Terms and Conditions

Click here for Terms and Conditions for NRI customers

These terms and conditions (“Terms”) apply to and regulate the provision of specified products and services provided by ICICI Bank through the application page. These Terms are in addition to and not in derrogation with ICICI Bank’s savings account terms and conditions and ICICI Bank’s Debit Card terms and conditions (“Primary Terms and Conditions”) and guidelines applicable to ICICI Bank’s fan page on Facebook (“Guidelines”) and such other terms and conditions as may be specified by ICICI Bank from time to time. In case of any inconsistency between these Terms and Primary/other specified terms and conditions, these Terms shall prevail.

Definitions :

"Account(s)" or "Accounts" or "Account" refers to the User's bank account(s) so maintained with ICICI Bank which are eligible Account(s) for purposes of availing products and services through this application.

“Account holder" shall mean a resident user holding an Account with ICICI Bank. Non Resident Indians, corporate account holder and foreign account holders are not eligible to register on the application page.

“Application” shall mean such application , access to which may be obtained by the User, for availing Services, by registering himself with the application post successful authentication/verification. Application includes all application pages and service pages which are part of the Application.

"Affiliate" of ICICI Bank shall mean and include any company which is the holding company or subsidiary of ICICI Bank, or any person under the control of or under common control with ICICI Bank or in more than 26% of the voting securities of which ICICI Bank has a direct or beneficial interest or control.

For the purpose of this definition of Affiliate, " control " together with grammatical variations when used with respect to any person, means the power to direct the management and policies of such person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise howsoever; and " person " means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

“Debit Card” or “ATM Card” or “Card” refers to the card issued to Account Holder/s against the Account/s. The Services on this Application are available to primary Debit Card/s linked to the Accounts and not on add on cards.

"User" refers to an Account holder of ICICI Bank, authorised and eligible to avail products and services through this Application . In case of the user being a minor, the guardian of such minor shall be permitted to avail products and services through this Application.

“User Id” refers to retail internet banking user id of User, to which the Account(s) is linked.

“All Relationships” refers to linked bank account(s), credit card(s), demat account(s) and/or loan(s) which are linked to User Id of User.

“Linked Accounts” refers to ICICI Bank savings / current accounts of User linked to his User Id.

“Linked Credit Cards” refers to ICICI Bank credit cards of User linked to his User Id

“Linked Loans” refers to ICICI Bank Loans of User linked to his User Id

“Linked Demats” refers to ICICI Bank Demat account of User linked to his User Id

"ICICI Bank" refers to ICICI Bank Limited, a company incorporated under the Companies Act, 1956 and licensed as a bank under the Banking Regulation Act, 1949 and having its registered office at Landmark, Race Course Circle, Vadodara 390 007 and corporate office at ICICI Bank Towers, Bandra Kurla Complex, Mumbai 400 051.

"ICICI Bank 24-Hour Customer Care Centre" refers to ICICI Bank - Phone Banking Service provided by ICICI Bank to the Users.

"Personal Information" refers to the personal information provided by the User to ICICI Bank.

“Services” refers to the products and services as made available by ICICI Bank to the Users through this Application from time to time and as more specifically mentioned in clause 4 of the Terms.

"Website" refers to the website owned, established and maintained by ICICI Bank located at the URL www.icicibank.com.

In these Terms, unless the contrary intention appears:

1. a reference to :
   
   an "amendment" includes a supplement, modification, novation, replacement or re-enactment and " amended" is to be construed accordingly;
   
   an "authorisation" or "approval" includes an authorisation, consent, clearance, approval, permission, resolution, license, exemption, filing and registration;
   
   “law” includes any constitution, statute, law, rule, regulation, ordinance, judgement, order, decree, authorisation, or any published, directive, guideline, requirement or governmental restriction having the force of law, or any determination by, or interpretation of any of the foregoing by, any judicial authority, whether in effect as of the date of signing/submission of the application form or thereafter and each as amended from time to time.
2. the singular includes the plural (and vice versa);
3. the headings in these Terms are inserted for convenience of reference only and are to be ignored in construing and interpreting the Terms;
4. reference to the words “include” or “including” shall be construed without limitation;
5. reference to a gender shall include references to the female, male and neuter genders;

Applicability of Terms:

These Terms form the contract between the User and ICICI Bank for availing Services through this Application . For availing the Services, the User shall be required to register to the Application as per the instructions provided at Website. ICICI Bank shall be entitled at its sole discretion to accept or reject such registration requests by the Users and its decision in this regards shall be final and binding. By registering on the Application for availing the Services , the user acknowledges and accepts these Terms. While availing specified Services through the Application , certain additional service terms and conditions (“Service Terms”) shall be mentioned on respective service application page/s and the User’s conduct of continuing to avail the Service shall amount to his/her acceptance of such Service Terms and shall be binding on the User.

Application:

For the purpose of availing the Services through the Application , the User would need to have legal and valid access to the Facebook website and should be an ICICI Bank Account holder having valid and subsisting ICICI Bank’s Debit Card linked to the Account.

The information provided to the User through the Application is not updated continuously but at regular intervals. Consequently, any information supplied to the User through the Application will pertain to the date and time when it was last updated and not as the date and time when it is supplied to the User. ICICI Bank shall not be liable for any loss that the User may suffer by relying on or acting on such information. ICICI Bank may keep its records of the transactions in any form it wishes. In the event of any dispute, ICICI Bank's records shall be binding as the conclusive evidence of the transactions carried out through the Application in the absence of clear proof that ICICI Bank's records are erroneous or incomplete.

Any request for any Service, which is offered as a part of the Application shall be binding on the User as and when ICICI Bank receives such a request. If any request for a Service is such that it cannot be given effect to unless it is followed up by requisite documentation on part of the User, ICICI Bank shall not be required to act on the request until it receives such documentation from the User.

The User shall ensure that Application is not used for any purpose which is illegal, improper or which is not authorised under these Terms/other specified terms. The user understands that the Application can be accessed/used only when the User has an enabled secured browsing in his/her facebook security settings.

Services:

The Services which may be availed by the User through the Application are as follows:

• Statement of All Relationships of the User
• Request for onscreen display of Linked Accounts details;
• Request for onscreen display of Linked Accounts summary;
• Request for onscreen display of mini statement of Linked Accounts;
• Display of Linked Credit Card statements and payment dues
• Display of Linked Loan details and I.T. certificates
• Display of holding statement of Linked Demat account
• Online request for opening fixed deposit
• Online request for opening recurring deposit
• Cheque book request;
• Stop cheque request;
• Cheque status inquiry request;
• Request for email statements;
• Request to upgrade Debit Card;

Financial Services:

Apart from the above Services, the following Services may also be availed by the User:

• Facility to pay utility bills to billers registered under his User Id
• Facility to transfer money to Linked Accounts of User
• Facility to transfer money to other ICICI Bank accounts which are registered as payee under his User Id
• Online prepaid mobile recharge
• Online movie ticket booking
• Pay To Friends – A financial service by which User can generate an electronic coupon in favour of third party and that coupon can be redeemed by the third party later on during the validity of the coupon.

Social Features:

• Display of all transactions in Activity Feed section, done by User through the Application. User has option to post on facebook or send private messages to his friends about these transactions.
• Display of transactions done by his friends on facebook who have also registered for the Application.
• Display of transactions done by User to his friends (who have also registered this Application) under Update section of the Application if his friends have opted to follow the User. However, User has right to selectively hide or hide all options to prevent display of such transactions to a specific or all friends.
• Display of Like count on his transactions.
• or any other Service which ICICI Bank may introduce and specify from time to time.

The availability/non-availability of a particular Service shall be communicated to the User through email or web page of ICICI Bank or in writing as may be deemed fit by ICICI Bank. This Application may be provided by ICICI Bank directly or through its associates or contracted service providers.

In order to avail the Financial Services mentioned above successfully, the User shall have to put in a One Time Password (OTP) every time for availing the Financial Services. Such OTP shall be sent to the User's registered mobile number with ICICI Bank. The transaction shall be executed only when User enters correct OTP as sent by ICICI Bank for that transaction. Such OTP shall be valid for that transaction only.

Pay To Friends:

This is a financial service through which User can transfer money to a beneficiary without knowing beneficiary account details. Through this service, User can create an electronic coupon for beneficiary which can be redeemed by the beneficiary at a later time during the validity of such coupon. The said Service usage process is mentioned hereinafter

• Coupon is created of specific amount by debiting User’s bank account.
• Two passcodes are also generated while creating the coupon. One Passcode is sent to User’s registered mobile number with ICICI Bank and other Passcode is sent to Beneficiary.
• Coupon Id and beneficiary passcodes are sent to beneficiary on his mobile number, email id or facebook post (with respect to the facebook post the viewer rights are with the User and beneficiary only) as determined by the User
• Coupon remains valid for a period of 7 days from the date of its creation, after which it expires and the amount is credited back to User’ account. The User can also cancel the coupon and transfer money will be credited to the User’s Account, however, if the redemption process has been initiated by the beneficiary before the cancellation request has been submitted by the User, the coupon shall not be canceled.
• Beneficiary can redeem the coupon during the validity of the coupon. On successful redemption, transfer money is credited to beneficiary account, details of which are provided by the beneficiary at the time of redemption.

Limitation on Transactions:

• There shall be daily transaction limit of Rs. 5000/- for Movie Ticket booking
• There shall be daily transaction limit of Rs. 1000/- for Pre-paid Mobile Recharge. Beside this, there will be daily limit of Rs. 1500/- per User for Pre-paid mobile recharge across ICICI Bank internet banking and the Application.
• There shall be daily transaction limit of Rs. 50000/- on fund transfer to registered payees through this Application. Beside this, there shall be daily transaction limit of Rs. 500000/- on fund transfer to registered payees across ICICI bank internet banking and the Application.
• There shall be daily transaction limit of Rs. 10000/- on Pay To Friend transactions through the Application.

New limits may be introduced and modification in these limits may be carried out at the sole discretion of ICICI Bank.

Unauthorised Access:

The User shall take all necessary precautions to prevent unauthorized and illegal use of the Application and Services offered through the Application. The User agrees not to use/access the Application and/or Services offered through the same in any manner other than as authorized by ICICI Bank. In case the User uses the Application for any purpose which is illegal, improper or which is not authorised under these Terms/other specified terms then ICICI Bank has a right to disable the use of Application ICICI Bank shall take all commercially reasonable care to, ensure the security of and to prevent unauthorised access to Application and Services offered through this Application using commercially reasonable technology available in India to ICICI Bank.

Registration for the Application Access:

User shall be required to register on the Application to avail Services. Registration shall be done based on successful authentication of User’s ICICI Bank Debit Card and 4-digit PIN. Post successful authentication, User shall be required to create a confidential and personal password (“Password”) as per the specifications provided on the Application . Post the above, the User shall be able to access the Application and Services offered through the Application through use of Password. As a safety measure the User must ensure that the Password is kept confidential and is not disclosed to anyone; and to not let any unauthorised person have access to Application while the User is accessing the Application and Services offered through this Application.

If the User forgets the Password, the User can after authenticating by providing ICICI Bank’s Debit Card and 4-digit PIN of the Debit Card regenerate a new password , on the Application for availing the Services. As a safety measure, the Application after logging in, if remains unused for a fixed period of time, the session would expire and the user will have to login again to access the Application. The time period would be decided by ICICI Bank, at its sole discretion, from time to time after evaluating the associated risks. The allowing of access again to the Application and Services offered through this Application shall not be construed as the commencement of a new contract. On three consecutive unsuccessful log-in attempts, the Password will be disabled and the User shall have to regenerate a password through the ‘Forgot Password’ link on the Application. The User shall not attempt or permit others to attempt accessing the Account information stored with ICICI Bank through any means other than through authorized channels as provided by ICICI Bank.

Password:

The User acknowledges, represents and warrants that the Password which will be generated by the User , at any time, that is either at the time of registration for Application or anytime thereafter regenerated through ‘Forgot Password’ option on the Application , provides access to the Application and that User is the sole and exclusive owner and is the only authorised user of the Password and accepts sole responsibility for use, confidentiality and protection of the Password as well as for the Services availed through the use of Password. The User grants express authority to ICICI Bank for carrying out transactions and instructions authenticated by such Password. The User unconditionally undertakes to have Password of such number of letters/digits as may be notified by ICICI Bank from time to time and ensure that the same is kept confidential; and to not let any unauthorised person have access to the internet while the User is accessing the Application / Services thereof. If the User forgets the Password, then the User may regenerate the Password instantaneously on the Application in the same manner as the first Password was generated and this shall not be construed as the commencement of a new contract. The User agrees and acknowledges that ICICI Bank shall in no way be held responsible or liable if the User incurs any loss as a result of information being disclosed by ICICI Bank regarding his Account(s) or carrying the instruction of the User pursuant to the availment of Service by the User and the User shall fully indemnify and hold harmless ICICI Bank and itsAffiliates in respect of the same. The User shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any person voluntarily, accidentally or by mistake. The User agrees and acknowledges that any loss, damage, liability caused or suffered by the User due to disclosure of all information of confidential nature shall be borne by the User without transferring any liability or responsibility towards ICICI Bank. The User shall comply with such guidelines, instructions or terms as ICICI Bank may prescribe from time to time with respect to the Password/Services/ Application

Joint Accounts:

In case of joint accounts, registration of and transactions through the Application, shall be available if the mode of operation is indicated as 'either or survivor' or 'anyone or survivor'. The User desirous of availing the Service through Application should either be the holder of ICICI Bank’s Debit Card/ ATM Card linked to the Account held by the User as sole signatory or authorised to act independently in case of a joint account. The joint account holders shall have to register separately/individually on the Application for accessing the Application. In case of joint accounts operated by more than one user with same Debit Card, ICICI Bank shall act on the instruction received first and any subsequent instruction shall be neglected. All correspondence will be addressed to the first named person only. All transactions arising from the use of Application in the joint account shall be binding on all the joint account holders, jointly and severally.

Charges:

ICICI Bank reserves the right to charge and recover from the User, service charge for providing Services through the Application. The User hereby authorises ICICI Bank to recover the service charge by debiting one of the Accounts of the User or by sending a bill to the User who will be liable to make the payment within the specified period. Failure to do so shall result in recovery of the service charge by ICICI Bank in a manner as ICICI Bank may deem fit along with such interest, if any, and/or suspension of the facility made available through the Application without any liability to ICICI Bank.

Maintenance of Sufficient Balance:

The User shall ensure that there are sufficient funds (or prearranged credit facilities)/minimum required balance in any Account for transactions through the Application and ICICI Bank shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds and/or credit facilities provided always that ICICI Bank shall at its sole discretion, be entitled to carry out the instructions notwithstanding such inadequacy without seeking the prior approval from or notice to the User and the User shall be responsible to repay with interest the resulting overdraft, advance or credit thereby created and for all related to costs and charges.

ICICI Bank may, at its discretion, levy penal charges for non-maintenance of the minimum balance. In addition to the minimum balance stipulation ICICI Bank may levy service charges for use of Application which will be notified by ICICI Bank to the User from time to time. Any change in such service charges will also be notified to the User. The User authorises ICICI Bank to recover all charges related to Application as determined by ICICI Bank from time to time by debiting one of the Accounts.

ICICI Bank may withdraw the provision of these Services, wholly or partly, if at any time the amount of deposit falls short of the required minimum as aforesaid and / or if the service charges remain unpaid, without giving any further notice to the User and / or without incurring any liability or responsibility whatsoever by reason of such withdrawal.

The User expressly agrees and acknowledges that in the event the User chooses to apply for Service/s provided by ICICI Bank through Application, he/she may do so, by submitting the required facility documents online in the manner specified by ICICI Bank, unless specifically required by ICICI Bank to be submitted in physical form only / also. In the event such facility is sanctioned by ICICI Bank to the User, the User expressly agrees and acknowledges to have read and understood the terms and conditions that govern such facility and be bound by such terms and conditions at all times during the tenure of the facility, and as may be amended by ICICI Bank from time to time. Further, the User agrees and undertakes to sign such other documents as may be required by ICICI Bank from time to time.

Authority to ICICI Bank:

The User irrevocably and unconditionally authorises ICICI Bank to access all his Account(s) for effecting banking or other transactions performed by the User through the Application. The instructions of the User shall be effected only when such instruction is in accordance with the prescribed procedure and applicable laws.

By registering on this Application you understand and acknowledge that ICICI Bank shall have access to and retain the information on your Facebook user account including basic information, email id, Facebook profile information, photographs and friend list alongwith friend’s profile information and the Account related details/information of the User. The User understands and acknowledges that Facebook is not seeking any Account related information/details of the User and at no point of time the same will be accessible to, held or retained by Facebook and Facebook shall not be liable in any manner for such information/details.

ICICI Bank shall have no obligation to verify the authenticity of any transaction / instruction received or purported to have been received from the User through the Application or purporting to have been sent by the User other than by means of verification of the Password.

The read-out, the faxed /email output or the printed output, if any, that is received by the User at the time of availing the Service/s is a record of the operation of the computer by the User and shall be accepted as conclusive and binding for all purpose. All the records of ICICI Bank generated by the transactions arising out of the availment and use of the Service/s through Application, including the time the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transaction. While ICICI Bank shall endeavour to carry out the instructions promptly, they shall not be responsible for any delay in carrying on the instructions due to any reason whatsoever, including due to failure of operational systems, technical issues or any requirement of law. All the instructions/ transactions arising out of availment and use of the Service/s through Application to operate a joint account shall be binding on all the joint account holders, jointly and severally.

Instructions:

All instructions for accessing Application and/ or availment of Service/s shall be given, through computer or any other medium/channel enabled by ICICI Bank for the purpose, by the User in the manner indicated by ICICI Bank. The User is also responsible for the accuracy and authenticity of the instructions provided to ICICI Bank and the same shall be considered to be sufficient to operate / access the Application and/or avail/ effect the Service/s. ICICI Bank shall not be required to independently verify the instructions, and the instruction shall remain effective till such time the same is countermanded by further instructions by the User. ICICI Bank shall have no liability if it does not or is unable to stop or prevent the implementation of an instruction, which is subsequently countermanded. Where ICICI Bank considers the instructions to be inconsistent or contradictory it may seek clarification from the User before acting on any instruction of the User or act upon any such instruction as it deems fit. ICICI Bank states that it has no liability or obligation to keep a record of the instructions to provide information to the User or for verifying User's instructions. ICICI Bank may refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any instruction and have the right to suspend the operations through the Application if it has reason to believe that the User's instructions will lead or expose to direct or indirect loss or may require an indemnity from the User before continuing to operate the Application / Service(s).

Any instruction, order, direction, request entered using the Password of the User shall be deemed to be an instruction, order, directive, request received from the User. All instructions, requests, directives, orders, directions, entered by the User, eitherelectronically or otherwise are based upon the User's decisions and are the sole responsibility of the User. The user understands that entering an instruction, direction, order, request with ICICI Bank, either electronically or otherwise, does not guarantee execution of such instruction, direction, order or request. ICICI Bank shall not be deemed to have received any instruction, direction, order, request electronically transmitted by the User until it confirms the receipt of such instruction, direction, order, request.

Accuracy of Information :

The User is responsible for the correctness of information supplied to ICICI Bank for access / use of the Application and/or availment of Services through any other means such as electronic mail or written communication. ICICI Bank accepts no liability for the consequences arising out of erroneous information supplied by the User. If the User notices an error in the information supplied to ICICI Bank either in the application form or any other communication, he shall immediately advise ICICI Bank which will endeavour to correct the error wherever possible on a "reasonable efforts" basis.

Liability of the User and ICICI Bank:

Neither ICICI Bank nor its Affiliates shall be liable for any unauthorised transactions occurring through the access / use of the Application and/or availment of Services and the User hereby fully indemnifies and holds ICICI Bank and the Affiliates harmless against any action, suit, proceeding initiated against it or any loss, cost or damage incurred by it as a result thereof. ICICI Bank shall under no circumstance be held liable to the User if the access to Application and/or Services is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of ICICI Bank. Under no circumstances shall ICICI Bank be liable for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. Illegal or improper use of the Application and/or Services shall render the User liable for payment of financial charges as decided by ICICI Bank and/or will result in suspension of the operations through the Application.

Disclaimer of Warranties:

The User expressly agrees that the access / use of the Application and/or availment of Services is at its sole risk. The Application is provided on an "as is" and "as available" basis.

Except as warranted in the Terms, ICICI Bank expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in Application / Services.

ICICI Bank does not warrant that access to the Website and Application and/or Services shall be uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that may be obtained from the Website or use, accuracy or reliability of the Application and/or Services . ICICI Bank does not warrant and shall not be responsible for any delay in carrying on the instructions due to any reason whatsoever, including due to failure of operational systems, technical issues or any requirement of law.

ICICI Bank will not be liable for any virus that may enter the User's system as a result of the User using/accessing the Application and/or during availment of Services . ICICI Bank does not guarantee to the User or any other third party that the Application would be virus free.

Indemnity:

In consideration of ICICI Bank providing the User, access to the Application and/or Services, , the User shall, at his own expense, indemnify and hold ICICI Bank, its directors and employees, representatives, agents and/or the Affiliates, as the case may be, indemnified against all losses and expenses on full indemnity basis which ICICI Bank may incur, sustain, suffer or is likely to suffer in connection with ICICI Bank’s or Affiliates' execution of the User's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing Service through the Application , for any action taken or omitted to be taken by ICICI Bank and /or the Affiliates, its officers, employees or agents, on the instructions of the User. The User will pay ICICI Bank and /or the Affiliates such amount as may be determined by ICICI Bank and/or the Affiliates to be sufficient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature.

Further, the User agrees, at its own expense, to indemnify, defend and hold harmless ICICI Bank, its directors and employees, representatives, agents, and its Affiliates against any claim, suit, action or other proceeding brought against ICICI Bank, its directors and employees, representatives, agents, and Affiliates by a third party, to the extent that such claim, suit, action of other proceeding brought against ICICI Bank, its directors and employees, representatives, agents, and Affiliates is based on or arises in connection with:

1. a violation of the Terms contained herein by the User;
2. any deletions, additions, insertions or alterations to, or any unauthorized use of / access to Application / Service(s) , by the User;
3. any misrepresentation or breach of representation or warranty made by the User contained herein; or
4. any breach of any covenant or obligation to be performed by the User hereunder. The User agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

The User hereby agrees that under no circumstances, ICICI Bank's total aggregate liability for claims relating to ICICI Bank’s obligations contemplated under these Terms, whether for breach or in tort (including but not limited to negligence) shall be limited to the transaction charges/fees or consideration paid by the User within the previous twelve (12) months for use of / access to Application / availing Service(s) , excluding any amount paid towards transactions.

Disclosure of Information:

The User agrees that ICICI Bank and/or Affiliates or their contractors may hold and process his Personal Information and all other information concerning his Account(s) on computer or otherwise in connection with the use of / access to Application / availing Service(s) as well as for analysis, credit scoring and marketing. The User also agrees that ICICI Bank may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of but not limited to participation in any telecommunication or electronic clearing network, in compliance with a legal directive, for credit rating by recognised credit scoring agencies, or for fraud prevention purposes.

*Section 3 of Information Technology Act, 2000 prescribes the procedure for authentication of electronic records, which states that a subscriber may authenticate an electronic record by affixing his digital signature and Section 5 provides legal recognition to digital signature for authentication of electronic records.

However, ICICI Bank has adopted the mode of authentication of the User by means of verification of the Debit Card/ ATM Card number and/or through verification of Password, Debit Card / ATM Card PIN allotted by ICICI Bank to the User or through any other mode of verification as may be stipulated at the discretion of ICICI Bank, which are not recognized under Information Technology Act, 2000 for authentication of electronic records. Therefore, the User is solely responsible to maintain the secrecy and confidentiality of the Password / PIN / Card details without any liability of ICICI Bank in this regard.

Change of Terms:

ICICI Bank shall have the absolute discretion to amend or supplement any of the Terms, Service Terms, Primary Terms or Guidelines at any time and shall give prior notice of one month by hosting the same on the Website or in any other manner as decided by ICICI Bank. The customer/User shall be responsible for regularly reviewing these Terms, Service Terms , Primary Terms, Guidelines and other terms including amendments thereto as may be posted on the Website. Such amended Terms, Service Terms, Primary Terms, Guidelines, other terms will thereupon apply to and be binding on the User at the expiry of one month from the date of notice.

If in the opinion of the User, the changes are to his/her disadvantage, the User may opt to close the Account and/or discontinue with the Service/s , without paying any extra charges or interest, at any time upto two months from the date of the notice by intimating ICICI Bank of the same.

By using any new Services as may be introduced by ICICI Bank, the User shall be deemed to have accepted the changed Terms and additional terms and conditions stipulated by ICICI Bank.

Non-Transferability:

The grant of access to the Application to a User is not transferable under any circumstance and shall be used only by the User.

Termination:

The User may terminate his/her access to the Application and/or discontinue availing of Services ,by unsubscribing his/her registration to the Application. The User shall be required to put in a request on the Application for unsubscribing / terminating . The User shall remain responsible for any transactions made through the Application until the time of such termination.

ICICI Bank may withdraw or terminate the access to the Application and/or discontinue provision of Service(s) anytime either entirely or with reference to a specific Service or User; or in case of breach of Terms by the User without a prior notice; or if it learns of the death, bankruptcy or lack of legal capacity of the User. Clause 12 shall survive the termination of this arrangement or this Application for any reason whatsoever.

Notices:

Notices under these Terms may be given by ICICI Bank and the User in writing by delivering them by hand or by sending them by post to the last address given by the User and in the case of ICICI Bank to its corporate office address as set out hereinabove. In addition, ICICI Bank may also publish notices of general nature, which are applicable to all Users in a newspaper or on its Website. Such notices will have the same effect as a notice served individually to each User. Notice and instructions will be deemed served 7 days after posting or upon receipt in the case of hand delivery, cable, telex or facsimile.

Governing Law:

These Terms and/or the operations in the Accounts of the User shall be governed by the laws of India. The Parties hereby agree that any legal action or proceedings arising out of the Terms shall be brought in the courts or tribunals at Mumbai in India and irrevocably submit themselves to the jurisdiction of such courts and tribunals. ICICI Bank may, however, in its absolute discretion, commence any legal action or proceedings arising out of the Terms in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction. Any provision of the Terms which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of the Terms or affect such provision in any other jurisdiction.

Applicability To Future Accounts:

ICICI Bank and the User agree that if the User opens further Accounts with/subscribes to any of the products/services of ICICI Bank or any of the Affiliates, and ICICI Bank extends the access to Application/ Services to such Accounts or products or services and the User opts for use thereof, then the Terms shall automatically apply to such further use / access by the User.

General:

The clause headings herein are for convenience only and do not affect the meaning of the relative clause. ICICI Bank may sub-contract and employ agents to carry out any of its obligations under this contract. The User would have to ensure that the equipment used for availing of Services / accessing Application meets the criteria as may be specified by ICICI Bank from time to time. All costs incurred by the User including telecommunication costs to access the Application / avail the Service/s would be borne by the User.

As a tool to correct misunderstandings, the User understands, agrees and authorises ICICI Bank, at its discretion, and without further prior notice to the User, to monitor and record any or all telephone conversations or electronic communications between the User and ICICI Bank and any of its employees or agents.

These Terms contain ICICI Bank's entire arrangement (except as otherwise expressly provided herein) and supersede and replace any previously made proposals, representations, understandings and agreements, express or implied, either oral or in writing between the User and ICICI Bank for arrangement contemplated under these Terms . The User acknowledges that it has not relied on any representation made by ICICI Bank or any of its employees or agents and has made its own independent assessment for availing Service/s and/or accessing Application. No third party will have any rights or claims under these Terms.