Please read carefully the terms and conditions which governs the access to the Citibank Online services. It includes disclaimers of liability and other important matters of interest to users generally. |
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| By pressing the "I agree and accept the Terms & Conditions" checkbox, you will be deemed to have read, fully understood and accepted all relevant provisions in such terms and conditions as binding on you and agree unconditionally to be bound by the terms and conditions and all amendments, revisions and additions which you may at your absolute discretion effect from time to time. |
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Terms and Conditions for Citibank Online User Agreement ("Agreement")
(Effective as of November 26, 2021) |
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| 1 |
Services |
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| 1.1 |
The words "I", "me" and "my" refer to any holder of the accounts maintained with you and including one or more individuals, sole proprietorship, partnership, corporation and unincorporated association or body. The words "you" and "your" refer to any and/or all of Citibank (Hong Kong) Limited (the "Bank"), Citibank, N.A., Hong Kong Branch and Diners Club International (Hong Kong) Limited, as the case may be.
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| 1.2 |
You have the discretion from time to time to determine the scope of functions, features or services ("Services") available on or through Citibank Online, set or change the daily cut-off time, withdraw or discontinue the Services without notice or responsibility to me. Any transaction done via the Services after the daily cut-off time in Hong Kong shall be treated as a transaction at next business day value. |
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| 1.3 |
Your Services enable me to be connected to your data and operation system through internet to have direct access to all or any of my accounts (including but not limited to savings, deposits, investment, secured/unsecured lending facilities and/or credit cards) (the "Accounts"), to provide instructions and/or effect transactions. Access may be made via personal computer, wireless web-enabled device or similar access device as may be allowed by you from time to time ("Device"). My use or continued use of the Services shall constitute my acceptance of this Agreement. |
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| 1.4 |
This Agreement shall be applicable to the Services and any Accounts which I may maintain or open with you from time to time. |
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| 1.5 |
My use of and all transactions and dealings effected by using the Services are subject to these terms, the Terms and Conditions for Accounts and Services and all other terms and conditions applicable to me from time to time including those set out on the website. Such terms and conditions shall apply as if they were expressly extended to the use of the Services. |
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| 1.6 |
This Agreement is supplementary to and not in substitution for any provisions in the Terms and Conditions for Accounts and Services. |
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| 2 |
Security Codes |
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| 2.1 |
To access the Services for the first time, I must register my card number (the "Card Number"), personal identification number ("PIN") and my account number (where applicable) issued or assigned by you online or in such other manner as you may from time to time specify.
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| 2.2 |
I must subsequently choose my own user identification code (the "User ID") and password (the "Password") to access the Services and I may choose to change the User ID and Password at any time upon acceptance by you. |
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| 2.3 |
To access the Services, you may in your sole discretion require me to use a one-time password (the "OTP") generated by an electronic security device (the "Security Device", which may be in the form of a hard token Citi Mobile Token or other devices as designated by the Bank from time to time) or sent by the Bank to my mobile phone number registered with you via SMS message. I understand that I may be required to designate and use an unlock code ("Unlock Code") or Fingerprint Authentication/Touch ID/Face ID or any other biometric sensor/authentication technology (where applicable) in order to protect the access and use of the Security Device or the Device. It is my sole responsibility to apply to you for such Security Device or a replacement of the same in case of loss or malfunction. |
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| 2.4 |
For certain Services and transactions as determined by you from time to time and for extra security protection, you may, in your sole discretion, require me to obtain a one-time online transaction authorization code ("OAC") which you may use to authenticate my identity, instructions and/or banking transactions. The OAC may be sent to me via the Security Device, my mobile phone number registered with you via SMS message or in such other manner as you may from time to time specify. Without the OAC, I may not be able to proceed with the transaction via the Service and I will have to effect any such transactions via any branches of the Bank or by other means as notified by you. |
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| 2.5 |
I understand that Citi Mobile Token is a function in-built and linked to Citibank Mobile Application and enables me to generate an OTP and/or OAC to authorize transactions without the use of a hard token. To use Citi Mobile Token, I will need to register Citi Mobile Token via Citibank Mobile Application installed on my Device (as may be acceptable to you from time to time). Citi Mobile Token involves creating and storing a unique soft token on my Device. Once bound with such soft token, my Device could be recognised by the Bank for authenticating my identity or other similar purposes. I understand that if I wish to stop using Citi Mobile Token or otherwise wish to unbind my Device with the registered soft token, I can do so by unregistering Citi Mobile Token or changing my Citibank Online Password. |
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| 2.6 |
I understand that the Citi Mobile Application has an in-built enhanced security function for login authentication and transaction authorization without the use of a hard token or Citi Mobile Token. To use the enhanced security function of Citi Mobile Application, I will need to register via Citi Mobile Application installed on my Device (as may be acceptable to you from time to time). Once bound with enhanced security function, my Device could be recognised by the Citi Mobile Application for authenticating any transaction as being conducted by the bound Device or other similar purposes. I understand that the enhanced security function can be enabled in Citi Mobile Application on one single device only at any given time and enabling enhanced security function on Citi Mobile Application with the same login details on a different device will disable its availability on previous device. |
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| 3 |
My Instructions |
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| 3.1 |
You are hereby authorized (but are not obliged) to treat and consider as valid and binding on me any instruction given, or agreement made with you, through internet by any person using any of the Security Codes (as defined hereinafter) without making any inquiry as to the authority or identity of the person making or purporting to give such instructions or their authenticity notwithstanding any error, misunderstanding, fraud, forgery or lack of clarity in or authorization for their terms. You shall be entitled but not obliged to investigate the authenticity or authority of persons registering, using or generating my Security Codes (as defined below).
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| 3.2 |
Advice or confirmation that an instruction has been received and/or a transaction has been effected through the Services may be provided by you. I acknowledge that there may be a time lag in transmission of instructions, information or data via the Services and such advice or confirmation pertaining to the Services shall not for any purpose whatsoever be taken as conclusive of my account balance and transaction status. |
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| 3.3 |
Any instructions given in connection with the Services by quoting any of the Security Codes (as hereinafter defined) as prescribed by you, once given, may not be rescinded or withdrawn without your consent. All such instructions given, as understood and acted on by you in good faith, shall be irrevocable and binding on me whether given by me or by any other person purporting to be me. You shall be under no duty to verify the identity or authority or the person giving such instruction or the authenticity of such instructions apart from verifying the Security Codes (as hereinafter defined) provided or submitted. |
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| 4 |
My Undertaking and Responsibilities |
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| 4.1 |
I agree not to allow anyone else to operate the Services on my behalf. |
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| 4.2 |
I shall keep the User ID, Password, OTP, Card Number, PIN, Fingerprint Authentication/Touch ID, Face ID and/or other biometric credentials, Unlock Code and/or OAC (together the "Security Codes") and the Security Device secure and confidential. I shall not disclose the Security Codes or permit any of the Security Codes to be disclosed to any unauthorized person or allow the Security Device to come into possession or control of any unauthorized person. |
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| 4.3 |
If I discover or suspect that any of the Security Codes are known to someone else, compromised, lost or stolen and/or that the Device, my registered phone number, the related SIM card or the Security Device is lost or has otherwise come into possession or control of any unauthorized person or that and/or that any unauthorized use of the Services is being made, I shall immediately inform you via CitiPhone Banking (852) 2860 0333 and, for security protection, immediately change my Citibank Online Password.
I undertake:
(i) to keep the Security Codes secret and the Security Device secure and shall not disclose or permit any of the Security Codes to be disclosed to any unauthorized person or allow the Security Device or the Device to come into possession or control of any unauthorized person and if I act in good faith and am diligent in safeguarding the Security Codes and the Security Device, I shall not be liable for any unauthorized transactions made through the Services;
(ii) to inform you as soon as reasonably practicable if I know or suspect that someone else knows any of the Security Codes or that the Security Device or the Device has come into possession or control of any unauthorized person or that unauthorized transactions have taken place or if the Device or Security Device is lost or stolen, and if I fail to do so I shall be liable for any unauthorized transactions made;
(iii) to be liable for all losses if I act fraudulently or with gross negligence including, but not limited to, failing to properly safeguard, or knowingly allow the use by others of, any of the Security Codes or the Security Device or the Device. However, I shall not be liable for indirect, special or consequential loss or damages;
(iv) not to decompile, reverse-engineer, translate, convert, adapt, alter, modify, enhance, add to, delete or in any way tamper with, or gain access to, any part of the Services, the Security Device or any website established, operated and/or maintained by or on behalf of you (the "Internet Site"), or any software comprised in them;
(v) to use a PIN number or other security code to prevent unauthorized access to my mobile devices, tablets or other wireless web-enabled device or other device used to access the Services (the "Device");
(vi) not to leave the Device or Security Device I am using unattended while I am using the Device to access the Services or Security Codes and to make sure that any information and Security Codes stored or displayed on the Device or Security Device is kept secure;
(vii) to delete the application offered by the Bank for accessing the Services from my Device if I change device or dispose of it;
(viii) to only use the Device in accordance with its manufacturer's instructions and ensure that its security software is up to date, that the Device is working properly and that I have followed the operating instructions when using the Device; and
(ix) to ensure that the Device does not have any computer viruses, bugs or other malicious, destructive or corrupting software, code, agent, program or macros, and/or phishing or social engineering schemes which utilise computer software or telecommunications to obtain my personal data or User ID, Password, OTP, Card Number, PIN, Fingerprint Authentication/Touch ID, Face ID and/or other biometric credentials, Unlock Code and/or OAC or any other information related to me for malicious or fraudulent purposes, including, without limitation, through Structured Query Language injections, cross site scripting, worms, Trojan horses, adware or spyware. |
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| 4.4 |
Unless Clause 4.5 applies, I shall be fully liable and responsible for all consequences arising from or in connection with the use of the Services (including, without limitation, the use of any of the Security Codes or the Security Device). |
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| 4.5 |
Subject to clause 5.1, I am not responsible for unauthorized transactions in the Accounts (if I have not acted fraudulently or with gross negligence) caused by:
(i) a computer crime not prevented by your security system;
(ii) a human or system error caused by you resulting in an improper transaction leading to lost or misplaced funds; or
(iii) a missed or mis-directed payment caused by you. |
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| 4.6 |
In case any Account which is accessible through the Services is a joint or partnership account, I shall be responsible for the liabilities and obligations of the other account holder(s) or partner(s) howsoever arising on a joint and several basis.
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| 4.7 |
I shall check my accounts and statements on a regular basis and inform you as soon as reasonably practicable about any errors or unauthorized transactions. |
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| 4.8 |
I shall indemnify you against all liabilities, claims, demand, losses, damages, costs, charges and expenses of any kind (including, without limitation, legal fees on a full indemnity basis) which may be incurred by you and all actions or proceedings which may be brought by or against you in connection with the provision of the Services or the exercise of your powers and rights under these Terms and Conditions, unless due to your gross negligence or willful default or Clause 4.5 applies. |
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| 5 |
Liabilities of the Bank |
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| 5.1 |
Unless there is gross negligence or willful default of you, you shall not be liable to me for
(i) use of the Services and/or access to any information as a result of such use by me or any other person whether or not authorized;
(ii) any interruption, interception, suspension, delay, loss, unavailability, mutilation or other failure in providing the Services (including but not limited to any interruption, interception, suspension, delay or failure to generate the Device Password and/or the OAC), in transmitting instructions or information relating to the Services or in connecting with the website caused by any acts, omissions or circumstances beyond your reasonable control, including without limitation any computer, telecommunication, electrical or network failure;
(iii) transmission and/or storage of information and/or data relating to me, the Services and/or transactions or dealings conducted by me pursuant to the Services through or in any system, equipment or instrument of communication network provider. |
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| 5.2 |
You do not warrant or represent that the Services and the Internet Site are free from virus or other destructive features which may adversely affect my hardware, software or equipment. |
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| 5.3 |
You will make reasonable efforts to ensure that the Security Device provided to me will perform as necessary to permit access to the Services. I will notify you immediately if any Security Device fails to function correctly. You may, if you are satisfied at your sole discretion that the Security Device's failure to function correctly is not caused by default or negligence on my part, replace the same with a new Security Device. You shall not have any liability for breach of any implied term as to satisfactory quality, merchantability or fitness for purpose of any Security Device. You will not be held liable for any loss or damages incurred or suffered by me arising from my failure to safe-keep and/or use the Security Device in accordance with your instructions and recommendations.
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| 5.4 |
Subject to the provisions herein, if you are found liable for your acts or omissions for any reason whatsoever, your liability shall be limited to the amount of the relevant transaction or my direct damages whichever is less. You shall not be liable to me for any indirect, special or consequential loss or damages. |
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| 5.5 |
In connection with any transfer of funds through the use of the Services to a third party account maintained with you or other financial institutions or persons, you will not assume any responsibility or obligation for any transfer or error arising out of my failure to provide or input sufficient or accurate data to enable my proposed transfer. |
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| 6 |
Service Fee |
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| 6.1 |
You may from time to time charge a service fee at such rate as you may notify me for my use of your Services. All charges associated with gaining access to the Services will be borne by me. |
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| 7 |
Supply and Disclosure of Information |
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| 7.1 |
I and (if applicable) each of our partners/committee members/directors understand and agree that my/his use of any of your facilities and services and all account(s) opened by me/him will be governed by the Policy Statement relating to the Personal Data (Privacy) Ordinance ("PDPO Policy") available on the website maintained by you. I and (if applicable) each of our partners/committee members/directors hereby understand that the PDPO Policy contains your policies and practices from time to time in force relating to personal data, including without limitation its collection, use, possession, dispatch, transmission, access and correction and other matters incidental thereto. |
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| 7.2 |
I and (if applicable) each of our partners/committee members/directors understand that my/his data may be disclosed to, processed or kept by your service providers and other classes of persons as set out in the PDPO Policy. |
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| 7.3 |
I and (if applicable) each of our partners/committee members/directors may always contact such persons referred to in the PDPO Policy to gain access to and request correction to me/his information provide to you. |
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| 7.4 |
In order to ensure my secure access to the Services and/or Citibank Mobile Application as well as for fraud prevention purpose, you will use cookies, web logs (information about how I use the Services and/or Citibank Mobile Application) and remote scanning technologies to obtain information, to improve security of the Services and/or Citibank Mobile Application and to detect malware, threats and vulnerabilities that may affect security of the Services and/or Citibank Mobile Application. I acknowledge and agree that you may collect, transmit, store, and use technical, location, and other personal data and information, including but not limited to technical information about my Device such as IP address and/or Device ID, system and application software, and peripherals, and information regarding my location for such purposes. You may restrict my access to the Services and/or Citibank Mobile Application if such remote scanning detects any signs of suspicious online transactions/activities, potential malware, other online threats or system vulnerabilities. I will be held responsible for using a Device that shows signs of potential malware infection and affects the security of the Services and/or Citibank Mobile Application. |
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| 7.5 |
>When I use the Services and/or Citibank Mobile Application, you and third parties that you work with may use cookies and/or pixel tags to collect information (for example, time and duration of my use of the Services/Citibank Mobile Application, pages I viewed while using the Services/Citibank Mobile Application) and store my preferences. You may use the information for security purpose, to facilitate navigation, to display information more effectively, and to personalize my experience while using the Services and/or Citibank Mobile Application, as well as for online tracking and marketing purposes. You may recognize my Device to assist my use of the Services and/or Citibank Mobile Application. You may also gather statistical information about the usage of the Services and/or Citibank Mobile Application for security, fraud prevention and marketing purposes, and to continually improve the design and functionality and understand how the Services and/or Citibank Mobile Application are used and to assist you with resolving questions or issues regarding the Services and/or Citibank Mobile Application. You may also use cookies to select which of your advertisements or offers are most likely to appeal to me and display them while I am online. You may also use cookies in online and mobile advertising to track responses to advertisements and to measure the success of marketing campaigns. |
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| 7.6 |
As your customer, I understand the data submitted by me and/or collected by you through use of the Services and/or Citibank Mobile Application will also be governed by your Policy Statement relating to the Personal Data (Privacy) Ordinance available on www.citibank.com.hk. |
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| 8 |
Amendments and Cancellation |
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| 8.1 |
You have the right to amend, add, delete, replace or supplement any of this Agreement at any time by giving notice to me, and the same shall become binding on me from the date of their adoption by you and shall be deemed to have come to my attention by their being displayed at the websites or any other mode which you deem fit.
I understand and accept that if I do not agree to this Agreement or its amendment, addition, deletion, replacement or supplement from time to time, I will be denied to (1) online banking access, (2) mobile online banking access, (3) and the access to view e-statement and e-advice.
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| 8.2 |
I may cancel the use of the Services at any time by giving notice through the CitiPhone Banking (852) 2860 0333 or by using any other methods as you may notify me from time to time. |
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| 9 |
Law and Jurisdiction |
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| 9.1 |
The Services and the Agreement shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People Republic of China ("Hong Kong"). I hereby irrevocably submit to the non-exclusive jurisdiction of the Hong Kong courts. |
Citibank, N.A.
Organized under the laws of USA with limited liability |
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