1.1 ICICI BANK LIMITED ("ICICI Bank") is an Indian company incorporated under the Companies Act, 1956 and licensed as a bank under the Banking Regulation Act, 1949. ICICI Bank currently has its registered office at Landmark, Race Course Circle, Vadodara 390 007 and its corporate office at ICICI Bank Towers, Bandra Kurla Complex, Mumbai - 400 051.

1.2 ICICI Bank is subject primarily to the regulation and supervision of the Reserve Bank of India, which is a statutory body constituted under the Reserve Bank of India Act, 1934.

1.3 ICICI Bank owns and maintains the Website and offers a Registered User (as defined herein) access to and use of the Website and the opportunity to avail of the Facilities subject to the Terms and Conditions.

1.4 These Terms and Conditions (the “Terms and Conditions”) are effective as of March 28, 2007, supersede any prior versions hereof, and govern the terms under which you may access and use this Website and any of the Facilities (as defined herein). Capitalised terms, which are used in this Terms and Conditions and not defined elsewhere shall have the meanings assigned to them under the Section of this Terms and Conditions.

1.5 Do not access or use the Website or Remittance Tracking Facility if you do not agree to be bound by the Terms and Conditions. By virtue of continuing to access and use the Website and/or Remittance Tracking Facility, you are agreeing to the Terms and Conditions in effect at such time. The Terms and Conditions may be updated from time to time by posting the updated Terms and Conditions on this Website and it is recommended that you visit this page on every occasion that you access or use the Website or Remittance Tracking Facility so that you are aware of the Terms and Conditions that govern your use thereof. If any of the Terms and Conditions is not acceptable to you or you disagree with any material on the Website, unless otherwise stated herein, your sole and exclusive remedy is to discontinue using the Website and Remittance Tracking Facility.

2.1 The Tracking Facilities made available by ICICI Bank on the Website and further described below and elsewhere on the Website, among other things, provide a Registered User with a technology platform to record remittance requests, track the status of orders and manage electronic communication relating to a remittance that is transmitted (after conversion by ICICI Bank to Indian Rupees) and disbursed by ICICI Bank to a bank or other account in India as instructed by the Registered User using regular international banking channels that involve correspondent banking and exchange house relationships that ICICI Bank enjoys with financial institutions in the Registered User’s local jurisdiction (the “Tracking Facility”). No banking relationship is either intended or created, hereby or thereby, between the Registered User and/or the recipient of the remittance of the one part and ICICI Bank or its affiliates of the other part. In order to avail of the Facilities described above, it is mandatory that the Registered User is a customer of, or enter into an independent transaction with, a local financial institution having a correspondent banking or exchange house relationship with ICICI Bank.

3.1 ICICI Bank may set its own fees and charges for Facilities and may revise the same at any time and the availability of Facilities displayed or offered on or through the Website are subject to change without prior notice. Nothing contained on the Website constitutes an offer, promise or commitment to grant or provide any Facility. While ICICI Bank endeavours to post accurate and updated information on the Website, the Registered User must verify the same before taking any action or entering into any transaction.

3.2 When a Registered User makes a request to use the Remittance Management Facility, depending on the payment mechanism he or she chooses, such Registered User will likely be concurrently authorising a third party financial institution to debit the remittance amount from an account held with it and/or be requesting the financial institution to process the payment request in some other form. ICICI Bank does not control and is not responsible in any manner for fees or charges, if any, that may be imposed by any such financial institution(s) or any other third parties.

3.3 Registered Users acknowledge and understand that ICICI Bank may make monetary gains when funds in foreign currency remitted by a Registered User is converted by ICICI Bank. The foreign exchange conversion rate shown for the calculation on the Website is only indicative to help the Registered User to arrive at an approximate Indian Rupee amount that the beneficiary recipient may receive and It in no way guarantees or represents the foreign exchange conversion rate that will actually be applied to the foreign exchange sent by the Registered User. ICICI Bank shall carry out the conversion of foreign currency to Indian Rupees, and will apply the foreign exchange conversion rates prevailing on the day of conversion, or other rates as per its discretion.

3.4. Neither the Registered User nor the recipient will be entitled to any interest for the period during which the funds to be remitted are with ICICI Bank, are in the course of remittance, or for any other period. Registered Users acknowledge and understand that, in providing the Facilities, ICICI Bank may earn interest on funds remitted between the time that the foreign currency is remitted and the time that it is disbursed to the bank or other account in India.

5.1 Only limited access to the Website is available to non-Registered Userss. Non-Registered Users is not be permitted to avail of the Facilities. In order to obtain increased access to the Website and in order to avail of the Facilities the every person who is desirious of availing the Facility is required to register on the Website as a Registered User. Subject to the other Terms and Conditions, upon registration as a Registered User the Website will register the relevant Registered User ID and Registered User Password. The Registered User hereby agrees that he shall not get registered more than once in the Website for availing the Facility.

5.2 The Registered User agrees to provide true, accurate, current and complete information, as prompted by the registration form on the Website, and to update this information to keep it true, accurate, current and complete at all times. If, in the judgement of or to the knowledge of ICICI Bank, any information provided by the Registered User is untrue, inaccurate, not current or incomplete, ICICI Bank retains the right to terminate the Registered User's registration and refuse the Registered User access to or use of the Website or any Facilities, including the cancellation of pending transactions. ICICI Bank reserve the right to request the Registered User, at any time and from time to time, for additional information (including credit card detail and other payment information) and/or proof of authenticity of any information; the Registered User’s continued access to the Website and the Facilities, including the completion of any ongoing transaction, may be subject to the receipt by ICICI Bank of such additional information or proof.

5.3 The Registered User will be solely and absolutely responsible for maintaining the secrecy and confidentiality of all Registered User IDs and Registered User Passwords (which term includes T-PINs) and be fully responsible and liable for all transactions and activities that occur under the Registered User's ID and password including any unauthorised use or misuse of the ID and/or password and ICICI Bank shall have no obligation to verify the authenticity of any such transaction or activity. In consideration of ICICI Bank agreeing to provide the Facilities as per the Terms and Conditions, the Registered User hereby agrees unconditionally indemnify ICICI Bank and hold ICICI Bank harmless against any liability, costs, damages, claims, suits, and proceedings based upon or relating to such unauthorized access and use. Without prejudice to the aforesaid, the Registered User agrees to log out from his or her account at the end of each session and to immediately notify ICICI Bank via Email Us, or through the Call Centre, or registered post AD of any suspected loss, theft, unauthorised usage of the Registered User ID or password, any other breach of security, or any receipt by the Registered User of confirmation of a transaction, fund or other activity which the Registered User did not authorise; or any inaccurate information in the Registered User's account balances or transaction history.

5.4 If the Registered User forgets his/her password, ICICI Bank may, subject to verification and ICICI Bank’s satisfaction as to the Registered User’s identity, either send the Registered User the prevailing Registered User Password password would not be sent via email or generate a new temporary password for the Registered User which shall be communicated to the Registered User at the e-mail address provided by the Registered User at registration. In the latter event, the Registered User must change the temporary password as soon as it is received, and until such time this password shall be deemed to be the Registered User's password and the Registered User will be responsible and liable for all transactions pursuant thereto.

5.5 To the extent permissible by applicable law, ICICI Bank shall have the right (but not the obligation) to require the Registered User to communicate instructions and authorise and execute transactions and other activities by means of secure electronic records and secure digital signatures in addition to, or in place of, the use of password(s).

6.1 A Registered User shall not:

1. use or access the Website or any Facility to do, facilitate or support any act that violates the Terms and Conditions or any rules and regulations of any jurisdiction, including but not limited to rules and regulations relating to money laundering, illegal gambling activities, fraud, or funding of terrorist organizations.


2. restrict or inhibit any other person from accessing, using and enjoying the Website or the Facilities;


3. modify, copy distribute, transmit, display, perform, publish, licence, create derivative works from, transfer or sell any information, designs, logos, trademarks, software, Facilities, products or services obtained on or through the Website, except as permitted by the copyright owner or other right holder thereof;


4. post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information or statement of any kind including, without limitation, any information or statement constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any local, state, national, foreign or other law;


5. post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by ICICI Bank) or engage in spamming or flooding;


6. post or transmit any information or software which contains a virus, Trojan horse, worm or other harmful component;


7. post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained from or through the Website for commercial purposes (other than as expressly permitted by the provider of such information, software or other material);


8. upload, post, publish, transmit, reproduce or distribute in any way, information, software or other material obtained on or through the Website which is protected by copyright or other proprietary right, or derivative works with respect thereto, except as permitted by the copyright owner or other right holder thereof;


9. upload, post, publish, reproduce, transmit or distribute in any way any component of the Website itself or derivative works with respect thereto, except as permitted by ICICI Bank or the copyright owner or other right holder thereof, the Website being copyrighted under the relevant laws;


10. attempt to decompile or reverse engineer any of the software available on the Website;


11. make any attempt to hack into the Website or otherwise attempt to subvert any firewall or other security measure of the Website and if the Visitor becomes aware of any shortcoming in the security on the Website the Visitor shall forthwith inform ICICI Bank of the same in writing;


12. reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Website, use of the Facilities, or access to the Website or the Facilities, other than as provided within the scope of the Service;


13. disclose to any other person, in any manner whatsoever, any information of a confidential nature relating to ICICI Bank or the Affiliate Partners obtained in the course of using or accessing the Website or availing of any Facility.

8.1 The Website, all information on or available through the Website and the Facilities provided by ICICI Bank and are made available to the Registered Users “as is” and without any representation or warranty of any kind, either express or implied, including without limitation, any representation or warranty for accuracy, continuity, uninterrupted access, timeliness, sequence, quality, performance, fitness for any particular purpose, completeness, title, compatibility, warranty of non-infringement, freedom from computer virus, warranties of merchantability or fitness for a particular purpose, each to the extent permissible by applicable law.

8.2 Although ICICI Bank adopts security measures that it considers appropriate for the Website, it does not represent or warrant that the Website is immune from hacking, denial of service attacks, unauthorised access or other illegal subversion of these security measures that might impair the working of the Website, the availability of the Facilities or the integrity and confidentiality of Registered User’s personal and login information or accounts and ICICI Bank disclaims liability arising from any such acts or occurrences. Furthermore, while ICICI Bank takes reasonable precautions to avoid such eventualities, the Registered User understands that communications through Internet are not always secure and agrees that ICICI Bank shall not be responsible for any unauthorised or illegal interception of e-mail or other communication to or from ICICI Bank.

8.3 Information and Facilities on the Website may be displayed and offered in a phased manner at the discretion of ICICI Bank. ICICI Bank shall have the right to from time to time and in its discretion, introduce new information and Facilities and add to, modify, suspend or withdraw any information or Facility or the terms thereof in whole or in part without any prior notice. While ICICI Bank makes every endeavour to ensure that the Facilities are offered to a Registered User without interruption or delay, continued provision of the Facilities may be impractical or impossible due to the failure of operational systems for reasons including but not limited to virus attacks, natural calamity, floods, fire and other natural disasters, legal restraints, faults in the telecommunication network or network failure, system maintenance, software or hardware error, labour problems, strikes or any other reason beyond the control of ICICI Bank, and ICICI Bank makes provides no guarantee that any instructions or transactions will definitely be communicated, processed or performed (whether or not before a particular time) using the Website or the Facilities.

8.4 ICICI Bank has not verified and shall not be liable or responsible for any content or other information on the Website or on web-sites linked to or with the Website.

8.5 ICICI Bank operates and offers the Website and the Facilities strictly on a no-liability and no-obligation basis as regards ICICI Bank, and ICICI Bank shall not be liable to the Registered User or any other third party for any claim for direct, indirect, incidental, special, exemplary, punitive, consequential or other damages (including, without limitation, loss of profits, loss or corruption of data, loss of profit or goodwill, work stoppage, computer failure or malfunction, or interruption of business) whether arising under contract, tort or any other theory arising out of or in connection with the Website, the inability to access the Website or any Facilities, products or services mentioned or advertised on or accessed or availed on or through the Website.

8.6 To the extent any of the disclaimers or limitations of liability in the Terms and Conditions are held to be unenforceable, the maximum liability of ICICI Bank to the Registered User shall not exceed the amount of fees paid/payable by the Registered User to ICICI Bank for the Facilities availed by the Registered User through the Website.

9.1 Several of the Facilities mentioned or offered on or through the Website are provided by third party service providers and ICICI Bank makes no warranty on behalf of such third parties. ICICI Bank shall not be liable for any loss or damage of any sort incurred as a result of any transactions or dealings between the Registered Users and such third party service providers. The Registered User may be charged for such transactions/dealings by such third party service provider. Such third party service providers may have their own agreements, terms and conditions which will govern such Facilities provided by them, which may be specific to each such service provider and vary from Facility to Facility. ICICI Bank recommends that the Registered User obtain the full text of such terms and warranties from such service providers before availing of any such Facility. All of the Registered User's rights and remedies and all maintenance, update, warranty, liability or any other obligations related to any such Facilities shall be governed by the applicable terms, policies and procedures of the concerned service provider and ICICI Bank shall not be liable or responsible for the same in any manner. The Registered User shall have no claim, rights or remedies whatsoever against ICICI Bank in respect of any such Facility availed or sought to be availed by the Registered User from any such service provider. The Registered User agrees not to hold ICICI Bank liable for any loss or damage of any sort incurred as a result of any such dealings with any service provider.

The following (among other) Facilities are proposed to be offered on the Website. However, all the Facilities or all the various components and features of a Facility may not be offered at all times. ICICI Bank may discontinue, modify, change, alter any of the features of the Facility at its sole discretion.

10.1 Alerts

ICICI Bank shall endeavour to ensure that Alerts are communicated to the Registered User in accordance with the Registered User's instructions. However, neither ICICI Bank nor the Service Providers would be responsible or liable for non-dispatch or delay in dispatch of the Alerts by ICICI Bank Service Providers or any delay in receipt or non-receipt of the Alerts for any reason whatsoever. Under no circumstances shall ICICI Bank and/or the Service Providers be liable for any costs, damages or other amount whatsoever for such non-dispatch or delay in dispatch or any non-receipt or delay in receipt of the Alerts. Non- receipt of Alerts will not discharge or reduce the Registered User's liability to pay any amount to ICICI Bank which would have been payable in the event of proper receipt of the Alerts.

10.2 Remittance Facility

10.2.1 Subject to the relevant regulatory approvals, terms and conditions imposed while granting the necessary approvals and other terms of the Remittance Facility, such Facility enables the Registered User to avail of a technology platform for a Facility that enables remitting funds from outside India into India. The Facility is offered by ICICI Bank by use of ICICI Bank's web technology platform. ICICI Bank shall, under the Remittance Facility, convert the funds received through the correspondent bank into Indian Rupees and remit it to the beneficiary in India as instructed by the Registered User.

10.2.2 The Registered User should pay the foreign currency as per the instructions stated on the Website by cheque or draft or such other acceptable mode described on the Website. The funds will be remitted into India only after it has received a confirmation that such foreign currency has been received in its account. Thereafter, after deducting the appropriate charges/fees as may be applicable at the time of remittance, the money will be remitted to the bank account in India designated by the Registered User.

10.2.3 In case of non availability of funds from the account from which the Registered User has requested the remittance of money, ICICI Bank shall be entitled to cancel the requested remittance transaction and the Registered User shall bear full liability and responsibility for the same. The Registered User shall reimburse any direct or indirect expense ICICI Bank has incurred while providing the Remittance Facility. The Registered User also agrees to pay for all costs associated with the recovery of amounts owed to ICICI Bank, including reasonable attorney's fees and court fees. .The Registered User agrees to pay to ICICI Bank such amount immediately upon ICICI Bank's demand along with interest @ 2% per month from the date of the remittance by ICICI Bank till the receipt of funds by ICICI Bank from the Registered User. ICICI Bank shall also be entitled to inform any credit bureau or any other person or entity if the Registered User fails to pay/reimburse such amount or any part thereof to ICICI Bank.

10.2.4 While it shall be ICICI Bank's endeavour to adhere to the time schedule indicated by it on the Website, ICICI Bank hereby disclaims liability or responsibility for any changes in the time schedule for execution of the Registered User's instructions or remittance or credit of funds for any reason.

10.2.5 In the event the funds are for any reason required to be redirected to another account / location, or any other additional service is required, ICICI Bank shall levy additional charges and remit the amount after deducting such additional charges.

10.2.6 ICICI Bank shall in no way be held responsible and/or be liable for any queries, errors, disputes or delays in messaging, money transmission, currency conversion, conversion rates offered, payment to the beneficiaries of the remittances or any other query, claim or dispute. ICICI Bank will, however, use reasonable efforts to assist the Registered User in contacting ICICI Bank or any third party to facilitate resolution of such queries, claims and disputes.


10.2.7 The Registered User hereby authorizes ICICI Bank to check or to use a third party agency to check the Registered User's credit history/identity details at the time of and/or prior or subsequent to enrollment and to obtain follow-up credit reports relating to the Registered User.

10.2.8 The Registered User understands and agrees that ICICI Bank's correspondent banks have an automated cheque clearing process, and that once a cheque is placed in the lockbox, stopping the presentment of cheque is not possible.

10.2.9 The Registered User hereby agrees that, where ICICI Bank so deems advisable or necessary as per its due diligence criteria, ICICI Bank may hold the money (to be remitted to India) for longer than the usual time for remittance, and may delay the remittance.

10.2.10 The Registered User hereby agrees that ICICI Bank has no control over when the beneficiary's financial institution (through whom the beneficiary chooses to receive the remittance) makes such funds available for the beneficiary's use and ICICI Bank shall not be responsible for any delay or default on the part of such financial institution.

10.2.11 The Registered User hereby agrees that the purpose of the remittances supported by the Remittance Facility will be strictly for personal use such as family maintenance or remittances from foreign tourists visiting India. Trade or business related remittances or remittance for purchase of property or investment, remittance for credit to remitters' NRE / FCNR accounts, any type of donations and other remittances not permissible under the regulations prevailing from time to time are not covered under, and should not be effected through, the Remittance Facility.

10.2.12 The Registered User shall provide to ICICI Bank all the information as may be required, in absence of which ICICI Bank shall not be liable to permit the Registered User to avail of the Remittance Facility.

10.2.13 The Registered User hereby undertakes that by sending funds to India, he/she is not violating any exchange control laws stipulated by the Government of India and/or the Reserve Bank of India. The Registered User agrees to keep ICICI Bank indemnified for any such violation.

10.2.14 The Registered User undertakes to inform ICICI Bank, before initiating a transaction on Money 2 India, that she/he is availing the Facility from Indian territory. In such cases, charges, if any, payable by the Registered User to his/her local financial institution will attract withholding taxes as may be applicable in accordance with the tax laws of which customer is tax resident.

10.2.15 The request for remittance of funds by the Registered User to Visa cards is only applicable for cards issued in India.

10.2.16 ICICI Bank shall endeavour to ensure that transfers are not made to any Beneficiary Card not issued in India. However, the onus shall lie on the Registered User to ensure that there are no violations of any law, regulation, authorization including (FEMA or Exchange Control) and the Registered User shall be solely liable for any violation thereof.

Transactions prohibited under FEMA are:
1) Purchase of immovable/agricultural/plantation where prohibited.
2) Investments in securities, shares and/or any other similar instrument where disallowed by laws of India.
3) Not lending to person resident in India whether in foreign currency/Indian Rupee where expressly prohibited by laws in India.

10.2.17 Ready Cash: The Registered User may also opt to make a cash disbursement ("Ready Cash") to a Beneficiary in India, subject to the transaction limits as determined from time to time. For availing the Cash Pick-up, the Registered User would be required to provide certain details about the beneficiary and would also agree to the issuance of a Remittance Card to the beneficiary.

Cash would be disbursed to the beneficiary in India ONLY upon production of the documents as specified from time to time and on verification of the details provided by the Registered User. In the event that the beneficiary does not collect the money within 60 days of ICICI Bank having received the funds sent by the Registered User, an account payee demand draft favouring the beneficiary will be dispatched as per the details provided by the Registered User.

The Registered User will have only a limited number of Ready Cash options at any given point of time. ICICI Bank reserves the right and discretion to modify the number of Ready Cash options available to the Registered User.
ICICI Bank shall not be liable for any delay on account of the beneficiary not collecting the funds transferred, or due to the beneficiary submitting incorrect/insufficient details and/or documents.

ICICI Bank reserves the right to levy such charges on the Registered User for transacting using the Cash Option. ICICI may revise the charges at its own discretion. Furthermore, ICICI Bank reserves the right to issue an account payee demand favouring the beneficiary prior to the expiry of 60 days as aforesaid on account of the Beneficiary producing incorrect/insufficient documents and/or details or for any other reason it deems fit."

10.2.18 The Registered User is aware that she/he may refer any beneficiary in India to be issued a Remittance Card. ICICI will endeavor to get in touch with the beneficiary in India at the contact details provided by the Registered User but does not guarantee the same. The Registered User should ask the beneficiary to contact ICICI Bank. The Registered User understands that the issuance of the Remittance Card to the beneficiary is subject to submission of requisite and sufficient verification documents by the beneficiary to ICICI Bank. Such documents have to be in consonance with the regulations stipulated by the Reserve Bank of India. The Registered User hereby understands that the issuance of such Remittance Card is subject to such extraneous factors and hence is beyond the control of ICICI Bank. The Registered User hereby acknowledges and confirms that ICICI Bank shall not be liable for any loss or delay that occurs in the issuance of the Remittance Card to the beneficiary.

10.2.19 ICICI Bank shall send the funds transfer only to the number of such Beneficiary Card as has been provided and validated by the Registered User. ICICI Bank at its discretion may obtain certain details of the Beneficiary but ICICI Bank may (but shall not be required to) verify or authenticate the same. ICICI Bank shall not be responsible for any erroneous credit, if an erroneous Beneficiary details provided by the Registered User to ICICI Bank. Furthermore, the Registered User shall be entirely responsible for providing the accurate amount to be credited on the Beneficiary account. ICICI Bank shall not be responsible for an erroneous credit, if an erroneous amount is provided by the Registered User to ICICI Bank and ICICI Bank shall not be liable to reverse such erroneous credit from the Beneficiary.

10.2.20 ICICI Bank may specify to the Registered User through the Website from time to time the limit on the funds that can be transferred from the Registered User’s account to the Beneficiary’s Visa Account.

10.2.21 ICICI Bank shall assume no responsibility for the performance of Visa or any other entity involved in the process; and for any loss or damage incurred or suffered by the Registered User for any error, defect, failure or interruption of the Facility or consequences arising out of delayed payments.

10.2.22 Fixed Rupee transfers: The use of this channel is subject to daily limits on the value and volume of transactions permitted as per internal operational guidelines. ICICI Bank may change these limits at its own discretion. In the event that any of these operational limits are breached or held up, remittance through this channel will be temporarily unavailable till the permissible limits are cleared. ICICI Bank shall in no way be held responsible and/or liable for any rejections, queries or delays arising due to the temporary unavailability of this Facility

10.2.23 e-Transfer and affiliated products: In the event that ICICI Bank receives a reversal/ return request from the Registered User's bank overseas for a transaction processed and credited to the beneficiary account in India on the grounds, including but not limited to, unauthorized or fraudulent instructions, such refund shall be made by ICICI Bank immediately upon receipt of reversal/ return instructions, by debiting the beneficiary account in India at the prevailing buying rate for the currency in question including all costs, charges, expenses and interest (where applicable). In case we are unable to recover the funds from the beneficiary, the Registered User is liable to refund back the amount in foreign currency to ICICI Bank including costs, charges, expenses and interest (where applicable).

11.1 ICICI Bank is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website, and is the copyright owner or licensee of the content and/or information on the Website including but not limited to any text, links, images, logos, illustrations, audio clips, video clips, screens and product and Registered Users or any Visitor shall not download and/or save a copy of the Website or any part thereof including any of the screens or part thereof and/or reproduce, store it in a retrieval system or transmit it in any form or by any means - electronic, electrostatic, magnetic tape, mechanical printing, photocopying, recording or otherwise including the right of translation in any language without the express permission of ICICI Bank (except as otherwise provided on the Website or in the Terms and Conditions for any purpose) or use or modify it in any manner that is likely to cause confusion or deception among persons or in any manner disparages or discredits ICICI Bank or any service providers. However, Visitors may print a copy of the information on this Website for the personal use or records. ICICI Bank, the Alliance Partners and/or the Service Providers do not grant any license to or other authorization, and none should be implied or presumed, for use of their respective trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property by placing them on the Website.

11.2 This Website is for the Visitor’s personal use. If the Visitor makes any other use of this Website, except as otherwise provided above, the Visitor may violate copyright, trademark and other laws of India and other countries, and may be subject to penalties.

12.1 By agreeing to the Terms and Conditions, the Registered User and the Visitor consents to ICICI Bank’s Privacy Policy, a copy of which may be found elsewhere on the Website.

12.2 Each Visitor and the Registered User irrevocably and unconditionally authorises ICICI Bank to access all information relating to his or her access and use of the Website and Facilities, including personally identifiable information, and/or the transactions entered into by the Visitor/Registered User through the Website. Subject to the ICICI Bank Privacy Policy, all information submitted on or via the Website shall be deemed to be and remain the property of ICICI Bank and Service Providers; and ICICI Bank and Service Providers shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in or derived from any information the Visitor/registered User may provide to or through the Website. ICICI Bank and Service Providers shall not be subject to any obligations of confidentiality regarding submitted information except as otherwise expressly agreed by it directly with the Visitor. ICICI Bank shall be deemed to acquire from the Visitor a non-exclusive, world-wide, perceptual, irrevocable, royalty free licence to use, adapt, reproduce, modify, publish, translate, create derivative works from, distribute, perform or display any ideas, concepts, know-how or techniques contained in or derived from any information provided by the Visitor to or through the Website.

13.1 The Terms and Conditions and the use by the Registered User or access to the Website or any Facilities are not intended to create an agency, partnership, joint-venture, employer-employee or banker-customer relationship between the Registerd Useror the beneficiary of the one part and ICICI Bank or Service Provider of the other part, except where otherwise specifically agreed or appointed. Specifically, the u se of Remittance Facility does not establish a checking account or any other form of a bank account for the Registered User or the beneficiary with ICICI Bank and neither does it constitute or create a fiduciary or escrow capacity between the Visitor or the beneficiary and ICICI Bank. Funds held while processing a remittance payment request are not insured by any government authority. None of the Facilities offered hereby is a funds transfer or transmission service , and a Registered User’s request or instruction while using a Facility is not a payment order or other request for a funds transfer.

14.1 Each Visitor and/or Registered User agrees to defend, indemnify and hold ICICI Bank, and Service Providers and each of their respective affiliates, directors, officers and employees, harmless from any and all claims, liabilities, damages, costs, expenses and proceedings, including reasonable attorneys' fees, arising in any way from the Visitor’s or Registered User's use of the Website, whether in India or any other jurisdiction, the inaccuracy or incompleteness of registration information, or the placement or transmission of any message, information, software or other materials through the Website by the Visitor, the Registered User or users of the Registered User's ID and password or related to any violation of the Terms and Conditions by the Visitor or Registered User or users of the Registered User's ID and password, and any claims dispute or differences between the Visitor or Registered User and any supplier of services that are part of the Facilities.

15.1 The Registered User acknowledges and agrees that ICICI Bank may, without notice, suspend or terminate the Registered User's ID, Password or account or deny the Registered User access to all or part of the Website or any Facilities if the Registered User engages in any conduct or activity that ICICI Bank, in its sole discretion, believes violates any of the Terms and Conditions, violates the rights of ICICI Bank, or is otherwise inappropriate for continued access, or if ICICI Bank learns of the Registered User's death, bankruptcy or lack of legal capacity or of circumstances that impact the Registered User's creditworthiness or for any other reason which ICICI Bank thinks fit and proper.

15.2 The Registered User may request ICICI Bank to disable the Registered User’s ID, password or account 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 from the date of receipt of the notice by ICICI Bank.

15.3 Until suspension or termination of the Registered User’s ID takes effect, as above, the Registered User will remain responsible for any transactions entered into using the Registered User’s ID and all obligations incurred thereby or otherwise by the Registered User.

15.4 All termination notices delivered by the Registered User via e-mail or otherwise should be marked "Termination" in the subject line.

16.1 The Website, the Facilities, the Terms and Conditions, all transactions entered into on or through the Website or through the availment of any Facility and the relationship between the Visitor and ICICI Bank shall be governed by and construed in accordance with the laws of India and no other nation, without regard to the laws relating to conflicts of law.

16.2 The Registered User and ICICI Bank agree that all claims, differences and disputes (collectively, “Disputes”) arising under or in connection with or pursuant to the Website, the availment of any Facility, the Terms and Conditions, any transactions entered into on or through the Website or through the availment of any Facility or the relationship between the Registered User and ICICI Bank shall be subject to the exclusive jurisdiction of the competent courts located in the city of Mumbai, Maharashtra, India and the Registered User hereby accedes to and accepts the jurisdiction of such courts. Notwithstanding the aforementioned, if ICICI Bank thinks fit, ICICI Bank may institute proceedings against a Registered User in any other court or tribunal having jurisdiction under applicable law. Disputes shall include not only claims made directly by the Visitor, but also made by anyone connected with the Visitor or claiming through a Visitor, such as a recipient of funds. Disputes include not only claims that relate directly to ICICI Bank, but also its successors, assignees, employees, and agents, and claims for which ICICI Bank may be directly or indirectly liable, even if it is not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground. Disputes include claims made as part of a class action or other representative action, it being expressly understood and agreed to that the resolution of such claims must proceed on an individual (non-class, non-representative) basis.

16.3 ICICI Bank hereby disclaims all liability, direct or indirect, for non-compliance with the laws of any jurisdiction other than India. The fact that it is technologically possible to access or use the Website and avail of any Facility in any jurisdiction other India should not in itself suggest that it is legal to do so. It shall be the sole responsibility of the Visitor to verify whether the Website and the Facilities can be legally and legitimately accessed, utilized and availed in the relevant jurisdiction and the Visitor understands that by accessing, using and availing of the Website and the Facilities, he or she may be violating the local laws in India and/or such jurisdiction. Further, ICICI Bank hereby explicitly disclaims any responsibility, direct or indirect, for non-compliance by a Visitor of the laws of any jurisdiction whatsoever.

17.1 The failure or delay of ICICI Bank to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. No waiver on the part of ICICI Bank shall be valid unless it is in writing signed by or on behalf of ICICI Bank. A waiver of any right or provision by ICICI Bank on a particular occasion shall not prevent ICICI Bank from enforcing such right or provision on a subsequent occasion.

18.1 If any provision of the Terms and Conditions shall be held to be invalid or unenforceable by reason of any law or any rule, order, judgement, decree, award or decision of any court, tribunal or regulatory or self-regulatory agency or body, such invalidity or unenforceability shall attach only to such provision or condition, and the Visitor, Registered User, ICICI Bank, the court, tribunal or regulatory or self-regulatory agency or body should endeavour to give effect to the parties' intentions as reflected in the provision to the extent possible. The validity of the remaining provisions and conditions shall not be affected thereby and these Terms and Conditions shall be carried out as if any such invalid or unenforceable provision or condition was not contained herein.

Notwithstanding any statute or law to the contrary, but to the extent permitted by law, any claim or cause of action arising out of or related to access or use of the Website or any Facility or the Terms and Conditions must be filed within three (3) months after such claim or cause of action arose failing which it shall be forever barred

20.1 ICICI Bank may give notice to the Registered User by e-mail, letter, telephone or any other means as ICICI Bank may deem fit to the address last given by the Registered User. Notices under the Terms and Conditions may be given to ICICI Bank by the Registered User in writing by delivering them by hand or by sending them by post to ICICI Bank's address mentioned on the Website. ICICI Bank may, but shall not be bound to, act upon notices and instructions given by the Registered User to ICICI Bank by e-mail, letter, telephone or any other means as ICICI Bank may deem fit.

20.2 In addition, ICICI Bank may (but shall not be bound to) also publish notices of general nature, which are applicable to all Visitors and/or Registered Users in a newspaper circulating in India and/or on its Website. Such notices will have the same effect as a notice served individually to each Visitor and/or Registered User.

20.3 Documents which may be sent by electronic communication between the parties may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Website. ICICI Bank shall be deemed to have duly communicated and delivered any communication or document to the Registered User if such communication or document is sent via e-mail to the e-mail address provided by the Registered User to ICICI Bank. ICICI Bank shall also be entitled to act on the basis of any instructions received or purported to be received by ICICI Bank from the Registered User by e-mail or other electronic means or via the Internet. ICICI Bank shall also be entitled (but not bound) to act upon fax instructions and communications.

21.1 ICICI Bank may sub-contract or employ agents to carry out any functions or services relating to the Website, any Facility or any of its obligations under the Terms and Conditions.

21.2 In order to access the Website and avail of the Facilities, the Visitor will, at the registered users own cost, have to: (a) obtain access to the World Wide Web and pay any service fees, telephone charges and online service usage associated therewith, and (b) obtain access to all equipment necessary for the registered user to connect to the World Wide Web, including a computer and modem.

21.3 The content presented on or through the Website may vary depending upon the Visitor’s browser limitations and ICICI Bank disclaims any responsibility for the unavailability of any Facility or any error in processing of a transaction through the Website caused by the Visitor’s browser limitations.

21.4 All communications under these Terms and Conditions shall be conducted in the English language.

In the course of using the Website or availing the products and services vide the online application forms and questionnaires, ICICI Bank and its Affiliates may become privy to the personal information of Visitors (as defined in the Terms and Conditions, available elsewhere on this website), including information that is of a confidential nature.

ICICI Bank is strongly committed to protecting the privacy of Visitors and while it has taken all necessary and reasonable measures to protect the confidentiality of the Visitor information and its transmission through the world wide web, it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Policy or in terms of the agreements, if any, with Visitors.

ICICI Bank uses 128-bit encryption, which is currently the permitted level of encryption in India, for the transmission of Visitor registration and transaction requests and information. When the information provided by Visitor is not transmitted through this encryption, the Visitor’s computer system (if configured accordingly) will display an appropriate message.

ICICI Bank undertakes not to disclose the information provided by Visitors to any person, unless such action is necessary to:

- Conform to legal requirements or comply with legal process;
- Protect and defend ICICI Bank's or its affiliates' rights, interests or property;
- Enforce the Terms and Conditions; or
- Act to protect the interests of ICICI Bank, its affiliates, or its members, constituents or of other persons.

However, the Internet is an open system and ICICI Bank cannot, and does not, guarantee that the personal information which the Registered User furnishes will not be intercepted or accessed by others and decrypted. ICICI Bank, its affiliates and partners, and its and their respective directors, employees, agents and representatives shall not be liable or responsible should any confidential or other information provided by or pertaining to the Visitor (including credit card numbers, bank account numbers, passwords, personal identification numbers, IDs, transaction details, etc.) be intercepted and subsequently used by an unintended recipient.

ICICI Bank will limit the collection and use of Visitor information only on a need-to-know basis to deliver a high level of service to the Visitors. ICICI Bank may use and share the information provided by the Visitors with its affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services, and notifying or contacting Visitors regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the Visitor information to one or more agents and contractors of ICICI Bank and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from ICICI Bank only for these purposes.

Visitors authorise ICICI Bank to exchange, share, part with all information related to the details and transaction history of the Visitor to ICICI Bank’s affiliates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold ICICI Bank liable for use or disclosure of this information.

While ICICI Bank has no obligation to monitor the functioning of this website, Visitors acknowledge and agree that ICICI Bank has the right to monitor the functioning of this website electronically or otherwise from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Website properly or to protect itself, its affiliates and partners, and its and their respective directors, employees agents and representatives.

The records of access, instructions, transactions and other activities maintained or caused to be maintained by ICICI Bank through its or a third party's computer systems or on tape or other recording or storage device or otherwise shall be admissible in evidence, shall not be challenged by the Registered User and shall be accepted as genuine, accurate, conclusive and binding for all purposes including the recording of the time thereof.