8/8/2019 TBS n5 - Uw rechten en plichten als gebruiker van girale en elektronische betalingsdiensten

1/5

:808 JU muu FUJ@ Jzcod| @lumf`|gi!

W ago`a wxl`|g lmmzJzcod| @lumf`|gi)

i 7 :7 mk|mjgz :808

Ng| \dg Jzcod| Vclg acfd| Jzcod| @lumf`|gi mx ezgpwgi|g j`vcv ggi a l`i icg| `f|wgga bwzclcvfd milgzgzx |mg mx ggi ummz milgzigngzv

xz`k|cvfdg gi jzwckj`zg cbrg) Jzcod| @lumf`|gi cv ggi ci Zmgvga`zg $@ffgi| Jwvcigvv X`zk# ogugv|col lumf`|gik`i|mmz ogvxgfc`acvggzl

ci dg| milgzignciovzgfd|) Jzcod| jgv|``| wc| Lczk Fa`zsvvg! Igag Vfdgav|z`g|g! Igag Vgzfw! \mn Lgumalgz gi Jgimc| Lg _calg)

W_ ZGFD\GI GI XACFD\GI @AV OGJZWCKGZ U@I OCZ@AG GI

GAGK\ZMICVFDG JG\@ACIOVLCGIV\GI

Lg |cbl l`| jg|`aciogi dmmelr`kgacbk ci fmi|`i|gi me ng| ``zlgx`xcgzgi ogjgwzlgi! cv $mx gikgag vgf|mzgi i`#

uma|mmcl ugzaglgi |cbl) Dglgil``ovg jg|`aciogi ogjgwzgi jcbi` wc|vawc|gil ocz``a gi-me gagk|zmicvfd) Lg bwzclcvfdg

mnk`lgzcio u`i lgzogacbkg jg|`aciogi mzl| ci Jgaoc ogzgogal lmmz m)n) lg icgwg _g| jg|zgeegilg lg jg|`aciov.

lcgiv|gi $dcgzi` _JL#! lcg mx 0 `xzca u`i lc| b``z ci gzkcio |z`l) Lg _JL zgoga| lcugzvg fmi|z`f|wgag e`fg||gi

``z``i ggi ci Jgaoc ``iogjmlgi jg|`aciovlcgiv| lgik n``z ``i x`xcgzgi me gagk|zmicvfdg mugzvfdzcbuciogi

jcb w eci`ifcag civ|gaacio! jg|`acio uc` J`ifmi|`f|! gagk|zmicvfdg jg|`aciovxa`|emzngi rm`av X`sx`ame rgaev dg| jg.

|`agi u`i ggi x`zkggz|cfkg| xgz VNV nmg| umalmgi) Nz) \mn Lgumalgz acfd| w lgrg icgwg zgogaogucio |mg)

Ummz`eo``il2 |mgacfd|cio u`i lg _JL ciumogauawfd|

Dg| mxrg| u`i lgrg jcblz`og cv mn ci umoga.

uawfd| lg icgwg _JL! gi ci dg| jcbrmilgz

ggi ``i|`a ummz lg $xzmegvvcmigag# ogjzwc.

kgz ci|gzgvv`i|g `vxgf|gi |mg |g acfd|gi) Jcb

lg agf|wwz u`i lgrg jcblz`og r`a w gz `av ag.

rgz gugiga zgkgicio ngg caagi dmwlgi

l`| lg _JL icg| `aaggi ggi mnu`iozcbkg

g| jg|zge| $:7 x`oci`v ci dg| J)V) gi zwcn

48 `z|ckgagi# n``z jmugilcgi ggi bwzclcvfd.

|gfdicvfd fmnxagtg g|2 lg _JL cv lmmz.

vxgk| ng| wc|rmilgzciogi! `ecbknmogacbk.

dglgi! jgxgzkciogi u`i |mgx`vvciovog.jcgl! gir) Ci dg| k`lgz u`i lgrg jcblz`og

k`i icg| mzlgi v|caogv|``i jcb gakg iw`ifg.

zcio me wc|rmilgzcio! gi mzlgi vagfd|v lg

ummzi``nv|g xzcifcxgv |mgogacfd|! ``iog.

uwal ng| umalmgilg jga`iozcbkg wc|rmilg.

zciogi) Cilcgi w ogfmiezmi|ggzl rmw mzlgi

ng| ggi xzmjaggn cir`kg jg|`aciovlcgi.

v|gi! r`a lwv v|gglv fmifzgg| nmg|gi mz.

lgi i`ogo``i me gz oggi wc|rmilgzciogi me

`ecbkgilg zgogav u`i |mgx`vvcio rcbi)

Jg|`aciovlcgiv|gi

Lg _JL ugzu`io| ggi `n`ao``n u`i ec.

i`ifcag g|ogucio lcg ummzdggi ugzvfdca.

agilg vxgf|gi zcvcfmugzlgacio ez`wlg! u`.

aw|`l`|`! ciemzn`|cgugzxacfd|ciogi! gir)

u`i `a l`i icg| gagk|zmicvfdg jg|`aciovlcgi.

v|gi zgogalg)

Lg _JL cv u`i |mgx`vvcio mx rmogi``nlg

jg|`aciovlcgiv|gi) Lg _JL lgecicggz| lgrg

|gzn ``i lg d`il u`i ggi mxvmnncio u`i

lcgiv|gi lcg `av jg|`aciovlcgiv| nmg|gi

mzlgi ogk`acecfggzl) Dg| o``| milgz

nggz mn lcgiv|gi lcg ``i lg jg|`aciov.

lcgiv|ogjzwckgz|mga`|gi mn2

f`vd ogal mx |g igngi u`i gi |g lgxm.

igzgi mx ggi jg|``azgkgicio! `avmmk

mn lgrg jg|``azgkgicio |g jgdgzgi$jcbu) ``i dg| amkg| u`i ggi j`ik! me ``i

ggi jg|``a|gznci a#;

jg|`aciov|z`iv`f|cgv uc` mugzvfdzcbucio

wc| |g umgzgi $rmga ``i dg| amkg|! `av

uc` ggi ciemzn`|cf`vsv|ggn rm`av ggi

miacig j`ikcio`xxacf`|cg#

lmncfcaczciogi gi lmmzamxgilg jg|`.

aciovmxlz`fd|gi |mg |g v|``i;

jg|`aciov|z`iv`f|cgv wc| |g umgzgi uc`

jg|``ak``z|gi me `ilgzg jg|``aciv|zw.

ngi|gi $jcbu) N`gv|zm! Ucv`! N`v|gz.

f`zl! gir)! n``z mmkX`sx`ame jg|`aci.

ogi ng| vn`z|xdmigci fmnjci`|cg ng|

XcioXcio#;

ogal|z`ivegz|gi $rmogi``nlg /nmigs

zgnc||`ifg/! jcbu) uc`_gv|gzi Wicmi#;

jg|`aciov|z`iv`f|cgv wc| |g umgzgi uc`

ggi ciemzn`|cf`. me |gagfmnnwicf`|cg.

vsv|ggn! ``zjcb lg jg|`acio zgfd|.

v|zggkv ogvfdcgl| ``i lg jgdggzlgz

u`i l`| vsv|ggn! lcg mx|zggl| `av |wv.

vgixgzvmmi ummz lg lcgiv|ugzagigz

$jcbu) jg|`acio u`i ggi x`zkggz|cfkg| uc`

VNV $rcg jcbu)

8/8/2019 TBS n5 - Uw rechten en plichten als gebruiker van girale en elektronische betalingsdiensten

2/5

W zgfd|gi gi xacfd|gi av ogjzwckgz u`i ocz`ag gi gagk|zmicvfdg jg|`aciovlcgiv|gi

:808 JU muu FUJ@ Jzcod| @lumf`|gi!

aciogi jcbi` wc|vawc|gil uc` z``nfmi|z`f|gi

ogjgwzgi! rwaagi ci lgrg jcblz`og gikga lg

mx z``nfmi|z`f|gi |mgx`vvgacbkg zgogav

mzlgi |mgogacfd|)

Ciemzn`|cgugzxacfd|ciogi

Dg| ggzv|g lgga u`i lg _JL dgge| jg|zgk.

kcio mx ggi ``i|`a jcbrmilgzg ciemzn`|cg.ugzxacfd|ciogi ci dmmelg u`i lg jg|`aciov.

lcgiv|``ijcglgz) Jcbrmilgz! iw lgrg ci.

emzn`|cgugzxacfd|ciogi jmugimx gugi|wgag

`ilgzg g||gacbkg ciemzn`|cgugzxacfd|ciogi

kmngi $jcbu) _g| Fmivwngi|gikzglcg|! _g|

N`zk|xz`k|cbkgi! gir)#! lcg gugiggiv i`og.

aggel nmg|gi mzlgi) Lg _JL ago| ``i jg.

|`aciovlcgiv|``ijcglgzv rmga ciemzn`|cg.

ugzxacfd|ciogi mx ummz`eo``il ``i dg| vawc.

|gi u`i ggi z``nmugzggikmnv|! `av uz

gi i lg wc|umgzcio u`i ggi jg|`aciov|z`iv.

`f|cg)

Ummzggzv| nmg| lg ``ijcglgz! ummz`eo``il

``i dg| vawc|gi u`i ggi z``nfmi|z`f|! ``i

lg k`ilcl``|.ogjzwckgz `aag g||gacbkg gi zg.

agu`i|g ciemzn`|cg ngglgagi) Lc| lcgi| |g

ogjgwzgi mx ggi lwwzr`ng lz`ogz$c)g) x`.

xcgz! n``z jcbu) mmk ggi `elzwkj``z lcoc|``a

lmfwngi| l`| ``i lcg ugzgcv|gi umalmg|!

rm`avXLE#! lcg lg ``ijcglgz ``i lg k`i.

lcl``|.ogjzwckgz vxmi|``i gi rgaev jwc|gi

lcgiv ugzrmgk mugzn``k|) Cilcgi dg| z``n.

fmi|z`f| mx `ev|`il mzl| ogvam|gi jcbu)

dg| mxgigi u`i ggi `ffmwi| jcb X`sx`a

nmg| lg jg|`aciovlcgiv|``ijcglgz mincl.

lgaacbk i` dg| evawc|gi u`i lg mugzggikmnv|

dcgz``i umalmgi)

@z|ckga 0< _JL jgu`| ggi `vacbv| ``i og.

ogugiv lcg ggi ``ijcglgz ncicn``a ``i lg

k`ilcl``|.ogjzwckgz nmg| ngglgagi) Dg|

jg|zge| ci ozm|g acbigi2

vxgfcecgkg clgi|c|gc|vogogugiv;

ggi jgvfdzcbucio u`i lg kgingzkgi u`i

lg lcgiv|;

lg lcugzvg jgvfdckj`zg jg|`aciovxzmfg.

lwzgv gi lg wc|umgzciov|gzncbigi $rcg

dcgzi`#; lg ugzlgacio u`i lg kmv|gi $rcg dcgzi`#;

lg gugi|wgag u`i |mgx`vvcio rcbilg zgi.

|gumg|$gi#;

jgx`aciogi cir`kg fmnnwicf`|cg |wvvgi

ogjzwckgz gi `ijcglgz

zcfd|acbigi gi ugzxacfd|ciogi cir`kg ugc.

aco ogjzwck u`i ggi jg|``ancllga gi lg

|g umaogi v|`xxgi jcb ugzacgv me ez`wlg

lg ugzlgacio u`i lg ``ivxz`kgacbkdgcl

ci ogu`a u`i ez`wlg gi emw|cgug wc|umg.

zcio $rcg dcgzi`#;

lg n`icgzgi u`i cbrcocio gi mxrgo.

ocio u`i dg| fmi|z`f| $rcg dcgzi`#;

Ggi wc|ogjzgclg jgvxzgkcio u`i lgrg ci.

emzn`|cgugzxacfd|ciogi aco| jwc|gi dg| mxrg|

u`i lgrg jcblz`og) _ga mzlgi lg zgfd|gi

gi xacfd|gi ``zmx lg jga`iozcbkv|g ciemz.

n`|cgugzxacfd|ciogi jg|zgkkcio dgjjgi

dcgzi` |mgogacfd|)

Mmk uz gi i wc|umgzcio u`i ggi jg|`.

aciovmxlz`fd| dgge| lg ogjzwckgz dg| zgfd|

mx lwclgacbkg ciemzn`|cg) Uz lg wc|umgzcio

nmg| mx ugzrmgk u`i lg ogjzwckgz lg imlc.

og ciem mzlgi ogogugi mn|zgi| lg wc|umg.

zciov|gzncbi gi lg ``i lg |z`iv`f|cg ugz.

jmilgi kmv|gi) I lg wc|umgzcio nmg| lg

``ijcglgz lg ogjzwckgz v|gglv ci kgiicv

v|gaagi u`i dg| geegf|cge oglgjc|ggzlg jg.

lz`o! lg ugzvfdwalcolg kmv|gi! lg gugi|wg.

ag cvvgakmgzv gi lg u`aw|`l`|wn)

I``v| v|z`ev`if|cgv ci dmmelg u`i lg jg|`.

aciovlcgiv|``ijcglgz! ummzrcg| lg _JL

gugiggiv ci ggi |gg|`a $jgxgzk|g# jwzogz.

acbkg v`if|cgv cilcgi lg jg|`aciovlcgiv|``i.

jcglgz rcbi g||gacbkg ciemzn`|cgugzxacfd|ci.

ogi ncvkgi|2 ci vmnncog ogu`aagi r`a lg

ogjzwckgz icg| ``ivxz`kgacbk kwiigi mzlgiogv|gal ummz ez`wlwagwrg |z`iv`f|cgv ng|

rcbi jg|``aciv|zwngi|! gi ci `ilgzg ogu`aagi

r`a lg ogjzwckgz lg z``nmugzggikmnv|

mincllgaacbk gi rmilgz jmg|g kwiigi mx.

rgoogi) Dcgzjcb cv dg| icg| rmilgz jga`io

l`| lg jg|`aciovlcgiv|``ijcglgz! ci ogu`a

u`i ggi ogvfdca! nmg| jgcbrgi l`| dcb ``i

rcbi ugzxacfd|ciogi dgge| umal``i)

_cbrcociogi gi mxrgoocio u`i dg| z``n.

fmi|z`f|

Dg| cv ggi jg|`aciovlcgiv|``ijcglgz |mgog.

v|``i mn ggircblco dg| z``nfmi|z`f| |g cb.

rcogi) _ga k`i lg ogjzwckgz lgvogu`aagil

jciigi ggi |gzncbi u`i |gg n``ilgi rcbi

z``nfmi|z`f| mincllgaacbk gi kmv|gammv jg.

gcilcogi) Lgrg a``|v|g nmogacbkdgcl nmg| ci

lg z``nmugzggikmnv| ga gtxacfcg| mzlgi

jglmiogi)

Dmg l`i mmk k`i lg jg|`aciovlcgiv|ogjzwc.

kgz dg| z``nfmi|z`f| |g `aagi |cblg kmv|gammv

mxrgoogi) Ci dg| z``nfmi|z`f| k`i ga ggi

mxrgoociov|gzncbi mzlgi jglmiogi! lcg

gugiga n`tcn``a i n``il n`o jglz`.

ogi) Cilcgi rwakv ci dg| z``nfmi|z`f| cv

mugzggiogkmngi! k`i mmk lg ``ijcglgz

mugz ggi mxrgoociovzgfd| jgvfdckkgi) Lg

lmmz lg ``ijcglgz i` |g agugi mxrgoociov.

|gzncbi lcgi| l`i ncicn``a : n``ilgi |g

jglz`ogi) Jcb ggi ugzuzmgolg jgcilcocio

nmg|gi gugi|wgag kmv|gi ugzjmilgi ``i

lg ogim|gi jg|`aciovlcgiv| lmmz lg ``i.

jcglgz ugzxacfd| i``z gugizglcodgcl mzlgi

``iogzgkgil $me lgvogu`aagil |gzwojg.

|``al#)

Ciemzn`|cgugzxacfd|ciogi ``i gi mxrgo.

ocio lmmz xzmegvvcmigagi

@z|) :? _JL jcgl| ``i lg jg|`aciovlcgiv|.

``ijcglgz! |gi ``ircgi u`i lg xzmegvvcmig.

ag ogjzwckgz! lg nmogacbkdgcl mn mugzggi |g

kmngi l`| lg rmig| |mgogacfd|g ciemzn`|cg.

ugzxacfd|ciogi ogdgga me |gi lgag icg| u`i

|mgx`vvcio rmwlgi rcbi) Nglg ogrcgi dg| ci

ozm|g acbigi xzgfmi|z`f|wgag ciemzn`|cgugz.

xacfd|ciogi jg|zge|! lmg| lg jg|`aciovlcgiv|.

``ijcglgz gz lgvogu`aagil omgl ``i mn!

ummz`eo``il ``i dg| milgzd`ilgagi mugz

me vawc|gi u`i dg| z``nfmi|z`f|! lg xzmegv.

vcmigag ogjzwckgz ggi lmfwngi| |g a`|gi |g.

kgigi ``zjcb dcb gtxacfcg| ``i lcg jg.

vfdgzncio `ev|`il lmg|) _`i| ggi `ev|`il

ci dg| z``nfmi|z`f| rgae mn ummz`eo``il

``i dg| z``nfmi|z`f| jgx``alg ciemzn`|cg

|g mi|u`iogi! cv guclgi| mi|cblco)

Mmk k`i lg jg|`aciovlcgiv|``ijcglgz jcb

fmi|z`f|gi ng| xzmegvvcmigagi lg dmogz

wc|ggiogrg||g cbrcociov. gi mxrgoociov.

nmogacbkdglgi fmi|z`f|wgga wc|vawc|gi)

Gikgag ugzxacfd|ciogi ci dmmelg u`i lg

jg|`aciovlcgiv|ogjzwckgz

Lg _JL kgi| lg jg|`aciovlcgiv|ogjzwckgz

icg| `aaggi lcugzvg zgfd|gi |mg! n``z ago|

dgn gugiggiv ggi ``i|`a ugzxacfd|ciogi

mx) Lgrg xacfd|gi nmg|gi mzlgi ogk`lgzl

ci lg ugzzgo``ilg jgvfdgzncio lcg lg og.

jzwckgz ogicg| jcb icg|.|mgogv|`ig jg|`aciov.

|z`iv`f|cgv $jcbu) i` lcgev|`a me ugzacgv u`i

ggi kzglcg|k``z|! rcg wc|ogjzgcl dcgzi`#! gi

rcbi icg| `aaggi jglmgal mn `a |g `zogammv

ogjzwck u`i lg jg|`aciovlcgiv| |g ugzncblgi

n``z lgv |g nggz mn |g ummzrcgi ci v|zck|g

ngalciovngfd`icvngi i``z lg jg|`aciov.

lcgiv|``ijcglgzv |mg! |gigcilg dgi |mg |g

a`|gi lg imlcog v|`xxgi |g igngi $jcbu)

jamkkgzcio u`i dg| jg|`aciovciv|zwngi|#)

_`| ummzggzv| dg| ogjzwck u`i ggi jg|``aci.

v|zwngi| jg|zge| $j`ikk``z|! kzglcg|k``z|!

n``z mmk jcbu) dg| ugzacgv u`i ggi vn`z|.

xdmig cilcgi l``zmx ggi jg|``avsv|ggn cv

ogiv|`aaggzl# jgx``a| lg _JL l`| gakg og.

jzwckgz lg jg|`aciovlcgiv|``ijcglgz mi.

ugzcbal ci kgiicv nmg| v|gaagi `iiggz dcb

zgkgivfd`x ogge| u`i dg| ugzacgv! lg lcge.

v|`a me mizgfd|n`|co ogjzwck u`i dg| jg|``a.

civ|zwngi| $dcgzi`2 ngalciovxacfd| #) Lg

jg|`aciovlcgiv|``ijcglgz dgge| l``zjcb lg

g||gacbkg ugzxacfd|cio mn lg imlcog ncllg.

agi |gz jgvfdckkcio u`i lg ogjzwckgz |g v|ga.

agi mn |g `aagi |cblg rwakg ngalcio |g kwi.

igi ugzzcfd|gi $jcbu) F`zl V|mx#) Jcgl| lg

``ijcglgz lgzogacbkg ncllgagi icg| ``i! l`i

jzgio| lc| rcbi mijgxgzk|g ``ivxz`kgacbkdgcl

ci dg| oglz`io)

L``zi``v| nmg| lg ogjzwckgz `aag zglgacbkg

n``|zgogagi igngi mn lg ugcacodgcl u`i

dg| jg|``aciv|zwngi| gi lg ogxgzvmi`ac.

vggzlg ugcacodgclvkgingzkgi gzu`i |g``zjmzogi$dcgzi`2 ``zjmzoxacfd|#) Dg|

jcbdmwlgi u`i ggi jzcgebg ng| xcifmlg v`.

ngi ng| ggi j`ikk``z| umzn| jcbummzjggal

http://nl.wikipedia.org/wiki/Portable_Document_Formathttp://nl.wikipedia.org/wiki/Portable_Document_Formathttp://nl.wikipedia.org/wiki/Portable_Document_Formathttp://www.cardstop.be/http://www.cardstop.be/http://www.cardstop.be/http://nl.wikipedia.org/wiki/Portable_Document_Format

8/8/2019 TBS n5 - Uw rechten en plichten als gebruiker van girale en elektronische betalingsdiensten

3/5

W zgfd|gi gi xacfd|gi av ogjzwckgz u`i ocz`ag gi gagk|zmicvfdg jg|`aciovlcgiv|gi

:808 JU muu FUJ@ Jzcod| @lumf`|gi!

ggi gziv|cog cijzgwk mx lgrg ugzxacfd|cio)

N``z mmk dg| ogjzwck u`i ogjmmz|gl`|`!

lgagi u`i |gagemmiiwnngzv! gir) rmwlgi

kwiigi agclgi |m| ggi vfdgilcio u`i lgrg

ugzxacfd|cio)

Lgrg |gg ugzxacfd|ciogi u`i lg jg|`aciov.

lcgiv|ogjzwckgz nmogi icg| mzlgi milgz.

vfd`|2 jcb vfdgilcio u`i rcbi ngalciov. me

``zjmzoxacfd| zcvkggz| lg ogjzwckgz cn.

ngzv rgae gi mijgxgzk| ``ivxz`kgacbk |g rcbi

ummz lg lmmz dg| ez`wlwagwrg ogjzwck ogag.

lgi vfd`lg $rcg dcgzi`#)

Mmk ng| jg|zgkkcio |m| jg|`aciov|z`iv`f|cgv

lcg uzggnl rcbi ``i dg| ogjzwck u`i ggi

jg|``aciv|zwngi| $jcbu) ez`wlwagwrg jg|`aci.

ogi uc` ggi ogd`fk|g X`sx`a.`ffmwi|#

nmg| lg jg|`aciovlcgiv|ogjzwckgz gakg icg|.

|mgogv|`ig me icg| fmzzgf| wc|ogumgzlg

|z`iv`f|cgngalgi) Mmk dcgz jgx``a| lg

_JL gtxacfcg| l`| lg ogjzwckgz lc| miugz.cbal nmg| lmgi) Lg |gzn miugzcbal cv

gfd|gz ggi zgkj``z jgozcx! gi r`a lgvogu`a.

agil lmmz lg zgfd|gz mzlgi cioguwal `e.

d`ikgacbk u`i dg| ogdgga u`i lg egc|gacbkg

mnv|`ilcodglgi) Rm r`a jcbummzjggal ggi

ngalcio u`i ggi ez`wlwagwrg lgjc|gzcio u`i

rcfd|zgkgicio ggi lcugzvg n``ilgi i` lg.

jc|gzcio gaacfd| immc| `av miugzcbal kwi.

igi mzlgi ogk`acecfggzl) Lmfd `aagv r`a

`ed`iogi u`i lg fmifzg|g mnv|`ilcodglgi

gi dg| vmgugzgcig mmzlgga u`i lg zgfd|gz)

Mmk ggi vfdgilcio u`i lgrg ugzxacfd|ciodgge| ugzv|zgkkgilg ogumaogi2 ggi icg|.

miugzcbalg gi lwv a``||cblcog ngalcio mzl|

lmmz lg _JL `av ggi ozmug i`a`|codgcl ci

dmmelg u`i lg ogjzwckgz jgvfdmwl! ng|

`av ogumao dg| ugzacgv u`i rcbi zgfd| mn lg

ez`wlwagwrg jg|`aciov|z`iv`f|cg |gzwo |g

umzlgzgi u`i lg jg|`aciovlcgiv|``ijcglgz

$rcg dcgzi`#)

Jcb lg ciuwaacio u`i lgrg ugzxacfd|ciogi cv

dg| |gi vam||g icg| mijga`iozcbk mn ``i |g

v|cxxgi l`| dg| v|gglv lg jg|`aciovlcgiv|.

``ijcglgz cv lcg gugi|wgga jglzmo! mxrg| meozmug i`a`|codgcl u`i lg ogjzwckgz nmg|

jgcbrgi) Gz vxgga| lwv ng| `ilgzg mmz.

lgi ggi ugznmglgi l`| lg ogjzwckgz rcbi

ugzxacfd|ciogi dgge| i`ogaggel! |m| jgcbv

u`i |gogilgga)

Lmncfcaczcio gi lmmz lg jgowiv|colg

ogic|cggzlg jg|`aciov|z`iv`f|cgv

Lg _JL zmgx| mmk vxgfcecgkg jgx`aciogi ci

dg| agugi cir`kg lmncfcaczciogi) Dg| jg|zge|

lmmz lg jgowiv|colg ogic|cggzlg jg|`aci.

ogi ``zu`i dg| jglz`o mx lg l`|wn u`i

lg civ|gnncio u`i lg jg|`agz imo icg|

u`v|v|``| $jcbu) |gagemicglcgiv|gi#) Ummz.

ggzv| ugzgcv| ggi lmncfcaczcio ggi ummz`e.

o``ilg vfdzce|gacbkg a`v|ogucio ``i lg jg.

owiv|colg u`i lg jg|`agz! me ``i lg jg|`.

aciovlcgiv|``ijcglgz u`i lg jg|`agz me jg.

owiv|colg) Ci lgrg uman`fd| nmg| wc|lzwk.

kgacbk mzlgi ugzgrgi i``z lg milgzaco.

ogilg mugzggikmnv| $jcbu) ggi |gagemicg.

`jmiigngi|#) @aogngig lmncfcaczciogi

|gi owiv|g u`i ggi jgx``alg vfdwalgcvgz

rcbi lwv wc| lgi jmrg) Lg _JL jgx``a| ugz.

lgz l`| lgrg a`v|ogucio |g `aagi |cblg k`i

mzlgi ciog|zmkkgi! ggi zgoga lcg ci egc|g

lg jgugv|cocio cidmwl| u`i lg ognggi

zgfd|gacbkg dgzzmgxj``zdgcl u`i lg a`v|og.

ucio)

Ugzlgz nmg| lg jgowiv|colg u`i lg lmncfc.

aczcio lg jg|`agz! ummz gakg |g cic|czgi jg.

|`acio! jciigi ggi zglgacbkg |gzncbi ummz`e.

o``il ``i lg |z`iv`f|cg ci kgiicv |g v|gaagi

u`i dg| bwcv|g |g jg|`agi $e`f|wwz#jglz`o gi

lg l`|wn ``zmx lg jg|`acio r`a mzlgi

ogic|cggzl)

Lg _JL jgu`| jmugilcgi ggi `llc|cmigag

jgvfdgzncio u`i lg jg|`aciovlcgiv|ogjzwc.

kgz jcb lmmz lg jgowiv|colgjg|`aciov|z`iv.

`f|cgv ``zu`i mx ummzd`il dg| xzgfcgrg

jglz`o icg| ogkgil cv) Dg| jg|zge| icg| `a.

aggi lmncfcaczciogi! n``z mmk `aag `ilgzg

lmmz lg jgowiv|colgu`i lg jg|`acio ogic.

|cggzlg |z`iv`f|cgv) \g lgikgi u`a| jcbummz.

jggal ``i ggi jglz`o l`| u`i lg zgkgicio

u`i lg jg|`agz mzl| oglgjc|ggzl i``z ``i.

agclcio u`i dg| ci ``zjmzo ogugi u`i ggi

kzglcg|k``z| i``z ``iagclcio u`i ggi dm|ga.

jgrmgk me lg dwwz u`i ggi `ogi) Civmnncog ogu`aagi cv cnngzv dg| umgzgi

u`i ggi jg|cv|cio mugz lg mnu`io u`i

ggi lmmz lg jgowiv|colg ogic|cggzlg jg|`.

acio gcico iw||co me j`|co ogrcgi lg ogzciog

mnu`io u`i lg jglz`ogi $lgik n``z ``i

ggi n``ilgacbkvg |gagemmizgkgicio# me lg

amf`|cg u`i lg fmi|z`f|x`z|cb $dm|ga ci dg|

jwc|gia`il#! rgkgz icg| iw lg jg|`agz rcfd

icg| a`iogz k`i jgzmgxgi mx lg icg|.

wc|umgzciovgtfgx|cg)

_gaiw! `z|) 64 _JL ugzxacfd| lg jg|`aciov.

lcgiv|``ijcglgz mn jg|`aciogi lcg lmmz lgjgowiv|colgu`i lg jg|`acio gzlgi ogic.

|cggzl ``i lg ogjzwckgz |gzwo |g jg|`agi ci.

lcgi gigzrcblv lg xzgfcgrg mnu`io mx l`.

|wn u`i civ|gnncio icg| jgkgil `v! gi

cilcgi `ilgzrcblv dg| jglz`o u`i lg jg|`.

aciov|z`iv`f|cg dmogz aco| l`i lg jg|`agzmx

ozmil u`i rcbi ggzlgzg wc|o`ugix`|zmmi! lg

ummz``zlgi u`i rcbi z``nfmi|z`f| gi lg

zgagu`i|g `vxgf|gi u`i lg r``k zglgacbkgz.

cbrg nmfd| ugz`fd|gi)Lg jgcbva`v| u`i

lg ciuwaacio u`i lgrg nml`ac|gc|gi aco| jcb lg

ogjzwckgz) Lgzogacbk jgcbv r`a ci lg xz`k|cbk

icg| v|gglv guclgi| rcbi) Ggi ummzjggal l`|lg |mg|v| u`i `z|) 64 _JL m)c) lmmzv|``| cv

jcbu) dg| `w|mugzdwwzjglzcbe l`| vigadgclv.

jmg|gv lmmzzgkgi| ``i ggi jg|`agz ``zu`i

a``|v|ogimgnlg k`i jgcbrgi lgrg immc| |g

dgjjgi jgo``i $mnl`| dcb rcfd jcbu) mx l`|

|cblv|cx rcfd mx ggi ilgzg amf`|cg jgumil#)

Lg jg|`aciovlcgiv|ogjzwckgz nmg| mn lgz.

ogacbkg |gzwojg|`acio ugzrmgkgi wc|gzacbk jci.

igi lg `fd| gkgi i` lgjc|gzcio) Cilcgi lg

ogjzwckgz ng| vwffgv lg |gzwov|mz|cio k`i

jgkmngi! r`a dcb u`irgaevxzgkgil imo rcbi

$fmzzgf|g# ugzxacfd|ciogi |gi ``ircgi u`i

lg $ogfzglc|ggzlg# jgowiv|colg nmg|gi i`.

kmngi! n``z uc` lg jgkmngi |gzwojg|`acio

jgucil| dcb rcfd `aagvrciv ci ggi ci|gzgvv`i.

|gzg milgzd`ilgaciovxmvc|cg)

Icg|.|mgogv| ig jg|`aciov|z`iv`f|cgv

Ggi jga`iozcbk awck u`i lg _JL zgoga| lg

ugzlgacio u`i ``ivxz`kgacbkdgcl ci dg| ogu`a

u`i icg|.|mgogv|`ig jg|`aciov|z`iv`f|cgv)

Gz cv vxz`kg u`i ggi icg|.|mgogv|`ig |z`iv.

`f|cg `iiggz lg jg|`agz icg| dgge| ciog.

v|gnl ng| lg wc|ogumgzlg jg|`aciov|z`iv.`f|cg) Ummzjggal jcb wc|v|gk rcbi jg|`aciov.

|z`iv`f|cgv lcg gzlgi ogic|cggzl ng| ggi

ogv|magi me i`ogn``k|g kzglcg|k``z|) N``z

mmk ez`wlwagwrg |z`iv`f|cgv rmilgz ugzacgv

me lcgev|`a u`i ggi jg|``aciv|zwngi| jcb.

ummzjggal ng| ggi ogd`fk|g X`sx`a.

`ffmwi| me mx j`vcv u`i |g k`lgz |zmw

ugzkzgogi kzglcg|k``z|ogogugiv u`aagi

dcgzmilgz)

Lg `aogngig zgoga ugzu`| ci `z|) 65 _JL

jgx``a| l`| lg jg|`aciovlcgiv|` ijcglgz dg|

va`fd|meegz u`i ggi icg|.|mgogv|`ig |z`iv.

`f|cg! jgd`aug ci ogu`a u`i jglzmo! mincl.

lgaacbk i` ngalcio dg| jglz`o u`i lg icg|.

|mgogv|`ig |z`iv`f|cg nmg| |gzwojg|`agi!

cifawvcge lmmz lcg |z`iv`f|cg oglgzelg zgi|g)

Mmk lg kmv|gi ummz lg ogjzwckgz mn rcbi

vfd`lg |g a`|gi u`v|v|gaagi rcbi |gzwojg|``a.

j``z)

Lgrg ugzxacfd|cio ci dmmelg u`i lg jg|`.

aciovlcgiv|``ijcglgz k`i icg| amv ogrcgi

mzlgi u`i lg dmogz |mgogacfd|g ngalciov.

gi ``zjmzoxacfd| ci dmmelg u`i lg jg|`.

aciovlcgiv|ogjzwckgz) Cilcgi lg ogjzwckgz

icg| miugzcbal rcbi jg|`aciovlcgiv|``ijcg.

lgz ci kgiicv v|ga| dg|rcb u`i dg| ugzacgv! lg

lcgev|`a me dg| mizgfd|n`|co ogjzwck u`i dg|

jg|``aciv|zwngi|! dg|rcb u`i lg u`v|ogv|ga.

lg icg|.|mgogv|`ig me icg|.fmzzgf| wc|og.

umgzlg jg|`aciov|z`iv`f|cg! l`i zcvkggz| dcb

rcbi zgfd| mx |gzwojg|`acio mugzggikmnv|co

`z|) 65 _JL |g ugzacgrgi) Guclgi| ogal| dg|.

rgaelg jcb jglzmo lmmz lg ogjzwckgz)

Ummz ugzacgrgi lcg ummz|uamgcgi wc| ggi ugz.

amzgi! ogv|magi me mizgfd|n`|co ``ioggil

jg|`aciovciv|zwngi| ogalgi imo ggi ``i|`a

``iuwaagilg jgx`aciogi $`z|) 6? _JL#2

ez`wlwagwrg |z`iv`f|cgv wc|ogumgzl uz lg

ngalcio u`i dg| ugzacgv me lg lcgev|`a lmmz

lg ogjzwckgz! rcbi ummz rcbi zgkgicio |gi jg.

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W zgfd|gi gi xacfd|gi av ogjzwckgz u`i ocz`ag gi gagk|zmicvfdg jg|`aciovlcgiv|gi

:808 JU muu FUJ@ Jzcod| @lumf`|gi!

amxg u`i n`tcn``a 078!88) I` |cblcog

kgiicvogucio u`i dg| ugzacgv me lg lcgev|`a

cv lg ``ijcglgz ``ivxz`kgacbk ummz lg

vfd`lg lcg ggi gugi|wgag ez`wlwagwrg

|z`iv`f|cg ng| rcfd nggjzgio| $`z|) 65

_JL#) Mx lgrg ``ivxz`kgacbkdgcl i kgi.

icvogucio ogal| gugiga ggi wc|rmilgzcio

ummz rmogi``nl gagk|zmicvfd ogal ``zmx

n`tcn``a 078!88 k`i mzlgi mxogva`ogi

gi lcg icg| lmmz lg jg|`aciovlcgiv|``ijcg.

lgz mx `ev|`il k`i mzlgi ogjamkkggzl $|g

lgikgi u`a| ``i Xzm|mi! ``zjcb lg jg|`acio

cnngzv meeacig gi rmilgz l`|`fmiigf|cg ng|

lg jg|`aciovlcgiv|``ijcglgz ogjgwz|#2 dcgz.

ummz jacbe| lg ogjzwckgz ``ivxz`kgacbk! mmk

i kgiicvogucio)

Ciogu`a u`i ggi icg|.|mgogv|`ig |z`iv`f|cg!

gi mx ummz``zlg l`| lg ogjzwckgz rcbi

ngalciov. gi-me ``zjmzoxacfd|gi cv i`og.

kmngi! nmg| lg jg|`aciovlcgiv|``ijcglgz

mincllgaacbk dg| jglz`o u`i lg icg|.|mgogv|`ig |z`iv`f|cg |gzwojg|`agi! lgvog.

u`aagil nggz zgi|g) Dg| jg|zge| dcgz lwv ggi

umzn u`i mjbgf|cgug $me emw|amrg# ``ivxz`.

kgacbkdgcl ci dmmelg u`i lg `ijcglgz)

Lg jgvfdgzncio u`i lg ogjzwckgz ci ogu`a

u`i icg|.|mgogv|`ig |z`iv`f|cgv u`a| gugi.

ga umaaglco go cilcgi dcb mxrg||gacbk! jg.

lzcgoacbk me ng| ozmug i`a`|codgcl rmw dgj.

jgi ogd`ilgal $jcbu) rcbi jg|``aciv|zwngi|

`av ugzamzgi ``iogogugi gi l``zi` rgae

imo ogal `eogd``al! me i`a`|gi mn ggi lgz.

ogacbk ugzacgv |g ngalgi#) Ci l`| ogu`a r`a lgogjzwckgz mijgxgzk| ``ivxz`kgacbk rcbi ummz

`aag ogaglgi ugzacgrgi)

Lg g| ugzv|``| milgz ozmug i`a`|codgcl

milgz nggz gakg r``zcfd|cog cijzgwk u`i

lg ogjzwckgz mx rcbi ``zjmzo. gi nga.

lciovxacfd| $rcg dcgzjmugi#) Ggi ugzamzgi

kzglcg|k``z| icg| ngalgi! me rggz `zogammv

mnvxzciogi ng| rcbi xcifmlg k`i lwv ummz

lg ogjzwckgz ugzv|zgkkgilg ogumaogi dgj.

jgi) Lg jgmmzlgacio me ggi ngalcio mi.

ugzcbal cv ogjgwzl gi me lg ogjzwckgz mi.

rmzouwalco dgge| mnogvxzmiogi ng| rcbijg|``aciv|zwngi| gi lg jcbdmzgilg ogxgz.

vmi`acvggzlg ugcacodgclvkgingzkgi! mzl|

gugiga vmgugzgci lmmz lg zgfd|gz jgmmz.

lggal) Dg| cv lg zgfd|gz lcg r`a jgx`agi! lc|

milgz nggz mx ozmil u`i lg egc|gacbkg mn.

v|`ilcodglgi! me lg ogjzwckgz rcbi ugzxacfd.

|ciogi `a l`i icg| dgge| ogvfdmilgi) Dg|

jg|zge| ggi egc|gikgv|cg)

Lg jgcbva`v| u`i lg ci lg umzcog x`z`oz``e

jgvfdzgugi cijzgwkgi zwv| l`i ggz jcb lg

jg|`aciovlcgiv|``ijcglgz)

Dmwl gz |givam||g zgkgicio ngg l`| ci og.

u`aagi u`i icg|.|mgogv|`ig jg|`aciogi dg|

nggv|`a icg| lg jg|`aciovlcgiv|``ijcglgz cv

lcg wc|gcilgacbk lg vfd`lg r`a lz`ogi2 ci lg

nggv|g z``nmugzggikmnv|gi ng| xzmegv.

vcmigagi $jcbu) lg d`ilga``z lcg ggi J`i.

fmi|`f|.|gznci`a ogjzwck|# mzl| cnngzv

jgx``al l`| lg ``ijcglgz lg zgkgicio u`i

lg d`ilga``z mxicgw n`o lgjc|gzgi ci dg|

ogu`a lg ka`i|.ogjzwckgz i`lgzd`il lg jg.

|`aciov|z`iv`f|cg o``| jg|cv|gi)

Icg|.|mgogv|`ig jg|`aciov|z`iv`f|cgv ci

dg| i`lgga u`i xzmegvvcmigagi

Ig| rm`av jcb lg ciemzn`|cgugzxacfd|ciogi ci

dmmelg u`i lg ogjzwckgz! v|``| lg _JL mmk

n)j)|) icg|.|mgogv|`ig |z`iv`f|cgv |mg mn

lg gzkcio u`i jgx``alg `z|ckgagi wc| |g

vawc|gi ci z``nfmi|z`f|gi ng| xzmegvvcmig.

agi) Dg| jg|zge| milgz nggz umaogilg zgglv

|mgogacfd|g zgogav2

lmncfcaczciogi gi lg |gzwojg|`acio u`i

lmmz lg jgowiv|colg ogic|cggzlg jg.

|``a|z`iv`f|cgv;

lg jgcbva`v|ugzlgacio |wvvgi ogjzwckgzgi ``ijcglgz jcb ez`wlwagwrg |z`iv`f.

|cgv;

lg ``ivxz`kgacbkdgclvzgogacio jcb ugzacgv

me lcgev|`a u`i jg|``aciv|zwngi|gi;

Uc` lgrg a``|v|g wc|rmilgzcio kwiigi jg|`.

aciovlcgiv|``ijcglgzv ci dwi fmi|z`f|gi

ng| milgzignciogi! ``z l`ogacbkv mn.

u`iozcbkg jglz`ogi fczfwagzgi! lg ``ivxz`.

kgacbkdgclvugzlgacio i`ugi`i| zgogagi) Jcb.

ogumao rmw jcbummzjggal fmi|z`f|wgga kwi.

igi mzlgi jgx``al l`| uz kgiicvogucio

u`i ggi nmogacbk mizgfd|n`|co ogjzwck u`iggi jg|``aciv|zwngi| lg xzmegvvcmigag og.

jzwckgz ``ivxz`kgacbk r`a rcbi ummz ggi dm.

ogz jglz`o l`i 078!88) _ga cv dg| m)c) icg|

nmogacbk l`| lg jg|`aciovlcgiv|``ijcglgz

rcbi ``ivxz`kgacbkdgcl umaaglco rmw wc|vawc.

|gi2 lc| rmw cnngzv iggzkmngi mx ggi mi.

ogmmzammel gtmigz`|cgjglcio! rgkgz ci lg

n`|g ``zci lg ogjzwckgz ``i rcbi kgiicv.

oguciovxacfd| rmw dgjjgi umal``i)

Lg zgoga u`i `z|) 65 _JL jacbe| ga u`i |mg.

x`vvcio |gi ``ircgi u`i xzmegvvcmigagi2

jciigi lg n`zogv u`i lg _JL gi lg$gugi|wgga `ecbkgilg# jgx`aciogi u`i dg|

z``nfmi|z`f| nmg| lg ``ijcglgz ``i lg

jg|`agz lg icg|.|mgogv|`ig jg|`aciov|z`iv.

`f|cg mincllgaacbk |gzwojg|`agi! jgdmwlgiv

ci ogu`a u`i ka``zjacbkgacbk jglzmo)

Kmv|gi u`i lg jg|`aciov|z`iv`f|cg

Lg _LJ jgx``a| l`| jgdmwlgiv dg| ogu`a

gz u`aw|`cvvgav ognmgcl rmwlgi rcbi ng|

lg |z`iv`f|cg! lg jg|`agz gi lg jgowiv|colg

gak lg kmv|gi u`i dwi zgvxgf|cgug jg|`.

aciovlcgiv|``ijcglgz lz`ogi) Jga`iozcbk

dcgzjcb cv mn ``i |g v|cxxgi l`| lg kmv|gi

ummz lg jg|`aciovlcgiv| lmmz lg jg|`aciov.

lcgiv|``ijcglgz immc| nmogi mzlgi og.

fmnxgivggzl ng| lg lmmz lg ogjzwckgz uc`

lg jg|`aciovlcgiv| jg|``alg jglz`ogi) Lc|

cv mmk amocvfd! iw lc| `ilgzv rmw cidmwlgi

l`| lg jgowiv|colg vagfd|v ggi lgga u`i lg

lmmz lg jg|`agz ogic|cggzlg jg|`acio rmw

mi|u`iogi! ng| `aag ``ivxz`kgacbkdgclvzcvc.

fmv ummz lg jg|`agz u`i lcgi $miumaaglco

jg|``alg xzcbv#)

Lg _JL jgx``a| jmugilcgi gtxacfcg| l`| lg

jgowiv|colgi lg nmogacbkdgcl dgjjgi mn

u`i lg jg|`agz ggi ugzomglcio |g uz`ogi me

ggi kmz|cio ``i |g jcglgi ummz dg| ogjzwck

u`i ggi jgx``al jg|`aciovciv|zwngi|) Mx

ozmil u`i lg _JL k`i lg jg|`aciovlcgiv|.

``ijcglgz ``i lg jgowiv|colg $jcbu) lg

ugzkmxgz lcg mugz ggi J`ifmi|`f||gznci`a

jgvfdck|# lwv icg| a`iogz fmi|z`f|wgga ugz.

jcglgi mn ggi nggzkmv| ci zgkgicio |g

jzgiogi `iiggz lg jg|`agz ng| ggi jg.

x``al jg|`aciovciv|zwngi| jg|``a| $jcbu) jcb

ggi jg|`acio ng| J`ifmi|`f|#)

Wc|umgzciov|gzncbi

I``v| ggi zgogacio cir`kg icg|.|mgogv|`ig

jg|`aciov|z`iv`f|cgv! zgoga| lg _JL gugi.

ggiv lg wc|umgzciov|gzncbi ``zjciigi

|z`iv`f|cgv nmg|gi mzlgi wc|ogumgzl)

Ummzggzv| jgu`| lg _JL ggi ``i|`a zgogav

cir`kg lg wc|umgzciov|gzncbi u`i |z`iv`f|cg)

U`i`e 80-80-:80: lg g| jgu`| cnngzv

|m| l`i ggi mugzo`iovjgx`acio cv lg `a.

ogngig zgoga l`| jcb jg|`aciogi ci Gwzm

gi ci jgx``alg ogu`aagi u`aw|` u`i `ilgzg

GGZ.aclv|`|gi lg zgkgicio u`i lg jgowi.

v|colg wc|gzacbk ``i dg| gcilg u`i lg ggzv|.

umaogilg gzkl`o i` dg| |cblv|cx u`i mi|.

u`iov| u`i lg jg|`aciovmxlz`fd| nmg|

mzlgi ogfzglc|ggzl) Cilcgi lg jg|``amx.

lz`fd| lmmz lg ogjzwckgz icg| mzl| ogic|c.

ggzl mx ggi gzkl`o! l`i cv dg| |cblv|cx u`i

mi|u`iov| lg ggzv|umaogilg gzkl`o) Ci.

lcgi lg |z`iv`f|cg mx x`xcgz mzl| ogic|c.

ggzl k`i lg |gzncbi jmugilcgi ng| ggi gt.

|z` l`o mzlgi ugzagiol) Ummz jg|`aciogi ci

icg|.GGZ u`aw|` k`i lg jg|`aciovlcgiv|``i.

jcglgz ggi a`iogzg |gzncbi jglciogi! lcg

gugiga icg| a`iogz l`i ucgz l`ogi n`o

rcbi)

Ag| ga! lg g| v|``| |mg l`| lg ``ijcglgz

fmi|z`f|wgga jgx``a| l`| |z`iv`f|cgv i ggi

jgx``al wwz u`i lg l`o og`fd| mzlgi |g

rcbi mi|u`iogi lg l`o i`lcgi) Lc| cv ciog.

ogugi lmmz lg |gfdicvfdg gzkcio u`i lg

ci|gzj`if`cz ugzgeegiciovvsv|gngi lcg lg

ci|gzj`if`czg |z`iv`f|cgv mx ggi jgx``al

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8/8/2019 TBS n5 - Uw rechten en plichten als gebruiker van girale en elektronische betalingsdiensten

5/5