Terms & Conditions for "Citi ThankYou^SM Rewards"

1. Citi ThankYou^SM Rewards Program
   
   Citi ThankYou^SM Rewards is a loyalty rewards program offered at the sole discretion of Citibank (Hong Kong) Limited ("Citibank"). Unless otherwise specified, Citi ThankYou^SM Rewards is only applicable to the holders ("Cardholders/Cardmembers") of the following principal cards of all Citi Credit Cards issued by Citibank excluding Citi The Club Credit Card, Citi Cash Back Card, Citi Clear Card and Octopus Citi Credit Card (“Eligible Card”).
   
   The terms "we", "us" and "our" used throughout these terms and conditions refer to Citibank. The terms "you" and "your" throughout these terms and conditions refer to Cardholders/Cardmembers. Citibank is entitled at any time and without any prior notice or liability in any manner whatsoever to terminate Citi ThankYouSM Rewards; cancel or vary its benefits or features; vary, add to or delete any of these terms and conditions; withdraw or change the Cardholders'/Cardmembers' account; modify or limit the value of Points and/or the manner of their redemptions even though any of such acts may diminish the value of the Points already accumulated. Citi Thank You Rewards is valid until it is replaced by a new program or until such time as may be determined by Citibank without prior notice.
   
   
2. Citi ThankYou^SM Rewards Member Account and Points
   
   A Citi ThankYouSM Rewards Member account ("Member Account") will be set up to record your Point activity. Unless otherwise stated in these terms and conditions, Points accumulate and expire and you will be informed thereof in your Eligible Cards statements. Point earned and accumulation can be accessed on your Citi Mobile^® App. Points have no cash value. Points may not be assigned, transferred or pledged to any third party. You have no property rights or other legal interests in Points.
   
   
3. Citi ThankYou^SM Rewards Member Account Closures
   
   Each Eligible Card has a separate Account with Citi ThankYou^SM Rewards. If your Member Account is closed for any reason, you will lose the Points therein Citi ThankYou^SM Rewards. If your Eligible Card is closed, you will no longer be able to accumulate and may lose the Points that you earned through Citibank and through Citi Thank You Rewards on the Eligible Card account.
   
   
4. Point Reductions
   
   Any Points subtracted from your Member Account may reduce or eliminate accumulated Points and may result in a negative Point balance. If such subtractions are applied to your Member Account after a reward for redemption has been selected that reduces your Point balance below the amount required for such reward redemption, Citi ThankYou^SM Rewards may suspend redemption of the requested reward. Your Member Account may be frozen until you have accumulated the Points necessary for redemption. If your Member Account has a negative Point balance, any newly accumulated Points will be used to offset that negative balance.
   
   
5. Member Account Activity
   
   We have the right to monitor all Member Account activity. If required by applicable law or as requested by Citibank, we may freeze your Member Account. If your Member Account is frozen, please contact CitiPhone Banking for further assistance. If your Citi ThankYou^SM Rewards Member Account shows signs of fraud, abuse or suspicious activity, you may lose your accrued Points, and, as a result of this activity, we may close or freeze your Member Account immediately. If you have conducted any fraudulent activity, we reserve the right to take any necessary legal action and may have grounds to confiscate any rewards redeemed as a result of such activity. In addition, you may be liable for monetary losses to Citibank, including litigation costs and damages, and you will not be allowed to participate in the Citi ThankYou^SM Rewards in the future.
   If your Member Account does not represent the correct number of Points that you should have been awarded as determined by us, we reserve the right to adjust your point balance. If you have been awarded Points in error or if you believe your Member Account has been the subject of any suspicious activity, please contact CitiPhone Banking immediately. If it is determined you have been the victim of fraud, the Points you have earned will be transferred to a new Member Account.
   
   
6. Account Delinquency
   
   If your Eligible Card is in default, your Point earning and redemption capabilities may be frozen. Upon extended delinquency status (more than 90 days) your Points will be forfeited.
   
   
7. Liability Disclaimer
   
   Citibank, its affiliates, and any merchants participating in Citi Thank You Rewards make no guarantees, warranties or representations of any kind concerning Citi ThankYou^SM Rewards. All rewards are void where prohibited by applicable local laws or regulations and are subject to change as may be necessary to comply with such laws or regulations. Citibank, its affiliates, and any merchants participating in Citi ThankYouSM Rewards are not liable with regard to the use of rewards that, after receipt, may be lost, stolen or destroyed. All participating Citi ThankYouSM Rewards merchants are in no way affiliated with Citi ThankYou^SM Rewards, nor are they responsible for the administration thereof.
   
   
8. My Undertaking and Responsibilities
   
   
   • I agree not to allow anyone else to operate the Services on my behalf.
   • I shall keep the User ID, Password, Device Password, Card Number, PIN and/or OAC (together the "Security Codes") secure and confidential. I shall not disclose or permit any of the Security Codes to be disclosed to any unauthorized person or control of any unauthorized person. If I discover or suspect that any of the Security Codes are known to someone else, compromised, lost or stolen and/or control of any unauthorized person or that and/or that any authorized use of the Services is being made, I shall immediately inform you via CitiPhone Banking at (852) 2860 0333.
   • I undertake to:
   • keep the Security Codes secret and shall not disclose or permit any of the Security Codes to be disclosed to any unauthorized person or control of any unauthorized person and if I act in good faith and am diligent in safeguarding the Security Codes, I shall not be liable for any unauthorized transactions made through the Services;
   • inform Citibank as soon as reasonably practicable if I know or suspect that someone else knows any of the Security Codes or control of any unauthorized person or that unauthorized transactions have taken place and if I fail to do so I shall be liable for any unauthorized transactions made;
   • be liable for all losses if I act fraudulently or with gross negligence including but not limited to properly safeguard or knowingly allow the use by others of any of the Security Codes. However, I shall not be liable for indirect, special or consequential loss or damages; and
   • 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 or any website established, operated and/or maintained by or on behalf of you (the "Internet Site"), or any software comprised in them.
   • Unless below Clause on Unauthorized Transactions 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).
   • Unauthorized Transactions: Subject to below clause on Liabilities of the Bank, I am also not responsible for unauthorized transactions in the Accounts (if I have not acted fraudulently or with gross negligence) caused by:
   • a computer crime not prevented by Citibank security system;
   • a human or system error caused by Citibank resulting in an improper transaction leading to lost or misplaced funds; or
   • a missed or mis-directed payment caused by Citibank.
   • 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.
   • I shall check my accounts and statements on a regular basis and inform Citibank as soon as reasonably practicable about any errors or unauthorized transactions.
   • 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 unless above Clause on Unauthorized Transactions applies.
9. Liabilities of the Bank
   
   
• Unless there is gross negligence or willful default of you, you shall not be liable to me for - 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;
• 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;
• 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.
• 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.
• 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.
• 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.