The Terms and Conditions for Voice ID Service of Standard Chartered Bank
I. Scope of Application
The terms and conditions (“the Terms”) apply and govern your use of the voice ID service provided by Standard Chartered Bank (China) Limited (“our bank” or “SCB”). The Terms are legally binding on SCB and you. SCB and you shall abide by the Terms together.
You should read the Terms carefully and fully understand the relevant provisions before you register for the voice ID service of SCB or before you use the voice ID service for the first time, and you have the right to request SCB to provide full explanation and clarification of the Terms. By providing your explicit consent to us, including actively clicking the option that represents confirmation or consent (e.g., keypad button in the self-service flow), or by registering or using the voice ID service of SCB, you confirm that you have carefully read, understood and accepted the Terms and agreed to be bound by the Terms.
II. Availability and Content of Services
1. 渣打银行声纹识别服务是指以您在拨打电话银行时使用注册的声纹作为您电话银行登录密码之一, 用作确认您的身份以使用本行电话银行的服务。
The voice ID service of SCB is a service that uses your registered voiceprint as one of login passwords for phone banking when you call SCB to confirm your identity for using our phone banking services.
You acknowledge and agree the following if you use SCB’s voice ID service:
(1) You must be a valid user of the phone banking services of SCB.
(2) You will need to sign up for the voice ID service on phone banking and provide three samples of your voice.
(3) You will be asked to use your account number/credit card number/debit card number/ID card number and the short message verification code received by the mobile phone number you have reserved with SCB to register your voice ID with SCB and choose to use your voice to verify the SCB’s telephone banking services. Upon successful completion of the registration process, your voiceprint will become one of the login passwords with our phone banking.
You may choose to log in to the SCB’s phone banking in other ways: through telephone banking password, one-time dynamic verification code or credit card query password.
III. Identity Verification
If you have logged onto our phone banking service or instruct us to make account operation via voice ID, you will be deemed to have been verified to access our phone banking service and/or instruct us to make account operation. Your instruction to us via voice ID is irrevocable and will become the instruction for us to execute your request to access our phone banking. You shall be solely responsible for the results of our execution of the instructions you have made via voice ID.
You are aware that the voice ID access is achieved through the voiceprint recognition and verification module, and you have agreed to the relevant verification program.
3. 您知悉并同意，您通过声纹识别登录本行电话银行后向本行提出授权账户操作指令时，本行有权根据操作指令的风险程度要求您提供其他的身份验证方式（包括但不限于电话银行密码、一次性动态验证码、信用卡查询密码、信用卡卡片验证码等）。You acknowledge and agree that when you log in to our phone banking via voice ID and instruct us to make account operations, we reserve the right to require you to provide alternative identification methods (including but not limited to phone banking password, one-time dynamic verification code, credit card query password, credit card verification code, etc.) depending on the risk level of the operation instructions.
4. 您登录渣打银行电话银行后, 可在任何时候联系人工客服停用渣打银行声纹识别服务。
You can deactivate our voice ID service at any time by contacting our human customer service after logging onto SCB’s phone banking.
You acknowledge and agree that SCB will obtain your voiceprint information for providing voice ID service, and you agree that SCB will obtain and use the relevant information for providing the voice ID service.
IV. Safety Assurance
You should use the voice ID system to register/log onto our phone banking in a quiet and private place, and you agree to bear the related risks and losses caused thereby.
Once you know or suspect that the voice ID information has been leaked, you should notify SCB by calling the telephone number designated by SCB to request suspension or termination of all/part of the voice ID service (if it can be suspended or terminated) and to change your voiceprint information, log onto the voice ID system again or deactivate your voice ID service as requested by SCB.
V. Risk Warning and Liabilities
You understand that the voice recognition and verification module of our phone banking is provided by a third-party service provider and that the collection, recognition and verification of your voiceprint are completed by the third-party service provider’s system. You acknowledge that your voiceprint information is kept by our phone banking and the third-party service provider.
SCB makes no representations or warranties to the availability of the SCB’s voice ID service at any time, access to the phone banking via voice ID in any scenario.
Unless prohibited by the laws and regulations, SCB shall not be liable for any loss incurred by you as a result of any use or attempt to use SCB phone banking password to log onto the service; or your instructions; or any unauthorized account operation through the voice ID service.
The client agrees to be responsible for all the claims, legal procedures, legal liabilities, losses, and all expenses (including legal fees) incurred by SCB in the exercise or enforcement of our rights (including when recovering payments from clients) arising directly or indirectly from SCB’s actions in accordance with the clients’ instructions or notices and undertakes to indemnify SCB in full against such losses and expenses incurred by SCB upon the request of SCB.
If you have twins or siblings with similar voice characteristics, you are advised to use your phone banking password to access SCB’s phone banking service.
If you are a teenager, you are advised to use your phone banking password to access SCB’s phone banking as your voice characteristics may be changing rapidly.
VI. Personal Information Protection
Your account number, identification information, ID information, and voiceprint may constitute sensitive information, that is personal information, once leaked or illegally used, may easily lead to the infringement of the personal dignity of a natural person or may endanger the personal safety or property. Based on the specific purpose and necessity of providing you with the voice ID service, and under strict protection measures, we need to process such sensitive personal information of you.
Since the personal information we process includes sensitive personal information, we will obtain your separate consent when required by laws and regulations.
If you no longer need to use voice ID services, you can withdraw your consent at any time. However, please be aware that your decision to withdraw your consent will not affect our previous personal information processing activities based on your authorization. If you wish to withdraw your consent or exercise your other personal information subject rights (such as deleting your voiceprint information), you may need to prove your identity for security purposes. We may require you to verify your identity before processing your request. You can contact us through the contact information provided below this Terms and exercise your rights.
We have taken security protection measures in conformity with standard of the industry to prevent unauthorized access, disclosure, use, modification, damage or loss of your personal information. We will take all reasonable and feasible measures to protect your personal information.
We will take all reasonable and feasible measures to ensure that unrelated personal information is not collected. We will retain your personal information only within the period necessary for achieving the purposes as specified by this Term unless extension of retention period is required or otherwise permitted by laws or regulation.
For providing you with the Voice ID service, we may delegate your personal information to a third party for processing, such as a third-party service provider that helps us collect, identify, and verify your voiceprint.
Unless otherwise specified in this Terms, we will also collect and process your personal information in accordance with the “Letter on the Protection of Personal Financial Information” (the “Information Protection Letter”) on the Standard Chartered Bank website. Before you register for the voice ID service of Standard Chartered Bank, you need to read carefully and confirm that you have fully understood and accepted the content of the Information Protection Letter, and authorize SCB to obtain, use and disclose your personal financial information or other financial information related to you, which can be used and further disclosed within the permitted scope. You hereby understand and specifically confirm that your account number, identification information, ID information and voiceprint biometric data may constitute sensitive information (that is personal information, once leaked or illegally used, may easily lead to the infringement of the personal dignity of a natural person or may endanger the personal safety or property). You agree to authorize SCB to have the right to collect and process the above-mentioned information based on the purpose of the service. This authorization shall remain in force for the duration of providing Voice ID service to you, unless you send a written document to SCB to revoke the authorization or withdraw your consent by any other means.
VII. Other Terms
Unless otherwise provided herein, SCB may suspend, or amend the Terms and/or add new terms at any time and from time to time. The termination of the Terms, or any amendments and/or additions, will become effective on the specified date after SCB has given reasonable notice/announcement to the client. If clients do not accept the relevant amendments and/or additions, they may notify SCB in writing to terminate all/part of the phone banking services according to the relevant procedures of SCB (if any). Such amendments and/or additions shall be binding on clients if they do not expressly request SCB to terminate all/part of the phone banking service and to continue to retain or use the service on or after the effective date of such amendments and/or additions.
2. 渣打银行声纹识别服务是本行的电子银行服务的一部分，本条款为本行《个人电子银行服务条款》的补充条款。如本条款与《个人电子银行服务条款》有任何冲突，有关本行个人声纹识别的内容以本条款为准。《个人电子银行服务条款》请参照 [https://www.sc.com/cn/bank-with-us/e-banking-terms-conditions/]。
Voice ID is part of the e-banking services of SCB. The Terms are supplementary to the Terms and Conditions for Personal e-Banking Services of SCB. In the event of any conflict between the Terms and the Terms and Conditions for Personal e-Banking Services, the Terms shall prevail for matters related to the voice ID service. The Terms and Conditions for Personal e-Banking Services can be found at [https://www.sc.com/cn/bank-with-us/e-banking-terms-conditions/].
If there is an English version of the Terms, the English version is for reference only. In the event of any inconsistency between the English version and the Chinese version, the Chinese version shall prevail.
If you have any questions, comments, suggestions, or complaints, please contact us through the following contact details, and we will respond promptly to all of them:
Customer Service Hotline: 956083.
5. 本条款于2023年4月修订并在本行官方网站 sc.com/cn上公布，本修订版自2023年4月25日起生效并施行。自本条款施行之日起，除非本行另行通知，本条款取代之前的与本服务有关的条款 (如有)。
The Terms are amended in April of 2023 and published on our official website sc.com/cn. The amendment shall become effective on 25 April 2023. From the date when the Terms become effective, unless otherwise notified by us, the Terms shall supersede the previous terms related to this service (if any).