These regulations govern the operation of the Text PIN Service provided by FinecoBank S.p.A. (hereinafter the "Bank") to all of its Clients (hereinafter "Clients" or, in the singular, the "Client" or "You") by way of an additional level of security.
Text PIN Service: this service envisages the generation of a one-time passcode (PIN) that is sent to your registered mobile phone, to be used:
However, the Bank may send the one-time passcode via other existing secure communication channels.
The Text PIN Service (hereinafter the "Service") comprises a Standard Service and Optional Services, as described below.
Standard Service: this service envisages the use of the PIN to confirm transactions for which increased security is required in accordance with European security standards on strong authentication and for any other transactions as determined from time to time by the Bank. The Service is activated automatically when a current account is opened. The complete and up-to-date list of transactions for which the PIN must be entered is displayed in the Text PIN section in the Help area of the finecobank.com website.
Optional Services: these envisage the use of the PIN to confirm the transactions listed below:
You may activate the Optional Services, at your own discretion, by logging in to the secure area of the finecobank.com website and selecting "Manage services" > "Your Fineco passcodes".
In order to activate the Text PIN Service to confirm transactions:
The Bank will automatically activate the Standard Service when you open a current account.
A one-time passcode (PIN) will be sent to your registered mobile phone to be used, with the device PIN, to confirm instructions given online or through the mobile web channel that require a higher level of security.
You must confirm the instruction by entering the PIN within a certain time limit (hereinafter the "Cut-Off Time"), as specified in section 4 below, which will be indicated by the Bank when you give the instruction. If the instruction is not confirmed within the Cut-Off Time it will automatically be cancelled.
In detail, you must:
You may confirm the instruction immediately or later, but always within the Cut-Off Time indicated by the Bank.
If you have not received the PIN, you may:
To activate the Text PIN Optional Services, you must log in to the secure area of the finecobank.com website by entering your user name and password, then:
Once this service has been activated, whenever you enter a transfer order via the online or mobile web channels you must provide the device PIN and then confirm it with the PIN. If your instruction is not confirmed, it will automatically be cancelled.
Bank transfers payable to a registered payee (i.e., confirmed by entering the PIN) may be confirmed by entering the device PIN only, even when the "Bank Transfer Text PIN" Service has been activated.
To order bank transfers through the Bank's website, you must:
If you have not received the PIN, you may:
To order bank transfers from a mobile device you must:
If you have not received the PIN, contact the Call Centre.
Once this service has been activated, you will be able to register a new payee for the online phone top-up service by entering the device PIN and then entering the text PIN to confirm it.
To register a new mobile phone number for the online top-up service:
If you have not received the PIN, you may:
In accordance with the Operational Handbook of the Accredited Certifying Body In.Te.S.A. S.p.A. for remote signature procedures with regard to the services provided by FINECO (UniCredit Group Bank)" (hereinafter the "Operational Handbook"), the Electronic Signature Text PIN Service allows you (i) to request the Electronic Signature Qualified Certificate and, once that has been obtained, (ii) to sign documents and contracts in connection with products or services offered by the Bank electronically, and (iii) to request the suspension, revocation or re-activation of the Qualified Certificate.
i. How to request the Qualified Certificate.
Once the Bank has identified you, in accordance with the Operational Handbook, you may activate the procedure to create your Electronic Signature Qualified Certificate in the specific "electronic signature" section of the secure area of the finecobank.com website or at the time of signing a contract where this type of signature is accepted.
To request an electronic signature certificate
When you have completed the above steps, enter the device PIN and wait for the text message with the PIN to be sent to your mobile phone.
Next, confirm the transaction online by entering the passcode you received to start the procedure for generating the keys and certificate request.
During the registration of your Certificate Holder's data the Certifying Body will also create your unique Certificate Holder's ID.
You may confirm the instruction immediately or later, but always within the Cut-Off Time as specified in section 5 below. If the instruction is not confirmed within the aforesaid time limit, it will be deemed null and no certificate will be issued.
If you do not receive the PIN, you may ask for it to be sent again, using the "Haven't you received the text?" link in the area where you should have entered the code number. You may submit up to three requests for the passcode to be sent again.
ii. How to sign documents and contracts electronically
Once you have obtained a Qualified Certificate, follow this procedure to sign documents electronically:
iii. How to request the suspension, revocation or re-activation of your Qualified Certificate To suspend, revoke or re-activate a Qualified Certificate that has already been created, proceed as follows:
You must keep the selected security questions and related answers secret, and not keep them or write them down with any of your personal passcodes (user name, password and device PIN). You will be held responsible for any adverse consequences that may arise as a result of the unlawful use of the security questions by third parties following the disclosure, loss or theft thereof.
If your security questions have been lost or stolen, you must change them immediately following the procedures set forth in section 2 above. If you are unable to change your security questions, you must ask the Bank to block the password and device PIN number and generate new ones.
The Service is free of charge. However, the cost of any text messages sent by you pursuant to the provisions of point 4.1.2 above are to be borne by you.
The Bank cannot be held liable for non-performance or incorrect performance of the Service due to force majeure events, for reasons attributable to third parties, or inefficiency on the part of your mobile phone service provider.
The Service is of an entirely ancillary nature with respect to the current account contract to which it is related. The Bank therefore reserves the right to modify the Service, pursuant to the Bank's Standard Form Contract - Part II A - art. 3 - entitled "User Name, Password and PIN" - paragraph 3, or to temporarily or permanently suspend said Service at any time. The Bank may also amend or supplement these regulations at any time.
You will receive adequate notification of any such suspension or amendments, which may also be published on the Bank's website (finecobank.com).