In this document the following words and phrases shall have the meanings as set below unless the context indicates otherwise:

• "Internet Banking" refers to the internet banking service offered by ICICI Bank to the User including services such as enquiry about balance in the Account, details about transactions in the Account(s), statement of Account, transfer of funds, bill payment and any other service as ICICI Bank may decide to provide from time to time through internet. The availability/non-availability of a particular service shall be communicated to the User through email, web page of ICICI Bank or in writing as may be deemed fit by ICICI Bank. Such Internet Banking may be provided by ICICI Bank directly or through its associates or contracted service providers.
• "Account(s)" or " Accounts" or " Account" refers to the User's bank account(s), credit card account(s), loan / facility account(s), depository account(s) and/or any other type of account(s), so maintained with ICICI Bank or its Affiliate which are eligible Account(s) for purposes of Internet Banking. In the event there is more than one bank account linked to the same User- id, then in every such case, one shall be designated as the Primary Account and all other bank accounts of the User, shall be referred to as Secondary Account(s).
• "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. User " or " User " refers to a customer of ICICI Bank and/or of the Affiliates authorised to use Internet Banking. In case of the User being a minor, the guardian of such minor shall be permitted to use Internet Banking.

• “User” refers to a customer of ICICI Bank and/or of the Affiliates authorised to use Internet Banking by these Terms. In case of the customer being a minor, the guardian of such minor shall be permitted to use Internet Banking upon accepting these Terms and will be considered as a ‘User’.
• “Unauthorised Use” means any usage of Internet Banking which is not in accordance with the Terms.
• 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 its customers.
• " Personal Information " refers to the information provided by the User to ICICI Bank.
• " Terms " refer to terms and conditions herein for use of Internet Banking.
• " 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:
  • 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.
  • the singular includes the plural (and vice versa);
  • reference to the words "include" or "including" shall be construed without limitation;
  • reference to a gender shall include references to the female, male and neuter genders;

• The User shall ensure that Internet Banking or any related service is not used for any purpose which is illegal, improper or which is not authorised under these Terms.
• Facilities are the products and services offered to the User on the Internet banking Channel. 

These Terms form the contract between the User and ICICI Bank for availing Internet Banking. The User shall apply to ICICI Bank in the prescribed form for use of Internet Banking. ICICI Bank shall be entitled at its sole discretion to accept or reject such applications as may be submitted by the Users. By applying for or availing of Internet Banking, the User acknowledges and accepts these Terms. Notwithstanding anything contained herein, all terms and conditions stipulated by ICICI Bank and/or its Affiliates pertaining to the Account(s) and/or to any services/facilities offered by ICICI Bank and/or its Affiliates, shall continue to be applicable to the Users, provided, however, in the event of a conflict in such other terms and conditions stipulated by ICICI Bank and/or its Affiliates and the Terms herein, the Terms shall have an overriding effect. These Terms will be in addition to and not in derogation of the terms and conditions relating to any Account(s) of the User and/or to those relating to services/facilities offered by ICICI Bank and/or its Affiliates and availed by the User. The User agrees that in the event the User avails of any services/ facilities offered by ICICI Bank through the Website, the User shall be bound by all the terms and conditions stipulated by ICICI Bank pertaining to such services/facilities, offered by ICICI Bank and availed by the User through the Website.

Clause as applicable from May 9, 2009:

The User shall have the option of applying for facilities provided by ICICI Bank on Internet Banking. The facility shall be extended to the User subject to the User complying with ICICI Bank's credit parameters and submitting all documents as may be required by ICICI Bank in such form as may be specified by ICICI Bank from time to time. ICICI Bank may in its sole discretion reject the application for the facility by the User.

The User can check the availability of a pre-approved offer that may be made by ICICI Bank to the User through Internet Banking. The eligibility of a User for a facility provided by ICICI Bank shall be decided by ICICI Bank at its sole discretion. Any pre-approved offer by ICICI Bank to the User does not constitute grant of facility to the User and shall be subject to the User complying with ICICI Bank's credit parameters and submitting all documents required by ICICI Bank in such form as may be specified by ICICI Bank from time to time.

The User expressly agrees and acknowledges that in the event the User chooses to apply for a facility provided by ICICI Bank on Internet Banking, 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

The User shall be given a reference number on making an application for a facility provided by ICICI Bank on Internet Banking. The reference number can be used by the User for checking the status of his application for facility with ICICI Bank through Internet Banking or by calling the Call Center of ICICI Bank. The reference number given by ICICI Bank to the User does not constitute grant of facility to the User.

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 Internet Banking. The instructions of the User shall be effected only when such instruction is in accordance with the prescribed procedure.

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 Internet Banking or purporting to have been sent by the User other than by means of verification of the Internet Banking User-Id and 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 operation of Internet Banking 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 use of the Internet Banking, including the time the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transaction. While ICICI Bank and the Affiliates shall endeavor 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 or any requirement of law. All the transactions arising through the use of the Internet Banking to operate a joint account shall be binding on all the joint account holders, jointly and severally.

• Information on the site: The information provided to the User through the Internet Banking is not updated continuously but at regular intervals. Consequently, any information supplied to the User through Internet Banking 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 Internet Banking in the absence of clear proof that ICICI Bank's records are erroneous or incomplete.
• Exchange rates: In case of any request for a service relating to any foreign currency transaction made by the User, the exchange rates quoted by ICICI Bank shall only be provisional and shall be subject to future variations in the exchange rate. The rate at which the transaction is given effect to would be the effective rate for all intents and purposes.
• Documentation: Any request for any service/facility, which is offered as a part of Internet Banking, 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 supported by requisite documentation to be provided by the User, ICICI Bank shall not be required to act on the request until it receives such documentation from the User.
• Debit Authority:: In the event the User gives an instruction to ICICI Bank to debit his/her Account for payment of an amount from the Account, the instruction shall be executed on a real time basis unless otherwise specified by ICICI Bank to the User. Hence the User shall not be able to give any instruction to ICICI Bank to stop the payment from the Account and the amount debited from the Account shall not be reversed back to the Account. However if the User has scheduled a transaction to be processed on a future date and wishes to cancel the transaction and/or give any instructions to ICICI Bank to stop the payment from the Account , the User shall be required to make such cancellations / give stop payment instructions online one day prior to the schedule date of the transaction.
• Maintenance of Sufficient Balance : The User shall ensure that there are sufficient funds (or prearranged credit facilities) in any Account for transactions through the Internet Banking, 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 Internet Banking 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 Internet Banking as determined by ICICI Bank from time to time by debiting one of the Accounts. 
  ICICI Bank may withdraw the provision of Internet Banking, 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.
• Instructions : All instructions for Internet Banking 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/or Affiliates and the same shall be considered to be sufficient to operate the Internet Banking. 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 Internet Banking 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 Internet Banking. 
  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, either electronically 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 use of the Internet Banking / while using any facility of Internet Banking or 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 endeavor to correct the error wherever possible on a "reasonable efforts" basis.
• 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 Internet Banking 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 User Id and/or through verification of Password, debit card PIN allotted by ICICI Bank to the User or through any other mode of verification as may be stipulated from time to time 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 PIN 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 and/or terms and conditions stipulated by ICICI Bank and/or its Affiliates pertaining to the Accounts and/or to any services/facilities offered by ICICI Bank and/or its Affiliates at any time and shall give prior notice of one month (except for change in interest rates) by hosting the same on the Website or in any other manner as decided by ICICI Bank. The Customer shall be responsible for regularly reviewing these Terms and the terms and conditions stipulated by ICICI Bank and/or its Affiliates including amendments thereto as may be posted on the Website. Such amended Terms and terms and conditions stipulated by ICICI Bank and/or its Affiliates 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 Internet Banking, without paying any extra charges or interest, at any time up to 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 terms and conditions stipulated by ICICI Bank and/or its Affiliates.
• Non-Transferability :: The grant of Internet Banking to a User is not transferable under any circumstance and shall be used only by the User.
• 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 shall also have the right to publish notices of general nature, which are applicable to all Users in a newspaper or on its web site located at www.icicibank.com. 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.
• 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 Internet Banking to such Accounts or products or services and the User opts for use thereof, then the Terms shall automatically apply to such further use of the Internet Banking by the User.
• Clause Headings:: 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. Internet Banking service would be available to the Users in certain cities only and during timings specified by ICICI Bank from time to time and transactions would be carried out on the same day or on the next working day depending upon the time of logging of the transaction. The User would have to ensure that the equipment used for availing of Internet Banking meets the criteria as may be specified by ICICI Bank from time to time. All costs incurred by the User including telecommunication costs to use the Internet Banking 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. 
  The 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 Internet Banking. 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 of Internet Banking. No third party will have any rights or claims under these Terms.
• Assignment : ICICI Bank shall be entitled to sell, assign, securitise or transfer ICICI Bank's right and obligations under the Terms and any security being in favour of ICICI Bank (including all guarantee/s) to any person of ICICI Bank's choice in whole or in part and in such manner and on such terms and conditions as ICICI Bank may decide. Any such sale, assignment, securitisation or transfer shall conclusively bind the User and all other persons. The User, his heirs, legal representatives, executors, administrators and successors are bound by the Terms. ICICI Bank may sub-contract and employ agents to carry out any of its obligations under this contract. However, the User shall not be entitled to transfer or assign any of his rights and obligations hereunder.
• Right of set-off and Lien : ICICI Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future, on the deposits/scrips held in the Account(s) or in any other account, whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the Internet Banking extended to and/ or used by the User.
• Communications through Electronic means : Documents sent by electronic delivery will contain all the information as it appears in the printed hard copy version as prepared and distributed by the originator, with the possible exception of graphic insertions such as photographs or logotypes. Electronic delivery may be in the form of an electronic mail, an attachment to the electronic mail, or in the form of an available download from the Website. ICICI Bank would be deemed to have fulfilled its legal obligation to deliver to the User any document if such document is sent via electronic means. Failure to advise ICICI Bank of any difficulty in opening a document so delivered within twenty-four (24) hours after delivery shall serve as an affirmation regarding the acceptance of the document.

The User would be allotted an Internet Banking User-id and a set of secret passwords by ICICI Bank in the first instance.

• The User will be required to change the password assigned by ICICI Bank on accessing Internet Banking for the first time. As a safety measure, the User shall change the password as frequently thereafter as possible. The User acknowledges, represents and warrants that the password which will be issued to it, provides access to the Account 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 all orders and information changes (i.e., change of address) entered into Accounts using such password. If the User forgets the Internet Banking password or the Internet Banking Password gets locked after a number of incorrect attempts, up to such number as may be intimated by ICICI Bank from time to time, then the User may request for the issue of a new password through the ICICI Bank 24-Hour Customer Care Centre, Internet Banking Channel or the ICICI Bank Branch and this shall not be construed as the commencement of a new contract. Such Password may be issued within such time as may be intimated by ICICI Bank from time to time. 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 access of the Internet Banking and the User shall fully indemnify and hold harmless ICICI Bank and the Affiliates 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 or through Unauthorised Use 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.
• The User shall also be given a one-time facility to change the User-id to such User-id as may be suggested by ICICI Bank or as per User's own discretion. The aforesaid facility shall be available to Users only after logging in to Internet Banking, The User unconditionally undertakes to have the User-id of such number of letters/digits as may be notified by ICICI Bank at the time the User attempts to change the User-id and ensure that the same is kept confidential; and to not let any third party have access to the User's Account while the User is accessing the Internet Banking. If the User forgets the User-id or the same gets disabled after a number of incorrect password attempts, up to such number as may be intimated by ICICI Bank from time to time, then the User may request for the re issue of his User id through the ICICI Bank 24-Hour Customer Care Centre or the ICICI Bank Branch and this shall not be construed as the commencement of a new contract.
• In addition to User-id and password ICICI Bank may, at its discretion, advise the User to adopt such other means of authentication including but not limited to digital certification and/ or smart cards. The User shall not attempt or permit others to attempt accessing the Account information stored in the computers of ICICI Bank through any means other than the Internet Banking.
• The User shall take all necessary precautions to prevent Unauthorised Use and unauthorized or illegal access by any person other than the User to the Accounts provided by Internet Banking. ICICI Bank shall take all commercially reasonable care to, ensure the security of and to prevent access to the Internet Banking by any person other than the User using commercially reasonable technology available in India to ICICI Bank.

In case of Joint Accounts, transactions through Internet Banking, shall be available if the mode of operation is indicated as 'either or survivor' or 'anyone or survivor'. The User desirous of using the Internet Banking should either be the account holder and sole signatory or authorised to act independently in case of a joint account. For such joint accounts, only one User-id and password for Internet Banking will be issued to the joint account holders when requested. The other joint account holders shall expressly agree with the arrangement and give their consent on the application form for use of Internet Banking. In case of joint accounts operated by more than one User, 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 Internet Banking in the joint account shall be binding on all the joint account holders, jointly and severally.

ICICI Bank reserves the right to charge and recover from the User, service charge for providing the Internet Banking (including but not limited to the right of charging the User for the use of funds transfer through e-Cheques). 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 of Internet Banking without any liability to ICICI Bank.

• Prepaid Mobile Recharge / DTH Recharge: The User accepts that he will be responsible for keying in the correct details of the prepaid mobile number/ DTH Account Number and amount for which the recharge is requested. In no case shall ICICI Bank be held liable for any erroneous transactions incurred, arising out of or relating to the User entering wrong details of the prepaid mobile number / DTH account number, operator, circle and/or amount for the recharge request. 
  ICICI Bank will endeavor to provide payment option for prepaid mobile recharge / DTH recharge request received through Internet or Mobile Banking subject to availability of sufficient funds in the specified Account. ICICI Bank shall at its own sole discretion, specify from time to time, the minimum and maximum transaction size for each recharge request and shall be at liberty not to accept any recharge request which do not meet such specifications. 
  ICICI Bank shall be responsible for only accepting payment from the User and communicating the request to Aggregator. All subsequent activities, including but not limited to, recharge processing etc, will be carried out Aggregator with the help of operators. ICICI Bank shall not be responsible for any of the above mentioned activities of Aggregator and does not make any representation, warranty or undertaking in respect of such activities or the service levels of Aggregator in relation to such requests. User needs to confirm the validity, talk time limit, recharge related query from respective operator. The User acknowledges that there may be delays or deficiencies in service levels by third party service providers, for which ICICI Bank cannot accept any liability. 
  ICICI Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond its reasonable control. ICICI Bank reserves the right to charge the User for the use of the Prepaid Mobile Recharge/ DTH Recharge facility by giving due notice on the Website about such charges. This facility is also subject to charges of respective Operator of Prepaid Mobile Recharge / DTH Recharge, which will be notified on the Website from time to time. The User's Account will be debited for the total amount for prepaid mobile recharge / DTH recharge as applicable and ICICI Bank charges, if any.
• Transactions in Depository Account through Internet Banking : ICICI Bank shall install adequate systems to restrict the access of the transaction statement of depository account only to the User. The User shall take all the necessary steps to ensure confidentiality and secrecy of the login name and password allotted by ICICI Bank in this regard. The User permits ICICI Bank to provide the transaction statement of the depository account through internet (web-based and/or email). The User is aware that the transaction statement may be accessed by other entities in case the confidentiality / secrecy of the login name and password is compromised. In case the User opts for transaction statement through email, it shall immediately inform ICICI Bank about change in email address, if any, through Internet Banking or any other mode prescribed by ICICI Bank. ICICI Bank shall verify and confirm with the User about the change. ICICI Bank shall confirm with the User about validity of the email address atleast once in a year. 
  The User agrees not to receive transaction statement in paper form from ICICI Bank. Provided however that, in case when the ICICI Bank is not able to provide transaction statement to its Users through internet (web-based / email) due to any unforeseen problems, ICICI Bank should ensure that the transaction statement reaches to the User in physical form as per the time schedule stipulated in the Bye Laws & Business Rules of National Securities Depositary Limited and at the mailing address provided by the User to ICICI Bank at the time of availing of the facility, or as changed and notified, from time to time. 
  The above terms are in addition to and not in contravention of the terms and conditions forming a part of the "AGREEMENT BETWEEN THE PARTICIPANT AND THE PERSON SEEKING TO OPEN AN ACCOUNT WITH THE PARTICIPANT" signed by the User at the time of opening the account with the Depositary.
• Hot Payment Facility : ICICI Bank provides the facility of payment for transactions executed on internet through different merchant sites. ICICI will execute such transactions only for the sites where it has a direct / aggregator relationship and will be responsible for transferring the amount debited from the Account to the service provider's account. In no event shall ICICI Bank be held responsible for any informational content on any such other site. 
  The User agrees and accepts the services provided by ICICI Bank Limited ("the bank") at his/their request to carry out his hot payments through Infinity instructions on his/their account, given by him/them. The User has no objection whatsoever, to the Shopping Mall providing his/their billing details to the Bank. While the Bank will take all reasonable steps to ensure the accuracy of the payment details, the Bank is not liable for any error. The User shall not hold the Bank responsible for any loss, damages, etc. that may be incurred/suffered by him/them, if the information contained turns out to be inaccurate/incorrect. The User agrees that any dispute on Payment details will be settled directly with the Shopping Mall and the Bank’s responsibility is limited to provision of information only. The User agrees that he will make payments of bill amount as required by the Shopping Mall. The User will not hold the Bank responsible for the Shopping Mall rejecting the payment amount because of incorrect or incomplete entries. 
  The User agrees that the record of the instructions given and transactions with the Bank shall be conclusive proof and binding for all purposes and can be used as evidence in any proceeding. The User agrees that charges, if any, for the hot payment facility services will be at the sole discretion of the Bank and the Bank is at liberty to vary the same from time to time, without giving any notice. The User agrees that the Bank will not be responsible for the delivery of any item purchased by the him/them or the condition of the item when it is delivered. The Bank’s role is restricted to provision of information and payment service only. All disputes regarding delivery / condition of goods are to be taken up directly with the Shopping Mall. All refunds due to non-delivery of goods / rejection of the goods will be done at the request of the Shopping Mall. The User agrees that the Bank is at liberty to withdraw at anytime the Hot Payment facility, or any services provided thereunder, in respect of any or all the account(s) without assigning any reason whatsoever, without giving him/them any notice.
• ICICI Home Finance FD : By placing the request to open ICICI Home Finance Company (“ICICI HFC”) fixed deposit through Internet banking, the User authorizes ICICI Bank to debit the Account immediately on placing the request on the Website and remit the funds to ICICI HFC. The User agrees that he / she shall be required to provide requisite documents and complete other requisite formalities as shall be required by ICICI HFC from time to time in order to successfully open the fixed deposit with ICICI HFC . ICICI HFC may at its sole discretion, accept/reject the application form on such terms and conditions as it may deem fit. In case of rejection of the application form, ICICI HFC shall be solely responsible to refund the amount to the User in a manner as deemed fit by ICICI HFC without any involvement of ICICI Bank and the User shall not hold ICICI Bank responsible at any time as regards any concerns /claims etc which the User may have for the application rejected by IHFC . The User agrees that in case of rejection of the application form by ICICI HFC, no interest shall accrue to the fixed deposit amount from the date of placing of the request on the Website.
• I-Wish :http://iwish.icicibank.com/iwish-tnc.html
• Kide Account:https://www.icicibank.com/Personal-Banking/account-deposit/young-stars/terms-conditions.html
• My Money from ICICI Bank : As a value added service, ICICI Bank has tied up with Yodlee in providing you with My Money from ICICI Bank service, the Account aggregator service, (the "MM Service"). This MM Service is offered to you by Yodlee, by virtue of you being a Net Banking customer of the Bank, and you having clicked on the "Go to My Money" tab on the User's Internet Banking "logged-in" section, for availing the said Service on the terms and conditions contained herein. 
  The MM Service provides Users with a software which performs the function of an aggregator, whereby Users would be permitted to view certain of their financial information on the internet. The selection of the financial information User can aggregate through the software shall depend on the policy of ICICI Bank from time to time. The software which is used for the availing of the Services is a third party software; ICICI Bank, cannot and does not, therefore make any representations in respect of the software, its functionalities or its features. ICICI Bank understands that the software would permit Users to retrieve and view their financial information which is available at certain identified web sites, all at one place. It is in this regard, that the information would be aggregated for the User. However, in the event of any inadequacy in the performance of the software, Users are requested to contact ICICI bank so that we may address the issues on behalf of the Users, with the software vendors. . The Service is currently provided to Users at Rs 300/- + ST per annum, as service fee or transaction fee. ICICI Bank however reserves the right to modify these fees and charges. 
  However ICICI Bank shall not modify any of these fees and charges without first notifying User electronically or otherwise of ICICI Bank's intention in this regard. This intimation shall be provided to User on the Net Banking platform of ICICI Bank. 
  The MM Service provided by ICICI Bank is a value added service and is for information purposes only . The User acknowledges and agrees that MM Service only aggregates / consolidates the financial information, as provided by the User, with regard to the various relationships maintained by the User with ICICI Bank through the Account for reference purposes only. The User shall not be able to carry out any financial transactions using MM service . On using MM Service for the first time, the User shall be able to view the aggregated information with regard to the various relationships maintained by the User with ICICI Bank based on the financial information available with ICICI Bank for the last 90 days. Subsequently the aggregated information will take into account the additional information including the information of aforesaid 90 days but excluding the information prior to the said period of 90 days. The information is aggregated once in every 24-hour period and hence the aggregate information shall be updated only to that extent. MM Service only represents to the User goal setting, expense budgeting or such other facility as shall be provided from time to time at the discretion of ICICI Bank. 
  MM Service provides the consolidated financial status of the User based on the information aggregated from the various financial relationships maintained by the User with ICICI Bank through Internet banking. The User acknowledges that the consolidated financial status computed by MM Service is on as results are promised or assured by ICICI Bank nor is the result based on any universal formula. ICICI Bank does not warrant, guarantee or make any representations and the User of the information shall assumes the entire risk as to the suitability, use, results of use or inability to use the information in terms of timeliness, truthfulness, sequence, completeness, accuracy, reliability, correctness, performance or otherwise. ICICI Bank does not warrant that the information will be uninterrupted or free of any error, omission, defect, shortcoming or limitation of any nature. The User waives any claim, issues or complaints against ICICI Bank arising as a result of reliance upon the information provided through MM Service. ICICI Bank disclaims all or any warranties express or implied or statutory including, without limitation any implied warranties arising from the trade, usage, course of dealing, or performance or any implied warranties of merchantability and/or fitness for a particular purpose with respect to the information. The use of any information set out through MM Service is entirely at the recipient's own risk. ICICI does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out herein. 
  The User can also compute the tax liability using the tax calculator feature of MM Service which is based on the prevalent applicable laws, rules & regulations as shall be applicable from time-to-time. The tax calculator is merely indicative and for general understanding and reference purpose only. The User need to verify all the facts, law and contents with the text of the prevailing statutes and seek appropriate professional advice before acting on the basis of any information contained herein as the taxation implications may vary depending upon the facts in each case, accounting standards, interpretation by tax authorities and the tax laws are subject to change from time to time. ICICI Bank expressly disclaims any liability to any person, in respect of any act or omission by any such person by placing reliance upon the tax calculator. The MM Service does not / is not intended to constitute advise of tax/ legal/ accounting/ financial/ other professionals and is just an indicative tool and not a definitive statement on tax liability of the User. Recipients of the information contained herein should exercise due care and caution prior to taking of any decision, acting or omitting to act, on the basis of the tax calculator / other services provided through MM Service. 
  The User may additionally opt to receive alerts regarding account information on his/her registered mobile number and/or email. To please note that the emails and sms alerts shall be sent only to customers who have registered themselves under the applicable terms and conditions prescribed by ICICI Bank. 
  Amongst other financial information consolidated, the User shall also have access to details in his/her demat account maintained with ICICI Bank in capacity of ICICI Bank being depository participant . Please note that market prices of the dematerialised securities held by the User are received from the National Stock Exchange (NSE) and ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness or correct sequence of any content presented by NSE. 
  Even though ICICI Bank shall on a best effort basis keep updating the market prices of securities held by the User, the prices displayed may not be as per last updation done by NSE. In the event the markets are closed, prices displayed shall be the previous trading session's closing prices. Every day when the User logs in to find the market prices of securities held by him/her, the previous days prices shall reflect and therefore the same would be required to be refreshed. The information is subject to change, updation, revision, verification and amendment without notice and such information may change materially. 
  NA indicates that market price is not available for the given script from the stock exchange concerned. 
  The User can also view details of his ICICI Bank's loan/facility account through MM Service. This feature shows a User his loan amount / facility amount outstanding. The loan/facility amount outstanding represents only the principal amount outstanding on the loan/facility and does not include applicable interest and/or other applicable rates / charges. The information contained / data generated herein may be subject to change, updation, revision, verification and amendment without notice and such information/data generated may change materially. 
  Additionally in order to give the User the benefit of viewing his net worth, a couple of assets and liability options have been added as a feature to the MM service. The User can choose from the options and fill in the amount which shall be incorporated in the total calculation of the net worth. The net worth would be a reflection of data fed by the User and ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness or correct sequence of any content presented such information and the resultant data is provided only for User's convenience and information purposes. ICICI Bank does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the User for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy. The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advise of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. ICICI Bank shall not be liable for any loss arising from the use of this service. The information and/ or intellectual property contained is strictly confidential, meant solely for the selected recipient, and may not be altered in any way, nor transmitted copied or distributed in part or in whole to any other person or to the media, or reproduced in any form without prior written consent of ICICI Bank or the relevant owner of the intellectual property as the case may be. "ICICI Bank" and "I-man" logos are the trademark and property of ICICI Bank Limited. 
  MM Service does not support overdraft facility extended on Savings Bank accounts. 
  No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the Money Manager services against ICICI Bank. Neither ICICI Bank nor any of its agents or licensors or group companies shall be liable to User for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein. 
  ICICI Bank reserves the right to charge and recover from the User, service charge for providing MM Service. 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 of MM Service without any liability to ICICI Bank. 
  No reliance may be placed for any purpose whatsoever on the information aggregated through MM Service or on its completeness. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially. 
  ICICI Bank currently avails and may in future at its sole discretion avail of services from various service providers, in relation to providing the MM Services to the User. You agree that the MM Services are being provided to you by ICICI Bank subject to these terms and conditions and are in addition to Internet banking terms and conditions and any other additional terms as may be specified by ICICI Bank from time to time and that pursuant thereto you shall not make any claim on such service providers with respect to your access or use of the Money Manager services. 
  ADDITIONAL TERMS AND CONDITIONS FOR THE USE OF MM SERVICES ON AGGREGATION OF NON- ICICI BANK/ THIRD PARTY FINANCIAL/NON FINANCIAL INSTITUTION ACCOUNTS/ SERVICES 
  The MM Service, pertaining to aggregation of third party accounts, is being hosted on ICICI Bank subdomain. However the underling data and graphical elements are being generated and provided by the service provider for display through ICICI Bank website. ICICI Bank does not take any liability for the authenticity or the accuracy of the data contained therein. For further clarity, we request our Users to view the terms of service and privacy policy of the aggregator that is provided at the end of this document. By using the Service, you authorize the aggregator to access third party account Web sites designated by you, on your behalf, to retrieve account information requested by you; and you hereby appoint the aggregator as your agent for this limited purpose. 
  You hereby represent to us and the aggregator that you are a legal owner of the account(s) and have the authority to designate the aggregator as your agent, use this Service and to give the aggregator your passwords, User names and all other information you provide. The Service does not have the capability to initiate transactions affecting your third party financial accounts or provide notices or instructions affecting such financial accounts. 
  Transactional and informational activities initiated by you at such sites are not made through the Service and ICICI Bank, or the aggregator assumes no responsibility for such activities. 
  You are responsible for all charges associated with third party accounts and agree to comply with the terms of those services. In this regard, you consent to grant the aggregator the power to access third party sites, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done, in connection with such activities, as fully to all intents and purposes as you might or could do in person. 
  YOU ACKNOWLEDGE AND AGREE THAT WHEN THE AGGREGATOR IS ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, THEY ARE ACTING AS YOUR AGENTS, AND NOT THE AGENTS OR ON BEHALF OF THE BANK/THIRD PARTY. ICICI BANK SHALL NOT BE LIABLE FOR ANY CLAIMS OR DAMAGES ARISING IN THIS REGARD. 
  For availing of the Service, you would be required to provide the software with such information as may be required by Yodlee ("the aggregator"), upon receipt of which, that software would make available information from the designated web-sites. 
  We respect your privacy, and expect you to respect the privacy of other members on the Service. We do not intend to store any of the passwords of the other Banks that you would provide to the aggregator. Our general privacy policy is incorporated into, and made part of this Agreement. You can view our Privacy Policy at http://www.icicibank.com/privacy.html. 
  We understand that there could be a possibility of other web-sites preventing the aggregator from aggregating the information. In such an event, the aggregator would not be able to collect and provide to you the desired information. ICICI Bank or the Aggregator shall not be responsible in any manner for any such inability to access the desired information. The Services may be affected by any changes that may be made by the operators of the web-sites in the web-site from where the information is sought to be aggregated. In such an event the aggregator shall attempt to redress the problem and ensure the availability of the Service as soon as may be possible. 
  Note: The product Money Manager has been discontinued. The Service My Money is offered to the Users now. 
  Disclaimer: "ICICI Bank may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products/services."
• Money Manager :The Money Manager service provided by ICICI Bank is a value added service and is for information purposes only . The User acknowledges and agrees that Money Manager only aggregates / consolidates the financial information, as provided by the User, with regard to the various relationships maintained by the User with ICICI Bank through the Account for reference purposes only. The User shall not be able to carry out any financial transactions using Money Manager service . On using Money Manager for the first time, the User shall be able to view the aggregated information with regard to the various relationships maintained by the User with ICICI Bank based on the financial information available with ICICI Bank for the last 90 days. Subsequently the aggregated information will take into account the additional information including the information of aforesaid 90 days but excluding the information prior to the said period of 90 days. The information is aggregated once in every 24-hour period and hence the aggregate information shall be updated only to that extent. Money Manager only represents to the User goal setting, expense budgeting or such other facility as shall be provided from time to time at the discretion of ICICI Bank. 
  Money Manager provides the consolidated financial status of the User based on the information aggregated from the various financial relationships maintained by the User with ICICI Bank through Internet banking. The User acknowledges that the consolidated financial status computed by Money Manager is on as results are promised or assured by ICICI Bank nor is the result based on any universal formula. ICICI Bank does not warrant, guarantee or make any representations and the User of the information shall assume the entire risk as to the suitability, use, results of use or inability to use the information in terms of timeliness, truthfulness, sequence, completeness, accuracy, reliability, correctness, performance or otherwise. ICICI Bank does not warrant that the information will be uninterrupted or free of any error, omission, defect, shortcoming or limitation of any nature. The User waives any claim, issues or complaints against ICICI Bank arising as a result of reliance upon the information provided through Money Manager. ICICI Bank disclaims all or any warranties express or implied or statutory including, without limitation any implied warranties arising from the trade, usage, course of dealing, or performance or any implied warranties of merchantability and/or fitness for a particular purpose with respect to the information. The use of any information set out through Money Manager is entirely at the recipient's own risk. ICICI does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out herein. 
  The User can also compute the tax liability using the tax calculator feature of Money Manager which is based on the prevalent applicable laws, rules & regulations as shall be applicable from time-to-time. The tax calculator is merely indicative and for general understanding and reference purpose only. The User need to verify all the facts, law and contents with the text of the prevailing statutes and seek appropriate professional advice before acting on the basis of any information contained herein as the taxation implications may vary depending upon the facts in each case, accounting standards, interpretation by tax authorities and the tax laws are subject to change from time to time. ICICI Bank expressly disclaims any liability to any person, in respect of any act or omission by any such person by placing reliance upon the tax calculator. The Money Manager service does not / is not intended to constitute advise of tax/ legal/ accounting/ financial/ other professionals and is just an indicative tool and not a definitive statement on tax liability of the User. Recipients of the information contained herein should exercise due care and caution prior to taking of any decision, acting or omitting to act, on the basis of the tax calculator / other services provided through Money Manager. 
  The User may additionally opt to receive alerts regarding account information on his/her registered mobile number and/or email. To please note that the emails and SMS alerts shall be sent only to customers who have registered themselves under the applicable terms and conditions prescribed by ICICI Bank. 
  Amongst other financial information consolidated, the User shall also have access to details in his/her demat account maintained with ICICI Bank in capacity of ICICI Bank being depository participant . Please note that market prices of the dematerialised securities held by the User are received from the National Stock Exchange (NSE) and ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness or correct sequence of any content presented by NSE. 
  Even though ICICI Bank shall on a best effort basis keep updating the market prices of securities held by the User, the prices displayed may not be as per last updation done by NSE . In the event the markets are closed, prices displayed shall be the previous trading session's closing prices. Every day when the User logs in to find the market prices of securities held by him/her, the previous days prices shall reflect and therefore the same would be required to be refreshed. The information is subject to change, updation, revision, verification and amendment without notice and such information may change materially. 
  NA indicates that market price is not available for the given script from the stock exchange concerned. 
  The User can also view details of his ICICI Bank's loan/facility account through Money Manager. This feature shows a User his loan amount / facility amount outstanding. The loan/facility amount outstanding represents only the principal amount outstanding on the loan/facility and does not include applicable interest and/or other applicable rates / charges. The information contained / data generated herein may be subject to change, updation, revision, verification and amendment without notice and such information/data generated may change materially. 
  Additionally in order to give the User the benefit of viewing his net worth, a couple of assets and liability options have been added as a feature to the Money Manager service. The User can choose from the options and fill in the amount which shall be incorporated in the total calculation of the net worth. The net worth would be a reflection of data fed by the User and ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness or correct sequence of any content presented Such information and the resultant data is provided only for User's convenience and information purposes. ICICI Bank does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the User for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy. The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advise of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. ICICI Bank shall not be liable for any loss arising from the use of this service. The information and/ or intellectual property contained is strictly confidential, meant solely for the selected recipient, and may not be altered in any way, nor transmitted copied or distributed in part or in whole to any other person or to the media, or reproduced in any form without prior written consent of ICICI Bank or the relevant owner of the intellectual property as the case may be. "ICICI Bank" and "I-man" logos are the trademark and property of ICICI Bank Limited. 
  Money Manager does not support overdraft facility extended on Savings Bank accounts. No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the Money Manager services against ICICI Bank. Neither ICICI Bank nor any of its agents or licensors or group companies shall be liable to User for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein. 
  ICICI Bank reserves the right to charge and recover from the User, service charge for providing Money Manager service. 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 of Money Manager without any liability to ICICI Bank. 
  No reliance may be placed for any purpose whatsoever on the information aggregated through Money Manager or on its completeness. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially. ICICI Bank currently avails and may in future at its sole discretion avail of services from various service providers, in relation to providing the Money Manager services to the User. You agree that the Money Manager services are being provided to you by ICICI Bank subject to these terms and conditions and are in addition to Internet banking terms and conditions and any other additional terms as may be specified by ICICI Bank from time to time and that pursuant thereto you shall not make any claim on such service providers with respect to your access or use of the Money Manager services. 
  ADDITIONAL TERMS AND CONDITIONS FOR THE USE OF INTUIT SERVICES ON AGGREGATION OF NON- ICICI BANK/ THIRD PARTY FINANCIAL INSTITUTION ACCOUNTS/ SERVICES 
  Your use of the Services provided by Intuit are subject to the terms and conditions provided by Intuit, in addition to the terms and conditions provided herein below with respect to the use of the Services along with terms and conditions governing ICICI Bank internet banking services and Money Manager services. Capitalized terms used herein but not defined shall have the same meaning as defined under ICICI Bank internet banking services. 
  Intuit's terms and conditions shall prevail in the event of any conflict or inconsistency between these terms and the terms and conditions provided by Intuit on their website with regard the Services. To the extent of applicability and determining ICICI Bank's role and responsibility, the Instant Terms and ICICI Bank internet banking terms and conditions shall prevail. 
  "Services" shall mean such online and other services provided by Intuit, on its website, including but not limited to the content, updates and new releases, aggregation of non-ICICI Bank/ Third party financial institutions in order to arrive at the expenses, investments, transactions etc carried out by you. 
  "FI Services" shall mean the products/ services provided by third party financial institutions online/ through its net banking services. 
  In the event the User intends to avail Services and thereby wishes to aggregate his/her non-ICICI Bank accounts/ third party financial institution bank accounts, he/ she shall be directed to a webpage which is owned, controlled and managed by Intuit on its website . User to please note that this webpage is not endorsed by ICICI Bank. The User acknowledges, understands and agrees that ICICI Bank has no role or responsibility once the User leaves ICICI Bank website and/or is re-directed to Intuits Website. The User acknowledges, understand and agrees that by redirecting the User to Intuit's website, the and further acknowledges and agrees such website is not owned, controlled or endorsed by ICICI Bank including but not limited to the contents thereon, the provisions of Services and other services as provided/ made available by Intuit on its website. ICICI Bank does not undertake any liability or responsibility for the details, accuracy, completeness or correct sequence of any content or information provided in the linked site/ Intuit's Website. 
  You acknowledge that use of Intuit's website and/or availment of Services / other products and services as made available through Intuit's website are at your sole discretion and your own evaluation of the risks involved. ICICI Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by User /third party in reliance on anything set out on the Intuit's website and/or by availment of Services / other products and service made available by Intuit on its website. 
  The User waives any claim, issues or complaints against ICICI Bank arising as a result of reliance upon the information provided by Intuit either through its website or otherwise. ICICI Bank disclaims all or any warranties express or implied or statutory including, without limitation any implied warranties arising from the trade, usage, course of dealing, or performance or any implied warranties of merchantability and/or fitness for a particular purpose with respect to the information provided by Intuit. 
  The User is aware and accepts that the use of Intuit's website is subject to the terms of use and other terms and guidelines, if any, provided by Intuit on its website or otherwise.
• Definitions:
• Payee Registration Confirmation " refers to confirmation of Payee Registration to whom User will transfer Fund(s).
• “ Payer ” refers to the person who holds the Debit Account(s).
• “ Payee ” refers to the person to whom the Payer will transfer Fund(s).
• “ Debit Account(s) ” refers to any account(s) of the Payer maintained with any bank for which a valid ECS debit mandate has been procured in accordance with the ECS guidelines prescribed by the Reserve Bank of India.
• “ Credit Account(s) ” refers to any Account(s) of the Payee / User maintained with ICICI Bank for which a valid ECS debit mandate has been given by the Payer in accordance with the ECS guidelines prescribed by the Reserve Bank of India.
• “ Receive Funds Facility ” refers to transfer of funds to the Account of the User from the Debit Account of the Payer.
• “ Last date for edit ” refers to the date before which the User can choose to cancel/modify the Payment Instruction.
• “ Payment Date ” refers to the date indicated for a credit into the Account by the User in the Payment Instruction.
• “ Payment Instruction ” refers to instructions given by the User for a credit transaction to the Account.
• Funds transfer through Internet Banking:
• Funds transfer to Own ICICI Account: This option facilitates the User to transfer funds from his own account to another account linked in the same User Id only. The User accepts that he will be responsible for selecting the correct account from which he wants to transfer and account to which he wants to transfer. In no case, ICICI Bank will be liable for any erroneous transactions incurred arising out of or relating to the User selecting the rong account numbers.
• Funds transfer to Other ICICI Bank Account: The User accepts that he will be responsible for keying in the correct account number, amount and other details as may be required for the fund transfer request. In no case, ICICI Bank will be liable for any erroneous transactions incurred arising out of or relating to the User entering wrong account numbers. Further, ICICI Bank shall not be liable if the Add Payee option gets locked after a number of consecutive incorrect attempts, as may be intimated by ICICI Bank from time to time, in this case customer will have to re-initiate the process. 
  The User shall not use or attempt to use the Internet Banking for funds transfer through eCheques without sufficient funds in the relative Account or without a pre-existing arrangement with ICICI Bank for the grant of an overdraft. ICICI Bank will endeavour to effect funds transfer transaction received through Internet Banking subject to availability of sufficient funds in the Account and Confirmation of Payee Registration by the User. ICICI Bank shall specify from time to time the limit for carrying out various kinds of funds transfer or any other services through Internet Banking. The said facility will be provided in accordance with the arrangement between ICICI Bank and the Affiliates and as per conditions specified by ICICI Bank from time to time. 
  ICICI Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond its reasonable control including non-confirmation of Payee Registration. ICICI Bank reserves the right to charge the User for the use of funds transfer through eCheques by giving due notice on the website about such charges.
• Fund transfer to Non ICICI Bank using NEFT: /content/dam/icicibank/india/managed-assets/docs/terms-condition/TERMSANDCONDITIONSNEFT.pdf
• Fund transfer to Non ICICI Bank using RTGS: /content/dam/icicibank/india/managed-assets/docs/terms-condition/RTGS_TERMSAND_CONDITIONS.pdf
• Fund transfer through IMPS: /content/dam/icicibank/india/managed-assets/docs/terms-condition/imps-tnc.pdf
• Smart Money Order: The User accepts that he will be responsible for keying in the correct details of the sender and receiver for the money order transfer request. In no case shall ICICI Bank be held liable for any erroneous transactions incurred, arising out of or relating to the User entering wrong details of the sender and/or the receiver. 
  The Smart Money Order facility will be provided in accordance with the arrangement between ICICI Bank and India Post (The Department of Posts, Ministry of Communications and Information Technology, Government of India) and conditions pertaining to such arrangement shall be specified by ICICI Bank from time to time. The User shall not use or attempt to use the Internet Banking for making an online request for money order without sufficient funds in the specified Account. ICICI Bank will endeavour to process the money order request received through Internet Banking subject to availability of sufficient funds in the specified Account. ICICI Bank shall at its sole discretion, specify from time to time, the minimum and maximum transaction size for each money order request and shall be at liberty not to accept any money order request which do not meet such specifications. 
  ICICI Bank shall be responsible for only accepting the money order requests from the User and communicating the request to India Post. All subsequent activities, including but not limited to, delivery of money to receiver, sending acknowledgement / refund to sender, resolution of complaints etc, will be carried out by India Post. ICICI Bank shall not be responsible for any of the above mentioned activities of India Post and does not make any representation, warranty or undertaking in respect of such activities or the service levels of India Posts in relation to such requests. The User acknowledges that there may be delays or deficiencies in service levels by third party service providers, for which ICICI Bank cannot accept any liability. ICICI Bank shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond its reasonable control. ICICI Bank reserves the right to charge the User for the use of the Smart Money Order facility by giving due notice on the Website about such charges. This facility is also subject to charges of India Post which will be notified on the Website from time to time. The User's Account will be debited for the total amount which would be inclusive of the amount of money order, India Post charges as applicable and ICICI Bank charges, if any.
• ECS DEBIT MANDATE: For availing Receive Funds Facility, the User shall furnish to ICICI Bank an unconditional and irrevocable ECS debit mandate, in the manner and form prescribed by ICICI Bank. The User shall submit a copy of the ECS debit mandate, signed by the Payer, to ICICI Bank for processing the same with the bank where the Payer maintains the Debit Account. The User shall obtain signature of the Payer on the ECS debit mandate and shall be solely responsible for the accuracy, completeness and correctness of the information provided in the ECS debit mandate. Any additions or deletions to an ECS debit mandate submitted to ICICI Bank shall be communicated by the User through a fresh mandate in the form and manner as indicated by ICICI Bank on the Website or through any other medium.
• PAYMENT INSTRUCTION: The User can make a Payment Instruction on the Website only after approval from the Payer's bank on the ECS debit mandate submitted by the User. The Payment Instruction shall be in the manner and form prescribed by ICICI Bank. The User shall be solely responsible for the accuracy, completeness and correctness of the information provided in the Payment Instruction and the same shall be considered to be sufficient to effect the payment. 
  ICICI Bank shall endeavor to credit the Credit Account on the Payment Date and the User shall ensure availability of sufficient funds in the Debit Account before Payment Date.
• HONOURING PAYMENT INSTRUCTIONS: ICICI Bank shall incur no liability if it is unable to effect any Payment Instruction on the Payment Date because of the existence of any one or more of the following circumstances:
• Receive Funds Facility:
• If the Debit Account does not contain sufficient funds to process the Payment Instruction or the amount exceeds the overdraft limit, if any, granted to the Payer.
• If the funds available in the Debit Account are under any encumbrance or charge.
• Unauthorised Use by User or third party
• The name of Payer and/or details required for effecting the payment is not correctly
• Due to refusal of the Payer's bank to honour the payment for any reason whatsoever.

Due to circumstances beyond its reasonable control.

Service charges will be debited from the Account(s) if a Payment Instruction fails due to any of the above mentioned reasons. The amount of the charges will be intimated to the User on the Website or through any other medium, as ICICI Bank may deem fit. Three subsequent Payment Instruction failures will also result in the ECS debit mandate for the particular Debit Account being rejected. ICICI Bank will not honour or be responsible for any Payment Instructions, which are scheduled for future dates for such rejected ECS debit mandate(s). 
If an amount in excess of the amount as indicated in the Payment Instructions is debited from the Debit Account, ICICI Bank shall be responsible for reimbursing to the Payer to the extent of the amount so wrongly debited. ICICI Bank shall also have the right to debit from the User's Account the amount of money so wrongly paid. 
ICICI Bank shall have the right to refuse to comply with the Payment 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 of the Receive Funds Facility if it has reason to believe that the Payment instructions will lead or expose to direct or indirect loss or may require an indemnity from the User before continuing to operate Receive Funds Facility. 

• CANCELLING OR MODIFYING PAYMENT INSTRUCTIONS: The User shall be entitled to cancel or modify the Payment Instructions in the manner provided by ICICI Bank before the Last date for edit unless otherwise required by ICICI Bank. ICICI Bank shall not be held liable if it is unable to stop or prevent the implementation of the Payment Instructions. ICICI Bank shall at its discretion, with prior intimation to the User, charge the User for cancellation or modification of the Payment Instructions.
• FAILED PAYMENT INSTRUCTIONS: In case the Payment Instruction is not effected for any reason, the status of the same shall be intimated to the User through the Website.
• I-Shop from ICICI Bank: Add On Service

Additional terms for this product:

"Add On Service" refers to the ICICI Bank online facilities that the customer gets on holding ICICI Bank account/(s). It's an application that provides users information about best of the offers at a discounted price available across different sites being displayed on Google Chrome / Mozilla Firefox browser.

"Aggregator" refers to the software that collaborates the relevant information from various E-Commerce Portals and shares with the Users.

"E-Commerce Portals" means Indian online websites where the buying and selling of products or services is conducted over electronic systems.

"Coupon" / "Coupons" / "Discounted Offers" refers to the merchant generated coupon for purchasing the product at a lower price than the actual a price of the product, helping in saving on the minimum retail price of the product

"Financial Transaction" refers to any transfer of money from one party to another on purchase/sale of any product or service.

"Browser" refers to a computer program with a graphical user interface for displaying HTML files, used to navigate the World Wide Web.

"Travel Sites" refers to the websites that provides information and reviews relating to tour and travel and related services such as booking of tickets for hotels, railways, airways etc.

As a value added service, ICICI Bank has tied up with Logicserve Digital Pvt. Ltd. for its "website" - www.compareraja.com in providing you with an Add On Service. This Add On Service is offered to you by Logicserve Digital Pvt. Ltd., by virtue of you being a Net Banking customer of the Bank, and you having downloaded the Add On and installed it.

The Add On Service offered by ICICI Bank, provides Users with a software which performs the function of an aggregator, whereby Users would be permitted to view certain information pertaining to different promotional offers and product prices while shopping on the various e-commerce portals. The selection of the information which the users can aggregate through the software shall depend on the policy of ICICI Bank from time to time. The software which is used for availing the Add On Service is a third party software; ICICI Bank, cannot and does not, therefore make any representations in respect of the software, its functionalities or its features. User understands that the software would permit User to retrieve and view their information which is available at certain identified web sites. However, in the event of any inadequacy in the performance of the software, Users are requested to contact ICICI bank so that we may address the issues on behalf of the Users, with the software vendor. The Add On Service is currently provided to Users free of cost, however ICICI Bank reserves the right to introduce applicable charges as required by ICICI Bank or Logicserve Pvt. Ltd. from time to time.

The Add On Service is a value added service and is for information purposes only. The User acknowledges and agrees that Add On only consolidates the browsing activity and data regarding coupon/offer/price information regarding different product lines across e commerce sites. The User shall not be able to carry out any financial transactions using Add On Service. The User shall be able to view the Add On only on Chrome and Mozilla Firefox browsers and the same can be downloaded by clicking on the link and just installing the Add On and restarting the browser. Every time the User visits an e- commerce site, he shall get a pop up from where he can compare the prices of products on different sites and also view information related to discount coupon codes available for the website from ICICI Bank.

Add On Service provides a consolidated information to the User, to find and avail various deals, coupons and prices of various merchants/products but, this does not imply any kind of endorsement to such merchant websites or products by ICICI Bank. Clicking on such deals, coupons or prices may redirect you to the concerned merchant's web page. While providing such deals, coupons or prices, reasonable precautions and efforts are taken by Logicserve to ensure that only latest valid deals, coupons & prices are mentioned on the Website. Users must always check the merchant's website terms & conditions / terms of use before availing or accessing any such deals, coupons or prices.

The User acknowledges that the consolidated information is computed by Logicserve Digital Pvt. Ltd. No results are promised or assured by ICICI Bank nor is the result based on any universal formula. ICICI Bank does not warrant, guarantee or make any representations and the User of the information shall assume the entire risk as to the suitability, use, results of use or inability to use the information in terms of timeliness, truthfulness, sequence, completeness, accuracy, reliability, correctness, performance or otherwise. ICICI Bank does not warrant that the information will be uninterrupted or free of any error, omission, defect, shortcoming or limitation of any nature. The User waives any claim, issues or complaints against ICICI Bank arising as a result of reliance upon the information provided through Add On Service. ICICI Bank disclaims all or any warranties express or implied or statutory including, without limitation any implied warranties arising from the trade, usage, course of dealing, or performance or any implied warranties of merchantability and/or fitness for a particular purpose with respect to the information. The use of any information set out through Add On Service is entirely at the recipient's own risk. ICICI does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out herein. User acknowledges that ICICI dose not hold any claim in case of fraud or loss of any financial transaction conducted at the third party site.

The Add On Service feature shows a User ICICI bank's offers on different categories of products like apparels, electronics, home decor, gifts, etc. This Add On Service of price comparison is not available on Travel Sites for the user. The information contained / data generated herein may be subject to change, updation, revision, verification and amendment without notice and such information/data generated may change materially. Additionally, the Users may learn more about the features of Add On and the manner of downloading Add On, by viewing the demonstration video available on the main page. The Add On will be non disturbing pop up when once downloaded and shall not create visibility issues, while the user wants to shop on any e commerce site/s. The user can simply uninstall the Add On Service if he doesn't want to use the Add On Service features anymore.

ICICI Bank does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy. The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advise of tax/ legal/ accounting/ financial/ other professionals) prior to acting or omitting to act, on the basis of the information contained / data generated herein. ICICI Bank shall not be liable for any loss arising from the use of this Add On Service. The information and/ or intellectual property contained is strictly confidential, meant solely for the selected recipient, and may not be altered in any way, nor transmitted copied or distributed in part or in whole to any other person or to the media, or reproduced in any form without prior written consent of ICICI Bank or the relevant owner of the intellectual property as the case may be. "ICICI" and "I-man" logo are the trademark and property of ICICI Bank Limited. Misuse of any intellectual property or any other content displayed herein is strictly prohibited.

No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the Add On Service against ICICI Bank. Neither ICICI Bank nor any of its agents or licensors or group companies shall be liable to User for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein. . No reliance may be placed for any purpose whatsoever on the information aggregated through Add On Service or on its completeness. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially.

ICICI Bank currently avails and may in future at its sole discretion avail of Add On Service from various service providers, in relation to providing the Add On Service to the User. You agree that the Add On Service is being provided to you by ICICI Bank subject to you accepting these terms and conditions in addition to Internet banking terms and conditions and any other additional terms as may be specified by ICICI Bank from time to time along with the terms and conditions of Logicserve Pvt. Ltd., and that pursuant thereto you shall not make any claim on such Add On Service providers with respect to your access or use of the Add On Service.

YOU ACKNOWLEDGE AND AGREE THAT WHEN THE AGGREGATOR IS ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, THEY ARE ACTING AS YOUR AGENTS, AND NOT THE AGENTS OF OR ON BEHALF OF THE BANK/THIRD PARTY. ICICI BANK SHALL NOT BE LIABLE FOR ANY CLAIMS OR DAMAGES ARISING IN THIS REGARD.

For availing of the Add On Service, you would be required to provide the software with such information as may be required by Compare Raja ("the website"), upon receipt of which, that software would make available information from the designated web-sites. For further information about the website and product, you may visit the Compareraja Terms and Conditions at http://www.compareraja.com/terms-condition

We respect your privacy, and expect you to respect the privacy of other members on the Add On Service. We do not intend to store any of the passwords of the other Banks that you would provide to the aggregator. Our general privacy policy is incorporated into, and made part of this Agreement. You can view Compareraja privacy policy at http://www.compareraja.com/privacypolicy

We understand that there could be a possibility of other web-sites preventing the aggregator from aggregating the information. In such an event, the aggregator would not be able to collect and provide to you the desired information. ICICI Bank or the Aggregator shall not be responsible in any manner for any such inability to access the desired information. The Add On Service may be affected by any changes that may be made by the operators of the web-sites in the web-site from where the information is sought to be aggregated. In such an event the aggregator shall attempt to redress the problem and ensure the availability of the Add On Service as soon as may be possible.

Disclaimer:
"ICICI Bank may, at its sole discretion, utilize the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products/services."

Neither ICICI Bank nor the Affiliate/s shall be liable for any unauthorised transactions occurring through the Internet Banking 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 Internet Banking 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 UUser or by any other person. Illegal or improper use of the Internet Banking shall render the UUser liable for payment of financial charges as decided by ICICI Bank or will result in suspension / termination of the Internet Banking services extended to such User/s. The aforesaid does not limit ICICI Bank’s right to initiate appropriate legal proceedings against such customers.

The Client expressly agrees that use of the Website is at its sole risk. The Website 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 Internet Banking.
ICICI Bank does not warrant that access to the Website and Internet Banking 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 Internet Banking.
ICICI Bank does not guarantee to the User or any other third party that Internet Banking would be virus free. ICICI Bank will not be liable for any virus that may enter the User's system as a result of the User using Internet Banking.

In consideration of ICICI Bank providing the User the Internet Banking service the User agrees, at its own expense, to indemnify, defend and hold harmless ICICI Bank, its directors, employees, representatives, agents, and its Affiliates against any loss, damage, expense, cost, including, but not limited to, reasonable attorneys' fees and costs awarded suffered by them; or any claim, suit, action or other proceeding brought against them by the User or a third party, to the extent that such loss, damage, expense, cost, claim, suit, action of other proceeding is based on or arises as a result of or in connection with:

1. ICICI Bank or Affiliates' execution of the User's instructions
2. a violation of the Terms by the User;
3. any unauthorized use of, Internet Banking by the User;
4. any misrepresentation or breach of representation or warranty made by the User; or
   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 them against any such loss or expense even though they may not have arisen directly or are contingent in nature.
   The User hereby agrees that under no circumstance shall, ICICI Bank's aggregate liability for claims relating to Internet Banking, whether for breach or tort (including but not limited to negligence) exceed the transaction charges/fees or consideration paid by the User within the previous twelve (12) months for Internet Banking, excluding any amount paid towards transactions.

The User may request for termination of the Internet Banking any time by giving a written notice of at least 15 days to ICICI Bank. The termination shall take effect on the completion of the fifteenth day. The User will remain responsible for any transactions made through the Internet Banking until the time of such termination. For the access of depository account through Internet Banking User and ICICI Bank shall have the right to terminate the applicability Clause 12 of this agreement after giving a notice of at least 10 days to the other party. ICICI Bank may withdraw or terminate the Internet Banking 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 10 & 12 shall survive the termination of the Internet Banking for any reason whatsoever.

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 a violation of the Terms for in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction. Any provision of the Terms for 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.

ICICI Bank shall make reasonable efforts to update from time to time the internet software such as browsers, which are required for availing of Internet Banking. There will be no obligation on ICICI Bank to support all or any versions of the internet software as may be required for offering Internet Banking. The User acknowledges that the software underlying the Internet Banking as well as other internet related software which are required for accessing Internet Banking are the legal property of the respective vendors. The permission given by ICICI Bank to access Internet Banking will not convey any proprietary or ownership rights in such software. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying Internet Banking or create any derivative product based on the software.