1.  Definitions:
In this document the following words and phrases have the meaning set opposite them unless the context indicates otherwise:
Bank refers to Bank of Baroda (BOB), a banking company having its Head office at Baroda House, P.B.No.506, Mandvi, Baroda -390 006, Gujarat, India and Corporate Office at Baroda Corporate Centre at C-26, G-Block, Bandra-Kurla Complex, Bandra (East), Mumbai-400051 including any branch / office thereof.
E-Banking is the Bank's Internet Service, offering the various facilities to the Retail User such as Accounts enquiry, Statement of account, Funds Transfer, Utility Bills Payment, Stop payment, request for issuance of cheque book, request for issuance of DD, other requests, etc., alerts, financial modelling and other facilities as the bank may decide upon to provide from time to time.
User refers to any individual or Corporate user availing Internet banking facility of the Bank.
Account refers to the User's Savings and / or Current Account and / or Time Deposit and / or Cash Credit, Overdraft, Loan Account and / or any other type of account as available in the Bank to be covered under the e-banking facility.
Terms refer to terms and conditions for use of e-banking as detailed in this document.
2.  Applicability of terms:
These terms form the contract between the User and the Bank. By applying for e-banking of BOB to access and utilize the various services so offered, the User acknowledges and accepts these terms. These terms will be in addition and not in derogation of the terms and conditions relating to any account of the User.

3.   a) Application for e-banking:
The Bank may extend e-banking facility to selected customers at its discretion. The User need to be a current legal Internet user or has access to the Internet and knowledge of how the Internet works. The application form for e-banking may either be downloaded and printed or the same can be received from any branch of BOB. The said form is to be filled up and duly signed by the User and submitted either to Centralized E-Banking Division, Mumbai or any of the BOB branches.  Upon receipt of request in the bank's prescribed application form for internet banking and subject to the satisfaction of the eligibility criteria laid down by the Bank from time to time, internet banking access shall be provided to the User by the Bank. The User shall not attempt or permit others to attempt accessing the account information stored in the bank's computers through any means other than e-banking. The User shall not attempt or permit others to attempt accessing the account information stored in the bank's computers which does not relate to his/her account and / or for illegal and / or improper purposes which, if done and proved to be so, will be liable for action under the appropriate law and withdrawal of the e-banking facility.
 
b) Instructions:
Bank shall provide all instructions for operating the e-banking facility to the User. The user is also responsible for the accuracy and authenticity of the instructions so provided to the Bank and the same shall be considered to be sufficient to operate the internet banking facility. The Bank shall not  be required to independently verify the instructions and the instruction once given is effective unless countermanded by further instructions. The Bank shall have no liability if it does not or is unable to stop or prevent the implementation of the initial instructions. Where the Bank considers the instructions to be inconsistent or contradictory, it may seek clarification from the User or may act upon as it may think fit.
4.   Software:
The Bank will advise from time to time the Internet software such as Browsers, which are required for using e-banking. There will be no obligation on the Bank to support all the versions of this Internet software. The User shall upgrade his software, hardware and the operating systems at his own cost from time to time and the Bank shall be under no obligation to support the software, hardware, operating systems of the User and that the same shall be the sole responsibility of the User.
5.  Joint Accounts:
    E-banking facility can be availed by the following persons for a Retail User:
1) Individuals
      2) Joint account holders with operating instructions as Self, Either or survivor,
         Anyone or survivors or survivor clause
The user who is desirous of availing the e-banking facility should authorize a single signatory to act independently to operate the e-banking account notwithstanding the fact that the joint accounts are operated on E or S / Anyone or Survivors or survivor. The said e-banking user should submit necessary authority duly signed by all accountholders, who in the normal course, have to operate the accounts as per the operating instructions.
All transactions arising from the use of e-banking in the above account shall be binding on the account holders jointly and severally. The Bank, in no way, shall be liable for any loss / damages whatsoever that may be incurred or alleged to be incurred by the said account holders in such an event.
6.  Accounts in the names of minors:
     In case of accounts opened for and on behalf of minors, the natural guardian shall   undertake to give all instructions relating to the operation of the account and further undertake not to reveal the User ID and Password to the minor, which if done so, will be at the risk and consequences of the guardian and the Bank shall not be liable for any loss on that account in case  the account is operated by the minor. In such an event the transaction will be deemed to have been undertaken by the guardian.
 
7.  Security:
The Bank shall take adequate and reasonable care to ensure the security of and prevent unauthorized access to the e-banking service using 128-bit Secured Socket Layer which is the highest level of security available for the internet banking services.
8.  Password: 
The user accepts and unconditionally agrees to the following: -
i)	Upon approval of the account holder's application, the customer will be allotted a user Id which will be shared over email.
ii)	After successful processing of the request received through HDCR menu, an email is automatically sent to the registered email ID containing user ID of the customer and the steps for setting/ resetting his/her passwords. 
iii)	Customer (both Retail and Corporate) can also use the “Forgot User ID” option available at the login page of the bob World Internet Banking portal for retrieving their User ID. 

•	In case of fresh bob World Internet user (Both Retail and Corporate), the user ID will be mentioned in the email ID and the steps for setting/ resetting his/her passwords. 
•	Customer (both Retail and Corporate) can also use the “Forgot User ID” option available at the login page of the bob World Internet Banking portal for retrieving their User ID. 

iv)      On accessing e-banking for the first time, the user must compulsorily set the password. The user is at liberty to change the password as many times as possible at his risk and consequences. The user will be solely responsible for maintaining secrecy of the password, so changed, and the Bank shall in no way be responsible for the misuse of the said password by any person other than the authorized user.
v)       The Bank does not assume any responsibility in this behalf including against loss incurred by     the user because of misuse / unauthorized use of user Id / password.
vi)      In case the user forgets the password, user can set his password using the Set/Forget Password option available at Login Page.
 
9.  Charges:
 The Bank reserves the right to charge and recover from the User charges, if any fixed, for providing any service under e-banking facility. The user hereby authorizes the Bank to recover the service charges by debiting one of the accounts of the user to make the payment within a specified period. However, there are no charges levied to the customers for e-banking services at present. Charges such as exchange on DD, commission on Bankers' Cheque, postages, courier charges, etc.   be borne by the customer.
 

10. Mailing Address:
All correspondence / delivery of any instructions by the Bank or their communication shall only be made at the normal postal address and / or e-mail address as registered with the Bank. The Bank shall in no way be held responsible for non-receipt of the same.
11.Cheque Book Issue:
The user can request for issuance of a cheque book and the same will be mailed by the Bank to the address given in the Request. The courier charges will be borne by the customer.
12.Demand Draft/Bankers' Cheque Request:
The user can request for Demand Draft/Bankers' Cheque and opt for mailing the DD / Bankers' Cheque to the communication address of the customer or delivered to the beneficiary's address as given in request. The courier/postage charges, exchange on DD and commission on Bankers' Cheque will be borne by the customer.
13. Transaction Processing:
All the Fund Transfers will be effected instantaneously in the account after invoking Instant Funds Transfer.
All the Scheduled Funds Transfer will be carried out on the scheduled dates subject to   availability of clear balance in the account.
In case Funds Transfers scheduled for effecting any transactions are received on weekly off / holiday / public holidays, they shall be effected on the immediately succeeding working day.
The user shall not hold the Bank responsible for not processing/effecting any transactions in case the Bank does not receive instruction to this effect even though the customer has forwarded the same.
 
14.Funds Transfer:
The user shall not use or attempt to use e-banking for funds transfer without sufficient funds in his account or without a pre-existing arrangement with the Bank by way of Cash Credit/overdraft. The Bank will endeavor to effect such funds transfer transactions received through e-banking provided there are sufficient funds available in the User's account.
The Bank shall not be liable for any omission to make funds transfer (s) due to circumstances beyond the reasonable control of the Bank.
15.Bill Payments:
The user shall maintain sufficient balance in his account for payment of bills on the scheduled date. The Bank shall not be liable for non-payment due to insufficient balance or circumstances beyond the reasonable control of the Bank, including technical problems of connectivity, computer breakdown, non-availability of communication links, etc.
The Bank shall in no way be responsible for the non-payment of the User's bills within the time stipulated and the User alone shall be bound to pay or discharge interest, penalty or any such charges. Further, the Bank shall not be called upon to indemnify the user. All disputes such as excess billing, disconnection of service or facility, wrong credit or debit, shall be resolved by the User only, and the Bank shall in no way be responsible for the same.
 
16.Authority to the Bank:
E-banking transactions in the User's Account(s) are permitted only after authentication of the User Id and transaction Password of the User. The User grants express authority to the Bank for carrying out the banking transactions performed by him through e-banking. The Bank shall have no obligation to verify the authenticity of any transaction received from the User through e-banking or purporting to have been sent by the User via e-banking other than by means of verification of the User-Id and the transaction password.
Illegal or improper use of the e-banking facility shall render the user liable for payment of financial charges as decided by the Bank or will result in the suspension of the operations through e-banking.
The display or printed output that is produced by the User at the time of operation of e-banking is a record of the operation of the Internet transactions.
17.Accuracy of Information:
The User is responsible for the correctness of information provided to the Bank through the use of e-banking or through any other means such as electronic mail or written communication. The Bank accepts no liability for the consequence arising out of erroneous information provided by the User. The user shall at periodic intervals check the correctness of the statement and shall inform the Bank about any discrepancies that may occur. However, Bank does not accept any liability.
All outputs of statements are duplicate statements of account and will be prepared by electronic means and the information contained therein will be extracted from a computerized back-up system maintained by the Bank. While the Bank will take all reasonable steps to ensure the accuracy of the statement, the Bank is not liable for any error. The User shall hold the bank harmless against any loss, damages, etc. that may be incurred /suffered by the User if the information contained in the above said outputs turns out to be inaccurate / incorrect.



18.Liability of the User:
The User alone shall be liable for any loss from unauthorized transactions in the e-banking accounts if he has breached the terms or contributed or caused the loss by negligent actions such as the following:
Keeping a written or electronic record of e-banking password.
Disclosing or failing to take all reasonable steps to prevent disclosure of the e-banking password to anyone including any minor, Bank staff and/or failing to advise the Bank of such disclosure within reasonable time.
Not advising the Bank in a reasonable time about unauthorized access to or erroneous transactions in the e-banking accounts.
The Bank shall in no circumstances be held liable by the User if e-banking access is not available in the desired manner for reasons including but not limited to natural calamity, floods, fire and other natural disasters of any kind, legal restraints, faults in the telecommunication network or Internet or network failure, power breakdown or UPS breakdown, software or hardware failure and or error or any other reason beyond the reasonable control of the Bank. The Bank shall in no way be liable for any loss or damage that may occur due to hacking of the account by any persons other than the user, which fits in the definitions of a 'Cyber Related Crime' as accepted internationally. The Bank shall under no circumstances 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, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the User or any other person.
19.Indemnity:
     The User shall indemnify and hold the Bank harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of arising out of providing e-banking facility or by reason of the Bank in good faith taking or refusing to take or omitting to take action on any instruction given by the User.
20. Disclosure of Personal Information:
The User agrees that the Bank may hold and process his Personal Information on computer or otherwise in connection with e-banking services as well as for statistical analysis and credit scoring. 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, the following:

       participation in any telecommunication or electronic clearing network
       compliance with a legal directive
       credit rating by recognized credit rating / scoring agencies
       fraud prevention purposes.
 
21.Bank's Lien:
The Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the User's accounts whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the e-banking service extended to and/or used by the User.
22.Proprietory Rights:
The User acknowledges that the software underlying the e-banking service as well as other Internet related software which are required for accessing e-banking are the legal property of the respective vendors. The permission given by the Bank to access e-banking will not convey or confer any proprietary or ownership rights in the above software. The user shall in no way try to alter / tamper or experiment with the said program. Any breach on the part of the user will be dealt under the appropriate law and user shall be liable for damages that may be incurred by the Bank.
     The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying e-banking or create any derivative product based on the software.
 
23.Change of Terms and Conditions:
The bank has the absolute discretion to amend or supplement any of the Terms at any time without prior notice to each user about the same. The changes so made will be available on the website of the bank which the customers are requested to refer to from time to time. Proposed and existing users to the services are advised to confirm themselves about the terms and conditions contained therein to take note of any changes, modifications and/or amendments which may be made to the scheme from time to time by the Bank. The bank may introduce new services within e-banking from time to time. The existence and availability of the new functions will be displayed on the bank's website along with the revised/changed terms and conditions applicable to such other e-banking services. By using the services, it is deemed that the User agrees to be bound by the terms and conditions applicable.

24. Non-Transferability:
The grant of facility of e-banking to a User is not transferable under any circumstance and shall be used only by the User who will be responsible for all the consequences thereof.
 
25.Cancellation / Termination of e-banking:
The User may request for cancellation of the e-banking facility any time by giving a reasonable notice to the Bank. The User will remain responsible for any transactions made in his accounts through e-banking prior to the time of such cancellation of the e-banking Service as informed by Bank after accepting such request. The Bank may withdraw the e-banking facility anytime provided the User is given reasonable notice. The closure of all Accounts of the User will automatically terminate the e-banking service. The Bank may suspend or terminate e-banking facilities without prior notice if the User has committed breach of these terms and conditions or the Bank learns of the death, bankruptcy or legal incapacity of the User.
 
26.Notices:
The Bank and the User may give notices under these Terms and Conditions:
 
         Electronically to the mailbox of either party. Such notices will be regarded as being in writing.
 
         In writing by delivering them by hand or by sending them by post to the last address given by the User
 
In addition, the Bank may also publish notices of general nature, which are applicable to all Users of e-banking on its web site. Such notices will have the samemn effect as a notice served individually to each User and or that of a notice published in a newspaper of print media.
27.Governing Law:
The terms and conditions and/or the operations in the accounts of the User maintained by the Bank and/or the use of the services provided through e-banking shall be governed by the appropriate laws as prevalent in India and no other nation. The User and the Bank agree to submit to the exclusive jurisdiction of the Courts located in Mumbai, India as regards any claims or matter arising under these terms and conditions.
Any dispute or difference arising between the User and the Bank shall be settled by mutual consultation /discussion failing which, the same shall be referred to Arbitration. The Arbitration proceedings shall be governed and conducted in accordance with the Indian Arbitration and Conciliation Act, 1996 and that the Arbitration proceedings shall take place in Mumbai.
The Bank accepts no liability whatsoever, direct or indirect, for non-compliance or breach of the laws of any country other than the Republic of India. The mere fact that the e-banking Service can be accessed through Internet by a User in a country other than India shall not be interpreted to imply that the laws of the said country shall govern these terms and conditions and/or the operations in the e-banking accounts of the User and/or the use of e-banking. The user of the e-banking facility by a person from any place other than India will not alter the situation and the said user shall be deemed to have submitted himself to the laws of the Republic of India and only the Indian courts shall have the jurisdiction.
28.General:
The clause headings in this agreement are only for convenience and do not effect the meaning of the relative clause. The User shall not assign this agreement to anybody else.

 

Corporate Users

1. Definitions:
In this document the following words and phrases have the meaning set opposite them unless the context indicates otherwise:
 
Bank refers to Bank of Baroda (BOB), a banking company having its Head office at  Baroda House, P.B.No.506, Mandvi, Baroda -390 006, Gujarat, India  and Corporate Office known as Baroda Corporate Centre at C-26, G-Block,  Bandra-Kurla Complex, Bandra (East), Mumbai-400051 including any branch / office thereof.
 
E-banking is the Bank's Internet Service, offering the various facilities to the Corporate User such as Accounts enquiry of corporate in various locations and divisions,   statement of account, Funds Transfer, Utility Bills Payment, stop payment, request for issuance of cheque book, request for issuance of DD, alerts, salary uploads, trade finance, financial modelling  and other requests  etc. and other facilities as the Bank may decide upon to provide from time to time.
 
User refers to any person other than individual user such as sole proprietorship, partnership, public limited companies, private limited companies, HUF, Co-operative Societies, Clubs, Associations, Trusts and any other corporate concerns having  internet banking facility of the Bank and such user is identified as a Corporate User.
 
Account refers to the User's Savings / Current / Time Deposit / Cash Credit / Overdraft / Loan Account  and / or any other type of account as available in the Bank to be covered under the e-banking  facility.
 
Terms refer to terms and conditions for use of e-banking as detailed in this document.
 
2. Applicability of terms:
These terms form the contract between the User and the Bank. By applying for e-banking of BOB to  access and utilize the various services so offered, the User acknowledges and accepts these terms. These terms will be in addition and not in derogation of the terms and conditions relating to any account of the User.
 
3.   a) Application for e-banking:
   The Bank may extend e-banking facility to selected customers at its discretion. The User need to be a current legal Internet user or has access to the Internet and knowledge of how the Internet works. The application form for e-banking  may either be downloaded and printed or the same can be received from any branch of BOB. The said form is to be filled up and duly signed by the User and submitted either to the Centralised E-Banking Dept., Mumbai or any BOB branch. Upon receipt of request in the bank's prescribed application form for internet banking and subject to the satisfaction of the eligibility criteria laid down by the Bank, from time to time, internet banking access shall be provided to the User by the Bank. The User shall not attempt or permit others to attempt accessing the account information stored in the Bank's computers through any means other than e-banking. The User shall not attempt or permit others to attempt accessing the account information stored in the Bank's computers which does not relate to his or its account and / or for illegal and improper purposes which, if done and proved so, will be liable for action under the appropriate law and withdrawal of the e-banking facility.
 
      b) Instructions:
Bank shall provide all instructions for operating the e-banking facility to the User. 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 facility. The Bank shall not  be required to independently verify the instructions and the instruction once given is effective unless countermanded by further instructions. The Bank shall have no liability if it does not or is unable to stop or prevent the implementation of the initial instructions. Where the Bank considers the instructions to be inconsistent or contradictory, it may seek clarification from the User or may act upon as it may think fit.
 
4. Software:
The Bank will advise from time to time the Internet software such as Browsers, which are required for using e-banking. There will be no obligation on the Bank to support all the versions of these Internet software. The User shall upgrade his software, hardware and the operating systems at his own cost from time to time and the Bank shall be under no obligation to support the software, hardware, operating systems of the User and that the same shall be the sole responsibility of the User.
 
5. Accounts:
      e-banking facility can be availed by the following accountholders :
1) Sole Proprietor
     2) Corporate Bodies (Public Ltd. Co., Private Ltd. Co. etc.)
     3) Partnership firms
     4) HUF
     5) Trusts
     6) Clubs
     7) Association
     8) Co-operative Societies
 
The Corporate user who intends availing the e-banking facility should delegate suitable powers in the hierarchy of the Corporate to the identified  persons who are given the authority for logging in the internet banking of  the Bank as a Corporate user for view, transact and approve the transactions on internet banking on behalf of the Corporate.  Accordingly, the said e-banking Corporate should submit necessary authority to the Bank duly signed by the Authorised signatory alongwith the workflow for the users to use the e-banking on behalf of the Corporate.  
 
Corporate Bodies should ensure to submit the necessary special Resolution passed by the Board  of Directors and should also satisfy the Bank that the said authorisation is within the parameters of law and its Memorandum & Articles of Association.
 
In the case of partnership firms, joint holders and other categories, necessary Declaration in such formats as may be prescribed by the Bank should be submitted.
 
All transactions arising from the use of e-banking in the above account shall be binding on the account holder jointly and severally. The Bank, in no way, shall be liable for any loss / damages whatsoever that may be incurred or alleged to be incurred by the said account holders in such an event.
 
6. Security:
The Bank shall take adequate and reasonable care to ensure the security of and prevent unauthorised access to the e-banking service using 128 SSL (Secured Socket Layer) which is the highest security available for the internet banking services.
 
7. Password:
The Corporate User accepts and unconditionally agrees to the following:-
i) Upon approval of the account holder's application, the customer will be allotted Corporate user, user Id and login and transaction  password to access the e-banking  facility.
ii) The user id and password will be mailed by the Bank separately  to the mailing address in terms of the option exercised by the Corporate customer in the Application  Form.
iii) The password so mailed is not known to anyone including the Bank staff. In the event of the mails containing user id and password reaches the customer in a tampered / damaged condition, contact the Bank immediately.
iv) On accessing e-banking for the first time, the user has to compulsorily  change the password assigned by the Bank through the relevant option. The user is at liberty to change the password as many times as possible at his risk and consequences. The user will be solely responsible for maintaining secrecy of the password, so changed, and the Bank shall in no way be responsible for the misuse of the said password by any person other than the authorised user.
v) The bank does not assume any responsibility in this behalf including against loss incurred by the user as a result of misuse / unauthorised use of user Id / password.
vi) In case the user forgets the password, a new password may be obtained from the Bank against a written request in the prescribed Bank's format as available on internet / Bank's branch. Such replacements shall not be construed / deemed as the commencement of new contract. In such an event the Bank shall provide the new password within a reasonable period of time. However, till such time no transactions could be effected.
 
8. Charges:
     The Bank reserves the right to charge and recover from the User charges, if any fixed, for providing any service under e-banking  facility. The user hereby authorise the Bank to recover the service charges by debiting one of the accounts of the user to make the payment within a specified period. However, there is no charges levied to the customers for e-banking services at present. Charges such as exchange on DD, commission on Bankers' Cheque, postages, courier charges, etc. to be borne by the Corporate user.
 
9. Mailing Address:
All correspondence / delivery of any instructions by the Bank or their communication shall only be made at the normal postal address and / or e-mail address as registered with the Bank. The Bank shall in no way be held  responsible for any non-receipt of the same.
 
10.Cheque Book Issue:
The user can request for issuance of a cheque book and the same will be mailed by the Bank to the address given in the Request. The courier charges will be borne by the customer.
 
11.Demand Draft/Bankers' Cheque Request:
The user can request for Demand Draft/Bankers' Cheque and opt for mailing the DD / Bankers' Cheque to the communication address of the customer or delivered to the beneficiary's address as given in the request.  The courier/postage charges, exchange on DD, commission on Bankers' Cheque  will be borne by the customer.
      
12. Transaction Processing:
All the Funds Transfer will be effected instantaneously in the account after invoking Instant Funds Transfer.
 
            All the Scheduled Funds Transfer will be carried out on the scheduled date subject to availability of clear balance in the account.
 
In case Funds Transfer are scheduled  for effecting any transactions are received on weekly off / holiday / public holidays, they shall be effected on the immediately succeeding working day.
 
The user shall not hold the Bank responsible for not processing/effecting any transactions in case the Bank does not receive instruction to this effect even though the customer has forwarded the same.
 
13.Funds Transfer:
     The user shall not use or attempt to use e-banking for funds transfer without sufficient funds in his account  or account without a pre-existing arrangement with the Bank by way of  Cash Credit/overdraft. The Bank will endeavour to effect such funds transfer transactions received through e-banking provided there are sufficient funds available in the User's account.
 
     The Bank shall not be liable for any omission to make all or due to circumstances beyond the reasonable control of the Bank.
 
14.Bill Payments :
The user shall maintain sufficient funds for payment of bills on the scheduled date. The Bank shall not be liable for non-payment due to insufficient balance or circumstances beyond the reasonable control of the Bank, including technical problems of connectivity, computer breakdown, non-availability of communication links, etc.
 
The Bank shall in no way be responsible for the non-payment of the User's bills within the time stipulated and the User alone shall be bound to pay or discharge interest, penalty or any such charges. Further, the Bank shall not be called upon to indemnify the user.  All disputes such as excess billing, disconnection of service or facility, wrong credit or debit by the Bank, shall be resolved by the User only, and the Bank shall in no way be responsible for the same.
 
15.Authority to the Bank:
E-banking  transactions in the User's Account(s) are permitted only after authentication of the User Id and transaction password of the User. The User  grants express authority to the Bank for carrying out the banking transactions performed by him through e-banking. The Bank shall have no obligation to verify the authenticity of any transaction received from the User through e-banking or purporting to have been sent by the User via e-banking other than by means of verification of the User-Id and the transaction password.
 
Illegal or improper use of the e-banking facility shall render the user liable for payment of financial charges as decided by the Bank or will result in the suspension of the operations through e-banking..
 
The display or printed output that is produced by the User at the time of operation of e-banking is a record of the operation of the Internet transactions.
 
16.Accuracy of Information:
The User is responsible for the correctness of information provided to the Bank through the use of  e-banking or through any other means such as electronic mail or written communication. The Bank accepts no liability for the consequence arising out of erroneous information supplied by the User. The user shall at periodic intervals check the correctness of the statement and shall inform the Bank about any discrepancies that may occur.
 
All outputs of statements are duplicate statements of account and will be prepared by electronic means and the information contained therein will be extracted from a computerised backup system maintained by the Bank. While the Bank will take all reasonable steps to ensure the accuracy of the statement, the Bank is not liable for any error. The User shall hold the Bank harmless against any loss, damages, etc. that may be incurred /suffered by the User if the information contained in the above said outputs turns out to be inaccurate / incorrect.
 
17.Liability of the User:
The User alone shall be liable for any loss from unauthorised transactions in the e-banking accounts if he has breached the terms or contributed or caused the loss by negligent actions such as the following:
 Keeping a written or electronic record of e-banking password.
 
Disclosing or failing to take all reasonable steps to prevent disclosure of the e-banking password to anyone including any minor, Bank staff and/or failing to advise the Bank of such disclosure within reasonable time.
 
Not advising the Bank in a reasonable time about unauthorized access to or erroneous transactions in the e-banking accounts.
 
The Bank shall in no circumstances be held liable by the User if e-banking access is not available in the desired manner for reasons, including but not limited to, natural calamity, floods, fire and other natural disasters of any kind, legal restraints, faults in the telecommunication network or Internet or network failure, power breakdown or UPS breakdown, software or hardware failure and or error or any other reason beyond the reasonable control of the Bank. The Bank shall in no way be liable for any loss or damage that may occur due to hacking of the account by any persons other than the user, which fits in the definitions of a 'Cyber Related Crime' as accepted internationally. The Bank shall under no circumstances 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, investment, production, goodwill, profit, interruption of business or any other loss of any character or nature whatsoever and whether sustained by the User or any other person.
 
18.Indemnity:
     The User shall indemnify and hold the Bank harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of arising out of providing e-banking facility or by reason of the Bank in good faith taking or refusing to take or omitting to take action on any instruction given by the User.
 
19. Disclosure of Personal Information:
The User agrees that the Bank may hold and process his Personal Information on computer or otherwise in connection with e-banking services as well as for statistical analysis and credit scoring. 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, the following:

  For participation in any telecommunication or electronic clearing network
  In compliance with a legal directive
  For credit rating by recognized credit rating / scoring agencies
  For fraud prevention purposes.
 
20.Bank's Lien:
The Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the User's accounts whether in single name or joint name(s), to the extent of all outstanding dues, whatsoever, arising as a result of the e-banking service extended to and/or used by the User.
 
21.Proprietory Rights:
The User acknowledges that the software underlying the e-banking service as well as other Internet related software which are required for accessing e-banking are the legal property of the respective vendors. The permission given by the Bank to access e-banking will not convey or confer any proprietory or ownership rights in the above software. The user shall in no way try to alter / tamper or experiment with the said program. Any breach on the part of the user will be dealt under the appropriate law and user shall be liable for damages that may be incurred by the Bank.
 
     The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the software underlying e-banking or create any derivative product based on the software.
 
22.Change of Terms and Conditions:
The Bank has the absolute discretion to amend or supplement any of the Terms at any time without prior notice to each user about the same. The changes so made will be available on the website of the Bank which the customers are requested to refer to from time to time. Proposed and existing users to the services are advised to confirm themselves about the terms and conditions contained therein to take note of any changes, modifications and/or amendments which may be made to the scheme from time to time by the Bank. The Bank may introduce new services within e-banking from time to time. The existence and availability of the new functions will be displayed on the Bank's website alongwith the revised/changed terms and conditions applicable to such e-banking services. By using the services, it is deemed that the User agrees to be bound by the terms and conditions applicable.
 
23.Non-Transferability:
The grant of facility of e-banking to a User is not transferable under any circumstance and shall be used only by the User who will be responsible for all the consequences thereof.
 
24.Cancellation / Termination of e-banking:
The User may request for cancellation of the e-banking facility any time by giving a written notice  to the Bank. The User will remain responsible for any transactions made in his accounts through e-banking prior to the time of such cancellation of the e-banking Services. The Bank may withdraw the e-banking facility anytime provided the User is given reasonable notice. The closure of all Accounts of the User will automatically terminate the e-banking services. The Bank may suspend or terminate e-banking facilities without prior notice if the User has committed breach of these terms and conditions or the Bank learns of the death, bankruptcy or legal incapacity of the User.
 
25.Notices:
The Bank and the User may give notices under these Terms and Conditions:
 
  Electronically to the mailbox of either party. Such notices will be regarded as being in writing.
 
   In writing by delivering them by hand or by sending them by post to the last address given by the User
 
In addition, the Bank may also publish notices of general nature, which are applicable to all Users of e-banking on its web site. Such notices will have the same effect as a notice served individually to each User and or that of a notice published in a newspaper of print media.
 
 
 
26.Governing Law:
The terms and conditions and/or the operations in the accounts of the User maintained by the Bank and/or the use of the services provided through e-banking shall be governed by the appropriate laws as prevalent in India and no other nation. The User and the Bank agree to submit to the exclusive jurisdiction of the Courts located in Mumbai, India as regards any claims or matter arising under these terms and conditions.
 
Any dispute or difference arising between the User and the Bank shall be settled by mutual consultation /discussion failing which, the same shall be referred to Arbitration. The Arbitration proceedings shall be governed and conducted in accordance with the Indian Arbitration and Conciliation Act, 1996 and that the Arbitration proceedings shall take place in Mumbai.
 
The Bank accepts no liability whatsoever, direct or indirect, for non-compliance or breach of the laws of any country other than the Republic of India. The mere fact that the e-banking Service can be accessed through Internet by a User in a country other than India shall not be interpreted to imply that the laws of the said country shall govern these terms and conditions and/or the operations in the e-banking accounts of the User and/or the use of e-banking. The user of the e-banking facility by a person from any place other than India will not alter the situation and the said user shall be deemed to have submitted himself to the laws of the Republic of India and only the Indian courts shall have the jurisdiction.
 
27 General:
The clause headings in this agreement are only for convenience and do not effect the meaning of the relative clause. The User shall not assign this agreement to anybody else.

BANK OF BARODA (BOB) has made all efforts to ensure that the contents of this website do not contain any mistakes, omissions, inaccuracies, typographical and other errors. 
However, BOB assumes no responsibility, if any such errors are there in the contents of the website. BOB makes no warranty or

Representation that this website is free from all errors, mistakes, etc.

Hyper links, if any, to other Internet websites are at user's own risk. The contents of these sites are not verified or endorsed by  
BOB in any way.BOB makes  no warranty  or representation that  the  contents   of  such  websites  are error-free and correct.

BOB has taken all steps to prevent the introduction of viruses, worms or other destructive material to this website. 
However, BOB does not guarantee or warrant that this website or the material that may be downloaded from this website does not contain  
any  such destructive material. BOB shall not be liable for  any  harm  or  damages  which  may  be  caused  due  to  such destructive Material  if present in this website.

BOB has taken all steps to protect the customer information. However, BOB shall not be liable or responsible and expressly disclaims any 
liability arising on account of information passing through unauthorized access of the website or otherwise.

It is the understanding that the customer shall make use of the BOB  e-channel facility inter alia for carrying out valid and legal transactions and shall in no way violate the provisions 
of law in force from time to time. The Customer alone shall be responsible for all or any such violations, including any money laundering, both attempted and otherwise.
It is the understanding of BOB and the Customer that all the transactions carried out by the Customer are valid transactions and shall not be disputed, the very fact that the Customer, 
if not well versed in the operation of internet and/or computers, gets the transaction done or carried out through his agents shall not alter the basic structure and 
it shall be deemed that all such transactions are carried out by the Customer himself.

Under no circumstances shall BOB be liable to any User for any loss, claim, liability or damages of any kind and/or any special, direct, 
incidental, punitive, exemplary or consequential damages of any kind whatsoever resulting from:-

	the use of or the inability to use the Web Site or its content / materials;
	the failure of performance, error, omission, interruption, defect, delay in operation, transmission or system failure;
	any computer viruses or harmful components;
	any other reason;even if BOB had been advised of the possibility of such claim, loss, liability or damages.

Materials / contents displayed on the Web Site shall be used only for the personal purpose of the user and not for any commercial purpose and 
under no circumstances the user shall distribute, modify, transmit, make copies, or use the contents of the Web Site for commercial 
purposes without the written permission of BOB.
BOB reserves the right to correct, amend or modify the contents or any part of the contents of the Web Site at any time, at its sole discretion.
Accessing and Browsing the Web Site, by implication, means that the User had gone through and agreed to abide by the Terms and Conditions and the Disclaimers of this Web Site.

• • Dear Customer - For your security, please ensure that your Mobile Number and Email ID are updated in the Bank's records. Kindly visit your base branch for the same.
• • Dear Customer - Do not save your Internet Banking password on any web browser using the default save password option. For security reasons, Bank of Baroda recommends entering the Internet Banking password manually every time.
• • Delivery of OTP on email has been discontinued and the OTP delivery will be now only through SMS on registered Mobile number for both Retail and Corporate customers to enhance the security feature. NRI customers will continue to get OTP on both registered email as well registered Mobile number.
• • In case your mobile is deactivated without your request or you get a call in this regard, somebody may be trying to get a duplicate SIM/ steal your credentials like OTP (One time password), Tracker ID for beneficiary registration etc
• • Our bank does not ask for the details of your account like /PIN/ Password/ mobile numbers etc. Therefore, anyone pretending to be asking you for information may be fraudulent entities.
• • Any caller pretending to be from our Bank / Contact Centre may persuade you to reveal your credentials like User Id and password stating that password sent to you is erroneous and correct password needs to be sent. Please do not entertain such requests as they are fraudulent entities.
• • In case any unauthorized access to your information, accounts or disputed transactions, using internet Banking service, please check immediately with telecom service provider and contact the Bank on 1800 5700/+9179 6629 6629(For NRI Customers).
• • Change Passwords immediately on any such suspected activity/ as frequently as possible.
• • Beware of scams tempting you to invest in fraudulent schemes by promising high returns. #PehchaanCon #BankSafe. Report cyber frauds on 1930.
• • Be wary of fraudsters pretending to be govt officials who threaten legal action or fines to extort money. #PehchaanCon #BankSafe. Report cyber fraud on 1930.

PHISHING
• Phishing, also called spoofing,is the act of attempting to fraudulently acquire sensitive information, such as passwords and credit card details, by masquerading as a trustworthy person or business with a real need for such information in a seemingly official electronic notification or message. The e-mail directs the user to visit a web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has.
• 1. Never respond to emails that request personal information
• At Bank Of Baroda, we would never ask for your personal details through an email/ phone. Nor would we ask for your password through any means, online or offline.
• 2. Always check the URL and the Security Certificate.
• BarodaConnect eBanking servies is hosted on secured site : www.bobibanking.com only. While clicking on Login button do not forget to check the URL on the Address Bar. Also, at any point you can assure yourself of security by cross checking the security certificate. This can be viewed by clicking on lock icon at status bar at the bottom.
• 3. Avoid using cyber cafes to access your online accounts
• as they may be infested with Virus,Trojans or Spywares which might track your activity or worse, compromise your security.
• 4. Keep your computer secure
• by Installing and continuously updating Anti Virus software(s).
• 5.Keep your password top secret and change them often.
• Please do NOT disclose you User ID and/or Passwords to any person - not even Bank staff - either Intentionally or otherwise. Periodically change your Passwords.
• How does BarodaConnect eBanking protects you from Phishing
• Bank, on their part, use 128-bit Secure Sockets Layer (SSL) encryption technology certified by Verisign to https://www.bobibanking.com to encrypt the information you send online. This ensures that the information exchanged between your computer and the bank's web site is completely protected and all details such as login and password remain secret. Another safety feature is the timed logout, which means the session is automatically terminated if it's not active for a certain period.

BRIEF ABOUT YOUR PASSWORD
• As reported, you will receive two passwords i.e. log in and transaction password. You will have to compulsorily change the password, when you log in for the first time. While changing the password and while subsequently using it, please note that
• • It must be minimum 8 digit long and maximum 16 digit long.
• • It must contain an alphabet (A-Z or a-z) and a number (0-9) and a special character (@,$,#,*etc.), all the three.
• • It should not contain all the letters used in your user id.
• • It is case sensitive i.e. if password is in small letters use the same. If you use capital letters, it will not work.
• • For your safety, your password will be blocked, if attempt to log in fails for 5 times. (If your password is blocked (i.e. you perfectly remember your password, but while keying in, you keyed in wrongly for 5 times and it got locked) please submit the form to the branch for enabling the password. Your password will be enabled and you will be able to access Baroda Connect, using the same password).
• • While changing the password subsequently, you can't use any of your last 5 passwords.
• • If not changed in 90 days, system will force you to change the password. However, we advise you to keep changing the passwords, at a regular interval.
• • If you have forgotten your user ID/ password, please submit forgot password form (attached in the instant guide) to the branch. Bank will generate new password, send you the same in mailer (the way in which you got your first password) and you will be forced to change the password on your log in.

SECURITY OF YOUR PASSWORD:
• Please note that your password(s) are of utmost importance in Internet Banking. It is the only way to identify you, by the system. Therefore, its security is very crucial and we advise you as under
• • Please do not write these passwords anywhere,
• • If you feel someone knows any of your passwords (i.e. it is compromised), please change the password immediately.
• • You should change the passwords at a regular interval (you will be forced to change the password by the system, if you do not do so after 90 days)
• • Do not share your username and password(s) to anybody, including bank staff. (Bank does not require your user id or password at any point of time. So if you receive any communication asking for this information, please do not send your user id or password(s)).
• • Do not use name of your spouse, children etc. as a password, since they are very easy to crack. Further, avoid using important dates(wedding anniversary, birthdays of yourself/ spouse/ children etc.) as your password. relatives name or date of birth or address in your password.

OTHER IMPORTANT SECURITY TIPS:
• • Do not leave your computer unattended while you are accessing Internet banking services.
• • Always type full URL i.e. address of the Internet Banking website. For eg: https://www.bobibanking.com or add this website in your favorites. This will avoid the need for typing the URL every time, you log in and subsequent risk of scouting. Please ensure that https is used while logging in. 'S' indicates that this is secured site. You will always see a lock at the bottom right corner of your computer, indicating secured site. If you are not seeing this lock symbol, check if your website address is correct.
• • Every time you log in, you are shown the time when you logged in last. If you feel that, you did not log in at the time shown, get alerted immediately. Change your passwords, check all the transactions and ensure that nothing untoward has taken place.
• • Please ensure that antivirus on your PC is updated and thereby risk of virus attacks can be reduced. However, anti-virus can not check for spywares. So avoid downloading unwanted softwares from the unreliable websites.
• • The recommended browsers are
• -> Internet Explorer Version 5.5 and above
• -> Netscape Navigator Version 7.1 and above
• • As and when you have finished using Internet Banking, do not forget to log out completely. Further close the window completely, after you log out. Avoid closing the window abruptly, on usage.
• • Know your software. Malicious software (e.g., viruses, worms, Trojan horses, and spyware) often masquerades as legitimate and even useful software. Think carefully before installing or running new software, especially anything unsolicited.
• • Clear the browser cache regularly and to clear your browser cache in case of Internet Explorer
• -> Go to "Tools"
• -> Go to "Internet Options"
• -> Select "General"
• -> Click on "Delete Files" at "Temporary Internet files"
• • To clear your browser cache in case of Netscape Navigator
• -> Go to "Netscape" or "Edit"
• -> Go to "Preferences"
• -> Select or double-click on "Advanced"
• -> Select "Cache"
• -> Click on "Clear Memory Cache" and "Clear Disk Cache"

Founded on 20th July 1908 by Sir Maharaja Sayajirao Gaekwad III, Bank of Baroda is one of the leading commercial banks in India. At 63.97% stake, it is majorly owned by the Government of India. The Bank serves its global customer base of over ~165 million through around 60,000 touch points spread across 17 countries in five continents and through its various digital banking platforms, which provide all banking products and services in a seamless and hassle-free manner.

• Visit us at: www.bankofbaroda.in
• Facebook: www.facebook.com/bankofbaroda/
• Twitter: www.twitter.com/bankofbaroda
• Instagram: www.instagram.com/officialbankofbaroda/
• LinkedIn: www.linkedin.com/company/bankofbaroda/

Our Mission

To be a top-ranking National Bank of International Standards committed to augmenting stakeholder's value through concern, care and competence.

New Technology Platform

Bank has made substantial progress in its end-to-end business and IT strategy project covering domestic, overseas and subsidiary operations. All branches and counters are on the core banking solution (CBS) platform.

Services include bob World Internet Banking, online tax payments, utility bills, rail tickets, shopping, donations, and institutional fee payments. Mobile ATMs and corporate services like salary upload and trade finance are also available.

bob World Internet Banking

bob World Internet is the Bank of Baroda's internet banking facility that caters to your banking needs 24/7 from the comfort of your home or office. Bank of Baroda has created few easy steps. to access your bank account. You can view your bank balance, FD status, manage multiple accounts while also being able to transfer funds virtually, request for issuance of cheque books, liquidate FDs created online, pay your utility bills, among many other services. Hassle-free internet banking facilities makes banking with Bank of Baroda the perfect experience

• Once you have logged in with the help of your user id and password, you can access all your accounts-operative, fixed deposit, loan account from one place. If you have multiple accounts with Bank of Baroda, you can access all of them from one log in if you have a common customer id for them.

• Now it is easier than ever as you can simply view the summaries of all your Bank of Baroda accounts from a single log in.

• Net banking is also where you will find all your accounts statements to view and download from.

• Log in to generate your transaction history which is more detailed than your account summaries.

• Most of the services are available free of cost.

• Free online viewing of Tax Credit Statement (Form 26 AS).

• Switch mailing address/generation of ESBTR receipt-GRN/Generation of TDS Certificate/generation of Interest certificate of SB/TD/OD and Loan accounts/tracking of Loan status/get access to SPGRS/direct access to e-trade/download pensioner life certificate/navigate to NPS site and contribute to NPS/direct access to Baroda E-Trade, where customer can login using his/her credentials and can perform DEMAT transactions/Can check CIBIL score/Hot listing of Debit card.

• Free bill presentment/bill payment/online shopping/receive and view bills online/alert on pending bills/payment to IndiaFirst Life Insurance/payment to Baroda pioneer.

• Free online temple/other donation/donation to Prime Minister Relief fund.

• Free mobile alerts of debit and credit transactions.

• To avoid non delivery or delayed delivery of OTP our IT team has developed CA MOBILE OTP application on mobile handset supporting Apple, Android, Windows, and Blackberry.

• Centralized dedicated Internet Banking Operations Team. 5000+ support centres all India (branches).

• Modelling of loan/deposits.

• Customers including NRI/PIO with full transaction rights are provided facility to create online Term deposits by themselves with facility of its pre-mature closure.

• Domestic retail customers with full transaction rights are provided facility to create online Recurring deposits account by themselves with facility of its pre-mature Closure.

• To reduce TAT (Turn Around Time) and to ease customer convenience, the online self-registration for bob World Internet by using the active Debit card is available for the retail customers.

• Online User ID retrieval & resetting of Passwords facility is available for both Retail as well as corporate customers in bob World Internet.

• Our retail customers can link, View, Deposit and delink their PPF & Sukanya Samriddhi accounts through bob World Internet.

• The KVP customers can view their KVP certificate opened in BOB Branches by logging to their bob World Internet account.

• Bank has launched the facility for purchasing of Sovereigns Gold Bond online through bob World Internet.

• Updation/deletion/addition of nominee can be possible through bob world internet