Terms & Conditions
Rural Bank of Tandag (SDS) Inc.
Effective Date: May 13, 2026
These Terms and Conditions ("Terms") govern your access to and use of the Rural Bank of Tandag (SDS) Inc. ("Rural Bank of Tandag," "Bank," "we," "our," or "us") website and mobile banking application (collectively, the "Services").
By accessing or using our website or registering for and using the Rural Bank of Tandag Mobile Banking App, you acknowledge that you have read, understood, and agree to be bound by these Terms and any applicable laws, regulations, policies, and service rules of the Bank.
1. WEBSITE TERMS
1.1 Website Purpose
The Rural Bank of Tandag website is primarily provided for informational purposes, including information about the Bank, its products and services, announcements, contact information, and other banking-related information.
The website does not itself provide online banking or financial transaction services unless expressly indicated by the Bank through an authorized and secure channel.
Banking transactions must be conducted through the Bank's authorized channels, including the Rural Bank of Tandag Mobile Banking App, physical branches, and other officially authorized banking channels.
1.2 Intellectual Property
All content available on the website, including text, graphics, logos, photographs, images, documents, designs, and other materials, is owned by or licensed to Rural Bank of Tandag (SDS) Inc. and is protected by applicable copyright, trademark, and intellectual property laws.
You may not reproduce, distribute, modify, transmit, publish, or commercially exploit website content without the prior written authorization of the Bank, except where permitted by applicable law.
1.3 User Conduct
You agree not to:
Use the website for unlawful or fraudulent purposes;
Attempt to gain unauthorized access to restricted areas, systems, or information;
Interfere with or disrupt the operation or security of the website;
Introduce malicious code, viruses, or other harmful materials;
Submit false, misleading, fraudulent, or harmful information; or
Use the website in any manner that may violate applicable laws or regulations.
1.4 External Links
The website may contain links to third-party websites or services for convenience or informational purposes.
The Bank does not control and is not responsible for the content, availability, security, or privacy practices of third-party websites. The inclusion of an external link does not necessarily constitute an endorsement or recommendation by the Bank.
1.5 Website Availability and Information
The Bank makes reasonable efforts to maintain the availability and accuracy of information on the website. However, information may occasionally be incomplete, outdated, unavailable, or subject to change.
The website may be temporarily unavailable due to maintenance, technical problems, telecommunications or internet service interruptions, power interruptions, security measures, or circumstances beyond the Bank's reasonable control.
1.6 Limitation of Liability
To the fullest extent permitted by applicable law, Rural Bank of Tandag (SDS) Inc. shall not be liable for losses or damages arising from the use of, or inability to use, the website, including interruptions, technical errors, third-party services, internet connectivity issues, or reliance on general informational content provided through the website.
Nothing in these Terms shall be interpreted as excluding or limiting any liability or obligation that cannot lawfully be excluded or limited under applicable Philippine laws and regulations.
1.7 Changes to Website Terms
The Bank reserves the right to modify these Terms from time to time. Changes will be posted on this page together with the revised effective date.
Your continued use of the website after changes are posted constitutes your acknowledgment of the updated Terms.
2. MOBILE BANKING APP TERMS
2.1 Use of the Mobile Banking App
By registering for and using the Rural Bank of Tandag Mobile Banking App ("App"), you enter into an agreement with the Bank governing your use of the Bank's mobile banking services.
You agree to provide true, complete, and accurate information and to keep your information updated when necessary.
The Bank reserves the right to approve, reject, suspend, restrict, or terminate access to the App or any banking service in accordance with applicable laws, regulations, Bank policies, and security requirements.
2.2 Security of Your Account
You are responsible for keeping your Mobile PIN, password, One-Time Passwords (OTPs), authentication credentials, and other security information strictly confidential.
Confidentiality
Do not disclose your passwords, PINs, OTPs, or authentication codes to anyone.
The Bank will not ask you to disclose your password, Mobile PIN, or OTP through unsolicited calls, text messages, emails, or other communications.
Authorization
Transactions authenticated using the security credentials and authentication mechanisms assigned to your account may be treated by the Bank as authorized by you, subject to applicable laws, regulations, and the Bank's investigation and dispute procedures.
You are responsible for immediately reporting any suspected unauthorized transaction or compromise of your security credentials.
Device Responsibility
You are responsible for maintaining the security of the mobile device used to access the App.
For your protection, you should not use the App on a device that has been rooted, jailbroken, modified, or otherwise compromised.
You should keep your device's operating system and the App updated and use reasonable security measures, including a device lock or other available authentication mechanisms.
2.3 Lost or Stolen Devices and Compromised Credentials
If your mobile device is lost or stolen, or if you believe that your password, PIN, OTP, or other security credentials have been compromised, you must immediately:
Change your password using another secure device, where available; and/or
Contact the Bank at (086) 211-3026 to request assistance and/or temporary blocking of your mobile banking access.
The Bank will take reasonable steps to respond to reported security incidents in accordance with its applicable procedures.
You should report suspected unauthorized transactions as soon as possible so that the Bank can investigate and take appropriate action.
2.4 Fund Transfers and Payments
The App may provide fund transfer and payment services, including services through authorized payment networks such as InstaPay and PESONet, subject to the applicable rules, limits, fees, processing schedules, and requirements of the Bank and the relevant payment network.
Transaction Confirmation
You are responsible for carefully reviewing the recipient's account number, name, amount, and other transaction details before confirming a transaction.
Once a transaction has been confirmed and processed, the ability to cancel, reverse, or recover the funds may be limited and shall be subject to the applicable payment network rules and the Bank's procedures.
Processing Times
Transactions may be processed immediately, in batches, or within the applicable processing period depending on the service, payment network, cut-off times, system availability, and receiving institution.
2.5 Bank's Rights and Authorities
To maintain the security, integrity, and proper operation of its banking services, the Bank may, subject to applicable laws and regulations:
Approve, decline, suspend, restrict, or discontinue access to services;
Place restrictions or holds on accounts or transactions where required by law, regulation, court order, or applicable Bank procedures;
Take appropriate action where fraud, unauthorized activity, or other suspicious activity is suspected;
Exercise applicable rights of set-off against deposits or other funds in accordance with law, contract, and applicable banking regulations;
Correct erroneous credits or debits resulting from system errors, processing errors, or technical issues, subject to applicable laws and regulations; and
Amend, suspend, or modify its services and these Terms as necessary to comply with applicable laws, regulations, security requirements, and operational requirements.
2.6 Fees
The Bank may impose applicable fees, charges, or service costs for certain mobile banking transactions and services.
Where applicable, fees will be displayed or communicated through the App or other authorized Bank channels before the transaction is completed.
Applicable fees may be changed in accordance with Bank policies and applicable regulations.
2.7 Service Interruptions
The Bank aims to provide reliable mobile banking services but does not guarantee uninterrupted or error-free availability.
The App or particular services may become temporarily unavailable because of:
Scheduled system maintenance;
Emergency maintenance;
Internet or telecommunications interruptions;
Power interruptions;
Technical failures;
Third-party service or payment network interruptions;
Security measures;
Government actions;
Natural disasters; or
Other circumstances beyond the Bank's reasonable control.
2.8 Limitation of Liability
To the fullest extent permitted by applicable law, the Bank shall not be liable for losses or delays resulting from circumstances outside its reasonable control, including user errors, internet or telecommunications failures, power interruptions, third-party service interruptions, payment network issues, system maintenance, or force majeure events.
This provision does not limit any rights or remedies available to customers under applicable Philippine laws, regulations, banking rules, consumer protection requirements, or the Bank's applicable dispute-resolution procedures.
2.9 Complaints and Transaction Concerns
For questions, complaints, suspected unauthorized transactions, or other concerns relating to the Mobile Banking App, please contact the Bank through its official contact channels:
Telephone: (086) 211-3026
Customers should report suspected unauthorized transactions or security incidents as soon as possible.
2.10 Regulatory Compliance
The Bank operates in accordance with applicable Philippine laws and regulations and is subject to the supervision and regulatory framework applicable to rural banks, including regulations issued by the Bangko Sentral ng Pilipinas (BSP).
For more information regarding BSP, visit the official BSP website:
3. GENERAL PROVISIONS
3.1 Compliance with Philippine Law
These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines.
Any dispute shall be subject to the applicable jurisdiction of Philippine courts, without prejudice to any mandatory dispute-resolution mechanisms, consumer protection rights, or regulatory procedures available under applicable laws and regulations.
3.2 Changes to These Terms
The Bank may update these Terms when necessary to reflect changes in its services, security measures, laws, regulations, or operational requirements.
The latest version will be made available through the Bank's official website and/or other authorized channels.
3.3 Severability
If any provision of these Terms is determined to be invalid or unenforceable under applicable law, the remaining provisions shall continue to remain in effect to the extent permitted by law.
4. CONTACT INFORMATION
For questions regarding these Terms and Conditions, please contact:
Rural Bank of Tandag (SDS) Inc.
Email: official@rbtph.com
Telephone: (086) 211-3026 / (086) 211-5858
Mobile Banking Concerns: +639-648-762-599
Address: National Highway, Bag-ong Lungsod, Tandag City, Surigao del Sur 8300, Philippines
Last Updated: September 2, 2026