Telephone Service 7.1 Telephone service means, without visiting the Bank, remotely, commensurate with the procedures and regulations established by the Bank, a client’s using telephone communication, to employ various bank services via the telephone number registered at the Bank. In particular:
7.1.1 Obtaining bank information;
7.1.2 Obtaining information on the client’s account(s) requisites, balances and transactions;
7.1.3 Subscribing for various bank services determined by the Bank and amending the registered data;
7.1.4 Within the limits, making transfers and conversions between own accounts;
7.1.5 Changing the email address and factual/legal address;
7.1.6 Opening current and/or deposit account(s);
7.1.7 Expressing a will to receive, change and/or cancel various bank products (among them credit/deposit) (submission of an application to the Bank);
7.1.8 Adding amounts to deposits, consistent with the terms provided in the respective agreement;
7.1.9 Submission of an application (expression of request) to produce a new card/renew, block/unblock the card;
7.1.10 Renewing, blocking the internet bank password;
7.1.11 Transferring money on a credit/installment card of the client and/or depending on the credit limit established for the card payment of the due amount, including pre-payment;
7.1.12 Submission of an application to receive back the amount charged by an ATM.
7.1.13 Annulment of Pin Code tries and renewal of Pin Code.
7.2 The telephone service is activated upon a client’s opening an account. The telephone service is applicable to all bank accounts of the client. If the client does not wish to receive a telephone service with regard to any of their accounts, the client must notify the Bank in writing or in another form envisaged by this agreement (including by notifying via contact center [telephone service center of the Bank], or by means of the internet bank).
7.3 The client is entitled to make a call from any telephone number for the purpose of blocking the bank card and/or to obtain any general bank information. Blocking the bank card shall be effected only after the client is identified.
7.4 By this agreement, the client expresses consent that any telephone conversation with them (as well as any request/application to obtain bank information, registration for using the service center, amending registered data, receiving bank [including credit/deposit] products and/or carrying out a transaction) shall be recorded on the electronic database of the Bank and in case of dispute the record shall be used as evidence.
7.5 The Bank, for the purpose of identification of the client, shall use telephone numbers of the client registered at the Bank and the questions pre-determined by the Bank. The client is identified before providing a telephone service or any other bank service/upon registering for various bank products (electronic services). Without passing the process of identification, the client shall not receive the telephone service described in clause 7.1 of this agreement, other than bank information of a general nature. Upon each telephone communication with the Bank (each time of receiving a telephone service), the client should undergo the identification procedure (give correct answers to the questions [pre-determined by the Bank] raised by the contact center operator).
7.6 The Bank is authorized to refuse to provide telephone service to a person who fails pass the identification procedure.
7.7 In the event the bank representative suspects that a third person other than the client is making attempts to obtain information or carry out a transaction, the Bank is authorized to refuse to perform the telephone service(s).
7.8 For the purpose of identifying a client, the Bank is entitled, at its own discretion, to establish additional mechanisms (requirements) in case of the disregard of which the client will be unable to receive the service described in clause 7.1 of the present agreement, other than bank information of a general nature.
7.9 The client orders the Bank and gives it the right, while establishing telephone communication with the Bank and after passing relevant identification/verification procedures, to:
7.9.1 Provide to them information on their accounts;
7.9.2 At the request of the client, to perform transactions allowed by the Bank within the limits of the telephone service.
7.10 The client is authorized, at any time, to request the Bank to stop telephone calls service provision and/or offering product(s)and registering. To register such a request, the client should perform one of the listed actions below:
7.10.1 Visit a bank branch/service center;
7.10.2 Register the request at the contact center;
7.10.3 Send a notification to the Bank via the internet bank.
7.11 The Bank is obliged, no later than 10 (ten) working days after receiving the request from the client indicated in clause 7.10 of the agreement, to stop making telephone calls to the client for the purpose of offering services and/or products and registration.
