MyBank India for Retail and Individual Accounts

FaceID Authentication Login Service - Terms and Conditionsions

Terms Of Use
  • These supplemental terms and conditions are further to Deutsche Bank’s (Bank) rights under paragraph Terms of Use of the Mobile Banking Service Terms and Conditions (MBTC). Capitalized terms used but not defined herein shall have the respective meanings assigned to them under the MBTC.
  • These terms and conditions apply to and regulate the use of FaceID Authentication Login Service (defined below) through the MyBank India Application (Application) by a Customer on his / her Authorized Mobile Device.
  • For the purposes of these terms and conditions FaceID means a facial recognition system to access the Mobile Device.
  • For the purposes of these terms and conditions FaceID Authentication Login Service means the feature to access the Application of the Bank through the FaceID instead of an alphanumeric username and password.
  • For the purposes of these terms and conditions Authorised Mobile Device / Mobile Device shall mean the iPhone X (or such other device which may from time to time be enabled with equivalent face detection functionality) which has an interface that is capable of and permits face recognition as an authentication system.
  • The Customer unconditionally accepts that upon enabling the FaceID Authentication Login Service on the Application and accepting the terms and conditions he / she shall be bound by these terms and conditions which shall be supplemental to the MBTC.
  • The Bank offers the FaceID Authentication Login Service to the Customer on these terms and conditions. The Customer understands that usage of the Application will imply the deemed acceptance of these terms and conditions. These terms and conditions made by the Bank and accepted by the Customer shall form the contract between the Customer and the Bank.
  • The Customer understands that the FaceID Authentication Login Service allows the Customer to use his / her face (as registered on the Authorized mobile device) in lieu of the mobile or online banking username and password to login; as a prerequisite to the Customer accessing and using the Mobile Banking Service.
  • The Customer understands and acknowledges that the FaceID Authentication Login Service is a feature that is only permitted to be used on an authorized Mobile Device which supports face authentication in addition to other modes available to access a Mobile Device.
  • The Customer understands and acknowledges that the FaceID Authentication Login Service is an extension of the Mobile Banking Service provided by the Bank and the Customer while using such FaceID Authentication Login Service shall also be bound by the terms and conditions that govern the Mobile Banking Service.
  • These terms and conditions are in addition to and not in substitution / derogation of the general business conditions; the wealth management terms and conditions; and such other terms as may be prescribed by the Bank from time to time in relation to the Services.

Acceptance Of Terms And Conditions

  • The Customer unconditionally agrees and acknowledges that for him / her to be able to use the FaceID Authentication Login Service, the Customer must:
    • possess an Authorized Mobile Device which supports the feature of FaceID authentication as a passcode to unlock the Mobile Device;
    • enable and use the FaceID as a passcode to unlock his / her Mobile Device instead of an alphanumeric passcode;
    • be an existing and valid user of the Bank’s Mobile Banking Service;d) install the Application on his / her Authorized Mobile Device; and
    • enable the FaceID Authentication Login Service feature to login into the Application on the Authorized Mobile Device.
  • The Customer undertakes to ensure that only the Customer’s face is recognized by the Authorized Mobile Device to access the device and the Customer unconditionally acknowledges that upon enabling of or the successful registration of the FaceID Authentication Login Service, any face that is registered and stored on the Authorized Mobile Device shall be used to access the Application, including access to the Customer’s account details and statements.
    • In the event a Customer selects to enable the FaceID Authentication Login Service on the Application, the Bank shall issue a one-time Disclaimer. The Customer understands that on selecting ‘Enable’ or proceeding to activate the FaceID Authentication Login Service, it shall amount to implied acceptance of the Bank’s Disclaimer on the Application interface.
    • For the purposes of these terms and conditions, the Disclaimer shall mean and read:
      • “Upon enabling FaceID Authentication Login Service on this Application, any registered and identifiable face on this Mobile Device will have access to this Application.”
        • The Customer undertakes to take all measures to ensure the protection of the passcode/ security code. The Customer undertakes to prevent unintentional registration of multiple faces (if so permitted) on the Mobile Device to avoid giving unauthorized access of the Customer’s bank account through the Application.
          • To access the FaceID Authentication Login Service, the Customer is required to log into the Application and enable the feature of a FaceID Authentication Login Service authentication by accepting these terms and conditions. The Customer will thereafter provide the Application with his / her login credentials and proceed to login into the Application
            • The Customer undertakes to read, understand and acknowledge these terms and conditions prior to registering his / her face for the purposes of the Application. Upon enabling the face authentication on the Authorized Mobile Device the face used as a passcode to unlock the Authorized Mobile Device will be encrypted and stored on the Application and shall be retrieved for future logins. The Customer may disable this function at any time, by deregistering or disabling this feature on the Application.
              • The Customer understands and acknowledges that each face that is registered as a passcode to unlock the Mobile Device will be synced with the Application and upon enabling the FaceID login feature such FaceID shall be recognized as an authorized access to the Application. As a consequence of this recognition, the Customer understands that the Application shall be automatically logged in whenever app is opened by any of registered face on the device.
                • In the event of any repugnancy or inconsistency between these terms and conditions and the MBTC, these terms and conditions shall prevail over the MBTC, to the extent of such repugnancy or inconsistency.

                Authorised Transactions

                • The Customer understands and acknowledges that it shall comply with Applicable Laws and the RBI guidelines while using the FaceID Authentication Login Service.
                • In order to prevent any fraudulent or unauthorized transactions, the Bank provides a two-factor authentication process prior to the Customer undertaking any financial transactions through the Application. The Customer understands that once the Mobile Device is unlocked, it amounts to an automatic login into the Application using any of the registered face on the device and access to the Customer’s bank account on the Mobile Device. The Customer understands that for the purpose of a financial transaction, the Customer shall have to provide with a one-time password (OTP) that shall be sent on the concerned Mobile Device pursuant to a request to undertake a financial transaction, made by the Customer. Further, the Customer shall have to provide the relevant Transaction Password, without which, no financial transactions will be permitted through the Application..

                For the purposes of these terms and conditions Transaction Password means the password created by a Customer at the time of creating his / her online or mobile banking account, which is required every time a Customer wishes to transact using the electronic banking service.

                • The Bank unconditionally assumes that the Customer will protect the Transaction Password by not disclosing the same or storing it on the Mobile Device, for the purpose of undertaking secured and authorized transactions only.
                • The Customer understands that a transaction will only go through on providing the Transaction Password, without which the face shall only provide viewing access to the Customer’s account through the Application
                • The Customer has the option of accessing the Application through using his/her registered username and password instead of the FaceID Authentication Login Service.
                • The Customer unconditionally agrees that in the event the Application recognizes a face on the Authorized Mobile Device, the Customer is deemed to have accessed the Mobile Banking Services and / or instructed the Bank to provide access through the Application.
                • The Customer understands and acknowledges that the face authentication by the Application is done by interfacing with the face authentication module on the Authorized Mobile Device.
                • The Customer has the option to deactivate the FaceID Authentication Login Service at any time.
                • The determination and attribution of liability of the Customer and / or the Bank in relation to any unauthorized transaction will be determined in accordance with the RBI Circular on ‘Customer Protection - Limiting Liability of Customers in Unauthorized Electronic Banking Transactions’ dated July 06, 2017 (Circular)
                • The Customer undertakes to inform the Bank of any unauthorized transaction through the Application at the earliest after the occurrence of such transaction or from the Customer receiving information about the same
                • In the event, that the Customer informs the Bank about any breach or compromise of security in relation to the face or other passcode / security code, the Customer may be required to change the registered face on the Mobile Device, deactivate or disable the FaceID Authentication Login Service and / or cease the use of the Application forthwith

                Representations And General Undertakings

                • The Customer unconditionally agrees and provides consent to the Bank for accessing and using any and all information limited and in relation to the FaceID Authentication Login Service
                • The Customer undertakes and agrees to protect his / her Authorized Mobile Device at all times and shall be responsible for any access / usage on and through the Application (whether undertaken and/or authorized by the Customer or otherwise)
                • The Customer understands and agrees that the face authentication is a feature that is inbuilt in the authorized Mobile Device and is provided by the relevant provider and is not created or developed by the Bank. The Customer acknowledges that the Bank does not, in any way, warrant or represent in relation to the security or the extent of security of such FaceID feature on the Mobile Device or the functionality as per the design of the concerned manufacturer, and the role of the Bank is limited to providing an Application that interfaces with this feature and recognizes the face(s) used to unlock the Mobile Device, to replace the requirement of entering a username and password with a face authentication
                • The Bank does not guarantee or warrant the undisturbed functioning, availability or access of the FaceID Authentication Login Service and this shall be solely subject to the Mobile Device, the software, the network and / or any other stipulations under the MBTC.
                • The Bank undertakes that subject to Applicable Laws, the Bank shall not be held responsible for any damage, harm or loss incurred or suffered by the Customer in the event of an attempted or an unauthorized use of the FaceID Authentication Login Service or the Application or any instructions or request made by the Customer (whether undertaken and / or authorized by the Customer or otherwise) or the consequence of any unauthorized transactions, otherwise to the extent provided for in the Circular.
                • Except as set out above, the provisions of the MBTC will remain unchanged and will continue in full force and effect and continue to be binding on the parties thereto in accordance with its terms, as amended herein.
                • Governing Law and Jurisdiction of the MBTC is deemed to be incorporated into these terms mutatis mutandis.

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