Terms & Conditions

IDBI Bank Services on WhatsApp Application

These terms and conditions (“WhatsApp Terms and Conditions” as amended from time to
time) are applicable to the Customer(s)/User(s) (defined hereinafter) that avail the Services
(defined hereinafter) provided thereon by IDBI Bank Limited (“Bank”) on the WhatsApp
platform and who are eligible for certain select banking services.

The WhatsApp Terms and Conditions shall be in addition to any other terms and conditions as
stipulated by the Bank from time to time on its website (www.idbibank.in) whether pertaining to
the account or in relation to other products, services, facilities or offers provided by the Bank.

Any services that may be offered to the Customer(s)/User(s) through the WhatsApp platform
(“WhatsApp”) is at the discretion of the Bank and/or basis the eligibility criteria of a
Customer(s)/User(s) and such services are subject to certain terms and conditions. In case of
conflict between any of these WhatsApp Terms and Conditions and the terms and conditions for
other services provided on the WhatsApp channel, specific terms and conditions of such services
shall prevail.

A. Definitions

(i) "Account(s)" or "Accounts" or "Account" refers to the bank account(s) so

maintained by the Customer(s)/User(s) with the Bank which are eligible
Account(s) for purposes of availing products and services through this
Application;
(ii) “Account Related Services” shall mean the Services which pertain to
information in relation to the Account of the Bank’s Customer including but not
limited to balance enquiry, statement request which are enabled by the Bank, from
time to time, at its sole discretion;
(iii) “Application” shall mean such application, access to which may be obtained by
the Customer(s)/User(s), for availing Services, by registering himself/herself with
the Application post successful authentication/verification. In the current
document, Application refers to “Whatsapp” which is provided by WhatsApp
Inc. a subsidiary of Facebook Inc., and its headquarter located at 1601 Willow
Road, Menlo Park, California 94025, United States of America. The services of
the WatsApp are been provided by an authorized service provider to which the
bank has entered in to an agreement
(iv) “Bank” refers to IDBI BANK LIMITED, a company incorporated and registered
under Companies Act, 1956 and a company within the meaning of the Companies
Act, 2013 and also a banking company within the meaning of Section 5 (c) of the
Banking Regulation Act, 1949 and having its Registered Office at IDBI Tower,
WTC Complex, Cuffe Parade, Mumbai – 400 005. The term includes the
successors and assigns of the Bank.
(v) “Customer” shall mean: (a) a resident customer(s) of the Bank holding an
Account/s; or (b) any prospective customer interacting with the Bank through
Registered Bank Number; availing the Services provided by the Bank through
 WhatsApp.
(vi) “Customer Information” refers to the personal data or information or such other
data or information including any sensitive personal data in relation to the
Customer such as information in relation to the account balance of the Customer,
shared by the Customer or provided to the Customer by the Bank or collected or
obtained from the Customer or from WhatsApp or from any such source in the
course of the Customer availing the Services hereunder.
(vii) “Debit Card” or “ATM Card” or “Card” refers to the card issued to the
Customer against the Account(s). The Services defined herein below, if accessible
on this Application are available to primary Debit Card/s linked to the Accounts
and not on add on cards.
(viii) "Device" means a computer, laptop, mobile phone, tablet or any other similar
device that enables the Customer(s)/User(s) to access WhatsApp and use the
Services.
(ix) “One Way Communication” shall mean the service provided by the Bank to the
Customer(s)/User(s) on WhatsApp where the Bank sends its Customer(s)/User(s)
one-way messages through its Registered Bank Number in the nature of
information, alerts, updates, transaction alerts in relation to the Customer’s
Account and such other communications as the Bank may enable from time to
time, at its discretion.
(x) “Two Way Communication” shall mean the service provided by the Bank to the
Customer(s)/User(s) on WhatsApp where the customer request for services to
which the banks sends the necessary response in the form of
information/offersdetails etc.,
(xi) “Privacy Policy” / “Privacy Commitment” shall have the meaning as ascribed
on the Website of the Bank.
(xii) “Registered Bank Number” is the authorized phone number of the Bank,
registered with WhatsApp for the purposes of providing Services herein;
(xiii) “Registered Customer Number” is the mobile number which the Customer has
registered with the Bank for availing these Services;
(xiv)
(xv) “Services” refers to One Way Communication and Two Way Communication
services/products as made available by the Bank by itself or through any of its
service providers to the Customer(s)/User(s) through this WhatsApp application
from time to time.
(xvi) “Terms” refer to terms and conditions for use of Whatsapp Banking as
specified in this document and any other addition/deletion in Terms from time
to time by the Bank.
(xvii)
(xviii) “User” refers to any user who uses the application and need not necessary to be a
customer of the Bank.
(xix) A “Session” is a temporary and interactive information interchange between two
or more communicating devices or between a computer and user. An established
communication session may involve more than one message in each direction.
B. In these Terms, unless the contrary intention appears:
(i) 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.

(ii) the singular includes the plural (and vice versa);

(iii) words importing any gender include the other gender. ‘We/us’ refers to the Bank
and ‘You/yours’ refer to the Customer(s)/User(s) using the WhatsApp facility /
Services;

(iv) the headings in these Terms are inserted for convenience of reference only and are to
be ignored in construing and interpreting the Terms;

(v) reference to the words “include” or “including” shall be construed without limitation;

(vi) reference to a gender shall include references to the female, male and neuter genders;

(vii) Reference to any statute, ordinance or other law includes all regulations and other
instruments and all consolidations, amendments, re-enactments or replacements for
the time being in force.

C. Eligibility for using the Services

The Customer(s)/User(s) hereby agrees and undertakes that he/she shall use the Services
only if he/she fulfills the eligibility as given below:

(i) The Customer(s)/User(s) is an individual and is a major;

(ii) The Customer is a Guardian of a minor;
(iii) The Customer(s)/User(s) is of sound mind, solvent and competent to contract;
(iv) The Customer is a resident of India and is present in the territory of India at the
time of utilization of the Services;
(v) The Customer is a non-resident India (NRI) or is residing outside India.

D. Applicability of Terms & Conditions:

These Terms form the contract between the Customer(s)/User and the Bank for availing
Services through Whatsapp application. By registering/opting-in for the Services and
accessing the Service, the Customer(s)/User acknowledge and accept the Terms and other
specific terms and conditions as pertaining to the Account and any other
products/offers/facilities and services availed by the Customer(s)/User(s) whether or not
through WhatsApp. Any conditions relating to the Account(s) of the Customer(s)/User(s)
other than Terms will continue to apply except that in the event of any conflict between
Terms hereof and the Account(s) conditions, these Terms will continue to prevail. These
Terms will be in addition to and not in derogation of the Terms and Conditions relating to
any Account(s) of the Customer(s)/User/or to those relating to services/facilities offered
by the Bank and availed by the Customer(s)/User. The Customer(s)/User agrees that in
the event the Customer(s)/User avails of any services/facilities offered by the Bank
through its website, the Customer(s)/User shall be bound by all Terms stipulated / to be
stipulated by the Bank from time to time displayed in the Bank’s website, pertaining to
such services/facilities and availed by the Customer(s)/User through Whatsapp
application.

No act, delay or omission by the Bank shall affect its rights, powers and remedies under
these Terms and Conditions and other terms on the Bank website (www.idbibank.in),
hereinafter referred to as “Website”).

The Customer(s)/User(s) hereby accepts and agrees that all Services and communications
(both One Way Communication and Two Way Communication) taking place on
WhatsApp, initiated either by the Bank or the Customer(s)/User(s), will be governed by
and subject to theseTerms. Further, the Customer(s)/User(s) hereby agrees that the
Customer(s)/User(s) grants express authority to the Bank for carrying out the Services
requested by the Customer(s)/User(s) on WhatsApp on its Registered Bank Number.
Provided however that the Bank shall not be required to authenticate the
Customer(s)/User(s), if any request for the Services comes on WhatsApp to the
Registered Bank Number, and in case of a Customer(s)/User(s), if the number reflected in
the requestor’s mobile is a Registered Customer Number, the Bank shall be entitled to
presume that it is the Customer itself which is interacting through WhatsApp and in case
of any other Customer the Bank shall be entitled to presume that the number reflected in
the WhatsApp profile is the Customer’s number and it is the Customer itself and not any
other person who is interacting with the Registered Bank Number. The Bank's own
record or log of transactions maintained through computer systems or otherwise shall be
accepted as conclusive and binding for all purposes.
(i) This service/s is/are available to Customer(s)/ who is/are holding Whatsapp
account(s), active mobile number and having a live bank account(s) with the Bank.
(ii) This facility is available to the User(s) who is/are holding Whatsapp account(s) and
active mobile number with limited services as decided by the Bank from time to time.
(iii)Customer(s)/User shall register him/her-self for using Whatapp Banking services in
such manner and through such modes as may be specified and made available by
Bank from time to time for availment and use of the services.
(iv) All account(s) opened with the Bank attached to the same Customer(s) Identification
Number either singly or as a joint Account Holder will be accessible through the
Application.
(v) If Services are extended to the Minor’s Account(s), the Bank shall not be liable or
responsible for any loss and consequences arising out of the sharing the credentials
with the minor/anyone. In such an event, the transaction through Whatsapp will be
 deemed to have been undertaken/done by the guardian and the Bank will not be held
liable or responsible under any circumstances.
(vi) Bank reserves the right to charge the Customer(s)/User for the services offered and
the charges will be displayed in the Bank’s website and the Customer(s)/User shall be
deemed to have taken note of the same.
(vii) It is understood that for the purpose of availing the Services:
a. This WhatsApp platform serves as supplementary medium through which the
Bank can communicate with the Customer(s)/User(s) and provide Services
and further enable certain services as the Bank may decide in its sole
discretion
b. Customer(s)/User(s) shall have to put in a One Time Password (OTP) once in
every session for availing the Services successfully.

(viii) The Customer(s)/User(s) shall take all necessary precautions to prevent

unauthorized and illegal use of the Services offered through the Application. The
Bank shall not be held liable or responsible to the Customer(s)/User(s) in the event of
any such unauthorized and illegal use of Services offered.
(ix) The Customer(s)/User(s) agree to notify Bank immediately of any unauthorized use
of OTP/Debit Card PIN/Passwords or any other breach of security regarding the
Service.
(x) The Customer(s)/User(s) shall irrevocably and unconditionally authorise the Bank to
access necessary information for effecting transactions executed by him under the
Services and to share the necessary information with any third parties for the purpose
of accepting/ executing such requests.
(xi) The Bank may keep records of the transactions as per its normal practice. In the event
of any dispute, Bank's records shall be binding as the conclusive evidence of the
transactions carried out through WhatsApp Banking services.
(xii) The Customer(s)/User(s) shall agree not to use/access WhatsApp Banking and/or
Services offered through the same in any manner other than as authorized by the
Bank. In case the Customer(s)/User(s) uses WhatsApp Banking for any purpose
which is illegal, improper or which is not authorised under these Terms/other
specified terms then Bank has a right to take all reasonable measures in order to
prevent unauthorised access to WhatsApp Banking services of the Bank.
(xiii) While utilizing the Services, the Customer(s)/User(s) shall ensure that:
a. The full right and /or authority to access and avail the services obtained, shall
observe and comply with the applicable laws and regulations in each
jurisdiction in applicable territories.
b. To provide the Bank with such information and/or assistance as is required by
the Bank for the performance of the service and /or any other obligations of
the Bank under Services.
c. He/she is responsible for providing the accurate and authentic
information/instructions to the Bank for availing such Services.
(xiv) The Customer(s)/User(s) shall ensure that he/she is utilizing this service at his/her
own risk and the Bank shall not be held liable or responsible under any
circumstances. These risks would include the following risks:
 a. Any failure on the part of the Customer(s)/User to utilize the Services due to
the technical glitch, network failure, legal restraints and other reasons beyond
control of Bank.
b. Use of the Services
c. For the performance of any other entity involved in the process; and for any
loss or damage incurred or suffered due to any error, defect, failure or
interruption of the service or consequences arising out of delayed remittance.
d. Any loss of damage arising or resulting from delay in transmission delivery or
non-delivery of Electronic instructions or any mistake, omission or error in
transmission or delivery thereof or in deciphering the instructions from any
cause whatsoever or from its misinterpretation received or any act or even
beyond control of Bank.
e. The technology for enabling the services offered by the Bank could be
affected by virus or other malicious, destructive or corrupting code, program
or macro. It may be possible that the site of the Bank may require
maintenance and during such time it may not be possible to process the
request of the Customer(s)/User. This could result in delays in the processing
of instructions or failure in the processing of instructions and other such
failures and inability. The Bank disclaims all and any liability, whether direct
or indirect, whether arising out of loss or otherwise arising out of any failure
or inability by the Bank to honour any Customer(s)/User(s) instruction for
whatsoever reason.
(xv) The Bank shall assume no responsibility for:
a. Transactions carried out under the Service in good faith relying on the
Customer(s)/User instructions.
b. Not carrying out transactions where the Bank has reason to believe in its sole
discretion that the instructions are not genuine or are otherwise unclear,
improper, vague or doubtful, which shall not be questioned or challenged by
the Customer(s)/User(s).
c. The Customer(s)/User(s) shall acknowledge and agree that the Bank remains a
mere facilitator for this service and that the Bank does not warrant or claim
any responsibility for this service nor does the Bank endorse any such service
and/or its standing or reputation whatsoever and the Bank is not liable for any
deficient or bad services in any manner whatsoever and for any loss,
whatsoever that he/she may suffer. The risk in this regard is entirely on the
Customer(s)/User(s).
d. Unauthorized access of any third party to the information/instructions given
by the Customer(s)/User(s) to third party using said Services.
e. For any direct, indirect or consequential damages occurred to the
Customer(s)/User(s) while availing these Services, arising out of any error in
the Services and which are beyond control of Bank.
f. When Bank acted in good faith.
g. Any loss, damage, liability caused or suffered by the Customer(s)/User(s) due
to disclosure of all information of confidential nature.
(xvi) The Customer(s)/User(s) shall agree that the charges if any for the Services
offered by the Bank will be at the sole discretion of the Bank and the Bank is at the
 liberty to withdraw/modify/vary the same from time to time, without giving any
notice to the Customer(s)/User(s).
(xvii) The Customer(s)/User(s) shall agree to indemnify, defend and hold harmless the
Bank and its directors, officers, owners, agents, co-branders or other partners,
employees, information providers, licensors, licensees, consultants, contractors and
other applicable third parties (collectively "Indemnified Parties") from and against
any and all claims, demands, causes of action, debt or liability, including reasonable
attorney's fees, and costs incurred by the Indemnified Parties arising out of, related to,
or which may arise from the actions of the Customer(s)/User including :
a. Any breach or non-compliance of any term of these Terms of Service or any of
the laws, rules, regulations, circulars and notifications issued by Regulators, etc.
by the Customer(s)/User(s).
b. Any dispute or litigation caused by the Customer(s)/User(s) actions or omissions.
c. Any negligence or violation or alleged violation of any law or rights of a third
party.

E. The Customer(s)/User(s) shall agree that, by use of these Services, he/she shall be
deemed to have agreed to all the above Terms and such Terms shall be binding in the
same manner as if he/she has agreed to the same in writing.

F. Services
The Customer(s)/User(s) agrees and accepts that the Bank reserves the right to provide
only such Services as the Bank may at its discretion permit from time to time. The Bank
may also inform/update the availability/non-availability of any particular Service, at its
sole discretion. The Customer(s)/User(s) hereby agree that the Bank may at any time,
without notice to the Customer, modify, discontinue or make additions/deletions to the
Services offered to the Customer. The Customer(s)/User(s) agrees that he shall not hold
the Bank responsible for not responding to the queries of/ information sought by the
Customer or not providing a response to the satisfaction of the Customer(s)/User(s) or not
processing any request of the Customer(s)/User(s), in case such a message sent by the
Customer(s)/User(s) in case the Bank does not receive an instruction to this effect in its
systems or the message sent by the Customer(s)/User(s) is not in the format as required
by the Bank or does not fall under the Services being offered by the Bank at the time or
the Bank does not receive such a message for technical reasons or otherwise or for any
reason whatsoever. The Bank will have no liability in case of any fraud or impersonation
incidents through the WhatsApp platform. Further, in case the Bank permits any Service
in the nature of a transaction, the Customer(s)/User(s) agrees that such a Service shall be
subject to statutory/ regulatory limits and/or any limits that may be imposed by the Bank,
from time to time, at its sole discretion.

G. Registration for the Application Access:

Customer(s)/User(s) shall be required to register on the WhatsApp Application to avail
WhatsApp banking services with the same mobile no. updated in Bank records. As a
safety measure the Customer(s)/User(s) must ensure that not to let any unauthorised
person have access to the Application.
 For availing the One Way Communication and Two Way Communication service, the
Customer(s)/User(s) agrees and confirms to have accepted (a) the WhatsApp Terms and
Conditions applicable to the Customer for availing the Services mentioned herein; (b) the
Privacy Policy of the Bank applicable to the Customer(s)/User(s) for availing the
Services mentioned herein; (c) any other Account/product/service/offer related specific
terms and conditions as applicable and (d) all terms and conditions prescribed by
WhatsApp for using its platform.
Provided that, the Bank may modify the process for authentication, registration and/or
verification of the Customer(s)/User(s), for One Way Communication and/or Two-Way
Communication, at any time, at its sole discretion.

H. Unsubscribe/Opt-out:
Customer(s)/User(s) may choose/request for de-registration/un-subscription/Opt-out of the
Services at any point of time by following the process as may be prescribed by the Bank from
time to time. The process for de-registration/un-subscription shall be updated in the
Application/Bank Website time to time. Currently, the Customer(s)/User(s) can Send ‘STOP’
keyword on the WhatsApp platform.
However, the Customer(s)/User(s) agrees that for this to come into effect, it may take
such time as may be required by the Bank. The Customer(s)/User(s) agrees that he will
remain responsible for any requests made/ messages sent to the Bank using the Services
prior to the time such cancellation of the Services is effected by the Bank. The Bank will
be at liberty to discontinue/ suspend/ terminate the Customer’s use of the Services at any
time without assigning any reason whatsoever. The Bank may also discontinue or
suspend or terminate Services/ facilities without prior notice if these Terms and
Conditions are breached.
Once the Bank receives the notification of the unsubscribing, Bank will no longer process
Customer(s)/User(s) information for the purpose(s) originally agreed to and sent any
further notification/message through WhatsApp, unless legally permissible otherwise.

I. Important:
(i) The Customer(s)/User(s) shall apply to Bank for use of the Services (and/or for
any changes to the options available under the Services) in such manner and
through such modes as may be specified and made available by Bank from time to
time including but not limited to application through forms as prescribed by Bank,
and/or infinity, Bank 24-Hour customer care number, SMS if and when made
available as permitted modes by Bank for use of the Services through the
WhatsApp platform.
(ii) Bank in its sole discretion shall decide the devices, software platforms, versions,
networks, methods, and data services that will be supported by the WhatsApp
platform for providing these Services. Any attempts to modify unsupported
versions for use in the WhatsApp platform will be treated an unauthorized use and
violation (“Unauthorized Use”) of these WhatsApp Terms and Conditions. The
Services through the WhatsApp platform shall be suspended with immediate
effect if there is Unauthorized Use by the Customer(s)/User(s).
(iii) The Customer(s)/User(s) agrees that the he/she shall be responsible for upgrading
any software, hardware and the operating system at his/her own cost from time to
 time so as to be compatible to continue to avail the Services offered by the Bank.
The Bank shall be at liberty to change, vary or upgrade its software, hardware,
operating systems, etc. from time to time and shall be under no obligation to
support the software, hardware, operating systems used by the
Customer(s)/User(s) and that the same shall be the Customer’s/User’s sole
responsibility. Some Services may not work on an outdated platform and hence it
is Customer’s/User’s sole responsibility to ensure timely upgradation of the
WhatsApp platform.
(iv) By subscribing to Services on WhatsApp platform, the Customer agrees to get
notifications via WhatsApp including account information, transaction details,
and other services/communications/product information/offers/notices etc., by
Bank time to time on the Registered Customer Number via WhatsApp.
(v) The Customer irrevocably and unconditionally authorizes the Bank to access all
his/her account(s) for effecting banking or other transactions for the Service
requests received through the WhatsApp platform and to share the account
information with any third parties for the purpose of accepting/ executing such
Service requests of the Customers.
(vi) The Customer agrees that any Account related Services including in relation to
any card, loan related information/Service etc. (at the discretion of the Bank) shall
be provided to the Customers through WhatsApp platform, only to a WhatsApp
account associated with the Registered Customer Number.
(vii) The Customer(s)/User(s) is aware that it may not be possible for the Bank to give
detailed information on the Service/functionalities. The Bank shall not be
responsible or liable to the Customer(s)/User(s) or any third party for the
consequences arising out of or in connection with using of this Service or with
respect to the limited information provided by the Bank on WhatsApp. In case the
Customer requires further information, Customer can reach out to Bank either in
the nearest branch, on Bank’s Customer Care number or through any other
channels provided by the Bank.
(viii) The responses sent by the Bank on WhatsApp platform (either for One Way
Communication and/or Two Way Communication) are based on a program
running at back-end. This program has been developed and regularly enhanced to
handle the queries in best possible manner. However, for any answers that the
Customer may not find satisfactory or for any inaccuracies arising therefrom, the
Bank shall not be held responsible. The Customer(s)/User(s) may call Customer
Care number or email at customercare@idbi.co.in or visit www.idbibank.in in
case of any clarifications.
(ix) The Customer(s)/User(s) agrees that Bank and / or its affiliates may hold and
process the Customers personal information concerning the account/s on
computer or otherwise in connection with the WhatsApp facility as well as for
analysis, credit scoring and marketing. You agree and consent that we may
collect, store, use and/or disclose your personal data for the Services as detailed
on our Website. The Customer(s)/User(s) also agrees Bank may disclose, in strict
confidence, to other institutions, its service providers, such information as may be
reasonably necessary for reasons inclusive of but not limited to the participation
in any telecommunication or electronic clearing network, in compliance with
 legal directive, for credit rating by recognized credit scoring agencies, and for
fraud prevention. The Customer(s)/User(s) using the WhatsApp facility authorizes
Bank to collect and use technical information about the equipment and related
software, hardware and peripherals and any data and information stored in the
equipment, whether internet-based or wireless, to improve Bank's products and to
provide services to the Customer.
(x) All records of Bank generated by the transactions arising out of use of the
Services through the WhatsApp platform, including the time of the transaction
recorded shall be conclusive proof of the genuineness and accuracy of the
transactions.
(xi) Where Bank considers the instructions to be inconsistent or contradictory with
any past instructions or any simultaneous instructions provided by
Customer(s)/User(s) to the Bank through other channels provided by the Bank it
may seek clarification from the Customer(s)/User(s) before acting on any
instruction of the Customer(s)/User(s) or act upon any such instruction as it may
deem fit. Bank shall have the right to suspend the Services if Bank has reason to
believe that the Customer's/User’s instructions may lead to direct or indirect loss
or may require an indemnity from the customer.
(xii) The Customer(s)/User(s) accepts that all information /instructions will be
transmitted to and /or stored at various locations and be accessed by personnel of
Bank (and its affiliates) or its service providers.
(xiii) On the Customer(s)/User(s) opting in for the Services through the WhatsApp
platform, the Bank has the discretion to stop sending these alerts on SMS or any
other channel.
(xiv) The Customer(s)/User(s) is/are responsible for keeping security safeguard of his
WhatsApp account linked to the mobile number.
(xv) The Customer(s)/User(s) understand(s) that using WhatsApp application may
carry extra risks and may not be secured. Further any message and information
exchanged is subject to the risk of being read, interrupted, intercepted, or
defrauded by third party or otherwise subject to manipulation by third party or
may involve delay in transmission. Bank shall not be responsible or liable to the
customer or any third party for the consequences arising out of or in connection
with using of this Service.
(xvi) The Customer(s)/User(s) understands that mobile phones are vulnerable to the
threats such as but not limited to unauthorised -
a) Access by intruders to the data /information
b) Identity theft
c) Privacy violations
d) Planting of stealth software and viruses
e) Disablement or distortion of operations
f) Interception of the transmission of encrypted data/message etc.
User shall immediately notify Bank in writing if user discovers/ suspects
unauthorized access.
(xvii) The Bank shall not be responsible or liable to the Customer(s)/User(s) or any third
party for the consequences arising out of or in connection with using of this
 Service. The Customer should immediately opt-out of the Services as per the
unsubscribe process.
(xviii) The Customer(s)/User(s) is aware that using mobile applications involves many
uncertain factors and complex software, hardware, systems, etc. which are
susceptible to interruptions and dislocations. Bank do not make any representation
or warranty that the WhatsApp facility/service will be available at all times
without any interruption and further that Bank shall not be responsible for any
variation, reduction or imposition of the terms or the Customer(s)/User(s)
inability to use the mobile application.
(xix) The Customer(s)/User(s) is aware that authenticated technologies and strict
security measures are required for using mobile applications. Customer(s)/User(s)
undertakes to ensure that the password is not revealed to any third party including
Bank officials or any unauthorized person. Customer(s)/User(s) shall be solely
responsible for all the communication exchanged between customer and Bank
while logging into this service.
(xx) Under no circumstances shall Bank, or its officials, employees, be liable for any
direct, indirect, punitive, incidental, special, or consequential damages that result
from the use of, or inability to use, this service or for receipt of any answer
provided by Bank program running at the back-end.
(xxi) The Customer(s)/User(s) agrees that the Customer shall not have any claim
against Bank on account of any suspension, interruption, non-availability or
malfunctioning of the WhatsApp service due to any link/mobile/system failure at
Bank’s end for any reason thereof.
(xxii) The Customer(s)/User(s) shall not reproduce, copy, or redistribute for commercial
purposes any materials or design elements of this WhatsApp service.
(xxiii) The Customer(s)/User(s) shall ensure appropriate data network connection.
Receipt of messages by Customer(s)/User(s) shall be subject to the data network
connection and Bank shall not be held responsible for any delay or non-receipt of
the responses at WhatsApp channel.
(xxiv) The Customer(s)/User(s) shall not submit or transmit any content through this
WhatsApp channel that is:
(a) Obscene, Vulgar, or Pornographic, immoral, illegal, illicit, unethical etc.
(b) Encourages the commission of a crime or violation of any law.
(c) Violates any law in India and/or the jurisdiction in which Customer(s)/User(s)
resides.
(d) Infringes the intellectual or copyrights of the Bank or a third party.
(e) Constitute confidential information and/or personal or sensitive
information/data belonging to the Customer(s)/User(s) or any third person.
(xxv) Bank reserves the right to remove or otherwise delete any content or submissions
made by the Customer(s)/User(s) that violates the rules or which are
inappropriate, as per Bank’s sole discretion, without any liability or giving
warning to the Customer(s)/User(s).
(xxvi) All instructions for availing the services under the WhatsApp facility shall be
provided through the Registered Customer Number in the manner indicated by
Bank. The Customer is also responsible for the accuracy and authenticity of the
instructions provided to Bank and the same shall be considered to be sufficient for
 availing of the services under the WhatsApp facility. The alerts would be sent on
the mobile phone number, last registered with the Bank.
(xxvii) The Customer(s)/User(s) agrees that if he/she notices any error in any information
supplied to the Customer(s)/User(s) by the use of any of the Services, the
Customer(s)/User(s) shall inform the Bank of the same, as soon as possible. The
Bank will endeavor to correct the error promptly. The Customer(s)/User(s) agrees
that all outputs of statements that may appear on WhatsApp, upon making a
request to that effect, are information extracted from a computerized back up
system maintained by the Bank and may not be continuously be updated in real
time. The Bank shall provide the information as may be last updated on the
systems of the Bank. While the Bank will take all reasonable steps to ensure the
accuracy of the statement, the Bank is not liable for any error and shall not hold
the Bank responsible for any loss incurred or action taken by the
Customer(s)/User(s) by relying on such information.
(xxviii)The Customer(s)/User(s) agrees that the responses received by the
Customer(s)/User(s) from Bank are based on program running at backend. This
program has been developed and regularly enhanced to handle the queries in best
possible manner. However, for any inappropriate/inaccurate answers or any
answers that the Customers may not find satisfactory, the Bank shall not be held
responsible.
(xxix) It is recommended for Customer(s)/User(s) who have subscribed to this
WhatsApp service to delete WhatsApp application when changing their device so
as to ensure there is no misuse of the same.
(xxx) That all the Services provided to the Customer(s)/User(s) are subject to applicable
law and the rules, regulations, notifications, circulars and guidelines introduced or
amended from time to time by the Reserve Bank of India and/or any regulatory/
statutory/ governmental authority.
(xxxi) The Bank has the right to retract the Customer’s/User’s right to utilize the
Services anytime it deems fit without any notice to the Customer(s)/User(s).
(xxxii) The Customer(s)/User(s) hereby acknowledges that he is availing the Services at
his own risk and the Customer(s)/User(s) shall not hold the Bank responsible or
liable for any of the risks including but not limited to the following:
(a) Password misuse- The Customer(s)/User(s) acknowledges that if any third
person obtains access to the Customer's/User’s device or SIM card or the
Customer’s WhatsApp, such third party may be in a position to access
Customer(s)/User(s) information including Account related information of
the Customer(s)/User(s), which may be confidential in nature such as
account balance, mini bank statements, etc. of the Customer
Customer(s)/User(s).
(b) Mistake/Error- the Customer(s)/User(s) acknowledges that the
Customer(s)/User(s) may be sent responses or shown information which
may not be applicable to him/her or may not be sent a satisfactory
response, and the Customer(s)/User(s) agrees that in such a scenario the
Bank shall not be liable for any loss to the Customer(s)/User(s) in this
regard. The Customer(s)/User(s) shall therefore take all care to ensure that
there are no mistakes and errors and that the message sent/ request made/
 query asked by the Customer(s)/User(s) to the Bank in this regard is error
free, accurate, proper and complete at all points of time. The
Customer(s)/User(s) agrees that the Bank is providing the Services at the
Customer’s/User’s sole risk. The Customer(s)/User(s) agrees that the Bank
shall not be liable for any loss, damages or consequences whatsoever
arising due to any erroneous or incomplete information or any delay in
executing the instructions for reasons beyond the control of the Bank. The
Customer(s)/User(s) shall be liable and responsible to Bank and accede to
accept the Bank's instructions without questions for any unfair or unjust
gain obtained by him in the course of availing of the Services.
(c) It may also be possible that the site of the Bank may require maintenance
or is otherwise down or there is a technical failure and during such time it
may not be possible to process the request of the Customer(s)/User(s).
This could result in delays in the processing of instructions or failure in
the processing of instructions and other such failures and inability. The
Customer(s)/User(s) understands that the Bank disclaims all and any
liability, whether direct or indirect, whether arising out of loss of profit or
otherwise arising out of any failure or inability by the Bank to honour any
Customer(s)/User(s) instruction for whatsoever reason. The
Customer(s)/User(s) unequivocally and unconditionally understands and
accepts that the Bank shall not be responsible for any of the aforesaid
risks. The Customer(s)/User(s) also accepts that the Bank shall disclaim
all liability in respect of the said risks.
(xxxiii)The Customer(s)/User(s) agrees that the Registered Bank Number on the
WhatsApp platform cannot be used for grievance redressal or reporting fraud as
of now, Bank will have no liability on reporting of such incidents received
through WhatsApp. The Customer(s)/User(s) may call Customer Care number or
email at customercare@idbi.co.in or visit www.idbibank.in in case of any
clarifications.
(xxxiv) These Terms may be withdrawn, superseded or modified at any time whatsoever,
by the Bank without any prior notice.

J. Third Party:
WhatsApp is owned by a third-party unaffiliated with Bank. The Customer(s)/User(s)
shall independently be guided by the privacy policies of WhatsApp and the third parties
or group companies of WhatsApp and the Bank has no control over them. Bank is not
responsible for the privacy or security policies at these sites or other third-party sites that
may be linked to within the Bank’s social media channels. The Customer(s)/User(s)
should always review the privacy and security practices and policies of each third-party
site visit. The Bank does not endorse and is not responsible for any ads, content,
products, advice, opinions, recommendations or other material of third-party sites that
may be promoted via advertising within any social media channels.
The Customer(s)/User(s) further understands and agrees that WhatsApp or any other
service provider through which we are providing the WhatsApp facility can review and
monitor, store the contents shared/communicated through the WhatsApp or other service
provider(s) and may share the same with third parties.
 In view of the above, Bank strongly recommends that:
(i) Never share privacy-sensitive details via WhatsApp messages/ through the WhatsApp
facility.
(ii) That we will not send messages of our own accord this way and will only respond to
the messages sent to us except for any important communication and awareness
messages.
(iii)Not to contact us through the WhatsApp channel for complaints, grievances or similar
important matters.

K. Indemnity:
In consideration of Bank providing the WhatsApp facility, the Customer(s)/User(s), at his
own expense, agrees to indemnify, defend and hold harmless, Bank, its directors and
employees, representatives, agents, customers and/or the affiliates, as the case may be,
against all losses, damages, expenses, actions, claims, demands and proceedings
whatsoever, that Bank may incur, sustain, suffer or be put to at any time as a consequence
of acting on or omitting or refusing to act on any instructions given by the
Customer(s)/User(s) or otherwise for use of the WhatsApp facility.
The Customer(s)/User(s) further specifically agrees to indemnify, defend and hold
harmless, Bank and/or its affiliates from any losses occurring as a result of the:
i. the Customer(s)/User(s) permitting any third parties to use the WhatsApp facility.
ii. the Customer(s)/User(s) permitting any other person to have access to his mobile
phone or as a consequence of leaving the mobile phone unattended or loss of mobile
phone and the Bank acting/not acting on any instructions received from the same.
iii. the Customer(s)/User(s) having breached the Terms.

L. Change of Terms:
Bank shall have the absolute discretion to amend or supplement any of the Terms,
primary terms or guidelines at any time by hosting the same on the website or in any
other manner as decided by Bank. The Customer(s)/User(s) shall be responsible for
regularly reviewing these Terms, primary terms, guidelines and other terms including
amendments thereto as may be posted on the website. Such amended Terms, primary
terms, guidelines; other terms will thereupon apply to and be binding on the
Customer(s)/User(s).
If in the opinion of the Customer(s)/User(s), the changes are to his/her
disadvantage, the Customer(s)/User may opt to close the Account(s) and/or discontinue
with the Service/s.
By using any new services as may be introduced by Bank, the
Customer(s)/User(s) shall be deemed to have accepted the changed Terms and additional
terms and conditions stipulated by Bank.

M. Non-Transferability:
The grant of access to the Application to a Customer(s)/User(s) is not transferable under
any circumstance and shall be used only by the Customer(s)/User(s).
N. Termination:
Bank may, at its discretion, withdraw temporarily or terminate the WhatsApp facility,
either wholly or in part, at any time without giving prior notice to the
Customer(s)/User(s). Bank may, without prior notice, or in case of breach of Terms by
the Customer(s)/User(s) without a prior notice; or if it learns of the death, bankruptcy or
lack of legal capacity of the Customer(s)/User(s), suspend the WhatsApp facility at any
time during which any maintenance work or repair is required to be carried out or in case
of any emergency or for security reasons, which require the suspension of the WhatsApp
facility.

O. Proprietary Rights:
The Customer(s)/User(s) acknowledges that the software/ other internet related software
which are required for providing the Services or any Intellectual Property Rights of the
Bank in the process are the legal property of the Bank/ respective service providers. The
permission given by the Bank to avail of the Services to the Customer(s)/User(s) will/
does not create or convey any rights, title or interest to the Customer(s)/User(s) or to any
person, in the above software or Intellectual Property Rights of the Bank. The
Customer(s)/User(s) agrees that he shall not attempt to modify, translate, disassemble,
decompile or reverse engineer such software or create any derivative product based on
the software.

P. Notices:
Notices under these Terms may be given by Bank and the Customer(s)/User(s) in writing
by delivering them by hand or by sending them by post to the last address given by the
Customer(s)/User(s) and in the case of Bank to its corporate office address as set out
hereinabove. In addition, Bank may also send the notices to the customers email ids if
registered with the Bank or publish notices of general nature, which are applicable to all
Customer(s)/User(s) in a newspaper or on its website. Such notices will have the same
effect as a notice served individually to each Customer(s)/User(s). Notice and instructions
will be deemed served 7 days after posting or upon receipt in the case of hand delivery,
cable, telex or facsimile.

Q. Disclosure:
The Customer(s)/User(s) hereby expressly authorize and give consent to the Bank to
share, exchange, disclose, transfer or part with any of Account information or personal
data, contained provided to/ available with the Bank, when the bank considers such
disclosure as necessary or expedient, with:.
(a) WhatsApp, employees or agents of the Bank, group entities, subsidiaries, branches in
any jurisdiction;
(b) Auditors, any agencies/credit bureaus, any court or tribunal or any statutory,
regulatory, judicial, governmental or administrative authority Central KYC registry,
SEBI Know your client registration agency having jurisdiction over the Bank or its
group entities/subsidiaries/branches;
(c) Service providers or any such person with whom the Bank contracts or proposes to
contract in relation to the provision of services in respect of the account or facilities;
For the purpose: -
 (i) of compliance with applicable laws or any order (judicial or otherwise), statutory
or regulatory requirement to which the Bank, it’s subsidiaries or any it’s branches
are subject to; or
(ii) of facilitating banking transactions through the WhatsApp platform or otherwise);
or
(iii) disclosures for credit review of any account, assets or service or any credit facilities
received/availed/held by the Customer(s)/User(s) from the Bank (whether singly or
jointly or otherwise); or
(iv) for authentication or verification purposes, or
(v) research or analytical purposes, credit reporting, credit scoring, risk management,
anti-money laundering checks, participation in any telecommunication; or
(vi) to design financial services and to offer an enhanced, personalized online
experience on the Website and third party websites or otherwise.
(vii) for enabling registration/verification/offering of any products or any investments
to be made by the Customer(s)/User(s) with Bank’s group companies/other
companies.

R. Governing Law:
These Terms and/or the operations in the Account(s) of the Customer(s)/User(s) shall be
governed by the laws of India. The Customer(s)/User(s) 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. 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 Customer(s)/User(s) hereby consents to that jurisdiction.
Bank accepts no liability whatsoever, direct or indirect for noncompliance with the laws
of any country other than that of India. The mere fact that the WhatsApp facility can be
accessed by a Customer(s)/User(s) in a country other than India does not imply that the
laws of the said country govern these terms and conditions and / or the operations in the
account/s/services/offers provided to the customer and / or the use of the WhatsApp
facility.

S. Severability:
Any provision of the Terms which is prohibited or unenforceable in any jurisdiction shall,
as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but
shall not invalidate the remaining provisions of the Terms or affect such provision in any
other jurisdiction.

T. Applicability to Future Account(s):

Bank and the Customer(s)/User(s) agree that if the Customer(s)/User(s) opens further
Account(s) with/subscribes to any of the products/services of Bank or any of the
affiliates, and Bank extends the access to Application/ Services to such Account(s) or
products or services and the Customer(s)/User(s) opts for use thereof, then the Terms
shall automatically apply to such further use / access by the Customer(s)/User(s).
 U. Disclaimer of Warranties/Liability:
The Customer(s)/User(s) expressly agrees that the access / use of the Application and/or
availment of Services is at his/her sole risk. The Application is provided on an "as is" and
"as available" basis.
Except as warranted in the Terms, Bank expressly disclaims all warranties of any
kind, whether express or implied or statutory, including, but not limited to the implied
warranties of merchantability, fitness for a particular purpose, data accuracy and
completeness, and any warranties relating to non-infringement in Application / Services.
Bank shall not be responsible for any failure on the part of the
Customer(s)/User(s) to utilize the WhatsApp facility due to the Customer not being
within the geographical range within which the WhatsApp facility is offered and which
forms part of the roaming network of such cellular service provider, providing services to
the Customer(s)/User(s) availing such roaming facility from the respective cellular
service provider. If the Customer(s)/User(s) has reason to believe that the mobile phone
number is / has been allotted to another person and / or there has been an unauthorized
transaction in the account and / or his mobile phone handset is lost, he shall immediately
inform Bank of the same.
The 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
Services.
The Customer(s)/User(s) agrees that Bank shall not be liable if:
i. the Customer(s)/User(s) has breached any of the terms and conditions, contained
herein or
ii. the Customer(s)/User(s) has contributed to or the loss is a result of failure on part of the
Customer(s)/User(s) to advise Bank within a reasonable time about unauthorized access
of or erroneous transactions by use of the Services; or
iii. as a result of failure on part of the Customer(s)/User(s) to advise Bank of a change in or
termination of the Customer's mobile phone numbers/SIM (“Subscriber Identity
Module”) cards.
iv. there has been an unauthorized transaction/instruction provided through the
WhatsApp channel as a result of any person having control or custody of
telecommunications instrument (such as the mobile handset) so that such instrument
may be used to give telecommunications instruction without authorization or any
other issue/default/error/technological problem in the telecommunication instrument
(such as the mobile handset) or duplication of mobile number / SIM of the Customer
such as but not limited to SIM card cloning, virus in handset etc.

Bank shall endeavor to provide the WhatsApp facility on a best effort basis and the
Customer(s)/User(s) shall not hold Bank liable for non-availability of the WhatsApp facility or
non-performance by service providers, if any, engaged by Bank or any loss or damage caused to
the Customer as a result of use of the WhatsApp facility for causes which are not attributable to
Bank. Bank shall not be liable in any manner to the Customer(s)/User(s) in connection with the
use of the WhatsApp facility.
Bank shall endeavor to carry out the instructions received from the Customer(s)/User(s) through
the WhatsApp channel promptly, provided that Bank, shall not be responsible for the delay in
carrying out such instructions due to any reason whatsoever, including, but not limited to, failure
of operational system or any requirement of law or Bank’s internal policies.
The Customer(s)/User(s) accepts that each WhatsApp communication may contain certain
account information relating to the Customer(s)/User(s). The Customer(s)/User(s) authorizes
Bank to send account related information, though not specifically requested, if Bank deems that
the same is relevant.
Bank shall not be held responsible for the confidentiality, secrecy and security of the personal or
account information being sent through the WhatsApp facility. The Customer(s)/User(s) agrees
that the access to the WhatsApp facility shall be only through the Registered Customer Number
and any transaction which originates from the same, whether initiated by the Customer or not,
shall be deemed to have originated from the Customer(s)/User(s).
Under no circumstance, Bank shall be held liable if the WhatsApp facility is not available for
reasons including but not limited to natural calamities, epidemic/pandemic, legal restraints, faults
in the telecommunication network or network failure, or any other reason beyond the control of
Bank. Bank shall not be liable under any circumstances 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 Customer(s)/User(s) or by any other person. Illegal or
improper use of the WhatsApp facility shall render the Customer(s)/User(s) liable for payment of
financial charges as decided by Bank or will result in suspension of the WhatsApp facility for the
Customer(s)/User(s).
Bank is in no way liable for any error or omission in the services provided by any cellular or any
third party service provider (whether appointed by Bank in that behalf or otherwise) to the
Customer(s)/User(s), which may affect the WhatsApp facility.
Bank, does not warrant the confidentiality or security of the messages whether personal or
otherwise transmitted through the WhatsApp facility. Bank makes no warranty or representation
of any kind in relation to the system and the network or their function or performance or for any
loss or damage whenever and howsoever suffered or incurred by the Customer(s)/User(s) or by
any person resulting from or in connection with the WhatsApp facility.
Without limitation to the other provisions of these WhatsApp Terms and Conditions, Bank, its
employees, agent or contractors, shall not be liable for and in respect of any loss or damage
whether direct, indirect or consequential, including but not limited to loss of revenue, profit,
business, contracts, anticipated savings or goodwill, loss of use or value of any equipment
including software, whether foreseeable or not, suffered by the Customer or any person
howsoever arising from or relating to any delay, interruption, suspension, resolution or error of
Bank in receiving and processing the request and in formulating and returning responses or any
failure, delay, interruption, suspension, restriction, or error in transmission of any information or
message to and from the telecommunication equipment of the Customer and the network of any
cellular service provider and Bank's system or any breakdown, interruption, suspension or failure
of the telecommunication equipment of the Customer(s)/User(s), Bank's system or the network
of any cellular service provider and/or any third party who provides such services as is necessary
to provide the WhatsApp.
Notwithstanding anything in the contrary provided in this terms and conditions, Bank shall not
be involved in or in any way liable to the Customer for any dispute between the
Customer(s)/User(s) and a cellular service provider or any third party service provider or
WhatsApp (whether appointed by Bank for such purpose or otherwise) while availing these
Services through the WhatsApp platform.
The Customer(s)/User(s) shall not interfere with or misuse in any manner whatsoever the
WhatsApp facility and in the event of any damage due to improper or fraudulent use by the
Customer, the Customer(s)/User(s) shall be liable for damages to Bank or for any losses suffered
by the Bank.
The Customer(s)/User(s) is solely responsible for protecting his/her OTP/debit card PIN/
password or mobile phone number and any other password and/or any other mode of verification
as prescribed/ issued by Bank for the use of the WhatsApp facility from time to time without any
liability of Bank in this regard. The Customer(s)/User(s) hereby agrees and accepts that he/she
shall at all times be solely responsible for the protection and safe keep of his/her SIM card,
Device and the applications installed thereon, specifically WhatsApp, login IDs,
Customer(s)/User(s) Information, security details and passwords as mentioned hereinabove and
hereby fully agrees that the Bank shall in no manner be liable for any direct or indirect or
consequential or other loss arising out of any action or omission because of compromise of the
same in any manner whatsoever.
The Customer(s)/User(s) agrees that the Bank assumes no liability whatsoever in case of any
event of such compromise of the Customer’s WhatsApp and the Bank shall not be held
responsible for any such event. Further, the Customer(s)/User(s) agrees and understands that
WhatsApp can also be logged on from more than one device at the same time, including by using
web log in and the Customer(s)/User(s) is aware of the risk in this regard while availing the
Services such as compromise of Customer(s)/User(s) Information, breach of security of the
Customer’s WhatsApp account from a device other than the Customer’s/User’s and the
Customer(s)/User(s) undertakes to be vigilant and careful and takes full responsibility for the
security of his/her WhatsApp account. The Bank shall not be responsible or liable to you or any
third party for the consequences arising out of or in connection with using of this Service.
Bank will not be liable for:
i. any unauthorized use of the customer's OTP/debit card PIN, password or mobile phone
number or for any fraudulent, duplicate or erroneous instructions given on the WhatsApp
channel;
ii. acting in good faith on any instructions received by Bank from or on behalf of the
Customer(s)/User(s) in relation to the WhatsApp facility;
iii. error, default, delay or inability of Bank to act on all or any of the instructions given by
the Customer(s)/User(s) due to any reason;
iv. loss of any information/instructions in transmission;
v. unauthorized access by any other person to any information /instructions given by the
Customer(s)/User(s) or breach of confidentiality.

Bank makes no representation or gives no warranty with respect to the quality of the service
provided by any cellular service provider or by WhatsApp or any other service provider
enabling Bank to deliver services through WhatsApp to the Customer(s)/User(s).

Bank may provide any other services as a part of the WhatsApp facility and Bank shall not
be liable for the oversight on part of the Customer(s)/User(s) to update himself /herself with
the addition of services which have been included in the WhatsApp facility.
Disclaimer:
1. 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 provided.
2. WhatsApp or any other service provider through which we are providing the WhatsApp
facility can/may review and monitor, store the contents (including text, images, videos or other
materials) shared/communicated through the WhatsApp platform or other service provider(s) and
may share/disclose the same with third parties.
3. Bank shall not be involved in or in any way liable to the Customer(s)/User(s) for any dispute
between the Customer(s)/User(s) and a cellular service provider or any third party service
provider or WhatsApp (whether appointed by Bank for such purpose or otherwise) while
availing these Services through the WhatsApp platform and the Customer agrees to directly take
up any claim/dispute with respect to the usage of WhatsApp platform directly with WhatsApp.