1. These terms and conditions (“Terms”) apply to and regulate your use of the Standard Chartered Mobile Key service provided by Standard Chartered Bank (Nigeria) Limited (hereinafter referred to as the “Bank” or “we” or “Standard Chartered”). By undergoing the registration process to use the Standard Chartered Mobile Key service and/or using the Standard Chartered Mobile Key, you accept and agree to these Terms. If you do not accept these Terms, please stop accessing or using the Standard Chartered Mobile Key service.
2. The Standard Chartered Mobile Key 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 with the Customer Terms, our privacy notice published on our website and any other documents forming part of our banking agreement (and any reference to the terms and conditions of the Customer Terms shall include reference to these Terms);
   2. the Customer Terms may be accessed at https://av.sc.com/ng/content/docs/ng-client-terms.pdf;
   3. the meaning of key words printed like this is explained in our Customer Terms. Some additional key words which apply to the services referred to in these Terms are explained at the end of these Terms; and
   4. in the event of any conflict or inconsistency, these Terms shall prevail over the Customer Terms and to the extent of such conflict or inconsistency.
3. You acknowledge and agree that in order to use the Standard Chartered Mobile Key service:
   1. you will be required to undergo a registration process using 2FA via SMS and set up a PIN for your Standard Chartered Mobile Key as a security code to confirm your identity to access the Bank’s electronic banking services; and
   2. after you complete the registration process, in order for you to continue to use the Standard Chartered Mobile Key service (which utilises Push Notification), you must ensure that Push Notification continues to be enabled on your mobile device for the mobile app.
4. If you inform us that the security of your mobile app or security code has been compromised, or that the electronic equipment which you use to access any electronic banking services is lost or stolen, we may require you to change the security code, re-register for the Standard Chartered Mobile Key service or cease the use of the Standard Chartered Mobile Key service.
5. You are responsible for:
   1. the security code used to access the Standard Chartered Mobile Key service; as well as
   2. the security of your mobile device.
6. In addition to and without prejudice to the disclaimers and exclusions of liability in the Customer Terms (as found in the link above):
   1. we do not represent or warrant that the Standard Chartered Mobile Key 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;
   2. 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 Mobile Key service, or your instructions, or any unauthorised transactions through or in connection with the Standard Chartered Mobile Key service; and
   3. you shall indemnify us from all loss and damage which we may incur in connection with any improper use of the Standard Chartered Mobile Key service.

Meaning of words

Push Notification is a service provided by Apple and Google for their respective mobile operating systems i.e. iOS and Android respectively through which an iOS or Android mobile app can send a user (who has installed the mobile app) a notification.