1. Customer Obligations
The Customer assumes primary responsibility for the secure and proper utilization of the Bank’s services, particularly in the context of online and electronic banking platforms. This responsibility is multifaceted, encompassing both the active management of security credentials and the timely communication of critical changes to the Bank.

2. Responsibilities when using online banking
When accessing and utilizing the online banking Service, the Customer is contractually obligated to act in good faith and to exercise reasonable care and diligence [1]. This fundamental requirement ensures that the Customer engages with the service responsibly and in a manner that does not compromise the security or integrity of the platform or their accounts. Furthermore, the Customer must immediately inform the Bank in writing about any change in their legal status, name, ownership, or any modification to the registered user details for the service. Failure to comply with this notification requirement may lead to the suspension of services.

3. Security of Passwords, OTPs, and Credentials
The security of all access credentials rests squarely with the Customer. The Customer is required to keep all login credentials, including the Username, Password, and Personal Identification Number (PIN), strictly secret. Under no circumstances is the Customer permitted to disclose these credentials, either directly or indirectly, to any other person [1]. This stringent security requirement is a cornerstone of the agreement, designed to prevent unauthorized access to the Customer’s accounts.

4. The Customer bears full responsibility for any unauthorized or unintended disclosure of their login credentials and accepts the risks associated with the use of the service by unauthorized persons. Critically, the Customer must indemnify the Bank against any loss or damage that the Bank may incur as a result of such unauthorized disclosure. In the event that the Customer suspects their credentials have been compromised, lost, or are in the possession of an unauthorized party, they are obligated to immediately inform the Bank at the earliest possible time.

5. Bank’s Liability Limitations
The Bank’s liability is subject to specific and clearly defined limitations, protecting the institution from certain types of loss and circumstances beyond its control.

6. Bank Liability:
The Bank liability is strictly limited to direct negligence or dishonest conduct of its staff in case of fraud or breach of the bank nondisclosure rules.Furthermore, the Bank is not held liable for any loss or damage that may arise due to the Customer’s failure to update user details as required by the agreement. In broader terms, neither the Bank nor the Customer is held liable for any delay or failure to perform obligations under the agreement if such failure is due to circumstances beyond their reasonable control (Force Majeure). These circumstances include, but are not limited to, the interruption or failure of communications or data systems, war, civil unrest, strikes, or governmental actions.

7. Limits on Financial Liability
The financial liability of the Bank is confined to direct losses, as detailed above. The exclusion of indirect, consequential, and special damages serves as a significant limitation on the Bank’s financial exposure under the agreement.

8. Transaction Rules
The agreement establishes clear rules regarding the processing of instructions, the Bank’s discretion in handling commands, and the Customer’s responsibility for transaction accuracy.

9. Processing Times
Upon receiving a Command (instruction) from the Customer, the Bank is obligated to execute it within a reasonable time. This standard of “reasonable time” is applied to ensure efficient service delivery while allowing the Bank necessary time for processing and verification.

10. Reversal and Refund Rules
While the extracted sections do not provide explicit, detailed rules on transaction reversal and refund procedures, the agreement does grant the Bank the absolute discretion to refuse or delay any Command. This right can be exercised, for example, if the Command would cause the transaction to exceed a specific limit set by the Bank.

11. Handling Incorrect Transfers
The Customer is solely responsible for ensuring the accuracy and completeness of all details provided in a Command. The Bank is not responsible for any loss or damage resulting from an inaccurate or incomplete Command issued by the Customer. This places the onus on the Customer to meticulously verify all transaction details before submission.

12. Dispute Resolution
The agreement clearly stipulates the legal framework and jurisdiction for resolving any disputes that may arise between the Customer and the Bank.

13. Governing Law
The Terms and Conditions of the Banking Services Agreement are to be construed and implemented pursuant to the Laws of the Republic of Sudan. This establishes the legal system under which the agreement is interpreted and enforced.

14. Dispute Handling
or conflict arising from the agreement, the competent courts of the Republic of Sudan shall have the exclusive jurisdiction to settle the dispute. This clause defines the judicial forum for all legal proceedings related to the agreement.

15. Account Terms
This section addresses the fundamental financial and administrative aspects of the Customer’s account relationship with the Bank.

16. Eligibility
The term “Customer” is defined broadly as the natural or corporate person who maintains an account(s) of any type with the Bank. The agreement itself is subject to the regulations and guidelines of the Central Bank of Sudan (CBOS) and other applicable federal and local laws of the Sudan.

a. Interest Details
The agreement is structured around Islamic accounts and is governed by Shari’a Standards (specifically AAOIFI), indicating a non-interest-based financial framework. Instead of interest, the agreement refers to “realized profit” on deposits. This profit is calculated and becomes due on the last day of each calendar quarter and is subsequently credited to the Customer’s account within one month from the end of that quarter.

b. Fees and Charges
The Customer explicitly agrees to pay the Bank’s fees and charges for the services provided. The Bank reserves the right to impose or adjust these fees and charges at any time, provided that the Customer is given reasonable notice of such changes. To facilitate the collection of these charges, the Customer authorizes the Bank to debit or set off any applicable fees from any of the Customer’s accounts.

17. Updates & Agreement
The final section addresses the mechanism for amending the agreement and the nature of the Customer’s acceptance.

18. Agreement Amendments
The Bank reserves the right to amend the terms and conditions or introduce new ones. For such changes, the Bank is required to provide the Customer with sixty (60) days advance notice. While the document does not explicitly state that “continuing to use the website or app” constitutes agreement, the provision of services is made subject to the Customer’s agreement to the terms and conditions, and the Bank’s right to amend them with notice implies that continued use after the notice period signifies acceptance of the updated terms.