Introduction

By using your Jamuna Bank PLC 'VISA PREPAID CARD' you unconditionally agree to be bound by the laws, rules, regulations, and official issuances applicable, now existing or which may hereinafter be enacted, issued or enforced. These terms and conditions comprise the agreement between Jamuna Bank PLC (herein after referred to as “we”, “us” and “our”) and the CARDHOLDER (herein after referred to as you and your) in whose name the Card has been issued. In this agreement, CARDHOLDER shall include (where appropriate) any person the customer has asked us to give a Card to.

1. Definition

• “Bank” means Jamuna Bank
• “Card” means Jamuna Bank PLC VISA PREPAID CARD issued by us, including any renewal or replacement card or cards.
• “Cardholder” means the person having power alone to operate the card in accordance with the Bank's mandate in respect thereof.
• “Jamuna Bank PLC” means Jamuna Bank
• “Load”, “Reload” means to pay/ credit/deposit money to your prepaid card
• “PIN” means the Personal Identification Number issued to you to authorize transactions (ATM and POS).
• “PASSCODE”, “CVV2” means the 4-digit code used to make e-commerce
• “Prepaid Card” means the Prepaid (pay now buy later) issued to you
• “Transaction” means any cash withdrawal or payment made using the Card, or any refund arising in connection with the use of the Card in any authorized manner for debit or credit to the card.
• “VISA” means Visa International and its authorized
• “Visa Card access points” means an ATM, POS terminal or Website merchant location that the Visa Prepaid Card is used on.

2. Applying for a Prepaid Card

• You must be at least 18 years old to apply for a Prepaid
• Proof of identity is required to apply for a Prepaid
• You must provide a valid mobile number and e- mail ID at the point of applying for a Prepaid
• For proof of address, you must submit bank statement/ utility bill (not more than two months old).

3. Activating your Prepaid Card

• Your card will be activated upon getting the signed acknowledgement slip from you and subsequent phone call at your mobile phone.
• However, your card will remain inactive/inoperative if the KYC is not acceptable to the

4. Initial Loading /Reloading Your Card

• Loading and reloading of cards can be done at any Jamuna Bank PLC branch/ Jamuna online
• The minimum and maximum load amount allowed on your card is Tk. 1,000 and Tk. 5,00,000

5. Using the Card

• We will give you a Card for withdrawal of cash from cash machines (ATMs) or to withdraw cash and/or to make payments for goods and/or services. You must sign your Card and change your PIN to a new PIN of your choice as soon as you receive it and follow any instruction that we give about using your Card and keeping it
• The card must not be used for any unlawful transaction including the purchase of goods and/or services prohibited by the laws of the Govt. of
• We may refuse to authorize use of the card if the transaction does not comply with applicable terms from time to time.
• We will convert all overseas transactions into US Dollar currency using the prevailing exchange rate as determined by the bank. A percentage commission of 3% as determined by the bank from time to time shall be charged on the amount of the transaction taken place other than US Dollar currency.
• All the Cards belong to the Bank and we may ask you to return them to us and/or ask others to hold on to them for us at anytime.
• Any establishment may ask us for authorization before accepting payment by your We may decide not to give our authorization if:
  • Your card has been reported as lost or stolen, or we have reason to suspect it is lost or stolen.
  • You have defaulted on any part of this
• You must take all reasonable precautions to prevent the Card and PIN from being used fraudulently or you will be liable for any loss incurred by

6. Fees and Charges

• You shall be charged fees by the Bank, in accordance with the Bank's schedule of fees and charges regarding your Visa Prepaid
• You are encouraged to call the Bank at Jamuna Bank PLC Contact Centre numbers below if you have any queries, complaints or issues regarding your

7. Limiting your right to use the Card

• If we have good reason, we may:
  • Refuse to approve a transaction
  • Cancel or suspend your right to use the Card for any or all purposes; or refuse to replace any Card without prior notice to This agreement will be deemed to continue to subsist even if we do any of the above.

7.2 We will not be liable to you

• For refusal on our part to approve a
• For any loss or damage, you may suffer as a result of the
• If your card is used after you failed to report a lost or stolen card to us
• If your card is misused due to negligence on your

8. Security

• You should keep the Card safe and your PIN confidential at all
• You should never write down or record your
• You should only reveal the Card number to make a transaction or to report the loss or theft of the Card or otherwise with our permission only if we allow you to do

9. What you should notify us

• You should notify us:
  • Immediately your card is lost or stolen or you think that the Card may be compromised misused or if the PIN is disclosed to any unauthorized persons or suspected to have been compromised.
  • If your statement includes an item which you think
  • Immediately you change your name or

10. Loss or Misuse of Your Visa Prepaid Card

• Your Liabilities
  • If your card is lost, stolen or misused by someone who obtained it due to your negligence; you will be liable for all amounts transacted on your card and losses
  • If it is misused with your permission, you will be liable for all
  • If the card has been fraudulently used before you report the loss, or in a manner that suggests compromise by the cardholder,
  • The Bank shall not be liable for consequences that arise as a result of disclosure to any third party arising out of a transaction
  • The Bank shall not be liable, accountable or responsible in any way whatsoever to the Cardholder for any loss, injury or damage howsoever arising out of the use of the Visa Card access points.
• If the card is lost or stolen or is misused or someone else may have discovered the PIN, you must notify us immediately by calling or e-mailing us on our Contact Centre On receipt of your report we will take steps to stop the use of the card and, where appropriate. You must, if we ask you to, cut the card in half and return it to us together with any additional card(s).

11. Limits of Liability

• Until you notify us that your card is lost, stolen or at risk of being misused, you will be liable for transactions before we acknowledge the receipt of the
• If someone uses a Card issued to you, you will be liable for all the transactions which take place prior to your notifying us that there is a danger of the card being
• You will not be liable for losses from transactions that take place after you have notified us and we have acknowledged receipt of your notification that your card is lost or stolen or is in danger of being misused
• If we are unable to debit your Card because the card has been closed or for any other reason beyond our control, you will still be liable to pay us for all
• We will not be liable to you if we cannot carry out our responsibilities under this agreement as a result of anything that we cannot reasonably control. Thisincludes:
  • any machine failing to work; and
  • Industrial disputes, natural disasters, or acts of God
• We will only be responsible for the loss you suffer as a direct result up to a maximum of the balance in your card and not for any other loss (for example loss of reputation)
• If for whatever reason you do not use your card in accordance with these Terms and Conditions or the card is being used fraudulently, we reserve the right to charge you for any cost that the Bank reasonably incurs in taking action to stop the use of the card and to recover any monies owed as a result of your activities
• We shall not be liable for the goods or services that you purchase with your
• We shall not be liable for a merchant's refusal to honor a transaction on your card or failing to cancel an authorization.
• There may be interruption in the use of your card e.g. when maintenance is being carried out of which we will not be held liable During this short period, you may be unable to use your card to pay for purchases or withdraw cash from the ATM, reload you card, check balance on card. Please notify us if you have any problems using your card.

12. Refunds and claims

We will credit your card with a refund for any transaction or incorrect debit to your Card which you have protested against; only after an independent investigation is conducted by us and we are satisfied that your claims are correct. You cannot use a claim you may have against someone else to make a claim against us, or refuse to pay us, unless you have a legal right to do so. You cannot transfer any rights against us to anyone else.

13. Changing the terms of this agreement

• We may change the terms of this agreement, including our charges upon notification to you about the change. Changes will normally arise from changes in market conditions, changes in the cost of providing the service to you, changes in legal or other requirements affecting us or for any other good
• We may introduce a charge for any service provided under or in connection with this
• Most changes will be implemented at least 14 days after we notify you through your email ID about them to give you sufficient time to consider whether you wish to continue with the service.

14. Terminating thisagreement

This agreement will come to an end if either party gives a written notice to the other to that effect and you have returned all Cards and made all payments due under this agreement.

15. General

• We do not warrant that services and benefits that we provide pursuant to the terms of this agreement will always be available. We reserve the right to withdraw or vary these services or benefits at any time without giving you
• We will charge you for any loss or cost we incur resulting from a breach of this agreement by you.
• This agreement is governed by the Laws of the Govt. of Bangladesh including laws pertaining to money laundering, Bangladesh Bank foreign exchange regulations and guidelines and other applicable laws in
• We do not accept liability if we cannot provide any part of our service for a reason beyond our control (for example, industrial action, failure of power supplies or equipment).
• Your application will be subject to our processes and reviews, which may require you to provide further confirmation on We reserve the right to accept or reject your application.
• We reserve the right to terminate this agreement immediately upon suspicion of false information on opening a prepaid card or a fraudulent/criminal act is ascertained against you.

 

("Us", "We", or "Our") (the "Service"). This page explains our policies for collecting, using and disclosing personal data when you use our Service, as well as your options for dealing with that data.

Your information is used to provide and improve the Service. You agree to the collection and use of information in line with this policy by using the Service. Unless otherwise specified in this Privacy Policy, terms have the same meaning as in our Terms and Conditions, which can be found at https://onlinecard.jamunabankbd.com.

Information Collection and Use

We collect a variety of data for a variety of reasons in order to deliver and improve our service to you.

Types of Data Collected Personal Data

We may ask you to provide us with personally identifying information that can be used to contact or identify you while using our Service ("Personal Data"). Information that can be used to identify you includes, but is not limited to a valid email address Names, both first and last, Address, State, Province, ZIP/Postal code, City Cookies, and Usage Data.

Usage Data

We may also gather information about how the Service is used and accessed ("Usage Data"). This Usage Data may include your computer's Internet Protocol address (e.g., IP address), browser type, browser version, the pages of our Service that you view, the time and date of your visit, the time spent on those pages, unique device identifiers, and other diagnostic data.

Tracking & Cookies Data

To track activities on our Service and store certain information, we utilize cookies and similar tracking technologies. Cookies are little data files that may or may not contain an anonymous unique identification. Cookies are little text files that a website sends to your browser and stores on your device. Beacons, tags, and scripts are examples of tracking technologies that are used to collect and track data, as well as to develop and analyze our Service. You may set your browser to reject all cookies or to notify you when one is received. You may not be able to utilize some parts of our Service if you refuse to accept cookies. Cookies that we use as examples:

• Session Cookies: To run our Service, we need Session Cookies.
• Preference Cookies: Preference Cookies are used to remember your preferences and other settings.
• Security Cookies: For security reasons, we employ Security Cookies.

Use of Data

The information gathered by Jamuna Bank is used for a variety of purposes:

• The Service must be provided and maintained.
• To keep you up to date on changes to our Service.
• To enable you to take part in interactive parts of our Service if you so desire.
• To provide client service and assistance.
• To provide valuable information or analysis so that we can improve the Service.
• To keep track on how the Service is being used.
• To identify, prevent, and resolve technical problems.

Transfer of Data

Your data, including Personal Data, may be transferred to and stored on computers located outside of your state, province, country, or other governmental jurisdiction, where data protection regulations may differ from those in your jurisdiction. If you want to give information to us from outside Bangladesh, please be aware that we will transmit the data, including Personal Data, to Bangladesh and process it there.

Your assent to that transfer is based on your acceptance of this Privacy Policy and your submission of such information. Jamuna Bank will take all reasonable steps to ensure that your data is treated securely and in accordance with this Privacy Policy, and no transfer of your Personal Data to an organization or country will take place unless adequate controls, including data and other personal information security, are in place.

Disclosure of Data Legal Requirement

Jamuna Bank may release your Personal Data if we have reasonable grounds to believe that it is required to:

• To follow through on a legal commitment.
• To preserve and defend Jamuna Bank’s rights and property.
• To prevent or investigate potential misbehavior relating to the Service.
• To safeguard the personal safety of Service users or the general public.
• To provide valuable information or analysis so that we can improve the Service.
• To shield yourself from legal repercussions.

Security of Data

We care about the security of your information, but keep in mind that no method of Internet transmission or electronic storage is completely safe. While we make every effort to protect your Personal Data using commercially reasonable techniques, we cannot guarantee its total security.

Service Providers

We may hire third-party companies and individuals to help us provide our Service ("Service Providers"), provide the Service on our behalf, execute Service-related functions, or assist us in assessing how our Service is used. These third parties have access to your Personal Data only to carry out these duties on our behalf, and they are prohibited from disclosing or using it for any other reason.

Links to Other Sites

Our Service may contain links to third-party websites that are not under our control. You will be routed to the third party's website if you click on a third-party link. Every site you visit should have a Privacy Policy that you should read. We have no control over the content, privacy policies, or practices of any third-party sites or services, and we disclaim any responsibility for them.

Changes to This Privacy Policy

From time to time, we may make changes to our Privacy Policy. Any changes will be communicated to you by posting the revised Privacy Policy on this page. Prior to the change taking effect, we will notify you through email and/or a conspicuous notice on our Service, and we will revise the "effective date" at the top of this Privacy Policy. It is recommended that you examine this Privacy Policy on a regular basis for any updates. When changes to this Privacy Policy are posted on this page, they become effective.

We appreciate your prepaid card’s order at https://onlinecard.jamunabankbd.com . We're here to help if you're not completely happy with your order.

1. Return

• The card was ordered during the last three days.
• The card is still in its original, undamaged packing (unopened)
• The reason for the return must be true, and the return must meet the requirements (see below):
• item delivered incorrectly
• delivery of a defective good
• delivery of goods without necessary components
• Inaccurate information on the webpage
• Contact us to request a Return Merchandise Number (RMN): Contact us at 16742 (Local), +8809610005678 (Overseas). Send an email to cards@jamunabank.com.bd

2. Cancellation and refund due to product unavailability:

• Jamuna Bank authority may cancel any order within 25 working days if the stock of the ordered item(s) is momentarily unavailable. Delivery of the ordered items is dependent on the availability of the products at our warehouse/store.
• The order may stay open, processed, or held for a maximum of 30 days if the client agrees to wait for the product's supply to become available.
• If the client has already paid in advance for the order under clause (a), the customer will get a complete refund within 1 to 15 working days.
• If a client cancels an order after it has been confirmed and the customer has already completed an online payment for that purchase, Jamuna Bank will deduct an online gateway transaction fee from the refund amount.

3. Return, replacement of any of the following conditions may prevent the guarantee from applying:

• Damages resulting from product abuse
• Incidental harm caused by a product's failure any consumables that have been used or installed
• Items having altered, missing, or improper serial or UPC numbers
• Any deterioration or flaw not covered by the manufacturer's guarantee
• Any product that is sent back without its complete original packing, which includes the box, any manufacturer packaging, and all other accessories that came with it when it was delivered.
• Replacement of the item is contingent upon its availability on https://onlinecard.jamaunbankbd.com.

4. Damaged goods

If you received the card that is damaged, please contact us right away so we can offer support.

5. Items on sale

Sale products can't, regrettably, be returned. Only goods with standard prices may be reimbursed.

6. Delivery fees

The shipping costs you paid when you returned a product are not refundable. Both to and from Jamuna Bank, you are responsible for covering the expenses of shipping as well as the risk of the goods being lost or damaged during transit.

7. Refund

We will credit your card with a refund for any transaction or incorrect debit to your Card which you have protested against; only after an independent investigation is conducted by us and we are satisfied that your claims are correct. You cannot use a claim you may have against someone else to make a claim against us, or refuse to pay us, unless you have a legal right to do so. You cannot transfer any rights against us to anyone else. The made payment will be refunded within 7 to 10 working days based on the following reasons:

• If the product is not available after the order is made.
• If the product is stock faulty.
• If the warranty product or returned product is not fixable.

Contact Us

Call us at 16742 (Local), +8809610005678 (Overseas).
Email cards@jamunabank.com.bd with your inquiry.