These terms and conditions (hereinafter referred to as the “Terms and Conditions”) apply to and regulate the provision of the ORP App (defined hereunder) issued by HDFC Bank Limited (“Bank”) and transactions undertaken thereunder. These Terms and Conditions shall be in addition to and not in derogation to any other terms as stipulated by the Bank, from time to time.

1.    DEFINITIONS

1.1    In these Terms and Conditions, unless there is anything repugnant to the subject or context thereof, the following words/ expressions shall have the meaning as stated herein under:

“Authentication Credentials” shall mean the authentication factors and log in credentials which may be in the form of user id and password or one time password or other similar form factors generated at the time of registration of the Customer on the ORP App.

“Bank Registered Mobile Number” shall mean the mobile number of the Customer registered with the Bank at the time of Application.  

“Customer” shall have the meaning assigned to the term in clause [●] hereof. 

“Device” shall mean the device where the ORP App/ Wallet of the Customer can be accessed. 

“Offline Mode” is the functionality of enabling transactions/ payment through the wallet when the Customer is offline or has low or limited accessibility to mobile network or internet. 

“ORP App” shall mean the Offline Retail Payments application of the Bank and the functionalities therein including of Offline Mode which the Bank has released as a limited offering on a Pilot Project basis. 

“Pilot Project” shall mean the limited release of the ORP App and the functionalities therein as part of a purpose of proof of concept (POC) testing environment, within a restricted closed user group pursuant to the RBI Framework and RBI Approval and subject to the requirements and parameters prescribed by the RBI from time to time in this regard.

“RBI” shall mean the Reserve bank of India. 

“RBI Approval” shall mean the approval to the Bank of the RBI vide press release dated September 5, 2022 wherein the Bank has been shortlisted as one of the entities under the Regulatory Sandbox: ‘On Tap’ application facility for theme ‘Retail Payments’ announced vide the RBI’s press release dated October 08, 2021.

“RBI Framework” shall mean the RBI’s Enabling Framework for Regulatory Sandbox dated August 13, 2019.  

“Security Breach” shall mean any unauthorized or wrong or wrongful use or mis-use, loss, misplacement, theft, any error or bug or virus leading to any of the same, phishing or hacking or other attack, remote access, any other breach of security, etc. (whether intentional or unintentional), of any of: (i) the Bank Registered Mobile Number; (ii) Device (iii) Authentication Credentials. 

“Transactions” shall mean any payments and transactions undertaken through the ORP App.

“Wallet” shall mean the prepaid instrument provided to the Customer on the ORP App for undertaking the Transactions of the Bank 

1.2    Interpretation

In these Terms and Conditions, unless the context otherwise requires:

(a)    the singular includes the plural, and vice versa and words of any gender are deemed to include the other genders; 
(b)    the terms “hereof”, “herein”, “hereby”, “hereto” and derivatives or similar words refer to these Terms and Conditions;
(c)    references to the words “include” or “including” shall be construed without limitation;
(d)    reference to any paragraph or schedule shall mean a paragraph of, or a schedule to these Terms and Conditions; 
(e)    reference to any legislation, law, circular or regulation or to any provision thereof shall include references to any such legislation, law, circular or regulation, as it may, after the date hereof, from time to time, be amended, supplemented or re-enacted, and any reference to a statutory provision shall include any subordinate legislation made, from time to time, under that provision;
(f)    the term “person” includes an individual, a partnership firm, a limited liability partnership, a company (as defined in section 2(20) of the Companies Act, 2013), a body corporate (as defined in section 2(11) of the Companies Act, 2013), a co-operative society, a trust, an association of persons whether incorporated or not and any other entity;
(g)    the application form for the ORP App shall be deemed to form an integral part of these Terms and Conditions;
(h)    heading and bold typeface are used only for convenience and shall not affect the interpretation of these Terms and Conditions.

2.    ACCESSIBILITY OF THE ORP APP AND OFFLINE MODE FUNCTIONALITY
2.1    The Customer hereby understands and agrees that the ORP App and functionalities therein including the Offline Mode are being made available to the Customer by the Bank as part of a limited offering and Pilot Project release of the ORP App and the Customer hereby agrees that any access/ use of the ORP App including undertaking any Transactions thereon shall be governed by the RBI Framework, RBI Approval and shall be subject to the parameters, requirements, limits and/or restrictions prescribed by the RBI and/or by the Bank, from time to time.
2.2    The Customer hereby agrees that the ORP App and Offline Mode functionality will not be accessible to the public and shall only be permitted for select users chosen as per the requirements of the Bank at the sole discretion of the Bank (each permitted user of the ORP App, a “Customer”). 
2.3    The Customer hereby agrees that the ORP App, Offline Mode functionality and any Transactions undertaken thereunder shall be permitted only through a limited set of merchants selected as per the requirements of the Bank at its sole discretion (each permitted merchant, a “Merchant”). 
2.4    The Customer hereby agrees the ORP App and Offline Mode functionality is only being made available to the Customer for a limited period of the Pilot Project. The Customer understands and agrees that the Bank shall decide the periodicity of the Pilot Project at its sole discretion and the Bank has the full right to, at its sole discretion, suspend and/or discontinue the access of the Customer of the ORP App and all functionalities thereunder including the Offline Mode once the period of the Pilot Project expires, without a need for any permission from or notice to the Customer. 
2.5    The Customer hereby agrees and accepts that the Bank reserves the right to prescribe, from time to time, types of Transactions, Transaction limits, Transaction modes, Wallet loading limits, Merchants/ Merchant establishments, minimum or maximum value of Transactions for which the ORP App and the Offline Mode can be used, the types of devices, types of operating systems on the devices and/or types of services. The Bank may also advise the availability/non-availability of any particular service/ Transaction/mode of payment/ Merchant, from time to time.

3.    CUSTOMER REPRESENTATIONS 
3.1    By applying to the Bank and signing up for the ORP App the Customer hereby represents and undertakes to the Bank as under: 
(a)    The Customer is an individual; 
(b)    The Customer is a major; 
(c)    The Customer is of sound mind, solvent and competent to contract; 
(d)    The Customer is a resident of India; and 
(e)    The Customer is present within the territory of India at the time of accessing the ORP App. 
3.2    By applying to the Bank and signing up for the ORP App the Customer hereby represents and undertakes to the Bank that the Customer has read, understood and agrees to the privacy policy of the Bank available at www.hdfcbank.com. 
3.3    The Customer hereby agrees that by applying for the ORP App and Wallet the Customer represents to the Bank that the Customer has understood the risks, limitations, restrictions and these Terms and Conditions applicable to the ORP App and Wallet in the Pilot Project and the Customer has chosen to apply for the ORP App and Wallet at its sole discretion and pursuant to the Customer’s independent assessment and decision and that no person has made any warranty, guarantee in relation to the ORP App or the Wallet to the Customer or induced the Customer to opt or apply for the same. 

4.    APPLICATION AND REGISTRATION THE ORP APP
4.1    The Bank may, at its sole discretion, enable a Customer to sign up for the ORP App subject to completing the application process (“Application”) and fulfilling the requirements as prescribed by the Bank from time to time in this regard including ‘know your customer’ (KYC) requirements. 
4.2    The Customer acknowledges that the acceptance of any Application and permitting the access and use of the ORP App shall be the sole prerogative of the Bank and nothing contained in these Terms and Conditions should be construed as obliging the Bank to permit the use of the ORP App to any person.
4.3    The Customer hereby agrees that the Bank may prescribe Authentication Credentials for the access of the ORP App at the time of registration of the Customer on the ORP App.  

5.    WALLET TERMS AND CONDITIONS AND RESTRICTIONS 
5.1    The Customer hereby agrees and confirms that any access and/or use of the ORP App shall be subject to (i) the terms and conditions and other requirements under applicable law including the RBI Master Directions on Prepaid Payment Instruments (PPIs) dated August 27, 2021; (ii) the policies, guidelines and instructions provided by Bank, from time to time, in relation to the prepaid payment instruments; (iii) the terms and conditions as may be prescribed by the Bank as may be applicable to any the respective Transaction/ purchase/ payment from/to the Merchant from time to time; and (iv) the terms of the RBI Framework, RBI Approval and the parameters, requirements, limits and/or restrictions prescribed by the RBI, from time to time.  
5.2    The Customer agrees that it is the sole discretion of the Bank to approve/ reject any Transaction or payment request of the Customer at any time, without providing any reason for the same.
5.3    The Customer hereby agrees that the Bank may, at its sole discretion, impose limits and/or restrictions on and/or prescribe the types of services, types of Transactions, modes of payment, permitted Merchants, permitted Merchant establishments, value of Transactions, minimum number of Transactions, number of transactions that can be undertaken using Offline Mode, geography/ locations in which the ORP App can be accessed and Transactions can be undertaken, etc. 
5.4    The Bank may also advise the availability/non-availability of any particular service/ Transaction/mode of payment/ Merchant, from time to time.
5.5    Without prejudice to any other terms and conditions, restrictions or limitations prescribed by the Bank, the following terms will apply in respect of undertaking any Transaction on the ORP App:
(a)    The Customer can do a top-up of a maximum of INR 2000 in the wallet.
(b)    The Customer can add money via UPI, Net Banking, Debit card, Credit Card. 
(c)    For any transaction undertaken in the Offline Mode transaction amount cannot exceed INR 200.
(d)    At a time, the Customer can undertake a maximum of five consecutive transactions using the Offline Mode.
(e)    Such other terms and conditions as may be prescribed by the Bank from time to time. 
5.6    The Customer understands that any changes/ updates in the Terms and Conditions and Schedule of Charges applicable to the Wallet/ Transactions would be updated on the Bank’s website at www.hdfcbank.com, from time to time and the Customer hereby agrees and undertakes that the Customer shall keep itself updated about any such changes/ updates to these Terms and Conditions and Schedule of Charges governing the Wallet/ Transactions.
5.7    The Customer hereby agrees that the Wallet is only being made available to the Customer for a limited period of the Pilot Project and that the Bank shall decide the periodicity of the Wallet at its sole discretion and the Bank has the full right to, at its sole discretion, suspend and/or discontinue the access of the Customer of the Wallet once the period of the Pilot Project expires, without a need for any permission from or notice to the Customer (“Expiration of the Wallet”). 
5.8    The Wallet shall also be governed by the terms and conditions specified in Schedule 1 hereto.

6.    CUSTOMER CONSENT 
6.1    The Customer hereby expressly agrees and consents to the Bank (and its representatives and service provides) for processing, sharing and/or displaying Customer’s personal data and/or sensitive personal data or information including but not limited to name, phone number, age, gender, address, etc. transaction data including Merchant details, number of transactions undertaken, value of the transactions, app usage details, location details, device details, time of transactions etc. account number (in masked form or otherwise), name, type of account, account balance, transaction details, wallet balance, etc. (“Customer Information”)
6.2     The Customer hereby consents to and authorizes the Bank to use the Customer Information for undertaking behavioural projections, profiling, obtaining analytical results, reports, on its own or through third parties, including through any algorithms, analytics, software, automations, anonymisation, coding, profiling etc., and whether such derivative is from the information collected from you or in combination with any other information sourced from any other person, database or source (our own or of third parties) whether sourced internally or externally (“Derivative Data”). 
6.3    The Customer hereby agrees that the Bank may also publish such Derivative Data on its website/ platforms, etc. 
6.4    The Customer hereby agrees that the Bank may engage third party vendors, service providers, sub-contractors, partners, etc. (“Vendors”) for providing the ORP App application and/or any functionality thereunder including collection of application, sourcing, lead generation, market analysis, customer service, app development, technical integration, functionality development, maintenance, processing of Derivate Data etc. 
6.5    The Customer hereby consents to and authorizes the sharing and receiving of the Customer Information and/or Derivative Data of the Customer with such Vendors, the RBI and/or third parties, from time to time.  
6.6    The Customers hereby irrevocably consents to and authorizes the Bank to disclose, exchange, share or part with any Customer Information and Derivative Data inter alia payment history information to and between its the branches, subsidiaries, affiliates, representatives, auditors, sub-contractors, service providers, other banks/ financial institution, credit bureaus, regulators and governmental authorities as may be deemed necessary by the Bank and neither the Bank nor the abovementioned entities shall be liable for the use of such information.

7.    SECURITY MEASURES  
7.1    The Customer hereby unconditionally and irrevocably understands and agrees that he must: 
a) use the Wallet securely, including but not limited to keeping his Authentication Credentials confidential and keep the passwords to his Device on which the ORP App and Wallet resides fully and strictly confidential and shall under no circumstance reveal any of the password(s) to any other person; 
b) commit the password to memory and not record any of them in a written or electronic form; 
c) not let any unauthorized person have access to his Device or leave his Device unattended;
d) put in place a passcode or password or PIN or a security key of similar nature to lock/ restrict access to his Device and secure it from any unauthorized access and not share such passcode/ password/ PIN/ security key with any other person; 
e) not remove the restrictions that may be imposed by the device provider on the Device; 
f) take adequate precautions from any ransomware, malware, virus or any other security threat from entering the Device, including installing adequate anti-virus protection.    
7.2    The Customer hereby agrees and accepts that he shall at all times be solely responsible for the protection and safekeep of his Device, security details and Authentication Credentials as mentioned hereinabove and hereby fully agrees that the Bank shall in no manner be liable for any direct or indirect or consequential or other loss occurring on out of any action or omission because of compromise of the same. The Customer agrees that the Bank assumes no liability whatsoever in case of any event of such compromise of the Customer’s Device and/or SIM card linked to the Bank Registered Mobile Number or occurrence of a Security Breach and the Bank shall not be held responsible for any such event or Security Breach. 
7.3    The Customer also agrees and accepts that any person having access to any such email/phone number/Authentication Credentials/ Bank Registered Mobile Number and/or Device shall be deemed to be duly authorised by the Customer and acting for and on behalf of the Customer, with the authority and intention to bind the Customer irrevocably with any actions pursuant thereto including the acceptance of these Terms and Conditions, vis-à-vis the Bank.

8.    RISKS 
The Customer hereby acknowledges that he is accessing the ORP App at his own risk and the Customer shall not hold the Bank responsible or liable for any of the risks. Apart from the risks mentioned above, these risks would include but not be limited to the following: 
8.1    Risk in relation to Transactions in Offline Mode:
The Customer acknowledges that the Offline Mode may be subject to certain settlement risks such as settlement lag, failed settlement, unavailability of funds at the time of settlement when the Customer, Merchant or other user gains access to mobile network or internet etc. The Customer hereby agrees that the Customer shall be solely liable for ensuring that the Customer’s account is duly funded to ensure the fulfilment of the Transaction and the Bank shall not be liable in any manner for any losses or for any disputes that the Merchant or Customer may face because of such settlement lag, failed settlement or unavailability of funds or any other such settlement risk.
8.2    Testing in Pilot Project:
The Customer hereby understands and acknowledges that the access to the ORP App and the Transactions are enabled in a testing environment and the Customer acknowledges that there may be failures, time lags, discrepancies in the account details, wallet balance, Transactions, working of the app, functionalities therein etc. and the Customer acknowledges that the Customer has been informed of these risks at the time of signing up for the ORP App and by signing up for the ORP App the Customer represents to the Bank that it has understood these risks and their implications. The Customer hereby further acknowledges that the Bank shall not be responsible for any losses, failures, time lags, etc. during the pilot run of the ORP App.     
8.3    Misuse of Password: 
The Customer acknowledges that in case of a Security Breach or if any third person obtains access to the Customer's Device or SIM card linked to the Bank Registered Mobile Number, such third party may be in a position to access Customer Information including account related information of the Customer, which may be confidential in nature such as Wallet balance, summary of Transactions, etc. of the Customer. The Customer shall at all times ensure that the Terms and Conditions applicable to the use of the password and security of SIM card and the Device of the Customer are strictly complied with at all times.  
8.4    Internet Frauds: 
The internet per se is susceptible to a number of frauds, misuse, hacking, phishing and other actions which could threaten the security of the information available to the Customer while accessing the ORP App and undertaking the transactions thereon. While the Bank shall aim to provide security to prevent the same, it cannot guarantee any safeguard from such internet frauds, hacking, phishing and other actions which could affect any instruction(s) given to the Bank while accessing the ORP App and undertaking the transactions thereon. The Customer has evolved/ evaluated all risks arising out of the same. 
8.5    Mistakes and Errors: 
For accessing the ORP App and undertaking the transactions thereon, the Bank would require proper, accurate and complete details to be provided to the Bank in the form and manner prescribed by the Bank. For instance, the Customer is aware that he would be required to fill in the requisite details of the account with regard to which he seeks to obtain the account balance. In the event of any inaccuracy in this regard, the Customer acknowledges that the Customer may be sent responses or shown information which may not be applicable to him or may not be sent a satisfactory response, and the Customer agrees that in such a scenario the Bank shall not be liable for any loss to the Customer in this regard. The Customer shall therefore take all care to ensure that there are no mistakes and errors and that the message sent/ request made/ query asked by the Customer to the Bank in this regard is error free, accurate, proper and complete at all points of time. The Customer agrees that the Bank is providing the ORP App at the Customer’s sole risk. The Customer agrees that the Bank shall not be liable for any loss, damages or consequences whatsoever arising due to any erroneous or incomplete information or any delay in executing the instructions for reasons beyond the control of the Bank. The Customer shall be liable and responsible to Bank and accede to accept the Bank's instructions without questions for any unfair or unjust gain obtained by him in the course of availing of the ORP App. 
8.6    Technology Risks: 
The technology for enabling the ORP App offered by the Bank could be affected by ransomware, virus or other malicious, destructive or corrupting code, programme or macro or any other security threat. It may also be possible that the site of the Bank may require maintenance and during such time it may not be possible to process the request of the Customers. This could result in delays in the processing of instructions or failure in the processing of instructions and other such failures and inability.  The Customer understands that the Bank disclaims all and any liability, whether direct or indirect, whether arising out of loss of profit or otherwise arising out of any failure or inability by the Bank to honour any Customer instruction for whatsoever reason.
8.7    The Customer unequivocally and unconditionally understands and accepts that the Bank shall not be responsible for any of the aforesaid risks. The Customer also accepts that the Bank hereby disclaims all liability in respect of the said risks. 

9.    SUSPENSION OF ACCESS
9.1    The Customer hereby agrees that the continued access of the Customer of the ORP App shall be subject to the Bank’s eligibility criteria, internal checks and parameters and internal processes and policies as prescribed by it from time to time. 
9.2    The Bank shall also be entitled to withdraw/ discontinue/ suspend/ terminate/ disallow the use of the ORP App and/or any functionality thereunder at any time, at its sole and absolute discretion without need for any permission from or notice to the Customer.

10.    STATEMENTS AND RECORDS
10.1    All records maintained by the Bank, whether in electronic or documentary form, in respect of the ORP Application and the Transactions undertaken thereon, shall as against the Customer, be deemed to be conclusive evidence.
10.2    The Bank shall not be liable to provide copies of the Transaction records in the form of physical statements to any Customer with respect to any Transaction and the Customer will only receive transactional alerts through short message service message on the mobile number registered by the Customer with the Bank.

11.    INDEMNITY
11.1    In consideration of the Bank providing the Customer with access to the ORP App, the Customer hereby agrees to indemnify and keep the Bank and its officers, directors, employees, shareholders, agents, consultants and other representatives indemnified from and against all actions, claims, suits, demands, proceedings, losses, damages, personal injury, costs, charges and expenses of any nature whatsoever which the Bank and its officers, directors, employees, shareholders, agents, consultants and other representatives may, at any time, incur, sustain, suffer or be put to incur, sustain or suffer, as a consequence of, or by reason of or arising out of: (a) provision of the ORP App by the Bank to the Customer; (b) the negligence, mistake or misconduct of any Customer; (c) breach or non-compliance by the Customer of the these Terms and Conditions or any applicable law relating to the ORP App; (d) any claim made or proceeding commenced by any third party against the Bank, in relation to or in connection with the usage of the ORP App and/or any transaction thereon; (e) fraud or dishonesty relating to any transaction by the Customer; and/or (f) failure of the Customer to make available sufficient funds at the time of settlement of the Transaction. 

12.    EXCLUSION FROM LIABILITY
12.1    The Customer understands and acknowledges that since the ORP App is being released as part of the Pilot Project of the Bank, there may be restrictions on the payments made by the Customer, value of Transactions, modes of undertaking the Transactions, types of Merchant establishments where the Transactions can be undertaken, geography/ locations in which the ORP App can be accessed and Transactions can be undertaken, etc. and the Bank shall not be responsible or liable for any losses that the Customer may face as a result of such restrictions or limitations.
12.2    Without prejudice to any other provisions of these Terms and Conditions, the Bank shall not be liable to the Customer for any loss or damage whatsoever or however caused or arising (including to any joint account holders and/or any third parties), whether directly or indirectly, in connection with the ORP App and/or these Terms and Conditions, including any loss or damage arising from: (a) any Security Breach; (b) any defect or issues in respect of any Merchant; (c) the refusal of any person to honour any Transaction; and/or (d) any interruption or stoppage in the Customer's access to and/ or the use of the ORP App.  

13.    CHARGES
13.1    The Bank may provide such discounts and offers as it deems fit, from time to time, in relation to the charges applicable for undertaking the transactions through the ORP App, which may be subject to such terms and conditions as the Bank may stipulate from time to time.
13.2    Any government charges, duty, debits or tax payable as a result of using the prepaid instrument and undertaking transactions on the ORP App shall be borne solely by the Customer and if the same is imposed upon the Bank (either directly or indirectly), the Customer agrees and acknowledges that the Bank shall be entitled to debit such charges, duty, debits or tax from the Customer’s Wallet. 
13.3    The Bank shall be entitled to levy appropriate service and other charges for use of the ORP App and undertaking the Transactions, which charges shall be notified, from time to time, to the Customer by the Bank. The Customer hereby authorizes the Bank to recover all such charges by debiting the available balance in the Wallet. In the event that the available Wallet balance is not sufficient to deduct any of the aforementioned fee and/ or charges, the Bank reserves the right to recover the same from the relevant Customer and to deny any further Transaction using the Wallet. 

14.    CUSTOMER GRIEVANCES
14.1    The Customer shall immediately inform the Bank, by contacting the Customer Care email address as mentioned in the app, if any irregularities or discrepancies exist in such Transaction or if such Customer has any query or compliant in relation to the Transaction. 
14.2    In case of loss or theft of the Device, linked cards, or authentication data or if any fraud or abuse is detected, the Customer shall immediately inform the Bank by contacting the Customer Care email address and following the procedure as mentioned in the T&C.
14.3    In order to be enable the Bank to investigate and respond to any complains/ query raised by the Customer in terms of these Terms and Conditions, the Customer shall be required to provide the Bank with all such information and documents as may be required by the Bank in this regard.
14.4    Please note that the Bank does not ask its customers for any confidential information, and therefore Customer/s must not share any information of a confidential nature including, but not limited to passwords, user-ID’s, etc., to any person who asks for the same.
14.5    For full details regarding our complaints procedure, please refer to the FAQ section in the app or contact Customer Care email address.

15.    GOVERNING LAW AND JURISDICTION
15.1    The construction and validity of these Terms and Conditions shall be governed in all respects by the laws of India. The Bank and the Customer agree that any legal action or proceeding arising out of these Terms and Conditions shall be brought before the courts or tribunals at Mumbai and irrevocably submit themselves to the jurisdiction of that court or tribunal. The Bank may, however, in its absolute discretion, choose to commence any legal action or proceedings arising out of these Terms and Conditions in any other court, tribunal or other appropriate forum and the Customer hereby consents to such jurisdiction and waives any objection it may have now or in the future to the laying of the venue of any such legal action or proceedings and any claim that any such legal action or proceedings have been brought in an inconvenient forum. 

16.    NOTIFICATION OF CHANGES
16.1    The Bank shall have the absolute discretion to, at any point of time, (a) amend or supplement any of these Terms and Conditions; and/ or (b) change any feature and/ or benefit offered on the ORP App including, without limitation, changes which affect charges or rates and/ or method of calculation of charges with respect to the Transactions. The Bank shall communicate the amended Terms and Conditions, the changes made to the features of the ORP App and functionalities thereunder, and the revised interest, charges and rates with respect to thereto, by hosting the same in app T&C or any other manner as may be decided by the Bank, from time to time. The Customer shall be responsible for regularly reviewing the current Terms and Conditions, including any amendments thereto as may be posted in the App T&C and shall be deemed to have accepted the amended Terms and Conditions by continuing to use the ORP App.

17.    SET-OFF AND LIEN 
17.1    Notwithstanding anything to the contrary contained in these Terms and Conditions or any other document/ arrangement: (a) in respect of all and any of the Customer’s present and future liabilities to the Bank, whether under this document or under any other obligation/ loan/ facilities/ borrowings/ document, whether such liabilities are/ be crystallised, actual or contingent, primary or collateral or several or jointly with others, whether as principal debtor and/ or as guarantor and/ or otherwise howsoever (collectively “Liabilities”), the Bank shall in addition to any general lien or similar right to which it as a banker may be entitled by applicable law, practice, custom or otherwise, have a specific and special lien on all the Customer’s present and future stocks, shares, securities, property, book debts, all moneys in all accounts whether current, savings, overdraft, fixed or other deposits, held with or in custody, legal or constructive, with the Bank, now or in future, whether in same or different capacity of the Customer and whether severally or jointly with others, whether for any banking relationship, safe custody, collection, or otherwise, and (b) separately, the Bank shall have an express right to, without notice to and without consent of the Customer, set-off, transfer, sell, realise, adjust, appropriate all such amounts in all accounts (whether prematurely or upon maturity as per the Bank’s discretion), securities, amounts and property as aforesaid (whether earmarked for any particular Liability or not) for the purpose of realising or against any of dues in respect of any of the Liabilities and to combine or consolidate all or any of accounts of the Customer  and to set-off any monies, whether of same type or nature or not and whether held in same capacity or not including upon any default in payment of any part of any of the Liabilities when due in terms of such documents. 

18.    The Customer agrees and confirms that the Bank may, for provision of the ORP App, Wallet and/or the Offline Mode functionality utilise such third party subcontractor(s)/ service providers as it may deem fit. 

​​​​​​​19.    DECLARATION
19.1    The Customer hereby irrevocably and unconditionally declares, confirms and agrees as under:
19.2    The Customer has carefully read the Terms and Conditions and Schedule of Charges as applicable to the ORP App, Wallet and the Transactions and the Customer hereby agrees, undertakes and accepts the same. the Customer hereby confirms that the form for the Application to the Bank has been filled by the Customer. 
19.3    The Customer hereby represent that all the particulars and information provided in the Application (including all documents referred or provided therewith) are true, correct, complete and up-to-date in all respects, and the Customer has not withheld any information. The Customer shall inform the Bank immediately regarding any change in any of the information provided by the Customer in the Application. The Customer agrees and undertakes to provide all such further information that the Bank may require, from time to time.
19.4    The Customer understands that the Bank reserves the unqualified right to reject the Customer’s Application without providing any reason. The Customer agrees and understands that the Bank reserves the right to retain the Application and all documents provided therewith. The Customer is aware that the submission of the completed Application, this declaration and all other documents/ information that the Bank may require, does not result in automatic or deemed approval by the Bank for provision of the ORP App, the provision of which shall be at the sole discretion of the Bank. The Customer shall not hold the Bank liable for any loss, damage or delay caused to the Customer due to the Bank rejecting its Application. The Bank's decision in this regard shall be final.
19.5    The Customer hereby authorizes the Bank or its agents to make all references and enquiries which the Bank may consider necessary in respect of or in relation to any information provided in the Application, and the Customer agrees and undertakes to provide full co-operation in this regard.
19.6    The Customer authorizes the Bank to exchange, share or part with all the information, data or documents relating to the Customer’s Application, with other its group companies, other banks, financial institutions, credit bureaus, agencies, regulator, governmental authorities or such other persons as the Bank may deem necessary or appropriate, for processing of the said information/ data by such persons or otherwise for any other use/ purpose, and the Customer shall not hold the Bank liable for the use/ sharing of such information by either the Bank or such third parties.
19.7    The Customer authorizes the Bank unconditionally and irrevocably to debit any and all amounts as may become payable by the Customer in respect of the Transactions/ Wallet as per the Terms and Conditions and Schedule of Charges from the Wallet’s balance.