RBL Bank Limited (the "Bank/RBL Bank") owns and maintains the website www.rblbank.com ("Website") and offers the Registered User (as defined herein) access to and use of the Website and the opportunity to avail of the Facilities subject to the Terms and Conditions mentioned herein. These Terms and Conditions (the "Terms and Conditions") are effective as on the date of registration on the Website govern the terms under which you may access and use this Website and any of the Facilities (as defined herein).

Do not access or use the Website or Remittance Facility if you do not agree to be bound by the Terms and Conditions. By virtue of continuing to access and use the Website and/or Remittance Facility, you are agreeing to the Terms and Conditions in effect at such time. The Terms and Conditions may be updated, amended, or modified by RBL Bank from time to time by posting the updated, amended or modified Terms and Conditions on this Website. If any of the Terms and Conditions is not acceptable to you or you disagree with any material on the Website, unless otherwise stated herein, your sole and exclusive remedy is to discontinue using the Website and the Remittance Facility offered by the Bank through this Website.

These Terms and Conditions are in addition and shall be read in conjunction with the Most Important Terms & Conditions as listed on the Website for LRS.

OVERVIEW OF REMITTANCE FACILITY ("Remittance Facility")

The Remittance Facility (as defined below) made available by RBL Bank on the Website and further described below provide a Registered User with a technology platform to place request for Remittance Facility and track the status through the Website. In order to avail of the Facilities described above, the Registered User should make the transfer of funds from the Registered User's own resident individual account maintained with his/her bank in India. Remittance Facility requests can only be made by the Registered User for the purposes permitted by the Bank.

ELIGIBLE USER ("REGISTERED USER")

In order to access and use the Website and avail of the Remittance Facility, the Registered User must be a resident individual of at least 18 years of age having the capacity to enter into legally binding contracts under the law applicable to the Registered User. The Registered User must be a resident individual holding a bank account with any bank in India, must hold a PAN card and Aadhaar card. Residents of India (collectively, "Residents") shall access, use and avail of the Website and the Remittance Facilities only to the extent the domestic laws of India and such countries permit them to access, use and avail of the Website and the Facilities. All non-residents understand that by accessing, using, and availing of the Website and the Facilities, they may be violating the local laws in India and/or such other countries and You agree that you will be solely and absolutely liable for any liability incurred by you in this regard and you will indemnify RBL Bank against any liability incurred by RBL Bank in this regard.
Registered User

REMITTANCE FACILITY:

he Registered User understands that submission of request does not necessarily imply processing of the transaction. RBL Bank has full rights to reject the transaction based on regulatory and internal guidelines. The limit submitted is correct and has not been exhausted in the current Financial Year for any of the accounts held individually or collectively with any bank. The Registered User understands that on submitting the request if the transaction reference number is not displayed then the user should check if the email or SMS confirmation is received by him/her for successful submission of the request. The Registered User agrees to adhere to the turnaround time and cut off timings for raising the request. Funding the account for remittance to be processed as per informed timelines on the Website. The above cut off timing is applicable on working days. (Presently Monday to Friday excluding Bank Holidays in India and the country of remittance). The Registered User confirms that he/she is not a foreign national. Further, this facility is only for Telegraphic Transfer/Wire transfer. The Registered User agrees and acknowledges that RBL Bank is not liable in case the funds are not credited or credited with the delay for any reason at beneficiary bank/intermediary bank's end. The exchange rate applicable to the remittance request will be applicable only if the designated account of RBL Bank is funded by the Registered User within the specified timelines as detailed on the Website. RBL Bank will process the transaction request only if the funds are transferred from a self-resident Savings Account in case the funds are transferred from a joint account, the Registered User must be the primary account holder and does not require any permission from the joint account holder. If the funds are received from an account where the Registered User is not primary account holder and the name does not appear in the fund transfer details received from his/her bank, RBL Bank would reject such transaction and return the funds.

CONSENT

The Registered User hereby gives consent to RBL Bank Limited ("the Bank/RBL Bank") to fetch his/her personal details from Unique Identification Authority of India (UIDAI), using OTP E-KYC authentication, which will be used for KYC purposes by the Bank like for capturing Registered User's name, DOB, gender, address, photograph, and contact number. The Registered User hereby agrees to provide his/her valid Aadhaar number and valid PAN Card details and further confirms that he/she has not used the OTP based Aadhaar (E-KYC) verification for creating unique Registered User ID.

The Registered User hereby submits his/her Aadhaar number with the Bank and consents to obtain and/or use his/her Aadhaar number, Name and/or Biometrics to authenticate his/her details with UIDAI for demographic authentication, validation, e-KYC purpose, OTP authentication for online outward remittance under LRS facility. The Registered User will not hold RBL Bank or any of its officials responsible in case any incorrect information is provided by him/her. RBL Bank does not take any responsibility and will also not be liable for any claims if the details provided by the Registered User are incorrect/incomplete. The Bank will not be held liable or responsible for any error in the Aadhaar number provided at the time of creating unique Registered User ID.

PERMISSIBLE OUTWARD REMITTANCE PAYMENTS

The Registered User agrees that it will only request a remittance payment that complies with the Terms and Conditions and the applicable laws of India and applicable law in the relevant country of the beneficiary. The Registered User may use the Remittance Facility to send remittance payments on its own behalf. The Registered User may not resell the Registered User account access or use the Remittance Facility to make remittance payments on behalf of, or as agent for, another person. The Registered User undertakes that the bank account, details provided to the Bank, pertain to his/her own Resident Savings Bank Account, and the funds being remitted are his/her own funds and such funds and are not originating from an NRO (Non-Resident Ordinary) account. The Registered User agrees that it will not request a remittance payment that would result in a violation of the laws or regulations of India and/or applicable law in the country of the beneficiary.

FEES AND CHARGES

RBL Bank may set its own fees and charges for the Remittance Facility and may revise the same at any time. The Bank shall give prior notice of 30 days for implementing such changes in fees and charges. Nothing contained on the Website constitutes an offer, promise or commitment to grant or provide any facility. While RBL Bank endeavours to post accurate and updated information on the Website, the Registered User must verify the same before taking any action or entering into any transaction.

RBL Bank does not control and is not responsible in any manner for any fees or charges, if any, that may be imposed by any banks involved in the international wire transfer, including but not limited to correspondent or beneficiary bank such financial institution(s) or any other third parties in connection with the wire transfer.

Registered Users acknowledge and understand that RBL Bank may make monetary gains when funds as remitted by a Registered User are converted by RBL Bank to a foreign currency. RBL Bank shall carry out the conversion of Indian Rupees to foreign currency and will apply the foreign exchange conversion rates prevailing on the day of conversion, subject to availability of exchange rate. The Registered User agrees that the prevailing exchange rate at the time of submitting the transaction will be applicable for processing the request.

Neither the Registered User nor the Beneficiary/ recipient will be entitled to any interest for the period during which the funds to be remitted are with RBL Bank, are in the course of remittance, or for any other period.

RBL Bank shall, under the Remittance Facility, convert the funds received from the Registered User into the relevant currency of the beneficiary as instructed by the Register User. The Registered User should pay the total remittance amount including any charges and taxes as may be applicable, as per the instructions stated on the Website by an acceptable mode described on the Website. The funds will be remitted from India only after matching the name of the Registered User against the sender's name as mentioned in the electronic fund transfer message received by the Bank. Thereafter, after deducting the appropriate charges/fees as may be applicable at the time of remittance, the money will be remitted to the Beneficiary bank account in the Relevant Country as designated by the Registered User. RBL Bank will process the request only upon receipt of clear funds from the Registered User's account and a SWIFT message will be sent to the correspondent bank. RBL Bank will provide confirmation on processing the transaction, which shall mean that the Bank has sent the SWIFT message to the correspondent bank. RBL Bank will not be able to confirm whether the beneficiary account has been credited, however, if the funds are returned, then status will be updated accordingly, and the funds will refund to the same account from which funds were received after deducting applicable charges. RBL Bank will process the remittance request only if the funds are received in the designated account of RBL Bank within the Validity Period as mentioned on submitting the transaction along with the transaction's unique reference number. In the event, the funds are received after the Validity Period RBL Bank reserves the right to cancel the transaction as per its sole discretion. Validity Period for the purpose of this clause shall mean the period up to which the confirmed rate for the conversion of funds will be valid. On expiry of the rate validity period, RBL Bank reserves the right to either process the transaction as per rate applicable then on receiving the funds or may reject the transaction and return the funds to the remitting account. While it shall be RBL Bank's endeavour to adhere to the time schedule indicated by it on the Website, RBL Bank hereby disclaims liability or responsibility for any changes in the time schedule for execution of the Registered User's instructions or remittance or credit of funds for any reason, except as otherwise required by applicable law or regulation and as described to the Registered User on the Website and in communications provided by RBL Bank to the Registered User. RBL Bank shall in no way be held responsible and/or be liable for any queries, errors, disputes or delays in messaging, money transmission, currency conversion, conversion rates offered, payment to the beneficiaries of the remittances or any other query, claim or dispute. RBL Bank will, however, use reasonable efforts to assist the Registered User in contacting RBL Bank or any third party to facilitate resolution of such queries, claims and disputes.

USE OF INFORMATION

By agreeing to the Terms and Conditions, the Registered User consents to RBL Banks Privacy Policy, a copy of which may be found on the Website. The Registered user undertakes and authorizes RBL Bank, to exchange, share or part with all the information, data or documents relating to his/her application to other / banks / financial institutions / credit bureaus / agencies / statutory bodies /tax authorities /central information bureaus/ dispute resolution institutions / platforms/ such other persons as RBL Bank / its group companies may deem necessary or appropriate as may be required for use or processing of the said information / data by such person/s or furnishing of the processed information / data / products thereof to other banks / financial institutions / credit providers / users registered with such persons and shall not hold RBL Bank and/ or its group companies liable for use of this information. I/ We hereby irrevocably authorize RBL Bank to extract my/our call records or related information as may have been disclosed by me/ us with/ to any third-party service providers in relation to services and Facilities offered to me/us by such third-party service providers on account of my/ our existing banking relationship with RBL Bank.

From time to time, it will be necessary for the Registered User to supply RBL Bank with data in connection with the opening or continuation of accounts or the provision of services and Facilities. Failure to supply such data may result in RBL Bank being unable to provide any of the above services or Facilities.

Data may be transferred overseas pursuant to the provisions of this clause. The information disclosed pursuant to this clause may be subject to further disclosure by the recipient to other parties in accordance with the laws of the country in which the recipient is located. Such laws may be wider in scope and implemented under less restrictive terms than would otherwise be the case in India due to the difference in applicable laws and regulations.

INDEMNITY

Each Registered User agrees to defend, indemnify and hold RBL Bank, and Service Providers and each of their respective affiliates, directors, officers and employees, harmless from any and all claims, liabilities, damages, costs, expenses and proceedings, including reasonable attorneys' fees, arising in any way from the Registered User's use of the Website, whether in India or any other jurisdiction, the inaccuracy or incompleteness of registration information, or the placement or transmission of any message, information, software or other materials through the Website by the Registered User or users of the Registered User's ID and password or related to any violation of the Terms and Conditions by the Registered User or users of the Registered User's ID and password, and any claims dispute or differences between the Registered User and any supplier of services that are part of the Facilities.

The Registered User hereby agrees unconditionally to indemnify RBL Bank and hold RBL Bank harmless against any liability, costs, damages, claims, suits, and proceedings based upon or relating to such untrue/false/misleading information.

SUSPENSION OR TERMINATION OF ACCESS

The Registered User acknowledges and agrees that RBL Bank may, without notice, suspend or terminate the Registered User's ID, Password or account or deny the Registered User access to all or part of the Website if the Registered User engages in any conduct or activity that RBL Bank, in its sole discretion, believes violates any of the Terms and Conditions, violates the rights of RBL Bank, or is otherwise inappropriate for continued access, or if RBL Bank learns of the Registered User's death, bankruptcy or lack of legal capacity or of circumstances that impact the Registered User's creditworthiness or for any other reason which RBL Bank thinks fit and proper.

Until suspension or termination of the Registered User's ID takes effect, the Registered User will remain responsible for any transactions entered into using the Registered User's ID and all obligations incurred thereby or otherwise by the Registered User.

USE OF WEBSITE & REMITTANCE FACILITY

Every person who is desirous of availing the Remittance Facility is required to register on the Website as a Registered User. Subject to the other Terms and Conditions, upon registration as a Registered User the Website will register the relevant Registered User ID and Registered User Password. The Registered User hereby agrees that he shall not get registered more than once on the Website for availing the Remittance Facility.

The Registered User agrees to provide true, accurate, current, and complete information, as prompted by the registration form (for self or Beneficiary) on the Website, and to update this information to keep it true, accurate, current, and complete at all times. If, in the judgment of or to the knowledge of RBL Bank, any information provided by the Registered User is untrue, inaccurate, not current, or incomplete, RBL Bank retains the right to terminate the Registered User's registration and refuse the Registered User access to or use of the Website or any Facilities, including the cancellation of pending transactions. RBL Bank reserves the right to request the Registered User, at any time and from time to time, for additional information and/or proof of authenticity of any information; the Registered Users continued access to the Website and the Facilities, including the completion of any ongoing transaction, may be subject to the receipt by RBL Bank of such additional information or proof thereof.

If the Registered User has not verified his/her registration request within 30 days from the date of submitting the registration request, then RBL Bank may reject the registration request. In such cases the Visitor is requested to re-register and instantly verify the registration request.

The Registered User will be solely and absolutely responsible for maintaining the secrecy and confidentiality of all Registered User IDs and Registered User Passwords and be fully responsible and liable for all transactions and activities that occur under the Registered Users ID and using the Registered User's Password, including any unauthorised use or misuse of such Registered User ID and/or Registered User Password and RBL Bank shall have no obligation to verify the authenticity of any such transaction or activity. In consideration of RBL Bank agreeing to provide the Remittance Facility as per the Terms and Conditions, the Registered User hereby agrees unconditionally to indemnify RBL Bank and hold RBL Bank harmless against any liability, costs, damages, claims, suits, and proceedings based upon or relating to such unauthorized access and use. Without prejudice to the aforesaid, the Registered User agrees to log out from his or her Registered User Account at the end of each session and to immediately notify RBL Bank via email us on the Website, or through the Call Centre, or registered post AD of any suspected loss, theft, unauthorised usage of the Registered User ID or Registered Users Password, any other breach of security, or any receipt by the Registered User of confirmation of a transaction, funds or other activity which the Registered User did not authorise; or any inaccurate information in the Registered Users account balances or transaction history.

If the Registered User forgets his/her Registered User Password, RBL Bank may, subject to verification and RBL Banks satisfaction as to the Registered Users identity, allow the Registered User to reset his/her password or enable user ID as per the process detailed on the Website.

RBL Bank reserves the right to reject registration of remitter as a Registered User if RBL Bank is not satisfied with results of the Know Your Customer (KYC) and Anti Money Laundering diligence checks conducted by RBL Bank.

RBL Bank reserves the right to block or disable the Registered User for three consecutive instances where transfer request has been initiated, however, the requisite funds have not been transferred for successful completion of the transaction request.

MISCELLANEOUS

i.    Creating a unique Registered User ID and enabling online outward remittance facility is subject to correct, complete, and accurate information being provided by the Registered User to the Bank.

ii.    The Registered User needs to complete his/her full KYC i.e., Video based Registered User Identification Process (V-CIP process) as mandated by Reserve Bank of India. This can be achieved by completing the Video KYC process.

iii.    The Registered User hereby agrees that this being a limited KYC account, the Registered User ID will only be applicable for outward remittance facility under Liberalized Remittance Scheme (LRS). Any service or transactions requests will not be accepted at the Bank's branch network unless full KYC is completed by the Registered User.

iv.    The Registered User shall immediately inform the Bank in a manner as agreed by and acceptable to the Bank for any change in any KYC details and/or change in any information given by the Registered User.

v.    The processing of Outward Remittance transaction is subject to realization of the funds received from the online payment done through Payment Gateway services by the Registered User.

vi.    The Bank shall not be liable for any connectivity/signal/data issues leading to non-completion or wrong/ false/incomplete information being provided by the Registered User leading to the incompletion of his/her application for opening of Digital Saving Account.

vii.    This Registered User ID creation and outward remittance process is not available for Registered Users who are FATCA reportable. Such Registered Users are requested to approach the nearest branch and to comply with the requirement of opening of account.

viii.    The Registered User herewith agrees and consents that on rejection of this application, Bank has right to retain all documents/photographs /digital records and any other signed document submitted by the Registered User along with application.

ix.    The Registered User understands that the Bank may at its sole discretion discontinue any of the services completely or partially without any notice to the Registered User.

x.    The Registered User understand that my data is stored on secure systems within RBL Bank premises and with providers of secure information storage facilities in India. The data will be retained for a period as defined by regulatory / legal requirements the bank is subject to.

xi.    The Registered User authorizes the Bank or its agents to make reference/enquires as may be necessary and to exchange/share/part with all/any all information received from the Registered User including but not limited to Aadhaar information with credit bureaus/statutory bodies/enforcement agencies as may be deemed necessary or appropriate by the Bank.

xii.    The Registered User hereby consents to receiving information from Central KYC Registry through SMS/Email on the registered number/email address. The Registered User hereby consents to upload the required information on central KYC Registry.

xiii.    The laws of India shall govern these Terms and Conditions. The Registered User and the Bank hereby agree that any legal action or proceedings arising out of these Terms and Conditions shall be brought in the courts or tribunals at Mumbai in India and irrevocably submit themselves to the jurisdiction of such courts and tribunals. The bank may, however, in its absolute discretion, commence any legal action or proceedings arising out of these Terms and Conditions in any other court, tribunal or other appropriate forum, and the Registered User hereby consents to that jurisdiction. Any provision of these Terms and Conditions, which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of these Terms and Conditions or affect such provision in any other jurisdiction.

DISCLAIMER

The Website, all information on or available through the Website and the facilities provided by RBL Bank are made available to the Registered Users as is and without any representation or warranty of any kind, either express or implied, including without limitation, any representation or warranty for accuracy, continuity, uninterrupted access, timeliness, sequence, quality, performance, fitness for any particular purpose, completeness, title, compatibility, warranty of non-infringement, freedom from computer virus, warranties of merchantability or fitness for a particular purpose, each to the extent permissible by applicable law.

Although RBL Bank adopts security measures that it considers appropriate for the Website, it does not represent or warrant that the Website is immune from denial of service attacks, unauthorised access or other illegal subversion of these security measures that might impair the working of the Website, the availability of the Facilities or the integrity and confidentiality of Registered User's personal and login information or accounts and RBL Bank disclaims liability arising from any such acts or occurrences. Furthermore, while RBL Bank takes reasonable precautions to avoid such eventualities, the Registered User understands that communications through Internet are not always secure and agrees that RBL Bank shall not be responsible for any unauthorised or illegal interception of e-mail or other communication to or from RBL Bank.

Services are subject to the activities taken by other International Banks involved in the wire transfer. RBL Bank disclaims any responsibility for any delay or failure caused due to any action of international banks.

While RBL Bank makes every endeavour to ensure that the Remittance Facility is offered to a Registered User without interruption or delay, continued provision of the Remittance Facility may be impractical or impossible due to the failure of operational systems for reasons including but not limited to virus attacks, natural calamity, floods, fire and other natural disasters, legal restraints, faults in the telecommunication network or network failure, system maintenance, software or hardware error, labour problems, strikes or any other reason beyond the control of RBL Bank, and RBL Bank makes provides no guarantee that any instructions or transactions will definitely be communicated, processed or performed (whether or not before a particular time) using the Website or the Remittance Facility.

RBL Bank operates and offers the Website and the Remittance Facility strictly on a no-liability and no-obligation basis as regards RBL Bank, and RBL Bank shall not be liable to the Registered User or any other third party for any claim for direct, indirect, incidental, special, exemplary, punitive, consequential or other damages (including, without limitation, loss of profits, loss or corruption of data, loss of profit or goodwill, work stoppage, computer failure or malfunction, or interruption of business) whether arising under contract, tort or any other theory arising out of or in connection with the Website, the inability to access the Website or any Remittance Facility, products or services mentioned or advertised on or accessed or availed on or through the Website. The Registered Users remedies for errors or unauthorized transactions shall be limited to those arising under the applicable laws and regulations, and as described on the Website and in the communications provided by RBL Bank to the Registered User.

To the extent any of the disclaimers or limitations of liability in the Terms and Conditions are held to be unenforceable, the maximum liability of RBL Bank to the Registered User shall not exceed the amount of fees paid/payable by the Registered User to RBL Bank for the facilities availed by the Registered User through the Website.

The Registered User shall ensure that he/she shall not be in violation of any data protection laws in force at the time of registering for the Remittance Facility.