TERMS AND CONDITIONS FOR RETAIL CUSTOMERS TERMS AND CONDITIONS OF INTERNET BANKING SERVICE PROVIDED BY GUJARAT STATE CO-OPERATIVE BANK
1. Applicability:These Terms form the contract between the User and GUJARAT STATE CO-OPERATIVE BANK (hereinafter called "the Bank") for availing Internet Banking through all modes of registration available to the users. The user shall apply to the Bank in the prescribed form for use of Internet Banking in case required by the Bank. The Bank shall be entitled at its sole discretion to accept or reject such applications as may be submitted by the users. By applying for or availing of Internet Banking, the user acknowledges and accepts these Terms. All the services/ products purported to be offered hereunder will be denominated in Indian Currency. No foreign currency transactions or products denominated in foreign currency shall be offered via Internet Banking. Notwithstanding anything contained herein, all terms and conditions stipulated by the Bank pertaining to the Accounts shall continue to be applicable to the users provided in the event of a conflict in the terms stipulated by the Bank and the terms herein, the terms herein shall have overriding effect. These terms will be in addition to and not in derogation of the terms and conditions relating to any account of the user.

2. Internet Banking: For the purpose of availing Internet Banking, the user would need to have legal and valid access to the Internet. The information provided to the user through the Internet Banking is not updated continuously but at regular intervals. Consequently, any information supplied to the user through Internet Banking will pertain to the date and time when it was last updated and not as on the date and time when it is supplied to the user. The Bank shall not be liable for any loss that the user may suffer by relying on or acting on such information. The Bank may keep its records of the transactions in any form it wishes. In the event of any dispute, the Bank's records shall be binding as the conclusive evidence of the transactions carried out through Internet Banking in the absence of clear proof that the Bank's records are erroneous or incomplete. Any request for any service, which is offered as a part of Internet Banking, shall be binding on the user as and when the Bank receives such a request. If any request for a service is such that it cannot be given effect to unless it is followed up by requisite documentation on part of the user, the Bank shall not be required to act on the request until it receives such documentation from the user. The user shall ensure that Internet Banking or any related service is not used for any purpose which is illegal, improper or which is not authorized under these Terms.

3.Unauthorized Access: The user shall take all necessary precautions to prevent unauthorized and illegal use of Internet Banking and unauthorized access to the Accounts provided by Internet Banking. The Bank shall take all commercially reasonable care to ensure the security of and to prevent unauthorized access to the Internet Banking using commercially reasonable technology available in India to the Bank.

4.Internet Banking Access: The user would be allotted a Customer Id and a PIN. The first login/registration will be done using the Customer Id and the PIN. After first use the user will be required to create an alphanumeric password. For all subsequent logins the Customer Id will be used in conjunction with this password created by the user to verify his/her authenticity. As a safety measure, the user shall change the password as frequently thereafter as possible. In addition to user-id and password the Bank may, at its discretion, advise the user to adopt such other means of authentication including but not limited to digital certification and/ or smart cards. The User agrees not to hold the Bank liable for any failure to complete the transaction due to non-delivery or delay in transmission of transaction password. The user shall not attempt or permit others to attempt accessing the Account information stored in the computers of the Bank through any means other than the Internet Banking.

5.Internet Banking Password: The user acknowledges, represents and warrants that the password which will be issued to it, provides access to the Account and that user is the sole and exclusive owner and is the only authorized user of the password and accepts sole responsibility for use, confidentiality and protection of the password, as well as for all orders and information changes (i.e., change of address) entered into Accounts using such password. The user grants express authority to the Bank for carrying out transactions and instructions authenticated by such password. The user unconditionally undertakes to have Internet Banking password of such number of letters/digits as may be notified by the Bank from time to time and ensure that the same is kept confidential; and to not let any unauthorized person have access to the internet while the user is accessing the Internet Banking. If the user forgets the Internet Banking password, the user may request for the issue of a new password by sending a written request to the Bank and this shall not be construed as the commencement of a new contract. The user agrees and acknowledges that the Bank shall in no way be held responsible or liable if the user incurs any loss as a result of information being disclosed by the Bank regarding his Account(s) or carrying the instruction of the user pursuant to the access of the Internet Banking and the user shall fully indemnify and hold harmless the Bank in respect of the same. The user shall maintain the secrecy of all information of confidential nature and shall ensure that the same is not disclosed to any person voluntarily, accidentally or by mistake. The user shall comply with such guidelines, instructions or terms as the Bank may prescribe from time to time with respect to the password.

6.Joint Accounts: In case of Joint Accounts, transactions through Internet Banking, shall be available if the mode of operation is indicated as 'either or survivor' or 'anyone or survivor'. The user desirous of using the Internet Banking should either be the Account holder and sole signatory or authorized to act independently in case of a joint account. For such joint accounts, one user-ID and password for Internet Banking will be issued to each of the joint account holders when requested. The other joint account holders shall expressly agree with the arrangement and give their consent on the application form for use of Internet Banking. In case of joint accounts operated by more than one user, the Bank shall act on the instruction received first and any subsequent instruction shall be neglected. All correspondence will be addressed to the first named person only. All transactions arising from the use of Internet Banking in the joint account shall be binding on all the joint account holders, jointly and severally.

7.Charges: The Bank reserves the right to charge and recover from the user service charge (including any applicable tax, duty, cess, etc.) for providing the Internet Banking (including charges for all products and services provided via Internet). The user hereby authorizes the Bank to recover the service charge by debiting any one of the Accounts of the user or by sending a bill to the user who will be liable to make the payment within the specified period as may be determined by the Bank in its discretion. Failure to do so shall result in recovery of the service charge by the Bank in a manner as the Bank may deem fit along with such interest, if any, and/or suspension of the facility of Internet Banking without any liability to the Bank.

8.Maintenance of Sufficient Balance:The user shall ensure that there are sufficient funds (or prearranged credit facilities) in any Account for transactions through the Internet Banking, and the Bank shall not be liable for any consequences arising out of its failure to carry out the instructions due to inadequacy of funds and/or credit facilities provided always that the Bank shall at its sole discretion, be entitled to carry out the instructions notwithstanding such inadequacy without seeking the prior approval from or notice to the user and the user shall be responsible to repay with interest the resulting overdraft, advance or credit thereby created and for all related to costs and charges. The Bank may, at its discretion, levy penal charges for non-maintenance of the minimum balance. In addition to the minimum balance stipulation the Bank may levy service charges for use of Internet Banking that will be notified by the Bank to the user from time to time. Any change in such service charges will also be notified to the user. The user authorizes the Bank to recover all charges related to Internet Banking as determined by the Bank from time to time by debiting any one of the Accounts. The Bank may withdraw the provision of Internet Banking, wholly or partly, if at any time the amount of deposit falls short of the required minimum as aforesaid and / or if the service charges remain unpaid, without giving any further notice to the user and / or without incurring any liability or responsibility whatsoever by reason of such withdrawal.

9.Funds Transfer Through Internet Banking:The User accepts that he will be responsible for keying in the correct account number for the fund transfer request. In no case, the Bank will be held liable for any erroneous transactions incurred arising out of or relating to the user entering wrong account numbers. Also, in no case, the Bank will be held liable for any erroneous transactions incurred arising out of or relating to the user entering any incomplete or undecipherable or unreadable or erroneous inputs keyed in by the user.
The user shall not use or attempt to use the Internet Banking for funds transfer without sufficient funds in the relative Account or without a pre-existing arrangement with the Bank for the grant of an overdraft. The Bank will endeavor to effect funds transfer transaction received through Internet Banking subject to availability of sufficient funds in the Account. The Bank shall specify from time to time the limit for carrying out various kinds of funds transfer or any other services through Internet Banking. The Bank shall not be liable for any omission to effect fund transfer or delay in transfer of funds due to circumstances beyond its reasonable control. The Bank reserves the right to charge the user for the use of funds transfer by giving due notice on the website about such charges. If funds transfer is made available to the user, then user may transfer funds from any of his account(s) to other account(s) belonging to third parties maintained at the Bank.

10.Authority to the Bank for Internet Banking: The user irrevocably and unconditionally authorizes the Bank to access all his Account(s) for effecting banking and/or other transactions performed by/ relating to the user through the Internet Banking. The instructions of the user shall be executed only when such instruction is given in accordance with the procedure prescribed by the Bank in this behalf. The Bank shall have no obligation to verify the authenticity of any transaction / instruction received or purported to have been received from the user through Internet Banking or purporting to have been sent by the user other than by means of verification of the Internet Banking user-Id and the password. Records maintained by the Bank of transactions carried out by user using Internet Banking, including but not limited to the time of recording of transaction shall be conclusive proof of the genuineness and accuracy of the transaction and binding for all purpose. While the Bank shall endeavor to carry out the instructions promptly, they shall not be responsible for any delay in carrying on the instructions due to any reason whatsoever, including due to failure of operational systems or any requirement of law. All the transactions arising through the use of the Internet Banking to operate a joint account shall be binding on all the joint account holders, jointly and severally.

11.Instructions: All instructions for Internet Banking shall be given, through computer or any other device/medium/channel selected by the Bank for the purpose, by the user in the manner indicated by the Bank. The user is also responsible for the accuracy and authenticity of the instructions provided to the Bank and the same shall be considered to be sufficient to operate the Internet Banking. The Bank shall not be required to independently verify the instructions, and the instruction shall remain effective till such time the same is countermanded by further instructions by the user. The Bank shall have no liability if it does not or is unable to or prevent the implementation of an instruction, which is subsequently countermanded. Where the Bank considers the instructions to be inconsistent or contradictory it may seek clarification from the user before acting on any instruction of the user or act upon any such instruction as it deems fit. The Bank is not obliged to keep a record of the instructions given by user through Internet Banking, nor under any obligation to provide such records where it maintains such records at its own discretion. Further, the Bank is not obliged to verify user's instructions given through Internet Banking. The Bank may refuse to comply with the instructions without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any instruction and have the right to suspend the operations through the Internet Banking if it has reason to believe that the user's instructions will lead or expose to direct or indirect loss or may require an indemnity from the user before continuing to operate the Internet Banking. Any instruction, order, direction, request entered using the password of the user shall be deemed to be an instruction, order, directive, request received from the user. All instructions, requests, directives, orders, directions, entered by the user, either electronically or otherwise, are based upon the user's decisions and are the sole responsibility of the user. The user understands that entering an instruction, direction, order, request with the Bank, either electronically or otherwise, does not guarantee execution of such instruction, direction, order, request. The Bank shall not be deemed to have received any instruction, direction, order, request electronically transmitted by the user until it confirms the receipt of such instruction, direction, order, request.

12.Accuracy of Information: The user is responsible for the correctness of information supplied to the Bank for use of the Internet Banking or through any other means such as electronic mail or written communication. The Bank accepts no liability for the consequences arising out of erroneous information supplied by the user. If the user notices an error in the information supplied to the Bank either in the application form or any other communication, he shall immediately advise the Bank which will endeavor to correct the error wherever possible on a "reasonable efforts" basis.

13.Liability of the user and the Bank: The Bank shall not be liable for any unauthorized transactions occurring through the Internet Banking and the user hereby fully indemnifies and holds the Bank harmless against any action, suit, proceeding initiated against it or any loss, cost or damage incurred by it as a result thereof. The Bank shall under no circumstance be held liable to the user if the Internet Banking is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason. Under no circumstances shall the Bank be liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the user or by any other person. Illegal or improper use of the Internet Banking shall render the user liable for payment of financial charges as decided by the Bank or will result in suspension of the operations through the Internet Banking.

14.Disclaimer of Warranties: The User expressly agrees that use of the Website is at his sole risk. The Website is provided on an "as is" and "as available" basis. Except as warranted in the Terms, the Bank expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in Internet Banking. The Bank does not warrant that access to the Website and Internet Banking shall be uninterrupted, timely, secure, or error free nor does it make any warranty as to the results that may be obtained from the Website or use, accuracy or reliability of Internet Banking. The Bank will not be liable for any virus that may enter the user's system as a result of the user using Internet Banking. The Bank does not guarantee to the user or any other third party that Internet Banking would be virus free.

15.Indemnity:In consideration of the Bank providing the user the Internet Banking, the user shall, at his own expense, indemnify and hold the Bank, its directors and employees, representatives, agents, as the case may be, indemnified against all losses and expenses on full indemnity basis which the Bank may incur, sustain, suffer or is likely to suffer in connection with the Bank’s execution of the user's instructions and against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses as a consequence or by reason of providing a service through Internet Banking for any action taken or omitted to be taken by the Bank, its officers, employees or agents, on the instructions of the user. The user will pay the Bank such amount as may be determined by the Bank to be sufficient to indemnify it against any such, loss or expenses even though they may not have arisen or are contingent in nature. Further, the user agrees, at its own expense, to indemnify, defend and hold harmless the Bank, its directors and employees, representatives, agents against any claim, suit, action or other proceeding brought against the Bank, its directors and employees, representatives, agents, by a third party, to the extent that such claim, suit, action of other proceeding brought against the Bank, its directors and employees, representatives, agents is based on or arises in connection with the user of Internet Banking with reference to:

(i) a violation of the Terms contained herein by the user;
(ii) any deletions, additions, insertions or alterations to, or any unauthorized use of, Internet Banking by the user;
(iii) any misrepresentation or breach of representation or warranty made by the user contained herein; or
(iv) any breach of any covenant or obligation to be performed by the user hereunder.
The user agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim. The user hereby agrees that under no circumstances, the Bank's aggregate liability for claims relating to Internet Banking, whether for breach or in tort or contract (including but not limited to negligence) shall be limited to the transaction charges/fees or consideration paid by the user within the previous twelve (12) months for Internet Banking, excluding any amount paid towards transactions.

16. Disclosure of Information: The user agrees that the Bank or their contractors may hold and process his personal Information and all other information concerning his Account(s) on computer or otherwise in connection with the Internet Banking as well as for analysis, credit scoring and marketing. The user also agrees that the Bank may disclose, in strict confidence, to other institutions, such personal Information as may be reasonably necessary for reasons inclusive of but not limited to participation in any telecommunication or electronic clearing network, in compliance with a legal directive, for credit rating by recognized credit scoring agencies, or for fraud prevention purposes.

17. Change of Terms:The Bank shall have the absolute discretion to amend or supplement any of the Terms at any time and will endeavor to give prior notice of fifteen days for such changes wherever feasible. Such change to the Terms shall be deemed to have been communicated to the user, if the same is displayed in the Bank’s website. By using any new services as may be introduced by the Bank, the user shall be deemed to have accepted the changed Terms.

18. Non-Transferability: The grant of Internet Banking to a user is not transferable under any circumstance and shall be used only by the user.

19. Termination of Internet Banking: The user may request for termination of the Internet Banking any time by giving a written notice of at least 15 days to the Bank. The termination shall take effect on the completion of the fifteenth day. The user will remain responsible for any transactions made through the Internet Banking until the time of actual termination The Bank may withdraw or terminate the Internet Banking anytime either entirely or with reference to a specific service or user; or in case of breach of Terms by the user without a prior notice; or if it learns of the death, bankruptcy or lack of legal capacity of the user. Clause 13 & 15 shall survive the termination of the Internet Banking for any reason whatsoever.

20. Notices: Notices under these Terms may be given by the Bank and the user in writing by delivering them by hand or by sending them by post to the last address given by the user and in the case of the Bank to its corporate office address as set out hereinabove. In addition, the Bank may also publish notices of general nature, which are applicable to all users in a newspaper or on its web site located at www.gscbank.co.in. Such notices will have the same effect as a notice served individually to each user. Notice and instructions will be deemed served 7 days after posting or upon receipt in the case of hand delivery, cable, telex or facsimile.

21. Governing Law: These Terms and/or the operations in the Accounts of the user shall be governed by the Indian Laws only. The Parties hereby agree that any legal action or proceedings arising out of the Terms for Internet Banking shall be brought in the courts or tribunals at Ahmedabad in India and irrevocably submit themselves to the jurisdiction of such courts and tribunals. The Bank may, however, in its absolute discretion, commence any legal action or proceedings arising out of the Terms for Internet Banking in any other court, tribunal or other appropriate forum, and the user hereby consents to that jurisdiction. Any provision of the Terms for Internet Banking that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of the Terms or affect such provision in any other jurisdiction.

22. Applicability To Future Accounts: The Bank and the user agree that if the user opens further Accounts with/subscribes to any of the products/services of the Bank, and the Bank extends the Internet Banking to such Accounts or products or services and the user opts for use thereof, then the terms of this agreement shall automatically apply to such further use of the Internet Banking by the user.

23. General: The clause headings herein are for only for convenience and do not affect the meaning of the relative clause. The Bank may sub-contract and employ agents to carry out any of its obligations under this contract. Internet Banking service would be available to the users in certain cities only and during timings specified by the Bank from time to time and transactions would be carried out on the same day or on the next working day depending upon the time of logging of the transaction. The user would have to ensure that the equipment used for availing of Internet Banking meets the criteria as may be specified by the Bank from time to time. All costs incurred by the user including telecommunication costs to use the Internet Banking would be borne by the user.
As a tool to remove misunderstandings, the user understands, agrees and authorizes the Bank, at its discretion, and without further prior notice to the user, to monitor and record any or all telephone conversations or electronic communications between the user and the Bank and any of its employees or agents. These terms and conditions contain the Bank's entire agreement (except as otherwise expressly provided herein) and supersede and replace any previously made proposals, representations, understandings and agreements, express or implied, either oral or in writing between the user and the Bank for Internet Banking. The user acknowledges that it has not relied on any representation made by the Bank or any of its employees or agents and has made its own independent assessment of Internet Banking. No third party will have any rights or claims under these terms and conditions.

24. Assignment: The Bank shall be entitled to sell, assign, securities or transfer the Bank's right and obligations under the Terms and any security being in favor of the Bank (including all guarantee/s) to any person of the Bank's choice in whole or in part and in such manner and on such terms and conditions as the Bank may decide. Any such sale, assignment, security or transfer shall conclusively bind the user and all other persons. The user, his heirs, legal representatives, executors, administrators and successors are bound by the Terms. The Bank may sub-contract and employ agents to carry out any of its obligations under this contract. However, the user shall not be entitled to transfer or assign any of his rights and obligations hereunder.

25. Right of set-off and Lien: The Bank shall have the priority of right of set-off and lien, irrespective of any other or over any other lien or charge, present as well as future, on the deposits/scrips held in the Account(s) or in any other account, whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the Internet Banking extended to and/ or used by the user.

26. Proprietary Rights: The Bank shall make reasonable efforts to advise from time to time the Internet software such as browsers that are required for availing of Internet Banking. There will be no obligation on the Bank to support all or any versions of the Internet software as may be required for offering Internet Banking. The user acknowledges that the software underlying the Internet Banking as well as other Internet related software which are required for accessing Internet Banking are the legal property of the respective vendors or the Bank. The permission given by the Bank to access Internet Banking will not convey any proprietary or ownership rights in such software. The user shall not attempt to modify, translate, disassemble or reverse engineer the software underlying Internet Banking or create any derivative product based on the software.

27. Communications through Electronic means: Documents sent by electronic delivery will contain all the information as it appears in the printed hard copy version as prepared and distributed by the originator, with the possible exception of graphic insertions such as photographs or logotypes. Electronic delivery may be in the form of an electronic mail, an attachment to the electronic mail, or in the form of an available download from the Website. The Bank would be deemed to have fulfilled its legal obligation to deliver to the user any document if such document is sent via electronic means. Failure to advise the Bank of any difficulty in opening a document so delivered within twenty-four (24) hours after delivery shall be deemed as User’s acceptance of the document.

28. Internet Fraud & Technology Risks
The Customer hereby acknowledges that he is utilizing the Internet Banking at his own risk and shall bear all those risks naturally happen in the Internet banking. Bank does not give any warrantee, guarantee, representation, promise, agree or acknowledge in any form that it will bear any of the risk, loss, damage or fraud associated with the arrangement of internet banking with the user. These risks might include the following risks:
(i) Misuse of password/ PIN:
The User acknowledges that if any unauthorized/third person obtains access to his password or PIN, such unauthorized/third person would be able to have access to the facility and to provide instructions to the Bank and transact all his accounts. In such case, the Bank shall not be liable for any loss, damage sustained to the User. The User shall ensure that the terms and conditions applicable to the use of the password as contained in the 5. Internet Banking Password Terms are complied with at all times.
(ii) Internet Frauds:
The Internet per se is susceptible to a number of frauds, misuse, hacking and other actions, which could affect instructions given to the Bank. 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 instructions given to the Bank. The User shall separately evaluate all risks arising out of the same.
(iii)Mistakes and Errors:
The User is aware that he is required to mention correct details. In the event of any inaccuracy in this regard, the funds could be transferred to incorrect accounts, for which the Bank shall not be liable. The User will ensure that there are no mistakes and errors and the information/ instructions given by the User to the Bank in this regard are without error, accurate, proper and complete at all points of time. On the other hand, in the event of his account receiving an incorrect credit by reason of a mistake, the User shall immediately inform and return such amounts to the Bank together with interest at such rates determined by the Bank, till repayment. The Bank shall also be entitled to recover such amounts together with interest as above and reverse the incorrect credit at any time whatsoever without prior notice / consent of the User. The User shall be liable and responsible to the Bank and shall accede and accept instructions of the Bank without questions for any unfair or unjust gain obtained by him.
(iv)Transactions:
In case, the transactions as per User's instructions under Internet Banking do not fructify or not completed for any reason whatsoever, then the User shall not hold the Bank responsible or involved in any manner in the said transaction(s) and User's sole recourse in this regard shall be with the party to whom User’s instructions were favoring. The Bank is merely providing the services to the User and the Bank shall not be responsible in this regard.
(v)Technological Risks: The technology for enabling Internet Banking offered by the Bank could be affected by virus or other malicious, destructive or corrupting code or program. It may also be possible that the site of the Bank may require maintenance/repairs and during such time it may not be possible to process the request of the User. This could result in delays in processing of instructions or failure in the processing of instructions and other such failures and mobility. The User undertakes and agrees that the Bank disclaims all and any liability, whether direct or indirect, arising out of loss of profit or otherwise arising out of any failure or inability by the Bank to honor User’s instructions for whatsoever reason. The Bank shall not be liable if the instruction given by the User is not received correctly and/or is not complete and/or is not in readable form. The User understands and accepts that the Bank shall not be responsible for any of the aforesaid risks. The User also accepts that the Bank shall disclaim all liability in respect of the said risks.

29. Definitions:
The following words and phrases shall have the meanings as set below unless the context indicates otherwise:
1. "The Bank" refers to GUJARAT STATE CO-OPERATIVE BANK, The Gujarat State Cooperative Bank was established in year 1960 and registered under the Gujarat State Cooperative Societies Act 1961. The Bank is already enjoying the status of a Scheduled Bank and having requisite Banking License..
2. "Account(s)" refers to all the accounts maintained by the User with the Bank in whatever name they are designated, which are eligible Account(s) for purposes of Internet Banking. One of these Accounts shall be designated, as the Primary Account and all other Accounts, if any, of the user shall be referred to as Secondary Account (s).
3. "Internet Banking" refers to the Internet banking service offered by GUJARAT STATE CO-OPERATIVE BANK to the user including services such as
i. Enquiry about balance in the Account,
ii. Details about transactions in the Account(s),
iii. Statement of Account
iv. Transfer of funds,
v. Any other service as the Bank may decide to provide from time to time through Internet.
The availability/non-availability of a particular service shall be communicated to the user through email, web page of the Bank or in writing as may be deemed fit by the Bank. Such Internet Banking may be provided by the Bank directly or through its associates or contracted service providers.
4. "Personal Information" refers to the information provided by the user to the Bank.
5. "Terms" refer to terms and conditions herein for use of Internet Banking.
6. "User" refers to a customer of the Bank authorized to use Internet Banking. In case of the user being a minor, the guardian of such minor shall be permitted to use Internet Banking. In case user being a corporate/partnership firm/ trusts then the persons nominated with proper authority letter by the customer may be authorized to use Internet Banking. In this document all references to the user being referred in masculine gender shall be deemed to include the feminine gender.
7."Website" refers to the website owned, established and maintained by the Bank located at the URL www.gscbank.co.in
8. All other terms shall be construed in their natural grammatical or legal meanings as is properly understood in the industry