Dhanlaxmi Bank

Internet Banking Terms & Conditions

Important: Please read the terms & conditions carefully. This is a legally binding agreement between you and The Dhanalakshmi Bank Ltd. establishing the terms and conditions under which this web site may be used. By accessing this web site, or any pages thereof, and/or using the information provided on or via this web site, you agree to be bound by this disclaimer. In the event of any conflict between the terms and conditions of specific products and services and this disclaimer, the conditions specific to such products and services shall prevail. If you do not agree to this disclaimer below, do not access this web site, or any pages thereof. The Dhanalakshmi Bank Ltd. may terminate your access to this web site and use of its internet banking service at any time, with or without cause or notice.

Customer compliance
The requirements as prescribed by the bank for the purpose of due authentication shall be complied and confirmed by the customer, which shall be as under. The customer agrees to confirm to the prescribed authentication procedure and security measures required for transactions and shall undertake all reasonable measures to ensure that the user/transaction password is not revealed to any third party.
1. The Customer shall be allotted NetBanking ID, Login and Transaction Password by the bank in the first instance. The user will be required to change the Login/transaction password assigned by the bank on accessing the Internet Banking services for the first time after his/her/its agreeing to the terms and conditions for Internet Banking. As a safety measure the user shall change the Login & Transaction Password as frequently as possible thereafter or as and when the system requires for the same (which shall be 60 days from the last change) whichever is earlier. In addition, the bank may at its discretion advise the user to adopt such other means of authentication as it may deem fit.
2. The customer must have different Login Password and Transaction Password for security reasons.
3. The customer shall be bound by the instructions he/she/it has initiated in the internet banking making it clear that the bank does not have any liability when his/her/its instructions using the login/transaction password is carried out. i.e, the bank is in order in carrying out the instructions of the customer on internet, relying on the login/transaction passoword and any transaction thus carried out by the Bank shall be deemed to have been duly authorized by the customer.
4. The customer understands and agrees that the transaction password is for the purpose of authenticating the transaction and shall have same effect as the specimen signature of authorised signatory of the customer and the customer shall be bound by the transactions initiated by the use of transaction password.
5. The customer is entirely responsible for the safekeeping / secrecy and use of NetBanking ID (Retail & Corporate) and Login / Transaction password and any damage and other consequences of their misuse wherever applicable.
6. The customer shall ensure that the authorized users of the customer also maintain secrecy of password individually.
7. The customer should exercise due care in respect of confidentiality of the Login / Transaction password and NetBanking ID. If third party gains access to the service in the customer accounts, the customer will be responsible and indemnifies the bank against any liability, costs or damages arising out of claims or suits by such third parties based upon or relating to such access and use.
8. The customer should refrain from accessing the resources of the Bank for Internet Banking from public locations like browsing centers which are susceptible for hacking of passwords and other misuse. In any such case, the customer will be responsible and indemnifies the bank against any liability, costs and damages arising out of such hacking or misuse.
9. The customer shall not attempt to access the information and other details stored with the bank through any means other than the Internet Banking services provided. The customer should also ensure that unauthorised persons should not access his/her/ their/its account(s).
10. The customer should not use the facilities provided as a part of the Internet Banking services to attempt to access/ access the information with the bank that pertains to the accounts of a third party with the bank or transactions between the bank and any other party.
11. The customer accepts full responsibility for the monitoring and safeguarding of customer’s accounts.
12. The customer is aware and acknowledges that in an offline mode, the transaction / request would be processed at the back end host at the branches. The customer, thus, agrees that the transactions would not be carried out immediately on the same date and notes to view his/her/its account to ascertain whether the transaction/requests are effected or not subsequently. Thereby the customer accepts that the Bank shall not be liable in case the customer proceeds on the assumption that the transaction / request are carried out immediately as and when the same are submitted on the net.
Customer's Role
The customer shall :
1. Keep the NetBanking ID (Retail & Corporate) Login Password and Transaction Password confidential and not to reveal the same to any third party.
2. Choose a Login Password which shall be at least eight characters comprising alphabets and numerical and does not relate to any readily accessible personal data such as name, address, telephone number, etc., of the customer and not record them in written or electronic form. Password should be a minimum of 8 characters and a maximum of 15 characters.
  
  The password should contain: Minimum 1 Numeric e.g. 0-9 · Minimum 1 Lowercase Alphabet e.g. a-z · Minimum 1 Special Character e.g. ! # $ % ^ & * ( ) _ - + = < > ‘ “ ? , . ; :
3. Don't allow any unauthorised person to have access to yours computers and not to leave the computer unattended while accessing any products and/or services on the website.
4. If the customer forgets / loses the NetBanking ID or Login / Transaction Password, the customer can request for change of the Login / Transaction Password by approaching the Bank with a duly authorised written request.
Notices
Notice can be sent,
1. Electronically to the mail box of either party ;or
2. In writing by delivering them by hand/post/courier/fax/Email to the last address given by the customer and in the case of the bank to the Relationship Manager to whom the customers’ account is linked or to the Branch(s) where he/she is maintaining account.
Further, the bank may also publish notices of general nature on its website, which are applicable to all customers. Such notices shall have the same effect as a notice serviced individually to each customer.
Charges
The bank reserves the right to charge and recover from the user, service charges for providing the Internet Banking. The user hereby authorizes the bank to recover the services by debiting one of the accounts of the user or by sending a bill to the user who will be liable to make the payment within 15 days period from the date of such bill. Failure to do so shall result in recovery of the service charge by the bank in a manner as the bank deem fit along with such interest, if any, and/or withdrawal of the Internet Banking facility without liability to the bank.
Copyright and Trademarks
All information, content, materials, products (including, but not limited to text, content, photographs, graphics, video and audio content) are protected by copyright in the favour of the bank under applicable copyright laws and are also protected otherwise under general intellectual property law. All information submitted to the bank through this website shall be deemed to be the property of The Dhanalakshmi Bank Ltd. and the bank shall be free to use any ideas, concepts, know-how or techniques provided by a visitor at this website, in any manner whatsoever. The bank is not bound by the obligation of confidentiality regarding submitted information unless the visitor has direct customer relationship with the Bank or unless specifically agreed or required by the law.

The Dhanalakshmi Bank Ltd. is a company incorporated under the Indian Companies Act, 1956, and having its head office at Dhanalakshmi Bank Buildings, Naickanal, Thrissur - 680 001, Kerala, India.

The Dhanalakshmi Bank Ltd, retains all rights (including copyrights, trademarks, patents as well as any other intellectual property right) in relation to all information provided on or via this web site (including all texts, graphics and logos). You may not copy, download, publish, distribute or reproduce any of the information contained on this web site in any form without the prior written consent of the bank. However, you may print out and/or download information contained on this web site for your own personal use.
Secrecy Code
The Dhanalakshmi Bank Ltd. shall maintain secrecy regarding information relating to the customer that is of confidential nature.). The bank has taken all necessary measures to protect the confidentiality of the information and their transmission under the service and it shall not be held liable for disclosure of the confidential information, unless proven otherwise. The bank shall not disclose the information provided by the customer to any person, unless acting under good faith that such action is necessary to:
1. Comply with legal requirements/orders of the court.
2. Protect the interest of the Bank or its employees
3. Provide the same to Government bodies such as IT Dept.,Central Excise, Sales Tax etc.
4. Protect and defend our rights or property
5. Enforce the terms and conditions
The bank may also use information including the personal information of customer and share the information with its subsidiaries/third parties for providing Internet Banking services/any service related activities.

The customer authorises the bank to exchange, share, part with all information related to the details of transaction history of the customer to banks/FIs/credit bureaus/agencies/others participating in electronic clearing network as may be required by law or customary practices and shall not hold the bank liable for use or disclosure of this information.

The customer shall not disclose any information of confidential nature pertaining to The Dhanalakshmi Bank Ltd. obtained in the course of availing the services through the website, to any other person. Failure to comply with this obligation shall be deemed a summary breach of these terms and conditions and shall entitle the bank to terminate the Internet Banking services without prejudice to any damages to which it may be entitled.
To the knowledge of The Dhanalakshmi Bank Ltd., no suit or proceeding at law is pending against the customer before any court, tribunal, governmental body, agency or official or any arbitrator that is likely to affect the legality, validity or enforceability against the customer of the terms and conditions.

Responsibility of the Customer
On each date on which the transaction is entered into it shall be the responsibility of the customer to comply with all the internal approvals for entering into transactions as may be required. Information furnished in writing by or on behalf of the customer to The Dhanalakshmi Bank Ltd. is as on the date of information true, accurate and complete in every material respect and holds good. The execution delivery and performance of transaction by customer should not violate/ conflict with any law or any regulatory requirements or any order/judgment of any court or other agency of the government or any contractual restriction as applicable to him/her/them/it.
Exclusivity Clause
The customer hereby agrees to use the website strictly for his/her/their/its internal use and not for any illegal purpose or in any manner inconsistent with the terms and conditions. The customer agrees not to use, transfer, distribute or dispose of any information contained in the website in any manner that could compete with the business of The Dhanalakshmi Bank Ltd. or otherwise is against the interests of The Dhanalakshmi Bank Ltd.. The customer agrees to protect the rights of The Dhanalakshmi Bank Ltd. and other parties during and after the term of the Internet/ Banking services and to comply with all reasonable written requests made by The Dhanalakshmi Bank Ltd. and other parties of context, equipment or otherwise to protect their and other parties contractual, statutory and common law rights in the website. The customer agrees to notify The Dhanalakshmi Bank Ltd. in writing promptly upon becoming aware of any unauthorised access or use of the website by any party or any claim that website infringes upon any copyright, trademark or contractual, statutory or common law rights.

The customer is allowed to download and retrieve data from the website on his/her/their/its computer screen, print individual pages on paper, photocopy and store such paper in an electronic form on desk for his/her/their/its exclusive personal use only. The customer further acknowledges that all the intellectual property in the website and the service provided continues to vest with The Dhanalakshmi Bank Ltd..
User / Login Clause
The Customer shall ensure that the valid user Login & Transaction password is entered. Where a customer enters invalid user (log-in) password consecutively for three times, his/her/its account would get locked as a security measure. Where a customer enters invalid transaction password consecutively for three times his/her account would get locked for transaction processing. The account can be unlocked by the Bank which would enable the same account on the basis of a request (as prescribed by the Bank) to that effect received from the customer.
Rights Reserved
The customer hereby acknowledges and agrees that any rights not expressed herein are reserved.
The customer also agrees that the terms and conditions are subject to change from time to time and all the customers would be automatically bound by such changes, irrespective of the time taken in displaying on the net. In the event of failure to intimate the same, The Bank will not be responsible for any action by the user whose authority has been revoked by the Customer.
Changing of Users
The customer can revoke the authority of an existing user, change the user access profile and authorise a new user by giving a resolution/mandate as prescribed by The Dhanalakshmi Bank Ltd.. However, in case an authorised user leaves the services of the customer, the customer shall immediately notify The Dhanalakshmi Bank Ltd. to disable the user access giving The Dhanalakshmi Bank Ltd. reasonable time to do so.
Closure of Account The customer agrees that he/she/they/it shall be able to exercise the right to close the account(s) with The Dhanalakshmi Bank Ltd., only if there is no obligation pending to be met by the customer towards The Dhanalakshmi Bank Ltd..
Survival of Obligation
The obligation of customers under these terms and conditions shall continue to be in full force and effect, notwithstanding the termination of the Internet Banking Services. The termination of the services shall be without prejudice to any accrued right of The Dhanalakshmi Bank Ltd..
Non - Transferability
The facilities granted under Internet/Mobile Banking services to customer/user are not transferable under any circumstances.
Termination/Suspension of Internet Banking Services
1. By The Dhanalakshmi Bank Ltd.
  The Dhanalakshmi Bank Ltd. reserves the right to interrupt, suspend or terminate, without any specific reason, the access of the customer to the Internet Banking services offered hereunder and make best efforts to give customer appropriate notice of the same without assigning any reason and without being liable for any loss/damage/cost of any nature whatsoever to the customer. The Internet Banking services for the customer/user may be terminated by The Dhanalakshmi Bank Ltd. on occurrence of any of the following events:
  1. Failure to make any payment required to be made, when due, by the customer/user and the same is not remedied by 15th day after notice of such failure is issued to the customer.
  2. Failure to comply with any obligations by the customer/user under these terms and conditions and if such failure is not remedied by 15th day after notice of such failure is issued to the customer.
  3. A declaration/statement made/to have been made by the customer or misleading in any material respect when made or deemed to have been made.
  4. Any other event forming termination.
2. By the customer
  The customer may terminate the Internet Banking service by giving 15 days written notice to the Bank and the same is consented in writing by The Dhanalakshmi Bank Ltd.. The termination of the Internet Banking service shall be without any prejudice to the execution of all outstanding transactions entered into between the parties. The Dhanalakshmi Bank Ltd. shall be entitled to receive all fees and other monies becoming due up to the date of such termination and The Dhanalakshmi Bank Ltd. is entitled to deduct such fees/monies from any amount, it may have to remit to the customer on termination of services.
Use of Information and Materials
The material and information contained on this web site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this web site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate. Unauthorized use of The Dhanalakshmi Bank Ltd.'s web site and systems including but not limited to unauthorized entry into The Dhanalakshmi Bank Ltd.'s systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited.

Liability
The Dhanalakshmi Bank Ltd. its agents, subcontractors or affiliates accepts no liability and will not be liable for any loss or damage arising directly or indirectly (including special, incidental or consequential, punitive, or exemplary loss, damage or expenses) from your use of this web site or any linked site or inability to use by any party, howsoever arising, and including any loss, damage or expense arising from, but not limited to, any defect, error, omission, interruption, imperfection, fault, mistake or inaccuracy with this web site, its contents or associated services, or due to any unavailability of the web site or any part thereof or any contents or associated services even if The Dhanalakshmi Bank Ltd., or representatives thereof, are advised of the possibility of such damages, losses or expenses.

The limitation of liability contained above is also for the benefit of directors and employees of The Dhanalakshmi Bank Ltd..

Please note that any software downloaded from this web site is at your own risk and The Dhanalakshmi Bank Ltd. neither assumes nor accepts liability for any loss or damage, (whether direct or indirect), howsoever caused, as a result of any computer viruses, trojan horses, worms, software bombs or similar items or processes arising from your use of this web site.
The Dhanalakshmi Bank Ltd. does not guarantee that any e-mails from the web site will be sent to you or received by The Dhanalakshmi Bank Ltd. nor does The Dhanalakshmi Bank Ltd. warrant the privacy and/or security of e-mails during internet transmission.
Use of Products and Services
The information and material on this web site should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell investments securities or any other instrument or banking product of The Dhanalakshmi Bank Ltd.. Use of the products or services described at this web site may not be permitted in some countries and if in doubt, you should check with your local regulator or authority before requesting further information. This web site does not constitute an offer on the part of The Dhanalakshmi Bank Ltd. to provide products or services described therein to persons or entities resident in countries where local law or regulation does not permit their use.

Products and Services are available only at the discretion of The Dhanalakshmi Bank Ltd., subject to the individual contractual terms and conditions of products and services on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.
Third Party Web site Access
This site may contain links to web sites controlled or offered by third parties (non-affiliates of The Dhanalakshmi Bank Ltd.). The Dhanalakshmi Bank Ltd. hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this web site. by creating a link to a third party web site, The Dhanalakshmi Bank Ltd. does not endorse or recommend any products or services offered or information contained at that web site, nor is The Dhanalakshmi Bank Ltd. liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of The Dhanalakshmi Bank Ltd. and the third party website may provide less security than the The Dhanalakshmi Bank Ltd. site.
Warranty
The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". The Dhanalakshmi Bank Ltd. does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.
Indemnity
You hereby agree to indemnify and to keep The Dhanalakshmi Bank Ltd. fully and effectively indemnified against any action, liability, cost, claim, loss, damage, proceeding or expense (including legal fees, costs and expenses on a full indemnity basis) suffered or incurred by The Dhanalakshmi Bank Ltd. arising from or which is directly or indirectly related to:- (a) your access to and/or use of The Dhanalakshmi Bank Ltd. 's web site and/or any other person or entity's use of this service or web site where such person or entity was able to access the service or web site using your user id and/or password; or (b) any breach or non-observance of any of these terms and conditions by you or by any other person or entity where such person or entity was able to access and/or use the internet banking service or web site by using your NetBanking ID and Login password.
Distribution of Material
The distribution of this web site's material may be restricted by law in certain jurisdictions. It is your responsibility to find out what those restrictions are and observe them.
Governing Law & Jurisdiction
The website and the terms & conditions herein shall be governed by and construed in accordance with all applicable laws of India. Any dispute, controversy or claims in respect of Internet Banking services or on account of breach of these terms and conditions shall be settled by arbitration in accordance with the provisions of the Indian Arbitration and Conciliation Act, 1996.

In the event of dispute between The Dhanalakshmi Bank Ltd. and customer, an arbitrator shall be appointed by The Dhanalakshmi Bank Ltd..

The place of arbitration shall be at Ernakulam and any award shall be made /deemed to be made for all purposes in Ernakulam

In case of failure to settle the dispute through arbitration, then the same shall be brought with the jurisdiction of the High Court in Eranakulam.
Miscellaneous
Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.
Right to change
The Dhanalakshmi Bank Ltd. reserves the right to change the information provided on or via this web site, including the terms & conditions, at any time and without notice. It is recommended that you review the information provided on or via this web site, including the terms of this disclaimer, periodically for changes.

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