For ICICI Bank Limited, Sri Lanka Branch ('ICICI Bank', 'we', 'our' or 'us'), an important part of our commitment to providing our customers ('Customer', 'you' or 'your') with excellent service is our respect for your right to privacy. While safeguarding your information is the cornerstone of our ability to provide excellent service, our most important asset is our Customers' trust. Ensuring that your personal information (information that refers to you specifically as our customer) is kept secure, is a top priority for us.
ICICI Bank is committed to maintaining the accuracy, confidentiality and security of your personal and financial information. As part of this commitment, we have established 'Eight Privacy Principles' to govern our actions relating to the use of Customer information.
Eight Privacy Principles
- Accountability:
ICICI Bank is responsible for maintaining and protecting Customer information that is under our control. For any queries, please address your queries to us at the address provided at the end of this Privacy Policy
- Identifying Purposes:
To the extent practicable, we will identify and document the purposes for which personal information is collected at or before the time such information is collected. The information that we may request will depend on the product(s) or service(s) you have selected. Most of the information collected comes directly from you when you apply for financial products or services. We may also require provision of information from the credit bureau, income sources and personal references you have provided to us. Obtaining additional information from such third parties helps us, among other things, to assess your eligibility for our products or services.
We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us. In the unlikely event that customers receive unsolicited requests for information through email or the telephone from us, the customer should contact his/her relationship manager immediately, so that we can immediately stop making such unsolicited queries to the customer. We will use any information collected for the purposes it was collected and in accordance with applicable law, mainly to assist us in customizing and delivering services and products to our customers. Under no circumstances will we ask customers to reveal their Personal Identification Numbers (PINs) or Passwords for our Direct Banking services.
- Handling of Customer Information:
We have established strict confidentiality standards for safeguarding customer information.
- Disclosure of Customer Information:
Unless pursuant to and in accordance with applicable law or in connection with or in the ordinary course of providing services to you or in order to protect/ safeguard the interests of ICICI Bank and/ or its affiliates, we will not disclose customer information to external parties.
- Compliance By External Parties:
External parties who, in the course of providing support services to us, may come into contact with customer information, are required to observe our privacy standards.
- Accuracy:
Customer information should be maintained in as accurate, complete and up-to-date form as is necessary for us to serve you. To help us keep your personal information up-to-date, you are required to keep us informed of any changes to your personal and other particulars. If you find any errors in our information about you, let us know and we will make the corrections as soon as reasonably practicable.
- Safeguarding Customer Information:
We will protect your personal information with appropriate safeguards and security measures.
We use a variety of security measures such as restricting employee access to files and data centers, using fireproof and locked file cabinets, and employing a variety of electronic security measures, such as passwords, personal identification numbers and data encryption techniques.
We use the 128-bit SSL encryption which is the commercially available security protocol for encrypting or scrambling data transmitted over the Internet. It is also currently recognized internationally to be of the highest standard in encryption technology commercially available and is generally adopted by banks in Sri Lanka and financial institutions worldwide.
Only your valid username and Password which identify you uniquely, will allow you to log in to our secure web site(s). This ensures that messages from authorised users only are admitted into our secure site(s).
- Customer Concerns:
If you have any questions, concerns or problems about privacy, confidentiality or how a request for information was handled, please write to/e-mail us (marking the same to the attention of the Anti Money Laundering officer) at the below noted address or call/fax us at the below noted numbers:
ICICI Bank Limited,
Sri Lanka Branch
58 Dharmapala Mawatha
Colombo 7
Sri Lanka
Tel : 0094-11-4242400
Fax :0094-11-4719611
In the course of using the Website or availing the products and services vide the online application forms and questionnaires, ICICI Bank and its Affiliates may become privy to the personal information of Visitors (as defined in the Terms and Conditions, available elsewhere on this website), including information that is of a confidential nature.
ICICI Bank is strongly committed to protecting the privacy of Visitors and while it has taken all necessary and reasonable measures to protect the confidentiality of the Visitor information and its transmission through the world wide web, it shall not be held liable for disclosure of the confidential information when in accordance with this Privacy Policy or in terms of the agreements, if any, with Visitors.
ICICI Bank uses 128-bit encryption, which is currently the permitted level of encryption in Sri Lanka, for the transmission of Visitor registration and transaction requests and information. When the information provided by Visitor is not transmitted through this encryption, the Visitor’s computer system (if configured accordingly) will display an appropriate message.
ICICI Bank undertakes not to disclose the information provided by Visitors to any person, unless such action is necessary to:
- Conform to legal requirements or comply with legal process;
- Protect and defend ICICI Bank's or its affiliates' rights, interests or property;
- Enforce the Terms and Conditions; or
- Act to protect the interests of ICICI Bank, its affiliates, or its members, constituents or of other persons
However, the Internet is an open system and ICICI Bank cannot, and does not, guarantee that the personal information which the Registered User furnishes will not be intercepted or accessed by others and decrypted. ICICI Bank, its affiliates and partners, and its and their respective directors, employees, agents and representatives shall not be liable or responsible should any confidential or other information provided by or pertaining to the Visitor (including credit card numbers, bank account numbers, passwords, personal identification numbers, IDs, transaction details, etc.) be intercepted and subsequently used by an unintended recipient.
ICICI Bank will limit the collection and use of Visitor information only on a need-to-know basis to deliver a high level of service to the Visitors. ICICI Bank may use and share the information provided by the Visitors with its affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services, and notifying or contacting Visitors regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the Visitor information to one or more agents and contractors of ICICI Bank and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from ICICI Bank only for these purposes.
Visitors authorise ICICI Bank to exchange, share, part with all information related to the details and transaction history of the Visitor to ICICI Bank’s affiliates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold ICICI Bank liable for use or disclosure of this information.
While ICICI Bank has no obligation to monitor the functioning of this website, Visitors acknowledge and agree that ICICI Bank has the right to monitor the functioning of this website electronically or otherwise from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Website properly or to protect itself, its affiliates and partners, and its and their respective directors, employees agents and representatives.
The records of access, instructions, transactions and other activities maintained or caused to be maintained by ICICI Bank through its or a third party's computer systems or on tape or other recording or storage device or otherwise shall be admissible in evidence, shall not be challenged by the Registered User and shall be accepted as genuine, accurate, conclusive and binding for all purposes including the recording of the time thereof.
Legal Disclaimer
The information contained on this site is for your personal use. You may download material displayed on these pages for noncommercial use. You may not, however, distribute, reproduce, modify, record, transmit, publish, reuse, report, or use the contents of these pages for public or commercial purposes, without ICICI Bank's prior written permission. ICICI Bank shall at all times be vested with all intellectual property rights contained on the materials displayed herein. The information provided herein is on an "as is" basis without warranty of any kinds. ICICI Bank specially disclaims any representations and/or warranties including without limitation any implied warranties. Access and use of the site and the facilities is entirely at your own risk. The services and products being mentioned herein are for your information only and shall not be deemed to constitute solicitation by ICICI Bank and/ or by any of its affiliates for any such products and/or services.
The contents, news, information, artwork, text, video, audio, picture and images on these pages are protected by copyright laws. The sites that are linked from these pages are not under the control of ICICI Bank and it does not assume any responsibility or liability for the material available on such linked sites. Access to and use of such other web sites is at your own risk and subject to the terms and conditions applicable to such access/use. These links are provided for reference and convenience only. ICICI Bank does not warranty the adequacy, accuracy or completeness of the information and/or material contained on this site or on any of the linked sites.
ICICI Bank makes no warranty, representation or guarantee as to content, sequence, accuracy, timeliness, completeness, truthfulness and positioning of the information or the sources that the information may have been obtained from. ICICI Bank makes no warranty, representation or guarantee that the information will be uninterrupted or error free. ICICI Bank does not certify the performance, operation or availability of the site.
ICICI Bank shall have no liability for any loss or injury caused either in whole or in part by acts, omissions or conditions beyond its control in procuring, compiling, delivering information or any omissions, errors or inaccuracies in the information or delays, interruptions in delivery of the information or any decision made, action taken or damage caused in reliance upon the information furnished herein.
Your use of the site and any of the specific services/ products available on the site shall at all times be subject to the General Terms and Conditions and the specific terms and conditions relating to use of the site and each of these services/ products. By making use of this site you hereby agree to comply with such terms and conditions (including modifications thereto) at all times.
The services and products available on the site are in accordance with the rules, regulations and guidelines as prescribed by Government of Sri Lanka and Central Bank of Sri Lanka from time to time and ICICI Bank makes no representations that they are in accordance with the rules, regulations and guidelines of other countries governing similar services and products.
Foreign Exchange rates are subject to fluctuations depending on market movements and other factors. Investments in foreign currency may therefore provide both opportunities and risks. Conversion of foreign currency into your home currency or any other currency may result in gain or loss depending on the prevailing applicable exchange rates. The ability of Sri Lankan residents to invest in foreign currency emanates from the Exchange control act (ECA)No. 24 of 1953.
Remittances through Money2SriLanka will be governed by the Foreign Exchange Management Act, 1999 and the directions and regulations of the Central Bank of Sri Lanka issued from time to time. The CBSL, in the imminence of or during a foreign exchange crisis or in times of national emergency, may temporarily suspend or restrict sales of foreign exchange by the CBSL, subject all transactions in gold/foreign exchange to licensing by the CBSL and require surrender of all foreign exchange obtained by any person or entity to the CBSL or as designated by the CBSL at the then effective exchange rate or rates.
Consequently, your ability to continue with any investments in such situations may be adversely affected. Other exchange controls (whether in Sri Lanka or in the jurisdiction of the currency or investment) may be applicable from time to time. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. In addition, partial withdrawal is not allowed. Premature withdrawal of full deposit amount is also strongly discouraged. Any pre-termination costs incurred will be deducted from the deposit. Please also obtain appropriate legal and tax advice regarding your eligibility, compliance requirements and tax status pertaining to or arising out of the investments.
ICICI Bank makes and has made no representation or warranty as to the quality, condition, fitness and performance of the third party products and services which ICICI Bank shall be distributing as a gift or reward. Further, ICICI Bank does not warranty that any third party products/services shall be uninterrupted, timely, accurate, reliable, correct or secure; that such products/services shall be available at any particular time or location; that any defects or errors will be corrected. ICICI Bank shall not be liable or responsible in any manner whatsoever for any delay in delivery (or non-delivery) of such products/services or any damage costs or for any defect or variation in the quality, condition or fitness or performance of such products/services or any guarantees or warranties given by the manufacturer/dealer/seller of the product/service.
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