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Terms and Conditions for eRemit Facility

   
Important - Please read these terms and conditions carefully. By using the eRemit Services, you agree to be bound by the following terms and conditions along with the changes made thereto from time to time. If you do not accept any of these terms or conditions, you must immediately discontinue your access to this website and/or use of the Bank’s eRemit Facility Services.
   

1.    Definitions

   
Affiliates: means other third parties who displays content or offers any services on the Website.
   
Applicant: means any person who has applied for an e-Remit Facility
   
  Bank: means State Bank of India, Singapore, and where the context requires, includes its correspondents and agents
   
  Customer: means a successful Applicant and registered user of the e-Remit Facility
   
  Electronic Request: Means any Customer’s request, direction or instruction sent to the Bank via the e-Remit Facility
   
  Customer: means a successful Applicant and registered user of the e-Remit Facility
   
  e-Remit: a secure electronic money transfer service offered by the Bank through its online portal including /Telegraphic Transfers by online debit to their account with an eNETS Bank
   
  e-Remit Transaction: means any transaction conducted via the e-Remit Facility
   
  eNETS: means eNETS Pte Ltd
   
  eNETS Bank: members of the eNETS payment system namely DBS, POSB, UOB,Citibank and/or such other bank as may be notified via the Website
   
  Facility: means any present and future product, service or facility displayed or offered on  or through the Website
   
  NETS: means Network For Electronic Transfers (Singapore) Pte Ltd
   
  Notice: means notices relating to various matters issued or to be issued by the Bank to the Customer from time to time e.g. notices of market information, changes in scale of charges, etc.
   
  Password: Means any password or other form of electronic identification used in conjunction with the User ID to access the e-Remit Facility
   
  User ID: Means the user identification given to the Customer and registered by the website which along with the Password will enable the Customer to access and use the e-
Remit Facility
   
  Website: means the Website presently maintained by the Bank at http://www.sbising.com which hosts the e-Remit Facility and includes the pages of the Website and any applets, software and content contained in the Website.
   

2.    Application for e-Remit accountor e-Remit accountit account

   
  2.1 The Bank will provide e-Remit to selected Applicants at its discretion. The submission of application form, whether on-line or otherwise, does not in any way imply the acceptance of such application or entitle the Applicant to the e-Remit Facility.
   
  2.2 The e-Remit Facility is provided only as a convenience to the Customer and the Customer uses the e-Remit Facility at his own risk.
   

3.    Eligibility

   
  3.1 Any individual who are Citizens, Permanent Residents, Employment Pass Holders and Work Permit Holders of Singapore are eligible to apply.
   

4.    Software

   
  4.1 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, and operating systems of the Customer.
   
  4.2 If the Customer access the e-Remit service from a country other than Singapore, the Customer is responsible for complying with the local laws of that country, including (but not limited to) obtaining any necessary license.
   
  4.3 The Customer has to take appropriate measures at his cost to protect his systems from the likes of hackers, virus attacks, etc. Measures include installation of effective anti-virus scanners, firewalls, etc.
   

5.    Fees and Charges

   
  5.1 The fees and charges payable to the Bank are stated in the Schedule of Fees and Charges found at the Website. The Bank is fully entitled to and may revise the Scheduleof Charges and Fees from time to time without prior notice to the Customer; without prejudice to the aforesaid, the Bank will endeavour to provide notice of the said revision of Charges and Fees via the Website where it is practicable to do so. By proceeding with any e-Remit Transaction after the Effective Date, the Customer shall be deemed to have agreed with the said new fees or charges.”
   
  5.2 Subject to Clause 5.1 and the terms and conditions herein, the Bank shall be entitled and the Customer authorises the Bank to debit directly without prior notice all fees and charges due from the Customer to the Bank herein from the Customer’s designated account.
   
  5.3 The Customer acknowledges and agrees that there may be potential or indicative charge which may be imposed by overseas banks or other third parties which may reduce the amount ultimately received by the Customer or the Customer’s beneficiary.
   

6.     Access to e-Remit and Application of Terms and Conditions

   
  6.1 Upon successful registration, the Customer will be provided with a temporary User ID and Password which he will be required to change on first login. The Customer shall be solely responsible for the secrecy of the Password which will never be requested for by the Bank except in the course of the Customer using the e-Remit Facility.
   
  6.2 In addition to the User ID and Password mentioned above, the Bank may at its discretion and advise or require the Customer to adopt such other means of authentication including but not limited to digital certification and/or smart cards.
   
  6.3 Upon applying for the e-Remit Facility, and in any event upon successful registration, and the Customer agrees that ensuing Electronic Requests and/or e-Remit Transactions shall be subject to these Terms and Conditions.
   

7.     E-Remit Facility

   
  7.1 The Bank shall endeavor to provide to the Customer through e-Remit Facility such and services, products and facilities as the Bank may decide from time to time.
   
  7.2 The Bank will take reasonable care to ensure the security of and prevent unauthorized access to the e-Remit service using technology reasonably available to the Bank.
   
  7.3 The Customer shall not himself use or permit others to use e-Remit Facility or any related service for any illegal, improper or unauthorized purpose.
   
  7.4 The Customer acknowledges that the e-Remit Facility operates partly on services provided by other parties including the eNETS Banks, eNETS and NETS.
   
  7.5 The Bank shall be at liberty to effect an e-Remit Transaction through any correspondent or other agency.
   
  7.6 Unless specified otherwise all charges incurred outside Singapore are for the account of the addressee or beneficiary.
   
  7.7 The Bank reserves the right to effect any e-Remit Transaction in a different place from that specified by the Customer if operational circumstances so require.
   
  7.8 Where the Bank is unable to provide a firm exchange rate quotation, the Bank shall effect the e-Remit Transaction on the basis of a provisional exchange rate which shall be subject to adjustment when the actual exchange rate is ascertained. Any difference between the provisional rate and the actual rate shall be debited or credited as the case may be to the Customer’s account.
   
  7.9 The Bank reserves the right, which right shall be used reasonably, to refuse any Electronic Request without assigning any reason.
   

8.     Termination, Suspension and Modification

   
  8.1 The Bank reserves the right to terminate, suspend, discontinue, add on, subtract or modify all orany type of services, products or facilities which a Customer may be offered through the e-Remit Facility at its sole discretion without prior notice. In the event of such termination, suspension or modification the Bank shall as soon as is practicable put up a notice pertaining to the same in the Website.
   
  8.2 The Bank may suspend or terminate the e-Remit Facility without prior notice if the Customer has breached any of the Terms and Conditions of this e-Remit Facility or other agreements with the Bank, or if the Bank learns of the death, bankruptcy or lack of legal capacity of the Customer.
   

9.    Procedures

   
  9.1 Bank has created specific procedures/options for processing Electronic Requests and e-Remit Transactions over e-Remit Facility. If the Customer gives instructions through other mechanisms (such as mail within e-Remit, normal e-mail etc.), Bank will not be obliged to process these transactions.
   

10.     Transaction Processing

   
  10.1 Valid instructions received by the Bank will in general be processed on first-in-first-out basis. Where Electronic Requests are received by the Bank on holidays/public holidays, they shall be affected on the next working day on the terms and conditions prevailing on that day
   
  10.2 If the addressee is the Bank, the time of receipt of the Electronic Request is the time when the addressee Bank branch retrieves the said Electronic Request and not the time when the Electronic Request enters the designated computer resource.
   
  10.3 Unless the Bank sends out a confirmation of receipt, an Electronic Request sent by the Customer is not deemed to have been received by the Bank and may not be processed,and the Bank is not liable for any claim, loss, damage or expense which may arise from instructions that were not so received.
   

11.    Procedures

   
  11.1 Notwithstanding any provision in this Terms and Conditions to the contrary, the Bank shall be entitled but not obliged to withhold payment of the whole or in part of any sum in respect of any e- Remit Transaction, and if any remittance has been made to a Customer or beneficiary, to an immediate refund from that Customer or beneficiary of the amount of the payment in any of the following circumstances:-
   
  a. The Customer has failed to observe, comply with or discharge any of the provisions of these Terms and Conditions;
   
  b. The Customer alleges in writing that the Electronic Request was not issued or submitted by him;
   
  c. The Customer disputes the Electronic Request;
   
  d. Any particulars of the Electronic Request is incorrect or incomplete;
   
  e. In the event of multiple or excess payments; or
   
  f. The Bank is of the opinion that the Customer had not effected the Electronic Request.
   
  11.2 For purposes of this clause 11, the Bank shall be authorised by the Customer, and the Bank shall be entitled but not obliged, to debit directly without prior notice any amount which shall be refunded by the Customer, addressee or beneficiary under clause 11.1 from any account of the Customer, addressee or beneficiary held with the Bank.
   

12.     Authority to the Bank and Irrevocability of Instructions

   
  12.1 e-Remit Transactions are permitted only after authentication of the USER with the use of his User- ID and Password. The Bank shall have no obligation to verify the authenticity of any transaction received from the Customer through e-Remit or purporting to have been sent by the Customer via e -Remit other than by means of verification of the User-ID and the Password.The display or printed output that is produced by the Customer at the time of operation of e-Remit is a record of the operation of the e-Remit session and shall not be construed as the Bank's record of the transactions.
   
  12.2 Save for any manifest error, and unless any discrepancy or dispute is reported to the Bank in writing within one (1) week from the date of the relevant Electronic Request or e- Remit Transaction by the Customer, the Bank's own record of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.
   
  12.3 All instructions and transaction requests received by the Bank through the e-Remit service will be irrevocable and the Bank may (though not obliged to) proceed with the instructions or transaction requests without further confirmation from the Customer.
   

13.     Confidentiality, Protection and Disclosure of Information

   
  13.1 The Bank shall endeavor to take reasonable measures, which may include encryption, to ensure that the Customer's personal information is not disclosed to any person except to other persons to whom theinformation may be provided as per the Bank's Privacy Policy and other persons specified by the Customer. However, the Internet is an open system and the Bank cannot, and does not, guarantee that the personal information, which the Customer furnishes, will not be intercepted or accessed by others and decrypted. The Bank shall not be liable nor responsible for any confidential or other information provided by or pertaining to the Customer (including bank account numbers, passwords, personal identification numbers, IDs, transaction details, etc.) that was intercepted and subsequently used by an unintended recipient beyond its control.
   
  13.2 The Customer hereby authorises and gives consent to the Bank to disclose to any eNETS Bank, a beneficiary named by the Customer and/or any party named below (as the case may be) whatever information about the Customer as is reasonable:
   
  a. to facilitate any transaction under the e-Remit Facility;
   
  b. to verify and settle accounts of the Customer;
   
  c. for purposes of operation of the e-Remit Facility;
   
  d. for purposes of enabling the Bank to carry out its obligations and duties under these Terms and Conditions;  
   
  e. to any party that the Bank shall deem appropriate for the purpose of any investigation or query relating to any e-Remit Transaction;
   
  f. to any customer credit bureau recognised by the Monetary Authority of Singapore and gazetted under the Banking Act (Cap. 19) of Singapore;
   
  g. to comply with the law, regulations of any regulatory authority or Court Order; or
   
  h. for any other relevant purpose that the Bank deems necessary from time to time.
   
  13.3 Without prejudice to the generality of clause 13.2, in accordance with the Bank’s policies in relation to anti-money laundering and counter terrorism financing regulation, the Customer’s name, account number and address (as held in the Bank’s records) will be included in the e-Remit Transaction. By initiating any e-Remit Transaction, the Customer consents to the inclusion in messages under the e-Remit Transaction of the aforesaid details and/or any other information (including but not limited to information relating to the payee) required pursuant to any relevant ant-money laundering and counter-terrorism financing operation regulation in Singapore or the country through which payment is to be made.
   
  13.4 The Customer agrees that the Bank may hold and process the the Customer’s personal information on computer or otherwise in connection with e-Remit Facility as well as for statistical analysis and credit scoring. The Customer also agrees that the 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, the following:
   
  a. For participation in any telecommunication or electronic clearing network;
   
  b. In compliance with a legal directive;
   
  c. For credit rating by recognized credit-scoring agencies; or
   
  d. For fraud prevention purposes.
   
  13.5 The Bank may disclose details of the account to Government of Singapore or other policies Government or Public Authorities or Inland Revenue, Commercial Affairs Department etc., when required by law.
   
  13.6 The Customer acknowledges that there may be inadvertent disclosure of information about the Customer or any e-Remit Transaction by the Bank, its affiliates and/or any of its officials in the course of operating the e-Remit Facility, whether to eNETS Banks and third parties in Singapore or otherwise, and the Customer consents to such inadvertent disclosure provided that such inadvertent disclosure shall not be due to the negligence, wilful default or fraud on the part of the Bank.
   
  13.7 The Customer shall keep confidential and shall not, except under legal compulsion or as providedunder these Terms and Conditions, disclose to any third party, or use for the benefit of any third party, any information or record whatsoever relating to the e-Remit Facility, Electronic Request, e- Remit Transaction and these Terms and Conditions acquired during the period of the Customer having access to the e-Remit Facility.
   
  13.8 The provisions of this clause 13 shall continue and survive during the suspension and after the termination of the e-Remit Facility.
   

14.     Exclusion and Limitation of Liability

   
  14.1 The Customer shall accepThe Customer shall accept full responsibility, and the Bank shall not be liable in any way,for any claims, liabilities, expenses, costs, loss or damage of whatsoever nature brought against, suffered or incurred by the Customer or any other person arising out of or in connection with the use of the e-Remit Facility including but not limited to delay or loss arising from exchange or currency issues, or any breakdown, disruption, defect, malfunction, disconnection of any line or failure of any terminal, telephone or other communication system whether belonging to the Bank, eNETS Banks, eNETS, NETS, the Customer, any internet service provider, any telecommunication service provider or otherwise howsoever caused.
   
  14.2 The Bank shall indemnify the Customer against direct losses suffered by the Customer as a result of any fraud, dishonesty, negligence or wilful default relating to any transaction by any servant , agent, employee or contractor of the Bank provided that such indemnity shall not exceed the amount of the Bank’s fee and/or charge in respect of that transaction.
   
  14.3 The Bank shall be entitled to engage any agents or independent contractors as it deemsfit to procure the carrying out of any of the matters contemplated by these Terms and Conditions, and the Bank shall not be liable to the Customer for any act, omission,neglect or wilful default on the part of such agent or independent contractor, which is not due to any negligence, wilful default or fraud on the part of the Bank.
   

15.    Indemnity

   
  15.1 The Customer shall indemnify and keep the Bank indemnified in full at all times against any and all claims, proceedings, liabilities, expenses, costs (including legal costs), losses or damages of whatsoever nature arising out of or in connection with the use of the e-Remit Facility, Electronic Request or e-Remit Transaction, through the use of his/her USER ID and Password, regardless of whether such transactions were in fact entered into, or authorized, by him/her, including without prejudice to the generality of the foregoing:
   
  a. Any breach of these Terms and Conditions;
   
  b. Any statement, act omission, fraud, negligence or default whatsoever by the Customer or any person duly authorised by him;
   
  c. Failure to promptly report any unauthorized access and/or fraudulent transactions on your account;
   
  d. Failure to report loss or stolen User-ID and/or Password;
   
  e. Negligent handling, disclosure and/or sharing of User-ID and/or Password with third parties;
   
  f. Input errors in online banking transactions;
   
  g. Any enforcement or attempted enforcement by the Bank, eNETS Banks, eNETS or NETS of its rights or remedies against the Customer or any person duly authorised by him;
   
  h. The Customer’s negligence or breach or non-observance of these Terms and Conditions that enables another person, entity or computer programmes to access the Customer’s e-Remit account; or
   
  i. Any law, regulation, order or directive, or any change thereof, whether issued by any government, authority, eNETS or NETS which may have an effect on these Terms and Conditions.
   
  15.2 The Bank shall be free on behalf of the Customer to remit or procure the remittance of funds by mail, telex, cable SWIFT or other means as it deems fit. The Bank shall not be liable for any loss, liability, claim delay, error or omission which may occur in the cable, wire telex, SWIFT or mail transmission of any e-Remit Transaction. The Bank may send messages in explicit language, code or cipher. The Customer agrees to fully indemnify the Bank against any loss, liability, claim, delay, error or omission suffered or incurred by the Bank arising from the completion or inability of the Bank in effecting the e-Remit Transaction for whatever reason not arising from negligence, wilful default or fraud on the part of the Bank.
   

16.     Disputes on Transactions

   
  16.1 The Bank shall not be liable for any claim or dispute arising between the Customer and any other party (including Affiliates) to an e-Remit Transaction.
   
  16.2 In the event of a dispute between the Customer and such other party as mentioned in clause 16.1, the Bank reserves the absolute right to debit the Customer’s account held or maintained with the Bank, and to refund to any relevant third party all or any monies paid in relation to the disputed transaction.
   

17.    Amendments and Changes to Terms and Conditions

   
  17.1 The Bank may from time to time, in its absolute discretion, amend, add to, delete or vary any one or more of the terms of these Terms and Conditions without prior notice; without prejudice to the aforesaid, the Bank will endeavour to provide notice of such amendment, addition, deletion or variation where it is practicable to do so via the Website. Such amendment, addition, deletion or variation shall take effect on the date specified in such notice unless the e-Remit Facility is terminated prior to such date.
   
  17.2 Notwithstanding Clause 17.1, the Bank may from time to time by notice to the Customer amend the terms of these Terms and Conditions to the extent that such amendment is necessitated or required as a consequence of any direction, requirement or stipulation of or by any laws or regulations or by any of the eNETS banks, eNETS or NETS, and such amendment shall take effect on the date specified in such notice.
   
  17.3 It is the Customer’s responsibility to ensure that periodically and/or on every occasion that he/she accesses or uses the Website or any Facility, or other product or service displayed or offered on the Website that he/she returns to this page and review the Terms and Conditions for any alterations, additions or deletions. By continuing to access or use the Website or any of the facilities, products or services offered on the Website, the Customer will be deemed to have agreed to accept and be bound by such altered, added to or deleted Terms and Conditions. If the Customer does not agree to the alterations, additions or deletions, he/she should discontinue accessing or using the Website or availing of any of the facilities, products or services on the Website (other than those which have already been availed of by him/her prior to such alterations, additions or deletions). If any of the Terms and Conditions is not acceptable to the Customer or the customer disagrees with any material on the Website, the Customer’s sole and exclusive remedy is to discontinue using the Website.
   

18.    Provision and Accuracy of Information

   
  18.1 The Customer agrees:
   
  a. to provide true, accurate, current and complete information about himself/herself as required in the application or Registration Form, and
   
  b. To from time to time maintain and update this information to keep it true, accurate, current and complete at all times.
   
  18.2 The Customer is solely responsible for the correctness of information supplied to the Bank through the use of the e-Remit Facility. The Bank accepts no liability for the consequences arising out of erroneous information supplied by the Customer.
   

19.    Hyperlinks

   
  19.1 For the Customer's convenience, the e-Remit website may include hyperlinks to websites on the Internet that are owned or operated by third parties. Such linked websites are not under the control of the Bank and the Bank cannot accept responsibility for the contents of or the consequences of accessing any linked website or any link contained in a linked website. Furthermore, the hyperlinks provided in this website shall not be considered or construed as an endorsement or verification of such linked websites or the contents therein by the Bank. The Customer agrees that his/her access to and/or use of such linked websites is entirely at his/her own risk and subject to the terms and conditions of access and/or use contained therein.
   

20.    Governing Law

   
  20.1 These Terms and Conditions and/or the operations in the accounts of the Customer maintained by the Bank and/or the use of the services provided through e-Remit Facility shall be governed by the laws of the Republic of Singapore only. The Customer and the Bank agree to submit to the exclusive jurisdiction of the courts in Singapore under whose jurisdiction the Bank functions, concerning any claims or matters arising under these Terms and Conditions.
   
  20.2 The Bank accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than the Republic of Singapore. The mere fact that the e-R Facility can be accessed through internet by a Customer in a country other than Singapore shall not be interpreted to imply that the laws of the said country govern the Bank and / or these Terms and Conditions and / or the operations in the e-Remit accounts of the Customer and / or the use of e-Remit Facility.
   

21.    Disclaimer of Warranties

   
  21.1 The usage of this Website by the Customer is at Customer's sole risk and responsibility.The information provided on this Website is provided on an "as is" and "as available" basis.
   
  21.2 Except for those imposed by law, the Bank hereby expressly and completely disclaim all warranties of any kind whatsoever including but not limited to the implied warranties of accuracy, completeness, and merchantability for a particular purpose and non-infringement of intellectual policy.
   
  21.3 The Bank does not warrant that the functions contained in the materials will be uninterrupted or error free, that defects will be corrected, or that the Website or the server that makes it available are free of viruses or other harmful components.
   
  21.4 Unless otherwise stated, no advice or information obtained by the Customer from the Website shall be deemed to create any warranty either expressly or impliedly whatsoever.
   
  21.5 The Bank shall not be liable for any failure of performance, system, server or connection failure, error, omission, interruption, breach of security, computer virus, malicious code, corruption, delay in operation or transmission, transmission error or unavailability of access in connection with accessing the Website and/or using the online services that are beyond its control.
   
  21.6 The Bank shall not be liable to the Customer or any other party for any damages, losses, expenses or costs whatsoever (including without limitation, any direct, indirect, special,incidental or consequential damages, loss of profits or loss of opportunity) arising in connection with the use of the Website, or reliance on any information, materials or online services provided at the Website unless the same is caused by the negligence of the Bank’s employees and/or agents and not as a result of the Customer’s acts or omissions (directly or indirectly).
   
  21.7 While the Bank shall endeavour that the Customer's instructions and transactions pursuant to e-Remit Facility provided by the Bank are communicated, carried out and/or performed promptly, the Bank does not guarantee that any instructions will definitely be communicated or carried out or that any transactions will definitely be performed; and the Bank shall not be responsible for any delay in communicating, carrying out or performance of any instructions or transactions due to any reason whatsoever, including by reason of failure of operational systems for reasons including but not limited to virus attacks, natural calamity, natural disasters, legal restraints, faults in the telecommunication network or network failure, software or hardware error, or any other reason beyond the control of the Bank.
   
  21.8 The Bank shall not be responsible for any inability to access the Website or any use or misuse of the Website.
   
  21.9 The Bank does not warrant the complete accuracy of all the information and content available, whether provided by it or any other third parties, on the Website. Please inform the Bank of any inaccuracies or errors so that it may be corrected.
   

22.    Taxes, Depreciation, Force Majeur etc

   
  22.1 The Bank shall not be liable for any dimunition in the value of funds or any loss arising out of or in connection with taxes or depreciation or any restrictions on its conversion, transfer, exercise of any governmental powers, act of God, war, strike, riot, sabotage, or any other causes beyond the Bank’s control or any event which makes it impossible or impracticable for the Bank to perform its obligations herein.
   

23.    Rights of Third Parties

   
  23.1 The Contracts (Rights of Third Parties) Act (Cap. 53B) of Singapore shall not under any circumstances apply to these Terms and Conditions and any person who is not a party to these Terms and Conditions (whether or not such person shall be named, referred to, or otherwise identified, or form part of a class of persons so named, referred to or identified in these Terms and Conditions) shall have no right under the said Contracts (rights of Third Parties) Act (Cap. 53B) to enforce these Terms and Conditions.
   

24.    Notices

   
  24.1 The Bank may publish notices of general nature, which are applicable to all Customerson the Web site. Such notices will have the same effect as a notice served individually on each Customer.
   

25.    Waiver

   
  25.1 The failure on the part of the Bank to exercise any rights as herein under in this premises or otherwise, lawfully, contractually or legally, available to it, or to exercise any option, right or remedy herein contained or otherwise, shall not be construed as a waiver or as a relinquishment of such term, provision, option, right or remedy, but the same shall continue and remain in full force and effect.
   
  25.2 Further no single or partial exercise of any right, power, or remedy by the Bank shall limit/exclude any other or further exercise thereof or the exercise of any other right, power or remedy.
   

26.    General

   
  26.1 The Bank may sub-contract and employ agents to carry out any of its obligations under this contract. The Bank may transfer or assign its rights and obligations under this contract to any other company.
   
  26.2 These Terms & Conditions, including the limitation of warranties, should be read in conjunction with any other terms and conditions that may govern the Customer’s account or agreement with the Bank.
   
  26.3 The Customers are encouraged to verify/ make their own personal inquiries before taking any action or making any final decision.
   

27.    Intellectual Property and Usage of Website

   
  27.1 The Customer acknowledges that the software underlying the e-Remit service as well as other internet related software which are required for accessing e-Remit is the legal property of the Bank, service provider or Affiliates respectively. The permission given by the Bank to access e-Remit will not convey any proprietary or ownership rights in the above software to the Customer / user.
   
  27.2 The Customer shall:
   
  27.2.1. not use the Website for any purpose that is unlawful in any jurisdiction or not permitted by the Terms and Conditions;
   
  27.2.2. not modify, upload, copy, distribute, transmit, display, perform, publish, license,create derivative works from, transfer or sell any information, designs, logos, trademarks, software, Facilities, products or services obtained on or through the Website, except as permitted by the copyright owner or other right holder thereof;
   
  27.2.3. not attempt to modify, translate, disassemble, recompile or reverse engineer the software underlying e-Remit or create any derivative product based on the software and Website;
   
  27.2.4. not attempt to hack into the Website or otherwise attempt to subvert any firewall or other security measure of the Website and if the Customer becomes aware of any shortcoming in the security on the Website the same shall forthwith i.e. informed to the Bank in writing; or
   
  27.2.5. use any software provided on, by or through the Website only for the purposes for which it has been provided and for no other purpose.
   

28.    Recommended Security Practices

   
  The Customer SHOULD adopt the following recommended security practices while banking online:
   
 
  1. Keep the Password confidential at all times

  2. Always log off the online session

  3. Do not store the User-ID/Password when using internet browsers

  4. Do not disclose personal information to unsecured websites

  5. Use a computer/ device that can be trusted

  6. Ensure adequate security for wireless network and devices

  7. Clear the browser’s cache and history after each session

  8. Protect computer from viruses and malicious programs

  9. Protect critical data

  10. Disable the "File and Printer Sharing" feature on the Operating system

  11. Check account and transaction history details regularly

  12. Update the Bank when there is a change in contact particulars

  13. Request the Bank to suspend access to their e-Remit account should you suspect any unusual activity on your account, compromise of your User-ID and/or Password, or unauthorized access to the account.
  Let the Bank know immediately if there's a problem!
   
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