Definitions:
In these Terms and Conditions, the following terms shall have the following meanings:

"Alerts" mean the customised messages in response to the Triggers sent as short messaging service ("SMS") to the Customer over his mobile phone; "Account" means any account of the Customer with the Bank, including but not limited to, the savings/ current /fixed deposit /AAFA/ Suvidha/Credit Card/Home Loan/Property Power account or any other account; "Bank" means the branch in India of Citibank N.A. with which the Customer's Account is maintained; "CSP" means the Cellular Service Provider with whom the Bank has an arrangement for providing the CitiAlert Facility; "Customer" means the person who holds an Account with the Bank;
"Facility" means the facility of receiving Alerts and known as CitiAlert; "Triggers" means the customised triggers to be set or placed by the Customer with the Bank with respect to specific event/transactions relating to his Account to enable the Bank to send the corresponding Alerts to the Customer.

The Facility is made available to the Customer at his request, at the sole discretion of the Bank and may be discontinued by the Bank at any time, without notice. The Facility is currently available to only to resident Indian Customers with Accounts with the Bank's branches in India. The Facilities may be made available at a later date to non-resident Indian

The Facility is available in certain specific regions and to subscribers of mobile phones of certain specific CSPs in India. The Customer understands that unless he is a subscriber of the specific CSPs, the Facility will not be available

The Alerts will be sent to the Customer only if the Customer is within the cellular circles of the CSPs or in circles forming part of the roaming network of such CSPs.

The Bank may, if feasible, extend the Facilities to other cellular circles as well as to subscribers of other cellular telephone service providers, as will be notified by the Bank, from time to time

Registration for CitiAlert shall be treated as registration for Citibank Online and Mobile Pay as and when the same are operational.

Email alerts will be sent to customers if E-mail Id is active and valid. Citibank will not be responsible for any malfunction by E-mail Service provider

To receive Alerts, the Customer may select and set all of the Triggers available on the Citibank India Website www.citibank.com/india The Customer may set any Triggers with the Bank through CitiPhone Banking or by conventional written instructions to the Bank

The Customer is responsible to acquaint himself with the detailed process for using CitiAlert and the Bank is not responsible for any error by the Customer is setting the Triggers

The Customer hereby understands that as and when the Bank allows the Customer the facility of setting triggers over the Citibank India Website, the Customer will be required to use the Citibank Online Facility and the terms and conditions relating thereto will apply. To set Triggers through CitiPhone Banking the Customer will be required to use his TPIN and the terms and conditions relating to CitiPhone Banking will apply. Alerts will be sent over the Customer's mobile phone number registered with the Bank. The terms and conditions relating to Citibank Online and CitiPhone Banking must be read in conjunction with and in addition to these Terms and Conditions

The Customer acknowledges that CitiAlert will be implemented in a phased manner and the Bank may at a later stage, as and when feasible, expand the available Triggers or Alerts to meet Customer requirements.

The Bank may, from time to time, change the features of any Trigger or Alert. The Customer will be responsible for keeping himself updated of the available Triggers or Alerts, which will be notified by the Bank over its Website. The Customer may, from time to time, change or add to the Triggers selected by him, without the necessity of a fresh registration.

The Bank will not acknowledge receipt of any Instructions or Triggers nor shall the Bank be responsible to verify any Instructions or Triggers or the Customer's TPIN or IPIN or mobile phone number. The Bank will endeavour to give effect to Instructions and Triggers on a best effort basis and as soon as practically possible for the Bank

The Bank may, in its discretion, not give effect to any Triggers if the Bank has reason to believe (which decision of the Bank shall be binding on the Customer ) that the Triggers are not genuine or otherwise improper or unclear or raise a doubt or in case any Triggers cannot be put into effect for any reasons whatsoever.

The Customer is responsible for intimating to the Bank any change in his phone number or email address or Account details and the Bank will not be liable for sending Alerts or other information over the Customer's mobile phone number/email address /fax number recorded with the Bank

The Customer acknowledges that to receive Alerts, his mobile phone must be in an "on" mode. If the Customer's mobile phone is kept "off" for a continuous period 48 hours from the time of delivery of an Alert message by Citibank, that particular message would not be received by the Customer.

Triggers will be processed by the Bank after receipt and the processing time will be decided by the Bank, in its discretion. The Customer acknowledges that there will be a certain time lag taken by the Bank to process the Triggers and send the Alerts.

The Customer acknowledges that the Facility is dependent on the infrastructure, connectivity and services provided by the CSPs and other service providers engaged by the Bank. The Customer accepts that timeliness, accuracy and readability of Alerts sent by the Bank will depend on factors affecting the CSPs and other service providers. The Bank shall not be liable for non-delivery or delayed delivery of Alerts, error, loss or distortion in transmission of Alerts to the Customer.

The Bank shall endeavour to provide the Facility on a best effort basis and the Customer shall not hold the Bank liable for non-availability of the Facility or non-performance by any CSPs or other service providers or any loss or damage caused to the Customer as a result of use of the Facility (including relying on the Alerts for the Customer's investment or business purposes) for causes which are not attributable to the Bank. The Bank shall not be liable in any manner to the Customer in connection with the use of the Facility.

The Customer accepts that each Alert may contain certain Account information relating to the Customer. The Customer authorizes the Bank to send Account related information, though not specifically requested, if the Bank deems that the same is relevant.

The Bank may, in its discretion, withdraw temporarily or terminate the Facility, either wholly or in part, at any time. The Bank may, without prior notice, suspend the Facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Facility.

If Alerts cannot be delivered to the Customer on ten consecutive occasions, the Facility will be temporarily suspended, until reactivated by the Customer.

Fees
The Facility is presently and for a limited period a free service. However, the Bank may, at its sole discretion, after notice to the Customer charge fees/ charges for use of the Facility. The Bank may at its sole discretion revise the charges/ fees for use of any or all of the Facility, by notice to the Customer. The Customer may at any time discontinue or unsubscribe to the said Facility. The Customer shall be liable for payment of such airtime or other charges which may be levied by the CSP in connection with the receiving of the Alerts, as per the terms and conditions of the CSP and the Bank is in no way concerned with the same

The Customer is solely responsible for protecting his TPIN/ HPIN or mobile phone number

The Bank will not be liable for:

any unauthorised use of the Customer's TPIN, HPIN or mobile phone or for any fraudulent, duplicate or erroneous instructions /Triggers given by use of the Customer's TPIN, HPIN or mobile phone number;

acting in good faith on any instructions /Triggers received by the Bank;

error, default, delay or inability of the Bank to act on all or any of the instructions /Triggers;

loss of any information/instructions /Alerts in transmission;

unauthorized access by any other person to any information /instructions /Triggers given by the Customer or breach of confidentiality;

The Bank will not be concerned with any dispute between the Customer and the CSP/E-mail service provider and makes no representation or gives no warranty with respect to the quality of the service provided by the CSP/E-mail service provider or guarantee for timely delivery or accuracy of the contents of each Alert.

Disclosure
The Customer accepts that all information /Instructions /Triggers will be transmitted to and /or stored at various locations and be accessed by personnel of the Bank (and its affiliates). The Bank is authorised to provide any information or details relating to the Customer or his Account to the CSPs or any service providers so far as is necessary to give effect to any instructions/Triggers.

Liability and Indemnity
The Customer 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 Customer, the Customer shall be liable in damages to the Bank. In consideration of the Bank providing the Facility, the Customer agree to indemnify and keep safe, harmless and indemnified the Bank from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or arising out in good faith acting on omitting or refusing to act on any instructions given by use of the Facility. The customer shall agree to an ongoing confirmation for use of name, email address and mobile number for marketing / merchandising offers between Citibank and other companies. The customer shall indemnify the Bank for unauthorised access by any other person to any information / instructions / triggers given by the customer or breach of confidentiality.

Amendment
The Bank may amend the above terms and conditions, at any time without prior notice to the Customer and such amended terms and conditions will thereupon apply to and be binding on the Customer