Terms and Conditions for the use of the SCB Face Login Service

  1. These terms and conditions ("Terms") apply to and regulate your use of the Standard Chartered face login service provided by Standard Chartered Bank (Hong Kong) Limited (“the Bank" or “we” or “Standard Chartered”). By undergoing the registration process to use the Standard Chartered face login service, or using the Standard Chartered face login service, you accept and agree to these Terms. If you do not accept these Terms, please stop accessing or using the Standard Chartered face login service.
  2. The Standard Chartered face login service is a service where you may use your face registered on a permitted mobile device in lieu of your Standard Chartered online/mobile banking user ID and password as a security code to confirm your identity to access the Bank’s mobile banking services.
  3. The Standard Chartered face login service is provided as part of the Bank’s electronic banking services, and accordingly:

    1. these Terms are in addition to and shall be read in conjunction with the Bank’s Client Terms and any other documents forming part of our banking agreement (and any reference to the terms and conditions of the Client Terms shall include reference to these Terms); the Client Terms may be accessed at [https://www.sc.com/hk/help-centre/customer-terms-and-conditions.html];
    2. the meaning of key words printed like this and other words used in our banking agreement is explained in our Client Terms. Some additional key words which apply to the services referred to in these Terms are explained at the end of these Terms; and
    3. in the event of any conflict or inconsistency, these Terms shall prevail over the Client Terms and to the extent of such conflict or inconsistency.

  4. You acknowledge and agree that in order to use the Standard Chartered face login service:

    1. You must be a valid user of our mobile banking services;
    2. You must install our mobile app using a permitted mobile device;
    3. You will need to activate the face recognition function on your permitted mobile device and register at least one of your face to control access to the permitted mobile device;
    4. You will be required to undergo a registration process using your Standard Chartered online/mobile banking user ID and password to choose to use the face you store on your permitted mobile device for accessing our mobile banking services; upon the successful registration process, the face stored on your permitted mobile device will be a security code;
    5. You must ensure that only your face are stored on your permitted mobile device to access the device and you understand that upon the successful registration of your permitted mobile device, any face that is stored on your permitted mobile device can be used to access mobile banking including access to, and operations of, your accounts; and
    6. You should ensure the security of the security codes as well as the password or code that you use to register your face on the permitted mobile device.

      1. You should not use face authentication module if you have an identical twin sibling, in which case you are recommended instead to use the Standard Chartered online/mobile banking user ID and password to log on to the mobile banking service;
      2. You should not use face authentication module if you are an adolescence while your facial features may be undergoing a rapid stage of development, in which case you are recommended to instead use the Standard Chartered online/mobile banking user ID and password to log on to the mobile banking service;
      3. You should not take any action to disable any function provided by, and/or agreeing to any settings of, your mobile device that would otherwise compromise the security of the use of your logon credentials for authentication purposes (e.g. disabling “attention-aware” for face recognition); and
      4. You are encouraged to read the FAQ [https://www.sc.com/hk/help-centre/faqs-ways-to-bank.html] for use of the SCB Face Login Service. By enabling and continue to enable the SCB Face Login Service, you are deemed to have read the FAQ.
  5. You may still choose to access the mobile app using your Standard Chartered online/mobile banking user ID and password.
  6. Each time the mobile app detects the use of a face registered on a permitted mobile device on which you have registered for the Standard Chartered face login service to access our mobile banking services or authorise transactions, you are deemed to have accessed the mobile banking services and/or instructed us to perform such transactions as the case may be.
  7. You acknowledge that the authentication is performed by the mobile app by interfacing with the face authentication module on the permitted mobile device and that you agree to the authentication process.
  8. You can deactivate the Standard Chartered face login service at any time using the left navigation menu of the mobile app once you are signed in.
  9. If you inform us that the security of your face or other security code has been compromised, we may require you, and you agree upon our request, to change the security code, re-register your face or cease the use of the Standard Chartered face login service.
  10. You acknowledge and agree that, for the purposes of the Standard Chartered face login service, the mobile app will be accessing the face registered in your permitted mobile device, and you hereby consent to the Bank accessing and using such information for the provision of the Standard Chartered face login service.
  11. You understand the need and you agree to protect your permitted mobile device and shall be responsible for all uses of your permitted mobile device (whether authorised by you or otherwise) to access the Standard Chartered face login service.
  12. In addition to and without subtracting the disclaimers and exclusions of liability in the Client Terms:
    1. You understand that the face authentication module of the permitted mobile device is not provided by the Bank, and we make no representation or warranty as to the security of the face authentication function of any permitted mobile device and whether it works in the way that the manufacturer of the device represents.

    2. We do not represent or warrant that the Standard Chartered face login service will be accessible at all times, or function with any electronic equipment, software, infrastructure or other electronic banking services that we may offer from time to time.
    3. Unless a law prohibits us from excluding or limiting our liability, we are not liable for any loss you incur in connection with the use or attempted use of the Standard Chartered face login service, or your instructions, or any unauthorised transactions through or in connection with the Standard Chartered face login service.
    4. You shall indemnify us and keep us indemnified against any consequences, claims, proceedings, loses, damages or expenses (including all legal costs on an indemnity basis) which are of reasonable amount whatsoever and howsoever caused (save and except any direct loss or damages caused by negligence or misconduct on the part of us) that may arise to be reasonably incurred by us in providing Standard Chartered face login service to you arising in connection with any improper use of the Standard Chartered face login service.
    5. The Bank reserves the right to amend, add or delete at any time these terms and conditions by giving reasonable prior notice in writing to you and such notice may be made in such manner and by such means of communication as the Bank shall deem fit, including, without limitation, use of direct mailing material or advertisement, website display or electronic communications such as electronic mail. You acknowledge and agree that you shall observe and comply with any such amendment, addition and/or deletion when using Standard Chartered face login service.
    6. These terms and conditions are available in both English and Chinese versions. The English version shall prevail in the event of any discrepancy between the two versions.
  13. Meaning of words
    permitted mobile device means Apple iPhone X or higher versions and such other electronic equipment that we may enable for use with the Standard Chartered face login service from time to time and includes the operating system or software that the device operates on. Please contact us for the current list of such electronic equipment.