamenyesha Umukiriya mbere yo gutanga ayo makuru, ku rugero rusabwa n'amategeko; (c) gutanga amakuru ku bagaba ba Banki, abagaba b'imirimo, abagenzuzi b'imari, abavoka n'abandi batanga serivisi z'umwuga, ku rugero rusabwa mu mirimo isanzwe y'inshingano zabo; (d) gutanga amakuru ku kigo cyemewe gitanga amakuru y'inguzanyo, serivisi zacyo Banki ishobora kuba yariyandikishijeho; (e) igihe bifitanye isano n'ikirego gitanzwe na Banki cyangwa kiyiregwaho bijyanye n'icyo cyashyizwe muri Konti ya Banki cyangwa cyakuwe kuri yo; na (f) igihe Umukiriya yemereye gutangaza ayo makuru.
11.1 Umukiriya ntashobora kwegurira undi uwo ari we wese inyungu cyangwa uburenganzira bukomoka kuri aya masezerano atabanje kubona uburenganzira cyangwa kwemezwa mu nyandiko biturutse kuri Banki. 11.2 Kutagira icyo Banki ivuga cyangwa ngo ifate ku kurenga kwose kwakozwe n'umukiriya na/cyangwa Umukoresha Watanzwe ku mabwiriza yose agenga Amabwiriza n'Amasezerano yo Gukoresha Serivisi z'Imari ya I&M Next Generation ntibizaba bifite agaciro keretse habaye kutemera kwanditse kandi kweruye kuri uwo murenganyo. Kutagira icyo Banki ivuga ku murenganyo uwo ari wo wose ntibisobanura ko yemeye imirenganyo izakurikira yakozwe n'umukiriya na/cyangwa Umukoresha Watanzwe. 11.3 Umukiriya yemeza ko: (a) nta na rimwe yashingiye ku buhamya, isezerano, icyizere, igitekerezo cyangwa indi mpamvu yose yatanzwe na Banki cyangwa mu izina ryayo, cyangwa ivugwa ko yatanzwe na Banki cyangwa mu izina ryayo mu gihe cyo kwiyandikisha; kandi ko (b) nta muntu n'umwe ufite cyangwa wigeze agira ububasha bwo mu izina rya Banki, yaba mbere, ubwo cyangwa nyuma yo kwiyandikisha, wo gutanga cyangwa gukora ubwo buhamya, isezerano, icyizere, igitekerezo cyangwa indi mpamvu yose igamije kwemeza umukiriya, cyangwa kwinjira mu masezerano yo ku ruhande cyangwa ayunganira ayo ari yo yose hamwe n'umukiriya ajyanye na Serivisi. 11.4 Aya Mabwiriza n'Amasezerano yo Gukoresha Serivisi z'Imari ya I&M Next Generation asimbuye amasezerano, amategeko n'ibyumvikanyweho byose byabanje hagati y'impande zombi, kandi ni yo asezerano yose hagati y'impande zombi ajyanye n'icyo asezerano ryerekeyeho. Kugira ngo hirindwe urujijo, ibirimo byose muri aya masezerano ntibihindura, ntibisesa, cyangwa ngo bigire ingaruka cyangwa ibindi bibangamira ingwate iyo ari yo yose yatanzwe n'umukiriya cyangwa undi muntu wa gatatu ku nyungu za Banki ajyanye n'inshingano z'umukiriya zishobora kuvuka igihe Banki izaba yakurikije icyifuzo cyose umukiriya azaba yatanze hakurikijwe aya masezerano. 11.5 Buri ngingo y'Amabwiriza n'Amasezerano yo Gukoresha Serivisi z'Imari ya I&M Next Generation yigenga kandi itandukanye n'izindi. Igihe icyo ari cyo cyose ingingo imwe muri aya Mabwiriza n'Amasezerano iba cyangwa igahinduka itemewe mu mategeko, idafite agaciro cyangwa idashobora gushyirwa mu bikorwa mu buryo ubwo ari bwo bwose, uko byemewe mu mategeko, agaciro cyangwa ishyirwa mu bikorwa ry'izindi ngingo zisigaye za Amabwiriza n'Amasezerano yo Gukoresha Serivisi z'Imari ya I&M Next Generation ntibizagira ingaruka cyangwa ngo bihungabanywe muri ubwo buryo ubwo ari bwo bwose. 11.6 Itangazo ryose risabwa gutangwa mu nyandiko hakurikijwe aya Mabwiriza n'Amasezerano yo Gukoresha Serivisi z'Imari ya I&M Next Generation rizaba ryatanzwe bihagije rishyizwe mu iposita yandikishijwe, ryashyizweho amafaranga y'iposita kandi ryanditseho aderesi nyayo: (a) ku Muyobozi w'Ishami cyangwa wa Banki ku aderesi y'iposita y'Ishami cyangwa ya Banki, iyo rigomba gutangwa kuri Banki; cyangwa (b) ku Mukiriya ku aderesi yandikishijwe muri Banki ku bijyanye na Konti ya Banki, iyo rigomba gutangwa ku Mukiriya; kandi rizafatwa nk'aho ryatanzwe iminsi itanu y'akazi ya Banki nyuma yo koherezwa.
10.1 Nta gihindura icyo ari cyo cyose kiri muri aya Mabwiriza n'Amategeko Agenga Ikoreshwa rya Serivisi za I&M Next Generation Banking, Serivisi ishobora guhagarikwa igihe icyo ari cyo cyose na Banki cyangwa Umukiriya utanze icyo kindi amezi imwe y'ikiteganyo y'ikirangaminsi, ARIKO mu gihe habaye impinduka mu mategeko cyangwa mu bikurikizwa, cyangwa ikindi kintu cyose ku bwa Banki gishobora guhungabanya Banki mu gukomeza gutanga Serivisi ku Mukiriya, Banki ifite uburenganzira bwo guhagarika Serivisi igihe icyo ari cyo cyose itabanje kubimenyesha Umukiriya. 10.2 Umukiriya nahagarika Serivisi, Banki ishobora gukomeza gukora ibyishyurwa rya fagitire mu buryo bw'ikoranabuhanga, kohereza amafaranga n'ibindi bikorwa Umukiriya yari yaremereye mbere, kugeza igihe Banki izaba ibonye igihe gihagije cyo gukurikiza itangazo ry'Umukiriya ryo guhagarika. 10.3 Guhagarika Serivisi ntibizahagarika cyangwa ngo bigire ingaruka ku mubano w'Umubitsi n'Umukiriya hagati ya Banki n'Umukiriya. 10.4 Paragarafu ya 8, 11.3, 11.6 na 12 zizakomeza gukurikizwa nyuma yo guhagarika Serivisi.
1.1 In these Terms and Conditions (the “Terms and Conditions Governing The Use of I&M Next Generation Banking Facility”), including any Schedule, unless the context otherwise requires:
(a) “Access Profile” means the information and or documentation held by the Bank in respect of the Customer and/or the Nominated User for purposes of the Customer’s and/or Nominated User’s access to the System and/or use of the service;
(b) “Application Form” means the Form to be completed for Subscription;
(c) “Associate” means the same as the definition of “associate” under the relevant provisions of the Banking Act, Chapter 488 of the Laws of Rwanda;
(d) “Bank” means I&M Bank Ltd;
(e) “Banking Day” means a day on which the counters of the Branch and/or the Subsidiary (as applicable) are open for the transaction of ordinary business;
(f) “Branch” means (including the main registered office of the Bank) all places either in or outside the Republic of Rwanda where the Bank’s business is operated and conducted;
(g) “Bank Account” means an account held by the Customer with the Bank (including without limitation) any account in relation to any advance, deposit, contract, product, dealing or service established and operated between the Bank and the Customer;
(h) “Card” means the Credit Card, Debit Card and/or Prepaid Card issued by the Bank to the Customer and/or to the Nominated User;
(i) “Customer” means a holder of a Bank Account whose Subscription has been approved by the Bank;
(j) “Deposit Account” means a Bank Account with an amount therein which can be drawn by the Customer without any restriction by the Bank;
(k) “Email” means Electronic Mail;
(l) “Electronic Banking Services” means the Bank’s Next Generation Banking Facility;
(m) “General Terms and Conditions” means the I&M Bank Limited General Terms and Conditions in respect of the Bank Account;
(n) “I&M Infomail Service” means (including without limitation) the service extended by the Bank to a Customer whereby the Bank transmits to the Customer an appropriate email message containing information on balances and transactions in the Bank Account;
(o) “I&M Mobile Banking Service” means (including without limitation) the service extended by the Bank to a Customer whereby upon request by a Customer and/or Nominated User to the Bank through a Phone :
(i) the Bank transmits to the Phone information on the balance and/or transactions in the Bank Account;
(ii) effects a transfer of an amount from a Deposit Account to another Bank Account, Card or Phone Account, including through I&M Pesa Link Service;
(iii) the Customer and/or Nominated User purchases Airtime using funds held in a Deposit Account;
(iv) the Customer and/or Nominated User pays Bills from selected service providers (as may be notified by the Bank to the Customer from time to time) using funds held in a Deposit Account;
(v) the Customer and/or Nominated User pays a merchant for Goods or Services received using funds held in a Deposit Account;
(vi) the Bank acts upon Request including but not limited to Requests to stop a Cheque, issue a Cheque Book, change the Mobile Banking PIN and/or update the contact information held by the Bank in respect of a Customer and/or Nominated User;
(vii) the Bank transmits to the Phone an appropriate SMS containing information regarding the Bank Account, including but not limited to information regarding the status of any Banking facilities extended by the Bank to a Customer and/or Nominated User, the Bank’s foreign exchange rates, the Bank’s interest rates, etc;
(viii) the Bank transmits to the Phone an appropriate SMS containing information on transactions effected using the Card and/or transactions effected through the Bank Account; and
(ix) any other service that the Bank offers in future as part of I&M Mobile Banking Service;
(p) “Ï&M Agency Banking Service” incorporating all the services offered through a phone or Point of Sale Machine at an authorised Agent of the Bank including the services described in clause 1.1 (o) and any other service that the bank offers through its Agents;
(q) “I&M Pesa Link Service” incorporating payments from the Bank Account to other Bank accounts, phones or cards through the Rwanda Inter-Bank Transaction Switch ( KITS) offered through I&M Mobile Banking Service, I&M Agency Banking Service, the Bank branches, Bank Automated Teller Machines or any other channel;
(r) Mobile Banking PIN means the secret Personal Identification Number that is known only to the Customer and/or the Customer’s Nominated User and which number is the unique link to Access the System and/or make transactions thereon. This could be assigned for use on a recurrent basis or for one time use (OTP);
(s) “Next Generation Banking Facility” means I&M Infomail Service, I&M Mobile Banking Service, I&M Agency Banking Service, I&M Pesa Link Service and such other services as may be notified by the Bank to the Customer from time to time;
(t) “Nominated User/s” means any representative(s) of the Customer authorized by the Customer to operate Customer’s Bank Account and/or Deposit Account and access the System and Service on behalf of the Customer including to hold and change the I&M Mobile Banking PIN;
(u) “Phone” means a Customer’s and/or the Nominated User’s cellular/mobile telephone line which has been duly registered with the Bank as part of the Customer’s and/or Nominated User’s Access profile;
(v) “Phone Account” means Customers and/or Nominated User’s cellular/mobile banking account held through their phone;
(w) “Request” means a request or instruction received by the Bank from (or purportedly from) the Customer and/or the Nominated User through the System in respect of the Service and upon which the Bank is, by virtue of subparagraph 4.1, authorized to act;
(x) “Service” means such of the Bank’s Next Generation Banking Facilities as the Customer may from time to time apply for and the Bank approve and/or agree to provide;
(y) “Subscription” means application for the Service by a Customer;
(z) “Subsidiary” means such subsidiary or subsidiaries of the Bank which may from time to time be specified by the Bank to the Customer; and
(aa) “System” means the electronic multi-media banking and communications software and/or equipment enabling the Customer to communicate with the Bank for the purposes of the Service. This System may belong to the Bank or to its authorised third party service provider.
1.2 In these Terms and Conditions Governing the Use of I&M Next Generation Banking Facility:
(a) the expression the “Customer” and/or “person” and or “party” shall include any natural person, firm, partnership, incorporate or corporate body, state, state agency, governmental authority in whatever name of style and when there are two or more included in the expression the “Customer” and/or “person” and/or “party” such expression shall include either one severally and/or both or all of them jointly;
(b) references to words denoting the singular number shall include the plural and vice versa and reference to the masculine gender includes a reference to the feminine gender and neuter and vice versa; and
(c) any obligation imposed by or resulting from these Terms and Conditions Governing the Use of I&M Next Generation Banking Facility which is undertaken by more than one person shall be a joint and several obligation of each of the persons who has undertaken it whether as principal, guarantor, indemnifier, surety or otherwise.