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  2. Voice Banking Services with Amazon Alexa - IndusInd Bank
  3. Alexa - Terms and Conditions

Alexa - Terms & Conditions

These terms and conditions ("Terms and Conditions") together with the application made by the Customer and as accepted by IndusInd Bank shall form the contract between the Customer and IndusInd Bank Limited, and shall be further subject to such terms as IndusInd Bank may agree with "Amazon" and/or any other service providers. These Terms and Conditions shall be in addition to and not in derogation of the terms and conditions governing any other product or service being provided by IndusInd Bank and being availed by Customer

DEFINITIONS:

In these terms and conditions, unless there is anything repugnant to the subject or context thereof, the expressions listed below shall have the following meanings viz.:
"Alexa skill store" shall mean a platform by Amazon on which IndusAssist skills are available for customers.
"Alexa App" shall mean an application by Amazon using which customers will have to enable IndusAssist skills on Alexa device.
"Alexa Website" shall mean website of Alexa using which customer can login to their amazon account and enable IndusAssist skills on their Alexa device and initiate one time account linking process.
"Alexa devices"/ "Alexa"/"Echo"/"Echo Dot"/"Echo Plus" shall mean smart speakers developed by Amazon.com.The devices connect to the voice-controlled intelligent personal assistant service Alexa, which responds to the name "Alexa". This "wake word" can be changed by the user to "Amazon", "Echo" or "Computer".[1][2] The device is capable of voice interaction, music playback, making to-do lists, setting alarms, streaming podcasts, playing audiobooks, and providing weather, traffic and other real-time information.
"Voice PIN" shall mean authentication pin that will be set by customer during one time account linking process. Customer will have to verify themselves by voicing out this pin whenever customer want to use IndusAssist skills on Alexa
"Registration Process/Account Linking," process shall mean the one time registration process that customer will have to complete to enable IndusAssist skills on their Alexa device
"Forget Voice Pin" shall mean the process customer will have to use in order to reset the voice pin required for using IndusAssist skills on Alexa.
"Voice Banking" shall mean using IndusAssist skills on Alexa for raising banking service requests.
"IndusAssist Skills" shall means skills published by IndusInd Bank on Alexa in order to enable customers to raise voice based banking service requests.
"Alexa Chat History" shall mean chat conversation of customer with Alexa after invoking IndusAssist skills that will be displayed under chat history section of Alexa App.
"Account/s" shall mean any one or more accounts held and/or facilities provided by/to the Customer, by IndusInd Bank including but not limited to savings accounts, current accounts, credit card or debit card accounts, loans, investments or such other accounts and/or facilities as may be determined by IndusInd Bank from time to time, for which the Facility is being offered or may be offered in future.
"Response(s)" means the customized messages sent to the Mobile Phone Number of Customer as an SMS/ menu based communication.
"IndusInd Bank Customer"/ "Customer" shall mean a customer of IndusInd Bank or any person who has applied for any product/service of IndusInd Bank
"IndusInd Bank" shall mean IndusInd Bank Limited, a company incorporated under the Companies Act 1956 and a banking company within the meaning of the Banking Regulation Act, 1949 and having its registered office at 2401, General Thimmayya Road, East Street, Pune – 411 001, and its corporate office at 8th Floor, Tower 1, One Indiabulls Centre, 841, Senapati Bapat Marg, Elphinstone Road (W) Mumbai - 400 013. The expression "IndusInd Bank" shall, unless it be repugnant to the subject or context hereof, include its successors and assigns.
"IndusInd Bank Number" refers to the number/s provided by IndusInd Bank to its customers for availing of SMS Banking Facility or such other facilities which may be availed of through the IndusInd Bank Contact Number, as communicated by IndusInd Bank from time to time.
"Facility" shall mean IndusAssist skills on Alexa store which provides the Customers services such as information relating to Account/s, details about transactions and such other services as may be provided by IndusInd Bank, from time to time, excluding any direct or indirect financial transactions.
"Payer" refers to the User / Customer who holds a Savings Bank Account or Current account with IndusInd Bank.
"Personal Information" shall mean the information about the Customer obtained in connection with the Account(s) and/or Facility.
"RBI" shall mean the Reserve Bank of India.
In these Terms and Conditions, unless the contrary intention appears:

  1. A reference to:
    1. an "amendment" includes a supplement, modification, novation, replacement or reenactment and "amended" is to be construed accordingly;
    2. an "authorisation" or "approval" includes an authorisation, consent, clearance, approval, permission, resolution, license, exemption, filing and registration;
    3. "law" includes any constitution, statute, law, rule, regulation, ordinance, judgement, order, decree, authorisation, or any published, directive, guideline, requirement or governmental restriction having the force of law, or any determination by, or interpretation of any of the foregoing by, any judicial authority, whether in effect as of the date of signing/submission of the application form or thereafter and each as amended from time to time.
  2. The singular includes the plural (and vice versa);
  3. The headings in these Terms and Conditions are inserted for convenience of reference only and are to be ignored in construing and interpreting the Terms and Conditions;
  4. Reference to the words "include" or "including" shall be construed without limitation
  5. Reference to a gender shall include references to the female, male and neuter genders;
  6. All approvals, permissions, consents or acceptance required from IndusInd Bank for any matter shall require the prior, written approval, permission, consent or acceptance of IndusInd Bank;

APPLICATION

A Customer desirous of availing Facility shall apply to IndusInd Bank for use of Facility and shall accept Terms & Conditions laid out for use of the Facility.
Application for the Facility made by use of permissible modes as specified by IndusInd Bank from time to time shall be accepted by IndusInd Bank only after authentication of the Customer through any mode of verification as may be stipulated by IndusInd Bank from time to time as may be decided at the discretion of IndusInd Bank. IndusInd Bank shall have a right to not to consider and/ or refuse any application, without assigning any reason whatsoever.
Only Indian Rupee based services shall be provided. Use of Facility for cross border inward and outward transfers is strictly prohibited.

ELIGIBILITY

The Customer desirous of using the Facility should be either a sole Account holder or authorised to act independently. In case of joint Account/s, the written mandate of other account holders authorising the Customer to use the Facility would be required. All or any transactions arising from the use of the Facility in the joint account shall be binding on all the joint account holders, jointly and severally. An Account in the name of the minor, in which a minor is a joint account holder or any Account where the mode of operation is joint, is not eligible for the Facility.
In order to use the Facility, IndusInd Bank may require any Personal Information of Customer, including but not limited to Customer’s Name, Mobile Phone Number, E-mail Address, Date of Birth, and Permanent Account Number (PAN) and IndusInd Bank may further have to submit the same to Amazon or any other service provider of the Bank in respect of the Facility.
Customer agrees that the Personal Information provided by Customer to IndusInd Bank while applying for registration for availing the Facility shall be true, accurate, current and complete and Customer agrees to maintain and update this Personal Information to keep the Personal Information true, accurate, and complete.

TERMS OF THE FACILITY AND AUTHENTICATION PROCEDURES

The Facility is made available to the Customer at his request, at the sole discretion of IndusInd Bank and may be discontinued by IndusInd Bank at any time, without notice.
Linking Customer’s Account

  1. To enable the IndusAssist Skill, Customer shall open the Alexa App on Customer’s personal device, search for "IndusAssist" under "Skills" in the menu, then select "ENABLE."  As a condition to enabling the IndusAssist Skill, Customer will be prompted to link his IndusInd Bank Account to the IndusAssist Skill.  An IndusInd Bank hosted log-in page will appear through the Alexa App, and Customer will be prompted to log in to his IndusInd Bank Account by using his IB/DC/CC/MB credentials.  Customer will also be prompted to create a 4-digit PIN ("Voice PIN") which will be an authentication pin that will be set by Customer during this one time account linking process. Customer will have to verify himself by voicing out this Voice PIN whenever Customer wants to use IndusAssist skills on Alexa and providing of such Voice PIN will begin an authenticated session for Customer’s use.  If Customer does not interact with the IndusAssist Skill for a duration of 8 seconds, Customer’s authenticated session will expire and Customer will be prompted to provide his Voice PIN again for security purposes in order to interact with the IndusAssist Skill.
  2. If Customer does not remember his Voice PIN, then the Customer should use the feature "Forget Voice PIN".
  3. If Customer says his Voice PIN incorrectly for 3 times, his IndusInd Bank Account will be unlinked from the IndusAssist Skill.  To relink your IndusInd Bank Account to the IndusAssist Skill, Customer will have to disable the IndusAssist Skill from the Alexa App and then re-enable the IndusAssist Skill and link it to Customer’s IndusInd Bank Account in accordance with this "Linking Customer’s Account" section.
  4. Customer’s Account User ID and Password are not visible to or shared with Amazon.

Unlinking Your Linked Account

  1. Customer can, at any time, unlink his Linked Account by disabling the IndusAssist Skill. To disable the IndusAssist Skill, Customer shall open the Alexa app on his personal device, search for "IndusAssist" under "Skills" in the menu, then select "DISABLE SKILL." Alternatively Customer can also call IndusInd Bank Customer care team and request to disable Alexa skills on his/her Id after providing HRV credentials required for customer verification.
  2. Customer can re-link his unlinked IndusInd Bank account in accordance with "Linking Customer’s Account" section.
  3. On linking of Customer’s IndusInd Bank Account to the IndusAssist Skill Customer will be able to start availing the Facility through the IndusAssist Skill and will be able to do Voice Banking.
  4. IndusInd Bank reserves the right to refuse or reject any request placed by the Customer through Voice Banking, at its discretion.
  5. The Voice Banking through IndusAssist Skill can only be accessed and used by the Customer and Customer should not expose his personal device to others or otherwise share his IndusAssist Skill Facility credentials with anyone.
  6. The Customer is responsible for ensuring the accuracy and authenticity of the instructions provided to IndusInd Bank while availing the Facility. The Responses, if any, would be sent on the Mobile Phone Number, last registered with IndusInd Bank while applying for Facility.
  7. Where IndusInd Bank considers the instructions to be inconsistent or contradictory or observes any suspicion, it may seek clarification from the Customer before acting on any instruction of the Customer or at its sole discretion refuse to act upon any such instruction as it may deem fit.
  8. IndusInd Bank shall have the right to suspend the services under the Facility if IndusInd Bank has reason to believe that the Customer's instructions may lead to direct or indirect loss or may require an indemnity from the Customer before continuing to operate the Facility. The Customer acknowledges that the provision of the Facility is dependent on the infrastructure, connectivity and services to be provided by service providers engaged by IndusInd Bank or otherwise. The Customer accepts that timelines, accuracy and readability of responses sent by IndusInd Bank will depend on factors affecting other service providers engaged by IndusInd Bank or otherwise. IndusInd Bank shall not be liable for any delay in effecting the transactions / requests placed through Voice Banking or non-delivery or delayed delivery of responses, error, loss or distortion in transmission of responses to the Customer.

AUTHORITY TO INDUSIND BANK

The Customer irrevocably and unconditionally authorises IndusInd Bank to access all his Account/s for effecting banking or other transactions through the Facility and to share the Account information with any third parties for the purpose of accepting/ executing such requests of the Customers.
The Customer accepts that all information /instructions including Alexa chat history will be transmitted to and /or stored at various locations at IndusInd Bank and for such period as required under applicable legal and regulatory requirements and pursuant to internal policies of IndusInd Bank and can be accessed by personnel of IndusInd Bank.
IndusInd Bank may use personal information or any information shared by the Customer and recorded at Alexa device or Alexa App or in Alexa chat history while availing the Facility, to provide the Customer with services & products explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, measure consumer interest in bank’s services, inform you about offers, products, services, updates, customize your experience, detect & protect IndusInd Bank against error, fraud and other criminal activity, enforce IndusInd Bank’s terms and conditions, to send the Customer offers based on Customer’s previous orders and interests etc.

RECORDS

All records of IndusInd Bank generated by the transactions arising out of use of the Facility including Alexa Chat History and the time of the transaction recorded shall be conclusive proof of the genuineness and accuracy of the transactions and in the event of any dispute, the records maintained with IndusInd Bank shall be conclusive and binding on the Parties.

ACCURACY OF INFORMATION

The Customer undertakes to provide accurate and complete information wherever required and shall be solely responsible for the correctness and completeness of information provided by him to IndusInd Bank at all times, including, but not limited to, for the purposes of availing of the Facility. IndusInd Bank shall not be liable for consequences arising out of erroneous information supplied by the Customer. If the Customer suspects that there is an error in the information supplied by Bank to him, he shall advise IndusInd Bank as soon as possible. IndusInd Bank will endeavor to correct the error wherever possible on a best effort basis. While IndusInd Bank will take all reasonable steps to ensure the accuracy of the information supplied to the Customer, IndusInd Bank shall not be liable for any inadvertent error, which results in the providing of inaccurate information.

LIMITATION OF LIABILITY

IndusInd Bank shall not be responsible for any failure on the part of the Customer to utilize the Facility due to the Customer not being within the geographical range within which the Facility is offered or due to connectivity issues of his internet service provider. If the Customer has reason to believe that there has been an unauthorised transaction in the Account or any unauthorized use on his personal device or Alexa device and / or his personal device or Alexa device is lost, he shall immediately inform IndusInd Bank of the same.
The Customer agrees that IndusInd Bank shall not be liable if:

  1. the Customer has breached any of the terms and conditions, contained herein or
  2. the Customer has contributed to or the loss is a result of failure on part of the Customer to advise IndusInd Bank within a reasonable time about unauthorised access of or erroneous transactions in the Account by use of the Facility; or
  3. as a result of failure on part of the Customer to advise IndusInd Bank of a change in or termination of the Customer's Mobile Phone Numbers.
  4. there has been an unauthorized transaction in the Account as a result of any person having control or custody of telecommunications instrument (such as the Alexa device, mobile handset) so that such instrument may be misused or any other issue/default/error/technological problem in the Alexa device or personal device or duplication of mobile number/ SIM of the Customer such as but not limited to SIM card cloning, virus in handset or Alexa device etc.
  5. IndusInd Bank shall endeavor to provide the Facility on a best effort basis and the Customer shall not hold IndusInd Bank liable for non-availability of the Facility or non-performance by service providers, if any, engaged by IndusInd Bank or any loss or damage caused to the Customer as a result of use of the Facility for causes which are not attributable to IndusInd Bank or causes which beyond reasonable control of IndusInd Bank. IndusInd Bank shall not be liable in any manner to the Customer in connection with the use of the Facility.

IndusInd Bank shall not be held responsible for the confidentiality, secrecy and security of the personal or Account information being sent through the Facility.
The Customer agrees that the access to the Facility shall be only through the Registered Alexa device and any transaction which originates from the same shall be deemed to have originated from the Customer.

Under no circumstance, IndusInd Bank shall be held liable if the Facility is not available for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or failure at the end of Amazon or any other reason beyond the control of IndusInd Bank. IndusInd Bank shall not be liable under any circumstances for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Customer or by any other person. Illegal or improper use of the Facility shall render the Customer liable for payment of financial charges as decided by IndusInd Bank or will result in suspension of the Facility for the Customer.

IndusInd Bank is in no way liable for any error or omission in the services provided by Amazon or any cellular or any third party service provider (whether appointed by IndusInd Bank in that behalf or otherwise) to the Customer, which may effect the Facility.

IndusInd Bank, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the Facility. IndusInd Bank makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Customer or by any person resulting from or in connection with the Facility.

Without limitation to the other provisions of this terms and conditions, IndusInd Bank, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of IndusInd Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the Alexa device of the Customer and IndusInd Bank's system or any breakdown, interruption, suspension or failure of the Alexa device of the Customer, IndusInd Bank's system or the network service provider and/or any third party who provides such services as is necessary to provide the Facility.

Notwithstanding anything in the contrary provided in this terms and conditions, IndusInd Bank shall not be involved in or in any way liable to the Customer for any dispute between the Customer and a network /internet service provider or Amazon or any third party service provider (whether appointed by IndusInd Bank for such purpose or otherwise).

The Customer agrees that IndusInd Bank may hold and process his personal information concerning his Account/s on computer or otherwise in connection with the Facility as well as for analysis, credit scoring and marketing. The Customer also agrees IndusInd Bank may disclose, in strict confidence, to other institutions, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive, for credit rating by recognized credit scoring agencies, or for fraud prevention or to RBI or any other regulatory authority as may be required or to Information Utility under Insolvency and Bankruptcy Code, 2016.

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 for damages to IndusInd Bank.
The Customer is solely responsible for protecting his Voice PIN or any other password that may be issued by IndusInd Bank for the use of the Facility.

  1. any unauthorised use of the personal device of Customer or Customer's Voice PIN or for any fraudulent, duplicate or erroneous instructions given by use of the Customer's voice PIN or by fraudulently recording and misusing the Customer’s voice or by fraudulently using voice modulation that of Customer to access the Voice Banking;
  2. acting in good faith on any instructions received by IndusInd Bank from or on behalf of the Customer in relation to the Facility;
  3. error, default, delay or inability of IndusInd Bank to act on all or any of the instructions given by the Customer
  4. loss of any information/instructions in transmission;
  5. unauthorized access by any other person to any information /instructions given by the Customer or breach of confidentiality;
  6. IndusInd Bank will not be concerned with any dispute between the Customer and Amazon with respect to Alexa App, through which the Facility is being availed by the Customer. IndusInd Bank makes no representation or gives no warranty with respect to the quality of the service provided by Amazon.

INDEMNITY

In consideration of IndusInd Bank providing the Facility, the Customer, at his own expense, agrees to indemnify, defend and hold harmless, IndusInd Bank, its directors and employees, representatives, agents and/or the Affiliates, as the case may be, against all losses, damages, expenses, actions, claims, demands and proceedings whatsoever, that IndusInd Bank may incur, sustain, suffer or be put to at any time as a consequence of acting on or omitting or refusing to act on any instructions given by the Customer or otherwise for use of the Facility.
The Customer agrees to indemnify, defend and hold harmless IndusInd Bank, against any loss incurred by the Customer due to failure to provide the services offered under the Facility or any delay in providing the services due to any failure or discrepancy in the network of the cellular service provider or due to any failure in Alexa App or any other system failure at Amazon’s end. The Customer agrees to indemnify, defend and hold harmless, IndusInd Bank from any losses occurring as a result of the:

  1. the Customer permitting any third parties to use the Facility.
  2. the Customer permitting any other person to have access to his personal device which Alexa App is registered device or as a consequence of leaving such personal device unattended or loss of such device or sharing his Voice PIN with any person.
  3. Customer permitting any person to record his voice which might be misused for using the Voice Banking Facility being availed by the Customer

FEES

IndusInd Bank shall have the discretion to charge such fees as it may deem fit from time to time and may at its sole discretion, revise the fees for use of any or all of the Facility, by notifying the Customer of such revision. The Customer may, at any time discontinue or unsubscribe to the said Facility. The Customer shall be liable for payment of such charges which may be levied by any Amazon in connection with availing of the Alexa facility and IndusInd Bank is in no way concerned with the same. The charges payable by the Customer is exclusive of the amount payable to Amazon for availing Alexa facility and would be debited from the account of the Customer on a monthly basis. The Customer shall be required to refer to the schedule of fees put up on the IndusInd Bank website from time to time.

MODIFICATION

IndusInd Bank shall have the absolute discretion to amend or supplement any of the Terms and Conditions, features and benefits in relation to the Facility. IndusInd Bank may communicate the amended Terms and Conditions by hosting the same on its website or in any other manner as decided by IndusInd Bank. The Customer shall be responsible for regularly reviewing these Terms and Conditions, including amendments thereto as may be posted on the website and shall be deemed to have accepted the amended Terms and Conditions by continuing to use the Facility.

TERMINATION

The Customer may request for termination of the Facility at any time by giving a written notice to IndusInd Bank or through any other medium made available by IndusInd Bank. The Customer will continue to be responsible for any services availed that may have been effected using the Facility prior to such cancellation of the Facility.
IndusInd Bank may, at its discretion, withdraw temporarily or terminate the Facility, either wholly or in part, at any time without giving prior notice to the Customer. IndusInd 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. IndusInd Bank shall endeavor to give a reasonable notice for withdrawal or termination of the Facility.
The closure of all Account/s of the Customer will automatically terminate the Facility. IndusInd Bank may suspend or terminate Facility without prior notice if the Customer has breached these Terms and Conditions or IndusInd Bank learns of the death, bankruptcy or lack of legal capacity of the Customer.

NOTICES

IndusInd Bank and the Customer may give notice under these Terms and Conditions electronically to the mailbox of the Customer (which will be regarded as being in writing) or in writing by delivering them by hand or by sending them by post to the registered address of the Customer, last recorded with IndusInd Bank. In addition, IndusInd Bank shall also provide notice of a general nature regarding the Facility and the Terms and Conditions, which are applicable to all Customers using the Facility, on its website and/ or also by means the customised messages sent to the Customer over his mobile phone as short messaging service ("SMS") or other mode as may be deemed fit by IndusInd Bank. Such notice will be deemed to have been served individually to each Customer.

GOVERNING LAW

These Terms and Conditions shall be governed by laws of India. Any dispute or differences arising out of or in connection with the Facility shall be subject to the exclusive jurisdiction of the Courts of Mumbai.

RECEIVING RESPONSES

The Customer is responsible for intimating to IndusInd Bank any change in his Mobile Phone Number or email address or Account details and IndusInd Bank will not be liable for sending Responses or other information over the Mobile Phone Number/email address recorded with IndusInd Bank.
The Customer acknowledges that to receive Responses, his Mobile Phone Number must be active and accessible. The Customer acknowledges that if the Customer's Mobile Phone Number remains inaccessible for a continuous period (such period dependent upon service providers) from the time a Response is sent by IndusInd Bank, that particular Response may not be received by the Customer.

MISCELLANEOUS

IndusInd Bank may at any time provide the Customer with details of the various products, offers and services offered or to be offered by IndusInd Bank Limited through the Facility.
The confirmation of transactions initiated by customer will be provided by way of SMS to the mobile number registered for Indus Mobile.
The Customer authorises IndusInd Bank to utilize the information provided by him for availing the Facility, for the purposes of information provided by IndusInd Bank in its applications, surveys, mailing lists and other purposes. IndusInd Bank may use this information to develop mailing lists that may be used by companies with whom IndusInd Bank shall work to develop marketing offers for the Customers.
IndusInd Bank reserves the right to revise the policies, features and benefits offered through the Facility from time to time and may notify the Customer of any such revisions/changes in any manner as deemed appropriate. The Customer will be bound by such revisions/changes unless the Customer terminates the Facility.
The Customer shall comply with all such terms and conditions as IndusInd Bank may prescribe from time to time for facilities/ services availed of by the Customer.
These Terms and Conditions are specific to the Facility being availed by the Customer and shall be in addition to all such terms and conditions as may be applicable to other services / products being availed by the Customer while availing the Facility or effecting the transactions / requests under the Facility.

SET-OFF

(i) IndusInd Bank shall have the paramount right of set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits of any kind and nature (including fixed deposits) held/ balances lying in any other Account/s of the Customer maintained with IndusInd Bank, whether in single name or joint name(s) and on any monies, securities, bonds and all other assets, documents and properties held by/ under the control of IndusInd Bank (whether by way of security or otherwise pursuant to any contract entered/ to be entered into by the User in any capacity) towards the satisfaction of the Customer’s liability under the Facility. IndusInd Bank is entitled without any notice to the Customer, to settle any indebtedness whatsoever owed by the User to IndusInd Bank, (whether actual or contingent, or whether primary or collateral, or whether joint and/or several) hereunder or under any other document/ agreement, by adjusting, setting-off any deposit(s) and/or transferring monies lying to the balance of any Account/s held by the Customer with IndusInd Bank notwithstanding that the deposit(s)/ balances lying in such Account/s may not be expressed in the same currency as such indebtedness. IndusInd Bank’s rights hereunder shall not be affected by the Customer’s bankruptcy, death or winding-up. It shall be the Customer’s sole responsibility and liability to settle all disputes/ objections with any such joint account holders.
(ii) In addition to the above mentioned right or any other right which IndusInd Bank may at any time be entitled whether by operation of law, contract or otherwise, IndusInd Bank is authorized / will be entitled: (a) to combine or consolidate at any time all or any of the Accounts and liabilities of the Customer with or to any branch of IndusInd Bank; (b) to sell or otherwise dispose off any of the Customers’ securities or properties held by IndusInd Bank by way of public or private sale or otherwise without having to institute any judicial proceeding whatsoever and retain/appropriate from the proceeds derived there from the total amounts outstanding to IndusInd Bank from the Customer, including costs and expenses in connection with such sale or disposal; and (c) in case of cross currency set-off, to convert an obligation in one currency to another currency at a rate determined at the sole discretion of IndusInd Bank.

GRIEVANCE-REDRESSAL

For Banking Customers
You may login your complaint relating to services provided by our Bank as under:
Register at Branch through complaint register
Contact the Branch Manager
Call Contact Center on following nos. between 8 am to 11 pm from Monday to Saturday and 10 am to 6 pm on Sundays.
All Customers: 18605005004 / 022-44066666 1800 22 0061.
Send email to Contact Centre at reachus@indusind.com or at exclusive@indusind.com or atselect@indusind.com based on your account
NRI customers may E-Mail us at nri@indusind.com

In case, Branch / Contact Centre are unable to resolve the issue within 7 working days, please escalate the same to the Regional Heads through Head - Customer Care as under:
Email to customercare@indusind.com
Write to Head - Customer Care at - Mr. Vishal Anand, Head - Customer Care, OPUS Center, 47, Central Road, Opp. Tunga Paradise Hotel MIDC, Andheri (East), Mumbai 400093

In case you don’t receive a response from Head - Customer Care within 7 days, you may call/write to the Nodal Officer at the address/email/contact nos. provided below:
Ms. Anita Verghese, Senior Vice President, Banking Operations IndusInd Bank Ltd., 701/801 Solitaire Corporate Park, 167, Guru Hargovindji Marg, Andheri-Ghatkopar Link Road, Chakala Andheri (East), Mumbai - 400 093. E-mail:  nodal.officer@indusind.com Tel. No.: (022) 6641 2200, 6641 2319, Fax: (022) 6641 2318

*The above mentioned Terms & Conditions shall be read in consonance with Terms & Conditions applicable to Indus Mobile Banking, Internet Banking, and Robotic Banking (if any).
**The above facility shall not include any direct or indirect financial transactions.