Terms & Conditions

1. I understand and accept that HDFC Bank Ltd., (“Bank”) maintains the HDFC Bank OnChat page available on Facebook (hereinafter referred to as “OnChat”)   to allow Techbins Solutions Pvt. Ltd (“Techbins”) to provide the users of the OnChat various services including mobile recharge, bill payments, cab booking, food ordering, laundry, bus booking, and such other services as may be notified by the Bank from time to time. I understand that OnChat is not hosted on the server of the Bank. I also accept that users of OnChat are required to read the below terms, and use of the OnChat constitutes my acceptance and agreement to be bound by such terms, and the changes therein to the Terms and Conditions from time to time, relating to my usage of OnChat as made available by the Bank.
2. I understand and acknowledge the Bank shall not be liable to me in any manner whatsoever, for the services being availed by me from Techbins or for any chats, discussions, etc.
3. I agree that I shall not copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the OnChat, except that which I may download for my own personal, non-commercial use.
4. I agree that I will not use OnChat for any purpose that is unlawful, or prohibited by these Terms and Conditions. I also agree I will not use OnChat in any manner that could damage, disable or impair the platform or interfere with any other party's use or enjoyment of OnChat.
5. I acknowledge that the permission given by the Bank to access OnChat will not convey any proprietary or ownership rights in the above software / hardware. I agree that I shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software / hardware underlying the bank website or create any derivative product based on the software / hardware.
6. I am aware that the Bank proposes to use "cookies" (Cookies are small data files that a website stores on my computer.) for storing user preferences, profiling users and tracking user behaviour on OnChat. By visiting OnChat, I acknowledge, accept and expressly authorize the Bank for the placement of cookies on my computer/mobile device.
7. I understand and accept that the Bank is not responsible for the availability of content or other services on OnChat. I am aware that my access of hyperlinks to other internet sites are at my own risk and the content, accuracy, opinions expressed, and other links provided by these sites are not verified, monitored or endorsed by the Bank in any way. The Bank does not make any warranties, and expressly disclaims all warranties express or implied, including without limitation, those of merchantability and fitness for a particular purpose, title or non-infringement with respect to any information or services or products that are available or advertised or sold through OnChat.
8.  I understand that in the event there I have any queries or complaints relating to the processing and settlement of any transaction or any other transactions which may be effected through the OnChat, I shall contact Techbins in relation to the same and it shall be the responsibility of Techbins to meet and resolve such queries and complaints and do all such acts, deeds and things, as may reasonably be required in this regard. I agree and understand that since the services are being provided by Techbins, the Bank shall not be liable to me in any manner whatsoever.
9. I understand and accept the Bank has the absolute discretion to amend or supplement any of the Terms and Conditions at any time, and the Bank is not obligated to notify me in any manner whatsoever, and it is my obligation to keep myself updated with regard to the latest Terms and Conditions. The amended Terms and Conditions shall be available on OnChat. By using the services, I shall be deemed to have accepted the amended Terms and Conditions.
10. I understand and acknowledge that the internet per se is susceptible to a number of frauds, misuse, hacking and other actions which could affect my systems. The Bank cannot guarantee or assure or certify any security against such internet frauds, hacking and other actions which could affect my systems. I understand and acknowledge that I will be availing the services at my own risk, value and assessment. The Bank shall not be responsible for breach of security, fraud, data loss, data pilferage, data security compromises, or any mechanical or security failures, in any manner whatsoever.
11. I understand and acknowledge that the Bank has merely made the OnChat available to Techbins to extend their services or products to their proposed customers, on no recourse to the Bank basis, and all goods purchased and/or services  availed through this platform/medium would be through Techbins, and not through the Bank. I acknowledge that it shall be my exclusive discretion to interact or not on OnChat with Techbins or Niki.AI, or through OnChat and the Bank shall not be deemed to have induced or invited me to avail of or buy any products or services or chat on OnChat. None of the Techbins or Niki.AI is acting in any agency or any other capacity of or for or on behalf of the Bank. Techbins or Niki.AI is acting in its independent capacity and does not represent the Bank in any manner. The Bank has not authorised Techbins or Niki.AI or any other person to many any representation on behalf of the Bank. In case I have any queries/complaints with regard to the services being provided, I shall contact Techbins directly. The Bank shall not be responsible or liable in any manner whatsoever, for the services/products being availed by me on this platform or for any discussions or chats that I have on this platform.
12. I acknowledge that the Bank shall not be responsible or liable in any manner whatsoever for any illegal, anti-social, objectionable, speculative, immoral activities or purposes, on account or violation of/or intrusion of privacy, misuse of any user information including name, age, sex, address, whereabouts, interests, etc., and Techbins shall solely bear the entire responsibility and liability including civil, criminal, torts, or otherwise, in this regard.
13. I acknowledge that the entire liability and responsibility for and towards the me in relation to any transactions or attempted transactions or any failures, delivery, logistics, service, warranty related issues, defects, user queries, customer complaints thereof, or any chat, discussion, payment, settlement, etc., shall be solely and absolutely that of Techbins and the Bank shall not be responsible or liable in any manner whatsoever.
14. I accept that the Courts in Mumbai alone shall have exclusive jurisdiction as regards any claims or matters arising out of dealings with the Bank and all disputes will be governed by the laws of India.
15. I understand and agree that these Terms and Conditions are in addition to, and not in derogation of, the applicable Terms and Conditions relating to my usage of any other Bank services that I may be currently availing or may in the future avail.