Chat with Erica

1.RCBC CREDIT CARDS CHATBOT
By using Erica, the Client, confirms that the Terms and Conditions have been read and understood, and agrees to be unconditionally bound by these Terms and Conditions.

a. “RCBC” refers to Rizal Commercial Banking Corporation, a universal bank engaged in traditional banking, investment banking, retail financing (including auto loans, mortgage/housing loans, credit cards, and microfinance loans), remittance, leasing, foreign exchange and stock brokering.
b. “Credit Card” refers to RCBC Mastercard, RCBC VISA, RCBC JCB, and RCBC UnionPay Credit Card issued by RCBC.
c. "CLIENT” refers to all users of Erica. 
d. “RCBC Credit Cardholder” refers to the individual whose name embossed on the Credit Card.
e. “Erica” refers RCBC’s Credit Card Chatbot, accessible through RCBC’s Credit Cards website and RCBC Credit Cards Facebook page.

2.USE OF ERICA
a. Erica can be accessed through the following platforms: 

i. RCBC Credit Cards website (https://rcbccredit.com) by clicking the “Chat with Erica” icon at the bottom right corner of the page; or
ii. RCBC Credit Cards Facebook Page or Messenger (https://www.facebook.com/RCBCCredit).

b. In order to initiate transactions with Erica, the Client will undergo an authentication process each time they access their account. Only active RCBC Credit Cardholders are permitted to use the transactional features of Erica.

c. Clients will be able to use Erica for the following transactions: 

i. Apply Now: The Client shall be redirected to the RCBC Credit Cards online card application website to apply for a new card or continue a saved card application.
ii. Card Application Status: The CLIENT will need to provide the application reference number sent via SMS to inquire about the status of their card application.
iii. Activate Credit Card: To activate a Credit Card, a One Time Pin (“OTP”) will be sent to the registered mobile number of the principal Cardholder for activation of principal or supplementary account.
iv. Credit Card Services: The CLIENT can request or inquire about the following services, which may require an OTP verification to proceed.

• Balance Inquiry: The system will provide the balance as of the most recent batch process or statement date.
• Reverse Annual Membership Fee: A request for reversal of Annual Membership Fee may be requested but is subject to approval. Requests for reversal of the Monthly Membership Fee are not allowed.
• Check Card Delivery Status: For renewal or replacement of credit cards, the Client may inquire about the delivery status
• Get Cash or Convert to Installment: The Client can inquire about how to avail of these card benefits.
• Rewards Redemption: Clients can inquire about redeeming rewards earned.
• Unlipay: The Client can inquire about how to avail of the Unlipay benefit.
• Travelling Abroad: The CLIENT can get instructions on providing Travel Advisory, accessing free Travel Insurance, or using a PIN for their credit abroad.

d. View Promotions: The CLIENT will be redirected to the RCBC Credit Cards promotion page.

e. For transactions or concerns that cannot be resolved by Erica, the Client will be connected to a live chat agent for further assistance via the “Other Services” menu. Note that access to a live chat agent is limited to these requests:

i. Report lost/ compromised card;
 ii. Request for Cash Advance PIN;
 iii. Update contact details;
 iv. Request for a supplementary card; and
 v. Increase credit limit

For other concerns, the Client can call the hotline at (02)8888-1888 (for Gold, Classic and Co-branded cards) or (02)8888-1883 for Premium Cards (World, Infinite, Platinum, Hexagon Club and Zalora) or via email at email@service.rcbcbankard.com.

The General Terms and Conditions still apply to any issuance or use of the RCBC Credit Cards.

3. CLIENT'S RESPONSIBILITIES 
a. The Client shall be responsible for all actions and consequences arising from or in connection with the use of Erica, such as but not limited to, all transactions processed through Erica whether or not such transactions were made with the Client's knowledge or authority.

b. The Client undertakes and warrants that his/her use of Erica does not and will not violate the applicable provisions of the rules of the Bangko Sentral ng Pilipinas, Anti-Money Laundering Act, its amendments and other pertinent laws, government rules or regulations.

c. The Client shall ensure that the email address and/or mobile phone number declared and maintained in RCBC’s records are active, valid and up to date, as these will be the primary channels for all enrollment, password-related information, and other online correspondences sent by RCBC. The Client shall be solely liable for any erroneous transactions arising from the provision of incorrect or outdated information.

Any update in Client information in RCBC’s records may be made by calling RCBC Customer Service at (02)8888-1888 (for Gold, Classic and Co-branded cards) or (02)8888-1883 for Premium Cards (World, Infinite, Platinum, Hexagon Club and Zalora).

d. The Client acknowledges that the Credit Card number, OTP, and any other credentials or information required to access transactions from Erica, (“Security Information”) are confidential and unique to the Client. The Client agrees to keep all Security Information strictly confidential, to exercise reasonable care and reasonable care and diligence in safeguarding the same, and to refrain from disclosing such information to any third party. The Client accepts full responsibility for any transaction processed through Erica using his/her Security Information.

e. The Client acknowledges and agrees that any disclosure of account information resulting from or related to the Client’s access or use of Erica shall not be considered a violation by RCBC of the Secrecy of Bank Deposits Law. Accordingly, such disclosure cannot serve as a basis for any claim or legal action against RCBC.

f. The CLIENT agrees to immediately notify RCBC of any failure or delay in the execution of instructions or transactions made through Erica.

4. LIMITATION OF LIABILITY
a. The Client acknowledges that using the internet involves inherent security risks, including the possibility of an unauthorized access by third parties to the Client's computer systems, networks and any and all information stored therein. All information transmitted and received through the internet is vulnerable to unauthorized interception, diversion, corruption, loss, access, and disclosure. RCBC shall not be liable for any adverse consequences resulting from the Client's use or connection to the internet, including any violation of any law, rule, or regulation or infringement of the intellectual property rights by third parties.

b. The Client agrees to hold RCBC and/or any of its directors, officers, employees or representatives free and harmless, from any and all claims, suits, damages, costs, liabilities, charges, obligations or expenses of any kind, and shall indemnify them upon demand for all losses, damages and expenses they may suffer or incur, arising from or in connection with the Client's violation of its undertakings and warranties herein or from the use of Erica, unless such losses, damages and expenses are due to RCBC’s gross negligence or wilful default.

c. Further, in using Erica, the Client releases RCBC and/or its directors, officers, employees or representatives from any liability, damage, or responsibility to the Client or any other person for:

i. Any interruption, suspension, delay, loss, unavailability of the service, including those caused by maintenance work, network or systems failure, third-party service provider issues, malfunction, power failure, breakdown or inadequacy of equipment or any other causes beyond the reasonable control of RCBC or any law, regulation, government or court order;
ii. Loss or damage that the Client may incur due to fraudulent or unauthorized use of Erica, including but not limited to theft or unauthorized use of the Client’s email or phone, unauthorized disclosure of Security Information, or violation of other security measures, whether or not the Client participated in such activities. This also includes any loss or damage resulting from unauthorized use of Erica or security breaches, account compromises, or unauthorized access on third-party platforms where Erica may be accessed (e.g., Facebook Messenger, etc.).
iii. Inaccurate, incomplete or delayed information received due to disruption or failure of any communication facilities used for Erica;
iv. Improper, unauthorized use of Erica or recklessness or accident in connection thereof;
v. Any loss, consequential, punitive or other damages suffered by the Client arising from use of the Erica or reliance on any information given.

d. Erica has a limited capacity, and it is possible that its replies may not be fully responsive to the Client’s query. In this case, RCBC may connect the Client to a Live Chat agent for the desired purpose. For immediate concerns, such as lost or stolen RCBC Credit Cards, please call RCBC Customer Service at 02)8888-1888 for Gold, Classic and Co-branded cards or (02)8888-1883 for Premium Cards.

5. AMENDMENTS
RCBC reserves the right to modify or update the Terms and Conditions related to Erica at any time, in accordance with applicable notice requirements. The Client is responsible for regularly reviewing this Terms and Conditions, including amendments, which may be posted on RCBC's website or within Erica’s platform.

By continuing to use Erica, the Client is deemed to have accepted the updated Terms and Conditions.

6. PRIVACY POLICY
The Client understands and agrees that RCBC may process the CLIENT's data for purposes that are consistent with the Data Privacy Act of 2012, its implementing rules and regulations, and other issuances of the National Privacy Commission. The CLIENT further agrees and consents to the Data Privacy Notice of RCBC.

7. MISCELLANEOUS
a. RCBC may suspend or withdraw the availability, partially or in full, of Erica, with or without cause, and without need for prior notice or consent from the Client, if RCBC deems it necessary.

b. Each of the provisions of this Terms and Conditions is separate and independent. If any provision is declared to be invalid or unenforceable, the remaining provisions will still remain in effect and unaffected.

c. A failure or delay by RCBC of any right, power or privilege under this Terms and Conditions will not be considered a waiver of that right. Additionally, any partial exercise of a right does not prevent further or additional use of that right, nor does it limit RCBC’s ability to exercise other rights or powers. All rights and remedies provided herein are cumulative, and are not exclusive of any other rights or remedies available to RCBC under this Terms and Conditions or by law.

d. Customer Concerns: For any clarifications, concerns, or complaints in using Erica, please contact the RCBC Customer Service at (02)8888-1888 for Gold, Classic and Co-branded cards or (02)8888-1883 for Premium Cards. RCBC may require the Client to submit their concern or compliant in writing via email at email@service.rcbcbankard.com within twenty four (24) hours.