Last updated: June 24, 2026
Welcome to Pobak Online Bank. By creating an account, accessing, or using our website, mobile application, products, and banking services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must discontinue use of our services immediately.
To use Pobak Online Bank services, you must provide accurate, complete, and up-to-date information during registration and throughout your relationship with us. You are responsible for maintaining the confidentiality of your account credentials, passwords, security codes, and authentication methods. Any activity conducted through your account will be considered authorized by you unless otherwise required by law.
Pobak Online Bank reserves the right to verify your identity and conduct Know Your Customer (KYC), Anti-Money Laundering (AML), fraud prevention, and security checks at any time. Failure to provide requested information or documentation may result in delays, restrictions, suspension, or termination of your account.
You agree to use our services only for lawful purposes and in compliance with all applicable laws, regulations, and banking requirements. You must not use your account for fraudulent activities, money laundering, terrorist financing, unauthorized transactions, illegal gambling, cybercrime, identity theft, or any activity that may harm Pobak Online Bank, its customers, or third parties.
You are responsible for reviewing all transaction details before authorizing payments, transfers, withdrawals, deposits, or other banking activities. Once a transaction has been authorized and processed, it may not be reversible except where required by applicable law or our internal policies.
Pobak Online Bank may impose transaction limits, withdrawal limits, account balance restrictions, verification requirements, maintenance periods, service fees, or other operational controls. Such limits and requirements may be modified at our discretion or as required by regulatory obligations.
Fees, charges, interest rates, exchange rates, and service costs applicable to your account or transactions may be disclosed through our website, mobile application, product documentation, or account agreements. You agree to pay all applicable fees associated with your use of our services.
We strive to provide uninterrupted access to our services; however, we do not guarantee continuous availability. Services may be temporarily unavailable due to maintenance, upgrades, technical failures, network issues, security concerns, regulatory requirements, force majeure events, or circumstances beyond our reasonable control.
Pobak Online Bank reserves the right to decline, delay, freeze, monitor, investigate, reverse where legally permitted, or refuse any transaction that appears suspicious, unauthorized, fraudulent, unlawful, or inconsistent with regulatory obligations or our risk management policies.
You must immediately notify Pobak Online Bank if you suspect unauthorized access, fraud, security breaches, lost credentials, compromised devices, or suspicious account activity. Delays in reporting may affect your rights and the extent of available remedies.
All intellectual property rights relating to Pobak Online Bank, including trademarks, logos, software, content, designs, technology, and proprietary systems, remain the exclusive property of Pobak Online Bank or its licensors. You may not copy, modify, distribute, reverse engineer, or exploit any part of our services without prior written permission.
To the maximum extent permitted by law, Pobak Online Bank shall not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of our services, including loss of profits, business interruption, data loss, unauthorized access, or transaction delays, except where liability cannot be excluded by applicable law.
You agree to indemnify and hold harmless Pobak Online Bank, its affiliates, directors, employees, agents, partners, and service providers from any claims, losses, liabilities, damages, costs, or expenses arising from your violation of these Terms and Conditions, misuse of our services, or violation of applicable laws.
Pobak Online Bank may suspend, restrict, close, or terminate your account at any time if required by law, regulation, court order, security concerns, risk management policies, suspected fraud, breach of these Terms and Conditions, or other legitimate business reasons.
Any information, statements, balances, notifications, alerts, communications, or records provided through our website, mobile application, email, SMS, or other approved channels may be considered official communications between you and Pobak Online Bank.
These Terms and Conditions shall be governed by and interpreted in accordance with the laws and regulations applicable to the jurisdiction in which Pobak Online Bank operates. Any disputes arising from or relating to these terms shall be subject to the exclusive jurisdiction of the appropriate courts or dispute resolution bodies unless otherwise required by law.
Pobak Online Bank reserves the right to modify, update, or replace these Terms and Conditions at any time. Updated versions will be published through our website, mobile application, or other official communication channels. Continued use of our services after changes become effective constitutes acceptance of the revised Terms and Conditions.
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the extent permitted by law.
By registering for an account, accessing, or using Pobak Online Bank services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions and all related policies, disclosures, and regulatory requirements applicable to your account and banking relationship.