TERMS & CONDITIONS FOR UDIO SERVICES

  • Udio Wallet & Services
  • Udio RBL Bank Visa Card
    Important: Before you use your Card, please read these TERMS & CONDITIONS carefully. By applying and activating the Card, you are accepting the Terms and Conditions set out below and will be bound by them. Unless the context requires otherwise the terms defined shall have the same meaning attributed to them herein:

    Definitions

    • RBLBank” or “Bank” shall mean and include RBL Bank Limited (Formerly, a scheduled commercial bank and having its registered office at Shahupuri, Kolhapur- 416 001 and its authorized service provider/s or agent/s engaged for this program.
    • TranServ” shall mean TranServ Private Limited, the service provider engaged by RBL Bank as a program manager of prepaid cards, offering prepaid card management and payments processing system, operations support and customer service. TranServ issues semi-closed prepaid wallets in the name and brand “Udio”
    •  “Udio RBL Bank Visa Card” or “Udio Card” or “Card” shall mean a prepaid Visa card issued by RBL Bank to customers of Udio Wallet.
    • “Udio Wallet” is a semi-closed prepaid payment instrument available as a mobile application and on the web. Udio wallet includes functionalities such as add funds, send money, split bills, store CC/DC, make bill payments, sent gift vouchers, recharges, merchant payments and it also gives customer the option to subscribe for a partner bank prepaid card issued in partnership with RBL Bank and card networks such as Visa. Udio wallet can be used for conducting transactions only in Indian currency
    •  “Cardholder” shall mean an Udio Wallet holder, to whom a Udio RBL Bank Visa Card is issued.
    • Udio Wallet holder” means a customer who has registered for Udio wallet and avails of the Udio services

    Co-branding Agreement

    RBL Bank is the issuer of the Udio RBL Bank Visa Card and Udio is the co-branding partner. Udio is the brand name of TranServ Private Limited. The card is issued and operated as per the RBI guidelines for issuance of semi closed prepaid instrument.

    The Cardholder shall be bound to comply with the terms and conditions and all the policies stipulated by RBL Bank from time to time in relation to the Udio RBL Bank Visa Card. RBL Bank may, at its sole discretion, refuse to accept the application or to issue Udio RBL Bank Visa Prepaid to the Cardholder.

    All rights and ownership with respect to issuance of the prepaid instrument shall vest with RBL Bank and in respect of operations, provision of Udio Mobile app and associated services vest with TranServ.

    Eligibility

    This service is available only to resident Indians who have attained the age of 18 years and are competent to contract.
    To avail this service customer should hold valid and active Udio wallet account.

    Card Features:

    • The Card is valid for use only in India in Indian Rupees only.
    • Cash withdrawal facility is not available for the Cardholders.
    • No interest shall be payable on the amount available/loaded on the Card.
    • KYC limits of the wallet shall also be applicable for the Udio Card.
    • Balance transfer from one Card to another is not offered.

    Issuance of Cards

    The co-branded Udio RBL Bank Visa Card shall be issued on the request of cardholder and pursuant to the Cardholder making an application for the Udio RBL Bank Visa Card and agreeing to the applicable terms and conditions in the manner prescribed by RBL Bank in this regard.

    Customer should not have any active card either plastic/virtual to order a new Udio Plastic card. To order a Udio plastic card:

    • From the Udio app, click on My Udio card section and enter the user information
    • Enter complete address for delivery
    • Order confirmation message is displayed and Rs. 99/- gets deducted from customer’s Udio wallet

    The Udio card kit which contains Card and an instruction booklet, shall be dispatched to the delivery address within 20 days. The card kit contains Card and an instruction booklet on how to activate and use the card.
    A Digital Udio card can be ordered/activated from the Udio app’s by clicking on Generate card in My Udio Card Section. Currently there is no charge for a digital card which is subject to change as per the discretions of TranServ.

    Activation of Card

    To activate a Udio plastic card, customer shall

    • click on Activate Card option in the Udio app’s My Udio card section
    • Enter the information including gender, name, DOB, Mother’s maiden name and the 16-digit card number displayed on the front of the card and
    • Activate

    To activate a digital Udio Visa card, customer shall

    • click on Generate Card option in the Udio app’s My Udio card section.

    Upon activation of card, Customer shall either set up a 6-digit PIN or use the Udio password as a security measure before viewing the card details for both plastic and virtual Udio Visa cards.

    Details Card

    Card Expiry

    Udio Card is valid for 5 years from the date of issue.

    Udio Card can be used for both online and offline (POS) transactions only during the validity period.

    On expiry, customer has to order/generate a new Udio plastic card by paying applicable fees.

    Loading funds on the card

    Udio Card balance is linked to customer’s Udio wallet balance and can be loaded by loading funds into the wallet.

    Amount can be loaded in Udio Wallet by means of Credit card/ Debit card/ Net banking/ funds transfer subject to the KYC limits prescribed by TranServ from time to time.

    Such funds shall be loaded on the Udio Wallet after deduction of the applicable charges/ fees if any, payable by the Cardholder to RBL Bank for availing the said Card facility and the same shall be communicated from time to time.

    Usage of card

    The Cardholder shall be able to use the Card for vouchers as well as general purpose balance in Udio Wallet. The Card shall be activated subject to receiving due necessary confirmation from cardholder as requested from time to time.

    Plastic Card:
    The Cardholder can use the plastic Card at Merchant POS machines by swiping the card. PIN is not needed for authenticating the transaction.

    Any meal/medical/fuel vouchers available for consumption in wallet can also be utilized through the card. When the card is used at such merchant establishments the corresponding voucher balance if applicable will be deducted from the wallet. In the event when the voucher balance is less than the amount payable to the merchant, the same shall be then adjusted from the Udio Cash balance available.
    The Cardholder can view the card details on the app while making online transactions by entering the 6-digit pin or Udio password whichever was used for activating the card on the app.
    Digital Card:
    To use the digital card for online transactions, Cardholder selects the credit card option on the merchant page and enters the card details such as 16-digit card number, the expiry date (month and year), Customer name and CVV number. CVV number is be displayed on the rear side of the card for plastic cards. Cardholder can check the same on the Udio app’s My Udio card section after entering the customer’s Udio password/6-digit PIN.
    After submitting the card details, user will be taken to the Verified by Visa page where cardholder has to enter either his Udio password or the OTP sent to his registered mobile number for second factor authentication. Same OTP will also be visible on the Udio app’s My Udio card section after entering the customer’s Udio password/6-digit PIN.

        • Additional terms:
            • To protect the interest of the cardholder from any un-authorised use, it is advised that you shall keep the card under your personal custody at all the times, and shall under no circumstances whatsoever allow the card to be used by any other individual. The cardholder will sign on the reverse of the card in the signature panel immediately upon receipt of the card from the Bank.
            • Cards are treated like cash, and the Bank shall not be liable for the misuse, loss or theft of cards. The Bank will not reissue new card for any reason, including the loss, theft or expiration of such card.
            • The card is the property of the Bank and must be returned to an authorized person of the Bank / TranServ on request or surrendered to the Bank /TranServ in the event of the User no longer requiring the services.
            • The new card issuance will be at discretion of the Bank / TranServ. The User will be liable for payment of all charges incurred on the card until the card is hot listed /cancelled. If the card or its PIN is lost, stolen or misused You shall immediately contact the Customer Service Centre on the telephone numbers listed on the backside of the card. The Bank / TranServ upon adequate verification of information, will temporarily suspend the card. The User is solely liable for any Transaction or loss incurred due to the loss of the card, up to the time of the card being temporarily suspended by the Bank / TranServ. The card shall be blocked within 24 hours of reporting and risk of protecting your money starts from the time You report the loss of the card. The TranServ / Bank shall not be liable for any loss by the misuse of the card. The charges for usage of such services shall be borne by the User.
            • The User may utilize the card balance by due and proper use of the card, in accordance with these Terms and Conditions. No interest is payable to the User. The User is advised to transact only upto the requisite amount loaded on the card for purchase /availing services including applicable charges, otherwise the Transaction may not be honoured.
        • The Bank and /or TranServ relies on several third party services in delivering its services. The Bank shall not be held liable for any delays, failures, lack of accurate status or fulfilment of Transactions or making available information about past transactions that are dependent on third parties.
        • The Bank and/or TranServ makes reasonable efforts to effect all payment instructions but assumes no responsibility and shall incur no liability if it is unable to effect any payment instruction(s) for any reason whatsoever.
        • The Bank and/or TranServ makes reasonable efforts to keep its machines, services available. Several factors outside the control of the Bank and/or TranServ may disrupt availability and quality of services. The Bank and/or TranServ shall make reasonable efforts to keep Users informed about the service quality and availability issues through one or more electronic or digital channels.
        • The Bank and/or TranServ updates its services regularly to provide better experience and/or more capabilities to Users. In the process, the Bank and/or TranServ may introduce faulty behavior, lose information related to past transactions, discontinue or break previously available services. The Bank and/or TranServ disclaims any and all warranties including, but not limited to any warranties concerning the availability, accuracy, usefulness, correctness or completeness of information, and any warranties of title, warranty of non-infringement, freedom from computer virus, warranties of merchantability or fitness for a particular purpose, other than those warranties which are incapable of exclusion, restriction or modification under Applicable Laws.
        • RBL Bank and/or TranServ employs reasonable technology and systems to guard access to the User’s accounts and information. However, the User acknowledges that the User is solely responsible for protecting account information and that the Bank and/or TranServ is providing authentication, authorisation and access control services for the User’s information on a best effort basis and that the User cannot hold the Bank and/or TranServ or any of its associates or affiliates responsible for any compromise, loss, theft or damage to such information, irrespective of the cause. RBL Bank and/or TranServ may deny access to the User’s accounts maintained with it, if it suspects or has reasonable doubt to suspect or if so instructed by competent regulatory or legal authority or upon its sole assessment of risk, abuse and non-compliant activities associated with such account.
        • RBL Bank and/or TranServ shall be entitled to rely upon any third party systems, tools or mechanisms to safeguard its own systems against any fraud. Such third party systems may rely upon the User’s data and information for detection and mitigation of fraud.
        • The User acknowledges that the User or third party content presented is obtained from sources believed by the Bank and/or TranServ to be reliable. The Bank and/or TranServ does not provide any guarantee with respect to such content and the Bank and/or TranServ shall not be held liable for any loss suffered by Users based on their reliance on or use of such data, whether any such data is published on the website of the Bank and/or TranServ or in its communications to the Users.
        • Without prejudice to the foregoing, RBL Bank and/or TranServ shall be under no liability whatsoever to the Customer in respect of any loss or damage arising directly or indirectly out of :
            • Any issue emerging post availing of the goods and services from the Merchant;
            • The refusal to honor or to accept Udio Card;
            • The malfunction of any computer/PoS terminal;
            • Effecting transaction instructions given other than by a Customer;
            • Handing over of Udio Card credentials by the Customer;
            • The exercise by RBL Bank and/or TranServ of its right to demand and procure the surrender of Udio Card prior to the expiry, whether such demand and surrender is made and/ or procured by RBL Bank and/or TranServ or by any person or computer terminal;
            • The exercise by RBL Bank and/or TranServ of its right to terminate any Udio Card;
            • Any injury to the credit, character and reputation of the Customer alleged to have been caused by the repossession of Udio Card and/ or, any request for its return or the refusal of any Merchant Establishment to honor or accept the Udio Card;
            • Any mis-statement, misrepresentation, error or omission in any details disclosed by RBL Bank or the TranServ as otherwise required by law.
        • If RBL Bank or the TranServ receives any process, summons, order of injunction, execution, distraint, freezing, levy, lien, information or notice which RBL Bank or the TranServ in good faith believes/ calls into question the Customer’s ability, or the ability of someone purporting to be authorized by the Customer, to transact using Udio Card, RBL Bank may, at its option and without liability to the Customer or such other person, decline to allow the Customer to obtain any portion of his funds, or may pay such funds over to an appropriate authority and take any other steps required by Applicable Law. RBL Bank reserves the right to deduct from the balance available on the Prepaid Account/PPI, a service charge and any expenses it incurs, including without limitation legal fees, due to legal action involving the Customer’s Prepaid Account/PPI.
        • Udio Card is provided on an “as is” and “as available” basis. Use of Udio Card is at your own risk. To the maximum extent permitted by Applicable Law, Udio Card is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. No advice or information, whether oral or written, obtained by you from RBL Bank or the TranServ will create any warranty not expressly stated herein. Without limiting the foregoing, neither RBL nor the TranServ warrant that the content is accurate, reliable or correct; that Udio Card will meet your requirements; that Udio Card will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that Udio Card will be free of viruses or other harmful components. Neither RBL Bank nor the TranServ will be liable for any loss or damage whatsoever or howsoever caused or arising, directly or indirectly, including without limitation, as a result of loss of data; interruption or stoppage of access to and/or use of Udio Card; interruption or stoppage of the websites of the Bank or the TranServ, non-availability of connectivity links/hyperlinks.
        • Any content downloaded or otherwise obtained through the use of Udio Card is downloaded at your own risk, and You will be solely responsible for any damage to your property or loss of data that results from such download.
        • The Customer acknowledges that the Bank shall not be responsible nor shall they be liable to indemnify the Customer in the event of any loss or damage suffered by the Customer due to any cause or reason beyond the control of the Bank including, but not limited to, misplacement of the Udio Card, mechanical or technical failure and down time, connectivity down time etc. Without prejudice to the foregoing, the Bank shall be under no liability whatsoever to the Customer in respect of any loss or damage arising directly or indirectly due to use of the Udio Card.
        • Neither RBL nor the TranServ, endorse, guarantee, or assume responsibility for products advertised or offered by a third party through Udio Card or any hyperlinked website, or featured in any banner or other advertising, and neither RBL Bank nor the TranServ will be a party to or in any way monitor any transaction between you and third-party providers of goods and/ or services.

    Authorization to TranServ

    Cardholder authorizes TranServ to debit the equivalent amount from the corresponding Udio Wallet linked to the card.

    Lost or stolen Cards

    If a Card is lost or stolen, the Cardholder must immediately report the loss/theft over the telephone to Udio RBL Bank Visa Card’s helpline number as mentioned.
    Cardholders can contact RBL Bank at any of the below mentioned points:
    Telephone call at 022-6773 7800
    Email to ping@udio.in
    Write to Udio RBL Bank Visa Card; C/O TranServ Private Limited,
    Office #2 Ground Floor, High Tech Plaza,
    Off Mahakali Caves Road, Andheri (E),
    Mumbai – 400093.

    RBL Bank shall, upon adequate verification, hotlist/cancel /suspend the Card and terminate all facilities in relation thereto during working hours on a working day following the receipt of such intimation and shall not be liable for any inconvenience caused to the Cardholder in this regard.
    The Cardholder must also file a report at the local police station and send a copy of the same to RBL Bank. The Cardholder shall take cognizance of the fact that once a Card is reported lost, or stolen and is subsequently found, the same shall be promptly cut in half, returned to RBL Bank and adequate care taken to prevent its misuse.

    The Cardholder is responsible for the security of the Card and shall take all steps towards ensuring the safekeeping thereof. The Cardholder will be liable for all charges incurred on the Card until the Card is reported lost / stolen. Further, in the event RBL Bank determines that the aforementioned steps are not complied with, financial liability on the lost or stolen Card would rest with the Cardholder. In case of any dispute relating to the time of reporting and/ or transaction/s made on the Card or any other matter in relation to the said Card, RBL Bank shall reserve the right to ascertain the time and/ or the authenticity of the disputed transaction.

    Surrender/Replacement

    The Card issued to the Cardholder shall remain the property of RBL Bank and shall be surrendered to RBL Bank, on the request of RBL Bank. The Cardholder shall return the Card to RBL Bank for cancellation in the event the services are no longer required by the Cardholder or if the services are withdrawn by RBL Bank for any reason whatsoever.
    RBL Bank may issue a replacement Card to the Cardholder upon a request being made by the Cardholder, in this regard and at its sole discretion. The replacement Card shall be dispatched to authorized distribution centre and Cardholders will be guided to the respective distribution centre to collect the card, as is deemed necessary, by RBL Bank. In the event of the death of the Cardholder, a new replacement Card may be issued to the legal of the Cardholder by RBL Bank, upon a request for the same being made by the Cardholder on the same terms and conditions or such other terms and conditions as RBL Bank may deem fit and subject to producing the required documents evidencing the legal their status and any other document as required by RBL Bank in this regard. In case of the permanent total disability of the Cardholder, a new replacement Card, on the same terms and conditions or such other terms and conditions as RBL Bank may deem fit, may be issued in the name of the Cardholder or any other person specified by the Cardholder, subject to a request for such an issue being made by the Cardholder. The issuance of the replacement Card shall be as per the internal policies and procedures of RBL Bank and shall be subject to applicable laws.

    Risk Management

    RBL Bank may impose restrictions for loading/ usage of cards including but not limited to monthly limits, maximum loads limit, transaction limits such limitations stated herein above may be reviewed and modified at the discretion of RBL with or without prior intimation to the Car holder

    RBL Bank may also, at any time, with or without notice, at its absolute discretion, restrict, terminate or suspend the usage of card at any time without prior notice if Bank reasonably believes it necessary for business or security reasons.

    Termination

    The Card is valid up to the last date on the month of expiry as indicated at “Valid Thru” section on the face of the Card. However, RBL Bank may, at any time, with or without notice, at its absolute discretion, terminate the Card.

    Card Security

    The Cardholder shall at all times ensure that the Card is kept at a safe place and shall under no circumstances whatsoever allow the Card to be used by any other individual. The Cardholder shall sign the Card at the appropriate place provided on the reverse side of the Card immediately upon receipt. The Cardholder shall be responsible for all facilities granted by RBL Bank and for all related charges and shall act in good faith in relation to all dealings with the Card and RBL Bank.

    Liability in case of service provider transactions

    In case of Visa Cards, the liability of the Cardholder for disputed, unauthorized Visa transactions shall be limited to zero provided the Cardholder notifies RBL Bank immediately of such disputed, unauthorized transactions and gets the card hot listed and the Cardholder is not, in the opinion of RBL Bank, guilty of negligence, fraud or collusion etc.
    In case of a charge back being made to the Card, the Card would be credited with the said charge back amount.
    In case the Card is expired, RBL Bank shall issue a new replacement Card, and shall credit the said amount to the new replacement Card. The said replacement Card shall be valid for a period of one year and will be renewed once the annual fee is received by RBL Bank.

    Statements and records

    Cardholder shall inform RBL Bank in writing within 15 days, if any irregularities or discrepancies exist in the transactions/ particulars of the Card Account on any Statement that is made available to the Cardholder. If RBL Bank does not receive any information to the contrary within 15 days, it shall assume that the Statement and the transactions are correct. All records maintained by RBL Bank, in electronic or documentary form of the instructions of the Cardholder and such other details (including but not limited to payments made or received) pursuant to the terms and Conditions, shall as against the Cardholder, be deemed to be conclusive evidence of such instructions and such other details.

    • Cardholder can view and download the statement from the Udio wallet App.
    • The statement consists of all transactions done using Udio wallet.
    • The card transactions are itemized under “Card Swipe”. Date, Merchant name and amount of debit is shown in the statement
    • All transactions up to 6 months from current date are available for the Cardholder to download from the app.
    • For details of transactions done prior to 6 months, Cardholder can write to ping@udio.in with registered mobile number and details of transaction required.

    Exclusion from liability

    In consideration of RBL Bank providing the Cardholder with the facility of the Card, the Cardholder hereby agrees to indemnify and keep RBL Bank and TranServ indemnified from and against all actions, claims, demands, proceedings, losses, damages, personal injury, costs, charges and expenses whatsoever which RBL Bank may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of providing the Cardholder the said facility of the Card or by reason of RBL Bank’s acting in good faith and taking or refusing to take or omitting to take action on the Cardholder’s instructions, and in particular arising directly or indirectly out of the negligence, mistake or misconduct of the Cardholder; breach or noncompliance of the rules/ terms and conditions relating to the Card and/ or fraud or dishonesty relating to any transaction by the Cardholder. The Cardholder shall also indemnify RBL Bank fully against any loss on account of misplacement by the courier or loss- in- transit of the Card. Without prejudice to the foregoing, RBL Bank and TranServ shall be under no liability whatsoever to the Cardholder in respect of any loss or damage arising directly or indirectly out of:

    • Any issue emerges post taking services from merchant;
    • The refusal of any person to honour or to accept the Card;
    • The malfunction of any computer/POS terminal;
    • Effecting transaction instructions other than by a Cardholder;
    • Handing over of the Card by the Cardholder to anybody other than the designated employees of RBL Bank at RBL Bank’s premise;
    • The exercise by RBL Bank of its right to demand and procure the surrender of the Card prior to the expiry date exposed on its face, whether such demand and surrender is made and/ or procured by RBL Bank or by any person or computer terminal.
    • The exercise by RBL Bank of its right to terminate any Card;
    • Any injury to the credit, character and reputation of the Cardholder alleged to have been caused by the repossession of the Card and/ or, any request for its return or the refusal of any merchant establishment to honor or accept the Card;
    • Any misstatement , misrepresentation, error or omission in any details disclosed by RBL Bank except as otherwise required by law, if RBL Bank receives any process, summons, order injunction, execution distrait, levy, lien, information or notice which RBL Bank in good faith believes/ calls into question the Cardholder’s ability, or the ability of someone purporting to be authorized by the Cardholder, to transact on the Card, RBL Bank may, at its option and without liability to the Cardholder or such other person, decline to allow the Cardholder to obtain any portion of his funds, or may pay such funds over to an appropriate authority and take any other steps required by applicable law. RBL Bank reserves the right to deduct from the balance available on the Card, a service charge and any expenses it incurs, including without limitation legal fees, due to legal action involving the Cardholder’s card;
    • Any statement made by any person requesting the return of the Card or any act performed by any person in conjunction;
    • In the event a demand or claim for settlement of outstanding dues from the Cardholder is made, either by RBL Bank or any person acting on behalf of RBL Bank, the Cardholder agrees and acknowledges that such demand or claim shall not amount to be an act of defamation or an act prejudicial to or reflecting upon the character of the Cardholder, in any manner.

    Validity / Termination

    The Cardholder may end the Agreement at any time by writing to our Email ID ping@udio.in or calling in to Udio Care (022-6773 7800), and by cutting the card(s) diagonally. All the cards including the add-on cards will be terminated basis the written request. Termination will be effective after payment of all amounts outstanding, if any, on the card account. No annual, joining or renewal fees shall be refunded on a pro-rata basis.
    RBL Bank may also restrict, terminate or suspend the use of Card at any time without prior notice if Bank reasonably believes it necessary for business or security reasons. The Card must not be used after the agreement ends or while use of Card Account is suspended.

    Addition/ Withdrawal of Facilities

    RBL Bank or TranServ may, at its discretion, make available to the Cardholder more services on the Card, POS Terminals, Internet or other wise and/ or other devices through shared networks for the Cardholder’s convenience and use. All fees and charges related to Transactions done by the Cardholder at these devices as determined by RBL Bank from time to time will be recovered by a debit to the balance available on the Card. The Cardholder understands and agrees that the shared networks may provide different functionalities and service offerings and different charges for different services. RBL Bank or TranServ shall also, in its sole discretion, at any time, without notice to the Cardholder, be entitled to withdraw, discontinue, cancel, suspend/ or terminate the facility to use the Card and/ or services related to it, at POS Terminal/ Internet / other devices within India and shall not be liable to the Cardholder for any loss or damage suffered by him resulting in any way from such withdrawal, discontinuance, cancellation, suspension or termination.
    RBL Bank or TranServ reserves the right to change these terms and conditions and reserves the right to modify the fees applicable to the Udio RBL Bank Visa Card at any time. The most current version will always appear at the website: www.udioforyou.com
    Disclosure of Information when requested by RBL Bank, the Cardholder shall provide any information, records or certificates relating to any matters that RBL Bank deems necessary. The Cardholder authorizes RBL Bank to verify the information furnished by whatever means or from whichever source RBL Bank deems necessary. If the data is not provided or incorrect data is provided, RBL Bank, at its discretion, may refuse to issue or renewal of the Card or cancel the Card forthwith.
    RBL Bank reserves the right to disclose the Cardholder’s information to any court of competent jurisdiction, quasi-judicial authorities, law enforcement agencies and any other wing of Central Government or State Government. It also reserves the right to disclose the Cardholder’s information to service providers or agencies or partners for providing services in relation to the Card.

    Inactivity

    Inactivity is defined as No customer initiated debit or credit transaction using Udio Card. Cardholder is liable to pay inactivity fees, in the event of no customer initiated debit or credit for a period of 6 consecutive months (180 days) or as communicated from time to time. TranServ reserves the right to recover the inactivity fee from the Udio Wallet Balances without having to obtain any additional authorisation of the cardholder. In case of insufficient balances to recover the inactivity fee, TranServ reserves the right to recover all the amount available in the Udio Wallet. TranServ further reserves the right to terminate the Udio Card on its sole discretion.

    Indemnity

    The Cardholder agrees to and shall indemnify and hold the TranServ and RBL and each of its employee agents, consultants, contractors, content providers or representatives harmless against all actions, claims, liabilities, demands, proceedings, losses, damages, costs, charges and expenses including reasonable attorney’s fees and court / adjudicating body costs whatsoever, which the RBL may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of,

    1. breach of the Cardholder’s representations and warranties;
    2. the improper use of the Card by the Cardholder or any other person with/without the consent of the Cardholder; or
    3. the breach by Cardholder or any other person with/without the consent of the Cardholder of any of the provisions of these Terms or any other agreement with the RBL by the Cardholder or,
    4. fraud or dishonesty relating to any transaction by the Cardholder or his employees/agents
    5. by reason of the RBL in good faith taking or refusing to take or omitting to take action on any instruction given by the Cardholder due to acts or omissions of the Cardholder, including but not limiting to:
      (a) Failure to intimate/inform the RBL when he/it suspects or knows that his/its Passwords are known to third parties or when third parties use his/its Passwords for carrying out unauthorized or illegal transactions;
      (b) Failure to keep confidential and secure the PIN from third parties;

    (c) Failure to inform the RBL regarding any changes in his/its personal information;
    (d) Failure to comply with the Law;
    (e) Failure to comply with the usage guidelines issued by the RBL in respect of the Card as may be applicable at the relevant time;
    (f) Failure to comply with these Terms and any agreement between the RBL and the Cardholder.

    1. TranServ and RBL shall not be liable for any loss, damages, charges, expenses, proceedings claims, actions of any nature arising on account of usage of card by the Cardholder at Merchant Establishments.

    Cardholders Obligations & Covenants

    Cardholder shall be liable for all Transactions and for the related charges and accepts full responsibility for use of card, Transactions recorded whether or not processed with his knowledge or his authority, expressed or implied.
    Cardholder irrevocably authorizes TranServ to debit the amount utilized for transactions from the lined Udio wallet linked.
    Cardholder shall hold RBL indemnified and harmless for its actions in good faith and in the normal course of business based on Transactions.
    RBL will employ its best efforts in carrying out the Transactions but will not incur any liability either to the Cardholder or any other person for any reason whatsoever including for its delay or inability to carry out a Transaction or an instruction.
    RBL/TranServ reserves the right at any time to charge the Cardholder any fees/ charges for the transactions carried out by using card. Details of applicable fees and charges can be obtained from Udio Site and are subject to change from time to time.
    Any government charges, or debits, or tax payable as a result of the use of card shall be Cardholder’s responsibility.
    Amounts due and payable by Cardholder, shall be recovered by RBL from the funds available in the Udio wallet.
    RBL may at its sole discretion withdraw or suspend any card or amend any of its features without notice to the Cardholder.
    RBL shall have discretion to not allow the Cardholder to carry out a transaction where it has reason to believe that the use of card is not authorized or the Transaction appears not genuine or unclear or such as to raise a doubt.
    RBL, at their discretion, reserves the right to either temporarily or permanently withdraw the privileges on the instrument and/or cancel the instrument at any time without giving any notice or assigning any reason thereof. In case of temporary withdrawal, the privileges may be reinstated by RBL as deemed fit.

    Disputes

    These Terms and Conditions will be governed by and be construed in accordance with the laws of India. All disputes are subject to the exclusive jurisdiction of the Courts in Mumbai, irrespective of whether any other Court may have concurrent jurisdiction in the matter. The Cardholder shall be liable for all costs associated with resolution of the dispute, legal expenses and decretal amounts with interest, should it become necessary to refer the matter to any agent or where legal resources for enforcement of rights of RBL Bank in this regard.

    Communication

    Any communication from RBL Bank to the Cardholders will be deemed to be completed within 7 days of sending such a communication to the most recent mailing address or Email ID or mobile number available with RBL Bank.

    Cardholder agrees to receive Mobile App notifications, sms, authorising TranServ & its representatives to send SMS, to call or email you with reference to your registered account. This consent will override any registration for DND/DNC/NDNC.
    You acknowledge that the alerts will be received only if the mobile phone is in ‘On’ mode to receive the SMS. If the mobile phone is in ‘Off’ mode, then the cardholder may not get / get after delay any alerts sent during such period. Cardholder also agree that the mobile app notification will be managed by as per your choice on your phone. The Cardholder cannot hold TranServ liable for non-availability of the service in any manner whatsoever.
    In case a Cardholder wishes to opt out of marketing and promotional messages you will need to provide such an instruction by sending an email to ping@udio.in specifically with subject “Opt Out”.
    Cardholders can contact RBL Bank at any of the below mentioned points:
    Telephone call at 022-6773 7800
    Email to ping@udio.in
    Write to Udio RBL Bank Visa Card; C/O TranServ Private Limited,
    Office #2 Ground Floor, High Tech Plaza,
    Off Mahakali Caves Road, Andheri (E),
    Mumbai – 400093.

    The Cardholder hereby acknowledge that the SMS service provided by TranServ is an additional facility provided for the Cardholder’s convenience and that it may be susceptible to error, omission and/ or inaccuracy. In the event the Cardholder observes any error in the information provided in the alert, TranServ shall be immediately informed about the same by the Cardholder and TranServ will make best possible efforts to rectify the error as early as possible. The Cardholder shall not hold RBL or TranServ liable for any loss, damages, claim, expense including legal cost that may be incurred/ suffered by the Cardholder on account of the SMS facility. The Cardholder acknowledges that the clarity, readability, accuracy, and promptness of providing the service depend on many factors including the infrastructure, connectivity of the service provider. TranServ shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.

    Refunds/Reversals

    In case a Cardholder wishes to cancel a completed Transaction due to an error or on account of merchandise return, the earlier Charge receipt must be cancelled by the Merchant and a copy of the cancelled receipt must be retained by the Cardholder in his possession. All Refunds and Adjustments due to any Merchant/device error or communication link must be processed manually
    The refund transaction shall be credited to the Udio wallet after due verification and in accordance with RBL Bank rules and regulations as applicable.
    The Cardholder agrees that any debits received during this time will be honoured based only on the Available Balance on the Card without considering this Refund. The Cardholder also indemnifies the Bank and TranServ from such acts of dishonouring the payment instruction

    Fees and Charges

    All fees and charges related to Udio RBL Bank Visa Card, as determined by RBL Bank will be recovered by a debit to the Udio RBL Bank Visa Card or through other means as available and applicable. The fees are not refundable. Any government charges, duty or debits, or tax payable as a result of the use of the Card shall be the Cardholder’s responsibility and if imposed upon RBL Bank (either directly or indirectly), RBL Bank shall debit such charges, duty or tax against the Card.
    In addition, operators of Shared Networks (like Visa) may impose an additional charge for each use of their POS Terminal/other device, and any such charge along with other applicable fees/ charges will be deducted from the Card.
    TranServ may charge an inactivity fee for non-usage of Udio Card for a period of 6 months or as prescribed by TranServ from time to time
    Fees or charges applicable to Udio RBL Bank Visa Card are subject to change from time to time at the sole discretion of RBL Bank.
    Details of the currently applicable fees and charges as stipulated by RBL Bank will be displayed on the website www.udioforyou.com or communicated from time to time.

    Particulars Amount
    Card issuance Rs. 99* (shipping free in India)
    Card replacement Rs. 99*(shipping free in India)
    Card blocking Rs. 50*
    RBL Bank Prepaid Account 6 month inactivity fee Rs. 50*
    Fuel Surcharge 2.5% or Rs 10 whichever is higher

    * Inclusive of service tax and education cess
    Unless explicitly stated in this Schedule of Charges, Service Tax as may be applicable from time to time on all fees, surcharge and other charges will be levied to the cardholder.
    RBL Bank or TranServ may choose to waive its right to impose certain fee by communicating the same to the Cardholder on a case to case basis.

    Disclosure of Information:

    The cardholder hereby irrevocably authorizes the RBL Bank and TranServ to disclose, exchange, share or part with all or any information relating to the Cardholder’s details and repayment history information and all information pertaining to and contained in the Terms or as expressed in the application made for the Card to its Affiliates/ banks / financial institutions/ credit bureaus / regulators/ agencies / statutory bodies as may be required and can be disclosed by the Bank to whom the Bank may deem fit to make such disclosure and cardholder undertakes not to hold the Bank/its Affiliates/TranServ and their agents liable for use of the aforesaid information.
    The Cardholder hereby authorise TranServ and RBL Bank to use the customer data for the purpose not limited to analyse the customer behaviour on mobile application, website etc. to build product features or marketing offers.
    TranServ and RBL may share some or all information provided by the cardholder with the Payment Service Providers, card associations, regulators, government agencies vendors or any other third parties as may be necessary for the efficient provision of UDIO Services by TranServ to the Customer. The cardholder hereby authorise TranServ to provide such information to such third parties. TranServ may, irrespective whether required under law or otherwise, seek additional information or documents from the cardholder on behalf of itself, Partner Bank or the Payment Service Providers for verifying any information provided during the registration.

    Governing Law & Jurisdiction

    These Terms & Conditions and/or the Transactions shall be governed by Indian law and all courts in Mumbai shall have the exclusive jurisdiction as regards any claims or matters arising out of the use of the Udio Card