Citi Mobile Terms and Conditions

1. Definitions:

"Service Provider(s)" shall mean any person/organizations that provide mobile/data services that support voice/SMS/ data traffic.

"Citibank Account" shall mean any Indian Rupee account including savings/current account, Credit Card account, or any other account held in India, at locations approved by Citibank.

"Data Connection" shall mean any GPRS, 3G, wired/wireless internet connection, or any other network that permits the Customer to access the Facility from his Mobile Device.

"Citi Mobile Facility" or "Facility" shall mean the facility, available as a mobile application, mobile website, and on SMS and/or Unstructured Supplementary Service Data (USSD), which allows the Customer to carry out transactions from his Mobile Device.

"Client Application" shall be the software/website provided by and modified from time to time by Citibank using which the Customer will be able to access his/her Citibank Account related information through a Data Connection or SMS.

"Customer" means a person who is a Citibank Account holder and who has accepted these Terms and Conditions.

"Login Credentials" or "Credentials" shall mean the Customer account number/card number, nickname, User ID, IPIN/TPIN/QPIN/APIN that are to be used by the Customer to authenticate himself prior to accessing the Facility.

"Mobile Device" or "Device" shall mean a mobile phone, tablet, or any other remote access device that supports access to the Facility.

"Mobile Phone Number" means a distinctive Mobile Phone number registered on the records of Citibank by the Customer.

"Pull SMS" means Customers initiating a SMS from their registered mobile number to the number given by the Bank to receive relevant transaction/Account details on their registered mobile through SMS.

"SMS Inquiry Service" - The Bank also provides Pull SMS facility to Customers through Citi Mobile application which enables the Customer to send an SMS to access the service that he/she may desire. Customer has the option to use the said Pull SMS facility on Citi Mobile by opting a certain pre-specified keyword available on the application from his/her mobile number which is registered on the Bank records. Once such SMS request is received, the Customer will get an SMS response, detailing Account details/Transaction confirmation in accordance with the pre-specified keyword selected by the Customer in his/her request SMS. The Bank is providing this service in good faith and on a reasonable efforts basis only and should not be held liable if Customer tries such requests and still does not get the details/revert on his/her mobile number. Any SMS to these numbers may be charged by the mobile service provider of the Customer. Also, the Pull SMS numbers may be available only on specific mobile service provider.

"Specific Terms and Conditions" means the Specific Terms and Conditions, as may be either contained in the Citibank Account Terms and Conditions to be communicated to the Customer from time to time, applicable to the Facility.

"Terms and Conditions" means these Terms and Conditions including any amendments and any and all annexure, schedules, exhibits, appendices attached to it or incorporated by reference from time to time. These Terms and Conditions are supplemented by and are in addition to the Specific Terms and Conditions that shall be communicated to the Customer prior to availing the Facility. In case there is a conflict or repugnancy between these Terms and Conditions and any Specific Terms and Conditions, these Terms and Conditions would prevail for all intents and purposes.

Terms used hereunder but not defined herein shall have the meaning assigned to them under the Citibank Account Terms and Conditions and/or Internet Banking Terms and/or Citi Alerts Terms and Conditions and the Specific Terms and Conditions. In these Terms and Conditions all reference to Customer in masculine gender shall be deemed to include the feminine gender.

The Customer understands and acknowledges that this Facility is an extension of accessing the Internet Banking Facility on Citibank Online and the Citi Alert Facility and that all users of this Facility shall also be bound by the same Terms and Conditions that govern the Internet Banking Facility and Citi Alert Terms and Conditions. Customer understands that by registering for the Facility, the Customer is also registered for the use of the Immediate Mobile Payment Service (IMPS) and agrees to abide by the terms of usage thereto, as may be stipulated from time to time.

The Customer acknowledges and accepts that:

The Customer should be a sole account holder or a joint account holder with an 'Either or Survivor' entitlement to be able to use Facility functionality and successfully complete a transaction end-to-end. The Customer understands and accepts that any other condition that is a pre-requisite to access the Facility, including, but not limited to a Mobile Device, Data Connection, etc. will be the sole responsibility of the Customer.
This Facility shall be provided at the sole discretion of Citibank and may be discontinued by Citibank at any time, without prior notice to the Customer.
The Customer confirms and agrees that the Customer shall not hold the Bank responsible or liable for any failure to provide the Facility by reason of the services being temporarily unavailable or there being an overload on the server or for any other technical or other reason, whatsoever.
The Customer shall be able to access the Citibank Account using the Facility, only after due authentication of the Customer is done by means of verification of the applicable Login Credentials. The Customer is aware of the confidential nature of such Credentials and confirms that neither the Customer nor any authorized signatory/authorised representative of the Customer shall disclose the Credentials to any person. The Customer will promptly inform the Bank in case the Credentials become known to any unauthorized person. The Customer hereby instructs the Bank to comply with any/all instructions given through the use of the Facility in conjunction with the correct Credentials. The Bank shall be entitled to assume that any instruction given to the Bank using in accordance with the above are given/ authorized by the Customer and agrees that the Bank will not be liable for any fraudulent, duplicate or erroneous instructions that have been authenticated by providing the Credentials of the Customer. The Customer understands that the same Credentials will be used to authenticate access to both the Citibank Online and Mobile banking channels and password change feature will not be applicable on Mobile channel.
The Customer shall ensure that while giving any payment instructions on the Citibank website, (www.citibank.com/india or www.citibank.co.in or www.citinri.com or m.citibank.co.in) or Citi Mobile application or such other website/application as may be identified by Citibank from time to time),the Customer shall in particular ensure that each letter of the words forming part of the site-name/domain name is correctly typed in.
The Bank shall not be required to verify or judge the correctness of any instructions received by it, so long as it satisfies itself of the correctness of the Credentials used to access the Facility. The Customer acknowledges that any instruction received by the Bank shall be irrevocable. Should any instruction issued by the Customer, be capable of being executed by the Bank in more ways than one, the Bank may execute the said instruction in any one of the said ways at the Bank's sole discretion.
Citibank shall be entitled to rely upon all electronic communications, transactions or instructions to Citibank from the Customer in the manner prescribed by Citibank for the same from time to time and that Citibank shall not be obliged to verify or make further inquiry into the identity of the sender, or the message integrity, of any communications, instructions or transactions. The Customer shall in no circumstance dispute such reliance by Citibank.
The Customer shall be responsible for the Mobile Device and any usage of the same, whether by a third party or any other person and that the same shall be deemed to be a usage by the Customer. It shall be the sole responsibility of the Customer to inform Citibank about any change with regard to the Mobile Phone Number and that Citibank shall not be, in any way, liable or responsible for any loss, damages, costs, charges or expenses suffered/incurred by the Customer by reason of his failure to do so. All records of Citibank generated by the transactions arising out of use of the Facility, including the time of the transaction recorded, shall be conclusive proof of the genuineness and accuracy of the transactions. The authority to record the transaction details is hereby expressly granted by the Customer to Citibank.
Citibank shall use its best endeavors to carry-out transaction instructions received by it from the Customer within such time as may be specified by Citibank, however, Citibank does not guarantee the fulfillment of transaction instructions or availability of the Facility within such specified time frames.
Transaction requests on the Facility are instantaneous in nature and effected immediately. Hence these requests may be irrevocable and Citibank will be unable to undo or reverse any such transaction request after it has been issued. Accordingly, Citibank shall not be liable for any loss, damage whether direct or indirect, costs, charges or expenses incurred by the Customer due to a delay/inability in carrying out or reversing the transactions and/or providing this Facility.
The Customer hereby understands and acknowledges that certain category of transactions carried out through Facility can only be done to the linked accounts or the accounts pre-registered on his payee list on Citibank Online and Citibank shall not be liable in any manner for any delay or failure in transaction due to non compliance of such pre-requisites by the Customer. The Customer shall confirm compliance of all such pre-requisites for transaction. The Customer also understands and acknowledges that transaction instructions placed through SMS/USSD are not encrypted and are not as secure as mobile banking access that is secured with a PIN over an encrypted connection. The Customer therefore understands the risks associated with such transactions and therefore accepts and undertakes that it is the Customer's responsibility to ensure that the security of the Customer's Mobile Device and details of beneficiaries registered by the Customer are not compromised. Customer undertakes not to hold Citibank liable or responsible for any loss or damage that may be suffered by a Customer due to transactions through the SMS/USSD channel and shall keep Citibank indemnified against all such losses or damages.
The Customer shall be liable to pay the applicable SMS charges, data charges and any other charges as may be decided by the Service Providers unless otherwise declared by Citibank. The fees for the Facility/any of the services offered with the Facility shall be as determined by the Bank from time to time. The Bank may, at its sole discretion, waive the fees for a limited duration. The Bank may, at its sole discretion, revise or waive such fees, without prior notice to the Customer.
Citibank shall have the discretion not to give effect to any transaction instructions given by the Customer by using the Facility in the event Citibank has reason to believe that the transaction instructions are not genuine or otherwise improper or unclear or raise a doubt or in case any transaction instructions cannot be put into effect for any reason whatsoever. The Customer accepts and acknowledges that the decision of Citibank in this regard shall be final and binding on the Customer.
Where Citibank considers the instructions to be incorrect, inconsistent or contradictory, Citibank may seek clarification from the Customer before acting on any such instruction of the Customer or Citibank may act upon any such instruction in a manner as it may deem fit. Citibank shall have the right to suspend the services under the Facility if Citibank has reason to believe that the Customer's instructions may lead to direct or indirect loss or may require an indemnity from the Customer before continuing to operate the Facility.
Citibank shall not be obliged to carry out any payment or transfer instructions unless and until the Customer's Account(s) with Citibank and/or overdraft has sufficient funds or credit to effect the relevant payment or transfer. Funds for payment or transfer instructions will be withdrawn from the Customer's Account(s) by the next Business Day or such other day as Citibank may at its absolute discretion determine.
Citibank cannot guarantee the time at which the receiving banks or billing organisations will credit the account(s) of Customer's payees. To avoid incurring any finance charge or other charge, the Customer must initiate a payment or transfer instruction sufficiently in advance of the due date of the payment.
Citibank shall not be responsible for any charges imposed or any other action taken by a payee including but not limited to any of the following situations:

Customer does not have sufficient funds in his/her Account(s) to make a bill payment or transfer;
an order of Court or authority directs Citibank to prohibit withdrawals from his/her Account(s);
Customer's Account(s) is/are closed or any funds therein has/have been put on hold;
The transfer or bill payment will cause Customer's Account(s) balance to go over the credit limit for any credit arrangement set up to cover overdrafts;
Customer has not provided the complete and correct payment information, including but not limited to name, address, account(s) number, cardholder's number and payment amounts for the payee on a bill payment;
Customer did not correctly use Citibank Online; or
Circumstances beyond Citibank's reasonable control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the bill payment or transfer, despite reasonable precautions taken by the bank.

The Customer understands and acknowledges that he shall be able to carry out transactions using the Facility subject to transaction limits restricting the amount and/or the frequency of transactions that Citibank may choose to impose from time to time.
Citibank's liability arising for any reasons whatsoever shall be limited to and shall not under any circumstances exceed the sum equivalent to its charges for the payments and transfers services provided under the Facility.
Citibank shall be entitled but not obliged to verify any instructions given by the Customer via Citibank Online by calling the Customer online or via telephone or any other means.
Citibank shall not be liable in contract, tort or otherwise for any direct, indirect or consequential loss or damage sustained by the Customer by any direct or indirect use of or reliance on the electronic communication, instructions or transactions whether with or without the utilization of any security measures, including but not limited to any loss or damage resulting as a consequence of any defects, delays, duplications, interruptions, errors, inaccuracies or failures in the various communications and that Citibank specifically excludes the same to the fullest extent permitted by law even if Citibank shall have been advised in advance of the possibility of such damages.
Citibank reserves the right, but shall not be obliged, to make changes, enhancements, and/or modifications to the Facility from time to time.
The Customer shall not interfere with, alter, amend, tamper with or misuse in any manner whatsoever the Facility and the opinion of the Bank shall be conclusive in this respect.
The Customer shall not be discharged by transmission of any notice, instruction or request which, as per the terms hereof or any other specific terms and conditions, requires the Customer to send the same in writing. The Customer acknowledges and confirms that all records of instructions received from the Customer maintained by the Bank, in electronic or documentary form, and such other details (including but not limited to payments made or received) shall, as against the Customer, be deemed to be conclusive.
The Customer understands that the Facility is to be accessed on a secure Device, and that any compromise of the Customer Account resulting from an attempt to access it from an unsecure/compromised Device, will be the sole responsibility of the Customer. For more information on best security practices, please visit www.citibank.com/india.
The Customers acknowledges and understands that appropriate security measures and due diligence shall be ensured by the Customer to download the Citi Mobile application published by Citibank from any third party application stores which have been approved by Citibank (e.g. App Store^SM, Android^TM Market and Nokia Ovi Store). The Customer also understands and acknowledges that Citibank shall not be responsible for any consequences arising out of download of Citi Mobile application by the Customer from any third party application store which is not published by Citibank.
The Customer understands and acknowledges that any access to Citibank Online/Citi Mobile shall be effected through the internet service provider, information service provider, network provider, content provider, server or such other equivalent system in the country from where such service shall be accessed by the Customer.

These Terms and Conditions shall be in addition to and not in derogation of the Specific Terms and Conditions and the Terms and Conditions applicable to other services offered by Citibank.

2. Customer Undertaking

In consideration of Citibank agreeing to provide the Facility to the Customer, the Customer hereby irrevocably agrees, to compensate and keep Citibank saved, harmless and protected now and at all times hereafter, from all losses, damages, costs, legal fees, charges and expenses and consequences whatsoever, suffered or incurred by Citibank on account of any claims, actions, suits or otherwise instituted by the Customer, or any third party whatsoever, arising out of or in connection with the use of the Facility and any and all transactions initiated by the use of the Facility, whether with or without the knowledge of the Customer, or whether the same have been initiated bona fide or otherwise which transactions, the Customer hereby acknowledges, Citibank has processed on the transaction instructions and authority of the Customer in accordance with these Terms and Conditions and other applicable Specific Terms and Conditions, as the case may be. The Customer further agrees and confirms that this undertaking shall remain valid and subsisting and binding upon the Customer notwithstanding partial withdrawal of the Facility.

3. Confidentiality and Disclosure

Customer agrees that Citibank may disclose any information whatsoever regarding him/her and/or his/her Account(s) to:

any of Citibank's branches (wheresoever situated), agents, servants, correspondents, independent contractors and/or associates;
any bank or financial institution;
any person or organization providing any service to its customers, whether within or outside India for the purpose of providing the said service including but not limited to investigating discrepancies, errors or claims;
the police, regulators of competent jurisdiction or any public officer conducting investigations in connection with any offence or alleged offence;
banks, financial institutions or credit reference agents for the purpose of assessing the customer's creditworthiness; and
any person (whether or not related to Citibank) for purposes of that person or entity marketing any product or service to the customer, whether by electronic means or otherwise.

To the extent not prohibited by applicable law, Citibank shall be entitled to transfer any information relating to the Customer and / or any other information given by the Customer for utilization of the Facility to and between its branches, subsidiaries, representative offices, affiliates, representatives, auditors and third parties selected by Citibank, wherever situated, for confidential use in and in connection with the Facility. Further, Citibank shall be entitled at any time to disclose any and all information concerning the Customer within the knowledge and possession of Citibank to any other bank/association/financial institution or any other body. This clause will survive the termination/usage of the Facility.

4. Termination

The Customer acknowledges and understands that if the IPIN remains unused for a period of six (6) months from the date it is issued by Citibank to the Customer, then the IPIN shall become invalid and the Customer shall not be able to avail the Facility, until the Customer applies for a new IPIN. The closure of the Accounts of the Customer shall automatically terminate the Facility. Citibank may suspend or terminate the Facility without prior notice to the Customer, if the Customer commits a breach of any of these Terms and Conditions and/or the Specific Terms and Conditions or any specific regulations laid out by RBI from time to time with regard to Mobile banking or Citibank receives information of the death, bankruptcy or lack of legal capacity of the Customer.
Except as otherwise provided by the applicable law or regulation, Citibank reserves the right to terminate the Facility and / or expand, reduce or suspend the transactions allowed using this Facility, change the process and transaction limits associated with this Facility based on security issues, at any time, without any prior notice to the Customer.
Citibank also reserves the right at any time to add / alter / modify / change or vary all of these Terms and Conditions. Such modified Terms and Conditions shall be available at Citibank website. The Customer is presumed to have read, understood and accepted the same.

5. Disclaimers:

Citibank shall not be liable for:

Any unauthorized use of the Facility by the Customer or any fraudulent, duplicate or erroneous transaction instructions given by use of the Customer's Credentials.
Acting in good faith on any transaction instructions received by Citibank;
Error, delay or inability of Citibank to act on all or any of the instructions;
Loss of any transaction instructions/messages in transmission;
Unauthorized access by any other person to any transaction instructions given by the Customer or breach of confidentiality;
In the event that Citibank is rendered wholly or partly unable to observe or perform under these Terms by reason of causes beyond its control including (but not limited to) equipment, system or transmission link malfunction, failure or sabotage, fire, flood, explosion, acts of elements, acts of God, accidents, epidemics, strikes, lockouts, power blackouts or failure, labour disputes, acts, demands or requirements of any Government or regulator of competent jurisdiction, or by any other causes which it cannot reasonably be expected to avoid, the performance of Citibank's obligations as they are affected by such causes shall be excused for the continuance of such causes. Citibank shall not be liable for any delay, loss, damage or inconvenience whatsoever caused by or arising from or in connection with any one or more of the above-mentioned causes.
Citibank shall not be liable for any loss or damage that the Customer may incur due to negligence, act or omission of any third party.
The Customer agrees that Citibank has granted the customer only a non-exclusive license to use the software (if any) relating to and in connection with Citibank Online or the Facility. This allows the Customer to use such software only for its intended purposes as provided hereunder. The Customer shall not distribute, disassemble, decompile, copy, modify or reverse engineer any of such software or allow anyone else to do so. Citibank Online gives the customer access to services and information from the bank, any branch or subsidiaries of Citibank, N.A., which may be presented with a distinctive "look and feel". These services, information and "look and feel" are Citibank's proprietary property. The Customer may use such services only for his/her personal, non-business use and may not reproduce, sell or distribute all or any portion of the information provided to him/her by such services.

The Customer shall be solely responsible for the selection of the Mobile Device/ Service Provider(s) and for all issues/disputes between the Customer and the Service Provider(s) and/or the manufacturer of the Mobile Device.

6. Governing law and jurisdiction

The construction, validity and performance of these Terms and Conditions shall be governed in all respects by the laws of India. The parties hereby submit to the exclusive jurisdiction of the competent Courts at Mumbai, India which courts shall have jurisdiction in the matter to the exclusion of any other courts, irrespective of whether such other courts have similar jurisdiction in the matter.

In the event of the Customer accessing the Facility from any other country than India as stipulated under clause 2.27 herein , such access to the extent stipulated under clause 2.27 herein shall also be subject to and governed by the relevant laws and regulations of the country from where such service is being accessed by the Customer and any terms and conditions prescribed by such internet service provider, information service provider, network provider, content provider, server or such other equivalent.

7. Grievance Redressal

The Customer is advised to visit www.citibank.com/india for details on how to address a grievance that he may have concerning Citibank's offerings or services.

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