Terms of Use

These terms of use (“Terms of Use”) form an agreement between ICICI Bank Limited, South Africa Branch (“ICICI Bank”) and you and govern your use of this website (the ”Website”) and all information, data, records, statements etc. available/accessed on, from or submitted through/ received from the Website. By using the Website, you are agreeing to abide by and accepting to follow completely the practices and/or requirements described in these Terms of Use, Privacy Policy and, without limitation or qualification, the Internet Banking Terms and Conditions available on the Website. If you, at any point of time, do not agree to these Terms of Use, Privacy Policy or the Internet Banking Terms and Conditions, please do not use or access the Website and exit immediately. ICICI Bank reserves the right to amend the said Terms of Use from time to time without any notice and/or reserve/control the entry/access to this Website. Your use of the Website following the posting of any such changes to these Terms of Use will amount to acceptance of such changes by yourself.

All products and services offered by ICICI Bank are subject to separate terms and conditions, which govern their use. If you are an existing customer of ICICI Bank these Terms of Use, Privacy Policy and Internet Banking Terms and Conditions will apply in addition to any product or service specific terms and conditions.


All of the content featured or displayed on the Website, including without limitation text, graphics, photographs, images, moving images, sound and/or illustrations ("Content"), is owned and/or managed by ICICI Bank and/or its licensors, vendors, agents and/ or its Content providers. All elements of the Website, including without limitation the general design and the Content, are protected by copyright, trademark and other laws relating to various intellectual property rights.

Deemed Access

By using or accessing this Website, the customer is deemed to have given permission to ICICI Bank to use information derived from the customer’s usage or access of this Website in connection with any of the customer’s account (s) with any member of the ICICI Group (“ICICI Group”), as ICICI Bank shall deem fit for any purpose without incurring any liability of whatsoever nature.


This Website may contain links to websites owned, controlled or offered by third parties. Access to and the use of such websites is at the customer’s own risk and subject to the terms and conditions applicable to such access and/or use. For the avoidance of doubt, by creating a link to a third party website, ICICI Bank shall not be construed as endorsing or recommending any product or service offered or as verifying any information contained in any such third party website. Accordingly, ICICI Bank will not be responsible for any and all information, materials, products or services (or any failure thereof) contained in or offered at any such third party website linked to this website.

Framing this Website

Running or displaying the Website or any information or material displayed on the Website in frames or through similar means on another web site without our prior written permission of ICICI Bank is strictly prohibited and may be treated as an offence and/or punishable under the relevant applicable laws. Any permitted links to the Website from any third party hypertext link or otherwise must comply with all applicable laws, rules and regulations and internal policies of ICICI Bank in this regard as applicable from time to time.


Any and all information submitted to ICICI Bank through this Website shall be deemed to be and shall remain the sole and exclusive property of ICICI Bank. ICICI Bank shall be entitled to use, for any purpose and without any payment or compensation, any information including but not limited to ideas, concepts, know-how or techniques in whatsoever form provided to ICICI Bank through this Website.

Email Messages

ICICI Bank does not guarantee that email messages sent to ICICI Bank over the Internet will be completely secure. Under no circumstances will ICICI Bank be liable for any damages incurred or sustained by the customer in connection with or arising from any message transmitted via the Internet by the customer to ICICI Bank, or by the ICICI Bank to the customer at the customer’s request.

Inherent Nature of the Internet

The customer acknowledges and accepts that the inherent nature of the Internet is such that transmissions may be subject to interruption, interception, hacking, transmission blackout, delayed transmission and/or incorrect data transmission. ICICI Bank will not be liable for malfunctions in communications facilities not under its control that may affect the accuracy, authenticity or timeliness of messages and transactions that may be sent and does not warrant that any identified defect will be corrected.

Copyrights, Trademarks and Copying Materials

The customer notes that "ICICI Bank" and its Affiliates' logos are registered trademarks and property of ICICI Bank. No licence or right is granted and your access to this Website and/or use of Internet Banking services should not be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademarks, service marks or logos appearing on the Website without the prior written consent of ICICI Bank or the relevant third party proprietor thereof. Save and except with ICICI Bank’s prior written consent, no such trade mark, service mark or logo may be used as a hyperlink or to mark any hyperlink to any of our Affiliates’ website or any other website. ICICI Bank has a licence for or own all intellectual property rights for its Website(s) through which you access Internet Banking services and all trademarks and other materials used on it.

Force Majeure

ICICI Bank shall not be responsible for any damages or for delays or failures in performance/functioning of the Website and/or its Contents resulting from any acts or occurrences beyond their reasonable control, including, without limitation: fire, lightning, explosion, power surge or failure, water, acts of God, war, revolution, acts of terrorism, civil commotion or acts of civil or military authorities or public enemies: any law, order, regulation, ordinance or requirement of any government or legal body or any representative of any such government or legal body; or labour unrest, including, without limitation, strikes, slowdowns, picketing or boycotts; inability to secure raw materials, transportation facilities, fuel or energy shortages, or acts or omissions of other common carriers.


By the customer’s (i) use and/or continued use of this Website; or (ii) access and use of the products and services provided through this Website, the customer signifies his/her agreement to indemnify and to keep ICICI Bank, its officers, nominees and agents fully and effectively indemnified against all actions, liabilities, costs, claims, losses, damages, proceedings and/or expenses (including all legal costs on an indemnity basis) suffered or incurred by ICICI Bank as a result of: 

  • any violation of the Internet Banking Terms and Conditions (including these terms of use) or any other terms and conditions applicable to the customer’s account (s), by the Customer;a
  • any unauthorised use of Internet Banking services by the Customer;
  • any misrepresentation or breach of representation or warranty made by the customer contained herein; or
  • any breach of any covenant or obligation to be performed by the customer hereunder.
No Warranties

The contents of this Website, including but not limited to services, products, information, data, text, graphics, audio, video, links or other items are provided 'AS IS ', and 'AS AVAILABLE '. ICICI Bank does not warrant the truth, accuracy, adequacy, completeness or reasonableness of such contents and expressly disclaims liability for any and all errors or omissions whatsoever.

No warranty of any kind, implied, express or statutory, including but not limited to any warranty of title, non-infringement of third party rights, merchantability, satisfactory quality, fitness for a particular purpose and freedom from computer virus or other contaminants or other malicious, destructive or corrupting code, agent programme or macros (collectively, the 'virus'), is given in conjunction with this website, or its contents, including any links to third party websites.

Exclusion of Liability

Without prejudice to anything contained in this Website, ICICI Bank shall not be liable in any manner whatsoever for any damage, loss or expense including without limitation, direct, indirect, special, or consequential damage, or economic loss arising from or in connection with:

any access, use or the inability to access or use this Website, use of or reliance on the contents of this Website;

  • any transaction performed on any web page in this Websites
  • any system, server or connection failure, error, omission, interruption, interception, delay in operation or transmission, or computer virus;
  • any use of or access to any other websites linked to this Website;
  • any service, product, information, data, software or other materials obtained from this Website or from any other websites linked to this Website.



If any provision in these Terms of Use is declared invalid or unenforceable or becomes so by applicable law, such provision shall to the extent of such invalidity or enforceability be deemed severable and not affect the validity or enforceability of the remainder of these Terms of Use. We have reasonable security measures in place to protect against the loss, mis-use and interception by third parties of the information under our control.

Governing Law and Jurisdiction

By accessing this Website and/or using the services offered through this Website, the customer agrees that South Africa law (including without limitation, the provisions of the Electronic Transactions Act (No. 25 of 1998) shall govern such access and the provision of such services and the customer agrees to submit to the non-exclusive jurisdiction of the courts of the South Africa. No person who is not a party to any transaction between the customer and ICICI Bank shall have any right whatsoever under the Contracts (Rights of Third Parties) (Cap. 53 B).


Legal disclaimers

ICICI Bank Limited, South Africa branch (“ICICI Bank”) maintain this website (the "Website") for your personal information, education and communication. Please feel free to browse through the Website. You may download material displayed on the Website for non commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not, however, distribute, modify, transmit, reuse, report, or use the contents of the Website for public or commercial purposes, including the text, images, audio, and video without ICICI Bank's written permission. No reliance may be placed for any purpose whatsoever on the information contained herein or on its completeness. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially.

ICICI Bank Limited is a banking company incorporated and regulated under Indian laws and maintains its head office in Mumbai, India with branch in South Africa: ICICI Bank Limited, South Africa branch (“ICICI Bank”). ICICI Bank is a bank licensed and regulated by the South Africa Reserve Bank of South Africa (“SARB”) and the FSCA (Financial Sector Conduct Authority). Any information regarding any products/services shall be subject to the terms and conditions specific to each product/service. The contents of this Website are subject to change without notice. ICICI Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by or caused to anyone by placing reliance on anything set out herein. Further, the information contained or available on this Website or any related communication is not intended to nor should it be construed to represent an offer, solicitation or advice to buy or sell any products/services by ICICI Bank and is not directed at any person and not intended to be acted upon in any jurisdiction where this would (by reason of that person's nationality, residence or otherwise) be contrary to law or other legal requirements. THE INFORMATION CONTAINED IN THIS DOCUMENT IS NOT INTENDED TO NOR SHOULD IT BE CONSTRUED TO REPRESENT THAT ICICI BANK PROVIDES ANY PRODUCTS OR SERVICES IN ANY JURISDICTION WHERE IT IS NOT LICENSED OR REGISTERED OR AUTHORISED TO DO SO.

“ICICI Bank” and the "I man" logo are the trademarks and intellectual property of ICICI Bank. Misuse of any intellectual property of ICICI Bank is prohibited by law.

By accessing, browsing the Website, the customer accepts, without limitation or qualification, the Internet Banking Terms and Conditions, the Privacy Policy, the Terms of Use (as defined below).

Any reference to service levels is only indicative and should not be construed to refer to any commitment by ICICI Bank or any other service provider. Interest rates are only cited as examples of rates that may be in effect from time to time and are only indicative and are subject to change at any time at the sole discretion of ICICI Bank or its affiliates, as the case may be.


Banking and financial services carried out by the Bank in South Africa, are provided within the ambit of the Bank’s South African regulatory licenses and/or authorisations, including:

  • As a branch of a foreign bank under the Banks Act, 1990
  • As an authorised dealer under the Currency and Exchanges Act, 1933 as read with the Exchange Control Regulations
  • As a credit provider under the National Credit Act, 2005.
  • As a financial services provider under the Financial Advisory and Intermediary Services Act, 2002.