Thank you for downloading the UnionDigital Mobile Application (the “UnionDigital App”)
and opening an account with Union Digital Bank Inc. (“Bank” or “UnionDigital”).
You are one step closer to an exciting digital banking experience through your UnionDigital App.
Your use of the UnionDigital App and Services (hereinafter “UD Services”) shall be governed
by these UnionDigital Terms and Conditions (“UnionDigital T&Cs”). When using the UnionDigital
Bank Mobile application, Account Services, and any other products UnionDigital may support
from time to time (collectively the “Services”), you are deemed to have accepted and be bound
by these Terms and Conditions. You must read carefully, agree and accept these T&Cs, along with
any other additional terms or amendments, the Privacy Statement and such operational rule or
other specific terms that govern any Account, Card or other Service.
Please note that when you use Services, you have the responsibility to keep your
information and transactions private and secure.
You need to observe the applicable Security Rules found in these Terms and Conditions.
There are words and terminologies here that have special meanings.
To better understand them, please refer to the Definition of Terms.
You may choose to cancel your UnionDigital App access at any time without incurring any charges.
Access to or downloading the UnionDigital App is not equivalent to opening a UnionDigital Account.
If you have a UnionDigital Bank Account, deleting the UnionDigital App or terminating your
access to it does not mean that your UnionDigital Account will automatically be closed.
DEFINITION OF TERMS
This UnionDigital App T&Cs govern your use of the UD Services provided
to you by UnionDigital Bank. Our use of the terms below has the following meaning:
"Account" refers to the debit account (“Pitaka”),
or any other account opened with UnionDigital Bank in Your name.
A "Mobile Phone" refers to a cellular network phone
unit with a subscriber identity module (SIM) card and corresponding
mobile number assigned to the SIM card.
"One-Time Password" or "OTP" refers
to the six-digit code sent to the registered mobile number or generated
either through the UnionDigital App for purposes of authenticating the
person logging in to the UnionDigital App or performing a
financial transaction using the UnionDigital App.
"UnionDigital App" refers to UnionDigital's mobile
application which you can use for UnionDigital App Services.
“UnionDigital App Services” or “Services”
refer to the various financial transactions that you may use the UnionDigital
App for, such as but not limited to, balance inquiry,
fund transfers, bills payment, or load purchases.
The Bank reserves the right to add to or remove the kinds of financial
transactions you may perform using the UnionDigital App.
"We", "Us", "Our", "Bank" refers to UnionDigital Bank Inc.
"You" and "Your" refers to the owner of the Account
and/or user of the UnionDigital App.
1. ACCESS TO ACCOUNT
You may register for, access, and use your Accounts by downloading and
installing your UnionDigital App from the Google Playstore or
Apple App Store for free.
Upon registration, you must authenticate your mobile number, and
designate a password. By registering with the UnionDigital App,
you warrant that all the information you provide are true, complete,
up to date, and are verified by the identification document/s you submit.
You agree to supply additional information as may be required by
the Bank. You acknowledge that you are the owner of the nominated
mobile number and e-mail address you provide to the Bank and maintained
in the Bank's records, and that said mobile number and e-mail address
are active, valid. You agree that the Bank can use either mode of communication
where all enrollment, password-related information, and other online
correspondences can be sent by the Bank. The Bank, at its sole discretion,
reserves the right to validate the information you provide the Bank, and to
require additional information from time to time, in compliance with applicable
laws, rules, and regulations of the Philippines. Once your information has been
validated, you will receive confirmation from the Bank through short message sending
(SMS) and/or electronic mail (e-mail), as may be selected by the Bank. The Bank
reserves the right to terminate your access to the UnionDigital Services if We determine
that any information you provided Us are untrue, inaccurate, or incomplete.
UnionDigital Services will only be available after validation of the
information you provided and authentication of your identity. Once
validated and authenticated, You may open an Account using the
UnionDigital App. Closure of your UnionDigital Account is governed by
the UnionDigital Account T&Cs herein.
All instructions that We receive from you shall be considered fully authorized,
valid and binding on you. The Bank shall not be liable for implementing the Services
you instructed, including but not limited to instructions provided through the
UnionDigital App. You likewise agree that the Bank shall have no obligation to
verify the authenticity of any transaction received from you or purporting to
have been made by you using the UnionDigital App.
You acknowledge that all instructions once provided to the Us are irrevocable
and binding on You, and You shall not dispute any instruction so provided.
You hereby agree to hold UnionDigital Bank, its directors, stockholders,
officers, employees, and representatives free and harmless and indemnify the
Bank for any expense, loss, or damage that you incur due to the Bank's reliance
on the information and/or instructions you provided.
- You guarantee and shall ensure that:
The Services and Your Account are accessed and used only by You
and not by any other person
The mobile phone number used in opening and operating the UD
Services and App belongs to You and you have access to it in
an ongoing basis
All instructions provided to the Bank are complete and accurate
Your Account has sufficient funds to pay all applicable fees and
to carry out any instructions
You comply with all applicable laws, rules, and regulations of the
Philippines and all applicable UnionDigital terms and conditions
You shall be responsible for the security and confidentiality of
your Account information, including but not limited to PIN, OTP,
username, password, and/or other identifiers, and you shall refrain
from disclosing them to any third party.
The UnionDigital App may be utilized at any time except for when it is
unavailable due to instances such as planned and/or unplanned system
maintenance, telecommunication, electrical, network disruptions, and
other analogous reasons. We will exert best efforts to inform you of
any Services disruption. You hereby agree to hold UnionDigital Bank,
its directors, stockholders, officers, employees, and representatives
free and harmless and indemnify UnionDigital Bank for any expense, loss,
or damage that you incur due to any Service disruption.
The Bank reserves the right to amend, modify, suspend, or terminate UD
Services immediately upon notice, and in accordance with applicable laws,
rules, and regulations of the Philippines. However, the Bank reserves the
right to reject your application, suspend, freeze, or close your Account
should We find that you have provided false, inaccurate, incomplete
information, or in violation of any applicable law, regulations or
2. ONLINE BANKING PASSWORD SECURITY
You shall keep your user ID, password, Account numbers and other Account
information confidential and secure at all times and you are fully responsible
for making sure that you take all reasonable steps to prevent disclosure.
Under no circumstances should you keep a written or electronic record of
your user ID and password, nor disclose these to any other person.
You agree to assume full responsibility and liability for all transactions
made in your Accounts through the use of the UnionDigital App. It is understood
that the password is known only to you and as such, any transaction effected
using your password and/or OTP shall be conclusively presumed to be done by you
or authorized by you unless the Bank receives notification in accordance with
You agree that the Bank, at its sole discretion, is entitled to act on the
instructions received from you through the UnionDigital App after the correct
entry of your user ID, password, OTP, and/or your other biometric authentication
methods such as but not limited to fingerprint scanning and facial recognition.
You further agree that the Bank shall not be liable and you agree to indemnify
the Bank, its stockholders, directors, officers, employees, and representatives
for any losses, damages or costs the Bank incurs for acting in accordance with or
based on requests/instructions received through the UnionDigital App, which the
Bank believes to have emanated from you.
As a safety measure, you further agree and undertake to change your password
from time to time as you deem necessary. You likewise further agree and undertake
to change your password as and when required by the Bank. If you believe that your
Mobile Phone or password may have been lost/stolen or that someone has used it
without your permission, you shall notify the Bank immediately by submitting a
ticket through the UnionDigital App and you agree to give the Bank a reasonable
period to de-activate your compromised UnionDigital App User ID and password.
You agree to hold the Bank, its stockholders, directors, officers, employees, and
representatives free and harmless for any losses, damages, or costs which you may
incur resulting from the loss of your Mobile Phone or password, or the fraudulent
transactions which may occur if you fail to or fail to timely notify the Bank that
your mobile phone or password may have been lost/stolen or that someone has used
it without your permission.
You agree to be fully responsible for the Mobile Phone you use to access the UnionDigital
App including its maintenance, repair and installation of the necessary security patches
You are responsible for maintaining adequate security and control of any and all IDs,
passwords, personal identification numbers (PINs), or any other codes that you use to
access the Services. You are responsible for keeping your personal information,
including contact details such as phone number and email address, up to date, under
the UnionDigital App, as applicable.
When changing your UnionDigital App password, choose a password which must not
relate to any readily accessible data, such as your address, telephone number,
date of birth etc. and other easily guessable combination of numbers, or to
any personal information where your identity is apparent or can be reasonably
and directly ascertained. Do not let any unauthorized person have access to
your Mobile Phone or leave your Mobile Phone unattended while accessing the
You acknowledge that the OTP is an added security feature that requires you to
enter a unique 6-digit password for your online transactions and help the Bank
authenticate your identity. The UnionDigital App does not allow deactivation of
the OTP feature for your safety.
The UnionDigital App has set transaction limits for certain services, in
accordance with applicable AML regulations and the Bank’s policies. The Bank,
its stockholders, directors, officers, employees, or representatives shall not
be liable for losses, costs or damages for transactions that do not go through
in excess of the limits set by the Bank.
Open an Account.
You can open an Account using the UnionDigital App by filling in all the
information required by the Bank. After your information is verified by
our system and subject to all the assessment and approval processes of
the Bank for account opening, you will be notified either of your Account
being opened or if we are unable to open the account for you. To be clear,
account opening is subject to the Bank's sole discretion. Once you have
opened an Account, you can use the UnionDigital App to activate your Account
where you can save, add money, and send money. To be eligible to use Services,
you must be at least 18 years old, and a Filipino citizen.
Accounts shall be subject to applicable Philippine Deposit Insurance Corporation
(PDIC) laws, rules, and regulations. including the insured value as follows:
Deposits are insured by the PDIC up to a maximum amount of Five Hundred Thousand
Pesos (P500,000.00) per depositor; and
PDIC shall assume that the name(s) appearing on the deposit instrument is/are the
actual/beneficial owner(s) of the deposit, except as otherwise provided.
Interest bearing Accounts shall earn interest at a rate determined by UnionDigital
on a per annum basis and in accordance with applicable laws, rules, and regulations.
Any Interest for an Account, whenever applicable, will be computed and
credited to the respective account based on our policy, and subject
to applicable withholding taxes and fees as determined by UnionDigital.
Interest rates and interest calculation method may change when
conditions warrant from time to time and We will
notify you via appropriate methods.
No interest will be paid on UnionDigital
Account closed prior to the scheduled crediting of interest.
You may view the Account balances of your Account(s).
The Account dashboard screen contains separate sections for your Account(s) in the
UnionDigital App. If you wish to hide/unhide Account details and balances in the
UnionDigital App, you can click on the Hide/Unhide Account button
Send and Receive Money.
You may send and request money from your own Account/s to another UnionDigital
Accounts or third-party accounts with other local banks provided that: (1) there
are sufficient funds available in the source account; (2), the information provided
are complete, correct and valid; and (3) the total amount of the transaction(s)
do not exceed the allowable limits set by the Bank or you. You hereby agree that
all fund transfers initiated through the UnionDigital App shall be subject to such
transaction limits, cut-off periods, service fees, and other policies that may be
imposed by the Bank and by the relevant electronic funds transfer service provider
or network such as, but not limited to, InstaPay and PESONet. The Bank, its
stockholders, directors, officers, employees, and representatives shall not be
liable for losses, costs or damages for failed or incorrect fund transfers resulting
from errors or inaccurate information you provide us with. You guarantee and warrant
the validity and legality of the underlying transactions and payments you make every
time you use the Send and Add Money feature of the UnionDigital App and/or Services.
The transaction amount verified by Us is deemed to be the correct amount transacted
by you in your Account.
Provision of UnionDigital Services.
You agree that We may modify or discontinue any portion of the Services and/
or suspend or terminate your access to the UnionDigital App Services, at any
time, and from time to time, without notice to you in certain, limited circumstances
described herein. You agree that the Bank, its stockholders, directors, officers,
employees, and representatives shall not be liable to you or any third party for
any modification or termination of the Services, or suspension or termination of
your access to the Services, except to the extent otherwise expressly set forth
Service charges, fees and penalties include but are not limited to,
- Annual fee;
- Fees for Accounts falling below the required maintaining balance;
- Dormancy fee;
- Transaction fees;
Other fees and charges UnionDigital may impose or introduce from
time to time, depending on the policy it may adopt, and within the
limits allowed under applicable laws, rules, and regulations.
4. REACH UNIONDIGITAL SUPPORT
You may reach the Bank for inquiries or concerns about your Account,
the UnionDigital App and UnionDigital App Services, or to report
unauthorized transactions in the UnionDigital App by clicking “Help Center”
in the log in screen and by going to settings and clicking “Help Center”.
You may also email us at email@example.com. UnionDigital is an
entity regulated by the Bangko Sentral ng Pilipinas. You may contact
the BSP – Financial Consumer Protection Department (FCPD) at (02)
5. ACCURACY OF INFORMATION
The Bank will use reasonable efforts to ensure the accuracy of information
accessed through the UnionDigital App but does not warrant that the information
will be free from error. If you notice an error in the Account information
supplied to you through the UnionDigital App or by the use of any of the
UnionDigital Services, you shall advise the Bank as soon as possible.
The Bank will endeavor to correct the error promptly on a “best efforts basis”
and adjust any fees or charges arising out of the error.
use and process any information you give us and to know your rights as a data
subject. Your use of the UnionDigital App shall be deemed as your consent to
7. ADDITIONAL FEATURES AND SERVICES
The Bank may, from time to time, introduce new banking features, products,
and services. We will inform you of these new features, products, and services
through the UnionDigital App, UnionDigital website, or through your email
address/phone number that you have provided us with. These UnionDigital T&Cs
automatically apply to your use of these new features, products, and services
in addition to the specific terms and conditions that will be made available to
you concerning these features, products, and services.
The Bank does not guarantee the continuous availability of all banking products
or services mentioned in this Agreement. The Bank reserves the right to suspend
or terminate, in its sole discretion, any of the services and features in the
The Bank, its stockholders, directors, officers, employees, and representatives
shall not be liable for any loss or damage of whatever kind or nature in connection
with the UnionDigital App in the following instances:
Disruption, failure or delay relating to or in connection with the UnionDigital
App and/or UnionDigital App Services which are due to circumstances beyond the
control of the Bank, unforeseen events or fortuitous events such as but not limited
to pandemics, prolonged power outages, breakdown in computers, software, operating
systems and telecommunication facilities, typhoons, floods, public disturbances and
calamities and other similar or related cases;
Loss or damage arising out of any fraudulent access or utilization of the UnionDigital
App due to (1) theft; (2) unauthorized disclosure of Mobile Phone numbers, emails,
user ID or passwords; and (3) unauthorized usage of biometrics and other security measures
used by the UnionDigital App with or without your participation;
Your use or misuse of the UnionDigital App and/or any UnionDigital App Service;
Any inaccurate, incomplete or incorrect information you provided to the Bank or any
fraud or misrepresentation on your part;
Any indirect, incidental or consequential loss, loss of profit or damage suffered
by reason of the use or failure or inability to use the UnionDigital App and/or
UnionDigital App Services, or the loss of your Mobile Phone and other electronic devices;
Any and all liability, costs, damages, losses and causes of action arising from or in
any way connected with the disclosure of information concerning your Accounts and/or
transactions with the Bank to unauthorized persons for any reason whatsoever, including
but not limited to wiretapping of communication lines or erroneous connection by
telecommunication switches, or errors in transmitted information due to faulty lines,
and any and all forms of high technology surveillance or fraud.
Any and all liability, costs, damages, losses and causes of action you may suffer resulting
from errors, breakdown or failure of third-party systems which the Bank is connected to or
used by the Bank in providing the UnionDigital Services.
9. SERVICE CHARGES AND TAXES
You will need to be connected to the Internet when using the UnionDigital App.
Internet usage may entail charges from your network provider and these are charged
directly to your Mobile Phone prepaid load or postpaid account. It is your responsibility
to monitor your Mobile Phone charges and to ensure that you have enough mobile credits
to access the UnionDigital App and perform financial transactions using the UnionDigital App.
We will not be liable for any cost, damages or liabilities you or any third party may suffer
resulting from your inability to access the UnionDigital App or perform a UnionDigital App
Service because you have insufficient credits on your Mobile Phone.
You are also responsible for paying any and whatever taxes which may be due or imposed by
your use of the UnionDigital App or UnionDigital App Services. You authorize the Bank to
automatically withhold any and all such taxes due and required to be withheld by the Bank.
The Bank reserves the right to change the charges, fees, or other terms described in this
UnionDigital App Agreement. When changes are made and/or fees, charges or other material
terms are added the Bank will, as far as practicable, inform you of such changes either
by sending a notice to you using the information you provided to the Bank. The Bank may
also choose to publish such changes on its website and it is your responsibility to make
sure you are updated on them.
You agree to be responsible to check the UnionDigital website from time to time,
for any updates to this UnionDigital App T&Cs. You further agree that your continued
use of the UnionDigital App after any of the changes have taken effect will constitute
your consent and adherence to such changes.
As always, you may choose to decline charges by closing your Account(s) or refraining
from using the UnionDigital App Services to which these changes relate but charges
already incurred shall remain due from and payable by you. We also reserve the option,
in our business judgment, to waive, reduce or reverse charges or fees on a case-to-case
Service charges, fees and penalties include but are not limited to, the following:
- Annual fee;
- Fees for Accounts falling below the required maintaining balance;
- Dormancy fee;
- Transaction fees;
Other fees and charges UnionDigital may impose or introduce from time
to time, depending on the policy it may adopt within the limits allowed
by law and regulations.
10. INTELLECTUAL PROPERTY
UnionDigital developed and owns, or has the full right to use the UnionDigital App,
including all its components and content. You may not reproduce, disassemble,
reverse engineer, translate, decompile, decode, modify or create derivative works
from or exploit the UnionDigital App and its components, publish, transmit distribute,
display or modify its contents in any way, in whole or in part, any of its contents
or related software. All worldwide rights, titles and interests in the UnionDigital
App and the UnionDigital App Services including their respective components and contents,
belong to the Bank. Any violation of this clause automatically grants UnionDigital to
terminate all your rights to the Services.
11. TERMINATION OF THE UNIONDIGITAL SERVICES
You may terminate your use at any time of the UnionDigital App and/or UnionDigital
App Services in the following manner:
If you no longer wish to use the UnionDigital App and/or UnionDigital App Services,
you can delete / uninstall the application from the Mobile Phones where you have
installed the UnionDigital App.
Without the UnionDigital App, you will no longer be able to perform UnionDigital
App Services but you will remain responsible for all transactions performed on your
Account and the corresponding fees, charges and taxes which may be due thereon.
Please be reminded that uninstalling the UnionDigital App is not the same as closing
the Account. If you wish to close your UnionDigital Account, please refer to the
The Bank may, at its sole discretion, immediately terminate your use of the UnionDigital
App and/or any UnionDigital Service without incurring any liability should any of
the following occur:
Your failure or refusal to comply with any provision in this UnionDigital App
T&Cs or the Bank’s policies.
If your continued use of the UnionDigital App and/or the UnionDigital Services
will expose the Bank to any kind of risk such as but not limited to financial,
operational, legal, reputational, regulatory risks.
Your refusal to provide any information required by the Bank or should there be
misrepresentation on your part or falsities in the information you provide; or
Any other ground as provided in these T&Cs.
The Bank may also withdraw the UnionDigital App and/or any UnionDigital Service
for security and other reasons. In such instances, you will be given reasonable
The agreement comprised in this UnionDigital T&Cs shall be deemed to remain in
full force and effect if and in so far as any transaction is completed but not debited
to your Account/s prior to termination of the service. Also, termination of the
UnionDigital App shall not prejudice your liability in respect of things done or
omitted to be done prior to termination thereof.
UnionDigital, its stockholders, directors, officers, employees and representatives
shall be held free and harmless from any liabilities, claims and demands of whatever
kind in connection with or arising from:
closure of the account(s); and/or
UnionDigital reporting the account closure and the reason(s) thereof to
the Bangko Sentral ng Pilipinas (BSP), Bankers Association of the Philippines
(BAP) or any other central monitoring entity or bureau established by the BAP
or BSP to keep record of and monitor mishandled accounts.
In all instances of account closure, UnionDigital shall return the deposit, if any,
net of charges, applicable fees, taxes and/or contingent or past due liabilities.
The accountholder may be notified either personally, by mail or through the Bank’s
electronic channels, of the Bank’s intention to close the account and interest shall
cease from the date of such notification. Notice by mail shall be deemed received
within 14 calendar days after the date of posting. In all cases, the release of the
funds of closed accounts shall be subject to the UnionDigital’s verification and
12. FREEZING AND/OR SUSPENDING OF UNION DIGITAL ACCOUNT AND/OR SERVICES
UnionDigital, may, at its option, and without prior notice, put the account
on “total freeze” status and/ or suspend Your access to Services without
incurring any liability to the accountholder for any of the following instances:
if UnionDigital suspects the account and/or activity is involved in
(or has a risk of involvement in) money laundering, terrorist financing,
fraud, or any other type of financial crime; in response to a subpoena,
court order, or other government order;
if the accountholder fails to update his or her personal information
for mandatory KYC requirements until required supporting documents
have been submitted to the satisfaction of the Bank and in accordance
with BSP rules and regulations; and/or
upon the UnionDigital’s knowledge of the death of an accountholder
until claimants have complied with the UnionDigital’s policy on
deceased depositors and other legal requirements.
Should the Bank become involved in any litigation which may have relation with
this UnionDigital App T&Cs or with any of the rights, powers and remedies
hereunder, all fees and expenses incurred by the Bank in such a litigation, including
a reasonable amount for the attorney's fees which amount is hereby agreed to be at
the rate of ten percent (10%) of the sum sought, shall be paid by the you.
This UnionDigital App T&Cs is governed by the rules and regulations of Bangko
Sentral ng Pilipinas and applicable laws, rules, and regulations of the Philippines
relating to the covered transactions herein. It shall be understood that access to
and use of the UnionDigital App shall be subject to applicable requirements and
procedures of government telecommunications or other regulatory authorities and
those prescribed by law.
The venue of all legal actions or proceedings arising out of or in connection
with these UnionDigital App T&Cs shall be brought only in the proper courts
of Pasig City to the exclusion of all other venues.
By clicking “I Agree”, I acknowledge that I have read, understood, and
fully agree with the UnionDigital Terms and Conditions and my agreement
shall have the same legal validity and enforceability as a manually
executed signature or use of a paper-based record-keeping system to the
fullest extent permitted by applicable law.