OVERALL KEYWORDS

The following words and phrases have the meaning set out below unless the context indicates otherwise:

• Bank means and includes any partner Bank which NuCash has partnered with, towards offering any Services.
• NBFC means and includes any partner NBFC which NuCash has partnered with, towards offering any Services
• Branch means the branch of any partner Bank/NBFC which is linked to the Savings/Loan Account.
• Business Days means days in which banks are open for business Pan-India.
• Debit Card means a virtual debit card or a physical RuPay/Visa International Debit Card issued on opening the Savings account or Pro Salary account and includes any replacement or renewed card issued by us to you at your request or otherwise.
• RBI means the Reserve Bank of India.
• SEBI means the Security and Exchange Board of India.
• Service(s) or Platform means and includes the following features in the mobile application and/or website as provided by NuCash, collectively referred to as the “Services”.
  - Online Savings Account
  - Co-branded Debit Cards
  - United Payments Interface (UPI)
  - Quick Response Codes (QR codes)
  - Online Money Transfer
  - Financial Aggregation (Networth)
  - Credit Bureau and Scores
  - Ecommerce transactions
  - Any other product/service offered by NuCash, as and when launched.
• Third party Provider/Third Party means and includes a bank, association, company, partnership or any such entity whose facilities are used by Us to provide the Services to Users throughout the Platform.
• Personal Information refers to the personal information provided by you to NuCash.
• Transaction or Payment Transaction means (a) a payment request sent by you for sending or receiving payments; or (b) payment instruction sent by you for a debit in his or her account; (c) fixed deposit, (d) recurring deposit, (e) buying mutual funds, (f) checking account balance, etc.
• Payment Systems Provider means the banks and other financial institutions (as defined in the Payments and Settlement Systems Act, 2007) with whom the Company has agreed to facilitate Payment Transactions.
• NuCash is the brand name of NuCash Financial Services Private Limited under which all the Services mentioned in this document are provided.
• NuCash App means a mobile application provided to you by NuCash Financial Services Private Limited to access the services provided by NuCash.
• User means any person (“You”) who signs up on the Company’s app using the Platform, mobile application and/or website. Also applies to those who transact or avail our Services through the Platform.
• UPI means the Unified Payments Interface operated by the National Payments Corporation of India.
• Know Your Customer (“KYC”)means the various laws and regulations issued by the RBI from time-to-time. To fulfil such KYC requirements, NuCash procures personal identification details from You before any Services can be delivered.
• “Suspected Activity” shall mean any act of commission or omission committed by you:
  - That raises the suspicion that such act intends to commit fraud, forgery, cheating, criminal breach of trust or any other offence against NuCash or any other person;
  - That raises suspicion that such act intends to violate any applicable law; and
  - That raises suspicion that it intends to adversely affect the interests of NuCash.

General

The general terms and conditions include the common terms and conditions applicable to the use and access of NuCash App. These terms and conditions have been divided into the following:

• All the abiding rules and regulations
• Disclosures
• Indemnity (warranties, arbitration and liabilities)
• Consents
• Data Privacy and Rights
• Third party affiliations and communications from NuCash
• Miscellaneous and governing laws

All the abiding rules and regulations

• I agree to abide by NuCash’s Terms and Conditions and rules in force and the changes thereto in Terms and Conditions from time to time relating to my account as communicated and made available on NuCash's website/NuCash App.
• I agree that the opening and maintenance of the account is subject to rules and regulations introduced or amended from time to time by NuCash and/or Partner Bank.
• I agree that NuCash and/or Partner Bank before opening any deposit account, will carry out a due diligence as required under Know Your Customer guidelines of partner Bank. I would be required to submit necessary documents or proofs, such as identity , address, photograph and any such information to meet with KYC, AML or other statutory/regulatory requirements. Further, after the account is opened, in compliance with the extant regulatory guidelines, I agree to submit the above documents again at periodic intervals, as may be required by the Partner Bank.
• I agree that the Partner Bank may, at its discretion, engage the services of Business Facilitators (hereinafter referred to as "BF") and Business Correspondents (hereinafter referred to as "BC") for extension of banking and financial services so as to ensure greater financial inclusion and increasing the outreach of Partner Bank. Partner Bank, however, shall be responsible for the acts and omission of such BC and BF.
• I agree that, under normal circumstances, the NuCash and/or Partner Bank has the liberty to close my account at any time by giving me at least 30 days notice.
• I agree that NuCash and/or Partner Bank can at its sole discretion, amend any of the services/facilities given in my account either wholly or partially at any time and/or provide an option to me to switch to other services/facilities.
• I agree that any change in my account status or change of address will be immediately informed to NuCash and/or Partner Bank failing which I shall be responsible for any non-receipt of communication/deliverables or the same being delivered at my old address.
• I agree that all instructions relating to my account will be issued to NuCAsh and/or Partner Bank as per acceptable mode of communication to NuCash and/or Partner Bank.
• I agree to preserve my cheque book/ATM/Debit Card Card carefully. I agree to keep my Debit Card information like card number, expiry date, PIN,CVV, One Time Password (OTP) confidential. In case of loss/theft of the same I shall immediately inform NuCash and/or Partner Bank over the mobile app. I agree that I need to Block the NuCash Debit card from the NuCash App and/or Help Center in such a case.
• I agree that I will maintain the minimum balance in my account as prescribed by NuCash and/or Partner Bank from time to time. However, if the Average Monthly/ Quarterly Balance is not maintained, NuCash and/or Partner Bank reserves the right to close my account without giving any prior notice.
• I agree that I shall be liable to pay all charges, fees, interest, costs wherever applicable, which NuCash and/or Partner Bank may levy with respect to my account or any transaction or services rendered and the same may be recovered by NuCash and/or Partner Bank by a debit to my account. I agree and acknowledge that in case of non-availability of adequate funds the charges will be debited to the account over a period of time till the entire amount is recovered.
• Partner Bank reserves the right to refuse Cheque Books, Ad Hoc Statements, PhoneBanking TINs, Internet Banking IPINs, Debit/ATM Cards & PINs to the customer, in case the Average Monthly/ Quarterly Balance in the account is not maintained.
• I agree that I shall not pay any amount in cash to any Sales Representative of NuCash and/or Partner Bank at the time of opening an account or carrying out any transaction in the normal course of the business. I agree to deposit cash only at the Partner Bank teller counters at the branch premises / Cash deposit machine.
• I agree to execute necessary writings in the form and manner as may be required by Partner Bank in order to execute my Fax instructions to Partner Bank.
• I agree that NuCash and/or Partner Bank will send me in app notification/ communications/ letters etc. through NuCash App /courier /messenger / mail/ call/ Whatsapp or through any other mode at its discretion and the NuCash and/or Partner Bank shall not be liable for any delay arising there from.
• I agree that NuCash and/or Partner Bank will, unless requested by me to issue a cheque book on the opening of my account, not issue a cheque book. Further issue of cheque books will be only requested by me through the NuCash App or through ATM, Phone Banking or Internet Banking or through Partner bank Branches.
• I agree and undertake to ensure that there would be sufficient funds/cleared balance/pre-arranged credit facilities in my account for effecting transactions. I agree that NuCash and/or Partner Bank shall not be liable for any consequences arising out of non-compliance by NuCash and/or Partner Bank of my instructions due to inadequacy of funds and NuCash and/or Partner Bank can at its sole discretion decide to carry out the instructions notwithstanding the inadequacy of funds without prior approval from or notice to me and I shall be liable to repay with interest the resulting advance, overdraft or credit thereby created and all related charges arising thereby at prime lending rate applicable from time to time. I agree that frequent dishonor of cheques or high value cheque returns due to insufficient funds may lead to discontinuation of cheque books / closure of bank account.
• I agree that in the event of an account being overdrawn, Partner Bank reserves the right to set off this amount against any credit lying in any of my accounts.
• I agree that the transactions conducted by me at the BC counters shall be reflected in Partner Bank’s books latest by the next working day.
• I agree that NuCash and/or Partner Bank shall not be liable for any damages, losses (direct or indirect) whatsoever, due to disruption or non availability of any of services/facilities due to technical fault/error or any failure in telecommunication network or any error in any software or hardware systems beyond the control of NuCash and/or Partner Bank.
• I agree that NuCash and/or Partner Bank may disclose, in strict confidence, to other institutions, such Personal Information as may be reasonably necessary for reasons inclusive of:
  - For participation in any telecommunication or electronic clearing network
  - In compliance with a legal directive
  - For credit rating by recognized credit rating agencies
  - For fraud prevention purposes
  - To credit information bureaus.
• I give consent to NuCash and/or Partner Bank to disclose information provided in the account opening form for the purpose of cross selling and any other marketing agent/s and/or contractors with whom NuCash and/or Partner Bank enters, or has entered into any arrangement, in connection with providing of services/products, including without limitation, cross selling of various financial products. NuCash and/or Partner Bank will have to always check before any cross-sell attempt whether or not I have registered for the ‘Do Not Disturb’ facility.

Disclosures

1. Disclosure of Information to CIBIL/ Credit Bureaus:

I understand that as a pre-condition, relating to grant of the loans/ advances/ other fund-based and non-fund-based credit facilities to me, NuCash and/or Partner Bank, requires my consent for the disclosure by NuCash and/or Partner Bank of information and data relating to me, of the credit facility availed of/to be availed, by me, obligations assumed/ to be assumed, by me, in relation thereto and default, if any, committed by me, in discharge thereof. Accordingly, I hereby agree and give consent for the disclosure by NuCash and/or Partner Bank of all or any such,

• information and data relating to me
• the information or data relating to any credit facility availed of/ to be availed, by me, and
• default, if any, committed by me in discharge of my such obligation, as NuCash and/or Partner Bank may deem appropriate and necessary, to disclose and furnish to Credit Information Bureau (India) Ltd. and any other agency authorised in this behalf by RBI.I, declare that the information and data furnished by me to NuCash and/or Partner Bank are true and correct.

I, undertake that:

• The Credit Information Bureau (India) Ltd. and any other agency so authorised may use, process the said information and data disclosed by NuCash and/or Partner Bank in the manner as deemed fit by them; and
• The Credit Information Bureau (India) Ltd. and any other agency so authorised may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/ financial institutions and other credit grantors or registered users, as may be specified by the Reserve Bank of India on this behalf.

2. Force Majeure:

NuCash shall not be liable if any transaction does not fructify or may not be      completed or for any failure on the part of NuCash to perform any of its obligations  under these Terms and Conditions or those applicable specifically to its  services/facilities if performance is prevented, hindered or delayed by a Force  Majeure event (defined below) and in such case its obligations shall be suspended  for so long as the Force Majeure event continues.

"Force Majeure Event" means any event due to any cause beyond the reasonable control of NuCash, including without limitations, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data and storage devices, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, faults or failures in telecommunication etc.

Indemnity

I agree that I shall indemnify and hold NuCash harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which NuCash may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of providing any of the services or due to any negligence/mistake/misconduct on my part or breach or non-compliance by me of any of the Terms and Conditions relating to any of the services or by reason of NuCash in good faith taking or refusing to take action on any instruction given by me.

Consents

1. Voluntary Consent for Aadhaar:

"I hereby submit voluntarily at my own discretion, my Aadhaar number as issued by Govt. of India, to Partner Bank and voluntarily give my consent to open account with Partner bank in my individual capacity using my Aadhaar number and / or as an authorized signatory in non-individual accounts and; to use my Aadhaar details for authentication with UIDAI. NuCash/ Partner Bank has informed me that my information submitted to Partner Bank / BC herewith shall not be used for any purpose other than mentioned above, or as per requirements of law."

2. Voluntary Consent for Aadhaar Authentication:

I hereby submit voluntarily at my own discretion my Aadhaar number issued by UIDAI, to Partner Bank and voluntarily give my consent to use my Aadhaar number for e-KYC authentication with UIDAI as per Aadhaar Act, 2016; for the purpose of Account opening and Aadhaar linking and/or specified instructions on my Bank account in my individual capacity and / or as an authorized signatory in non-individual accounts. I understand that NuCash will not store Aadhaar details at their end.

I, holder of the Aadhaar number, hereby voluntarily give my consent to Partner Bank to obtain and use my Aadhaar number, Name and Fingerprint/Iris and my Aadhaar details for authentication with UIDAI as per Aadhaar Act, 2016 and all other applicable laws.

Partner Bank has informed me that basis the voluntary consent given by me while submitting my Aadhaar number to Partner Bank, my Aadhaar details and identity information would only be used for e-KYC purpose, demographic authentication, validation, OTP authentication including; for availing banking services, operation of my accounts / relationships and for delivery of subsidies, benefits and services and / or any other facility relating to banking operations.

Partner Bank has informed me that my biometrics will not be stored / shared and; will be submitted to Central Identities Data Repository (CIDR) only for the purpose of authentication. Partner Bank has informed me that this consent given by me voluntarily and my Aadhaar number will be stored along with my account details within Partner Bank only. I have been explained about the nature of information that may be shared upon authentication.

I also authorize Partner Bank to link and authenticate my Aadhaar number to all my accounts / relationships with Partner Bank as may be opened in future.

I have been given to understand that my information submitted to Partner Bank herewith shall not be used for any purpose other than mentioned above, or as per requirements of law. I hereby declare that all the information voluntarily furnished by me is true, correct and complete. I will not hold NuCash/ Partner Bank or any of its officials responsible in case of any incorrect information provided by me.

Data Privacy and Rights

• Right of Lien/Set off: I hereby grant and confirm the existence of the right of lien and set-off with Partner Bank, which Partner Bank may at any time without prejudice to any of its specific rights under any other agreements with me, at its sole discretion and without notice to me utilize to appropriate any moneys belonging to me and lying/deposited with Partner Bank or due by Partner Bank to me, towards any of Partner Bank’s dues and outstanding's under or in respect of a loan facility, including any charges/fees/dues payable under these Terms and Conditions.
• Should I have any complaint relating to the features of any of the products/services of Partner Bank that I hold/avail of, I am aware that I can approach the Grievance Redressal Cell within Partner Bank for a resolution and if I do not get a satisfactory response within 30 days of lodging the complaint, then, under the Bank Banking Ombudsman Scheme 2006,I can approach the Ombudsman appointed by the Reserve Bank of India, in charge of the region where I hold my account, details of which are available at www.bankingombudsman.rbi.org.in
• In case there are no transactions initiated by me / us in the account for a continuous period of one years for Savings Account (excludes system generated transactions like credit interest, debit interest), I / We agree that the account would be treated as a 'Dormant' Account by Partner Bank. I/We agree that the account status would change to 'Active' only on my/our ( all joint holders) written instructions in this regard and by initiating a transaction by me / us at the home branch. I/We understand that until the account status is 'Dormant', transactions through Direct Banking Channels like ATM, Net Banking, Phone-banking may not be allowed by Partner Bank.

I/We agree that, in case I/we have issued single cheque/instruction, for debit to my/our account, for issuing more than one Demand Draft/Pay-order, then the same will reflect as multiple debit entries in my/our account

5. Bank shall be entitled at its discretion to engage/avail of, at the risk and cost of the customer, services of any person/third party service provider/agent/agency, for anything required to be done for/in relation to/pursuant to any of the products/services offered, including collections, recovery of dues, enforcement of security, getting or verifying any information of the customer/assets, and any necessary or incidental lawful acts/deeds/matters and things connected thereto, as  NuCash and/or Partner Bank may deem fit.

6. Bank shall have the right to not return the application, photographs, information and documents submitted by the customer. Bank shall, without notice to or without any consent of the customer, be absolutely entitled and have full right, power and authority to make disclosure of any information relating to customer including personal information, details in relation to documents, products/services offered, defaults, security, obligations of customer, to the Credit Information Bureau of India (CIBIL) and/or any other governmental/regulatory/statutory or private agency/entity, credit bureau, RBI, Partner Banks other branches/subsidiaries/affiliates/rating agencies, service providers, other banks/financial institutions, any third parties, any assignees/potential assignees of transferees, who may need the information and may process the information, publish in such manner and through such medium as may be deemed necessary by the publisher/Bank/RBI, including publishing the name as part of willful defaulters list from time to time, as also use for KYC information verification, credit risk analysis, or for other related purposes. In this connection, the customer waives the privilege of privacy and privacy of contract. Bank shall have the right, without notice to or without any consent of the customer, to approach, make enquiries, obtain information, from any person including other banks/finance entities/credit bureaus, customers employer/family members, any other person related to the customer, to obtain any information for assessing track record, credit risk, or for establishing contact with the customer or for the purpose of recovery of dues from the customer.

7. In case any personal information or sensitive information is collected by NuCash, the same shall be dealt with in accordance with the privacy policy of NuCash which is available on the website of NuCash at www.nucash.money.

8. NuCash/ Partner Bank reserves the right to record telephonic conversations with customers for quality control purposes.

9. Notwithstanding the documentation and account opening form provided, Partner Bank reserves the right to accept / reject your application. Partner Bank's decision in this regard would be final.

10. Any loans/facilities, other financial products, available can be accessed via NuCashApp (platforms through which the customer/borrower can access/monitor the account by use of the customer/ log-in id and password) and NuCash may use such platform for providing the customers/borrowers the facility to complete online application as well as enter into/make the loan documents online. Every usage and operation of the NuCash App or any such other platform using such customer id and password, including in cases of online loan processes from time to time, should be deemed to be usage and operation personally by the customer/borrower himself and in physically and mentally stable state notwithstanding any loss, theft, hacking etc. of the NuPIN; and that NuCash/ Partner Bank shall not be required to check the identity of the person operating the NuCash app using Login id and NuPIN at any point of time or his mental or physical stability.

Miscellaneous and governing laws

1. Miscellaneous:

Failure to enforce any rights conferred by these Terms and Conditions or any law shall not be deemed to be a waiver of any such rights or operate so as to the exercise or enforcement thereof at any subsequent time.

2. Governing Law:

All claims, matters and disputes are subject to the exclusive jurisdiction of the competent courts in Mumbai only. These Terms and Conditions and/or the operations in the accounts of the customer maintained by Partner Bank and/or the use of the services provided by Partner Bank shall be governed by the laws of the Republic of India and no other nation. The customer and NuCash agree to submit to the exclusive Jurisdiction of the Courts located in Mumbai, India as regards any claims or matters arising under these Terms and Conditions. NuCash accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than the Republic of India.

Third party affiliations and communications from NuCash

Accepting these T&C, implies your express consent to be contacted by us, representatives, affiliates, collection agents or anyone calling on our behalf at any contact number, or physical or electronic address provided by you while registering your account with NuCash. You further agree to us contacting you in any manner, including without limitation, emails, SMS messages, WhatsApp, calls using pre recorded messages or artificial voice, and notifications sent via our mobile application.

Savings Account

Undertaking

• Amongst other things, by agreeing to NuCash & the Bank’s T&Cs, you're signing up for a background check. It means anyone who registers will adhere to RBI regulations. Also, we want to make sure no NuCash account holder engages in illegal acts like Money Laundering, etc.
• You agree to these T&Cs as well as the Bank's T&Cs (provided below) before opening an account through Our Platform. Furthermore, any account opening (or maintenance) is subject to the rules & regulations introduced (or amended) from time-to-time by the RBI or any other regulatory body, including but not limited to e-KYC authentication, background check and risk related due diligence on the User.
• You agree that an account opened through Our Platform, using Aadhar OTP e-KYC authentication, cannot have deposits that exceed INR 1,00,000 (Indian Rupees One Lakh). And that, this cannot change – until the full KYC (C-KYC, Video KYC or Biometric Authentication, in-person branch visit) registration is complete as per Bank and the RBI regulations.
• You confirm that the contents of this T&Cs (and Your relationship with NuCash) would be governed as per the provisions of the Indian Contract Act 1872.

Data Privacy and Rights

To ultimately use Our Services, You would also be required to provide other information, including Your salary details, PAN card number, credit score, and permission to access other financial data. All the information provided by You will remain protected and used as per Our Privacy Policy and as per the existing legal regulations. The data provided by You is not merely to offer current Services but also for providing other facilities – which We will introduce from time-to-time.

Savings Account with Suryoday Small Finance Bank

The terms and conditions and privacy policy applicable to opening a savings account with Suryoday Small Finance Bank using NuCash  App can be found here:

• Terms and Conditions - https://www.suryodaybank.com/assets/pdf/Terms_and_Conditions.pdf
• Privacy Policy - https://www.suryodaybank.com/assets/pdf/PRIVACY_POLICY.pdf

Debit Cards:

Undertaking and Keywords

By using the Debit Card you are unconditionally accepting the terms and conditions listed here under and will be bound by them and you accept the ones of ensuring compliance with the relevant Reserve Bank of India (RBI) Regulations, Exchange Control Regulation of the RBI, Foreign Exchange Management Act 1999 ("The Act"), all the rules and regulations framed under the Act and as amended/modified/applicable from time to time and any other corresponding enactment in force from time to time. You will also continue to remain bound by the terms and conditions of operation of your Savings Bank Account with Suryoday Small Finance Bank and NuCash.

Definitions

1. “The Bank", "Suryoday Bank", means Suryoday Small Finance Bank and its successors and assignees.

2. "Card" or "Debit Card", refers to the Co branded Suryoday Bank and NuCash Rupay Debit Card issued by Suryoday Bank to a Cardholder.

3. "Cardholder", "you", "your", "him" or similar pronouns shall where the context so admit, refer to a customer of Suryoday Bank to whom a Suryoday Bank Debit Card has been issued by Suryoday Bank to operate on a nominated account(s). All references to the Cardholder in the masculine gender will also include the feminine gender.

4. "Account(s)", refers to the Cardholder's Savings Accounts that has been designated by the Suryoday Bank to the eligible account(s) for the valid operation of the Debit Card. The Cardholder should be either the account holder or sole signatory or authorized to act alone when there is more than one account holder/signatory.

5. "Primary Account", shall mean in case of multiple accounts linked to the Card, the account that has been designated as being the main/first account of operation i.e. the account from which purchase transactions, cash withdrawals charges and fees related to the Card are debited.

6. "Nominated Accounts", includes the Primary Account as described above, and it indicates the Cardholder's account(s) nominated in writing by him to be accessed by his Debit Card and PIN.

7. "ATM", refers to Automated Teller Machine whether in India or overseas, whether of Suryoday Bank, or of any other bank on a shared network, at which amongst other things, the Cardholder can use his Debit Card to access his funds in his account(s) held with Suryoday Bank.

8. "PIN", means the Personal Identification Number (required to access ATMs) allocated to the Cardholder by NuCash, chosen by him from time to time.

9. "Transaction", means by instruction given by a Cardholder by using his Card directly or indirectly, to the Suryoday Bank to effect action on the account. (Examples of transactions can be retail purchases, cash withdrawals, cash/cheque deposits, etc.).

10. "International Transactions", refers to the transactions performed by the Cardholder through his internationally valid Debit Card, outside India, Nepal and Bhutan.

11. "Statement", means a periodic statement of account sent by Suryoday Bank to a Cardholder setting out the transactions carried out by the Cardholder(s) during the given period and the balance on that account. It may also include any information that the Suryoday Bank may deem fit to include.

12. "Merchant" or "Merchant Establishments", shall mean establishments wherever located which accept/honour the Card and shall include amongst others: stores, shops, restaurants, airline organizations etc. advertised by Suryoday Bank or Rupay.

13. "EDC" or "Electronic Data Capture", refers to electronic Point-of-Sale swipe terminals whether in India or overseas, whether of Suryoday Bank or any other bank on the shared network, that permit the debiting of the account(s) for purchase transactions from merchant establishments.

14. "MasterCard/Visa/Rupay ATM Network", means ATMs that honour the Debit Card and that display the MasterCard/Visa/Rupay symbols.

Product Usage guidelines - ATM Usage

1. The Card is accepted at the Suryoday Bank ATMs and MasterCard/ Visa/Rupay enabled ATMs worldwide.

2. Cash withdrawals and balance inquiries performed by the Cardholder at MasterCard/Visa/Rupay enabled ATMs in countries other than India will be subject to a fee, as per prevailing tariff of charges. Cash withdrawals and balance inquiry at MasterCard/Visa/Rupay ATMs (non-Suryoday Bank) in India may also be subject to a fee (as decided by Suryoday Bank from time to time) and will be debited to the account at the time/later of such cash withdrawal and balance inquiry transactions. All transactions at non-Suryoday Bank ATMs are subjected to charges as determined by the Suryoday Bank from time to time. The charge schedule is updated on the Suryoday Bank website.

3. For all cash withdrawals, cheque/cash deposits at an Suryoday Bank ATM, any statement/receipt issued by the ATM at the time of deposit or withdrawal shall be deemed conclusive, unless verified and intimated otherwise by Suryoday Bank. Any such verification shall likewise be final and conclusive and this verified amount will be binding on the Cardholder.

4. Suryoday Bank will not be liable for any failure to provide any service or to perform any obligation thereunder where such failure is attributable (whether directly or indirectly) to any malfunction of the ATM or the Card, temporary insufficiency of funds, any dispute or other circumstance beyond its control.

5. Suryoday Bank will not be liable for any consequential or indirect loss or damage arising from or related to the loss/use of the Card and related PIN, how so ever caused.

6. The availability of ATM services in a country other than that in which the Card was issued is governed by the local regulations in force in the said country. Suryoday Bank shall not be liable if these services are withdrawn without notice thereof.

Disclosures and Rights

• When requested by NuCash or Suryoday Bank, you shall provide any information, records or certificates relating to any matter that NuCash or Suryoday Bank deems necessary. You will also authorize NuCash or Suryoday Bank to verify the veracity of the information furnished by whatever means or from whichever source deemed necessary. If the data is not provided or if the same is found incorrect, NuCash or Suryoday Bank may, at its discretion, refuse renewal of the Card or cancel the Card forthwith.
• NuCash or Suryoday Bank reserves the right to disclose customer information in any court of competent jurisdiction, quasi-judicial authorities, law enforcement agencies and any other wing of Central Government or State Government.
• NuCash or Suryoday Bank reserves the right to disclose, in strict confidence, to other institution, such information concerning the Cardholder's account as may be necessary or appropriate in connection with its participation in any Electronic Fund Transfer network.
• NuCash or Suryoday Bank reserves the right to report to the RBI expenditure undertaken by its Cardholder in foreign currencies to ensure that the Basic Travel Quota/other permissible entitlements are not exceeded by the Cardholder(s) and that the Foreign Exchange Management Act, 1999 is not contravened.
• The Bank reserves the right to place appropriate restrictions on the operation of the account in the event the Bank finds that the account has been opened or is being used inappropriately. Failure to provide information/ documents on identity, address, profile, or transaction, when called upon to do so, could also cause restrictions in the account operations. The account restrictions will be notified in a manner deemed fit by the Bank wherever possible.
• NuCash or Suryoday Bank reserves the right to forthwith suspend or deactivate your bank account with or without notice to you, if in the opinion of NuCash or the Partner Bank, there is any Suspected Activity in the account or for any reason whatsoever. Further, NuCash reserves the right to take any other action including reporting such Suspected Activity to governmental organizations and without any notice, initiate any legal action against you including criminal proceedings as per applicable laws including.

Rewards

Rewards on Qualified Purchases:

Rewards will only be credited for Qualified Purchases for Rewards (or Qualified Purchases). NuCash will have the sole and final discretion in identifying a purchase as a Qualified Purchase for Rewards.

These transactions do not qualify, and will therefore not be eligible for Rewards:

• Credit Card, loan, or BNPL repayments,
• online gaming, betting, gambling, or lottery transactions,
• money transferred to financial or political institutions,
• payments made at courts or for legal matters,
• money transferred to digital wallets, and
• transactions made at Restricted merchants (which don’t strictly qualify as “purchases of genuine goods and services”)
• all international transactions
• Peer to Peer transfer (money sent to your friends)