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These WhatsApp Terms and Conditions (“said T&C”) (as amended from time to time) are applicable to the customers of IDFC FIRST Bank Limited (“Bank”) availing the Banking Services on the WhatsApp platform. Said T&C shall be in addition to other terms and conditions as stipulated by the Bank from time to time on its website i.e. www.idfcfirsbank.com in relation to its banking products, services, facilities or offers.
This WhatsApp Banking Services (“said Services”) offered by the Bank through its WhatsApp Banking Platform is at the sole discretion of the Bank for its eligible customer and said services are subject to certain terms and conditions mentioned herein:
Said Service cannot be used for grievance redressal or reporting fraud, the Bank shall not be held liable for any such incidents reported through the said service.
The customer who have subscribed to the said service shall have to delete WhatsApp on changing his/her device.
Said T&C may be withdrawn/superseded/ modified at any time whatsoever, by the Bank without any prior notice to the customer.
Customer shall ensure appropriate network connection, receipt of messages by Customer shall be subject to the network connection and the Bank shall not be held responsible for any delay or non-receipt of the responses from the Bank.
The Bank will offer the undermentioned services under the said service :
Loan Account Related
Savings Account Related
Credit Card Services
Any feature addition and removal on WhatsApp channel is sole discretion of the Bank.
Customers shall not submit or transmit any content through the said service as mentioned herein below:
Obscene, Vulgar, or Pornographic
Encourages the commission of a crime or violation of any law
Violates any state or Central law in India and/or the jurisdiction in which you reside and/or any applicable law.
Infringes the intellectual or copyrights of a third party
Under no circumstances shall the Bank, or its agents, affiliated companies, officers, directors, employees, and contractors be liable for any direct, indirect, punitive, incidental, special, or consequential damages that results from the use of, or inability to use, the said service or for receipt of any answer provided by the program running at the back-end.
The customer hereby understands, aware and agrees that using said service may carry extra risks and may not be secured. Further any message and information exchanged is subject to the risk of being read, interrupted, intercepted, or defrauded by third party or otherwise subject to manipulation by third party or involve delay in transmission.
The Bank shall not be responsible or liable to the customer or any third party for the consequences arising out of or in connection with using of the said service.
The customer shall be solely responsible for all the communication exchanged between him/her and the Bank while using the said service.
The customer is solely responsible for keeping security safeguard of his WhatsApp Account linked to the registered mobile number for using the said service at all times.
The customer agrees that he/she will not have any claim against the Bank on account of any suspension, interruption, non-availability or malfunctioning of the said service due to any link/mobile/system failure at the Bank’s end for any reason thereof.
WhatsApp is owned by a third-party who is not affiliated with the Bank. The Customer shall be solely responsible and shall have to adhere with and be guided by their privacy policies and the Bank has no control over it nor is the Bank responsible for the privacy or security policies thereof or any other third-party sites and/or applications that may be linked to the said service. The Bank does not validate and is not accountable for any ads, content, products, advice, opinions, recommendations or other material of third-party sites and/or applications that may be promoted via advertising within any social media properties.
The Customer hereby authorises the Bank for carrying out the Services as requested by the Customer on WhatsApp on his/her mobile number registered with the Bank and the Bank will have no liability for any fraud or impersonation incidents through the WhatsApp platform.
The Customer agrees, accepts and aware that the Bank reserves the right to provide only such Services as the Bank may at its discretion permit from time to time. The Customer further agrees confirms and aware that the Bank may at any time, without notice to the Customer, modify, discontinue or make additions/deletions to the Services offered to the Customer.
In case of conflict between any of the Said T&C and the terms and conditions for other banking products, services or facilities provided on the Bank’s WhatsApp Platform, specific terms and conditions of such products, services or facilities shall prevail. Further, in case of inconsistency between the said T&C and any other specific terms and conditions pertaining to a specific variant of the account or any specific products, services or facilities, the specific terms and conditions of such particular products, services or facilities shall prevail.
By applying and opting in for the said Services, the Customer acknowledges that he/she has read, understood and accepted said T&C and other specific terms and conditions as pertaining to the Account and any other products, services or facilities and such products, services or facilities availed by the Customer whether or not through WhatsApp.
Said T&C shall be governed by laws of India. In case of any dispute or differences arising out of or in connection with the said service shall be subject to the exclusive jurisdiction of the Courts of Mumbai.