1.1 The following terms and conditions ("Terms and Conditions") shall govern the access to and use of Pocket Connect and the Services made available by Hong Leong Bank Berhad ("HLB") or Hong Leong Islamic Bank Berhad ("HLISB") on Pocket Connect, which are accessible via handheld electronic devices such as smartphones and/or tablets.
1.2 The access or use of Pocket Connect and/or the Services by you or any child under your parental responsibility/guardianship shall constitutes your agreement to be bound by these terms. If you do not agree to these terms, you or any child under your parental responsibility/guardianship shall not or shall immediately discontinue the access or use of Pocket Connect.
1.3 These terms are to be read together as a whole with the General Terms and Conditions of Accounts for Deposits and Islamic Banking Deposits, Hong Leong Debit Card Terms and Conditions, Terms and Conditions for Hong Leong Connect, DuitNow Services Terms and Conditions and any other applicable terms and conditions governing all products and services of HLB/HLISB and any other relevant terms and conditions as HLB/HLISB may impose from time to time (by giving you prior notice) ("Other Terms"). Where there is a conflict between these Terms and Conditions and the Other Terms on the usage of Pocket Connect and the Services, these Terms and Conditions shall prevail to the extent of such contradiction.
The following definitions apply unless otherwise stated:
| Terms | Meaning |
|---|---|
| "Connect" | Internet banking services provided by HLB/HLISB to enable you to perform banking transactions with the use of a personal computer terminal or any electronic device through the Internet browser. |
| "Customer" | The parent/legal guardian and their child. |
| "Junior Account" or "Account" | The "Adult for Child" junior banking account/in-trust account offered by HLB/HLISB, included Hong Leong 3-in-1 Junior Account, Hong Leong 3-in-1 Junior Account-i, Hong Leong Junior Savings Account and Hong Leong Junior Savings Account-i, whereby the parent/legal guardian is the primary accountholder and the child is the beneficiary of the account. |
| "Login PIN" | A 6-digits code created by your child when registering for Pocket Connect or when your child resets their Pocket Connect account after your child has forgotten his/her Login PIN. Login PIN is required by HLB/HLISB to identify your child before granting your child access to Pocket Connect. |
| "Nickname" | Your child's displayed name on the Pocket Connect app, which your child can customise via Profile Setting in Pocket Connect. |
| "Pocket Connect" | A mobile application to be downloaded onto smart phone, tablet or other electronic devices (which are capable of supporting mobile app) which enables you or your child to access the Services. |
| "Pocket Connect Parent Portal" | The pocket money management facility made available on your Connect account, which enables you to manage your child's Pocket Connect account. |
| "Privacy Notice" | HLB/HLISB's policies and principles pertaining to the collection, use and storage of personal information of existing and prospective individuals and entities dealing with HLB/HLISB. These policies and principles may be amended from time to time and made available at the HLB/HLISB websites respectively. |
| "Services" | Pocket money management facility provided in Pocket Connect and the Pocket Connect Parent Portal, which help you and your child to collaboratively manage pocket money in a safe and educational environment. |
| "TAC" | "Transaction Authorisation Code" is a unique 6-digit code sent to your mobile number registered with HLB/HLISB, which needs to be entered by you to authorise your child to register and reset the Pocket Connect account. |
(a) Where there are two or more persons comprised in the term ‘you’ or ‘the Customer’, the instructions, agreements, undertakings, obligations that are expressed to be issued or given by or made by one person, shall be deemed to have been issued or given by or made by jointly and separately and binding upon these two or more persons.
(b) Words indicating the singular shall include the plural and vice versa and those indicating the masculine gender shall include the feminine and neuter gender and vice versa.
(c) For Islamic products offered by HLISB, where applicable;
3.1 You must be eighteen (18) years of age and have an active Junior Account with HLB/HLISB. If you do not have a Junior Account, you can open one at any HLB/HLISB branch, subject to the relevant product's terms and conditions.
3.2 Your child, who is the beneficiary of the Junior Account, must be below eighteen (18) years, with a valid MyKid or MyKad, who is the beneficiary of the Junior Account.
3.3 HLB/HLISB shall accept or reject your registration subject to you satisfying the requirements for Pocket Connect registration, including items 3.1 and 3.2 above.
3.4 You must be a registered Connect user in order for your child to fully utilise the Services on Pocket Connect and manage and customise your child’s Junior Account and Pocket Connect settings. To register as a Connect user, visit www.hongleongconnect.my
4.1 Pocket Connect can only be accessed on personal electronic devices that meets the required hardware and software specifications and configurations as specified on HLB/HLISB’s website at www.hlb.com.my. Such personal electronic device also needs to:
(a) have internet or mobile network connectivity; and
(b) have sufficient storage space to receive communications sent by HLB/HLISB and support the operating of the Pocket Connect.
4.2 You shall be responsible to install, maintain and ensure the security of the personal electronic devices (including installing the necessary anti-spyware and firewalls), and internet/data connection used to access Pocket Connect. HLB/HLISB shall not be responsible for any loss, damage or expense incurred by you or any third party from any delay, failure, disruption, malfunction or intrusion due to your failure to ensure the security of the personal electronic devices and internet/data connection used to access Pocket Connect.
4.3 Accessibility to Pocket Connect shall be through a network service provider and such access will be subject to the terms and conditions agreed upon by you and your network service provider.
4.4 A TAC will be required when registering for and resetting Pocket Connect. You shall be responsible to ensure that your contact details with HLB/HLISB are updated and you have access to the mobile number registered with HLB/HLISB to receive the TAC. Any TAC delivered to you is dependent on the availability and quality of service and on the terms and conditions as agreed between you and your mobile network service provider. HLB/HLISB shall not be responsible for any loss or expense incurred by you or any third party from any delay or failure in receiving the TAC.
5.1 First Time Registration
5.2 Pocket Connect may be downloaded on a maximum of five (5) mobile and/or devices and link to his/her Pocket Connect account, using the same PIN to login and access from these devices.
5.3 The Pocket Connect account will become dormant if there is no login activity within a 12-months period.
5.4 If your child forgets the Login PIN or if the Pocket Connect account has become dormant due to inactivity, you/your child will have to reset the Pocket Connect account.
5.5 You and your child are aware and agree that HLB/HLISB uses the Login PIN to identify you and that it is your responsibility to ensure that the Login PIN is kept secure and exercise reasonable care to prevent unauthorised access and/or use of the Pocket Connect account.
5.6 It is your responsibility to ensure that once your child is logged on to Pocket Connect, the devices from which your child has accessed Pocket Connect shall not be unattended at any time nor should anyone else be allowed to use the said device until your child has properly logged off at the end of each session.
6.1 The Services are made available through Pocket Connect by HLB/HLISB subject to these Terms and Conditions. By allowing any child under your parental responsibility/guardianship to access or use the Services, it shall constitute an acknowledgement to HLB/HLISB that the child has obtained prior consent from you. The Terms and Conditions will be applicable to you in substitution of the applicability of the Terms and Conditions on any child under your parental responsibility/guardianship who access or use the Services.
6.2 The list of Services available can be found in the Pocket Connect FAQ at www.hlb.com.my/pocket-faq
6.3 Changes to the Services - HLB/HLISB may, by giving you notice in accordance with Clause 16, introduce additional Services or vary the scope and extent of the Services and their features. Any additional Services shall be on these Terms and Conditions, and additional terms and conditions (if any) as may be prescribed by HLB/HLISB by providing notice to you. Your continued use of the Services through HLB Pocket Connect will indicate that you agree with these Terms and Conditions as amended by such additional terms and conditions (if any) as may be prescribed by HLB/HLISB.
6.4 DuitNow QR - For matters relating to the use of DuitNow QR service, the DuitNow QR Service Terms and Conditions ("DuitNow QR T&Cs”) shall apply. The DuitNow QR T&Cs is made available at www.hlb.com.my/content/dam/hlb/my/docs/pdf/Personal/duitnow/hlb-duitnow-qr-tnc.pdf
(a) Pocket Connect and Pocket Connect Parent Portal is available seven (7) days a week and from 12:10 a.m. to 11:55 p.m. daily unless HLB/HLISB notifies the Customer otherwise or for any reason beyond the control of HLB/HLISB. During the period between 11:55 p.m. to 12:10 a.m. daily, the Customer will only be able to view their Junior Account balance. However, HLB/HLISB does not warrant that Pocket Connect and/or Pocket Connect Parent Portal will be available at all times.
(b) In the event Pocket Connect and Pocket Connect Parent Portal is not available, you may carry out your transactions at any of HLB/HLISB’s branches or use other alternative banking services available to you.
7.1 If you have not set a limit for your child on transactions carried out through Pocket Connect, HLB/HLISB, for control purposes, will be entitled to impose default limit in amount. You may log in to Pocket Connect Parent Portal to customise such limits from time to time, subject to the maximum allowable limit. The default limits and the maximum allowable limits are available online on HLB/HLISB’s website, and is subject to change from time to time with prior notification to you.
8.1 Transactions and instructions performed by you via Pocket Connect Parent Portal is subject to the Terms and Conditions of Connect.
8.2 You/your child shall ensure that the Instructions issued by them via Pocket Connect are complete, accurate and correct.
8.3 You/your child may issue Instructions to cancel, revoke, reverse or amend your/your child’s earlier Instruction and HLB/HLISB may only comply with the subsequent Instruction provided that the earlier Instruction, has not been executed.
8.4 HLB/HLISB reserves the right not to comply with your/your child’s Instructions with notice to you/your child, if your/your child’s Instructions are inconsistent with HLB/HLISB’s policy or rules and regulations in force for the time being.
8.5 Subject to Clause 8.4 above, once issued or transmitted, such Instructions cannot be cancelled, withdrawn, stopped or changed and shall be binding on you/your child.
8.6 You/your child are to regularly check and carefully monitor the Junior Account and check the balances each time prior to and after issuing any instructions to HLB/HLISB. You are to immediately inform HLB/HLISB of any inaccuracy or irregularity in any of the Junior Account.
8.7 You/your child shall ensure there are sufficient funds available in the Junior Account to perform any of the transactions your child require. HLB/HLISB shall not be obliged to carry out any Instructions until and unless the relevant Junior Account has sufficient funds.
8.8 Any Instructions transmitted or received by HLB/HLISB after the relevant cut-off processing time on any Business Day will be treated as given and processed on the next Business Day. The cut-off time for processing Instructions and transactions is stated on the HLB/HLISB’s website, and may be varied by HLB/HLISB from time to time after giving prior notice to you.
9.1 HLB/HLISB reserves the right to suspend, deny or terminate the Customer's access to Pocket Connect or any part of the Services without being obliged to provide any written notice of the reason for the same if HLB/HLISB has detected potential unauthorised access to Pocket Connect and/or the Services or if the Customer's access to you/your child access to Pocket Connect is suspected to be inconsistent with any law or any rules or regulations which HLB/HLISB is subject to. HLB/HLISB will inform you of such suspension or blockage as soon as practicable, subject to any legal and/or regulatory restrictions.
9.2 HLB/HLISB will automatically terminate the Customer's Pocket Connect account when the Customer no longer maintains any Junior Account with HLB/HLISB which can be accessed through Pocket Connect.
You warrant that all the information you provide to HLB/HLISB with for the purpose of registering Pocket Connect for your child is true, complete and current.
You agree that you/your child shall take all precautions to ensure and prevent unauthorised and fraudulent use of the Pocket Connect account or any part of Pocket Connect using measures including but not limited to the following:
You are to read and ensure that you/your child understand the Pocket Connect FAQ before you/your child usage of Pocket Connect by you/your child. You/your child should not use Pocket Connect in the presence of any other person.
You are to regularly check and carefully monitor the Customer's Junior Account and check the balances. You are to immediately inform HLB/HLISB of any inaccuracy or irregularity in any of the Customer's Junior Account.
Your child will be able to create a Nickname and upload a profile photo to customise his/her Pocket Connect account. In doing so, you shall ensure that the Nickname and profile picture uploaded shall not:
11.1 We provide no warranty, whether expressly or implied, of any kind in relation to Pocket Connect, including but not limited to any implied warranties or implied terms of satisfactory quality, fitness for a particular purpose or non-infringement. All such implied terms and warranties are hereby excluded.
11.2 HLB/HLISB does not warrant that the Customer's access to Pocket Connect and/or the Services, or its content, will be delivered uninterrupted or error-free, or that the Services will be free from viruses or other harmful properties.
11.3 While HLB/HLISB has taken every measure we can to prevent Internet fraud and to ensure that any data collected from the Customer is kept safe and secure, in the extremely unlikely event of a breach in HLB/HLISB's secure computer servers, HLB/HLISB cannot be held liable.
11.4 Under no circumstances will HLB/HLISB be held liable for any direct, indirect, incidental or other kind of loss or injury resulting from the Customer's use, or downloading of any content on Pocket Connect and/or the Services.
11.5 HLB/HLISB shall not be responsible for any fraudulent or unauthorised instructions, or any loss (including consequential loss), damage or liability whatsoever suffered and/or incurred by the Customer in the event that:
11.6 HLB/HLISB reserves the right to institute legal action and/or any other proceedings HLB/HLISB deems necessary including lodging such reports as appropriate or necessary with the relevant regulatory authorities, against you if you delay, obstruct and/or withhold vital information from HLB/HLISB, making or attempting to make false claims in respect of any transaction, publish false claims on traditional or social media, and/or lodge false police reports with respect to any transaction.
12.1 HLB/HLISB is committed to protecting the Customer’s privacy. The Privacy Notice sets out how we will use the Customer’s Personal Data. When the Customer submits Personal Data, you are giving your consent to the collection, use and disclosure of the Customer’s Personal Data as set forth in HLB/HLISB’s Privacy Notice at www.hlb.com.my/privacynotice.
13.1 HLB/HLISB reserves the right at all times to vary, modify, delete or add to these Terms and Conditions by giving you prior notice and such variations, modifications, deletions or additions shall take effect upon the date specified by HLB/HLISB in such notice. In the event you are not agreeable to such variation, modification, deletion or addition to these Terms and Conditions, the Customer may discontinue the service immediately. The Customer's continued access and/or use of the relevant Service shall be deemed as your agreement and binding acceptance of the same.
14.1 The Services may provide links to third party services or may reference third party services and/or educational resources for you to access at your own discretion. Please note that access to the content of any third party websites or resources may be subject to terms and conditions imposed by the owner of that content which you should review before interacting via such websites or providing such third parties with information about yourself. HLB/HLISB does not endorse or accept any responsibility for the content of any third party websites and/or educational resources.
15.1 The copyright in relation to the Pocket Connect and the Pocket Connect Parent Portal is owned by HLB/HLISB. No part or parts hereof may be reproduced, distributed, republished, displayed, broadcast, hyperlinked, framed or transmitted in any manner or by any means or stored in an information retrieval system without the prior written permission of HLB/HLISB save as provided in these Terms and Conditions. You also may not, without HLB/HLISB's permission, insert a hyperlink to this website on any other website, frame or "mirror" any material contained on Pocket Connect and the Pocket Connect Parent Portal on any other server.
15.2 All text, graphics, images, art, photos, video or other multimedia work or any combination thereof available on Pocket Connect and the Pocket Connect Parent Portal are at all times protected by copyright, trademarks and service marks and any other applicable intellectual property or proprietary rights, all of which are the property of HLB/HLISB and where applicable, third party proprietors. No right or licence is given to any party accessing Pocket Connect and the Pocket Connect Parent Portal to download, reproduce or use any such content. No trade mark or service mark displayed on Pocket Connect and the Pocket Connect Parent Portal may be used as a link to any other site unless establishment of such a link and use of such trade mark or service mark is approved in advance by HLB/HLISB in writing.
16.1 If you have a Connect account, any notices required to be given in respect of Pocket Connect by HLB/HLISB to you, or if you wish to send any notices to HLB/HLISB, it shall be given in accordance with the terms and conditions of Connect.
16.2 If you do not have a Connect account, any notices required to be given in respect of Pocket Connect by HLB/HLISB to you may be given in any of the following manner as deemed suitable by HLB/HLISB;
16.3 If you do not have a Connect account and you wish to send any notices (except Instructions) to HLB/HLISB, it may be given via the method listed under Clause 20.2 ("Approved Communication Channel").
16.4 You shall promptly inform HLB/HLISB of any changes to your personal details, your mobile numbers or your electronic mail, correspondence and/or residential address in writing or via an Approved Communication Channel.
17.1 These Terms and Conditions will continue to be valid and binding for all purposes, despite a change in HLB/HLISB constitution including by amalgamation, reconstruction, consolidation, merger or otherwise.
18.1 If any provision herein is or becomes illegal, invalid, prohibited or unenforceable under any applicable laws, the remaining provisions which remains in full force and effect shall not be invalidated.
18.2 If HLB/HLISB fail, at any time during the term of a contract, to insist upon strict performance of any of Your/your child’s obligations under any of these Terms and Conditions, or if HLB/HLISB fail to exercise any of the rights or remedies to which it is entitled under these Terms and Conditions, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
18.3 A waiver by HLB/HLISB of any default shall not constitute a waiver of any subsequent default.
18.4 No waiver by HLB/HLISB of any of these Terms and Conditions shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing.
19.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia and you agree to submit to the exclusive jurisdiction of the Courts of Malaysia.
20.1 If you have any queries or require any assistance to these Terms and Conditions or HLB Connect, please refer to HLB/HLISB’s Contact Centre at 03-7626 8899.
20.2 In the event you have any complaints or disputes, please specify the nature of your complaint or dispute and refer the matter via: