TERMS & CONDITIONS

Know more about the Terms and Conditions of Citibank Online.

Terms & Conditions.

CITIBANK ONLINE, CITI ALERTS, CITI ELECTRONIC STATEMENTS AND ELECTRONIC ADVICE USER AGREEMENT

For any updates in the Citibank Online Terms and Conditions, please refer to the New Terms and Conditions link in the Citibank Online login page.

The words "You", "Your" and "Yours" refer to any holder of a Citibank, N.A. Philippine Branch Automated Teller Machine (ATM) Card ("Citibank ATM Card" or "ATM Card") or a Citibank, N.A. Philippine Branch VISA/Mastercard ("Citibank VISA/Mastercard" or "VISA/Mastercard") and a Citibank ATM/Debit Card Number and ATM/Debit Personal Identification Number ("ATM/Debit PIN") and/or Credit Card Number and Cash Advance Personal Identification Number ("Cash Advance PIN"). The words "We", "Us", "Our", "Citi" and "Citibank" refer to Citibank, N.A., Philippine Branch ("Citibank"), or to Citicorp Financial Services and Insurance Brokerage Philippines, Inc. ("CFSI"), or to both as applicable.

A Citibank ATM/Debit Card or a Citi VISA/Mastercard credit card, on which there is a number (the "Card Number"), has been or may at your request be issued by us, and an ATM/Debit PIN or Cash Advance PIN, and a Citibank Online Username, Password, and a set of Personally Identifiable Information (PII) assigned by you, and additionally, in the case of Citibank Online transactions, a One-Time PIN ("OTP") either sent via SMS to your mobile phone number on record in our system or generated by a registered Citibank Online Security Device you may have requested or by the One-Time PIN via Citi Mobile Banking App which you may have registered to, and an Online Funds Transfer Authorization Code ("OAC") assigned by us, for all or any of your accounts from time to time opened and maintained with or made available by us (collectively the "Accounts") to enable you to be connected to our data and operation system (the "System") to have direct access to any of the Accounts or to effect banking/card transactions via the use of personal computers, mobile phones or similar access devices ("customer terminal").

In consideration of our agreement to provide Citibank Online, you agree that:

  1. 1. ACCEPTANCE.

    Citibank Online means Citi’s online electronic banking and electronic brokerage facility wherein we provide and you avail through the medium of the customer terminal and Citibank Online or via Citi Mobile Application (Citi Mobile App) certain products and services to you. For the purpose of these terms and conditions, the term "Citibank Online" covers "Citibank Online" and "Citi Mobile App".

    By using Citibank Online, you have accepted and agreed to be bound by all operational rules and general terms and conditions governing Citibank Online, including without limitation all the following paragraphs, and to pay any fees associated with the use of Citibank Online. You likewise agree to be bound by any and all laws, rules, regulations and official issuances applicable to Citibank Online, now existing or which may hereinafter be issued, as well as such other terms and conditions governing the use of other facilities, benefits, products or services which we may make available to you in connection with Citibank Online, such as but not limited to the Citi Alerts service.

  2. 2. ACCESS TO CITIBANK ONLINE.

    We have the absolute discretion to make Citibank Online available to you. We have the discretion from time to time to determine the scope of Citibank Online, set or change the daily cut-off time, modify, restrict, withdraw, cancel, suspend or discontinue any or all of the services without notice or responsibility to you and without giving any reason therefor. You understand that by using Citibank Online after any modification or change has been effected, you have agreed to any such modification or change. We will not be liable to you if you are unable to gain access to the System. You understand that while Citibank Online is available 24-hours a day, some or all of the services may not be available at certain times due to maintenance and/or computer, telecommunication, electrical or network failure or any other reasons beyond our control.

    You likewise understand that for your own protection, we will cancel your ATM/Debit PIN or Cash Advance PIN should the wrong ATM/Debit PIN, or Cash Advance PIN be used three (3) times in one day, and will likewise lock your Citibank Online Username should the wrong Password and/or OTP be entered three (3) times in one day. You may request us for a new ATM/Debit PIN at any of our branches or by making a request through Citibank Online, or for a new Cash Advance PIN by making a request through Citibank Online. You may reset your Citibank Online Username and/or Password through Citibank Online.

    You further understand that for your own protection, we will cancel your Funds Transfer OAC should the wrong OAC be used three (3) times. You may set up a new Funds Transfer OAC for your third party funds transfer payee through Citibank Online or at any of our branches.

    Depending on your device, you may be able to use biometric authentication technology including but not limited to fingerprint or facial data to log-on to the Citi Mobile® App in lieu of a username and password.

    Activating biometric authentication for the Citi Mobile® App will allow any fingerprint or facial data stored on your device, now or in the future, to be used to access your Citi Mobile® App, and consequently view your Citibank accounts and effect transactions. Therefore, you must not activate biometric authentication for the Citi Mobile® App if you have any other person's biometric data stored on your device.

    Should you, despite the warning above, activate biometric authentication in your Citi Mobile® App even though you have someone else’s fingerprint or facial data stored on your device, transactions effected using any of the biometric data stored on the device will be considered as authorized by you and you will be responsible for them.

  3. 3. SUSPENSION/CANCELLATION.

    After suspension or cancellation, Citibank Online may be reinstated at our sole discretion and we reserve the right to impose a reinstatement charge as we deem fit. We likewise reserve the right to impose a fee for Citibank Online at our absolute discretion at any time without your prior consent.

    You authorize us to act upon any instruction, which is identified by any use of your Card Number and ATM/Debit PIN or Cash Advance PIN, or your Citibank Online Username, Password and your OTP or PII, and additionally, in the case of a third party funds transfer instruction, your Funds Transfer OAC. We will be responsible for acting only on instructions sent through Citibank Online which we received and you agree that we do not assume any responsibility for malfunctions in communication facilities not under our control that may affect the timeliness or accuracy of the instructions sent.

    Such instructions include those received via secure e-mail, which when received by us, will be effected at our absolute discretion. We will be entitled to treat and consider any instruction given or agreement made with us through internet by any person using the Card Number and the ATM/Debit PIN or Cash Advance PIN, or your Citibank Online Username, Password and your OTP or PII, and AC (for Funds Transfer, including without limitation, any transfer to a third party account maintained with us or others) as valid and binding on you. We will neither be liable for action upon such instructions sent nor be obliged to investigate the authenticity or authority of persons effecting your instructions or to verify the accuracy and completeness of your instructions. Such instructions will be deemed correct, complete, irrevocable and binding on you upon our receipt. You hereby accept full responsibility for all transactions executed via Citibank Online and in particular, in ensuring the accuracy and completeness of your instructions.

    We will be entitled but not obliged to verify any instructions given through the use of your Card Number and the ATM/Debit PIN or Cash Advance PIN, or your Citibank Online Username, Password and your OTP or PII, by sending an e-mail online or via telephone or any other means.

    You agree that we may, without notice and without stating the reason therefor, cancel or refuse to execute any of your instructions at any time without incurring any liability.

  4. 4. ONE-TIME PIN (OTP).

    4.1 In this Agreement:

    1. "One Time PIN (OTP)" means each one-time personal identification number (PIN) generated via: (i) Security Device; (ii) Citi Mobile App, (ii) Citi Mobile® Token, or (iii) delivered via Short Message Service (SMS);
    2. "Security Device" means the equipment provided by us upon your request, which will be used solely to generate the OTP.
    3. "We", "Us", "Our", "Citi" and "Citibank" refer to Citibank, N.A., Philippine Branch ("Citibank"), or to Citicorp Financial Services and Insurance Brokerage Philippines, Inc. ("CFSI"), or to both as applicable
    4. "You", "Your" and "Yours" refer to any holder of a Citibank automated teller machine (ATM) card ("Citibank ATM Card" or "ATM Card") or debit card ("Debit Card"), a Citibank Visa/Mastercard ("Citibank VISA/Mastercard" or "VISA/Mastercard") and a Citibank ATM/Debit Card Number and ATM/Debit Personal Identification Number ("ATM/Debit PIN") and/or Credit Card Number and Cash Advance Personal Identification Number ("Cash Advance PIN").

      4.2 An OTP is necessary for you to be able to transact on your Citibank Online account via internet or via Citi Mobile® App. To be able to generate an OTP via a Security Device, you must request for a Security Device from us. We reserve the right to impose a fee for each request, and we reserve the right, in our sole and absolute discretion, to deny issuance of a Security Device. To be able to generate an OTP via Citi Mobile App or Citi Mobile® Token, you must register these applications on your mobile device. To be able to receive an OTP via SMS, you must provide us with your mobile phone number.

      4.3 You acknowledge and agree that your receipt of any OTP may be delayed or prevented by factor(s) affecting your mobile device service provider(s) or internet service provider(s), and other factors outside our control. We do not guarantee the delivery or prompt delivery of your OTP. You agree to hold Citibank and Citicorp Financial Services and Insurance Brokerage Philippines, Inc., its directors, officers, employees and agents free and harmless from any and all losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from:

      1. A non-delivery, delayed delivery, or the misdirected delivery of an OTP; and
      2. Your failure or inability to access Citibank Online as a result thereof.

      4.4 You will comply with all requirements, instructions and specifications relating to the Security Device, Citi Mobile App or Citi Mobile® Token (including without limitation any registration and activation procedures) as may be prescribed by us at any time and from time to time in our sole and absolute discretion. Without prejudice to the generality of the foregoing, you will at no time (i) use a Security Device, Citi Mobile App and/or Citi Mobile® Token issued or registered to another customer or to a mobile device other than your own, to generate an OTP and use the said OTP for your Citibank Online account, or (ii) permit a Security Device, Citi Mobile App or Citi Mobile® Token issued or registered to you or to your mobile device to be used, activated or registered by another person.

      4.5 You are responsible for keeping your OTP, the password to your Security Device and Citi Mobile App, and the unlock code to your Citi Mobile® Token confidential. You will not reveal your OTP, passwords, and unlock code to any other party and will take all necessary steps to prevent disclosure or discovery of your OTP, passwords, and unlock code to/by any other party. You are likewise responsible for ensuring the security of your Security Device, Citi Mobile App and Citi Mobile® Token, as well as your mobile device where these applications are registered, and for keeping these protected from unauthorized use. You will at no time and under no circumstance permit your Security Device, Citi Mobile App and Citi Mobile® Token registered on your mobile device to fall into the possession or under the control of any other person.

      4.6 You will immediately notify us by calling CitiPhone (i) if your Security Device, or your mobile device where your Citi Mobile App and/or Citi Mobile® Token is registered, is lost or stolen, or fails to function as intended, (ii) if you have any knowledge or reason for suspecting that the security or confidentiality of any OTP, password, unlock code, or your Security Device, Citi Mobile App and/or Citi Mobile® Token has been compromised, or if there has been any unauthorized use of any OTP, password, unlock code, Security Device, Citi Mobile App, and/or Citi Mobile® Token, and/or (iii) of any replacement and/or change of number of any mobile phone or device (as the case may be) used by you for the generation and/or reception of OTP. You will be solely responsible and liable for all losses and consequences arising from or in connection with any failure by you to comply with any of the foregoing.

      4.7 Where a Security Device issued to you fails to function properly, our only obligation in respect of such Security Device will be to replace the same with a new Security Device upon payment by you of a fee which will be determined by us in our sole and absolute discretion, save where we are satisfied in our sole and absolute discretion that there is no contributory act or omission on your part causing or contributing to the Security Device’s failure to function properly. Where a Security Device is lost by you, we may replace the same upon payment by you of a fee which will be determined by us in our sole and absolute discretion.

      4.8 The Security Device, Citi Mobile App or Citi Mobile® Token, and the OTP are provided on an "as is" and "as available" basis. We will have no liability in relation to any Security Device, Citi Mobile App, Citi Mobile® Token, OTP or other device, application, or delivery channel designated by the Bank for use for the generation, delivery and/or receipt of OTP, including, without limitation, liability for breach of any implied term as to satisfactory quality, merchantability or fitness for a particular purpose, including without limitation any loss or damages incurred or suffered arising from any failure by you to keep secure and/or use the Security Device, Citi Mobile App, Citi Mobile® Token, or other device or application in accordance with any instructions and other terms of the Bank. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, satisfactory quality or fitness for a particular purpose, is given in conjunction with the Security Device, Citi Mobile App, Citi Mobile® Token, OTP or other device, application, or delivery channel designated by the Bank for use for the generation, delivery and/or receipt of OTP.

      4.9 We will be entitled at our sole and absolute discretion at any time from time to time to cancel without notice the use, or require the replacement or modification of any Security Device, Citi Mobile App or Citi Mobile® Token, or other device, application, or delivery channel designated by us for use for the generation, delivery and/or reception of OTP without giving any reason therefor and we will not be liable to you for any loss or damage as a result thereof.

      4.10 The Security Device must not be altered, tampered with, disassembled or in any way copied or modified, and must not be dealt with or exploited in any way.

      4.11 You acknowledge and agree that the use of an OTP, Security Device, Citi Mobile App and Citi Mobile Token are subject to the Data Consent and Data Statement governing my Citi Account/s. Consequently, you consent for us to disclose any information relating to you or your Account to any of our subsidiaries, branches, affiliates, agents, correspondents, representative offices and service providers, which has a legitimate business purpose for obtaining such information, including without limitation offering you products or services involving the use of any Security Device, Citi Mobile App or Citi Mobile® Token, or OTP.

  5. 5. TRANSACTION DATE.

    Any transaction done via Citibank Online after the daily cut-off time in Manila, Philippines, will be treated as a transaction of the next business day or such other day as we may at our absolute discretion determine, and will be subject to our usual processing time, as may from time to time be amended. For purposes hereof, the term "business day" will mean any day in which banks are open for business in Manila, Philippines, excluding Saturdays, Sundays and legal holidays.

  6. 6. TRANSACTION RECORDED IN MONTHLY STATEMENT.

    We will issue a transaction reference number for Bill Payment and Funds Transfer transactions done through Citibank Online, although such information is not to be regarded as a bank statement or advice. We will not print or issue any transaction reference, advise or confirmation for any other bank transaction conducted via Citibank Online, although such transaction will appear in the monthly bank statements issued to you by us. You may produce a print out of such transaction from your own customer terminal.

  7. 7. TRANSFERS AND PAYMENTS.

    We will not be obliged to carry out any transfer or payment instructions unless and until your Account(s) with Citi has sufficient funds or credit to pay the relevant amount(s). Funds for all Transfers & Payments amounts will be withdrawn from your Account(s) with Citi by the next business day or on any other day we may at our absolute discretion determine. We will likewise not be obliged to carry out any third party transfer instructions unless your intended recipient has been properly activated with the use of the Funds Transfer OAC assigned by us, which you receive through your mobile phone through the mobile number on record in our system, or through activation upon your request through Citibank Online.

    You also understand that funds transfer payees will be subjected to regular screening according to applicable laws and regulations. Furthermore, we reserve the right to cancel or suspend a funds transfer to a payee if it finds that information on the payee matches the information of an individual in the Specially Designated Nationals (SDN)* list.

    *Specially designated nationals refer to organizations and individuals who are restricted from doing business with the United States or American companies, such as Citibank.

    We cannot guarantee the time at which the receiving banks or billing organizations will credit the account(s) of your payees. To avoid incurring charges, you must initiate a transfer or payment sufficiently in advance of the due date of your payment.

    We will not be responsible for any charges imposed or any other action taken by a payee in any of the following situations:

    1. You do not have sufficient funds in your Account(s) with us to make a transfer or bill payment;
    2. You failed to enroll your third party payee and/or to activate your OAC;
    3. You did not correctly use the OAC or you used the wrong OAC;
    4. An order of a court or other competent authority directs us to prohibit withdrawals from the relevant Account(s);
    5. Your Account(s) with us is/are closed or your Accounts(s) with us (or any funds therein) has/have been put on hold;
    6. You have not provided us with complete and correct payment information, including without limitation the name, address, account(s) number, the destination bank and branch code, destination city and country of payee, and payment amounts for the payee on a bill payment;
    7. You did not correctly use Citibank Online; or
    8. Circumstances beyond our reasonable control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us.
    9. We reserve the right to terminate your use of Transfers & Payments at any time without notice.

  8. 8. OBTAINING ACCOUNT SUMMARY & RECENT ACCOUNT ACTIVITY.

    You can use Citibank Online to access the balance and transaction history on all your Account(s). The Account(s) Summary balance will be shown in the Philippine Peso equivalent, and the exchange rates used for calculating the Philippine Peso equivalent for your foreign currency Account(s) are indicative only.

  9. 9. UNAUTHORIZED USE.

    You are responsible for keeping the Card Number, the ATM/Debit PIN, Cash Advance PIN, your Citibank Online Username, Password and your OTP and PII, and the Funds Transfer OAC secret and confidential. and you will not disclose the Card Number, the ATM/Debit PIN, the Cash Advance PIN, your Citibank Online Username, Password and your OTP and PII, and the Funds Transfer OAC, to any unauthorized person and will take all steps necessary to prevent discovery of the Card Number, the ATM/Debit PIN, Cash Advance PIN, your Citibank Online Username, Password and your OTP and PII, and the Funds Transfer OAC by any unauthorized person.You are likewise responsible for ensuring the security of your customer terminal, your Security Device, and/or One-Time PIN via Citi Mobile Banking App, and for keeping these protected from unauthorized use. You should take all necessary steps to prevent the generation of an OTP from the Security Device and/or One-Time PIN via Citi Mobile Banking App by any unauthorized person. You will hold Citi free and harmless against any and all liability, administrative, civil or criminal, including but not limited to, those relating to any secrecy laws or regulations (if any), should any of your account information be viewed or accessed by any persons other than you.

    You will inform us as soon as reasonably practicable if you know or suspect that someone else knows the Card Number and/or the ATM/Debit PIN, Cash Advance PIN, and/or your Citibank Online Username, Password, and/or your OTP, PII and/or the Funds Transfer OAC, or that unauthorized transactions have taken place or that the Card Number, the ATM/Debit PIN, Cash Advance PIN, your Citibank Online Username, Password and your OTP and PII, or Funds Transfer OAC has been lost or stolen; and if you fail to do so you will be liable for any unauthorized transactions made. You must promptly examine your statements upon receipt and if you discover any discrepancies, omissions, inaccuracies or incorrect entries, you must immediately call CitiPhone. You will be liable for all losses prior to your reporting any discrepancies, omissions, inaccuracies or incorrect entries or if you act fraudulently or with negligence, including failing to properly safeguard the Card Number, the ATM/Debit PIN, Cash Advance PIN, and your Citibank Online Username, Password and your OTP and PII, and/or the Funds Transfer OAC, or to immediately report any unauthorized transaction made.

  10. 10. INDEMNIFICATION.

    We will not be liable for, and you agree to indemnify and keep us indemnified, against any and all proceedings, claims, losses, damages or expenses (including legal costs) arising from or in connection with the following:

    1. Our action upon any instructions which are identified by any use of your Card Number and the ATM/Debit PIN or Cash Advance PIN, or your Citibank Online Username, Password and your OTP or PII, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
    2. The improper or unauthorized use of Citibank Online, your Card Number, ATM/Debit PIN, Cash Advance PIN, or your Citibank Online Username, Password, OTP or PII, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
    3. Any damage to the customer terminal, related facilities or software as a result of any access to Citibank Online through your Card Number, ATM/Debit PIN, Cash Advance PIN, or your Citibank Online Username, Password, OTP or PII, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
    4. Any loss or damage caused by any access through your Card Number and ATM/Debit PIN or Cash Advance PIN, or your Citibank Online Username, Password, OTP or PII, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC, when the same is prohibited, restricted, delayed or otherwise affected by (i) any law or regulation of the country from where Citibank Online is accessed and/or the terms and conditions prescribed by the relevant internet service provider or information service provider in such country of access; or (ii) any law or regulation of any jurisdiction, regional or international authority which governs any use of any component of Citibank Online, any relevant internet service provider or information service provide or system;
    5. Any loss or damage caused by any act or omission of any relevant internet service provider or information service provider or network provider occasioned by any access through your Card Number and ATM/Debit PIN, Cash Advance PIN, or your Citibank Online Username, Password, or your OTP or PII, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
    6. Any loss or damage caused by any modification, alteration, upgrade or termination of Citibank Online occasioned by any access through your Card Number and the ATM/Debit PIN or Cash Advance PIN, or your Citibank Online Username, Password, or your OTP or PII, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC;
    7. Any access (or inability or delay in accessing) and/or use of any browser which we provide to allow access to Citibank Online;
    8. Any errors or omissions in the information and materials contained in the Citi website;
    9. Any delay or failure in any transmission, dispatch or communication facilities;
    10. A non-delivery, delayed delivery, or the misdirected delivery of an OTP due to factors affecting your mobile phone service provider(s) or Internet service provider(s) and other factors outside our control, and your failure or inability to access your Citibank Online account as a result thereof.
  11. 11. LIMITATION OF LIABILITY.

    Subject to the provisions herein, if we are found liable for any act or omission for any reason whatsoever, our liability will be limited to the service fee charged to you or your actual proven damages whichever is less. We will not be liable to you for any indirect, special or consequential loss or damages arising in any way out of the use of Citibank Online.

  12. 12. SECURITY.

    We will use reasonable effort to ensure that Citibank Online is secure and cannot be accessed by unauthorized third parties. However, we do not warrant the security, secrecy or confidentiality of any information transmitted through any relevant Internet or mobile phone service provider, network system or such other equivalent system in any jurisdiction via Citibank Online or Citi Alerts. You will notify us immediately upon receipt of any data or information which is not intended for you and you will delete such data or information from the customer terminal immediately.

  13. 13. INFORMATION.

    When we provide you with any information through Citibank Online, you acknowledge and agree that we do not thereby warrant the accuracy and completeness of any such information. We likewise do not warrant the accuracy, adequacy or completeness of any information contained in the Citi website.

  14. 14. JOINT ACCOUNTS.

    In case any Account which is accessible through Citibank Online is a joint or partnership account, you will be responsible for the liabilities and obligations of the other account holder(s) or partner(s) howsoever arising on a joint and several basis.

  15. 15. SETTLEMENT.

    We will issue a transaction reference for Bill payment transactions done through Citibank Online, although such information is not to be regarded as a bank statement or advice. We will not print or issue any transaction reference, advice or confirmation for any other transaction conducted via Citibank Online although any such transaction will be recorded in the monthly statement issued by us. While a print-out of the transaction may be produced at any location, it will only show the time at such location. Notwithstanding what may be shown in any terminal or print-out, the transaction is completed instantaneously if done before the cut-off time reckoned at the location of the System, subject to the provisions of sections 6 and 8 hereof. If it is done after the cut-off time at such location, it will be completed as a transaction at next business day value, subject to the provisions of sections 6 and 8 hereof. The transaction details, account balances and other information as shown in any terminal or print-out are for reference only. Those transaction details and account balances as recorded by us will be conclusive (for example, as to the balance, the type and amount of the transaction and the time and date it occurred).

  16. 16. INTELLECTUAL PROPERTY RIGHTS.

    You acknowledge that all proprietary rights relating to or in connection with Citibank Online (including without limitation the Citi website) and all updates thereof, including without limitation trademark, trade name, service mark, patent and copyright, will at all times vest and remain vested in us. Citibank Online uses proprietary software of Citibank, other Citigroup affiliates and other software suppliers. You agree that we have granted you a non-exclusive license to use this software in connection with Citibank Online, which allows you to use such software only for its intended purposes. You will not disassemble, decompile, copy, modify or reverse engineer any such software or allow anyone else to do so.

  17. 17. INDEPENDENT INTERNET SERVICE PROVIDER/COMPUTER TERMINAL.

    You understand that any access to Citibank Online will be effected through the relevant internet service provider or network provider in the country from where such service is accessed, and to this extent such access will also be subject to and governed by the relevant laws and regulations of that country and any terms and conditions prescribed by such relevant internet service provider or network provider in separate agreements with you. You will be responsible for all telephone charges and charges by any Internet service provider incurred in connection with the use of Citibank Online. You represent to the best of your knowledge that the customer terminal and any other computer system through which access may be effected by any use of the Card Number and ATM/Debit PIN or Cash Advance PIN, or your Citibank Online Username, Password, or your OTP or PII, and additionally, in the case of third party funds transfer instruction, your Funds Transfer OAC, are free from any electronic, mechanical, data failure or corruption, computer viruses and bugs. You agree that neither we, nor any of our officers and employees or any branch, affiliate or subsidiary of Citigroup Inc., is responsible for any electronic, mechanical, data failure or corruption, computer viruses and bugs or related problems that may be attributable to the services provided by any relevant internet service provider or information service provider.

  18. 18. CHANGE OF E-MAIL ADDRESS, MOBILE PHONE NUMBER, AND/OR LAND LINE PHONE NUMBER.

    You will immediately notify Citi of any change in your e-mail address, mobile phone number or land line phone number. We will not be responsible for the consequences of your inability to receive your OTP, OAC or any other email or SMS or telephone messages from Citi as a result of your failure to timely notify us of the change in your e-mail address, mobile phone number and/or land line phone number. Neither will Citi be responsible for the consequences of the OTP, OAC or any other email or SMS or telephone messages from Citi being sent to the wrong person, as a result of your failure to timely notify us of the change in your e-mail address, mobile phone number or land line phone number.

  19. 19. ELECTRONIC MESSAGE.

    You agree that we may communicate with you through SMS, email, social media, instant messaging applications, or any other means of communication, for prompts, reminders and notices concerning your account ("Electronic Message"). Electronic Messages are sent to you for convenience, information, notification or demand purposes. We do not guarantee the timely delivery or accuracy of an Electronic Message; it may not be current at the time of delivery due to delivery lag time. You agree that each Electronic Message may be sent to you without being encrypted and may include your personal and account information. It is your responsibility to ensure the security of your mobile phone, email account, and computer/electronic devices, and to inform us of any changes to your mobile phone number and email address in a timely manner.

    You agree to hold us free and harmless against any and all liability, administrative, civil or criminal, including those that relate to any secrecy laws or regulations, if any Electronic Message is viewed or accessed by any other person, as well as against any liability resulting from your failure to update your mobile number or email address with us, rendering us unable to send Electronic Messages to you.

  20. 20. CITIBANK ONLINE ACCESS THROUGH MOBILE PHONES/MOBILE DEVICES.

    You acknowledge that your access to Citibank Online via the use of your mobile phone or mobile device includes but is not limited to the following: viewing of your Account Summary and Account Details (listing of all transactions up to the past 90 days), Bills Payment (limited to payees registered through Citibank Online), Funds Transfer to own accounts, and Funds Transfer to other local Citi accounts/ to 3rd party bank accounts in the Philippines/ to other Citi accounts abroad (limited to payees registered on Citibank Online), and inquiring on Citi’s latest products, promos, services and branch locations. You consent to the transmission of communications through the Internet and your mobile phone/mobile devices and acknowledge that the internet and mobile phone / mobile devices are not necessarily secure communications and delivery systems, and understand the risks associated with it (among others, confidentiality, security, tampering and unauthorized use). You agree to waive any bank secrecy rights under Republic Act No. 1405, as amended, Republic Act 6426, as amended, Section 55.1(b) of Republic Act No. 8791 and any and all other laws on the confidentiality of bank deposits.

  21. 21. CITI® ALERTS SERVICE.

    Citi Alerts Service enables you to request and receive specific prompts (collectively, "Alerts", individually, an "Alert") from time to time concerning available account information and other matters relating to your Citi credit cards and bank accounts ("Account(s)"). By signing up through Citibank Online, Citi Mobile® App or through CitiPhone to receive one or more of the Alerts that are offered by the Citi Alerts Service, you acknowledge that you are aware of and agree to abide by the following terms and conditions:

    The Citi Alerts Service allows you to request and receive text messages ("SMS"), electronic mail ("e-mail") messages, and/or push notifications about your Account(s). You will comply with our registration and/or activation requirements and specifications relating to Citi Alerts as may be prescribed by us at any time and from time to time in our sole and absolute discretion.

    We send Alerts to you based upon the instructions you provide to us through Citibank Online, Citi Mobile® App or through CitiPhone. These instructions include your correct email address or addresses and mobile phone number. Your instructions are neither reviewed nor verified by Citi prior to or following activation of the Citi Alerts Service. You hereby acknowledge and accept that each Alert may be sent to you without being encrypted and may include your name and information pertaining to your Account(s).

    You may receive Alerts through an SMS/Internet-enabled mobile device, an e-mail account that is accessed via a customer terminal, or both. It is your responsibility to ensure the security of your mobile device and e-mail account. Accordingly, you hereby hold Citi free and harmless against any and all liability, administrative, civil or criminal, including, but not limited to, to those relating to secrecy laws or regulations, should any Alerts which may include your name and information pertaining to your Account(s) be viewed or accessed by persons other than yourself. It is your responsibility to determine if your mobile device service provider supports text messaging, if your mobile phone is capable of receiving text messages, if your mobile device has internet connection and is capable of receiving push notification, if your Internet service provider supports email service or if your customer terminal is capable of receiving email messages. Citi Alerts Service is subject to the terms and conditions of your agreement(s) with your mobile device carrier and/or Internet service provider. You are responsible for any fees imposed by your mobile device service and Internet service provider of any kind whatsoever.

    You acknowledge and agree that your receipt of any Alert may be delayed or prevented by factor(s) affecting your mobile device service provider(s) or Internet service provider(s) and other factors outside our control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to hold us, its directors, officers, employees and agents free and harmless from any and all losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from:

    1. A non-delivery, delayed delivery, or the misdirected delivery of an Alert;
    2. Inaccurate or incomplete content in an Alert;
    3. Your reliance on or use of the information provided in an Alert for any purpose;
    4. Any third party, whether authorized or not, obtaining information on your Account(s) disclosed in the Alerts by accessing your e-mail account or mobile device.

    The SMS, email, and push notification are sent to you for convenience, information, notification and where applicable, demand purposes. An Alert does not constitute a record for the Account(s) to which it pertains. We do not assume any additional responsibility or obligation under these Terms and Conditions in respect of the use of, or any transaction or eventuality involving, your Account(s). The service does not free you from the responsibility of safeguarding the physical security and authorized use of your Account(s). You acknowledge that the service is merely an aid to monitor the use of your Account(s) but subscription to the service does not entail that we will automatically be liable for any unauthorized transactions that may be charged to your Account(s). The use of the service does not automatically entitle you to the Lost Card Protection of Citibank, N.A. Credit Cards. You acknowledge that it is still your responsibility to report a lost or stolen card immediately for you to be absolved from any financial liability in case the card is used for fraudulent purposes, from the time the loss is reported to CitiPhone in accordance with the Terms and Conditions Governing the Issuance and Use of Citibank Credit Cards.

    For lost or stolen ATM Card, Debit Card, and Citibank VISA/ Mastercard, you also acknowledge that you must immediately report the same by calling CitiPhone. We will not be liable for any loss, damage or liability you will suffer if the card is used for fraudulent purposes prior to the time its loss is reported to CitiPhone.

    We reserve the right to terminate its Citi Alerts Service or begin charging a fee for such service at any time without prior notice to you.

    By your subscription to the Citi Alerts Service, you confirm that you have read, understood and agree to the above terms and conditions, as well as to the Terms and Conditions Governing the Issuance and Use of Citibank Credit Cards, the Terms and Conditions Governing Citibank Philippine Accounts, and the Citibank Online Terms and Conditions.

  22. 22. CITI ELECTRONIC STATEMENTS AND ELECTRONIC ADVICES.

    Citi® Electronic Statement / Electronic Advice means Citi’s online viewing facility wherein we provide through the medium of the customer terminal and Citibank® Online / Citi Mobile® App or as an attachment in an e-mail the electronic form of the monthly statement/s of your Accounts (the "Statement of Account") or of the notification letters/letter-advice regarding your Accounts (the "Advice"), to allow you to view the Statement of Account and/or Advice online. The Electronic Statement and/or Electronic Advice contain information regarding any of your Accounts with Citibank® or CFSI.

    By signing up for and using the Citi Electronic Statement (also known as "e-Statement") and/or Citi Electronic Advice (also known as "e-Advice") service/facility, you have accepted and agreed to be bound by all operational rules and general terms and conditions governing Citi Electronic Statement / Electronic Advice, including without limitation all the following paragraphs and to pay any fee associated with the use of Citi Electronic Statement/Electronic Advice. By signing up for and using either Citi Electronic Statement or Citi Electronic Advice, you further agree to be enrolled in the other service/facility and in the Citi Alerts Service.

    You acknowledge and agree that your receipt of any Alert may be delayed or prevented by factor(s) affecting your mobile device service provider(s) or Internet service provider(s) and other factors outside our control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to hold us, its directors, officers, employees and agents free and harmless from any and all losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from:

    1. Enrollment. You will enroll in Citi Electronic Statement / Electronic Advice and provide your e-mail address before you are allowed to use Citi Electronic Statement / Electronic Advice. We have the absolute discretion, without giving any reason or notice, to reject any request for enrollment in Citi Electronic Statement / Electronic Advice. You may opt to have your Statement of Account or Advice delivered to you as an attachment in an e-mail using the e-mail address you have provided or to receive an email notification that the Electronic Statement or Advice is ready for viewing in Citibank Online.

      On the other hand, you agree that if you provide your email address to us upon account opening or any time thereafter while you maintain an Account/s with us, you will be enrolled in Citi Electronic Statement/Electronic Advice service, unless you cancel your enrollment. You will be fully responsible to inform Citi of any changes to your email address in a timely manner and to monitor the due performance and compliance of your obligations.

      You agree that, upon your enrollment in Citi Electronic Statement / Electronic Advice, we will no longer deliver the paper form of your monthly Statement of Account and any Advice to your mailing address. Instead, we will generate on the business day after your statement date and make available or deliver, as appropriate, within five (5) business days after your statement date, and you agree to accept and view online in a timely manner, the electronic form of your monthly Statement of Account. For Electronic Advice, we will generate the Advice on the business day after the date of fulfillment of the transaction or following the relevant date in case of non-transactional activities/items and make available or deliver, as appropriate, within five (5) business days after such date and you agree to accept and view online in a timely manner the electronic form of your Advice. Your Electronic Statement / Electronic Advice will be deemed delivered five (5) business day after statement date for Electronic Statement, or five (5) business days after the relevant date for Electronic Advice, respectively.

      Once you have enrolled an Account in Citi Electronic Statement/ Electronic Advice facility, all your Accounts will be enrolled.

      We reserve the right to impose a fee for Citi Electronic Statement / Electronic Advice at our absolute discretion at any time without your prior consent.

    2. Access to/Viewing Electronic Statement/Electronic Advice. The Electronic Statement will be available for viewing on Citibank Online no later than 5 business days after statement date and the Electronic Advice will be available for viewing on Citibank Online no later than 5 business days after the relevant date. You may view your Citi Electronic Statement / Electronic Advice through the Citibank Online at our website at www.citibank.com.ph with the use of your Citibank Online Username, Password and OTP, or in the case of Electronic Statement / Electronic Advice which is/are sent as an e-mail attachment, through your email with the use of an Electronic Statement / Electronic Advice Password. We will not be liable if you are unable to view the Citi Electronic Statement/Electronic Advice. You understand that while the Citi Electronic Statement is available within five (5) business days after your statement date and the Electronic Advice is available within five (5) business days business day after the relevant date of the Advice 24 hours a day, Citibank Online and/or your internet service may not be available at certain times due to maintenance and/or computer, telecommunication, electrical or network failure or for any other reasons beyond our control.

      You will be unable to access your Electronic Statement and/or Electronic Advice via Citibank Online should the wrong Citibank Online Username, wrong Password and/or wrong OTP be used. You will likewise be unable to access your Electronic Statement and/or Electronic Advice Statement of Account or Advice sent as an attachment in the e-mail should the wrong Electronic Statement / Electronic Advice Password be used.

    3. Responsibility. You will promptly view and examine online your Electronic Statement You will promptly view and examine online your Electronic Statement / Electronic Advice upon availability, and if you discover any discrepancies, omissions, inaccuracies or incorrect entries, you must immediately call our CitiPhone to report these. You will be liable for all losses prior to your reporting any discrepancies, omissions, inaccuracies or incorrect entries; or if you act fraudulently or with gross negligence, including for failing to properly safeguard your Citibank Online Username, Password and your OTP, and your Electronic Statement / Electronic Advice Password; or if you fail to immediately report any unauthorized transaction made. The Electronic Statements and Electronic Advice addressed to you relating to any of your Accounts will be deemed to be correct unless we receive written notice to the contrary from you within ten (10) days from the date of delivery of your Electronic Advice or Electronic Statement to your email address or from the date these are otherwise made available on Citibank Online. In the absence of manifest error, our records in relation to your Accounts will be conclusive evidence with respect to your Accounts.

      If you notify Citi of any error in any Electronic Statement or Electronic Advice relating to your Accounts, we will investigate the error and make the corrections as appropriate. Citi will notify you of actions taken to correct reported error, if any.

    4. Suspension/Cancellation. We have the absolute discretion to make the Citi Electronic Statement / Electronic Advice available to you. We have the discretion from time to time to modify, restrict, withdraw, cancel, suspend or discontinue Citi Electronic Statement/Electronic Advice without giving any reason therefor. You understand that by using the Citi Electronic Statement / Electronic Advice after any modification or change has been effected, you have agreed to such modification or change.

      You will likewise have the right to cancel your enrollment in Citi Electronic Statement / Electronic Advice, provided you give prior notice of such cancellation through electronic or paper document sent to us and we acknowledge receipt of such notice.

      Upon cancellation of your enrollment, we will generate the paper form of your Statement of Account on the next statement date and send to your mailing address the paper form of your enrolled Statement of Account. In the case of the Advice, we will generate and send to you the paper form of any succeeding Advice within a reasonable time from date thereof.

      After any suspension or cancellation of enrollment, Citi Electronic Statement / Electronic Advice may be reinstated at anytime at our sole discretion and we reserve the right to impose a reinstatement charge as we deem fit.

    5. Unauthorized Use. You are responsible for keeping your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice sent as an e-mail attachment, your Electronic Statement / Electronic Advice Password, secret and confidential. You will not disclose your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password to any unauthorized person and will take all steps necessary to prevent discovery of your Citibank Online Username, Password and OTP, and in the case of the Electronic Statement / Electronic Advice as an e-mail attachment, your Electronic Statement / Electronic Advice Password, by any unauthorized person.
    6. Change of Email Address. You will immediately notify us of any change in your e-mail address which you have registered for Citi Electronic Statement / Electronic Advice. We will not be responsible for the consequences of your inability to receive your Statement of Account or Advice from us, as a result of your failure to timely notify us of the change in your e-mail address. Neither will we be responsible for the consequences of the Statement of Account or Advice from us being sent to the wrong person, as a result of your failure to timely notify us of the change in your e-mail address.
    7. Additional Terms and Conditions Pertaining to Credit Card Accounts. We will give you, as our Cardholder, a monthly Electronic Statement of Account, except that for Cardholders with cancelled accounts with credit balances, we will give these Cardholders an Electronic Statement of Account on a periodic basis starting from the date of cancellation. If there is delay or failure in the delivery of the Electronic Statement of Account to you prior to the Payment Due Date, you agree to contact our CitiPhone. Notwithstanding anything to the contrary herein, non-receipt of the Electronic Statement of Account will not relieve you of your obligation to pay amounts due on the Card on the Payment Due Date.

      In the event of any error appearing in the Electronic Statement of Account, you agree to notify us immediately of said error in writing. If no error is reported within thirty (30) days from the date of the Electronic Statement of Account, you agree and confirm that the Electronic Statement of Account is true and correct.

      If you notify us of an error in the Electronic Statement of Account, you will not be liable to pay the disputed amount while we are investigating, but you are liable to pay such portion of the Total Amount Due which is not in dispute on or before the Payment Due Date. Citi will treat the disputed amount as an outstanding availment against the credit line. If after investigation, we acknowledge the error in the Electronic Statement of Account, you are not liable to pay any Interest Charges related to the disputed amount only. Otherwise, you are liable to pay the disputed amount, as well as the corresponding Interest Charges due.

      All written communications, requests or reports on any error in the Electronic Statement of Account from you must be sent by registered mail to the address indicated in the Electronic Statement of Account or personally delivered to Citi, and should contain the following information: (a) your name and Card account number; (b) amount of the error, if any; (c) a description of the error; and (d) your signature.

  23. 23. CONSENT FOR PROCESSING, PROFILING AND SHARING OF DATA AND INFORMATION.

    Please read these provisions (the "Consent") on Citi Processing, Profiling and Sharing of Data and Information thoroughly. Capitalized terms used herein will have the meanings set forth in Citi’s Data Privacy Statement (version 1, 3/31/2017), the terms of which are incorporated herein by reference. Citi’s Data Privacy Statement ("Data Statement") can be viewed online at www.citibank.com.ph.

    The words "You" and "Your" refer to you as a banking, brokerage, credit, debit or prepaid card or loan prospect/applicant or client or Relevant Individual of a Data Subject of Citibank, N.A. Philippine Branch (Citibank) or Citicorp Financial Services and Insurance Brokerage Philippines, Inc. (CFSI) or any other entity owned or controlled by Citigroup Inc. in the Philippines (collectively, "Citi"). The words "We", "Our" and "Us" refer to Citi.

    1. 23. 1 You agree that your application, enrollment, purchase, maintenance, access or continued use of any of Citi’s products and services will be deemed as your acceptance and agreement to be bound by the provisions of these terms.

      You hereby agree that all Personal Data (as defined under the Data Privacy Law of 2012 and its implementing rules and regulations), customer data and account or transaction information or records (collectively, the "Information") relating to you with us from time to time may be processed, profiled or shared to, by and between Citigroup Inc., and any of its affiliates and subsidiaries (collectively, "Citigroup") or each of the Authority (foreign or domestic) or Data Recipients (whether in or outside the Philippines) and for the purposes as set out in Citi’s Data Statement in force provided by us to -you from time to time or for compliance with any law, regulation, government requirement, treaty, agreement or policy or as required by or for the purpose of any court, legal process, examination, inquiry, audit or investigation of any Authority. The aforesaid terms will apply notwithstanding any applicable non-disclosure agreement. You acknowledge that such Information may be processed or profiled by or shared with jurisdictions which do not have strict data protection or data privacy laws.

    2. 23.2 You agree that the Data Statement from time to time in force will in all respects apply in relation to your application, account and any matter arising therefrom or incidental thereto. You agree that the Data Statement is deemed to be incorporated by reference into this Consent.
    3. 23.3 You understand and agree that you must provide us with such information as we may require from time to time to enable us or Citigroup or relevant Data Recipient to comply with any law or regulation, government requirement, treaty, agreement or policy or as required by or for the purpose of any court, legal process, examination, inquiry, audit or investigation of any Authority.
    4. 23.4 You acknowledge that we may use voice recognition technology to collect and analyze your voiceprint biometric data for the purpose of identity verification when you give instructions through the phone.
    5. 23.5 You consent, in connection with any proposed novation, assignment, transfer or sale of any of our rights and/or obligations with respect to or in connection with your account and any products, facilities and services available in connection with the account, to any novatee, assignee, transferee, purchaser or any other person participating or otherwise involved in such transaction, to the disclosure, to any such person, by us, of any and all Information which may be required in relation thereto.
    6. 23.6 You understand and consent that the processing, profiling and sharing apply during the prospecting and application stages, as well as for the duration of and even after the rejection, termination, closure or cancellation of the account or relationship or Services (collectively "Termination") for a period of at least ten (10) years from the Termination of your last existing account or relationship or that of the Relevant Individual as determined by us. Where we deem it necessary or are required to fulfill foreign and domestic legal, regulatory, governmental, tax, law enforcement and compliance requirements and disclosure to each of the Authority or Industry Organization, you understand and consent that the storage will be made even after a period of ten (10) years from such Termination until the final conclusion of any requirement or disclosure obligation, dispute or action.
    7. 23.7 For any update, change, supplement, reconfirmation or remediation of the Data Statement and/or these consents, you hereby specifically authorize the following to accept the Data Statement and to provide the consents anew to us on your behalf in any acceptable form or evidence as determined by us:

      1. any one of the accountholders in a joint account or relationship;
      2. principal cardholder in a card account or relationship;
      3. any one of the security party or guarantor in a borrowing account or relationship;
      4. company representative in an institutional or corporate client, a merchant party, a commercial card or prepaid card account or relationship; or
      5. where any one of the above is not present as determined by us, any person as has been authorized by you to act on your behalf.
    8. 23.8 These provisions will be in addition to, and not in substitution for, any other provision agreed to between Citi and us (whether before or after the date hereof) which gives broader rights of disclosure to Citi than contained herein.

      Additional provisions for corporations, partnerships or other juridical entities:

      You represent that you have been authorized by any Related Party, Customer Affiliate, Data Subject or other person regarding whom you have provided information to Citi to signify the latter’s consent to the provisions herein, and that you have provided to and secured from any Related Party, Customer Affiliate, Data Subject or other person regarding whom you have provided information to Citi any notices, consents and waivers necessary to permit Citi, its affiliates, representatives, and its and their third party service providers and Payment Infrastructure Providers (which refers to a third party that forms part of the global payment system infrastructure, including without limitation communications, clearing or payment systems, intermediary banks and correspondent banks) to carry out the actions described in this provision, and that you will provide such notices and secure such necessary consents and waivers in advance of providing similar information to Citi in the future.

      For purposes of these Terms and Conditions, "Control" means an entity that possesses directly or indirectly the power to direct or cause the direction of the management and policies of the other entity, whether through the ownership of shares or the possession of voting power, by contract or through other means or any legal or natural person ultimately has a controlling ownership interest in a legal person or exercises control through any arrangement. "Customer Affiliate" means any entity, present or future, that directly or indirectly Controls or is Controlled by or is under common Control with you, and any branch thereof. "Data Subject" means an individual whose Information is processed, and may also include a juridical entity, where applicable. Data Subjects may be you, your personnel, customers, suppliers, payment remitters or payment beneficiaries, or other persons. "Related Party" means any natural person or entity, or any branch thereof, that (i) owns, directly or indirectly, our stock (if the customer is a corporation), (ii) owns, directly or indirectly, profits, interests or capital interests in you (if the customer is a partnership), (iii) is treated as your owner (if the customer is a "grantor trust" under sections 671 through 679 of the United States Internal Revenue Code or an equivalent under a similar law of any jurisdiction, domestic or foreign), (iv) holds, directly or indirectly, beneficial interests in you (if the customer is a trust), (v) is a natural person who exercises control over you, such as a settlor, protector or beneficiary of a trust, or a person or entity which otherwise has a controlling ownership in or otherwise exercises control over you through any arrangement or other means (if the customer is an entity), (vi) is designated as your signatory or representative (if the customer is an entity).

  24. 24. AGREEMENT.

    This agreement will form part of the General Terms and Conditions Governing Citibank Philippines Accounts, the Terms and Conditions Governing the Issuance and Use of Citibank, N.A., Philippine Branch Credit Cards, the Brokerage Appointment with Citicorp Financial Services and Insurance Brokerage Philippines, Inc. (CFSI) and such other rules and regulations governing your Accounts with Citibank, N.A., Philippine Branch (Citibank) and CFSI, and will be applicable to any future Accounts which you may hereafter open with Citibank and CFSI.

    Version Date: January 2018

    All Rights Reserved Citibank, N.A., Citicorp Financial Services and Insurance Brokerage Philippines, Inc. 2017.