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Terms and Conditions for IBL e-Secure service

Please read the following terms of service carefully before using IndusInd e-Secure service. In this Agreement, "Issuer" refers to the financial institution that issued your credit card i.e. IndusInd Bank ; "we," "us," and "our" refer to Issuer and its suppliers of card processing and web-hosting services; and "you," "your",or "yours" refers to the Cardholder using IndusInd Bank e-Secure service.


1.

The terms and conditions set out herein are in addition to the Issuer’s General Terms and Conditions applicable for IndusInd Bank credit cards.


2.

The following words and phrases shall have the following meanings in these Terms and Conditions:


  • "Card" means international credit card issued by the Issuer in association with Visa International/American Express/ MasterCard®.
  • "Cardholder" means any person holding a valid Card issued by the Issuer and who desires to make payments to the Merchant over the Internet using the Card.
  • "ID" means the user identification provided to the Cardholder by the Issuer to enable the Cardholder to make payments through the Internet using his Card.
  • "Merchant" means any person who owns or manages or operates the merchant establishment through a physical establishment and/or a website.
  • "Password" means the passwords, digital signatures or other means of authentication as the Issuer may specify, from time to time using which the Cardholder may make payments through the Internet using the Card in a secured manner.
  • "Registration Data " means the information asked by the Issuer in order to confirm the identity of the Cardholder before proceeding for IndusInd Bank e-Secure password creation.
  • These terms and conditions form a contract between the Cardholder and the Issuer for use of IndusInd Bank e-Secure . By using the IndusInd Bank e-Secure Service, the Cardholder shall be deemed to have accepted these Terms and Conditions. The Cardholder shall apply to the Issuer online for use of IndusInd Bank e-Secure service by providing the Registration Data. The Issuer shall be entitled at its sole discretion to accept or reject such applications.

  • 3.

    The Cardholder can create his password after verification of the Registration Data provided, for the purpose of authentication of the Cardholder.


    4.

    Once the Issuer validates the Cardholders identity as part of the IndusInd Bank e-Secure registration process, the Cardholder would be permitted to create his own Password for future transactions.


    5.

    The Issuer shall validate the Card details provided by the Cardholder during the course of a transaction directly and the Merchant will not be privy to the same.


    6.

    IndusInd Bank e-Secure service shall be provided at the discretion of the Issuer, which reserves the right to add, revise, suspend in whole or in part any of the services provided by IndusInd Bank e-Secure , without any notice and it shall be binding on the Cardholder.


    7.

    The Cardholder is aware that in case of payment over the Internet using his Card, the Cardholder will not sign the charge-slips at the time of making the payment. Accordingly, the Cardholder accepts that, in the event of any dispute regarding the authenticity or validity of such a payment,for any reason whatsoever, the Cardholder's account shall be liable to be debited with the amount payable if the transaction was properly authorized by the Issuer/Visa International/ MasterCard® . The Issuer shall not be liable, in any manner whatsoever, for the same.


    8.

    If the Cardholder does not successfully register for IndusInd Bank e-Secure or if Cardholder chooses not to register for IndusInd Bank e-Secure, the Issuer and/or the Merchant may not accept the Card to pay for an e-commerce or other transaction if such Merchant’s website is IndusInd Bank e-Secure enabled.


    9.

    The Cardholder shall be solely responsible for the payments made through the Internet even in the event of the Cardholder claiming non-possession of the Card. The Cardholder shall further be solely responsible for any payments made using the Card through the Internet for travel and entertainment purposes and cannot claim the invalidity of the same.


    10.

    Any payment made on the Internet using the Cardholder's Password shall be deemed to be an instruction duly received from the Cardholder. The Cardholder's Password created by him/her, allows the Cardholder to make payments through Internet and that the Cardholder is the sole and exclusive owner of the Cardholder Password and accepts sole responsibility for use, confidentiality and protection of the Password, as well as for all payments made using such Password. The use of the Card by the Cardholder for making payments on the website is at the Cardholder's own risk and is the Cardholder's sole responsibility.


    11.

    The Cardholder shall indemnify and hold the Issuer, including its officers, employees and agents, against all losses and expenses on full indemnity basis, which the Issuer may incur, sustain, suffer or is likely to suffer in connection with the execution of the Cardholder's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing the IndusInd Bank e-Secure service.


    12.

    The Issuer has no obligation to verify the authenticity of any payment made from the Card other than by means of verification of the Cardholder's Password.


    13.

    All disputes, if any, arising out of or in connection with, or as a result of these Terms and Conditions or otherwise relating hereto, shall be subject to the exclusive jurisdiction of the competent courts/tribunals in Mumbai only.