. Do not use Personally Identifiable Information (PII) as a password or PIN e.g. Birthdate, NSSF number or address.
. Use a unique password for your BOA-Uganda Internet Banking account, change it regularly, and do not use any part of your email address as a password.
. Protect your online passwords. Don’t write them down or share them with anyone.
. Use secure websites for transactions and shopping. Shop with merchants you trust. Make sure internet purchases are secured with encryption to protect your account. Look for secure transaction signs like a lock symbol in the address bar or lower right-hand corner of your browser or “https” in the address bar.
. Social media is increasingly popular, but it's a good idea to keep certain personal information private. Avoid sharing personal details that are used by financial institutions to identify you, such as your birth date, home address, mother’s maiden name, schools attended and pet’s name. Fraudsters may use this type of information to help gain access to an account since they are common answers to security questions.
. Always carefully review the privacy options for any social network you join. The privacy options and tools for social networks can be complex and should be reviewed carefully so that there is no disclosure of information you meant to remain private.
. Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
. If you receive a suspicious email, do not respond or provide any information. If you have responded to such an email, please contact the Risk Department.
. Use the security functions that come with your device, such as the keypad lock or phone lock function when it is not in use.
. Frequently delete text messages from your financial institution, especially before lending out, discarding, or selling your mobile device.
. Keep your account numbers, passwords, Social Security number and date of birth private. Never share your personal or financial information in a text message, phone call or email.
. Avoid storing your banking password or other sensitive information on your smartphone or in an app where it could be discovered if your phone is stolen.
. When you finish banking on your mobile device or using the BOA-Uganda Mobile wallet app, always log off and not just close the browser or app.
. To ensure the highest level of protection, keep your mobile operating system up to date and do not alter or "jail break" your mobile device. If you have concerns about an update to your mobile device, visit the company’s website to confirm that the update is legitimate.
. Be cautious when using public hotspots. Carefully consider your Wi-Fi and Bluetooth connection settings, even at a trusted retailer, as fraudsters can spoof the name of reputable hotspots.
. Download banking applications from reputable sources only to ensure the safety of your account information. Download the BOA-Uganda app by searching “BOA Mobile Wallet” in your phone’s app store.
. Treat QR codes with the same suspicion as you would any URL or link you find in an email. Much like links in email, QR codes can be used by fraudsters to send you to websites that may request your personal and financial information or could corrupt your mobile device.
. Always keep your ATM card in a safe and secure place. Treat it as you would for cash or cheques. Contact BOA-Uganda via our official communication channels if your card is lost/stolen, or if you suspect unauthorized use.
. Do not keep your PIN together with your ATM card.
. Do not share your card number via email or over the phone, as it is typically not secure.
. Regularly review your account statements as soon as you receive them to verify transactions. Contact BOA-Uganda immediately if you identify any discrepancies.
. If you have forgotten your PIN or would like to select a new one, please visit your nearest BOA-Uganda Branch.
. To protect your account, BOA-Uganda recommends you change your Personal Identification Number (PIN) regularly. When selecting a PIN, don’t use a number that appears in your wallet or purse, such as name, birth date, or phone number. Do not share or write down your PIN.
. Use your Debit/VISA card with merchants you know and trust.
. Make sure any internet purchase is secured with encryption to protect your account information. Look for secure transaction symbols such as a lock symbol in the address bar or lower right-hand corner of your web browser. Also check for “https://…” in the address bar of the website. The “s” indicates "secured" and means the web page uses encryption.
. Always log off from any website after a purchase transaction is made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.
. afe-keep or securely dispose of your transaction receipts.
. Avoid downloading programs from unknown sources.
. Ensure your computer operating system, software; browser version and plug-ins are current. Before downloading an update to your computer program, first go to the company’s website to confirm the update is legitimate and that you understand the changes that it will come with.
. Install a personal firewall on your computer, keep anti-virus software installed and updated.
. Be wary of conducting online banking activities on computers that are shared by others. Public computers should be used with caution. Online banking activities and viewing or downloading documents (statements, etc.) should be conducted, when possible, on a computer you know to be safe and secure.
. Configure your devices to prevent unauthorized users from remotely accessing your devices or home network.
. For example; If you use a home wireless router for your home internet connection, follow the manufacturer’s recommendations to configure the router with appropriate security settings.
. Carry only necessary information with you. Leave unused documentation and ATM cards in a safe place.
. Do not share your Personally Identifiable Information (PII) e.g. your birthday and address unless absolutely necessary.
. Make photocopies (front and back) of vital information you carry regularly and store them in a secure place. Then, if your purse or wallet is lost or stolen, you have contact information and account numbers readily available.
. If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call. Then contact the BOA-Uganda via our contact/feedback channels.
. Never provide payment information on a call that you did not initiate.
. Shred documents containing personal or financial information before discarding. Many fraud and identity theft incidents happen as a result of mail and garbage theft i.e. Dumpster diving
. Review your credit/debit statement at least once a year to look for suspicious or unknown transactions.
In case of any suspected fraud incident, kindly contact us:
Phone: +256 414 302 111
Toll free: 0800 100 140
Phone: +256 414 302 141 or +256 414 302 148
By registering for the BOA Internet Banking Solution and using the related mobile banking products and services, you will be deemed to have read, understood and accepted these Terms and Conditions and as may be amended by us from time to time as will be found at any of our branch locations or on our website www.boauganda.com 1. Interpretation In these Terms and Conditions, unless the context otherwise requires: Account: shall mean your bank account held with us through which our Internet Banking Services shall be availed to you; BOA Internet Banking: shall mean our internet banking services accessed over an internet browser on the computer, mobile phone, tab or any other supporting device; Password: means the secret word or phrase or code you chose to use for accessing the BOA Internet Banking service; We or Us or Our: means the Bank or Bank of Africa - Uganda Ltd or BOA; You or Your: means the holder of a BOA Account registered on Internet Banking. 2. Use of Services a) When you agree to open an Account and use BOA Internet Banking, you must have access to internet on a computer or any supporting mobile device through which you will use our service. b) You shall be required to select a Password during registration for Internet Banking which Password will enable you transact on your account. It is your responsibility to keep this Password confidential and a secret. You are required to authorize all your transactions with your Password as such you shall indemnify the Bank from any loss/damage you suffer from all transactions including unauthorized/erroneous/ wrong/incorrect whether authorized by you or not made using your Password. You will be allowed to enter up to three (3) wrong Password attempts. After the third wrong attempt your Account will be disabled and you should contact us when this happens; c) Any instruction issued using your Password is deemed received only once we acknowledge or confirm receipt via SMS or E-mail. You will not resend any instruction before checking your account statement or contacting us; e) In the event that you believe or know that your Password has been compromised, you should report to any of our branches immediately in writing and we shall block your account as soon as we reasonably can. You will remain responsible and liable for all transactions/losses/damages that occur until your Account is unblocked; f) You agree that you will not engage in any activity that interferes with or disrupts the BOA Internet banking service or networks connected to the Service. To report any activity that may violate these terms please contact our Risk department on telephone +256414302001 or at email@example.com. g) The value and number of Internet Banking transactions may be restricted to maximum limits as may be advised from time to time. 3. Charges We shall apply charges as detailed in our Tariff Guide or those communicated directly to you for using the Internet Banking Service and you hereby authorize us to debit your account to recover any charges due to us. We reserve the right to change our charges from time to time as shall be communicated in our Tariff Guide that can be found at any of our branch locations or on our website www.boauganda.com. 4. Disclosure of Information We may disclose your Account information to our affiliates, third party service providers locally or outside the country or to any governments/ public/ private entity if we are compelled to do so by law or court order. 5. Termination of service and closure of account a) We may terminate, close or suspend activity on your Account i) upon your written request; ii) where the Account becomes and remains inactive for a period that is considered unreasonable by us; iii) where there is suspected illegality, fraud or regulatory noncompliance involving you or your Account; iv)where there is breach of these terms and conditions; v) in order to protect our interests; or vi) upon giving you notice to close your account. 8. Indemnity The parties (You and Us or our staff) agree to hold each other harmless and each party shall indemnify the other against any claims including any third party claims, actions, demands, proceedings, (actual and consequential) suits, losses, damages, costs and expenses arising from or in any way related to your use or us providing services under Internet Banking. 9. Disclaimer of Warranties a) You expressly understand and agree that: Your use of our Internet Banking service is at your sole risk. The services are provided on an “as is” and “as available” basis. The Bank does not warrant that: The services will be uninterrupted, secure or error free; b) You agree that the Bank and its service providers shall not be liable to you for any loss that may result from circumstances beyond our control or arising from your omissions, commissions or errors. 10. General Terms a) The terms and the relationship between you and the Bank shall be governed by the laws of Uganda; b) Our failure to exercise or enforce any of our rights or provisions of the terms and conditions shall not constitute a waiver of such rights or provision. If any provision of the terms is found by a court of competent jurisdiction to be invalid, the other provision of the terms remain in full force and effect; c) In case of default, the bank may set off as against any sums that may be received or payable into or that stand to the credit of your account to recover its fees/charges, expenses or legal fees without notice to you; e) You agree that the bank may send you promotions or notices by post, email, regular mail, SMS, USSD, or postings on the services using the contact details on your registration form and as amended from time to time; f) You agree that the address on your account registration form is your chosen address where notices, and documents in legal proceedings may be served. You must notify us immediately in case of any changes.