Feddy - Terms and Conditions

Terms and Conditions for the access to and use of Chatbot Services via Federal Banks’s Corporate Website/ WhatsApp / Facebook Messenger /Amazon Alexa / Google Assistant

DEFINITIONS

In this document the following words and phrases have the meaning set below unless the context indicates otherwise:

Alexa” or “Amazon Alexa” or “ Alexa App” is the artificial intelligence developed by Amazon which includes but not limited to phonetic understanding of voice, conversion of voice to text, from text to useful actions. To enable voice based communications Echo Device shall be linked to Alexa App and Wi-Fi Connection. Echo Device can take in voice inputs from the Users and provide a response. In Federal Bank’s case, the responses are designed by Federal Bank team. In order to avail the services, User shall enable Federal Bank Skill named as Feddy from Alexa App.

Account Holder” shall mean a User who is a Federal Bank Customer and holding an operative savings bank Account. (Non-Resident Indians (NRIs), Foreign Account Holders and minors are not eligible to register for the Services)

Amazon” means Amazon Digital Services LLC, Amazon Media EU S.a.r.l., Amazon Services International, Inc., Amazon Servicos de Varejo do Brasil Ltda., and Amazon Australia Services, Inc.

“Chatbot” or “ Virtual Assistant” or “Feddy”means an interactive platform/ digital channel based on Artificial Intelligence by means of which FEDERAL BANK provides Two Way Communication Service to provide any information related to Bank’s Products, Services etc. , to its Users. Chatbot for the Services herein is named as “Feddy”.

“Device” means any Laptops, Desktops, Smart Speakers, Mobile Phones and Tablets that supports the software/application for availing the facility

“Facebook Messenger” shall mean the messaging App and platform developed by Facebook Inc., based in Menlo Park, California.

"Facility’’ or ‘Services " shall mean the One Way Communication and Two Way Communication services provided by the Bank by itself or through any of its service providers, to a User by means of Chatbot through Website/ WhatsApp / Google Maps / Google Search / Facebook Messenger/ Amazon Alexa / Google Assistant and Live Chat services provided by Live Agent of the Bank, to a User by means of Chatbot through Website/ WhatsApp / Google Maps / Google Search which enables the Users to avail information related to various products/services offered by Federal Bank which may include Opening of a Bank Account, Generating Account Statements & Interest Certificates , Downloading FedMobile or activating Internet Banking , Updating your KYC , Different type of loans such as Gold Loan, Home Loan etc, lodging complaints, interactive customer support through Live Chat, Debit card related queries etc.

“FEDERAL BANK” shall mean The Federal Bank Ltd., ., a Banking company within the meaning of Companies Act 2013 having its registered office at Federal Towers, Aluva, Kerala (The term includes its Affiliates)

Google Assistant is an artificial intelligence –powered virtual assistant developed by Google LLC, California , that is primarily available on mobile and smart home devices capable of making two-way communications..

“Google Maps” refers to map and location services developed and provided by Google LLC, California.

“Google Search” refers to search engine developed and provided by Google LLC, California.

“Live Agent” shall mean a dedicated human agent of Federal Bank providing Facility to the User by the means of Live Chat.

“Live Chat” shall mean communication made with Live Agent on Chatbot via Website/ WhatsApp / Google Maps / Google Search / Facebook Messenger/ Amazon Alexa / Google Assistant when Feddy is of the opinion that such communication should be made based on User experience or where User specifically asks Feddy to connect him/her with a Live Agent.

One Way Communication” shall mean the service provided by the Bank to the User on Website/ WhatsApp / Google Maps / Google Search / Facebook Messenger/ Amazon Alexa / Google Assistant where the Bank sends its User one-way messages through its Registered Number in the nature of information, alerts, updates, transaction alerts in relation to the Customer’s Account and such other communications as the Bank may enable from time to time, at its discretion.

“Platform” means Websites, Applications, OTT platforms, IoT devices etc. that supports the software/application for availing the facility

“Privacy Policy” shall have the meaning as ascribed to the term in Clause 12 hereto;

Two Way Communication” shall mean the service provided by FEDERAL BANK to the Users on the Chatbot via Website/ WhatsApp / Google Maps / Google Search / Facebook Messenger/Amazon Alexa / Google Assistant , where the User can communicate with FEDERAL BANK by sending messages, in the form of requests, seeking information, asking queries, to the FEDERAL BANK through its Virtual Assistant, Feddy. Upon receipt of such request, information or query, the “Feddy” will respond back on the User’s Mobile Phone Number/ Device . However, such communication shall be limited only to such queries, information, requests, providing the Facilities etc. as it may be determined by the Bank, from time to time.

“User ” shall mean a Customer of the Bank or any other person interacting with the Bank on Chatbot via Website/ WhatsApp / Google Maps / Google Search/ Facebook Messenger /Amazon Alexa / Google Assistant.

User Information” or “Personal Information” refers to the personal data or information or such other data or information including any sensitive personal data in relation to the User such as information in relation to the account of the User, shared by the User or provided to the User by the Bank or collected or obtained from the User or from WhatsApp / Google Maps / Google Search / Facebook Messenger /Amazon Alexa / Google Assistant or from any such source in the course of the User availing the Services hereunder.

"Website" refers to the website owned, established and maintained by FEDERAL BANK located at the URL www.federalbank.co.in or any other website as may be modified by FEDERAL BANK from time to time.

WhatsApp” is the application provided by WhatsApp Inc.,1601 Willow Road, Menlo Park, California 94025.

Reference to the masculine gender in this Terms and Conditions includes reference to the feminine, neuter and vice versa.

Acceptance of Terms and Conditions

The User agrees that, using of the Services by way of sending any communication/ message to FEDERAL BANK, User shall deemed to have read, understood and irrevocably accepted and agreed to all these terms and conditions and registered for the Services and thereupon these Terms and Conditions shall be binding on the User in the same manner as if the User has agreed to the same in writing.. The terms and conditions shall be subject to the modifications to be made by FEDERAL BANK from time to time, on such terms as FEDERAL BANK may deem fit.

The User availing the Services hereby grants express authority to FEDERAL BANK for carrying out the Services requested by the User on his Mobile Phone Number registered for Whats App / Google Maps / Google Search / Face Book Messenger or through the Website/ Alexa/ Google Assistant.

FEDERAL BANK shall have no obligation to authenticate the User or to verify the identity of any User once the registration for Service is made or once it receives any request/ communication from the Mobile Phone Number of the Users via WhatsApp / Google Maps / Google Search/ Face Book Messenger or through the Website/ Alexa/ Google Assistant.

FEDERAL BANK ‘S own record or log of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.

For availing the Facility / Services, by means of One Way Communication Service, Two Way Communication service and Live Chat, the User shall be deemed to have accepted (a) the Terms and Conditions applicable to the User for availing the Facilities mentioned herein; and (b) the Privacy Policy of the Bank applicable to the User for availing the Facilities mentioned herein.

Availability of Services & Disclosure

FEDERAL BANK shall endeavour to provide to the User through the Facility, such services as FEDERAL BANK may decide from time to time and as displayed in Website. FEDERAL BANK reserves the right to decide what services may be offered to a User on each Account and such offers may differ from User to User. FEDERAL BANK may also make additions / deletions to the services offered through the Facility at its sole discretion.
The Facility is made available to the User, at the sole discretion of FEDERAL BANK and may be discontinued / modified / altered by FEDERAL BANK at any time without prior notice.
This Facility might not be available on all device & platforms and will depend on the device & platforms configuration & the minimum requirements for running the application.
FEDERAL BANK shall endeavour to reply / revert to queries raised promptly, provided that FEDERAL BANK, shall not be responsible for not replying or any delay in reverting to the queries due to any reason whatsoever including failure of operational system or due to any requirement of law or due to mobile network failure or any failure at the Service Provider’s/ partners’ platform .

Undertaking by the User

The User hereby unconditionally and irrevocably undertakes, acknowledges and agrees to the following:
a) All Facilities provided to the User shall be subject to applicable law and the rules, regulations, notifications, circulars and guidelines introduced or amended from time to time by the Reserve Bank of India and/or any regulatory/ statutory/ governmental authority.

b) That FEDERAL BANK may advise from time to time, the versions of the operating systems on the Devices which are required for availing the Facilities. There will be no obligation on FEDERAL BANK to support all the versions of the operating systems. The User agrees that the User shall be responsible for upgrading any software, hardware and the operating system at his cost, from time to time, to avail the Facilities. FEDERAL 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, operating systems used by the User and that the same shall be the User’s sole responsibility to be able to continue his use of the Facilities.

c) That the User shall not reproduce, copy, or redistribute for commercial purposes any materials or design elements of the Facilities provided hereunder.

d) That the User shall not submit or transmit any content through the Chatbot via WhatsApp / Google Maps / Google Search/ Facebook Messenger or through the Website/ Alexa/ Google Assistant / Business Messages that :

(i) is obscene, vulgar, or pornographic, immoral, illegal, illicit, unethical, anti-social etc.;
(ii) encourages the commission of a crime or violation of any law;
(iii) violates any state or Central laws in India and/or any law applicable in the jurisdiction in which you reside;

(iv) infringes the intellectual or copyrights of a third party; or
(v) constitutes confidential information and/or personal or sensitive information / data belonging to the User or to any other person.

f) FEDERAL BANK reserves the right to remove or otherwise delete any content or submissions made by the User that violates the FEDERAL BANK’s internal rules or which are inappropriate, as per FEDERAL BANK’s sole discretion, without undertaking any liability or responsibility in relation to the same or giving any prior warning to the User.

g) The feedback/ responses sent by FEDERAL BANK in One Way/ Two Way Communication Service / Live Chat are based on an application running at back-end. This program has been developed and regularly enhanced to handle the queries in best possible manner. However, for any queries that the User may not find satisfactory response or for any inaccuracies arising therefrom, FEDERAL BANK shall not be held responsible. The User, in such cases, shall directly contact the call centre of FEDERAL BANK or any of the branches of FEDERAL BANK .

h) By subscribing to the FEDERAL BANK’s Chatbot Service, the User agrees to get his personal notifications/alerts/acknowledgements including portfolio holding, transaction details, value added subscriptions etc. via WhatsApp / Google Maps / Google Search/Facebook Messenger/ Business Messages / SMS/email/smart devices, application, platform etc. from which this Facility is accessed. The User also agrees to receive notifications including regulatory updates, personalized offers, new product features etc. on his mobile number registered with Bank through WhatsApp / Google Maps / Google Search, Facebook Messenger, SMS and/ or & email address. FEDERAL BANK may also stop sending these alerts / notifications, at its sole discretion.
i) The User understands that using of Chatbot via WhatsApp / Google Maps / Google Search/ Facebook Messenger/ Alexa / Google Assistant / Business Messages may carry certain risks in relation to online transactions. Further, any message and information exchanged on Chatbot via WhatsApp / Google Maps / Google Search / FaceBook Messenger/ Alexa/ Google Assistant / Business Messages shall be 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. FEDERAL BANK shall not be responsible or liable to the User or any third party for the consequences arising out of or in connection with using of the Chatbot via WhatsApp / Google Maps / Google Search / Facebook Messenger/ Alexa/ Google Assistant / Business Messages.

j) The User is aware that it may not be possible for FEDERAL BANK to give detailed information on the Chatbot functionalities. FEDERAL BANK shall not be responsible or liable to the User or any third party for the consequences arising out of or in connection with using of the Chatbot Facilities.
k) WhatsApp / Google Maps / Google Search/ Google/ Amazon /Facebook and/ or other third party services linked to the Services have their own terms/ conditions/ policies (“Third Party Terms”) and the User is subject to such Third Party Terms, while using the Facility. FEDERAL BANK is not responsible for issues in connection with usage of such third party services and that any disputes with a third party product or service shall be settled with such third party. The User understands that his device is vulnerable to the threats, including but not limited to unauthorized (i) access by intruders to the data/information contained on such Device; (ii)identity theft; (iii) privacy violations; (iv) planting of stealth software, malware, viruses etc; (v) disablement or distortion of operations; (vi) interception of the transmission of encrypted data/message etc. FEDERAL BANK shall not be responsible or liable to you or any third party for the consequences arising out of or in connection with using of Chatbot/ services.

l) The User shall ensure appropriate network connection and the receipt of messages by the User shall be subject to the network connection and FEDERAL BANK shall not be held responsible for any delay or non-receipt of the responses from FEDERAL BANK.

m) The User is aware that FEDERAL BANK does not make any representation or warranty that the Facilities will be available at all times without any interruption and that FEDERAL BANK shall not be responsible for any variation, reduction or imposition of the terms or the User’s inability to use Chatbot for any reason whatsoever.

n) The User agrees that the User shall not have any claim against FEDERAL BANK on account of any suspension, interruption, non-availability or malfunctioning of the Chatbot including due to any link/mobile/system failure at FEDERAL BANK’s end for any reason thereof.
o) The User is responsible for keeping security safeguard of his account on his WhatsApp / Google Maps / Google Search / Face Book Messenger/Google / Alexa / Business Messages linked to his registered mobile number.

p) The User agrees that sensitive information including but not limited to Debit Card or Credit Card Number, PIN and Password shall not be shared through Live Chat. The Federal Bank shall not be held liable for any loss or damages incurred by the User upon sharing of any such sensitive information with the Live Agent.

Authority to FEDERAL BANK

The User authorizes FEDERAL BANK to appoint any third party service provider for providing the Facility/ Services and further authorizes FEDERAL BANK to share information relating to the One Way/ Two way Communications / Live Chat with any third party for the purpose of providing feedback to the Users.

USER INFORMATION -

The User understands that FEDERAL BANK has deployed processes and technology to prevent unauthorized use or accidental disclosure of the User Information or any other data pertaining to the User on Chatbot. The User, understands and accepts that by using the Services, the User Information and any other data of the User in relation to the Services may also be stored on the application/ website/webpage and server of WhatsApp / Google Maps / Google Search / Facebook Messenger /Alexa/ Google as the case may be, which are outside of the control of the Bank and the Bank cannot guarantee the security of the User Information or any other data which is stored therein. The User unconditionally and irrevocably agrees and accepts that the Bank is not responsible for any compromise in such User Information/ data outside the control of the Bank and acknowledges that the User is providing the User Information at his own free will and risk.

The User hereby expressly consents to and authorises the FEDERAL BANK (whether acting by itself or through any of its service providers, and whether in automated manner or otherwise) to do and undertake any of the following, in relation to the User Information as may be deemed relevant by FEDERAL BANK for its purposes:

i) to collect the User Information directly from the User and also from other physical or online sources including WhatsApp / Google Maps / Google Search/ Facebook Messenger /Alexa/ Google Assistant and/or accessing the User Information from credit information companies, to get the authenticity, correctness, adequacy, etc. of such User Information obtained/ verified from any sources including online data bases or any persons; and to act for and on behalf of the Users, for the purpose of such accessing, collecting or verifying of the User Information without any notice to the Users;

ii) process User Information including by way of storing, structuring, organising, reproducing, copying, using, profiling, etc. as may be deemed fit by the Bank;

iii) to store the User Information for such period as may be required for contract, by law or for Bank’s evidential and claims purposes, whichever is longer;

iv) to share and disclose the User Information to service providers, consultants, credit information companies, other banks and financial institutions, affiliates, subsidiaries, regulators, investigating agencies, judicial, quasi-judicial and statutory authorities, or to other persons as may be necessary in connection with the contractual or legal requirements or in the legitimate interests of the Bank or as per the consent;

v) any of the aforesaid authorities may be exercised by the Bank for the purposes mentioned above, for the purposes of credit appraisal, fraud detection, anti-money laundering obligations, for entering into contract, for direct marketing, for developing credit scoring models and business strategies, for monitoring, for evaluating and improving the quality of services and products, for other legitimate purposes or for any purposes with consent.

The User acknowledges the Bank has engaged/ may engage a service provider from time to time , for various aspects related to Services, storage, software/ hardware requirements, processing of requests, engines, responses, etc. and the User has no objection to the same. The User hereby confirms that all the authorisations and rights in any of (i) to (v) above also extend to and are given above to the service providers of the Bank, including for all the sharing and disclosures amongst the Bank and its service providers.

The User hereby expressly agrees to the Bank and/or its affiliates for using the User Information and for cross-selling to him their various products and services from time to time.

Accuracy of Information

The User undertakes to provide accurate information wherever required and shall be responsible for the correctness of information provided by him to FEDERAL BANK at all times including for the purposes of availing of the Facility. FEDERAL BANK shall not be liable for consequences arising out of erroneous information supplied by the User.

PRIVACY POLICY

The User has read, understood and accepted the Privacy Policy of the Bank which can be found at https://www.federalbank.co.in/privacy-policy (“Privacy Policy”) - All the changes thereto from time to time by the Bank shall be binding on the User and the User shall update itself periodically for the privacy policies in force then from time to time by using the Bank’s website for this purpose.

TERMINATION OF SERVICES -

The User may request for termination/ unsubscription of the Services any time by following the process as may be prescribed by the Bank from time to time. However, for this to come into effect, it may take such time as may be required by the Bank. The User agrees that he will remain responsible for any requests made/ messages sent to the Bank using the Services prior to the time such cancellation of the Services is effected by the Bank.

FEDERAL BANK will be at liberty to withdraw/ discontinue/ suspend/ terminate the User’s use of the Services at any time without assigning any reason whatsoever. FEDERAL BANK may also discontinue or suspend or terminate Services/ facilities without prior notice if these Terms and Conditions are breached, in case of any emergency or for security reasons, which require the suspension of the Services.

Disclaimer of Liability

The One Way Communication and Two Way Communication Facility provided by the Bank on Chatbot via Website/ WhatsApp / Google Maps / Google Search / FaceBook Messenger/ Alexa/ Google Assistant / Business Messages is an automated chat facility which works on Artificial Intelligence. While FEDERAL BANK will take all reasonable steps to ensure the accuracy of the information supplied to the User and for resolution of complaints through Live Chat, FEDERAL BANK shall not be liable for any unintentional error, resulting from for any reasons whatsoever. The User undertakes to use the information provided, at his/ her risk and shall exercise independent diligence before arriving at any conclusion. FEDERAL BANK shall not be liable for any error or omission in the contents of the information, or for any actions taken by him/ her or any third party in reliance thereon. The User shall hold FEDERAL BANK , its Affiliates, Officers, Employees or Agents harmless against any loss, damages etc. that may incurred / suffered by the User in case the information supplied to the User turns out be inaccurate / incorrect.
FEDERAL BANK will not be liable for any loss / damages, caused (i)on account of the User committing any breach of these Terms and Conditions ; (ii) due to any act / omission done by the bank, in good faith ; (iii)loss of any information / instructions in transmission ; (iv)unauthorized access by any other person to any information /instructions given by the User or breach of confidentiality; (iv)any loss or damage to the device/ / mobile phone, including loss of data, corruption of data arising from downloading any software/application for availing/use of the Facility.
Under no circumstances shall FEDERAL BANK be liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the User or by any other person.
FEDERAL BANK is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by FEDERAL BANK in that behalf or otherwise) to the User, which may affect the Facility.
Without limitation to the other provisions of this terms and conditions, FEDERAL BANK, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the User or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of FEDERAL BANK in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the User and the network of any cellular service provider and FEDERAL BANK's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the User, FEDERAL BANK's system or the network of any cellular service provider and/or any third party who provides such services as is necessary to provide the Facility.
Notwithstanding anything to the contrary, FEDERAL BANK shall not be involved in or in any way liable to the User for any dispute between the User and a cellular services provider or any third party service provider (whether appointed by FEDERAL BANK in that behalf or otherwise).
The User agrees that FEDERAL BANK may hold and process his personal information concerning his Accounts on computer or otherwise in connection with the Facility as well as for analysis credit scoring and marketing. The User also agrees FEDERAL BANK may disclose, in strict confidence, to other institutions, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive, for credit rating by recognized credit scoring agencies, and for fraud prevention.
The User further agrees that the WhatsApp / Google Maps / Google Search / FaceBook Messenger /Alexa/ Google Assistant Application / Business Messages are owned and controlled by an independent third party which is unaffiliated with the Bank. The Bank is not responsible for the privacy or security policies of WhatsApp / Google Maps / Google Search/ Face Book Messenger / Alexa/ Google Assistant / Business Messages and any other entity that may be linked to/ from/ within it, and does not assume liability for any damage incurred by the User from the use of said application. The User fully understands that the Federal Bank is not endorsing the products or services of WhatsApp / Google Maps / Google Search / Face Book Messenger / Alexa App/ Google Assistant / Business Messages or of any advertisement etc. appearing thereon.
The User shall not interfere with or misuse in any manner whatsoever the Facility and in the event of any damage due to improper or fraudulent use by the User, the User shall be liable for damages to FEDERAL BANK.
FEDERAL BANK may provide any other services as a part of the Facility and makes no representation or gives no warranty with respect to the quality of the service provided by any cellular service provider.
FEDERAL BANK shall not be liable for the oversight on part of the User to update himself with the products which have been included in the Facility and specific services for each product as may be provided on the Device, by FEDERAL BANK and as will be available with the authorized call centres of FEDERAL BANK.
FEDERAL BANK makes no warranty or representation of any kind in relation to the Facility, the services, or their function or performance or for any loss or damage whenever and however suffered or incurred by the User or by any other person resulting from or in connection with the Facility.
NO WARRANTIES: TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, FEDERAL BANK AND THEIR RESPECTIVE THIRD-PARTY PARTNERS, LICENSORS, AND SUPPLIERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY THE USER FROM FEDERAL BANK OR THIRD PARTY SERVICE PROVIDER OR THROUGH THE FACILITY WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN. THE USER EXPRESSLY ACKNOWLEDGE THAT AS USED IN THIS SECTION, THE TERMS “FEDERAL BANK” AND “THIRD PARTY SERVICE PROVIDERS” INCLUDE FEDERAL BANK’S AND THIRD PARTY SERVICE PROVIDER’S RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, SHAREHOLDERS, AGENTS, REPRESENTATIVES, LICENSORS AND SUBCONTRACTORS.
THE USER EXPRESSLY AGREES THAT USE OF THE FACILITY IS AT USER’S SOLE RISK AND RESPONSIBILITY. THE FACILITY AND ANY DATA, INFORMATION, THIRD PARTY SOFTWARE, REFERENCE SITES, SERVICES, OR SOFTWARE MADE AVAILABLE IN CONJUNCTION WITH OR THROUGH THE FACILITY ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED. FEDERAL BANK, THIRD PARTY SERVICE PROVIDER, AND THEIR RESPECTIVE THIRD PARTY SUPPLIERS, LICENSORS, AND PARTNERS DO NOT WARRANT THAT THE DATA, SOFTWARE, FUNCTIONS, OR ANY OTHER INFORMATION OFFERED ON OR THROUGH THE FACILITY OR ANY REFERENCE SITES WILL BE UNINTERRUPTED, OR FREE OF ERRORS, DEFECTS, DELAYS, VIRUSES OR OTHER HARMFUL COMPONENTS AND DO NOT WARRANT THAT ANY OF THE FOREGOING WILL BE CORRECTED.
FEDERAL BANK, THIRD PARTY SERVICE PROVIDER, AND THEIR RESPECTIVE THIRD PARTY SUPPLIERS, LICENSORS, AND PARTNERS DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE FACILITY OR ANY REFERENCE SITES IN TERMS OF CORRECTNESS, ACCURACY, ADEQUACY, RELIABILITY, SUITABILITY OR OTHERWISE.
THE USER UNDERSTANDS AND AGREES THAT THE USER’S USAGE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAINING OF INFORMATION, MATERIALS, OR DATA THROUGH THE FACILITY (INCLUDING RSS FEEDS) OR ANY REFERENCE SITES IS AT ITS OWN DISCRETION AND RISK, AND THAT THE USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO THE PROPERTY (INCLUDING BUT NOT LIMITED TO HIS/ HER COMPUTER SYSTEM AND DEVICE) OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL OR DATA.


Prohibited Conduct

This section lists various conduct and actions, which are PROHIBITED while usage of the Facility. By using the Facility, the User agrees that THEY WILL NOT engage in any of the following:
i. Use the Facility for any purposes other than in accordance with these terms;
ii. impersonate any person or entity, falsely claim an affiliation with any person or entity, or access the Accounts of others without permission, forge another persons’ digital/wet signature, misrepresent the source, identity, or content of information transmitted via the Facility, perform any other similar fraudulent activity or otherwise send or receive what Bank reasonably believes to be potentially fraudulent funds;
iii. infringe FEDERAL BANK’s or any third party’s intellectual property rights, rights of publicity or rights of privacy;
iv. use the Facility, for any illegal purpose, or in violation of any applicable law, including but not limited to laws governing intellectual property and other proprietary rights and data protection and privacy;
v. refuse to cooperate in an investigation or provide confirmation of User’s identity or any other information you provide to Bank;
vi. remove, circumvent, disable, damage or otherwise interfere with security-related features of the Facility or features that enforce limitations on the use of the Facility;
vii. reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Facility or any part thereof;
viii. use the Facility in any manner that could damage, disable, overburden, or impair it, including but not limited to using the Facility in an automated manner;
ix. modify, adapt, translate or create derivative works based upon the Facility or any part thereof, except and only to the extent that such prohibition is expressly prohibited by applicable law notwithstanding this limitation;
x. intentionally interfere with or damage operation of the Facility or any User’s enjoyment of them, by any means, including but not limited to uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code;
xi. use any robot, spider, other automatic device, or manual process to monitor or copy the Facility website without prior written permission;
xii. use any device, software or routine to bypass Facility’s robot exclusion headers, or interfere or attempt to interfere, with the Facility;
xiii. sell the software or any services, information, or software associated with the Facility or derived from it;
xiv. breach this terms and conditions or any other agreement or policy of FEDERAL BANK;
xv. provide false, inaccurate or misleading information;

Indemnity

The User undertakes to indemnify and keep FEDERAL BANK and its officers/employees and other applicable third parties, fully indemnified and harmless from and against all the consequences of breach/ non- compliance of any of the terms, conditions, statements, undertakings representations and warranties of these Terms and Conditions, any dispute / litigation caused by User’s act or omission, error/ mistake/ negligence/ misconduct by the User, as also of any of its representations or warranties not being found to be true at any point of time, including any actions, notices, suits, claims, proceedings, damages, liabilities, losses, expenses, costs or taxes faced, suffered or incurred by the Bank including from any third parties. This indemnity shall remain valid and subsisting and binding upon you notwithstanding withdrawal of any Services/Facility(ies) of Federal Bank or closure, for any reason whatsoever, of the Account or suspension or cancellation of any or all Services/Facility(ies) of Federal Bank

Governing Law

Any dispute or differences arising out of or in connection with the Facility shall be subject to the exclusive jurisdiction of the Courts of ERNAKULAM, KERALA.
FEDERAL BANK accepts no liability whatsoever, direct or indirect for non-compliance with the Laws of any country other than that of India. The mere fact that the Facility can be accessed by a User in a country other than India does not imply that the laws of the said country govern these terms and conditions and / or the operations in the accounts of the User and / or the use of the Facility.


General
FEDERAL BANK may sub-contract and employ agents/ third party service providers to carry out any of its obligations under the Services. Chatbot service would be available to the Users in certain countries/ cities only and during timings specified by FEDERAL BANK from time to time . The User would have to ensure that the device / equipment used for availing of Chatbot Facility meets the criteria as may be specified by FEDERAL BANK from time to time. All costs incurred by the User including telecommunication costs to use the Chatbot should be borne by the User.
As a tool to correct misunderstandings, the User understands, agrees and authorizes FEDERAL BANK, at its discretion, and without further prior notice to the User, to monitor and record any or all telephone conversations or electronic communications between the User and FEDERAL BANK and any of its employees or agents.

Communications through Electronic means

Documents sent by electronic delivery will contain all the information as it appears in the printed hardcopy version as prepared and distributed by the originator, with the possible exception of graphic insertions such as photographs or logotypes. Electronic delivery may be in the form of an electronic mail, an attachment to the electronic mail, or in the form of an available download from the Website.

FEDERAL BANK would be deemed to have fulfilled its legal obligation to deliver to the User any document if such document is sent via electronic means. Failure to advise FEDERAL BANK of any difficulty in opening a document so delivered within twenty-four (24) hours after delivery shall be deemed to be validly delivered to the User.

Communication through Chatbot via WhatsApp / Google Maps / Google Search / FaceBook Messenger /Alexa/ Google Assistant

FEDERAL BANK shall have no obligation to verify the authenticity of any queries/ messages initiated by the User through Chatbot via WhatsApp / Google Maps / Google Search / FaceBook Messenger /Alexa/ Google Assistant or purporting to have been sent by the User via Chatbot other than by means of verification of the Mobile Phone Number. The display that is produced by the User at the time of operation of Chatbot via WhatsApp / Google Maps / Google Search / FaceBook Messenger /Alexa/ Google Assistant is a record of the operation of the device access and shall not be construed as FEDERAL BANK’s records of the relative transactions. FEDERAL BANK 's own records of transactions maintained through computer systems or otherwise shall be accepted as conclusive and binding for all purposes.

GRIEVANCE REDRESSAL PROCESS

User can fill a grievance form and send via email to support@federalbank.co.in