Please carefully read these Terms and Conditions (hereinafter the “Terms”), which govern the principal conditions for the use of the Digital Channel. By using in the Digital Channel, the user confirms that they have read and agree to these Terms.
1. Definitions of Terms
1.1. Bank - JSC “TBC Bank” (ID N. 204854595)
1.2. General Agreement – The “Provision of Banking Operations” Agreement.
1.3. Information - Any information of any kind provided to the Client by the Bank and/or any of its employees in any form whatsoever, including, but not limited to, information made available through the Digital Channel. Information may be presented in various forms and formats, including, without limitation, letters, opinions, analytical materials, research results, charts and graphs, bylaws and agreements, as well as other documents.
1.4. Legislation - Legislative and subordinate normative acts in force in Georgia, as well as the international treaties and Agreements of Georgia incorporated into the system of normative acts of Georgia
1.5. Third Party - Any person or entity other than the Bank and the Client, including, but not limited to, individuals, legal entities, and public authorities.
1.6. Client - Any individual or legal entity who accesses or utilizes any services provided by the Bank through the Digital Channel.
1.7. Digital Channel - The use of mobile bank and/or internet bank for the provision of remote services as defined by these Terms.
2. General Terms
2.1. Digital channel services shall mean the provision of various services and products determined by the Bank, which the Client may access without visiting a Bank branch.
2.2. Access to the Digital Channel shall be permitted only upon the Client’s full compliance with the criteria and requirements established by the Bank.
2.3. The Client shall have the right to use mobile bank through the Bank’s official mobile application on a compatible mobile device under the Client’s control. Internet Bank, on the other hand, may be accessed via the Bank’s dedicated website (https://www.tbconline.ge).
2.4. Any person who successfully completes the process of obtaining access to the Digital Channel shall be deemed a duly authorized Client, to whom the terms and conditions set forth in these Terms and in the General Agreement shall apply.
2.5. The Bank shall be entitled, at any time and without prior notice or explanation, to fully or partially block or temporarily suspend access to the Digital Channel if there are reasonable grounds and/or any doubt regarding the authenticity of the Client or the device.
3. Terms of Use of the Digital Channel
3.1. Through the Digital Channel, the Client may receive and manage various banking products and services, including, but not limited to:
3.1.1. Current and savings accounts;
3.1.2. Deposits;
3.1.3. Cards and card-related services;
3.1.4. Payment transactions and transfers;
3.1.5. Loans and credit products;
3.1.6. Any other product or service offered by the Bank and made available through the Digital Channel.
3.2. Within the Digital Channel, each action must be initiated by the specific Client registered in the Digital Channel.
3.3. The Client shall be fully responsible for all actions performed by them as an authorized user.
3.4. Access to or use of the Digital Channel (including the initiation or execution of transactions) through bots, scripts, automated software, data collection or mass data acquisition, reverse engineering of security or authentication mechanisms, attempts to interfere with or bypass security measures, commercial exploitation, provision of services to third parties beyond the Client’s own needs, or any other methods that compromise the intended use of the Digital Channel or involve its misuse, is strictly prohibited.
3.5. In the event that the Client wishes to use services or products beyond those available through the Digital Channel, including additional (non-standard) services and products, the Client shall submit a written request to the Bank and pay any fee established or required by the Bank.
3.6. Any attempt to obtain non-standard services through non-automated means or by any other improper method shall be considered unauthorized use of the Digital Channel and shall constitute a material breach of these Terms.
3.7. The Bank shall be entitled, without prior notice, to restrict the Client’s access to the Digital Channel, including, but not limited to, in cases where there is a reasonable suspicion of:
3.7.1. The Bank shall be entitled, without prior notice, to restrict the Client’s access to the Digital Channel, including, but not limited to, in cases where there is a reasonable suspicion of:
3.7.2. Fraudulent and/or abusive use of the Digital Channel;
3.7.3. Violation of these Terms and/or applicable Legislation.4. Confidentiality and Personal Data
4.1. The Bank confirms that it processes confidential information and personal data in accordance with the Privacy Policy, available at: https://tbcbank.ge/ka/privacy-policy. By agreeing to these Terms, the Client confirms that they are familiar with and accept the contracts of the policy.
4.2. Any means of access to the Digital Channel shall not be transferred or otherwise made available to any third party.
5. Rights and Obligations of the Parties
5.1. The Bank shall be entitled to:
5.1.1. Unilaterally modify the authorization requirements in the Client’s Digital Channel at any time;
5.1.2. Establish or limit transaction and daily limits;
5.1.3. Restrict access to services, Digital Channel, or session duration;
5.1.4. Monitor the Client’s behavior and service usage;
5.1.5. Temporarily or permanently restrict access to Digital Channel.
5.2. The Bank shall not be liable for any damage arising from the Digital Channel due to:
5.2.1. Unauthorized and/or prohibited use;
5.2.2. Malfunction of the Client’s mobile devices, software, or connection.
5.3. The Client shall be obliged to:
5.3.1. Maintain the confidentiality of data;
5.3.2. Ensure the security of the mobile device;
5.3.3. Use secure communication networks;
5.3.4. Immediately notify the Bank of any suspicious incidents or unlawful processing of personal data.
5.4. The Client shall be prohibited from using or attempting to use bots, scripts, automated software, screen scraping tools, or similar technical means for the purpose of:
5.4.1. Accessing services via Digital Channel;
5.4.2. Obtaining services free of charge or simulating them;
5.4.3. Bypassing functional, technical, or contractual restrictions established by the Bank.
6. Liability
6.1. The Bank shall provide technical support to the Client for obtaining the relevant services while using the Digital Channel.
6.2. The Bank shall not be liable for any outcome, including direct, indirect, special, incidental, or consequential damages arising from improper use of the Digital Channel or violation of these Terms.
7. Other Conditions
7.1. The Client acknowledges that, if the Client uses an outdated (requiring update) version of the mobile application or the Bank’s website, certain services and/or products of the Bank may not be available to the Client. For the full and uninterrupted use of banking services and/or products, the Client is obliged to update and use the latest version of the mobile application and/or the website.
7.2. The Digital Channel is fully controlled by the Bank and is subject to systematic security monitoring.
7.3. These Terms shall be governed by the Legislation of Georgia.
7.4. These Terms are effective and regulated together with the General Agreement.
7.5. The Bank reserves the right to unilaterally amend these Terms at any time.
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