You have a crucial role to play to ensure your Hugosave Account is protected from unauthorised access and use. In this article, we want to highlight from the e-Payments User Protection Guidelines issued by the MAS (“User Protection Guidelines”) how, by practising good security hygiene, you can keep your Hugosave Account safe and secure.
You must take reasonable steps to keep your PIN, passwords, phone, and card numbers secure, nor must you let anyone else use your account, even with your permission. If you suspect that there may be unauthorised access to your account or that a transaction that you think is fraudulent has occurred, you must let us know immediately.
If we suspect that your account may have been used by someone other than you or a fraudulent transaction has been made, we will contact you (as above), and we may temporarily prevent your account from making further payments.
If your card is lost or stolen, immediately block the Card in your Hugosave App.
You must ensure at all times that you take all reasonable steps to:
- ensure that your Mobile and your Mobile PIN is kept safe and secure;
- ensure that your access code, as a back-up to your Biometric entry, into the Hugosave App is kept safe and secure. Never voluntarily disclose this access code to any third party; and
- ensure your Hugosave Card PIN and other unique numbers (including CVC, expiry and card number) which are only retained in the Hugosave App for you are safe and secure
To help with your security, we have issued our Hugosave Platinum Visa Debit card as a ‘Digital First Card design', a numberless card, helping reduce third-party fraud risk. Only you can access your card details on the Hugosave app.
To help meet the requirements of the bullet points above, we recommend that you:
(a) close the Hugosave App every time you are not using or have finished using it;
(b) keep the Mobile you use to gain access to your Hugosave Account safe and secure and locked with a secure password or other security mechanisms such as Biometrics and PIN;
(c) do not write down or telling anyone your Mobile PIN;
(d) change your Mobile PIN regularly, and
(e) if you receive any SMSs or emails, surveys, or other links that require you to provide your Mobile PIN, do not provide your information and inform our customer services team via the Live chat function in your Hugosave App;
(f) ensure that the Mobile and email account(s) you use to communicate with us are secure and only accessed by you, and
(g) if at any time you think that your Mobile PIN has been lost, stolen or any other person knows your Mobile PIN or anyone has access to your email account or Mobile you use to communicate with us, inform customer services immediately via the Live chat function in your Hugosave App;
(h) update the Mobile App to the latest version available for your device as it may contain security updates;
(i) keep your Hugosave Card safe and secure and do not write down or tell anyone your Card PIN or details of the Hugosave Card.
As noted in paragraph 3.8 of the User Protection Guidelines, if you notice any misuse, theft or unauthorised use of your Mobile, Hugosave Card, Mobile PIN or Card PIN or any other suspicious activity, you must contact the customer services team and if possible, enable the appropriate security features on the Hugosave App.
Where applicable, you may be required to provide all of the information set out in paragraph 3.9 of the User Protection Guidelines for our review and investigation. If you suspect identity theft or theft of your money, we suggest that you contact the local law enforcement as well.