Term & Conditions

Applicable Terms. Thank you for using ANB Safe.

Please read each of these Terms carefully, starting with the Universal Terms as they contain important information about your legal rights, remedies and obligations. These Combined ANB Safe Terms constitute a legally binding agreement between you and ANB Safe governing your access to and use of the ANB Safe Services (as herein defined).

Use of ANB Safe. You also understand and hereby agree that ANB Safe reserves the right to use the services of its Group Companies (as herein defined) to provide any of the ANB Safe Services to you, on behalf of ANB Safe.

You further understand and agree that ANB Safe reserves the right to update any of these ANB Safe Terms from time to time. You must ensure that you keep yourself up-to-date and read the ANB Safe Terms at close intervals.

By accepting the Combined ANB Safe Terms, you represent and warrant the following:

  • You are capable of entering into a legally binding agreement; and
  • You are not barred or otherwise legally prohibited from accessing or using ANB safe under the laws of India.

Third Party Terms and Conditions. ANB may facilitate provision of third party products or services to you within ANB Safe. In order to use these third party products or services, you may need to accept additional terms and conditions and meet additional requirements.

Definitions

Definitions appearing in this ANB Safe Terms:

"Applicable Law" means all applicable laws, rules, regulations, guidelines, statutory or government notifications including Reserve Bank of India regulations and Payment Participant Rules.

"Biller" means a biller, including Prepaid Service Providers supported by ANB Safe for Bill Payment Services either through a biller aggregator or a BBPOU, to whom a User can initiate bill payment on ANB Safe.

"Bill Payment Services" means the facility provided to Users on ANB Safe to view bills or pre-paid plans and make payments to Billers and receive other ancillary services.

"Credit Institutions" means banks, non-banking financial institutions and other credit providers that have the requisite permissions from the applicable regulatory authorities to provide advances and loans to users.

"Funding Account" means a credit card, bank account (through debit card or netbanking), BHIM UPI account or pre-paid payment instrument (such as cash card or e-wallet) that is registered or used by the User to fund Payment Transactions.

"Merchant" means a person or entity who/which (i) avails the ANB Safe for Business Program; or (ii) provides ANB Safe as a payment option to its customers through a Payment Participant; or (iii) uses ANB Safe to collect payments from its customers for goods and services purchased from a merchant either offline or through any online platforms.

"NPCI" means the National Payments Corporation of India.

"Payment Instrument" means, including but not limited to, a credit card, debit card, bank account, or prepaid payment instrument, including e-wallets and gift cards issued under Applicable Law, that is eligible for use by a User to fund Payment Transactions or a Recipient to receive payments.

"Payments System" shall have the meaning ascribed to it under the provisions of Applicable Law.

"Payment Participants" shall mean all the parties involved in the payment system including but not limited to payment/bill aggregators, Payments System Providers, acquiring banks, partner banks, the issuer of the Sender’s Funding Account, the issuer bank of the Recipient bank account, the issuer of the Payment Instruments, card associations, NPCI, Reserve Bank of India, etc.

"Payments System Providers" means banks, financial institutions, card associations, and other payment system providers (as defined under the Payment and Settlement Systems Act, 2007), with whom ANB has entered into an arrangement to facilitate Payment Transactions (as defined below) using Payments System Provider Services.

"Payments System Provider Services" means payment gateway system/interface/services provided to route payment instructions to Payments Participants for, that is, BHIM UPI based Transactions and provide authentication and authorization from issuers, card associations, NPCI and/or other third party clearinghouses; and/or (v) provide settlement facilities in respect of payment instructions initiated by the User.

"Recipient" means a User, Merchant, Biller or third party who receives a payment from the Sender.

"Sender" means a User who uses the ANB Safe Services to send a payment to a Recipient.

"Transaction" or "Payment Transaction" means (i) the payment request made by the User for withdrawing payments.

"UPI" means the Unified Payment Interface.

"UPI Transaction Data" means the individual UPI transaction data i.e. data in clear text format.

"User" means a person who registers for ANB Safe Service(s) to send or receive payments.

"We", "we" or "us" means ANB Safe.

"You", "you", or "your" means a User.

Scope of ANB Safe Services

ANB Safe is a payment solution application which facilitates ANB Safe Service. Through ANB Safe, you may send payments to service providers, Users, Merchants, Billers or third parties using any Payment Instruments accepted through ANB Safe. You may also receive payments from other Users or third parties in the Payment Instrument you designated in ANB Safe to receive funds. In addition, ANB Safe allows you to communicate with or receive communications, offers and services from other Users, service providers, Banks, Merchants and Billers.

ANB Safe may facilitate provision of third party products or services to you within ANB Safe. These third party products or services are offered by parties other than ANB, and are subject to third party terms. You may need to accept additional terms and conditions and meet additional requirements to use these third party services. You should only transact with a third party product or service that you trust. ANB Safe will not be responsible or liable to you for any loss incurred by you as a result of your interaction with a third party product or service on ANB Safe.

Mechanics of Payment Transaction. The Payment Transactions or any communication/offers carried out through ANB Safe are solely between the Sender and Recipient of the payment. ANB Safe creates a link between the Sender, the Recipient and the respective Payments System Providers to facilitate sending and/or receiving payments using Payments System Provider Services. Once a Payment Transaction has been authenticated, authorised and processed through the Payments System Provider Services:

(i) the payment may be settled directly with the Recipient by the respective Payments Participants; or

(ii) in certain scenarios, we may act as an intermediary and receive funds pertaining to the Payment Transaction on behalf of the Recipient. In such scenarios, ANB would operate purely as the Recipient’s payment collection agent for the limited purpose of accepting funds from Users.

ANB Safe’s Role in Payment Transactions. You understand and agree to the following:

  • ANB Safe is only a facilitator of Payment Transactions.
  • ANB Safe is not a party to these Payment Transactions.
  • ANB Safe is not a Payments System Provider.
  • ANB Safe is not and will not be responsible for any aspect of the products or services you purchase.
  • ANB Safe is not and will not be responsible for any communications made by you or any communication or offers made to you through ANB Safe.
  • ANB Safe is not a party to and will not be responsible for any disputes, chargebacks or reversals arising pursuant to Payment Transactions.
  • ANB Safe is not responsible for any act of Users, including, non-completion of a Transaction.
  • The facilitation of a Transaction does not guarantee that the Sender has sufficient funds available in the Funding Account he or she used, that the Transaction will be authorized or processed, or that the Transaction will not later result in a chargeback or other reversal.
  • ANB Safe is neither acting as a trustee nor acting in a fiduciary capacity with respect to any Payment Transaction.
  • ANB Safe not determine, advise or in any manner control the commercial terms of the Payment Transaction, including the price of products and services offered for sale.

Disclaimer of ANB Safe’s Liability. ANB Safe is not responsible for any aspect of the products or services you purchase or for any communications or offers made to you. ANB Safe’s role as a payment collection agent for the Recipient will not make ANB Safe liable or responsible for breach of representations and warranties, non-provision of after-sales or warranty services or fraud vis-a-vis the products and/or services sold by a Merchant.

Bill Payment Services. ANB Safe facilitates bill payment services that allow You to view Your bills or eligible pre-paid plans and make payments to Billers through the ANB Safe App. You understand that the Bill Payment Services provided through ANB Safe are either provided (i) by a Bharat Bill Payment Operating Unit ("BBPOU") under the Bharat Bill Payment System ("BBPS") infrastructure, where the Biller is registered with NPCI to participate within BBPS; or (ii) by a Biller aggregator with whom ANB Safe has entered into a contractual arrangement. You further understand that ANB Safe only facilitates bill presentment and bill payment and is either (i) an agent of the BBPOU in accordance with Applicable Law, where the Biller is registered with NPCI for BBPS; or (ii) a bill payment facilitator.

Loan Facility Services. ANB Safe provides a technology platform for display of Loan Facility offers from Credit Institutions to the Credit Institution’s customers. You understand and agree that the terms of such Loan Facility shall be governed by the loan agreements executed between You and the Credit Institution. ANB Safe is not a party to such loan agreements and ANB Safe’s role in such transactions shall be limited to that of an intermediary technology platform.

Your Use of ANB Safe

Basic Use Requirements. You will need a mobile, internet or any other supported device ("Device") that meets certain system and compatibility requirements, which may change from time to time to use ANB Safe. Your ability to use ANB Safe and the performance of ANB Safe App may be affected by these factors. You agree that you are responsible for such requirements, including any applicable changes, updates, fees and all other terms provided under your agreement with your mobile device and telecommunications provider. ANB Safe will not be responsible for any lapse of security or failed Transactions due to your internet or Device service provider.

Updates. You may need to install updates to your ANB Safe App or related ANB Safe software that ANB Safe introduces from time to time to access, use, or continue to use ANB Safe Services. Your ANB Safe App may communicate with ANB Safe servers from time to time to check for available updates to ANB Safe, such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, "Updates"). Your use of ANB Safe requires that you have agreed to receive such automatically requested Updates. If you do not agree to such automatically requested and received Updates, then please do not use the ANB Safe App. Notwithstanding the foregoing, ANB Safe may update the ANB Safe App to a new version of such app, irrespective of any update settings that you may have selected within the ANB Safe App or your device, if ANB Safe determines that the update will fix a critical security vulnerability related to the ANB Safe App.

Setting Up ANB Safe Services

You must have a ANB Safe Account to use ANB Safe. If you do not already have a ANB Safe Account, you can register for one on ANB Safe. When you login to your ANB Safe Account on ANB Safe, your ANB Safe Services will be activated, subject to you accepting these Combined ANB Safe Terms. If you disable your ANB Safe account, all related accounts, including your ANB Safe account will be suspended. You can seek restoration of the ANB Safe Account, which will also restore your access to your ANB Safe Account. It is possible that as a result of disabling the ANB Safe Account by you, some account specific data may be lost or purged and may not be retrievable. You agree and accept that ANB Safe is not responsible for the loss of data or any other damage suffered by you as a result of the closure of the ANB Safe account by you and its subsequent restoration.

During the login/registration process or anytime thereafter, you may be asked to provide information such as your name, phone number, Payment Instrument information (including, but not limited to, your bank name and bank account number, credit card/debit card details, if applicable), date of birth, and/or other registration information. We may verify your registration information with a Payment Participant, service provider, and/or Third Party Provider, as defined below. In some cases, we may ask you to send us additional information/documentation or to answer additional questions (before or after your ANB Safe Account on ANB Safe has been activated) to help us verify your identity or the accuracy of the information you provided. The provision and use of such data is subject to the ANB Safe Privacy Policy, as described more fully in Section 14 below. We may deny your use of the ANB Safe Services, if we are unable to verify that the accuracy or completeness of the information and documentation you provided or we determine that you are not eligible to use ANB Safe, pursuant to the Combined ANB Safe Terms or the Payment Participant Rules.

Setting up BHIM UPI Services. If you desire to use BHIM UPI to send or receive payments, you may use ANB Safe to register with a BHIM UPI Payments System Provider partnered with ANB Safe and create your BHIM UPI user credentials, such as your BHIM UPI ID (virtual payment address) and/or BHIM UPI PIN (MPIN) linked. Once you have registered for BHIM UPI services, you can send payments from your bank account or receive payments into your bank account using BHIM UPI through ANB Safe.

Setting up Bill Payment Services. To use the Bill Payment Services, You may be required to provide us with your bill account information for Billers with whom You would like to make payments (such as your customer account number, registered phone number or customer ID) and any other information necessary for us to access Your account and bill/plan details with such Billers ("Bill Payment Account Information"). By using the Bill Payment Services, You expressly authorize ANB Safe to access, use and store Your Bill Payment Account Information and bill details on an ongoing basis, on Your behalf for the purpose of providing Bill Payment Services to You.

If you use the Bill Payment Services to provide Bill Payment Account Information, to fetch bill details, or make payments on behalf of a third party, including for mobile recharges/top ups, it is your responsibility to ensure that you have the consent of such third party. You agree that you have all necessary rights and permissions to allow ANB Safe to use third party Bill Payment Account Information on an ongoing basis and access the bill details from the respective Biller, on behalf of the third party for the purpose of ANB Safe providing Bill Payment Services. You agree that as between ANB Safe and you, any claim raised by the third party will solely lie against you.

Accuracy of Information. You understand and agree that you are responsible for the accuracy of the information you provide for fetching a bill and/or making a payment request, including the Bill Payment Account Information and the amount of the Transaction.

Payment Participants and Third Party Providers

Communications with Payment Participants. By electing to use ANB Safe, you authorize ANB Safe to communicate with Payment Participants or any Third Party Provider or service provider to provide or obtain any information, including your personal information, for the purpose of processing Transaction or providing ANB Safe Services or for risk management and fraud assessment purposes. You understand that ANB Safe may also share any message that you send other Users, Merchants, Billers, at the time of requesting or making a Payment Transaction with the Payment Participants as may be required by and in accordance with Applicable Laws.

Compliance with Payment Participants’ Rules. As you will be using Payment Participants’ services to process your payment instructions, you consent and agree to comply with the rules, guidelines, directions, instructions, requests, etc. issued by the respective Payment Participants from time to time ("Payment Participant Rules"). You acknowledge and agree that You are responsible for keeping yourself up-to-date and complying with all such Payment Participant Rules. If You fail to comply with the obligations imposed on You by ANB Safe or the Payment Participants, we may suspend or terminate your ANB Safe Account on ANB Safe. For the avoidance of doubt, the Payment Participant Rules are between you and the respective Payment Participant. ANB Safe is not liable for any actions or inactions of such Payment Participants.

ANB Safe’s Use of Third Party Providers. In addition, ANB Safe may have arranged for third party providers to provide products or services to you through ANB Safe ("Third Party Providers"). In order to use these products or services, you may be required to agree to additional terms and conditions from such Third Party Providers, and may be subject to additional requirements of the Third Party Provider. By agreeing to these Combined ANB Safe Terms or continuing to use ANB Safe Services, you hereby agree to any Third Party Provider terms that apply to your use of such products and services through ANB Safe, which may be updated from time to time. For the avoidance of doubt, the Third Party Provider terms are between you and the applicable Third Party Provider, not ANB Safe. ANB Safe is not liable for any actions or inactions of such Third Party Providers.

Transactions using ANB Safe Services

Limitations on the Use of the ANB Safe Service. We or Payment Participants may establish general practices and limits concerning the use of ANB Safe. We reserve the right to change, suspend or discontinue any aspect of ANB Safe at any time, including hours of operation or availability of ANB Safe Services or any ANB Safe Service feature, without notice and without liability. We also reserve the right to impose limits on certain features or restrict access to parts or all of the service without notice and without liability. We may decline to process any Payment Transaction without prior notice to Sender or Recipient. We also reserve the right to automatically block any communication received by a User from a non-ANB Safe account, including any payment requests, that we deem to be spam or a fraudulent communication.

We do not warrant that the functions contained in ANB Safe will be uninterrupted or error free, and we shall not be responsible for any Service interruptions (including, but not limited to, power outages, system failures or other interruptions that may affect the receipt, processing, acceptance, completion or settlement of Payment Transactions).

Transaction Limits. Each Transaction is subject to minimum and maximum Transaction limits that may be set by ANB Safe, a User, the Payment Participants or as may be prescribed under the provisions of Applicable Law. In addition, ANB Safe and the Payment Participants may also reject/suspend Transactions (in whole or in part) on your ANB Safe Account on ANB Safe based on their respective policies and assessment.

Transaction Records. Records of your Transactions will be reflected in your conversation history and Transaction history in your ANB Safe App. You are responsible for reviewing your Transaction activity to determine if there are any errors or unauthorised Transactions, and for alerting ANB Safe of such event, in accordance with the Combined ANB Safe Terms.

Permissible Transactions. You may only use ANB Safe Services to process a Transaction to make payment for legitimate and bona fide purposes including purchase of goods and services. You may not use ANB Safe Service to process Payment Transactions in connection with the sale or exchange of any illegal goods or services or any other underlying illegal Transaction.

You agree that you will not use the ANB Safe Service to process Transactions that violate the Combined ANB Safe Terms, Payment Participant Rules, Applicable Law or other policies or rules applicable to ANB Safe Services. You should review the ANB Safe Policies to understand the rights and obligations that you may have with respect to your ANB Safe Transactions. The ANB Safe Policies establish the purposes for which ANB Safe Services may not be used to make or receive payments. Failure to comply with the ANB Safe Policies and the restrictions thereunder may result in rejection of your Transaction or suspension or termination of your use of ANB Safe Service.

Bill Payment on ANB Safe

Bill Presentment. Once you register a Biller on your ANB Safe App, You may be able to view your current and future bill details or eligible recharge plans or statement from that Biller as and when they are available. Ensure that you check your bill details carefully prior to making any payments. In case of any discrepancies, please contact Your Biller.

Scheduling your Bill Payments. Payment realisation time will vary depending upon the Biller you select. When ANB Safe receives a payment instruction from you, you authorize us to send instructions to Payments System Providers to debit your Funding Account and remit payment to the said Biller on your behalf. Payments are subject to the policies and procedures of such Billers and Payment Participants. We are not liable for (i) delays in payment realisation by the Biller; (ii) delay, failure or reversal of Transactions; or (iii) your failure to schedule payment dates in a timely manner. You are responsible for any consequences resulting from late payment including the levy of a late fee charge or any other penalty by such Biller.

Bill Reminders. In addition to your own records of bill payment requirements, ANB Safe may also send you reminders to pay your bill. This will help you schedule your bill payments in time.

Payment History. You may access information about your bill payment requests through the ANB Safe App. You should always verify and confirm Your bill payment requests against any statements or payment records provided by the Biller.

Prepaid Recharges. ANB Safe facilitates the recharge of Your prepaid mobile, data or other accounts. The actual mobile, data or any other service service is provided by the prepaid service providers like telecommunications service provider whose account You hold ("Prepaid Service Providers"), or by their distributors and aggregators and not by ANB Safe. You hereby agree that You will be solely responsible for selecting an appropriate plan as may be offered by the Prepaid Service Providers, and for compliance with its terms. You understand that the plans provided on ANB Safe are for reference purposes only. The plans may not be up-to-date and may have changed. You must check with your Prepaid Service Provider for the latest plans and details prior to making a transaction.

Ad-hoc Bill Payments. You may also choose to enter an ad-hoc amount for bill payment or recharging, however acceptance of it will be solely at the discretion of the Biller. You are responsible for the accuracy of the details entered by You to make a payment or recharge your account. You further agree that ANB Safe will not be liable for any failure on the part of any Biller in effecting a recharge or other bill payment or for any issue related to the quality of service provided by the Biller, and any dispute relating to the same shall be resolved directly between you and the Biller.

Refunds. Refund of payment amount for bill payment including mobile recharge or for any payment debited from your account for which the bill payment or recharge is not delivered, will be solely as per the terms or policies of the Biller, and you agree that ANB Safe will not be responsible for the same.

ANB Safe Offers. Your participation in ANB Safe offers is subject to the General ANB Safe Offers Terms.

Merchant/Biller Offers. Offers provided to you by Merchants or Billers on ANB Safe are between you and the Merchant or Biller, ANB Safe is not responsible for the content of such Offers or for the fulfilment of such offers.

Refunds, Chargebacks, and Disputes

Refunds and Chargebacks. Except as set forth in these Combined ANB Safe Terms, all Transactions processed through the ANB Safe Services are non-refundable to the Sender by ANB Safe and are non-reversible by the Sender through the ANB Safe Services. You may have additional refund or chargeback rights under your Payment Instrument issuer agreement or under applicable regulations. You should review the statements you receive from the issuer of your Payment Instrument which should reflect all Transactions through the ANB Safe Services.

In the event that the Sender’s Payment Instrument issuer requests a chargeback for a Transaction, ANB Safe reserves the right to reverse the Transaction amount. ANB Safe further retains the rights to set-off any chargeback amount from subsequent payments to be transferred to the Recipient.

Disputes. You understand that a payment Transaction is solely between the Sender and the Recipient and ANB Safe does not provide any guarantees or warranties with respect to any User, Biller, Merchant, third party or any service, good or delivery level commitment provided by such User, Biller, Merchant or third party. Use of ANB Safe Services in no way represents any endorsement by ANB Safe of any User, Biller, Merchant or third party. You should ensure that you have undertaken adequate due diligence prior to transferring payments to anyone using ANB Safe Services. Any dispute is between the Sender and Recipient without making ANB Safe and/or the Payments System Providers, a party to such disputes.

In addition, if you choose to use your BHIM UPI credentials created through ANB Safe to send payments to a merchant or third party who is not using ANB Safe Services for the purpose of processing and/or settlement of funds, ANB Safe’s role will be limited to providing the payment instructions to the Payments System Provider. ANB Safe will neither be responsible for the processing or settlement of the Transaction nor for any delivery or service fulfilment, provided ANB Safe may, in certain circumstances, act as a payment collection agent for the Recipient for the limited purpose of receiving funds on the Recipient’s behalf. It is your responsibility to ensure that the correct information has been provided by you or that you have selected the correct Recipient.

ANB Safe is not obligated to mediate disputes between Senders and Recipients or between the Sender/Recipient and the Payment Participants. However, ANB Safe will assist Users in communicating with each other regarding a dispute or in sending the User’s complaint to the respective Payment Participant, if required under Applicable Laws or Payment Participant Rules. In the event of any complaints regarding ANB Safe Services, please contact ANB Safe and we will work with you to resolve it, where possible.

Waiver and Release. You agree to release ANB Safe and Group Companies, and their agents, contractors, officers and employees, from all claims, demands and damages (actual and consequential) arising out of or in any way connected with a dispute. You agree that you will not involve ANB Safe in any litigation or other dispute arising out of or related to any transaction, agreement, or arrangement with any Recipient, Sender, advertiser or other third party in connection with the ANB Safe Service. If you attempt to do so, (i) you shall pay all costs and attorneys' fees of ANB Safe, and Group Companies and shall provide indemnification as set forth below, and (ii) the jurisdiction for any such litigation or dispute shall be limited as set forth below. However, nothing in these Combined ANB Safe Terms shall constitute a waiver of any rights, claims or defenses that you may have with respect to a Payment Transaction under the respective Payment Participants Rules or Applicable Laws.

Fraud or Unauthorized Use

All Transactions made or instructions provided through Your ANB Safe Account on ANB Safe shall be deemed to be provided by You. You will be solely responsible for any unauthorised access or use of Your personal or financial information through Your ANB Safe Account on ANB Safe. To help prevent unauthorised use of your ANB Safe Account on ANB Safe, You should comply with the security measures recommended by ANB Safe. If you believe your ANB Safe Account on ANB Safe has been accessed or used in an unauthorised manner, please contact Customer Service immediately.

Risk Monitoring: Unusual or Suspicious Transactions

We may monitor your Transactions for high-risk practices or for fraudulent transactions. We may also engage Third Party Providers or other service providers to assist in these efforts and other elements of ANB Safe Services. If we have reason to believe that there is suspicious or unusual activity being carried out through your ANB Safe Account on ANB Safe, we may temporarily or permanently suspend your access to ANB Safe Services.

We and/or the Payment Participants may reject a Transaction and/or settlement of payments for various reasons, including but not limited to risk management, suspicion of fraudulent, illegal or doubtful Transactions, selling of prohibited items, use of compromised or blacklisted cards or BHIM UPI accounts, ANB Safe Accounts on ANB Safe, chargebacks/complaints or for other reasons as prescribed in the Payment Participant Rules. In the event that a Transaction is rejected or is unable to be completed, we will either transfer the funds back to the Sender’s Funding Account or will handle the funds in accordance with Applicable Laws or Payment Participants Rules.

In addition, we may take any such action on a ANB Safe Account on ANB Safe as may be required by a statutory or governmental authority or as may be mandated by the respective Payment Participant.

Privacy and Communications

Privacy. In addition to other clauses in the Combined ANB Safe Terms, you agree and specifically consent that we may collect, store, and use your personal data and any communications made through ANB Safe, in accordance with Applicable Laws and our Privacy Policy.

ANB Safe may share your payments related information, including UPI Transaction Data, with Merchants, Banks, Third Party Providers and service providers as required for the purpose of operations, settlement payment processing, and promoting ANB Safe Services.

Your UPI Transaction Data will not be used for any monetisation purpose (eg. for advertisements) by any entity other than ANB Safe (in other words, ANB Safe India Digital Services Private Limited).

If you are a Recipient, you agree and specifically consent that ANB Safe may store your information including bank account number on ANB Safe for the purpose of sending you payments.

You agree and specifically consent that ANB Safe may, through automated means, access your ANB Safe navigational, log, and correspondence information/data. This information/data will help us analyze the merchants, markets, technology, operating systems, browsers, devices, locations from/for which our ANB Safe Services are used. For example, such information and its analysis will help us to better understand your needs and provide you with a wider range of services, or developing updates for particular operating systems and mobile application versions, etc. The information collected also helps us offer you other products, programs, or services including Offers as provided by Merchants or Billers that we believe may be of interest to you or alert you in case of software compatibility issues.

You agree and specifically consent that ANB Safe may, through automated means, access your messages on your mobile device/mobile number and retrieve/use information from your messages to provide you with enhanced services by ANB Safe or Group Companies. For example: OTP is a one-time password which is provided by your issuing bank in order to carry out the second factor authentication. If you allow us to access your messages, you understand that we may retrieve your OTP from the message received on your mobile device/number and populate and submit the OTP for second factor authentication.

You represent that you have obtained all requisite prior consents and waivers necessary from any third party or Recipients and have provided such third party or Recipient with notice to permit ANB Safe, Group Companies and Payment Participants to carry out actions described in this paragraph. You further warrant that you will provide such notices and secure such necessary consents and waivers in advance of providing similar information to ANB Safe in the future.

If you choose to delete or wipe-out any information or data from ANB Safe or your ANB Safe Account or you or ANB Safe choose to terminate the use of your ANB Safe Account or ANB Safe Services, you understand that we may still retain, use and/or disclose such information/data for legal reasons detailed in the ANB Safe Privacy Policy.