CitiDirect enables me to have direct access to the Account(s) or to effect certain banking transactions (including, without limitation, secure e-mail which comprises the activation of the transactions listed in the pre-structured electronic instruction form and the transmission of instructions to you, funds transfer and bill payments) by electronic means via the use of personal computers or similar access devices ("Customer Terminal"). I shall gain access to CitiDirect for such purposes upon the correct input of my CIN and ATM-PIN into the Customer Terminal, subject to the terms and conditions hereunder, the CitiDirect User Agreement which is available on Citibank website, and to such other terms and conditions as you may at your absolute discretion determine from time to time. Where you in your absolute discretion make CitiDirect available to me, I shall be allocated an ATM-PIN which you shall notify to me. I will also be allocated a CIN if I do not already have one. I shall not reveal my ATM-PIN and/or CIN to any unauthorised party and shall take all steps to prevent discovery of my ATM-PIN by any unauthorised party. In the event that my ATM-PIN is disclosed or discovered by any other party, I shall immediately change my ATM-PIN. I may change my ATM-PIN from time to time, and you will be entitled at your absolute discretion to reject any number I select as my substitute ATM-PIN without giving any reason therefor. I authorise you to act upon any instructions which are identified by any use of my CIN and ATM-PIN ("CitiDirect Use"). Such instructions, upon receipt by you, shall be effected at your absolute discretion, by the next business day which shall be any day on which banks are open for business in Singapore other than Saturday, Sunday and gazetted public holidays in Singapore unless otherwise specified by you. You shall neither be liable for acting upon such instructions nor be obliged to investigate the authenticity or authority of persons effecting my instructions or verify the accuracy and completeness of my instructions. Such instructions shall be deemed irrevocable and binding on me upon your receipt notwithstanding any error, fraud, forgery, lack of clarity or misunderstanding in respect of the terms of such instructions. I shall notify you immediately upon receipt of incomplete, garbled or inaccurate data or information from you. I shall also notify you immediately upon receipt of any data or information which is not intended for me and I shall delete such data or information from the Customer Terminal immediately. I shall accept full responsibility for all transactions executed via CitiDirect and in particular for ensuring the accuracy and completeness of my instructions. I agree that you may without prior notice cancel or not to execute my instructions at any time without furnishing any reason and without incurring any liability. You shall be entitled but not obliged to verify any instructions given via CitiDirect by calling back online or via telephone or any other means. I represent that to the best of my knowledge, the Customer Terminal and any other computer system through which access may be effected by any use of my CIN and ATM-PIN are free from any electronic, mechanical, data failure or corruption, computer viruses and bugs. I agree that neither you, any of your branches nor any affiliate or subsidiary of Citigroup, Inc. (which is a corporation incorporated in the United States of America) ("Citigroup, Inc.") is responsible for any electronic, mechanical, data failure or corruption, computer viruses, bugs or related problems that may be attributable to services provided by any relevant internet service provider or information service provider. I acknowledge that all proprietary rights relating to and in connection with CitiDirect (including without limitation Citibank website) and all updates thereof, including without limitation title, trade mark rights, patent rights and copyrights, shall at all times vest and remain vested in you. You shall not be liable for and you shall indemnify me and keep me indemnified against any consequences, claims, proceedings, losses, damages or expenses (including all legal cost on an indemnity basis) whatsoever and howsoever caused that may arise or be incurred by you or any other party in providing CitiDirect to me, whether or not arising from or in connection with and including but not limited to the following : your taking of any instructions via CitiDirect and acting upon them; the improper or unauthorised use of CitiDirect, my CIN and/or ATM-PIN; any damage to the Customer Terminal, related facilities or software as a result of any access to CitiDirect effected by any CitiDirect Use; any loss or damage caused by any access effected by any CitiDirect Use and/or use of CitiDirect being prohibited, restricted, delayed or otherwise affected by (i) the laws and regulations of the country from where such service(s) is accessed and/or the terms and conditions prescribed by the relevant internet service provider or information service provider in such country of access; (ii) any law or regulation of any jurisdiction, regional or international authority which governs any use or any component of CitiDirect, any relevant internet service provider or information service provider or system; (iii) any act or omission by any relevant internet service provider or information service provider or network provider; (iv) your modifying, maintaining or upgrading the Citibank website; and/or (v) your terminating or modifying CitiDirect; any loss or damage suffered or incurred by me or any other party as a result of my relying or acting or omitting to act upon any information which you obtain from any third party (including without limitation any pricing, stock quotes, estimates and descriptions of any merchandise, product and service from Citibank website) ("Third Party Information"); any access (or inability or delay in accessing) and/or use of any browser which you provide to allow access to CitiDirect, effected by any CitiDirect Use, or for any defect in any such browser; any errors or omissions in the information and materials contained in the Citibank website; or any delay or failure in any transmission, despatch or communication facilities. I undertake not to commence any legal action or proceeding relating to and in connection with CitiDirect against you, any of your branches, any affiliate or subsidiary of Citigroup, Inc. more than one year after the cause of action has accrued. All communications through CitiDirect which fulfil your internal requirements shall be deemed to be valid, accurate and authentic, and given the same effect as, written and/or signed documentary communications. I agree not to dispute the validity, accuracy or authenticity of any evidence of any instructions and communication effected by any CitiDirect Use, including such evidence in the form of your computer records, transaction logs, magnetic tapes, cartridges, computer printouts, copies of any communication, or any other form of electronic information storage. I further agree that the foregoing shall be conclusive evidence of such instructions effected by any CitiDirect Use and communications received or despatched by you. I understand that any access to CitiDirect 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. You may at your absolute discretion and at any time without my prior consent : impose a fee for any CitiDirect Use, and for any re-extension thereof; and modify, restrict, withdraw or suspend any service under CitiDirect without giving any reason therefor, and you shall not be liable to me for any loss or damage I or any other party may suffer as a result thereof. Where you as part of CitiDirect provide me with any Third Party Information, I acknowledge and agree that you do not thereby warrant the accuracy or completeness of any such Third Party Information. Where you provide me (whether online or by way of CD-ROM) with a browser for the purpose of accessing CitiDirect, my use of the browser is subject to any payment, licensing and/or other terms prescribed by the relevant browser provider. Neither you, any of your branches, any affiliate or subsidiary of Citigroup, Inc., any relevant internet service provider or information provider nor any other software supplier makes any express, implied or statutory warranties relating to CitiDirect, the direct access software or services or browser including, but not limited to any warranties of merchantability, fitness for a particular purpose or non-infringement of third party proprietary rights unless disclaiming such warranties is prohibited by law. You do not warrant the accuracy, adequacy or completeness of the information and material (including all text, graphics and links to other websites) contained in the Citibank website. I agree that you have granted me only a non-exclusive licence to use the software relating to and in connection with CitiDirect. This allows me to use such software only for its intended purposes as provided hereunder. I shall not disassemble, decompile, copy, modify or reverse engineer any of such software or allow anyone else to do so. CitiDirect gives me access to services and information from you, your branches, any affiliate or subsidiary of Citigroup, Inc., which may be presented with a distinctive "look and feel". These services, information and "look and feel" are your proprietary property. I may use such services only for my personal, non-business use and may not reproduce, sell or distribute all or any portion of the information provided to me by such services. Although you shall use reasonable endeavours to ensure that CitiDirect is secure and cannot be accessed by unauthorised third parties, you do not warrant the security or confidentiality of any information transmitted through any relevant internet service provider, network system or such other equivalent system in any jurisdiction via CitiDirect.      Citibank Privacy Statement   Return to Citibank home page Terms, conditions, caveats and small print. Copyright © Citicorp 1998-1999.