DEFINITION OF TERMS

This EON Mobile Application Terms and Conditions (the “EON App Agreement”) governs your use of the EON App provided to you by Union Bank of the Philippines (“Eon” or the “Bank”) located at UnionBank Plaza, Meralco Ave. cor. Onyx and Sapphire Roads, Ortigas Center, Pasig City, Philippines. In these Terms and Conditions:

•  "EON App" refers to Eon’s EON mobile app and internet banking service which can you can use for EON App Services.
•  “EON App Services” refers to the various financial transactions that you may use the EON App for, such as but not limited to, balance inquiry, fund transfers, pay bills or buy load The Bank reserves the right to add to or remove the kinds of financial transactions You may perform using the EON App.
•  "Account" refers to the EON account held with UnionBank in Your name.
•  "We", "Us", "Our", "EON" "Bank" refers to Union Bank of the Philippines.
•  "You" and "Your" refers to the owner of the Account and/or user of the EON App.
•  A "Mobile Phone" refers to a cellular network phone unit with a subscriber identity module (SIM) card and corresponding 11-digit 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 Eon App or Eon website for purposes of authenticating the person logging in to the EON App or performing a financial transaction using the EON App.

1. ACCESS TO ACCOUNT
   1. You may access your Accounts by using your EON App to register. You may download the EON App at the Google Playstore or Apple iOS App Store and it can be installed on an Apple or Android Mobile Phone.
   2. Upon registration, you must provide the required Account information, and designate a User ID and password. By registering with the EON App, you warrant that all the information you provide are true, complete and up to date.
   3. You agree to supply additional information as may be required by the Bank. You acknowledge that your nominated e-mail address and/or mobile phone number maintained in the Bank's records are active and valid and shall be where all enrollment, password-related information, and other online correspondences will be sent by the Bank. The Bank, at its sole discretion, reserves the right to validate the information provided by you through the EON App or customer service. Once your information has been validated, you will receive a confirmation from the Bank through short message sending (SMS) and/or electronic mail (email).
   4. EON App Services will only be available after validation of the information you provided and authentication of your identity through various two-factor authentication methods. Once validated and authenticated, all instructions received from you through the EON App shall be considered fully authorized, and valid and binding on you. The Bank shall not be liable for implementing the banking transactions you instructed.
   5. The Bank shall have no obligation to verify the authenticity of any transaction received from you through or purporting to have been made by you using the Eon App other than by means of verification of your mobile number through the OTP sent, your User ID and password, or through biometric authentication methods such as but not limited to fingerprint scanning, facial recognition or retina scan.
   6. Your enrolment to the EON App will be effective upon your receipt of the Bank's confirmation of the enrolment of your Accounts through SMS and/or email and will remain in full force and effect until we receive from you a written notice of its termination.
   7. The EON App may only be installed in one Mobile Phone. If the EON App has already been installed in one Mobile Phone and you wish to use it on another Mobile Phone, you would have to log in the other Mobile Phone and add the device under your Trusted Devices.
   8. The EON App may be utilized anytime except for when we are undergoing system maintenance and if the Bank notifies you of its unavailability of .
2. ONLINE BANKING PASSWORD SECURITY
   1. You shall keep your user ID, password, Account numbers and other Account data 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.
   2. To protect your user ID and password, you should always log off when your Mobile Phone is unattended or after completing a banking transaction.
   3. You agree to assume full responsibility and liability for all transactions made in your Accounts through the use of the EON 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 Sec. 2(d).
   4. You agree that the Bank, at its sole discretion, is entitled to act on the instructions received from you through the EON App after the correct entry of your User ID, password and/or OTP, or your other biometric authentication methods such as but not limited to fingerprint scanning, facial recognition and retina scan. You further agree that the Bank shall not be liable and you agree to indemnify the Bank for any losses, damages or costs the Bank incurs for acting in accordance with or based on requests/instructions received through Eon App, which we believe emanates from you.
   5. As a safety measure, you further agree and undertake to change your password from time to time as you deem necessary. 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 sending an email to heretohelp@eonbankph.com, submitting a ticket through the application and shall give the latter a reasonable period to de-activate your compromised Eon App User ID and password. The Bank is not responsible for any loss, 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 do not notify the Bank that your mobile phone or password may have been lost/stolen or that someone has used it without your permission.
   6. You agree to be fully responsible for the Mobile Phone you use to access the EON App including its maintenance, repair and installation of the necessary security patches and/or upgrades.
   7. When changing your Eon App password, choose a password which must not relate to any readily accessible data such as your address, telephone number, driver's license, date of birth etc. and easily guessable combination of numbers. Do not let any unauthorized person have access to your Mobile Phone or leave your Mobile Phone unattended while accessing the EON App.
   8. 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 EON App does not allow deactivation of your OTP for your safety.
3. SERVICES
   1. Balance Inquiry. You may view the account balances of your enrolled Accounts. The account dashboard screen contains all enrolled Accounts in the EON App except for Account(s) you have hidden through the EON App or through a documented request. If you wish to hide/unhide an Account in the EON App, you can click on the Hide/Unhide Account button in the dashboard.
   2. Add Money. You may add money to your Account by transferring funds from your other EON Account(s), Bank account(s) or other partner institutions of EON including but not limited to account with other local banks and over the counter services.
   3. Send Money. You may send money from your own Account/s to another EON account, Bank account or third-party accounts with other local banks and other remittance partners provided that: (1) there are sufficient funds available in your 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 Eon 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 shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of the Bank. The Bank shall likewise not be liable for losses, costs or damages for failed or incorrect fund transfers resulting from an error or omission in the information you provided us with. You guarantee and warrant the validity and legality of the underlying transactions and payments every time you use the Send Money EON App Service.
   4. Pay Bill. You may pay your bills from your Account(s) to institutions with which the Bank has collection arrangements. There is no enrolment required for this service. If the payment is made on Saturday, Sunday or holiday, your Account shall be debited for the payment amount on the same day and the institution advised of such payment on the next banking day. The Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond the reasonable control of the Bank.
   5. Buy Load & Top Up. You may buy Telecom Load (GLOBE, SMART, and SUN networks) and top up from your enrolled Account to: (1) your own mobile number/account; and (2) other user-identified mobile numbers/other accounts. You may also top up your gaming accounts by buying Gaming Load from your enrolled Account by entering your account details and amount to transfer. There is no enrolment of mobile numbers/accounts required for this service. The denominations available for each Telecom Load and/or Gaming Load are subject to their availability with the electronic load vendor. Your Account shall be debited for your load purchase the same day as you buy load / make top up request. You understand that all buy load transactions are subject to the availability and reliability of your telecommunication network connection, the electronic load vendor receipt of transaction request and load denomination availability.
   6. Managing your card and Account. You may manage your Account in the EON app without the need to visit a branch.
4. CALL EON SUPPORT You may call the Bank for inquiries or, concerns about or to report unauthorized transactions in the EON App by clicking “Contact Us” in the log in screen and by going to settings and clicking “Help”, or email us at heretohelp@eonbankph.com.
5. ACCURACY OF INFORMATION
   1. The Bank will use reasonable efforts to ensure the accuracy of information accessed through the EON App but does not warrant the information will be free from error. If you notice an error in the Account information supplied to you through the EON App or by the use of any of the EON App 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.
6. PRIVACY POLICY – Please read the Privacy Policy also found in this App to understand how we use and process any information you give us and to know your rights as a data subject.
7. ADDITIONAL FEATURES AND SERVICES
   The Bank may, from time to time, introduce new banking features and services. We will inform you of these new features and services. The terms in this EON App Agreement automatically apply to your use of these new features and services in addition to the specific terms and conditions that will be made available to you concerning these features and services.
   
   The Bank does not guarantee the continuous availability of all banking services mentioned in this Agreement. The Bank reserves the right to terminate or suspend, in its sole discretion, any of the services and features in the App.
8. LIABILITY
   The Bank shall not be liable for any loss or damage of whatever nature in connection with the implementation of transactions coursed through the EON App in the following instances:
   1. Disruption, failure or delay relating to or in connection with the EON App and/or EON App Services which are due to circumstances beyond the control of the Bank, unforeseen events, 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.
   2. Loss or damage arising out of any fraudulent access or utilization of the EON 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 EON App with or without your participation.
   3. Your misuse of the EON App and/or any EON App Service;
   4. Any inaccurate, incomplete or incorrect information you provided to the Bank or any fraud or misrepresentation on your part.
   5. Any indirect, incidental or consequential loss, loss of profit or damage suffered by reason of the use or failure or inability to use the EON App and/or EON App Services.
   6. 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.
   7. Any incidental or consequential loss, loss of profit or damage arising from the loss of your mobile phone, mobile devices and other electronic devices enrolled to Eon Online.
9. SERVICE CHARGES AND TAXES
   
   1. You will need to be connected to the Internet when using the EON App. Internet usage may entail charges from your network provider and these are charged directly from 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 EON App and perform financial transactions using the EON App. We will not be liable for any failure to comply with your financial transaction instructions as a result of the insufficiency of your Mobile phone credits.
   2. You agree to pay the charges that may be imposed by the Bank when availing of EON App Services. The standard SMS and call rates that will apply by using the EON App. We will deduct the charges directly from your Account balance as these are incurred. In the event that the Account has insufficient funds to cover both the financial transaction and the SMS / call charges, the Bank reserves the right to refuse to comply with your instructions(s) and you agree that the Bank is not liable for any and all losses, costs or damages which you or any third party may suffer therefrom.
   3. You are also responsible for paying any and whatever taxes may be due or imposed by your use of the EON App or EON App Services. You authorize the Bank to automatically Account for any and all such taxes due and required to be withheld by the Bank.
   4. The Bank reserves the right to change the charges, fees, or other terms described in this EON App Agreement. When changes are made and/or fees, charges or other material terms are added the Bank will, as far as practicable, inform of such changes either by sending a notice to you at the address you have provided the Bank or send you an email. The Bank may also choose to publish such changes on its website https://www.eonbankph.com.
   5. You agree to be responsible to check the EON Website from time to time, for any updates to this EON App Agreement and you further agree that your continued use of the EON App after any of the changes have taken effect will constitute your consent and adherence to such changes.
   6. As always, you may choose to decline changes by closing your Accounts or refraining from using the EON 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 basis.
10. INTELLECTUAL PROPERTY
    
    1. The EON App is owned and developed by the Bank including all its components and contents. You may not reproduce, disassemble, reverse engineer, translate, decompile, decode, modify or create derivative works from or exploit the EON 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 EON App and the Eon App Services including their respective components and contents, belong to the Bank.
11. TERMINATION OF THE AGREEMENT
    
    1. You may terminate your use at any time of the EON App and / or EON App Services in the following manner.
       1. If you no longer wish to use the EON App and / or EON App Services, you can delete/ uninstall the application from the Mobile Phones where you have installed the EON App.
       2. Without the EON App, you will no longer be able to perform EON 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.
    2. The Bank may, at it sole discretion, immediately terminate your use of the EON App and / or any EON App Service without incurring any liability should any of the following occur:
       1. Your failure or refusal to comply with any provision in this EON App Agreement, EON Terms of Use or the Bank’s policies.
       2. If your continued use of the EON App and / or the EON App Services will expose the Bank to any kind of risk such as but not limited to financial, operational, legal, reputational, regulatory risks.
       3. 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.
    3. The Bank may also withdraw the EON App and/or any EON App Service for security and other reasons. In such instances, you will be given reasonable prior notice.
    4. The Agreement comprised in these EON App Agreement 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 Eon App shall not prejudice your liability in respect of things done or omitted to be done prior to termination thereof.
12. MISCELLANEOUS
    
    1. Should the Bank become involved in any litigation which may have relation with this EON App Agreement, 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 10% of the sum sought, shall be paid by the you.
    2. This EON App Agreement is governed by the rules and regulations of Bangko Sentral ng Pilipinas and applicable laws of the Philippines relating to the covered transactions herein. It shall be understood that access to and use of the EON App shall be subject to applicable requirements and procedures of government telecommunications or other regulatory authorities and those prescribed by law.
    3. The venue of all legal actions or proceedings arising out of or in connection with these Terms and Conditions 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 EON Mobile Application Terms and Conditions. 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.