PrivacyPolicy :

User must compensate for any loss that occurs as a result of his/her breaking any term of these agreements.


I/We hereby acknowledge that I/we have read and understand the terms and conditions for Internet-Banking and the risk involved in Internet-Banking operation and further declare and affirm that by signing below, I/we apply for the Shimanto Bank Limited Internet-Banking Services subject to the aforesaid terms and conditions.


I/ We, the Customer agree to SMBL giving me/ us notice of availability/ readiness of my monthly/ quarterly Statement/s of Account/s via email, to the email address specified by me/us.


SMBL would be deemed to have delivered the Statement to me/us, immediately on my/ our receiving notice of its availability. I/We will be obliged to download and print the Statement of my/ our Account after receiving notice as aforesaid from SMBL. Should I/ we experience any difficulty in accessing the electronically delivered Statement, I/we shall promptly advise SMBL to enable SMBL to make the delivery through alternate means. Failure to advise SMBL. of such difficulty within 24 hours after my/our receiving notice as aforesaid, shall serve as an affirmation regarding the receipt and acceptance by me/us of my/our Statement.


I/ We understand that Internet transmission lines are not encrypted and that email is not a secure means of transmission. I/We acknowledge and accept that such unsecure transmission methods involve the risk of possible unauthorized alteration of data and/or unauthorized usage thereof for whatever purposes. I/ We agree to exempt SMBL, from, any and all responsibility/liability arising from such misuse and agree not to hold SMBL. Rresponsible for any such misuse and further agree to hold SMBL. free and harmless from all losses, costs, damages, expenses that may be suffered by me/us due to any errors, delays or problems in transmission or unauthorized/illegal interception, alteration, manipulation of electronic data or otherwise caused by using email as a means of transmission.


I am/ We are aware of all security risks including the risk of the content of my/ our Statement becoming known to third parties, I/ We agree that I/ We shall not hold SMBL in any way responsible for the same and agree that the same shall not be considered as a breach by SMBL. of banker customer confidentiality.


I/ We undertake to verify the correctness of each statement or report in relation to any transaction and to notify SMBL within 10 days of dispatch to me/ us of the statement or report or before giving any further instructions thereon, whichever is the earlier, of any discrepancies, omissions or debits wrongly made or inaccuracies in the statement or report so generated. If no objection is made within 14 days or before further instructions are given by the Customer, the same shall be conclusive evidence as against the Customer without any further proof that the statement or report is correct and SMBL shall be free from all claims in respect thereto.


I/ We understand that I/ We remain fully liable for any of my/ our (customers) contractual liabilities to SMBL irrespective of receipt or non-receipt of, intimation of availability of my/our Statement.

Under no circumstances, including negligence, shall SMBL. or anyone involved in creating, producing, delivering or managing my/ our Statement of Account, be liable for any direct, indirect, incidental, special or consequential damages that may result from the use or inability to use the service or out of the breach of any warranty.


The use and storage of any information including without limitation, the password, account information, transaction activity, account balances and any other information available on my/ our (the Customers) personal computer is at my/ our own risk and my/ our sole responsibility and liability.


I/ We acknowledge that certain products and services of SMBL available to me/us require me/us to pay a charge, which will be debited to my/our account/s, and are subject to terms and conditions.


I/ We Understand that SMBL may withdraw add to or modify the Internet facilities from time to time by notice to me/ us. While advance notice of maintenance work likely to affect the availability of Internet Banking facilities shall be given, SMBL reserves the right to suspend, upon notice, access to Internet Banking facilities or the provision of all or any of the services at any time if SMBL deems it necessary to do so in the event of an emergency (the opinion of SMBL being conclusive in this respect) or for security reasons.


E-mail addresses submitted will be verified by SMBL. In order to avail the rewards, the e-mail addresses should be valid at the time of verification. In the event of multiple submissions, only the first-mail address submitted will be eligible. E-mail address provided through this program will override prior records. SMBL Terms and Conditions apply and are subject to change without prior notice. They are available upon request or on the website once you have enrolled, only e-mail statements will be sent.


I/we also have read the entire Terms and Conditions for all SMBL products and understand that these are subject to change from time to time and accept to be bound by the same and also agree that my acceptance of e-mail statements establishes consent to the Terms and Conditions of SMBL and specific products covered by these Terms and Conditions.




In order to prevent unauthorized transaction through Internet-Banking Service, Users are advised to strictly maintain the following:

1. The User ID and Password should not be written anywhere accessible to third party including his/her family members.

2. User should make sure that no one is physically watching the passwords when he/she is Logging in.

3. It is important to remember to click 'Log out' after completing his/her Internet-Banking session.

4. User should not leave his/her PC unattended with the browser running and a valid user name and Password cached as in such case anyone can gain access to the account.