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Cross-selling and Lead generation 7. This App enables customers to self-generate e-tokens for availing select Banking services at select Branches. This helps in reducing waiting time that customers have to endure. It also reduces crowding at a branch as the token is generated before the customer reaches the branch. Customer Experience Excellence Project: Under this initiative, branches were covered during the year and the total number of branches under CEEP stands at as on 31st March, Some key initiatives introduced by CEEP include: Provision of all Anytime channel machines viz.

Introducing Grahak Mitras to facilitate issue of tokens and facilitate migration of customers to Anytime Channels. Standardised process for sales management and cross selling 8.

Besides onsite support, advisory services are available through Remote Expert on hi-definition video conference. These branches provide a consistent experience across omni channels and comprise transaction processing stations self-service zone , information and interaction stations and advisory rooms. Right from account opening including enablement for transacting through alternate channels like Internet Banking and Mobile Banking and instant issuance of personalised debit cards to Remote Expert advisory, banking products and services delivery including products and services of SBI subsidiaries viz.

These Branches are available in 70 districts of the country. Going forward, your Bank intends to continue its journey of expanding this digital footprint even more widely 9.

Superior customer experience and trust in your Bank has made us the leader in Mobile Banking across the banking sector. Your Bank has leaped to the number one position in terms of value of transactions with a quantum jump in market share from 9. The volume of transactions saw a growth of The Corporate customers get additional features which allow them to initiate payment to suppliers, authorise e-cheques and enquiry of account transactions. Within 7 months of launch, Buddy user registration has crossed The wallet has seen more than 48 lakh transactions to the tune of Rs.

Out of which Rs. Buddy is the product designed for the tech savvy generation, the youth of the country, who are in touch with the world through their Mobiles. Buddy marketplace boasts of partnership with some of the biggest and the most popular names in the e-Commerce industry. In addition, all the branches are now authorised to open accounts under National Pension System. Cross Selling income increased from Rs.

Mutual Funds, gross mobilisation increased from Rs. Also, number of SIPs mobilised increased from 1,57, to 2,40, in FY, recording a growth of Your Bank marketed 1. Your Bank earned commission income of Rs. Some key highlights of the offering: The technology component of our Wealth Management Initiative is a major digitisation effort of your Bank. Middle Office compliance team to maintain tight controls on quality of sales C. With over 1 million customers, the SME portfolio of Rs. The revival of business sentiment and growth in GDP has brought the focus sharply on the growth and viability of SME units.

Apart from this, your Bank is leveraging technology for capturing early warning signals and has introduced digital inspection of units.

Overall, SBI is leveraging technology in every facet of the value chain, be it sourcing business, designing products, streamlining processes, improving delivery or monitoring and follow-up. Your Bank has taken several initiatives to build its SME portfolio in a risk mitigated manner and has brought about significant changes in i Product Suite, ii Processes iii Delivery.

Scoring Models have been introduced for loans up to Rs. Sector specific products like Construction Equipment Loan, Medical Equipment Loan have been introduced with pricing matrix and scoring models. Cluster specific products have been introduced to capture top quartile customers in an industry. Your Bank has introduced detailed Standard Operating Procedure SOP for various processes involved in the delivery of Credit to provide a ready reference to all operating functionaries.

Your Bank had undertaken Project Vijay starting in FY to revamp the delivery model for SME lending in order to drive growth and improve customer engagement, with following key features. Increasing focus on risk mitigated, competitive products; e. Deploying Vijaypath tool for performance monitoring of relationship managers Customer engagement has improved significantly with reduced turnaround time, simplified documentation and assignment of dedicated relationship managers. Your Bank has been increasingly shifting focus towards risk mitigated lending.

Supply Chain Finance Leveraging its state of the art technology, your Bank is focusing on further strengthening its relationship with the corporate world for their supply chain partners. Your Bank is extending collateral free lending up to Rs.

The cost of guarantee cover for working capital facilities up to Rs. Your Bank has a portfolio of Rs. It was able to achieve Rs.

Developments FY Project Shikhar was rolled out to gain first mover advantage in the e-Commerce space. Under this project, your Bank is working on various initiatives to pioneer an ecosystem for lending through partnerships with new business models. Three SME ecosystems have been identified as focus areas e-Commerce, taxi aggregators and franchise finance. Tie-ups with leading e-Commerce companies, Snapdeal and Flipkart, have been established this year.

This innovative product moves away from traditional balance sheet based lending to a cash flow based lending program.

It uses an in-house developed proprietary credit model based on platform and surrogate data to assess eligibility. Your Bank has also developed a digital tool to identify any early signs of stress through the e-commerce platform data of the borrower ii Taxi Aggregators Taxi aggregators have been revolutionizing the way Indians commute — and your Bank has tied up with these aggregators to help individual drivers buy a car and become mini-entrepreneurs. Under this, your Bank has tied up with both Ola and Uber India to extend vehicle loans to drivers and operators associated with these platforms.

A digital credit tool has been developed in-house by your Bank to automate the process and enable instant sanction. Documentation needs have been significantly simplified for enabling faster loan disbursal process.

Franchise finance along with electronic dealer finance will provide a comprehensive, competitive solution for large industry majors. Your Bank is tying up with large, reputed franchisors to extend this proposition to their new and existing franchisees. These loans will be risk mitigated through franchisor affiliation, comfort and repayment facilitation. Continuous sharing of data by franchisor will enable economic assessment of business model and identification of early warning signals for stressed franchisees.

Your Bank has been putting significant efforts to upgrade its technology to the best in class, on an on-going basis and the capability to offer near JIT Just in Time service delivery environment across its delivery channels.

You would be happy to note that your Bank has also improved its market share in Debit Cards spends from In sync with the focus of Government of India to create a digital economy, your Bank has strengthened its Debit Card acceptance infrastructure by giving a vigorous thrust on installation of Point of Sale PoS terminals, thereby taking the numbers to over 3.

With a view to move the larger base of Debit Cardholders to PoS terminals as also to e-Commerce websites, awareness campaigns are being run on a regular basis. Various innovations like introduction of sbiin Touch contactless Debit Cards, Mumbai Metro Debit Card, among others, aggressive marketing campaigns and Debit Card awareness programme, have placed your Bank in the top slot in terms Debit Card spends.

In addition to offering basic acquiring services on its terminals, your Bank is also providing Value Added Services such as: Your Bank has end eavoured to meet the financial needs of this segment through several innovative channels, products and services. The Indian rural market is undergoing a paradigm change with structural shifts in the economy, rising non-farm incomes, changing consumption preferences and increasing awareness among the rural consumers. This transformation is supported by several factors including rapidly rising connectivity, infrastructure development and emergence of new business opportunities.

Your Bank is serving more than 1. Always in the forefront in ensuring national priorities, your Bank surpassed the Agri credit flow target set by Government of India during FY, as in the past, as depicted in the table below. Some key initiatives in this area include: For ease and operational convenience, RuPay cards were issued to over New Products for Farmers: The products launched during the year include: Aimed at financing emerging Agri Business entrepreneurs engaged in high-tech farming and allied activities, the scheme was rolled out, with competitive interest rates.

Stree Shakti Tractor Loan Scheme: Mortgage free tractor loan for women as co-borrower with lower interest rates. In order to make agriculture lending more sustainable and to reduce risk in the portfolio, your Bank is focusing on supply chain finance through tie-ups. To avoid distress sale by the farmers and to encourage price discovery, your Bank has entered into tie-ups with Collateral Managers to offer finance to farmers against their produce stored in warehouses.

By FY, 1, villages have been adopted for their overall development. Today, the number of such clubs has reached 10, The key initiatives taken in adopted villages include the construction of community vermi-compost units under clean village concept; the construction of hygienic toilets; installation of Solar lighting in the villages; and conducting awareness programmes through melas and exhibitions.

Financial Inclusion Your Bank has been at the forefront of Financial Inclusion initiatives in the country. Your Bank is the pioneer in the Business Correspondent BC model, an alternative for providing banking services to cater to both urban and rural customers, characterized by small value transactions.

The BC model, with over 64, Customer Service Points CSPs across the country, provides various products and services such as savings, term deposits, micro loans, remittances, loan repayments and micro-pension. Your Bank has opened 5. A substantial number of these cards were issued in some of the most challenging areas of the country. The total number of financial inclusion accounts has thus grown from 7. In the years to come, all these initiatives are seeds that will eventually usher in a cashless society ecosystem, promising great social benefit.

Hub-and-Spoke Model with Business Correspondent Network Your Bank has mapped 1,03, villages to 52, rural Customer Service Points CSPs for servicing the customers with asset-liability products, including accepting credits in loan accounts from customers residing in remote unbanked areas.

Imparting Financial Literacy With the main objective of imparting financial literacy and facilitating effective use of financial services by the common man, your Bank has set up Financial Literacy Centres FLCs. Other New Business Initiatives Banking system is witnessing new challenges in its traditional business domain from new digitally enabled entrants.

Payments Bank and Small Finance Banks are on the anvil. The competitive scenario is getting intense and changing rapidly. SBIePay aims to be the one stop solution for processing all online Govt. Receipts and a leading player in C2G and B2G segment. Enterprise Wide Loyalty Programme: Your Bank envisions strengthening its relationship with its customers by recognizing their continued faith and long term association with your Bank. To further improve customer experience, the reward points can be redeemed at select Merchant partner outlets as well.

Your Bank has been administering pension payment to more than 40 lakh pensioners through its 14 CPPCs. Non Tax Receipt Portal of Govt. Visa fee is being collected through SBI e-pay. Your Bank is the sole banker to process LPG subsidy.

During the year, Rs. Other Direct Benefit Transfers: Your Bank has processed Your Bank services more than 60 lakh PPF, 3. In terms of operating cost reduction, your Bank has taken up the rationalisation of Currency Chests, under which Currency Chests CC have been closed during FY, saving a recurring cost of approximately Rs.

To attain considerable Cost Control and reduction, your Bank has further centralised and rationalised its purchases of registers and forms, and the introduction of Outsourcing Model for Stationary Management. To get the optimum advantage of bulk ordering in terms of reduced wastage and enhanced efficiency, a switchover from in-house supply of stationery items to an outsourcing model of web based stationery management is being implemented. This initiative is expected to help in the reduction of costs presently being incurred on hiring of premises, management of storage, obsolescence of stationery items, manpower and transportation costs.

Pilot rollout of the project was launched in two Circles in March This is expected to be completed during the FY on a Pan India basis. In order to reduce the printing cost of cheque books and establishment cost of LCPCs, further centralisation of cheque book printing is in the process of rollout and has been implemented for 8 Circles at 2 centres till date.

As a result of the above initiatives, your Bank continues to efficiently manage a continuously increasing volume of customer transactions by taking advantage of standardisation, skill building and economies of scale.

During FY, the Wholesale Banking business was focused on proactive monitoring of the portfolio given the The HNG Float Glass Manufacturing Site challenging economic environment, while continuing to grow its commercial and transaction banking business.

Going forward, your Bank will look at sourcing new businesses and generating new income streams, while continuing to offer comprehensive financial solutions to corporate clients with a focus on profitability and risk mitigation. CAG has 8 Offices in 6 regional centers viz.

The Relationship strategy is anchored on delivering integrated and comprehensive financial solutions to clients, through structured products, within a strict Turn- Around-Time. During the year, the group handled several high value deals of top clients from both private and public sectors. Your Bank has continuously been working on promoting technology initiatives for operational convenience as also to minimize operational risk.

Such initiatives include mobile versions of Corporate Internet Banking i. State Bank Anywhere — Corporate, which allow corporate users to initiate and authorize transactions through their mobile.

In addition e-trade and various payment solutions are now available. During the year your Bank has also stabilized the LL MS Loan Lifecycle Management System platform, a web based portal for assessing credit risk in loan proposals including internal credit rating exercise. Your Bank offers various e-Payment products through a secure process of dedicated portal with Host-to-Host facility.

The business has been growing over last three years. Your Bank has established an excellent technology and operation infrastructure for its Trade Finance business. Financial Institutions Business Unit Financial Institutions Business Unit is a dedicated vertical created for capturing potential business opportunities from financial institutions viz.

In addition to facilitating their Cash Management by making available various Collection and Payment products , Insurance Cos. PFSBU also provides support to other verticals for vetting their large ticket term loan proposals. As on 31st March, , the portfolio of infrastructure projects under implementation and control with PFSBU include Power projects with aggregate capacity of 43, During FY, fund based and non-fund based exposure aggregating Rs.

The Group continues to partner in growth of its customers in India to expand their activities and provides them support for acquiring assets or companies overseas, including by way of loans to overseas subsidiaries and JVs backed by Letters of Comfort or Stand-by Letters of Credit. International Operations The International Operations of your Bank are guided by the overarching principle of supporting global Indian corporates and Indian diaspora spread across geographies.

In addition, your Bank also targets the local populace in line with its vision to become a truly International Bank. Global Presence The number of foreign offices of your Bank is currently Spread across 37 countries in all the continents, your Bank offices include 55 Branches, 20 other offices, 7 Representative Offices and additional offices of 8 Foreign Subsidiaries.

International Banking Group supports your Bank as well as its major stakeholders through its various business functions as detailed below: Merchant Banking Your Bank facilitates raising debt in Foreign Currency by Indian corporates by way of External Commercial Borrowings through syndicated deals in conjunction with other Indian and Foreign Banks, and also through bilateral arrangements. This is achieved through a range of loan products.

Introduction of Loan Lifecycle Management System across Foreign Offices for prompt monitoring and better control and supervision of loan accounts. In some countries with considerable Indian diaspora, your Bank also engages in retail banking activities for both Indian as well as local customers.

GTD formulates policies and innovates new products as per changing regulatory norms and market demands. GTD takes lead in introduction of new technologies to improve service quality in Trade Product offerings viz. State-of-the-art Trade Finance solution acquired during FY Pilot Country China and Maldives since implemented and a complete rollout across all countries expected by December Regulators Your Bank is committed to the policy of zero tolerance of non-compliance with regulatory guidelines in all its overseas operations.

Status of remediation is placed before the Audit Committee of the Board. Your Bank has adopted an Independent Risk Governance Structure covering domestic and international operations.

Country-wise and Bank-wise exposure limits are monitored and reviewed on regular basis. IT Initiatives As a truly Digital Bank, your Bank has taken a holistic approach to innovate processes to capture and convert data into a simple virtual organisation that appears ubiquitous to every customer, offering tailored products to the likes, needs and preferences.

The initiatives taken at Overseas Offices are: Your Bank completed its multicountry migration from Finacle 7. Bank implemented a predictive tool FinAssure covering all 24 geographies which monitors performance of all critical applications, networks and infrastructure to dynamically manage unforeseen peak loads. The much admired onlinesbi Internet banking solution extended to two more geographies viz.

Loyalty programme covering debit card usage and Remittance through INB was launched in Singapore to promote digital stickiness and cashless transactions. To provide best of security, comfort and confidence to customers, Bank replaced all magnetic stripe cards with EMV cum Magnetic Stripe Cards. Your Bank has initiated: Enterprise Project Management tool where every IT project is tracked. Bank level CRM solution to improve deep understanding of customer needs and behaviour, requiring very little remote support.

Big data analytics to help deliver products on customer preferences and tracking customer stickiness for successful customer retention. Bank has begun using Private Cloud selectively and has plan for Document Management Solution to capture its records digitally. Increasing NPAs adversely impacts the bottom line of banks.

Rising NPA levels and fresh slippages across sectors can be attributed to the following factors: Reduced market confidence due to the slowdown in the global economy; the negative spill overs from global financial markets; and the Less than adequate pick up in domestic growth and declining exports.

Stalling of projects due to infrastructure bottlenecks, delays in obtaining Govt. Cancellation of coal blocks and the limited off-take of power by Discoms Power Distribution Companies given their reducing purchasing capacity. Delay in realisation of receivables due to subdued demand. Delay in the resolution of NPAs through legal proceedings. The Loan resolution week LRW , a nationwide Bank Adalat was conducted over a period of one week in May and all over NPA borrowers were advised in writing well in advance to come for negotiated settlement.

Besides giving wide publicity through nationwide advertisement through print and social media, the event was internally monitored by setting-up war rooms at administrative offices.

Despite making concerted efforts to expedite recovery and reducing NPAs, your Bank often faces impediments in the form of legal hurdles, unavailability of strategic investors, lack of buyers for properties put up for auction, among others. For the various constraints, your Bank has approached the concerned authorities at appropriate levels and relevant forums like Gyan Sangam, IBA, among others. Despite these constraints, all actions initiated for resolution are constantly followed up and strategies are periodically reviewed for expeditious resolution of NPAs.

It enables effective management of existing and new legal cases, store contact details of Advocates, Valuers, Recovery Agents etc, and track expenses incurred on them. The monitoring through LMS system has ensured that all court hearings are attended by our officials, advocates and hearings outcome also gets recorded instantaneously.

It has been rolled out in all the SAM Branches and helps in generating dynamic MIS reports, monitoring the account right from inception, 3. Early Warning System EWS is a software that enables early identification of potential stressed accounts before they become delinquent so that timely action can be taken preventing their further deterioration 4. Electronic Document Management System EDMS is an electronic depository of important documents, transactions, audit trails, accounting reports, workflow processes, compliance documents, etc.

Early diagnosis of the problems and analysis of the reasons for irregularity, with appropriate strategies for time bound action to prevent slippage as NPA. Industry wise exposure limits have been set to diversify profile and minimize risk.

Loan portfolio is monitored on an ongoing basis. Improving Resolution of NPAs: Depending on the merits of the case, recourse to higher courts like High Court, Supreme Court, etc. Arranging Bank Adalat and actively participating in Lok Adalats for recovery. It also signals a strong intent of your Bank towards battling out the cases while making last mile recovery efforts.

Review of NPAs at various levels is done at regular intervals. BIFR cases are closely followed up. E-auction has been introduced for increased transparency and better price realisation. Sale to ARCs is also explored in select cases. Identifying and engaging with strategic investors for takeover of stressed assets. Entering into One-Time Settlements with borrowers. Using Resolution Agents to take possession of properties mortgaged to your Bank and arranging for their auction. Considering Debt Asset swaps in some cases.

Engaging investigation agencies to trace out unencumbered assets of promoters and guarantors and obtaining attachment before judgement over these properties. Publishing photographs of defaulters in newspapers where warranted. Persuading Large Corporate borrowers under stress to sell noncore assets, dilute their shareholding and bring in strategic investors thus reducing debt and improving viability.

Interest income increased Your Bank maintained its preeminent position in the forex segment, with profit from forex and derivatives growing above Unlike last year, the tailwind from falling yields was not available this year for the Bond portfolio. Benchmark 10 year G-Sec was trading at 7. It was only in the month of March that yields came down to close the year at 7.

Your Bank was still able to use the temporary dips to book profits in the interest rate portfolio recording an increase of To improve our portfolio yield and to benefit from the opportunities available in the Corporate Bonds and Commercial Paper markets, your Bank made timely investments in select papers during FY In the area of liquidity management, we continue to save costs through more efficient management of CRR compared to the industry average.

The equity portfolio faced significant headwinds this year as benchmark Nifty index was down nearly 8. But your Bank continued to beat the benchmark through well timed entry-exits through the year, recording a profit growth of 4. Further, in order to improve transparency and risk management, SBI has started placing our equity market trades through online trade routing system, which allows monitoring and execution of orders.

This system enables us to execute orders with minimum intervention from brokers which, in turn, helps in risk mitigation. The Global Markets Group provides foreign exchange solutions to customers for managing their currency flows and hedging risks through options, swaps and forwards. Foreign exchange and derivatives business continued to contribute handsomely to profits of your Bank, reporting a Apart from booking the rates for cash, spot and forwards, the platform also enables customers to view their entire hedging position with your Bank.

Our Regional Treasury Marketing Units provide the necessary marketing support to our Fixed Income and Foreign Exchange dealers through regular interactions with customers. This year, your Bank has formed a new Inter-Bank marketing team and has commenced dealing with a number of FPI clients to leverage our large debt portfolio and our strengths in the FX market.

Your Bank has also taken steps to increase the use of IT in its Treasury Marketing efforts through the implementation of an automated Lead Reporting and Management System. Jos avoimen lähdekoodin ohjelmiston käyttöoikeus vaatii, että jaamme ohjelmistoon tai palveluihin liittyvää lähdekoodia tai ohjelmistoon tai palveluun liittyviä muokkauksia, annamme lähdekoodin käytettäväksi pyydettäessä.

Tämä sopimus muodostaa koko sopimuksen meidän ja sinun välillä. Lisäksi se määrittää sen, miten saat käyttää tämän sopimuksen nojalla hankkimaasi ohjelmistoa ja hankkimiasi palveluita. Tämä sopimus korvaa kaikki aikaisemmat osapuolten väliset ohjelmistoon ja palveluihin liittyvät sopimukset sekä kaikki muut ohjelmistoon ja palveluihin liittyvät yhteydenpidot, esitykset tai mainokset.

Ohjelmiston käyttöoikeuden myöntää sinulle jokin näistä McAfeen oikeussubjekteista: Sopimuksen rajoitettujen takuiden myöntämien etujen lisäksi sinulla voi olla muita lakisääteisiä oikeuksia ja oikeussuojakeinoja tämän takuun alaisten tuotteiden tai palvelujen suhteen. Tuotteisiimme sisältyy takuu, jota ei voi jättää pois Australian Competition and Consumer Act Cth -lain "Australian kuluttajansuojalaki" 2. Sinulla on oikeus tuotteen vaihtoon tai takaisinmaksuun huomattavan virheen tapauksessa ja hyvitykseen minkä tahansa muun kohtuudella ennakoitavissa olleen menetyksen tai vahingon tapauksessa.

Sinulla on myös oikeus tuotteiden korjauttamiseen tai vaihtamiseen, jos tuotteiden laatu ei ole hyväksyttävä ja jos virhe ei ole huomattava. Tämän takuun myöntää McAfee Ireland Limited, jonka toimisto on osoitteessa Building City Gate, Mahon, Cork, Ireland, mutta voit esittää australialaisille asiakkaille myönnettyyn takuuseen liittyviä kysymyksiä soittamalla numeroon Tämän takuun perusteella tehtävät vaatimukset on lähetettävä omalla kustannuksellasi seuraavaan osoitteeseen: Mikäli aineellinen tietoväline, jolla ohjelmisto toimitettiin, on viallinen, Australiassa olevien asiakkaiden on palautettava viallinen tietoväline ja kopio ostokuitista meille omalla kustannuksellaan 14 päivän kuluessa vian havaitsemisesta.

Ilmoitamme vastaanotosta 14 päivän kuluessa vastaanottohetkestä. Euroopan unioni, Islanti, Norja ja Sveitsi. Alankomaissa olevien asiakkaiden kohdalla kaikki alkuperäisen tilauksen automaattiset uusimiset ovat toistaiseksi voimassa olevia ja niistä veloitetaan tilauksen ehtojen mukaisesti. Voit irtisanoa uusitun tilauksen milloin tahansa uusinnan jälkeen ottamalla yhteyttä asiakaspalveluun vähintään 30 päivää ennen haluttua lakkautusajankohtaa.

Tällöin annamme paikallisen lainsäädännön mukaisen hyvityksen. Jos et halua tilauksen automaattista uusintaa, se on poistettava käytöstä tilin asetuksista 30 päivää ennen alkuperäisen tilauksen päättymistä. Asiakaspalvelu ja tekninen tuki: With identity theft incidents hitting record-highs, now is the time to get the protection you need from a name you trust.

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Review your transaction documents to verify your coverage caps. By enrolling and using the credit, financial, cyber and other monitoring features you certify that you shall only use the features to monitor accounts and information associated with your personal information. While McAfee Identity Theft Protection provides you tools and resources to protect yourself from and recover from identity theft, no identity can be completely secure.

McAfee is not responsible for any loss or damages incurred as a result of identity theft. You must either have a qualifying free trial or a paid subscription with a participating partner, and you must be enrolled in automatic renewal turned on and your account must have a valid credit card, debit card, or other payment mechanism on file.

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Loss resulting from a stolen identity event occurring on or arising out of the use of the Internet. The occurrence must be during the term of the program. Stolen funds loss incurred by the subscriber as the direct result of an unauthorized electronic fund transfer. Varying limitations apply depending on your subscription. Review your transaction documents to verify your coverage.

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The subscriber shall not voluntarily assume or admit any liability, nor, except at said subscriber's own cost, voluntarily make any payment or incur any expense without our prior written consent, such consent not to be unreasonably withheld.

The subscriber shall keep books, receipts, bills, and other records in such manner that we can accurately determine the amount of any loss. At any time subsequent to the reporting of the loss to us, we may examine and audit the subscriber's books and records as they relate to a loss under the policy on record with the insurance company.

The above summation of our Identity Theft Reimbursement Coverage is designed to provide general information only. While every effort has been made to ensure that the information provided is accurate, this information is provided without any representation or warranty of any kind about its accuracy.

All descriptions of coverage are subject to the terms, conditions and exclusions of the individual policy on file with the insurance company. This policy is available upon request. We have included links to additional terms, such as our Privacy Notice which are important and together create this legal agreement that applies to you. If you do not agree to these Terms, including the mandatory arbitration provision and class action waiver in Section 12, you may not access or use the Home Network or the App.

McAfee reserves the right to change or modify these Terms at any time and in our sole discretion. You acknowledge that the Home Network Administrator may receive information about your use of the Home Network, including without limitation, your name, the type of Device you have, and the sites that you visit for example, the Home Network Administrator may receive a notification if you visit a website that has parental control restrictions enabled.

If you do not wish for the Home Network Administrator to receive this information, do not use the Home Network. Please review the Privacy Notice for additional information about how we collect, use, and disclose information about you. The Privacy Notice applies solely to our use of information about you.

Use of the App is permitted only by the Home Network Administrator. If you are not the Home Network Administrator, you have no right to use the App. By creating an Account, you agree to i provide accurate, current and complete Account information, ii maintain and promptly update, as necessary, your Account information, and iii maintain the security of your Account credentials.

You agree that we can rely on the instructions of the person that establishes the Account related to your Home Network. You are not permitted to let other individuals use your Account credentials. You understand that letting another individual control the Home Network through your Account may result in changes to your Platform configurations and permissions.

You acknowledge that McAfee has no responsibility to you with respect to the actions of such parties. As such, you are solely responsible for maintaining the confidentiality of your Account login information and for all activities that occur under your Account. As a specific condition of your access to the Home Network, you explicitly agree not to use the Home Network for any purpose that is unlawful or prohibited by these Terms.

Additionally, if you are a Home Network Administrator, you agree that you will not permit anyone else to access or use your Account. Wireless communications, including those sent over the Home Network, are not secure communications. McAfee is not responsible for the privacy of activity using the Home Network. For security purposes, activity on the Home Network may be monitored, but there is no obligation on McAfee to do so or to take any action even if it does.

Availability of the Platform. The Platform is subject to sporadic interruptions and failures for a variety of reasons beyond our control, including router failure, Wi-Fi intermittency, service provider or your mobile carrier uptime, viruses, bugs or other issues present in your router equipment, computer or other devices connected to your Home Network, and your App configurations, among others. You acknowledge these limitations and agree that McAfee is not responsible for any damages allegedly caused by the failure or delay of the Platform.

Additionally, you are solely responsible for any fees charged directly by such third parties in connection with your use of the Platform and for your compliance with all applicable agreements and policies provided by such third parties.

Updates may be automatically installed without providing any additional notice or receiving any additional consent from you. By accessing or using the Software, you consent to automatic Updates.

You further acknowledge that you may be required to install Updates to use the Software, and to promptly install any Update we provide. You acknowledge that all of the intellectual property rights, including without limitation copyrights, patents, trademarks, and trade secrets in the Platform and the App and in the underlying technology are owned by McAfee, its affiliates or its licensors.

All rights not expressly licensed are reserved. By submitting any Feedback, you agree that your submissions are voluntary, gratuitous, unsolicited, and without restriction, and will not place McAfee under any fiduciary or other obligation.

You acknowledge that McAfee may use, copy, modify, publish, or redistribute your submissions for any purpose without any compensation to you. You further agree that McAfee does not waive any rights to use similar or related ideas previously known to McAfee, whether developed by its employees or obtained from other sources.

We are pleased to grant you a nonexclusive, revocable, non-assignable, non-sublicensable, limited license to use the Platform and the App for personal use only and in accordance with these Terms and all applicable laws and regulations. The Platform is intended to be used only on the router on which it is pre-installed, and the App is intended to be used only on a supported mobile device owned by you.

Unless explicitly stated by us, nothing in these Terms shall be construed as conferring any right or license to any patent, copyright, trademark, or other proprietary right of McAfee or any third party, whether by estoppel, implication or otherwise.

This license is nontransferable and is revocable by us in the event you violate this Agreement. Upon any termination of this license, you must immediately cease all use of the Platform and App. Except for the limited warranty below, McAfee disclaims any and all other warranties, and any and all responsibility for any loss, injury, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to a any errors in or omissions on or from the Home Network or App, including but not limited to technical inaccuracies and typographical errors, b any third party websites or content therein directly or indirectly accessed through links on the Home Network or App, including but not limited to any errors in or omissions contained therein, c the unavailability of the Home Network or App, d your use of the Home Network or App, e your use of any equipment or software in connection with the Home Network or App, or f information you might access or encounter or any activity that results from your access, encounter or activity on the internet.

We are not responsible for examining or evaluating, and do not warrant the offerings of, any of these businesses or individuals or the content of their websites. McAfee does not assume any responsibility or liability for the actions, products, or website contents of any third parties. You should carefully review their privacy statements and other conditions of use. McAfee makes no warranties or representations, and expressly disclaims any and all warranties, including but not limited to the implied warranties of design, merchantability, fitness for a particular purpose, and title, any warranties arising from a course of dealing, usage, or trade practice, and any warranties of non-infringement of any third party's patent s , trade secret s , copyright s or other intellectual property rights.

McAfee will not be liable for any damages including direct, indirect, incidental, consequential, special or punitive. McAfee does not warrant that the operation of the Home Network or App will be uninterrupted or error-free. No oral or written information given by McAfee or an authorized representative of McAfee shall create any warranty.

In addition, McAfee does not represent or warrant that the Platform, Home Network, and App are accurate, complete, reliable, current or error-free, or that the content or websites that you or users of your Home Network request, receive, or visit will be safe, legal, acceptable, or appropriate for a particular age.

While McAfee attempts to make your access to and use of the Platform, Home Network, and App safe, we cannot and do not represent or warrant that the Platform, Home Network, or App, or our servers are free of viruses or other harmful components. You assume the entire risk as to the quality and performance of the Platform, Home Network, and App. You acknowledge that some security breaches involve attacks on data. For example, there are viruses and other malware that: That way, you have another copy of the data in the event that the attacking software has deleted, modified, or destroyed the data.

It is your sole and exclusive responsibility to back-up all data and files on your device so that they can be restored in the event of an attack on your data. McAfee is not liable for loss of or recovery of data, or for files or loss of use of systems or networks arising from attacks on data.

We warrant that the Platform will perform substantially in accordance with the product description provided at McAfee. If you are dissatisfied with any portion of the Platform or the App, or with any of these Terms, your sole and exclusive remedy is to discontinue using the Home Network. Under no circumstances are we or our suppliers, licensors or other third-party service providers liable to you for any: Nothing in these Terms limits any rights you may have under existing consumer-protection statutes or other applicable laws that may not be waived by contract in your jurisdiction.

You further agree that McAfee Parties shall have control of the defense or settlement of any third party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and McAfee. Agreement to Arbitrate Disputes. This agreement to arbitrate also includes: You and we agree that no class action, consolidated action, private attorney general or other representative claims may be pursued in arbitration, nor may such actions be pursued in court.

By accepting this arbitration agreement, you agree to waive the right to initiate or participate in a class action, representative action, private attorney general action or consolidated arbitration in any matter encompassed by this arbitration provision.

The party seeking arbitration must first notify the other party of the dispute in writing at least 60 days in advance of initiating arbitration. The notice must include your name, address, and contact information, the facts giving rise to the dispute, and the relief requested. You and McAfee will attempt to resolve any dispute through informal negotiation within 60 days from the date of the Notice of Dispute is sent. After 60 days, you or we may commence arbitration.

You are giving up the right to litigate or participate as a party or class member in all disputes in court before a judge or jury. Instead, all disputes will be resolved on an individual basis before a single, neutral arbitrator and the proceeding shall be confidential.

For more information, see adr. All arbitration proceedings shall be conducted in English, and the United States FAA shall govern the interpretation, enforcement, and proceedings pursuant to the binding arbitration clause in these Terms. The award shall be confidential and only disclosed as is necessary to obtain judgment or as otherwise required by law.

You and we further agree that a judgment may be entered upon the award by any court having jurisdiction. The arbitration award shall determine the rights and obligations between the named parties only, and only in respect of the claims in arbitration, and shall not have any bearing on the rights and obligations of any other dispute. The party initiating the arbitration shall pay the initial filing fee. If you file the arbitration and an award is rendered in your favor, we will reimburse your filing fee.

We will pay the fees and costs for the first day of any hearing. All other fees and costs will be allocated in accordance with the arbitration rules. However, we will advance or reimburse filing and other fees if the arbitrator rules that you cannot afford to pay them or if you ask us and we determine there is a good reason for doing so.

Each party shall bear the expense of their respective attorneys, experts, witnesses, and other expenses, regardless of who prevails, but a party may recover any or all expenses from another party if the arbitrator, applying applicable law, so determines. Right to Resort to Provisional Remedies Preserved. Nothing herein shall be deemed to limit or constrain our right to resort to self-help remedies or to comply with legal process, or to obtain provisional remedies such as injunctive relief, attachment, or garnishment by a court having appropriate jurisdiction; provided, however, that you or we may elect to arbitrate any dispute related to such provisional remedies.

In the event of a conflict between the Arbitration Rules and this arbitration agreement, this arbitration agreement shall govern. If any portion of this arbitration agreement is deemed invalid or unenforceable, it shall not invalidate the other provisions of the arbitration agreement, provided, however, that a if the prohibition on classwide arbitration is deemed invalid, then this entire arbitration agreement shall be null and void; and b if the prohibition on arbitration of representative claims brought in a private attorney general capacity is deemed invalid, then the arbitration agreement shall be null and void as to such claims only.

This arbitration agreement shall survive the termination or cancellation of these Terms. In the event of a conflict between this arbitration agreement and any other applicable arbitration provision, this arbitration agreement shall control. Waiver of Jury Trial. If for any reason a claim proceeds in court rather than through arbitration, you and McAfee agree that there will not be a jury trial. You and McAfee unconditionally waive any right to trial by jury in any dispute that in any way relates to or arises out of these Terms or from any services you receive from us or from any advertising for any such services.

In the event of litigation, this paragraph may be filed to show a written consent to a trial by the court. Except as provided in Section 18 below, these Terms, your access to and use of the Home Network, the relationship of the parties, and any disputes arising out of, concerning, or relating to the Terms, including any disputes between you and McAfee, will be governed by and construed in accordance with the laws of the State of New York, excluding its conflict of law principles, except that the FAA governs all provisions relating to arbitration.

If for any reason, the laws of the State of New York are found not to apply, then these Terms, the use of the Platform, the relationship of the parties, and any disputes arising out of, concerning, or relating to these Terms, including any disputes between you and McAfee, will be governed by and construed in accordance with the laws of the State of Delaware, excluding its conflict of law principles, except that the FAA governs all provisions relating to arbitration.

Upon termination of these Terms, your right to use the Home Network and App will automatically terminate. If any provision or part of a provision of these Terms is unlawful, void or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. These Terms constitute the entire agreement between you and McAfee relating to your access to and use of the Home Network and, if you are the Home Network Administrator, your access to and use of the App.

The failure of McAfee to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision.

The section titles in these Terms are for convenience only and have no legal or contractual effect. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third party beneficiary rights upon any other person or entity.

The Platform is licensed to you by one of these legal entities: The subsections below contain information regarding the local laws of certain jurisdictions that will apply to this Agreement and may supersede certain provisions as referenced herein. Australia — For consumers in Australia: The benefits to you under the limited warranty in Section 9 of this Agreement are in addition to other rights and remedies of you may have under a law in relation to the goods or services to which the warranty relates.

You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

This warranty is made by McAfee Ireland Limited, with offices located at Building City Gate, Mahon, Cork, Ireland, but you may call with questions regarding our warranty for Australian customers. Any claims made under this warranty must be sent, at your expense, to the following address: For customers located in Australia, if a tangible medium on which software was delivered is defective, you must return the defective medium to us at your expense, with a copy of your receipt, within 14 days of discovering the defect.

We will notify you of receipt within 14 days of receiving it. The disclaimers in Section 9 do not apply to you to the extent that Australian law does not allow the exclusion or limitation of any applicable statutory guarantees, express or implied warranties, conditions, representations or terms.

In that case, the express or implied warranties are limited to the maximum extent permitted by applicable law. The limitations on liability set forth in Section 10 do not apply to consumers in Australia. Nothing in this agreement limits any rights you may have under existing consumer-protection statutes or other applicable laws, including Australian consumer law, that may not be waived by contract in your jurisdiction.

Canada — If you downloaded the App in Canada, unless expressly prohibited by local law, then these Terms, the use of the Home Network and App, the relationship of the parties, and any disputes arising out of, concerning, or relating to these Terms, including any disputes between you and us, will be governed by and construed in accordance with the laws in force in the Province of Ontario, Canada.

Japan — If you downloaded the App in Japan, then these Terms, the use of the Home Network and App, the relationship of the parties, and any disputes arising out of, concerning, or relating to these Terms, including any disputes between you and us, will be governed by and construed in accordance with Japanese law without regard to its choice-of-law rules. Notwithstanding any terms to the contrary in these Terms, the following additional terms will apply to the download of the App for use on the iPhone, iPod Touch or iPad: You acknowledge and agree that the availability of the App is dependent on the third party from which you received the App, e.

You agree to pay all fees charged by the App Store in connection with the App if any. You further acknowledge that the usage rules for the App are subject to any additional restrictions set forth in the Usage Rules for the Apple App Store Terms of Software " Apple Usage Rules " as of the date you download the App.

In the event of any conflict between the terms and conditions of the Apple Usage Rules and the terms and conditions of these Terms, the terms and conditions of the Apple Usage Rules will govern if they are more restrictive. The license granted to you is limited to a non-transferable license to use the App on any iPhone, iPod Touch or iPad that you own or control as permitted by the Apple Usage Rules.

McAfee is solely responsible for providing maintenance and support services with respect to the App. You acknowledge and agree that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.

You acknowledge and agree that Apple is not responsible for any product warranties, whether express or implied by law, with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, paid to Apple for the App by you, and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App.

You also acknowledge and agree that to the extent that there are any applicable warranties, or any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any such applicable warranty, such will be the sole responsibility of McAfee. However, you understand and agree that, in accordance with these Terms, McAfee has disclaimed all warranties of any kind with respect to the App, and therefore, there are no warranties applicable to the App, except those implied by law.

You represent and warrant that a you are not located in a country that is subject to a U. Government embargo, or that has been designated by the U. Government as a "terrorist supporting" country, and b you are not listed on any U. Government list of prohibited or restricted parties. Developer Name and Address. Any end-user questions, complaints or claims with respect to the App should be directed to: However, the right of McAfee to terminate, rescind, or make any change to these Terms is not subject to the consent of any other person.

This is a legal agreement between us—installing or accessing our software or using our Services means you are agreeing to these terms, so please read them carefully. If you are accepting these terms on behalf of another person or company or other legal entity, you represent and warrant that you have full authority to bind that person, company or legal entity to these terms. If you are under the age of 18, you are not permitted to use the Service or provide your personal information to us without the consent of your parent or guardian who must first accept this Agreement and obtain the Service on your behalf.

If you do not unconditionally agree to all of these terms, do not use the Services or install, use or access our software. For example, we may need to reflect changes in the law or updates in how the Services are provided. It is very important that you keep your account information current, including your email address and other contact information. If we make material changes to this Agreement, we will communicate the changes to you via the contact information you provided or through other means and give you an opportunity to review and accept or reject the updated Agreement as set out below.

For paid subscriptions, you accept change s to this Agreement by renewing the subscription, and the change s will be effective upon the next renewal of your subscription. If you do not agree to the Agreement as amended, then you reject the Agreement by turning off auto renewal and ceasing all use of the Service.

If you violate this Agreement, we may terminate your access to and use of Services. For free Services, you accept change s to this Agreement by continuing to use the free Services after the notice described in this section.

If you reject the updated Agreement, your right to use the free Services is terminated and you must cease all access to and use of the free Services.

If you violate this Agreement, we may terminate your access to and use of the free Services. The Service Agent will undertake reasonable efforts to complete the Service during your interactive session. You will have seven days after the session concludes to contact us for additional assistance for the same issue before we consider the Service Ticket fulfilled and closed. Additional limitations may apply depending on the specific terms of the offer as set forth in Section 6. The Services are not transferable.

You may not sell, lease, license, rent, loan, resell or otherwise transfer, with or without consideration, the Services, without our written approval in advance. You may not permit third parties to benefit from the use or functionality of the Services via a timesharing, service bureau or other arrangement on behalf of any other third party or with respect to any hardware or software not personally owned by you.

This Agreement shall apply to any other Services whether or not listed in the chart above, if there is no other applicable terms of service. To receive the Services, a high speed internet connection is highly recommended and may be required.

You agree that you are a legal license holder of the software on your Device and your use of the Services and the Internet is solely at your own risk. To receive the Services, you must agree to:

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