C. GENERAL TERMS AND CONDITIONS
1. Citibank Online enables me to have direct access to the Account(s) or to effect certain banking transactions, (including, without limitation, secure email which comprises the activation of the transactions listed in the pre-structured electronic instruction form and the transmission of instructions to you, funds transfer and bill payments) by electronic means via the Customer's Terminal. My Use of the Facilities shall be subject to the Terms, the applicable Account terms and conditions of Citibank and the specific terms and conditions in respect of the relevant service(s) and/or product(s) and to such other terms and conditions as you may at your reasonable discretion determine from time to time and notify to me.
2. You may at your reasonable discretion, vary, amend or modify any one or more provisions of these terms and conditions at any time after giving reasonable notice to me and such changes shall bind me and my legal representatives, successors, assigns and the beneficiaries of my estate.
3. Where you in your reasonable discretion make Citibank Online available to me, I shall access Citibank Online using (i) my User ID and Password which I may obtain via registration on Citibank Online using my CIN and ATM-PIN or (ii) my biometric data (where biometric authentication solutions are permitted by you and/or enabled on the Customer’s Terminal). I can generate a new User ID and/or Password in such manner as you may prescribe from time to time. I understand that authentication via my biometric data is optional and that my activating the biometric authentication function on Citibank Online enables any biometric data e.g. fingerprint or facial data saved on the Customer’s Terminal, whether now or in the future, to be used to access to Citibank Online. Accordingly, I agree not to activate the biometric authentication function and to immediately de-activate such biometric authentication function if any other person’s biometric data is saved, whether now or in the future, on the Customer’s Terminal. In the event any other person’s biometric data is saved on the Customer’s Terminal and I activate or continue to access Citibank Online using biometric authentication method despite the caution above, I understand that such person, using his or her biometric data, will be able to access my Account(s) and perform transactions through Citibank Online. I agree that the access of my Account(s) and performance of these transactions by such person will be considered as authorised by me and I shall be responsible and liable for the same. In order to effect banking transactions through Citibank Online, I shall in addition to the User ID and Password or biometric data be allocated an OTP. I shall gain access to Citibank Online for purposes of effecting banking transactions upon (i)the correct input of my User ID, Password and OTP into the Customer's Terminal or (ii)the recognition of any biometric data stored on the Customer’s Terminal and input of OTP. I am responsible for keeping, and shall take every precaution to keep my CIN, ATM-PIN, User ID, Password, OTP as well as any other information that can be used to register or generate my User ID and Password confidential (including but not limited to not revealing my Log-In Credentials to any third party and taking all steps to prevent discovery of my Log-In Credentials by any third party). I am responsible to ensure that should I choose to use the biometric authentication function to access Citibank Online, that only my biometric data is stored in the Customer’s Terminal. This information by itself or together with information on my Account(s) may allow unauthorised access to and/or operation of my Account(s). For security purposes, I undertake your recommendation that I memorise my User ID, Password and OTP (instead of recording it down) and that I change my Password regularly. I may change my User ID or Password from time to time by using Change User ID or Password screen within Citibank Online, and you will be entitled at your reasonable discretion to reject any of my selection as my substitute User ID or Password without giving any reason therefore. I agree that you shall not be liable in anyway whatsoever for any unauthorised registration of User ID and Password, and after such registration, any subsequent generation of the User ID and Password. In the event that my User ID and Password is registered, generated, disclosed or discovered by any third party, I shall immediately change my User ID or Password. I am responsible for the use and operation of my Account(s), whether or not authorised by me. You shall not be liable for any loss I suffer as a result of any unauthorised access to my Account(s) except in the case of your gross negligence or wilful default.
4. Where you in your reasonable discretion make Citibank Online available to me, I shall be allowed to have direct access to my Account(s) or to effect certain banking transactions by electronic means via a Customer's Terminal. I am responsible for keeping, and shall take every precaution to keep, such Customer's Terminal free from any electronic, mechanical, data failure or corruption, or Malware. I agree that you shall not be liable in anyway whatsoever for any unauthorised transactions effected in subversion of any authentication process put in place by you. I am responsible for the use, operation and access to my Account(s). You shall not be liable for any loss suffered by me as a result of any unauthorised use of my Account(s), except in the case of your gross negligence or wilful default.
5. I authorise you to notify me of my OTP via SMS or OSD. If notification is via SMS, I understand that you will send the SMS notification to my mobile phone number that you have on record. I acknowledge that in order for you to notify me of my OTP via SMS, I must provide you with my current mobile phone number. I agree with at you shall not be liable if I am unable to gain access to my OTP. If you have provided me with an OSD, I agree not to disassemble, decompile, copy, modify or reverse engineer the OSD or assist anyone else to do so whether directly or indirectly.
6. I authorise you to act upon any instructions, which are identified by any use of my (i)User ID, Password and OTP or (ii) biometric data stored on the Customer’s Terminal and OTP("Citibank Online Use"), whether or not authorised by me, and regardless of any subversion of any authentication process put in place by you. Such instructions, upon receipt by you, shall be effected at your reasonable discretion.
7. The Facilities are available 24 hours a day, 7 days a week. However, some or all of the Facilities that may be accessed through Citibank Online may not be available at certain times due to the maintenance and/or malfunction of the Citibank system. In the event of such unavailability, I may call 24-Hour CitiPhone Banking at (65) 6225-5225 or visit a Citibank branch to conduct my banking transactions. I agree that you will not be responsible for the timeliness, deletion, mis-delivery or failure to store any user data, communications or personalised settings or my failure to access Citibank Online or any of the Facilities, except in the case of your gross negligence or wilful default. I acknowledge and agree that my role is extremely important in the prevention of any unauthorised use or operation of my Account(s). I undertake to promptly examine my statements upon receipt. If I discover any discrepancies, omissions, debits wrongly made, inaccuracies or incorrect entries in my statement, I must immediately call 24-Hour CitiPhone Banking at (65) 6225-5225.
8. If I believe that my User ID, Password and/or OTP may have been lost or stolen, or that someone has accessed my Account(s) information, transferred or may transfer money from my Account(s) or otherwise has operated my Account(s) without my permission, I should notify you immediately by calling 24-Hour CitiPhone Banking at (65) 6225-5225.
9. You shall be entitled but not obliged to investigate the authenticity or authority of persons registering or generating my User ID, Password, OTP. You shall not be responsible for verifying the accuracy and completeness of my instructions given via Citibank Online, nor shall you be liable for acting upon any instructions given using my Log-In Credentials, effecting my instructions or verifying the accuracy and completeness of my instructions. Subject to the foregoing, such instructions shall be deemed irrevocable and binding on me upon your receipt of the same notwithstanding any error, lack of clarity or misunderstanding in respect of the terms of such instructions. I shall notify you immediately upon receipt of incomplete, garbled or inaccurate data or information from you. I shall also notify you immediately upon receipt of any data or information which is not intended for me and I shall delete such data or information from the Customer's Terminal immediately.
10. I shall accept full responsibility for any access to Citibank Online using (i)my User ID, Password and OTP or (ii) biometric data stored on the Customer Terminal and OTP and all transactions executed via Citibank Online and in particular for ensuring the accuracy and completeness of my instructions.
11. I agree that you may in your reasonable discretion but without prior notice to me cancel or refuse to execute my instructions at any time without furnishing any reason and without incurring any liability.
12. You shall be entitled but not obliged to verify any instructions given via Citibank Online by calling back online or via telephone or any other means.
13. I represent that to the best of my knowledge, the Customer's Terminal are free from any electronic, mechanical, data failure or corruption or Malware. I agree that neither you, any branches or subsidiaries of Citibank, N.A. are responsible for any electronic, mechanical, data failure, corruption or Malware or related problems that may be attributable to Facilities provided by any internet service provider or information service provider, network provider, content provider, any server or such other equivalent system.
14. I acknowledge that all proprietary rights relating to and in connection with Citibank Online (including without limitation the Citibank web site) and all updates thereof, including without limitation any title, trade mark rights, patent rights and copyrights, shall at all times vest and remain vested in you.
15. You shall not be liable for and I shall compensate you for any consequences, claims, proceedings, losses, damages or expenses whatsoever and howsoever caused that may arise or be reasonably incurred by you whether or not arising from or in connection with and including but not limited to the following:
- 15.1 your taking of any instructions via Citibank Online and acting upon them, including where such instructions were given in subversion of any authentication process put in place by you;
- 15.2 the unauthorised registration of a User ID, Password, the improper or unauthorised use of Citibank Online;
- 15.3 any damage to the Customer's Terminal, related facilities or software as a result of any access to Citibank Online effected by my Use of the Service(s);
- 15.4 any loss or damage caused by any access effected by my Use and/or my Use of the Service(s) being prohibited, restricted, delayed or otherwise affected by (i) the laws and regulations of the country from where the Service(s) is accessed and/or the terms and conditions prescribed by the relevant internet service provider, information service provider, network provider, content provider, server or such other equivalent system in such country of access; (ii) any law or regulation of any jurisdiction, regional or international authority which governs any use or any component of Citibank Online, the relevant internet service provider, information service provider, network provider, content provider, server or such other equivalent system; (iii) any act or omission by the relevant internet service provider, information service provider, network provider, content provider, server or such other equivalent system; (iv) your modifying, maintaining or upgrading the Citibank web site; and/or (v) your terminating or modifying Citibank Online;
- 15.5 any loss or damage suffered or incurred by me or any other party as a result of my relying or acting or omitting to act upon any information which you obtain from any third party (including without limitation any pricing, stock quotes, estimates and descriptions of any merchandise, product and service ("Third Party Information"));
- 15.6 any access (or inability or delay in accessing) and/or use of any browser which you provide to allow access to Citibank Online, effected by my Use of the Facilities, or for any defect in any such browser;
- 15.7 any errors or omissions in the information and materials contained in the Citibank web site except in the case of your gross negligence or wilful default;
- 15.8 any delay or failure in any transmission, dispatch or communication facilities; or
- 15.9 any variation, cancellation or discontinuation of Citibank Online or any part thereof by you provided such variation, cancellation or discontinuation is notified to me,
16. All communications through Citibank Online which fulfil your internal requirements shall be deemed to be valid, accurate and authentic, and given the same effect as, written and/or signed documentary communications. I agree not to dispute the validity, accuracy or authenticity of any evidence of any instructions and communication effected by my Use of the Facilities, including such evidence in the form of your computer records, transaction logs, magnetic tapes, cartridges, computer printouts, copies of any communication, or any other form of electronic information storage. I further agree that the foregoing shall be conclusive evidence of such instructions effected by my Use of the Facilities and communications received or dispatched by you save for our manifest or clerical error.
17. I understand that any access to Citibank Online will 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 is accessed, and to this extent such access will also be subject to and governed by the relevant laws and regulations of that country and any terms and conditions prescribed by such internet service provider, information service provider, network provider, content provider, server or such other equivalent system.
18. You may at your reasonable discretion and at any time after giving reasonable notice:
- 18.1 impose a fee for my Use of the Facilities, and for any re-extension thereof; and
- 18.2 modify, or withdraw any Service under Citibank Online without giving any reason therefore, and you shall not be liable to me for any loss or damage I or any other party may suffer as a result thereof.
19. You may at your absolute discretion from a risk management perspective and if required by the relevant authority or under any applicable law, without notice to you and without giving any reason, suspend your right to Citibank Online or any Service under Citibank Online.
20. Where you as part of Citibank Online to provide me with any Third Party Information, I acknowledge and agree that you do not thereby warrant the accuracy or completeness of any such Third Party Information.
21. Where you provide me (whether online or by way of CD-ROM) with a browser for the purpose of accessing Citibank Online, my use of the browser is subject to any payment, licensing and/or other terms prescribed by the relevant browser provider.
22. Neither you, any branch or subsidiaries of Citibank, N.A., any internet service provider, information service provider, network provider, content provider, any server, or such other equivalent system makes any express, implied or statutory warranties relating to Citibank Online, the direct access software or Facilities or browser including, but not limited to any warranties of merchantability, fitness for a particular purpose or non-infringement of third party proprietary rights unless disclaiming such warranties is prohibited by law.
23. You do not warrant the accuracy, adequacy or completeness of the information and material (including all text, graphics and links to other websites) contained in your website. Citibank Online may contain links to websites controlled or offered by third parties. You disclaim liability for, any information, materials, products or Facilities posted or offered at any of the third party websites linked to Citibank Online. By creating a link to a third party website, you do not endorse or recommend any products or Facilities offered or information or material contained at that website unless you expressly state so, nor are you liable for any failure of products or Facilities offered or advertised at those websites. Such third parties may have a privacy policy different from yours and the third party websites may provide less security than Citibank Online.
24. I agree that you have granted me only a non-exclusive license to use the software relating to and in connection with Citibank Online. This allows me to use such software only for its intended purposes as provided hereunder. I shall not distribute, disassemble, decompile, copy, modify or reverse engineer any of such software or allow anyone else to do so. Citibank Online gives me access to Facilities and information from you, any branch or subsidiaries of Citibank, N.A., which may be presented with a distinctive "look and feel". These Facilities, information and "look and feel" are your proprietary property. I may use such Facilities only for my personal, non-business use and may not reproduce, sell or distribute all or any portion of the information provided to me by such Facilities.
25. Although you shall use reasonable endeavours to ensure that Citibank Online is secure and cannot be accessed by unauthorised third parties, you do not warrant the security or confidentiality of any information transmitted through any internet service provider, information service provider, network provider, content provider, any server or such other equivalent system in any jurisdiction via Citibank Online.
26. My use of Citibank Online is personal to me, therefore I agree not to resell or make any commercial use of Facilities available on Citibank Online. I agree that I shall not use the Facilities available on Citibank Online for illegal purposes or for the transmission of material that is unlawful, harassing, libellous (untrue and damaging to others) invasive of another's privacy, abusive, threatening, obscene or that infringes the rights of others.
27. Citibank Online may be varied, cancelled or discontinued by you at any time with reasonable notice to me. After cancellation or discontinuation, Citibank Online may be reinstated in such manner and form on such terms and conditions as you may determine at your reasonable discretion and notify to me.
28. You shall use reasonable precautions to maintain the confidentiality of the information I have provided to you and the information I have created, inputted or developed in connection with my Use of the Facilities but because such information can be accessed through the internet I hereby acknowledge and agree that there can be no assurance that the information provided to me through the Facilities or any communication through email will remain secure. In addition, you may disclose such information to your employees, representatives, officers, agents and affiliates, as well as government entity or any other third party agent or service provider (a) for any purpose related to the conduct of your business or to the offering, providing or maintaining the Facilities (b) to comply with applicable rules, orders, subpoenas or other legal process, or in order to give information to any government agency or official requesting such information, or (c) for any other legitimate business purpose.
29. I expressly understand and agree that my use of the Facilities is at my sole risk. The Service is provided on an "As Is" and "As Available" basis.
- 29.1 1 You expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement, except in the case of our gross negligence or wilful default.
- 29.2 You make no warranty that (i) the Service will meet my requirements, (ii) the Service will be uninterrupted, timely, secure or error- free, (iii) the results that may be obtained from the Use of the Service will be accurate or reliable, (iv) the quality of any products, Facilities, information or other material purchased or obtained by you through the Service will meet my expectation, and (v) any errors in the technology will be corrected.
- 29.3 To the extent that any part of this section is not consistent with any other part of these terms, then this section will prevail.
30. I understand that I am required to be cautious when browsing on the internet and to use good judgment and discretion when making purchases, obtaining information, or transmitting information, and I understand the risks associated with providing any person information or payment instructions on unfamiliar, suspicious or unsecured websites (such as the risk of theft of my User ID, Password, ATM-PIN, T-PIN, OTP, OAC and/or CIN). From the Citibank website, I may visit or be directed to sites containing information or material that may be offensive or inappropriate. You make no effort to review the content of these sites, nor are you responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites. In addition I understand that you do not endorse or control the content of any such sites and are not responsible or liable for any content, even though it could be unlawful, harassing, libellous, privacy invading for content that infringes or may infringe upon the intellectual property or other rights of another. I acknowledge that you do not pre-screen content, but that you and your designees will have the right (but not the obligation) in your reasonable discretion to refuse, edit, move or remove any content that is available via the Service.
31. Save in the case of your gross negligence or wilful default, I agree that you will not be liable for any harm direct, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if you have been advised of the possibility of such damages, resulting from (i) the Use or the inability to use the Service (ii) the cost of getting substitute goods and Facilities resulting from any products, data, information or Facilities purchased or obtained or messages received or transactions entered into through or from the Service (iii) unauthorised access to or alteration of your transmission of data (iv) Statemen(s or conduct of anyone on the Service; or (v) any other matter relating the Service.
32. Except when caused by your wilful default or gross negligence, I agree to protect and compensate you and your affiliates and service providers from any and all other third party claims, liability, damages, reasonably incurred expenses and costs (including, but not limited to, attorney fees) caused by or arising from my violation of the terms of my infringement, or infringement by any other user of my Account, of any intellectual property or other right of anyone.
33. You reserve the right to change or discontinue, temporarily or permanently, the Service at any time after giving reasonable notice to me. In order to maintain the security and integrity of the service you may also suspend my access to the service at any time without prior notice to me. I agree that you will not be liable to me or any third party for any modification or discontinuance of the service save in case of your gross negligence or wilful default.
34. You are not obliged to take any steps or carry out any transaction or service contemplated under the Terms (including but not limited to such obligations imposed on you or agreed to by you herein) or provided under Citibank Online if you believe that the taking of such step or carrying out of such transaction or service will be in contravention of any applicable law, regulation or directive.
35. You may broadcast notices or messages through Citibank Online to inform me of changes to the Terms, the Facilities, or other matters of importance; such broadcasts shall constitute notice to me. All notices to you must be made in writing. If any provision of these Terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. The laws of Singapore apply to the Terms without giving effect to its conflicts of laws provisions. The Terms constitute the entire understanding between you and me about the Facilities.
By clicking "I AGREE", you agree (1) that you have read the Citibank Online User Agreement and agree to be bound by the same as may be updated from time to time and, (2) by entering into the Citibank ThankYou Rewards Program ("Program") redemption website, you are entering a website managed and operated by third party Facilities providers, and that Citibank Singapore Limited is authorised to (i) collect, use and disclose your personal data for administration of the Program and conducting and completing transactions in connection therewith; and (ii) disclose your information to such third party service providers and their agents and used in connection with administering the Program and for transactions you may enter into in connection therewith
