The Freedom Card ("The Card") is issued by Development Credit Bank Ltd. (DCB Bank) having its Registered office at 301, Delta Plaza, 414 Veer Savarkar Marg, Prabhadevi, Mumbai . 400 025, India, on the terms and conditions detailed here in. .ItzCash. refers to Itz Cash Card Ltd. a company incorporated under Indian Companies Act 1956, and having registered office at 10th floor Times tower, Kamala Mill compound, lower parel, Mumbai 400 013. ItzCash has been appointed as Business Correspondent and Program Manager for the Freedom Card program by DCB Bank.
IMPORTANT TERMS AND CONDITIONS
Terms & Conditions Governing the Freedom Card Important - Please make sure you have read these Freedom Card terms and conditions carefully before using the Freedom Card. By using the Freedom Card you are unconditionally accepting the terms and conditions listed hereunder and will be bound by them and you accept the onus of ensuring compliance with the relevant Reserve Bank of India (RBI) Regulations, and the rules and regulations framed by Reserve Bank of India as amended / modified and any other corresponding enactment in force from time to time.
Lost or Stolen Card
Call us at our Customer Care Centre No. 07666155220 or e-mail us at firstname.lastname@example.org or write to us at Itz Cash Card Ltd. 10th Floor, Times tower, Kamala city, Lower Parel, Mumbai-400 013.
These terms and conditions and / or the operations of the Freedom Card, DCB Bank and the use of the services provided by DCB Bank shall be governed by the laws of the Republic of India. The customer and DCB Bank agree to submit to the exclusive Jurisdiction of the Courts located in Mumbai, India as regards any claims or matters arising under these terms and conditions. The mere fact that any service can be accessed through internet, mobile or phone by a customer in a country other than India shall not be interpreted to imply that the laws of the said country govern these terms and conditions and / or the operations in the said accounts of the customer and/or the use of any of these services.
Verified by Visa (VBV)
Description of (VBV)
Verified by Visa provides you with a way of increasing security for online transactions by reducing the chances of fraud for those transactions. Registering for Verified by Visa involves providing personal information to DCB Bank, which is then used to confirm your identity in conne ction with future online transactions for which Verified by Visa is used. Verified by Visa also may be used for record keeping and reporting purposes, as well as to help re solve transaction disputes.
Limitation of Liability
Disclaimer of Warranties
EXCEPT AS OTHERWISE REQUIRED BY ANY APPLICABLE STATE LAW, DCB MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT VERIFIED BY VISA OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES AS TO MERCHANT ABILITY OR FITNESS FOR A PARTICULAR PURPOSE. VERIFIED BY VISA IS PROVIDED AND MADE AVAI LABLE TO YOU ON AN .AS IS. B ASIS.
For detailed and updated terms and conditions please refer consmer.itzcash.com The above term and conditions are subject to change periodically at the discretion of ItzCash/DCB Bank.
IMPORTANT TERMS AND CONDITIONS GOVERNING IDBI Bank-ITZCASH FREEDOM PREPAID CARD The Freedom Card ("The Card") is issued by IDBI Bank Ltd. (IDBI Bank) having its Registered office at 301,Delta Plaza, 414 Veer Savarkar Marg, Prabhadevi, Mumbai . 400 025, India, on the terms and conditions detailed herein. .ItzCash. refers to Itz Cash Card Ltd. a company incorporated under Indian Companies Act 1956, and having registered office at 10th Floor, Times tower, Kamala city, Lower Parel, Mumbai-400 013.ItzCash has been appointed as Business Correspondent and Program Manager for the Freedom Card program by IDBI Bank.
IMPORTANT TERMS AND CONDITIONS
Terms & Conditions Governing the Freedom Card
Important - Please make sure you have read these Freedom Card terms and conditions carefully before using the Freedom Card. By using the Freedom Card you are unconditionally accepting the terms and conditions listed hereunder and will be bound by them and you accept the onus of ensuring compliance with the relevant Reserve Bank of India (RBI) Regulations, and the rules and regulations framed by Reserve Bank of India as amended/modified and any other corresponding enactment in force from time to time.
The Freedom card holder acknowledges and understands that Freedom card is being issued to the cardholder on the basis of the application. Card Validity and Cardholder Obligations The Freedom card is valid for 5 years from the date of manufacturing printed on the card. The issue and use of the Card shall be subject to the rules and regulations as issued by IDBI Bank & the Reserve Bank of India and other regulators from time to time. Freedom Card shall be valid only for transaction options, as permitted by IDBI Bank from time to time in India, at POS e-commerce & all MasterCard ATMs. Freedom Card will be at all times the property of IDBI Bank and shall be returned to IDBI Bank unconditionally and immediately upon IDBI Bank.s request. The Cardholder is requested to ensure that the identity of the Bank Officials is established before handing over the Freedom Card. The Freedom Card is not transferable or assignable by the Cardholder under any circumstances. You must sign the back side of Freedom Card immediately upon receipt. You must not permit any other person to use it and should safeguard the Freedom Card from misuse by retaining the Freedom Card under your personal control at all times. The Personal Identification Number (PIN) issued to the Cardholder for use with the Freedom Card or any numbers chosen by the Cardholder as a PIN, will be known only to the Cardholder and are for the personal use of the Cardholder and are non-transferable and strictly confidential. A written record of the PIN number should not be kept in any form, place or manner that may facilitate its misuse by a third party. The PIN should not be disclosed to any third party, either to staff of the Bank or to Merchant establishments, under any circumstances or by any means whether voluntary or otherwise. The Cardholder.s Freedom Card will be debited immediately with the amount of any withdrawal, transfer and other transactions effected by the use of the Freedom Card. Sometimes the transaction amount and/or tips, surcharge or exceptional transaction amount would be debited to your account subsequently/at a later date. The Cardholder will ensure that he has sufficient balance on the Freedom Card to meet any such transactions. The Cardholder shall not be entitled to withdraw funds by the using of the Freedom Card in excess of the sufficient balance in the Freedom Card. The Cardholder will be responsible for transactions effected by using Freedom Card whether authorized by the Cardholder or not, and shall indemnify ItzCash (business correspondent of IDBI Bank) against any loss or damage caused by any unauthorized use of the Freedom Card or related PIN, including any penal action arising there from on account of any violation of RBI guidelines or any other law being in force in India and/or state continent/territory law being in force in India notwithstanding the termination of this agreement. You hereby undertake to destroy the Freedom Card when it expires by cutting it into several pieces. You can approach any of the BC Sub-agent for card renewal or closure before expiry. IDBI Bank reserves the sole right of renewing your Freedom Card account on expiry. The Cardholder will inform ItzCash (business correspondent of IDBI Bank) for any irregularities or discrepancies that exist in the transaction details at an ATM/merchant establishment within 07 days of the transaction processed. If no such notice is received during this time, ItzCash will assume the correctness of the transaction. Fees Annual fees will be debited to your Freedom Card at applicable rate as mentioned in user manual. These fees are not refundable and subject to changes from time to time. Charges for other services will be levied to the Freedom Card, at prevailing rates. Transaction fees for cash withdrawals/balance inquiry and/or other transactions wherever applicable, will be debited to the Freedom Card at the time of posting debit entry of the transaction amount or at the end of day. The Charges/fees applicable on the usage of the Freedom Card maybe revised/changed by IDBI Bank/ItzCash from time to time without prior intimation to the Cardholder(s). Any charges/fees appearing in this terms and conditions does not include service tax and/or any other cess/taxes the same may be collected in addition to such fees as applicable from time to time. Lost or Stolen Card In the event that the Card is lost or stolen, the occurrence must be reported to ItzCash Helpline immediately by fastest means of communication followed with a written communication. A copy of the acknowledged police complaint must accompany the said written confirmation. You hereby undertake to indemnify ItzCash/IDBI Bank fully against any liability/(civil or criminal), loss, cost, expenses or damage that may arise due to loss or misuse of the Freedom Card in the event that it is lost and not reported to ItzCash/IDBI Bank, or lost and misused before ItzCash/IDBI Bank is informed. Provided you have in all respects complied with the terms and conditions, a replacement Card may be issued at the sole discretion of ItzCash/IDBI Bank at the applicable fee. If it is determined that you were grossly negligent or fraudulent in the handling of the Card , the Bank would not entertain any request for refund/reimbursement of fraudulent usage of the Lost/Stolen card. If any amount is credited to your Freedom Card based on your representation and/or any information provided by you, the Bank would recover the amount from you without any prior notice. You hereby undertake to indemnify ItzCash/IDBI Bank fully against any liability, loss, cost, expenses, damage that may arise due to your negligent or fraudulent handling of the card. Should you subsequently recover the Freedom Card as, it cannot be used. Please destroy the Freedom Card by cutting it into several pieces through the magnetic strip.
These terms and conditions and/or the operations of the Freedom Card, IDBI Bank and the use of the services provided by IDBI Bank shall be governed by the laws of the Republic of India. The customer and IDBI Bank agree to submit to the exclusive Jurisdiction of the Courts located in Mumbai, India as regards any claims or matters arising under these terms and conditions. The mere fact that any service can be accessed through internet, mobile or phone by a customer in a country other than India shall not be interpreted to imply that the laws of the said country govern these terms and conditions and/or the operations in the said accounts of the customer and/or the use of any of these services.
Limitation of Liability
You acknowledge and agree that, except as otherwise provided by any applicable laws IDBI Bank/ItzCash shall not be liable for any loss or damage arising from your failure to comply with this Terms & Conditions. You agree that IDBI Bank/ItzCash shall not be liable to you or to any third party for any modification, suspension or discontinuance of Verified by MasterCard. Under no circumstances will IDBI Bank/ItzCash be liable for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your use of Verified by MasterCard. IDBI Bank/ItzCash assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of, or downloading from, this Web site. You agree that 'on line alerts ' are sent by the ItzCash/IDBI Bank to the Mobile number registered for SMS alerts with the ItzCash/IDBI Bank and you shall take steps to get registered for 'SMS alerts' to receive alerts for transactions done on your Freedom Card.
For detailed and updated terms and conditions please refer consmer.itzcash.com The above term and conditions are subject to change periodically at the discretion of ItzCash/IDBI Bank
Terms of Web Site User(s) Eligibility:
User(s) means any individual or business entity/organization that legally operates in India or in other countries, uses and has the right to use the services provided by ICCL on this website. Our services are available only to those individuals or companies who can form legally binding contracts under the applicable law. Therefore, user(s) should not be a minor or otherwise incompetent as per Indian Law; i. e. user(s) must have completed the age of 18 years of age to be eligible to use our online services. ICCL advises its users that while accessing the web site, they must follow/abide by the applicable laws. ICCL is not responsible for the possible consequences caused by your act/behaviour during the use of this web site. ICCL may, in its sole discretion, refuse the service to anyone at any time without assigning any reason.
Terms and conditions of usage of Prepaid Cards:
Call center information
Limitation of Liability and Disclaimer:
The features and services on the web site are provided on an "as is" and "as available" basis, and web site hereby expressly disclaims any and all warranties, express or implied, including but not limited to any warranties of condition, quality, durability, performance, accuracy, reliability, merchantability or fitness for a particular purpose. All such warranties, representations, conditions, undertakings and terms are hereby excluded. ICCL makes no representations or warranties about the validity, accuracy, correctness, reliability, quality, and stability, completeness of any information provided on or through the web site. ICCL does not represent or warranty that the manufacture, importation, distribution, offer, display, purchase, sale and/or use of products or services offered or displayed on the web site does not violate any third party rights; and ICCL makes no representations or warranties of any kind concerning any product or service offered or displayed on the web site. Any material downloaded or otherwise obtained through the web site is done at your sole discretion and risk and you are solely responsible for any damage to your computer system or loss of data that may result from the download of any such material. No advice or information, whether oral or written, obtained by you from web site or through or from the web site shall create any warranty not expressly stated herein.
Under no circumstances shall web site be held liable for an delay or failure or disruption of the content or services delivered through the web site resulting directly or indirectly from acts of nature, forces or causes beyond its reasonable control, including without limitation, Internet failures, computer, telecommunications or any other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, Acts of God, natural calamities, war, governmental actions, orders of domestic or foreign courts or tribunals or non-performance of third parties. User(s) hereby agree to indemnify and save web site, its affiliates, directors, officers and employees harmless, from any and all losses, claims, liabilities (including legal costs on a full indemnity basis) which may arise from your use of the web site (including but not limited to the display of your information on the web site) or from your breach of any of the terms and conditions of this Term of use. User(s) hereby further agree to indemnify and save web site, its affiliates, directors, officers and employees harmless, from any and all losses, claims, liabilities (including legal costs on a full indemnity basis) which may arise from your breach of any representations and warranties made by you to website.
User(s) hereby further agree to indemnify and save web site, its affiliates, directors, officers and employees harmless, from any and all losses, claims, liabilities (including legal costs on a full indemnity basis) which may arise, directly or indirectly, as a result of any claims asserted by Third Party Rights claimants or other third parties relating to products offered or displayed on the web site. User(s) hereby further agree that web site is not responsible and shall have no liability to it, for any material posted by others; including defamatory, offensive or illicit material and that the risk of damages from such material rests entirely with you. Web site reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate with web site in asserting any available defenses.
Web site shall not be liable for any special, direct, indirect, punitive, incidental or consequential damages or any damages whatsoever (including but not limited to damages for loss of profits or savings, business interruption, loss of information), whether in contract, negligence, tort, strict liability or otherwise or any other damages resulting from any of the following:
Links to Third Party Sites:
Links to third party sites are provided by web site as a convenience to user(s) and ICCL has not have any control over such sites i.e. content and resources provided by them. ICCL may allow user(s) access to content, products or services offered by third parties through hyper links (in the form of word link, banners, channels or otherwise) to such Third Party's web site. You are cautioned to read such sites' terms and conditions and/or privacy policies before using such sites in order to be aware of the terms and conditions of your use of such sites. ICCL believes that user(s) acknowledge that ICCL has no control over such third party's site, does not monitor such sites, and ICCL shall not be responsible or liable to anyone for such third party site, or any content, products or services made available on such a site.
Posting your content on Website:
Some of the content displayed on the website is provided or posted by third parties. User(s) can post their content on some of the sections/services of the web site using the self-help submit and edit tools provided at the respective section. User (s) may need to register and/or pay for some of these services. ICCL in such case is not the author. The content here is contributed by anonymous, registered or paid user(s). Neither ICCL nor any of its affiliates, directors, officers or employees has entered into sale agency relationship with such third party by virtue of our display of the Third Party Content on the website. Any Third Party content is the sole responsibility of the party who has provided the content. ICCL is not responsible for the accuracy, propriety, lawfulness or truthfulness of any Third Party content, and shall not be liable to any user(s) in connection with his/her reliance on such Third Party content. In addition, ICCL is not responsible for the conduct of user(s) activities on the web site, and shall not be liable to any person in connection with any damage suffered by any person as a result of any such user's conduct.
User(s) solely represent, warrant and agree to:
provide ICCL with true, accurate, current and complete information to be displayed on the web site and maintain and promptly amend all information to keep it true, accurate, current and complete. User(s) hereby grant an irrevocable, perpetual, worldwide and royalty-free, sub-licensable (through multiple tiers) license to ICCL to display and use all information provided by them in accordance with the purposes set forth in Term and to exercise the copyright, publicity, and database rights you have in such material or information, in any form of media, third party copyrights, trademarks, trade secret rights, patents and other personal or proprietary rights affecting or relating to material or information displayed on the web site, including but not limited to rights of personality and rights of privacy, or affecting or relating to products that are offered or displayed on the web site (hereafter referred to as "Third Party Rights").
User(s) hereby represent, warrants and agree that user(s) shall be solely responsible for ensuring that any material or information you post on the web site or provide to web site or authorize the web site to display, does not, and that the products represented thereby do not, violate any Third Party Rights, or is posted with the permission of the owner(s) of such rights. User(s) hereby represent, warrant and agree that they have the right to manufacture, offer, sell, import and distribute the products offered and displayed on the web site, and that such manufacture, offer, sale, importation and/or distribution of those products violates no Third Party Rights.
ICCL reserves the right in its sole discretion to remove any material/content/photos/offers displayed on the web site which it reasonably believes is unlawful, could subject ICCL to liability, violates the terms and conditions and/or Term of use or is otherwise found inappropriate in ICCL's opinion. Web site reserves the right to cooperate fully with governmental authorities, private investigators and/or injured third parties in the investigation of any suspected criminal or civil wrongdoing.
In connection with any of the foregoing, web site may suspend or terminate the Account of any User as web site deems appropriate in its sole discretion. User(s) agree that web site shall have no liability to any User(s), including no liability for consequential or any other damages, in the event web site takes any of the actions mentioned in this Section, and that you agree to bear the risk that web site may take such actions.
Web site acts as a content integrator and is not responsible for the information provided by user(s) to be displayed on the web site. ICCL do not have any role in developing the content.
Interaction between Users:
ICCL may provide links for providing an on-line platform for exchanging information between buyers and suppliers of products and services. Web site does not represent the seller or the buyer in specific transactions and does not charge any commission for enabling any transaction. Web site does not control and is not liable to or responsible for the quality, safety, lawfulness or availability of the products or services offered for sale on the web site or the ability of the suppliers to complete a sale or the ability of buyers to complete a purchase. User(s) are cautioned that there may be risks of dealing with foreign nationals or people acting under false pretenses. Web site uses several techniques (such as VeriSign, TrustSEAL) to verify the accuracy and authenticity of the information our user(s) provide us. However, since it is not possible in all cases and is not 100% fool-proof, ICCL cannot and does not confirm each user(s) purported identity (including, without limitation, VeriSign, Trust SEAL Members). ICCL encourages user(s) to use various tools available on the web site and otherwise, as well as common sense, to evaluate the user(s) with whom they would like to deal with. User(s) acknowledge that user(s) fully assume the risks of purchase and sale transactions when using the web site to conduct transactions, and that user(s) fully assume the risks of liability or harm of any kind in connection with subsequent activity of any kind relating to products or services that are the subject of transactions using the website.
Such risks shall include, but are not limited to, mis-representation of products and services, fraudulent schemes, unsatisfactory quality, failure to meet specifications, defective or dangerous products, unlawful products, delay or default in delivery or payment, cost mis-calculations, breach of warranty, breach of contract and transportation accidents. Such risks also include the risks that the manufacture, importation, distribution, offer, display, purchase, sale and/or use of products or services offered or displayed on the web site may violate or may be asserted to violate Third Party Rights, and the risk that you may incur costs of defense or other costs in connection with third parties' assertion of Third Party Rights, or in connection with any claims by any party that they are entitled to defense or indemnification in relation to assertions of rights, demands or claims by Third Party Rights claimants. Such risks also include the risks that consumers, other purchasers, end-users of products or others claiming to have suffered injuries or harms relating to product originally obtained by user(s) of the web site as a result of purchase and sale transactions in connection with using the web site may suffer harms and/or assert claims arising from their use of such products. All of the foregoing risks are hereafter referred to as "Transaction Risks".
User(s) agree that ICCL shall not be liable or responsible for any damages, liabilities, costs, harms, inconveniences, business disruptions or expenditures of any kind that may occur/arise as a result of or in connection with any Transaction Risks. User(s) are solely responsible for all of the terms and conditions of the transactions conducted on, through or as a result of use of the web site, including, without limitation, terms regarding payment, returns, warranties, shipping, insurance, fees, taxes, title, licenses, fines, permits, handling, transportation and storage. In the event of a dispute with any party to a transaction, user(s) agrees to release and indemnify ICCL (and our agents, affiliates, directors, officers and employees) from all claims, demands, actions, proceedings, costs, expenses and damages (including without limitation any actual, special, incidental or consequential damages) arising out of or in connection with such transaction. User(s) may use the content/features on web site solely for their personal or internal purposes. User(s) agree that they will not use ICCL database and/or services to send junk mail, chain letters or spamming or the transmission of any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature. Further, as a Registered User, user(s) will not use the Email Account to publish, distribute, transmit or circulate any unsolicited advertising or promotional information or any content that is obscene, indecent, seditious, offensive, defamatory, threatening, or which incites or results in causing racial hatred, discrimination, menace or breach of confidence.
Intellectual Propery Rights:
All other Trademarks and logos or registered Trademarks and logos found on the site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any Trademark displayed on the site without the written permission of ICCL or such third party that owns the Trademark displayed on this site. ICCL and its logos are our Trademarks or registered Trademarks. Website content means its design, layout, text, images, graphics, sound, video etc. The web site content embodies trade secrets and intellectual property rights protected under copyright and other laws. All title, ownership and intellectual property rights in the web site and its content shall remain with Itz Cash Card Limited and its affiliates or licensor's of ICCL.s website content, as the case may be. All rights not otherwise claimed under this terms and conditions or by ICCL, are hereby reserved. The information contained in this web site is intended, solely to provide general information for the personal use of the reader, who accepts full responsibility for its use. ICCL does not represent or endorse the accuracy or reliability of any information, or advertisements (collectively, the "content") contained on, distributed through, or linked, downloaded or accessed from any of the services contained on this web site, or the quality of any products, information or other materials displayed, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the service. We accept no responsibility for any errors or omissions, or for the results obtained from the use of this information. All information in this web site is provided on "as is" basis but with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. Nothing herein shall to any extent substitute for the independent investigations and the sound technical and business judgment of the user(s). In no event shall ICCL be liable for any direct, indirect, incidental, punitive, or consequential damages of any kind whatsoever with respect to the service, the materials and the products. User(s) of this site must hereby acknowledge that any reliance upon any content shall be at their sole risk. The information presented here has been compiled from publicly aired and published sources. ICCL respects these sources and is in no way trying to infringe on the respective copyrights or businesses of these entities. ICCL reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in any portion of the service or the materials.
Amendment to User(s) Terms and Conditions: ICCL may change, modify, amend, delete or update this terms and conditions from time to time without any prior notification to user(s) and the amended and restated terms and conditions of use shall be effective immediately on posting. If you do not adhere to the changes, you must stop using the service. Your continuous use of the service will signify your acceptance of the changed terms.
NOTICES: All notices or demands to or upon web site shall be effective if in writing and shall be duly made when sent to Itz Cash Card Limited on the following Address:
Itz Cash Card Limited,
Junction of Shraddhanand and Nehru Road,
Vile Parle (E),
Mumbai - 400 057.
All notices or demands to or upon a User(s) shall be effective if either delivered personally, sent by courier, certified mail, by facsimile or email to the last-known correspondence, fax or email address provided by the User(s) to web site, or by posting such notice or demand on an area of the web site that is publicly accessible without a charge. Notice to a User(s) shall be deemed to be received by such User(s) if and when web site is able to demonstrate that communication, whether in physical or electronic form, has been sent to such User(s), or immediately upon web site's posting such notice on an area of the web site that is publicly accessible without charge.
This ItzCash Visa® Gift Card is issued to you by HDFC Bank Ltd, a banking company incorporated under the Companies Act, 1956 and licensed as a Bank within the meaning of the Banking Regulation Act, 1949, having its Registered and Corporate office at HDFC Bank House, Senapati Bapat Marg, Lower Parel, Mumbai . 400 013 (.HDFC Bank.). ItzCash Card Limited a company incorporated under Indian Companies Act 1956, and having registered office at Top 14th floor Times tower, Kamala City, Senapati Bapat Marg,Lower parel, Mumbai 400 013 (.ItzCash.). ItzCash has been appointed as business correspondent and program manager for the ItzCash Visa® Gift Card by HDFC Bank.
These terms and any attachments or accompanying supplement(s) and shall also include the terms and conditions stated on the ItzCash.s website viz [http://prepaid.itzcash.com] (together and Card history can be viewed online at http://prepaid.ItzCash.com after due log-in or accessed by calling/writing to the Customer Service Centre at the phone number and/or email address listed on the back of your Card.