Terms and Conditions for icicibankpay

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

1. Definitions:

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

"Account/s" refers to the savings bank account/s so maintained with ICICI Bank which are eligible Account(s) for purposes of availing products and services through the Channel.

“Account Holder” shall mean a User holding a retail savings account with ICICI Bank. Non-resident Indians, corporate account holders and foreign account holders are not eligible to register for this service.

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

“Channel” shall mean such application which facilitates banking through Twitter, access to which may be obtained by the User for availing Services by registering himself with the application post successful authentication/verification.

“User ID” refers to retail internet banking ID of the User, to which the savings account/s is linked.

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

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

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

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

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

In these Terms, unless the contrary intention appears:

• Any reference to:
• the singular includes the plural (and vice versa);
• the headings in these Terms are inserted for convenience of reference only and are to be ignored in construing and interpreting the Terms;
• 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;

2. Applicability of Terms:

These Terms form the contract between the User and ICICI Bank for availing Services through this Channel. For availing the Services, the User shall be first required to register to the Channel as per the instructions provided on the Website. ICICI Bank shall be entitled at its sole discretion to accept or reject such registration requests by the User/s and its decision in this regard shall be final and binding. By registering for the Channel for availing the Services, the User acknowledges and accepts these Terms. While availing the Services through the Channel, certain additional service terms and conditions or notes (“Service Terms”) applicable, if any, with respect to the specified services, shall be communicated to the User through return tweet, direct message or SMS while availing the Services and the User’s conduct of continuing to avail the Service shall amount to his/her acceptance of such Service Terms and shall be binding on the User.

3. CHANNEL:

For the purpose of availing the Services through the Channel, the User would need to have legal and valid access to the Twitter website or mobile application and should be an Account Holder having valid and subsisting ICICI Bank’s Retail Internet Banking access.

The Channel can be accessed by the User over the internet by accessing Twitter through browsing applications like Internet Explorer (IE), Chrome, Mozilla, or by downloading Twitter mobile application provided by Twitter or any third party and available on Android, iOS, Windows , Blackberry or any other mobile platforms.

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

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

The User shall ensure that Channel is not used for any purpose which is illegal, improper or which is not authorised under these Terms/other specified terms.

4. Services:

View only Requests -

• Saving Account Balance Inquiry – This service will provide the last available balance of linked Saving Account.
• Savings Account Transaction Inquiry – This service will provide last 3 transactions of linked saving account.

Financial Services -

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

• Coupon is created of specific amount by debiting User’s bank account.
• One passcode is generated while creating the coupon and sent to User’s registered mobile number.
• Beneficiary is sent a tweet and link to redeem the coupon and transfer money to account of his choice.
• Coupon remains valid for a period of 7 days from the date of its creation, after which it expires and the amount is credited back to the User’ account. The User can also cancel the coupon and the transferred money will be credited back to the User’s Account. However, if the redemption process has been initiated by the beneficiary before the cancellation request has been submitted by the User, the coupon shall not be cancelled.
• A beneficiary may redeem the coupon during its validity. For successful redemption, beneficiary has to click on the link sent through a Tweet to the beneficiary’s Twitter handle. On clicking on the said link, the beneficiary will be taken to a web page where the beneficiary will have to first sign in to his Twitter account and authenticate the transaction by entering the passcode shared by the User. On successful authentication, a money transfer request shall be initiated to the account provided by the Beneficiary during the redemption process.

or, any other Service which ICICI Bank may introduce and specify from time to time.

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

5. Limitation on Transactions:

There shall be daily transaction limit of Rs. 10000/- on Twitter Payment transactions through the Channel.

ICICI Bank in its sole discretion may introduce new limits or modify the said limit.

6. Unauthorised Access:

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

7. Registration for the Channel Access:

A User shall be required to register to avail Services through this Channel. For registration, a User will have to follow following steps –

• The User has to first follow ICICI Bank twitter handle (@ICICIBank).
• Then the User shall send a direct message - #Reg through his Twitter account to ICICI Bank Twitter handle.
• An OTP shall be sent to the User’s registered mobile number and the User will have to send this OTP in direct message (#RegOTP <6 digits OTP>) to ICICI Bank Twitter handle.
• On successful OTP verification, the User’s Twitter handle through which the registration request is sent, will be linked to his retail internet banking User ID to which the mobile number is registered.

User can deregister from the Channel by unfollowing ICICI Bank Twitter handle.

8. Joint Accounts:

In case of joint accounts, the right to register and transact through the Channel, shall be available if the mode of operation for the joint account is indicated as 'either or survivor' or 'anyone or survivor'. The User desirous of availing the Service through Channel should either be the holder of ICICI Bank’s Saving Account linked to the retail internet banking User ID held by the User as sole signatory or authorised to act independently in case of a joint account. The joint account holders shall have to register separately/individually on the Channel for accessing the Channel. All correspondence will be addressed to the person in whose name the registration is made on the Channel. All transactions arising from the use of the Channel in the joint account shall be binding on all the joint account holders, jointly and severally.

9. Charges:

At present there are no charges for the services offered through this Channel. However, ICICI Bank reserves the right to charge by giving due notice which shall not be less than one month and recover from the User such charge for providing Services through the Channel. The User hereby authorises ICICI Bank to recover the said charges by debiting one of the Accounts of the User or by sending a bill to the User who shall be liable to make the payment within the specified period. Failure to do so shall result in recovery of the applicable charges by ICICI Bank in a manner as ICICI Bank may deem fit along with interest, if any, and/or suspension of the Services made available through the Channel without any liability to ICICI Bank.

10. Maintenance of Sufficient Balance:

The User shall ensure that there are sufficient funds (or prearranged credit facilities)/minimum required balance in the Account/s of the User for transactions through the Channel 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 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 the Channel 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 the Channel as determined by ICICI Bank from time to time by debiting any of the Account/s of the User.

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

11. The User expressly agrees and acknowledges that in the event the User chooses to apply for Service/s provided by ICICI Bank through Channel, he/she may do so, by submitting the required 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 the Services being offered through the Channel and be bound by such terms and conditions at all times and which may be amended by ICICI Bank from time to time. Further, the User agrees and undertakes to sign such other documents as may be required by ICICI Bank from time to time.

12. Authority to ICICI Bank:

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

By registering for this Channel the User understands and acknowledges that ICICI Bank shall have access to and retain the information of the User’s Twitter user account including but not limited to basic information such as email ID, Twitter profile information, photographs and list of followers as well as list of Twitter users being followed.

The User understands and acknowledges that Twitter is not seeking any Account related information/details of the User and Twitter shall not be liable in any manner for such information/details.

ICICI Bank shall have no obligation to verify the authenticity of any transaction/ instruction received or purported to have been received from the User through the Channel or purporting to have been sent by the User other than by means of receiving request from his registered Twitter handle.

The read-out, the faxed /email output or the printed output, if any, that is received by the User at the time of availing the Service/s shall be deemed to be a proof of the availment of the Services on the Channel through operation of a computer or any other medium enabled by ICICI Bank for this purpose, by the User and shall be accepted as conclusive and binding for all purpose. All records of the transactions, generated by ICICI Bank and arising out of the availment and use of the Service/s through the Channel, including the time the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transaction. While ICICI Bank 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, technical issues or any requirement of law.

13. Instructions:

All instructions for accessing the Channel and/ or availment of Service/s shall be given, through computer or any other medium/channel enabled by ICICI Bank for the purpose, by the User in the manner indicated by ICICI Bank. The User is also responsible for the accuracy and authenticity of the instructions provided to ICICI Bank and the same shall be considered to be sufficient for ICICI Bank to effect. ICICI Bank shall not be required to independently verify the instructions, and the instruction shall remain effective unless such instructions are cancelled by subsequent instructions that maybe given by the User. ICICI Bank shall have no liability if it does not or is unable to stop or prevent the implementation of such instruction, which is subsequently cancelled. Where ICICI Bank considers the instructions to be inconsistent or contradictory it may seek clarification from the User before acting on any such instruction of the User or ICICI Bank may 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 given by a User. ICICI Bank may refuse to comply with the instructions without assigning any reasons 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 Channel if it has reason to believe that the User's instructions will lead to or expose ICICI Bank to direct or indirect loss. However, ICICI Bank may require an indemnity from the User if the User is allowed to operate the Channel / Service(s).

Any instruction, order, direction and/or request made through the registered Twitter handle of the User shall be deemed to be an instruction, order, direction and/or request received from the User. All instructions, requests, orders, directions entered by the User electronically or otherwise are the sole responsibility of the User. The user understands that entering an instruction, direction, order and/or request with ICICI Bank, either electronically or otherwise, does not guarantee execution of such instruction, direction, order and/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 and/or request.

14. Accuracy of Information:

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

15. Liability of the User and ICICI Bank:

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

16. Disclaimer of Warranties:

The User expressly agrees that the access / use of the Channel and/or availment of Services is at the User’s sole risk. The Channel 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 and including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy, completeness and any warranties relating to the non-intrusion by hackers into the Channel / Services.

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

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

17. Indemnity:

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

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

• a violation of the Terms contained herein by the User;
• any deletions, additions, insertions or alterations to, or any unauthorized use of / access to Channel /Service(s), by the User;
• any misrepresentation or breach of representation or warranty made by the User contained herein; or
• any breach of any covenant or obligation to be performed by the User hereunder.

The User agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

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

18. Disclosure of Information:

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

As per the Information Technology Act, 2000 (“Act”) a subscriber may authenticate an electronic record by affixing his digital signature. The Act also provides legal recognition to digital signatures for authentication of electronic records.

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

19. Change of Terms:

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

If in the opinion of the User, the changes are to his/her disadvantage, the User may opt to close the Account and/or discontinue with the Service/s, without paying any extra charges or interest at any time 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 modified Terms as stipulated by ICICI Bank .

20. Non-Transferability:

The grant of access to the Channel to a User is not transferable under any circumstance.

21. Termination:

The User may terminate his/her access to the Channel and/or discontinue availing the Services, by unfollowing ICICI Bank Twitter handle. The User shall remain responsible for any transactions made through the Channel until the time of such termination.

ICICI Bank may withdraw or terminate the access to the Channel and/or discontinue provision of the Service/s anytime either entirely or with reference to a specific Service or User; or in case of breach of the 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 11 shall survive on the termination of this arrangement or of the Channel for any reason whatsoever.

22. Notices:

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

23. Governing Law:

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

24. Applicability To Future Accounts:

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

25. General:

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

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

26. 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.

27. 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/scripts held in the Account(s) or in any other account, whether in singly or jointly, to the extent of all outstanding dues, whatsoever, arising as a result of the provision of Services to the User and/or access by the User of Channel.

28. Proprietary Rights:

ICICI Bank shall make reasonable efforts to advise the User/s from time to time regarding the web-browsers or mobile softwares required for availing the Service(s) and/or accessing the Channel. There will be no obligation on ICICI Bank to support all or any versions of the web-browser/s or mobile software as may be required for offering Service(s)/ providing access to Channel the web-browser/s or mobile softwares have not been advised by ICICI Bank. The User acknowledges that the underlying software as well as web-browsers or mobile softwares required for accessing the Channel / availing the Service/s are the legal property of the respective vendors. The permission given by ICICI Bank to access the Channel / avail the Service/s 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 underlying software or create any derivative product based on the software. “ICICI Bank” and “I man” logo are trademarks and property of ICICI Bank Limited. Infringement of any intellectual property is strictly prohibited.

29. 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 a downloadable file on the Website or the Channel. 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.

30. 24-Hour Customer Care Centre:

Any complaints with respect to the Services and/or Channel /Services can be registered at ICICI Bank 24-Hour Customer Care Centre.

Disclaimer:

"The products and services referred to herein are subject to the terms and conditions governing them as specified by ICICI Bank from time to time at the website of ICICI Bank i.e. www.icicibank.com. Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any products/ services of ICICI Bank. "ICICI" and "I-man" logos are trademark and property of ICICI Bank Ltd. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited. Our relationship is governed exclusively by these terms & conditions and no presumption of any relation other than that contemplated by this document shall be presumed or exist. ICICI Bank is not acting in a fiduciary capacity when making available any of the products and services referred to in this document, and accepts no liability nor responsibility whatsoever with respect to the use of this document or its contents. 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."