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Terms and Conditions for NetSafe Card and Verified By VISA / MasterCard® SecureCode™/ ProtectBuySM / RuPay PaySecure® offered by HDFC Bank Limited ("the Bank")
Welcome to the Verified by Visa / MasterCard SecureCode/ ProtectBuy/ RuPay PaySecure authentication service ("Verified by Visa" / "MasterCard SecureCode" / "ProtectBuy" / "RuPay PaySecure") and NetSafe card offered by HDFC Bank on the Terms of Service ("TOS") mentioned herein. Please read these TOS carefully before using NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. The word, "Bank" refers to HDFC Bank Limited, a banking company incorporated under the Companies Act, 1956 and having its registered office at "HDFC Bank House", Senapati Bapat Marg,Lower Parel (West),Mumbai-400013. The word "Card(s)" shall mean Visa/Visa Electron/ MasterCard Debit and Credit cards & Diners Credit Card & RuPay Debit Cards as the case may be as issued by the Bank. The terms/words not defined herein shall have the same meanings as defined in the Terms & conditions applicable to the Account(s) and in the Cardmember Agreement. The words "we","us" and "our" refer to Visa, MasterCard, Diners, NPCI RuPay and the Bank as the case may be and "you", "your" or "yours" refer Cardholder using the service.

These TOS supplements and is in addition to in the case of Debit cards to the Terms and Conditions applicable to the Account(s) in which the Debit Card is issued and in case of Credit cards to the "Cardmember Agreement".
 
PRODUCT DEFINITION:

NetSafe Card is a unique online secure payment solution relating to "Cards" provided by the Bank.   

 
The key features of NetSafe Cards are as follows:
  • It's a one time use card with a limited validity period from time of creation
  • The actual credit/debit card number is not used on the merchant website
  • The NetSafe Cards can be used at any merchant website that accepts MasterCard/ Visa Cards/ RuPay Debit Cards
  • The exposure is limited only to the extent of the card limit of the NetSafe Cards and subject to a limited defined validity.
NetSafe Cards offer a unique security feature, wherein the card number is not revealed on the Internet. Instead, you will have the option of generating a virtual (NetSafe Cards) card number/s, drawing funds from either your credit or debit card account. You can then use this virtual card number at any online merchant site and complete your transaction with security and ease.
 
Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure provide you with a way of increasing security in online and other transactions, by reducing the chances of fraud for those transactions. Registering for Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure involves providing personal information to the Bank, which is then used to confirm your identity during future online transactions or other transactions for which Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure is used.
Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure also may be used for record keeping and reporting purposes, as well as to help resolve any transaction disputes. Your Registration Data, and other personal information is not shared with the merchant. Your signing up for NetSafe signs you up for addition to the Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure feature automatically.
 
1. ACCEPTANCE OF TERMS
  1. HDFC Bank provides Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure and NetSafe card, subject to the TOS and the Cardmember Agreement governing the card transactions as well as Terms and Conditions applicable to the Account . Use of the service constitutes your acceptance of the terms and your agreement to abide by it. You can review the current version of the TOS at any time at http://www.hdfcbank.com/aboutus/terms_conditions/privacy.htm. In addition, when using NetSafe or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure you will be subject to all guidelines or rules applicable to NetSafe and Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure that may be posted from time to time at the same web site.
  2. Creation of a NetSafe card or a Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure account password, and/or use of NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, will represent your acceptance of this TOS, and that continued use of NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure after revisions to this TOS shall constitute your agreement to such revised terms and any applicable posted guidelines or rules.
  3. Unless explicitly stated otherwise, any new features that augment, enhance or otherwise change NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure shall be subject to this TOS.
  4. Visa / MasterCard / Diners and/or the Bank reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure (or any part thereof) with reasonable notice.
  5. The Bank shall not be responsible for interception/ misuse of NetSafe card/Verified by VISA (VBV) password / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. Therefore creation and usage of the card/VBV password will be tantamount to creation and usage of the NetSafe cards/VBV password by you. The Bank is not liable if the NetSafe Card/VBV password / MasterCard SecureCode / ProtectBuy / RuPay PaySecure falls into wrong hands due to any reason whatsoever and or if the terms and conditions relating to use of password/ATM PIN is not complied with.
  6. NetSafe functionality exists for all Visa/ MasterCard Cards/ RuPay Debit Cards.
2. YOUR REGISTRATION OBLIGATIONS 
You agree to (i) provide true, accurate, current and complete information about yourself as prompted by NetSafe card or Verified by Visa's / MasterCard SecureCode’s / ProtectBuy / RuPay PaySecure registration form ("Registration Data"), and (ii) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any Registration Data that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that your Registration Data is untrue, inaccurate, not current or incomplete, we have the right to suspend, terminate, or refuse your current or future use of NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure or your card account.
 
3. REGISTRATION 
  1. In order to generate or use NetSafe Cards or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, you must provide certain information as may be required, to the Bank to validate your identity and verify that you are the owner of or an authorized user of the specified Credit/Debit Card(s). The information that you provide may be validated against information that is associated with you and available with the Bank.
  2. If you are unable to provide adequate information to validate your identity, we have the right to not allow you to register for NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. You warrant that the Registration Data is correct and that you have the legal right to use all of the Credit Cards and Debit Cards that you register for NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure.
  3. If you do not successfully register for NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, the merchant may not accept your Card for payment in an e-commerce or other transaction subject to NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure.
  4. In order to use NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, you must have the ability to access the World Wide Web and must pay any service fees associated with such access. In addition, you must have the equipment necessary to make such a connection to the World Wide Web, including a computer and modem or other access device.
  5. In the event you have a question regarding the NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure registration process or a transaction using NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, you can contact the nearest Customer Call centre (for credit cards) or Phone Banking centre (for debit cards) or email us at: Click Here
  6. The bank may unilaterally provide for use of NetSafe Cards on the net and may disallow the use of your physical card for your own safety.
  7. The bank may at any time incorporate additional security features to further facilitate Card Holders shopping on the Internet. Requisition for NetSafe Card and acceptance of this TOS signifies acceptance of such further TOS that may be required for that additional security feature.
 
RuPay Debit Card Registration 
  1. The cardholder is required to register his/her card to be able to use RuPay PaySecure.Card holder must provide the requested information, to the Bank/NPCI to validate their identity and have authorization for the usage of the Card(s) for transactions on RuPay PaySecure.
  2. RuPay PaySecure reserves the right to disallow the customer from registration/usage of the service in case the information provided by the customer is incorrect/false. The cardholder assures that every information entered in the PaySecure system is true and that they are legally entitled to use the cards that they register on the RuPay PaySecure system.
  3. RuPay PaySecure unregistered cards will be disallowed from being used at any online Merchant entities.
  4. For all queries related to RuPay PaySecure, call your bank’s customer service numbers.
  5. NPCI may enhance the security features etc. of the RuPay PaySecure solution from time to time. The T&Cs may be modified for revised features in the future. Acceptance of these T&Cs will abide the cardholder for any future versions of the RuPay PaySecure T&Cs.
 
4. AUTHENTICATION 
  1. During registration in Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, you may be required to select or may be provided a password and hint-and-response question and answer. When engaging in an online transaction or other transaction for which Verified by Visa is used, you may be asked for your Verified by Visa password or hint response before the merchant accepts your Card in payment for the transaction. If you are unable to provide your Verified by Visa password or hint response, or if the authentication through Verified by Visa otherwise fails, the merchant may not accept your Visa Card for payment in that transaction. When engaging in an online transaction or other transaction for which MasterCard SecureCode / ProtectBuy is used, you may be asked for your SecureCode or hint response before the merchant accepts your Card in payment for the transaction. If you are unable to provide your SecureCode or hint response, or if the authentication through MasterCard SecureCode otherwise fails, the merchant may not accept your MasterCard for payment in that transaction.
  2. By registering for Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, you agree to the use of Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure to evidence your identity, including the authorization of transactions authorized in advance to recur at substantially regular intervals.
  3. Authentication: Certain websites/the Bank at a later date may provide for any additional authentication in addition to what has been requested for. The Cardmember agrees to validate such requirements at a future date.
 
RuPay Debit Card Authorization 
  1. During registration in RuPay PaySecure service, you may be required to select an authentication method viz. OTP (One Time Password) or Internet ID & password, or challenge question/answer etc. for authenticating with your bank. Along with that, you would be required to select an image & enter a phrase when engaging in an online transaction or registration/other transaction for which RuPay PaySecure is used. You may be asked to select the image and approve the phrase that you had selected during your registration process before the merchant accepts your Card in payment for the transaction. If you are unable to select the correct image or if the authentication through RuPay PaySecure otherwise fails, the merchant may not accept your RuPay Card for payment in that transaction.
  2. You are successfully registered for RuPay PaySecure service only after you successfully complete the entire online transaction for the first time.
  3. By registering for RuPay PaySecure, you agree to the use of RuPay PaySecure to evidence your identity, including the authorization of transactions authorized in advance to recur at substantially regular intervals.
  4. Certain merchant establishments/ Banks at a later date may provide for any additional authentication in addition to what has been requested for. Cardholder will be required to provide the same accordingly.
 
5. CARDHOLDER PASSWORD AND SECURITY 

You are solely responsible for maintaining the confidentiality of your password / SecureCode, Registration Data and other verification information established by you with respect to NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, and all activities that occur using your password, Registration Data or other verification information supplied to or established by you with respect to NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. You agree not to transfer or assign your use of, or access to, NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure to any third party. You agree to immediately notify us of any unauthorized use of your password or other verification information, or any other breach of security. You acknowledge and agree that, except as otherwise provided by Applicable Law or in the Cardmember Agreement or in the Terms & Conditions applicable to the Account(s), we shall not be liable for any loss or damage arising from your failure to comply with this TOS.

 
6. PRIVACY OF REGISTRATION DATA 
  1. Your Registration Data will not be shared with online retail merchants or merchants in other transactions for which NetSafe card or Verified by Visa / MasterCard SecureCode/ ProtectBuy / RuPay PaySecure is used.
  2. You acknowledge and agree that Bank may keep your Registration Data and also may disclose your Registration Data if required to do so by Applicable Law, in the good faith belief that such preservation or disclosure is permitted by Applicable Law, or as reasonably necessary to (i) comply with legal process or (ii) enforce this TOS.
 
7. CONDUCT GUIDELINES  
You agree not to:
  1. impersonate any person or entity using the NetSafe Card/ Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure;
  2. upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment used by NetSafe Card / Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure;
  3. spam or flood the NetSafe Card / Verified By Visa MasterCard SecureCode / ProtectBuy / RuPay PaySecure Website or service;
  4. modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the NetSafe Card/ Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure Website or service or the software used in connection with NetSafe Card / Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure;
  5. remove any copyright, trademark, or other proprietary rights notices contained in NetSafe Card/ Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure;
  6. "frame" or "mirror" any part of the NetSafe Card/ Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure Website or service without HDFC Banks / Visa's prior written authorization;
  7. use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of the NetSafe Card / Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure Website or service or its contents;
  8. otherwise interfere with, or disrupt, NetSafe Card/ Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure or servers or networks connected to NetSafe Card/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, or violate this TOS or any requirements, procedures, policies or regulations of NetSafe Card / Verified ByVisa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure or of any networks connected to NetSafe Card/ Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure; or
  9. intentionally or unintentionally violate any applicable local, state, national or international statute, regulation, regulatory guideline or judicial or administrative interpretation, or any rule or requirement established by HDFC Bank/Visa (all of which shall constitute "Applicable Law") in connection with your use of NetSafe Card / Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure.
 
8. LIABILITY
  1. Under no circumstances will the bank be liable for consequential, incidental, special or indirect losses or other damages, such as any damage to your computer or telephone service resulting from your generation/use of NetSafe card or Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure.
  2. We assume no responsibility for, and will not be liable for, any damages to, or any viruses which may affect, your computer equipment or other property on account of your access to, use of, or downloading from this web site.
  3. The Bank will not be liable if a transaction on the net does not materialise or is delayed or is incomplete.
 
9. TERMINATION
  1. If you desire to disable or unsubscribe to Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, you can call the nearest Customer Call centre (for credit cards) or Phone Banking centre (for debit cards) so that your password and Registration Data with Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure can be deactivated. Any purchases made using Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure prior to deactivation will not be affected.
  2. We may temporarily or permanently deactivate your ability to use Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure and terminate your relationship with us with reasonable notice to you. For your protection, we may automatically deactivate your ability to use Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure if it is not used at least one time during any six (6) month period. If we deactivate your ability to use Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, we may give you notice at the most current e-mail address you have provided to us as reflected in our records.
10. DEALINGS WITH MERCHANTS 

Your correspondence or business dealings with, or participation in promotions of, online retail or other merchants on or through NetSafe card/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such merchant. You agree that, except as otherwise provided by Applicable Law or in our Cardmember Agreement or Terms and Conditions applicable to the Account with you, we will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings. You understand that use of NetSafe card/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure, does not, in any way, indicate that we recommend or endorse any merchant, regardless of whether the merchant participates in NetSafe card/Verified by Visa / MasterCard SecureCode/ ProtectBuy. For example, NetSafe card/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure does not verify the identity of the merchant or the quality of the merchant's goods or services.

 
11. DISCLAIMER OF WARRANTIES 
  1. You expressly understand and agree that any software obtained through the use of NetSafe/ Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure is downloaded and used at your own discretion and risk and that except as otherwise provided in this TOS Agreement, you will be solely responsible for any damage to your computer system or loss of data that results from the download or use of any such software or other materials through NetSafe card/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure.
  2. Except as otherwise required by any applicable state law, we make no representations or warranties about NetSafe card / Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure of any kind, express or implied, including any warranties as to merchantability or fitness for a particular purpose.
 
12. NOTICE 
You may also be notified of changes to this TOS or other matters by notices displayed on or links to notices displayed on http://www.hdfcbank.com/NetSafe/terms.html
 
13. AGE AND RESPONSIBILITY 

You represent that you are of sufficient legal age to use Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure and to create binding legal obligations for any liability you may incur as a result of the use of Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. Except as otherwise provided by Applicable Law or in our Cardmember Agreement with you or Terms and Conditions applicable to the Account, you understand that you are financially responsible for all uses of Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure by you and those authorized by you to use your Registration Data, your password or other verification information.

 
14. MISCELLANEOUS
(a) Password 
You agree and acknowledge to:
  • Keep the Password / SecureCode totally confidential and not reveal it to any third party.
  • Choose a Password / SecureCode which shall be sufficiently long and shall consist of a mix of alphabets numbers and special characters which must not relate to any readily accessible personal data such as your name, address, telephone number, driver license, etc. or easily guessable combination of letters and numbers.
  • Commit the Password / SecureCode to memory and not record it in a written or electronic form, and
  • Not let any unauthorized person have access to your computer or leave the computer unattended while accessing the Net for making/using the NetSafe cards / Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure.

The Bank shall not be responsible for interception/misuse of NetSafe card

 
(b) Misuses of Password / SecureCode / ProtectBuy / RuPay PaySecure:

You acknowledge that if any third person obtains access to your Password / SecureCode / ProtectBuy / RuPay PaySecure, such third person would be able to carry out transactions via the NetSafe Card/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure or make and use NetSafe Cards/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. You shall ensure that the terms and conditions applicable to the use of the password as contained in the TOS are complied with at all times.

 
(c) Internet Frauds:

The Internet per se is susceptible to a number of frauds, misuses, hacking and other actions which could affect making/use of NetSafe Cards / Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. Whilst the Bank shall aim to provide security to prevent the same, there cannot be any guarantee from such Internet frauds, hacking and other actions which could affect the making and use of the NetSafe Cards/Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. You shall separately evolve/evaluate all risks arising out of the same.

 
(d) Technology Risks:

The technology for the NetSafe Cards / Verified By Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure offered by the Bank could be affected by virus or other malicious, destructive or corrupting code, program of macro. It may also be possible that the site of the Bank may require maintenance and during such time it may not be possible to process the request of the Customers. This could result in delays in the processing of instruction or failure in the processing of instructions and other such failures and inability. You understand and acknowledge that the bank disclaims all and any liability, arising out of any failure or inability by the Bank to honor any customer instruction.

 
(e) Limits:

You are aware that the Bank may from time to time impose maximum and minimum limits on the NetSafe Cards / Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure. You realise, accept and agree that the same is to reduce the risks on you. For instance, the Bank may impose transaction restrictions within particular periods or amount restrictions within a particular period or even limits on each transaction. You shall be bound by such limits imposed and shall strictly comply with them.

 
(f) Indemnity:
You shall indemnify the Bank for and against all losses and damages that may be caused as a consequence of breach of any of the NetSafe Card / Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure Terms and conditions and the terms and conditions mentioned herein above under.
 
(g) Withdrawal of Facility:
The bank shall be entitled to withdraw the above service at any time whatsoever.
 
(h) Charges:
You hereby agree to bear the charges as may be stipulated by the Bank from time to time for availing of these services. 
You hereby authorise the Bank to recover all charges related to NetSafe Cards / Verified by Visa / MasterCard SecureCode / ProtectBuy / RuPay PaySecure as determined by the Bank from time to time by debiting your accounts.
 
(i) Others:
In case of unutilised NetSafe Card the amount will be credited back to the customers source account if its completely unutilised within 48 hours after the validity period of the NetSafe card.
In case the unutilised NetSafe Card is cancelled the amount will be credited back to the customers source account if its completely unutilised within 48 hours after the validity period of the NetSafe card.
In case the customer has used part amount for a transaction, the balance will get credited back to the customer's account approximately within 35 days (In case of NetSafe card created from a debit card) or within 7 days (In case of a NetSafe card created from a credit card) from the date of transaction.

In case the unutilised NetSafe Card is cancelled the amount will be credited back to the customers source account if it is completely unutilised 23-46 hours after the validity period of the NetSafe card.

In case the customer has used part amount for a transaction, the balance will get credited back to the customer's account approximately within 30 days from the date of transaction if the same is not claimed by Visa / MasterCard / Diners / NPCI RuPay Merchant establishment.

 

 

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