Card Secure Plus

Lost your wallet?

Relax!
Gift yourself a stress-free life with CPP
Card Secure Plus , which will assist
you in blocking all your debit/credit
cards with just one call.

Membership Number
i*"dSe8&-$0.k

Mr Sunil Kumar Sharma IA8211982

Dit University Mussooria Diversion Road
Makkawala
Dehradun Uttarakhand 248001 06/11/2019
7979708187

Dear Customer,

Congratulations on your Card Secure Plus membership. We feel immense pleasure in welcoming you to the CPP family!

CPP Card Secure Plus service is being provided to customers as a complimentary feature post availing a Personal Loan/ Business
Loan with ICICI Bank.

As part of the membership you will have access to a number of features that will protect you and ensure your peace of mind. Turn
overleaf to know all the benefits you get with CPP Card Secure Plus membership.

You can now enjoy the benefits of the service for a year from the start date. Don’t hesitate to get in touch with us on the contact
details mentioned below for any assistance regarding your membership.

We request you to register all your Debit cum ATM, Credit & Prepaid cards, as well as valuable documents like PAN card, driver’s
license, etc. with us by sending the completed registration form or by calling us. This will help us assist you swiftly in case of
emergencies.

Thank you again on becoming a CPP Card Secure Plus member and congratulations on choosing to live life worry-free!

Yours sincerely,

Prachala Singh
Head – Customer Service

CPP Card Protection Plan - Membership Details cum Sales Proforma

Membership No. IA8211982 Payment Card No. Icici Bank

Valid From 06/11/2019 End Date 06/11/2020

24x7 Customer Care: Corporate Address

6000 4000 (Prefix Your City STD code), CPP Assistance Services Pvt. Ltd.
1800-419-4000 (Toll free) Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf
SMS to talk: SMS ‘CPP’ to 56767 Course Road, Sector – 42, Gurgaon – 122002, Haryana
E-mail: feedback@cppindia.com
CIN: U67120DL2007PTC170592
Website: in.cppgroup.com
CPP Card Secure Plus-Benefits Explained:
With CPP Card Secure Plus,stay worry-free in case of card lost or stolen and get other amazing benefits.
Here how’s we secure you:

Block your cards and worries

No matter the time, destination or situation, we’ll block your lost card in a jiffy. Just call - 1800 419 4000 (toll-free) or
6000 4000 (both numbers available 24X7) and leave the rest to us.

Emergency Travel Assistance#

Now get an emergency advance to pay your hotel bills or arrange travel tickets up to Rs.60,000 in abroad & Rs. 30,000
in India.
#
Advance to be returned within 28 days

Entertainment galore
Get Live TV Subscription from SonyLiv and Music Subscription from Gaana for 1 year each and enjoy unlimited
entertainment no matter where you go.

Complimentary Fraud Protection including Mobile Wallet Protection*

You will be enrolled into a complimentary add-on benefit of fraud protection within 7 days of your membership start
date under the group policy of our customers, which ensures protection of your cards (up to 30 days prior to loss report)
against frauds such as PIN based, online, phishing, telephishing and transactions where OTP is not required (if card is
lost/stolen) for up to Rs. 50,000. Your mobile wallets are also protected against frauds for up to Rs.50,000 (if there is a
simultaneous physical loss of device).
*You will be enrolled into the complimentary fraud protection benefit within seven (7) days of your membership start date. Fraud
protection cover is provided by an Indian General InsuranceCompany registered with IRDAI under the group insurance policy for CPP
members. Please refer to group policy terms & conditions for more details.

CPP Card Secure Plus - Benefits Summary:

CPP Card Secure Plus

Benefit Category Benefits in detail CPP Card Secure Plus

Card Blocking Single Call to Block Lost Cards Yes

Emergency Advance - Hotels - Abroad/India Upto INR 60,000/30,000

Emergency Travel
Assistance
Replacement Travel Ticket Advance - Abroad/India Upto INR 60,000/30,000

LIVE TV Subscription (Single Subscription)

Entertainment
Yes
Features
Gaana Plus Subscription (Single Subscription)

Protection against frauds (Transactions involving PIN based Frauds,

Phishing, Tele-phishing and Transactions where OTP is not required (if up to Rs. 50,000
card is lost/stolen))

Number of days from which cover starts 30 days

For pre - notification period of 4 to 7

days

Upto Rs. 25,000

Protection against frauds on cards (card present and not present
transactions) - Other than the transactions listed above
For pre - notification period of 7 to 30
Complimentary Fraud
days
Protection
up to Rs. 50,000

For pre - notification period of 4 to 7

days

Upto Rs. 10,000

Mobile Wallet Protection -
Only if there is a simultaneous physical loss of the Device
For pre - notification period of 7 to 30
days

up to Rs. 50,000

Members Covered Number of members covered under membership Primary

Membership Duration 1 year, non-renewable

 Registration form
This form should be used to register existing, new or replacement cards

Complete your registration with us! Get back peace of mind.

1 Fill in details of your credit, debit and ATM card in section A (below),
ԕ„ρ¾ŠÖ
section B (overleaf)
Membership No.: IA8211982
2 Ensure all your details are correctly filled Name : Mr Sunil Kumar Sharma

3 Use the enclosed business reply envelope to mail this form to us

Section A: Primary member’s details

Card type Description Card number
Card issuer
(Visa / Mastercard / Other)

e.g. ABC Bank Visa IOC Gold Card 4 3 3 3 2 1 X X X X X X 1 2 3 4

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X
Primary member’s details

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

X X X X X X

Declaration: I/We authorize CPP Assistance Services Pvt. Ltd. (CPP) to advise issuers of cards covered under this membership to cancel them in case
they are lost, stolen or otherwise misused.
22_Classic_JUNE_19

Please tick, if you do not wish to receive information via e-mail

Primary member’s signature Date: about other products or services that may be of interest.
 SonyLIV- LIVE TV Subscription
Download Instructions
1. Go to www.sonyliv.com on your web browser and Register

2. Click on any of the offered Premium content

3. Click on ‘Get Premium Account’ and select the ‘Premium 12 Months’

plan

4. Enter your Mobile number and OTP to complete the one step
authentication process

5. Enter the ‘Promo Code’ provided below, click on ‘Apply’ and then click
on ‘Proceed To Pay’ to redeem your promo code.

6. Promo Code : CPPOGt8XtWuMLFd2

Gaana Plus- Music Subscription

Download Instructions
1. Go to https://gaana.com/redeemcoupon on your web browser and
Sign In

H3TN3C0939U1

2. Enter the unique coupon code

3. Download the Gaana App on your smartphone

4. Enjoy your 12 months Gaana Subscription.Enjoy streaming songs,

song downloads – an Ad-Free experience!

Note: Please use the promo code within 90 days of receipt.

Most Important Terms & Conditions (MITC) for your CPP Card Secure Plus Membership
(offered by ICICI Bank Limited)
The Most Important Terms and Conditions (MITC) of your membership are listed below.
Please refer to the Main Terms and Conditions which set out the terms of your Agreement
with CPP
General
• The CPP Card Secure Plus Service is provided by CPP Assistance Services Private Limited,
whose corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A,
Golf Course Road, Sector – 42, Gurgaon – 122002, Haryana, India (CPP) in conjunction with
its third party suppliers/service providers.
• You must provide us (and ICICI) with full and accurate information in connection with your
CPP Card Secure Plus Membership and Services. In case you provide false or materially
incomplete information or commit a material breach of the main terms & conditions of the
membership, we may cancel your membership
• Advance payment of the Fees is the essence of the commencement of the Membership and
the Services to be provided to You under the Agreement. You (or ICICI on your behalf) must
pay the Fee to Us in advance for purchase of Your CPP Card Secure Plus Membership. CPP
shall have the right to cancel Your membership without any notice to You if you fail to pay
in advance or repay ICICI any amount paid by ICICI on Your behalf towards your CPP Card
Secure Plus Membership.
• The Fraud Protection Cover is provided as an add-on complementary benefit under the
Group Insurance Policy taken by CPP for its customers from an Indian insurance company
registered with IRDAI (Insurer). Please refer to the Group Insurance Policy Terms and
Conditions for more details.
• Any change or new addition to your membership and services shall be intimated to you
at least 45 days in advance and such changes shall become applicable from the date of
intimation. However, it is clarified that the features of Gaana and SonyLIV, where CPP is
acting as facilitator, may be added, modified, or removed during the Period of Agreement
without this advance notice period of forty-five (45) days.
• If You would like to cancel Your Membership, please contact ICICI. CPP Card Secure Plus
Membership has been provided to You as part of Your ICICI Product. Under no circumstances,
CPP will be liable to refund any amount to You which You would have paid to ICICI for ICICI
Product, or otherwise, for CPP Card Secure Plus membership
• The terms and conditions are governed by and must be interpreted in line with the laws of
the Republic of India.
• Your Membership begins on the Start Date and continues for the Period of Agreement as
mentioned in the welcome letter.
• You can contact us through the following media in case you have any queries about these
terms and conditions of your membership,
E-mail: feedback@cppindia.com
Telephone: 1800-419-4000 (Toll-free)
+91 921244 4000
6000 4000 (please prefix city STD code)
Service Related
• You must report lost or stolen cards to us by telephone within twenty-four (24) hours of
discovering loss of cards
• Any advance made to you under the Section A of the Main Terms & Conditions, shall be
interest free and repayable by you to MakeMyTrip within twenty-eight (28) days of the
advance being made. In the event of the advance not being repaid then reasonable steps
Agreement and Terms & Conditions for Your CPP Card Secure Plus Membership (offered by
ICICI Bank Limited)
Please read this document carefully and keep it in a safe place
Please read this document carefully. It sets out terms and conditions of Your Agreement with
CPP Assistance Services Private Limited (CPP) for the Card Secure Plus Service.
Definitions
Where the following words are used in these terms and conditions, they will have the meanings
shown below:
Abroad – In a country other than India.
Agreement – These terms and conditions of the CPP Card Secure Plus Service product and any
changes thereto.
Card – Your credit, debit, prepaid, cash and other similar cards.
Card Loss – Loss by You or theft from You of a Card.
CPP - CPP Assistance Services Private Limited, whose corporate office address is at Ground
Floor, Wing – A, Golf View Corporate Tower – A, Golf Course Road, Sector – 42, Gurgaon – 122002,
Haryana India and registered office is at A-370, 2nd Floor, Kalkaji, New Delhi – 110019.
Fee – Means the total amount as agreed by Us with the ICICI to provide Service to You as part the
ICICI Packaged Product.
Gaana - Gamma Gaana Ltd
Home – The place where You permanently reside; which You have given us as Your address
while registering for the Membership.
ICICI – ICICI Bank Limited, whose corporate office is at ICICI Bank Towers, Bandra-Kurla
Complex, Mumbai 400051, Maharashtra
Issuer – The issuers of the Cards.
MakeMyTrip - MakeMyTrip (India) Private Limited.
Member – The person who has purchased and is entitled to use the Service whose name
appears in the Welcome Pack.
Membership – Your right to use the Service for each year for which You pay the Fee as per the
Agreement.
Period of Agreement – Period of 1 year from the Start Date.
Service – Shall have the meaning given to it in paragraph A below.
SonyLIV – Online streaming services of various contents offered by SPN.
SPN – Sony Pictures Networks India Private Limited.
Start Date – The date on which the Membership commences as set out in your Welcome Pack
which we send to you.
Third Party – MakeMyTrip, SonyLiv and Gaana with whom CPP has contracted for providing
the Services in paragraph A below.
We, us, our – CPP.
Welcome Pack - means the pack We send to You when You have purchased the Membership
for the Services containing these terms and conditions and other information relevant to the
Service.
Year – A period of twelve (12) consecutive months.
You, Your – The Member and Spouse
The CPP Card Secure Plus is provided by CPP Assistance Services Private Limited, whose
corporate office address is at Ground Floor, Wing – A, Golf View Corporate Tower – A, Golf
Course Road, Sector – 42, Gurgaon - 122002, Haryana, India in conjunction with its third party
suppliers/service providers.
Should You have any queries about these terms and conditions or Your Membership, You
can contact us by email at feedback@cppindia.com or by telephoning us on 1800-419-4000
(Toll-free) or +91 921244 4000 or 6000 4000 (please prefix Your city STD code) (lines open
twenty-four (24) hours a day, seven (7) days a week). You can also write to us at the following
address:
CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019
CPP Card Secure Plus (offered as part of ICICI Packaged Product)
A: Assistance Services – what is provided?
• When You report a Card Loss to us, We will contact the Issuers and ask them to cancel the
Card.
• If You request at the time of reporting Your Card Loss, the assistance Services set out at A1
and A2 may be available to You through MakeMyTrip, who has contracted with us, to provide
You the assistance services set out at A1 and A2 below. You consent to us making such
which may include legal steps, will be taken to recover the advance.
• If you request for the assistance services set out at A1 and A2 of the Main Terms &
Conditions, then you consent to us making such enquiries from such persons and/ or
organizations as are necessary to assess the claim that you are making.
• In case you have not shared the details of a particular card with us and request the same to
be blocked, CPP will attempt to block that card with the help of other details provided by you
on a best effort basis.
• Services set out in sections A1 and A2 of the Main Terms & Conditions shall be provided
only at the sole discretion of CPP, however, every effort will be made to provide you with
emergency assistance in line with the terms and conditions set out in these sections. At
the time of Your request for Service, We may ask You to provide evidences for Your need of
emergency assistance and in the absence of which Your request for Emergency Assistance
may be rejected by Us. There may also be times when it will not be possible to arrange for
the transfer of funds to some countries or remote geographical locations or due to events
or conditions that are out of our control (i.e. political instability, regulatory restrictions, war,
natural disaster, etc.) and for which CPP cannot be held liable.
• You will be provided with subscription of SonyLIV, an online portal service offered by Sony
Pictures Networks India Private Limited (SPN) with various contents by way of streaming
over the Internet on mobile and similar other handheld devices and by way mobile
applications. With this You can watch Live TV channels, latest TV serials, Live sports,
movies, music with the best quality streaming and a premium experience. This subscription
is issued and governed by the terms & conditions of SPN, as may be amended from time to
time. For detailed terms & conditions, please visit www.sonyliv.com/static/terms_of_use.
Our role in relation to SonyLIV subscription shall be limited to that of a mere facilitator, and
We shall not in any manner be liable to You for any loss, damage or compensation in relation
to or arising from its use. For other terms and conditions relating to this Service, please refer
to Section A3 of the Main Terms & Conditions.
• You will be provided with Gaana Plus subscription pack offered by Gaana which will enable
You to listen & download music on the Gaana Application. This subscription is issued
and governed by the terms & conditions of Gaana, as may be amended from time to time.
For detailed terms & conditions, please visit https://gaana.com/terms.html. Our role in
relation to Gaana Plus subscription shall be limited to that of a mere facilitator, and We shall
not in any manner be liable to You for any loss, damage or compensation in relation to or
arising from its use. For other terms and conditions relating to this Service, please refer to
Section A4 of the Main Terms & Conditions.
• The products, services and offers referred to herein are subject to the terms and conditions
governing them as specified by ICICI Bank / CPP/ Third Party from time to time and are
offered at the sole discretion of ICICI Bank / CPP / Third Party.
• Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or
solicitation to purchase any products/ services of ICICI Bank / CPP / Third Party.
• ICICI Bank makes no representation about the quality, delivery, usefulness or otherwise of
the goods / services offered by the Third Party.
• You hereby expressly accord your consent allowing CPP to collect all the required data/
information including any sensitive personal data or information from you to service you
and to transfer/utilize your personal information with our approved suppliers/service
providers including our group companies for the purpose of sending correspondence to you
and providing some of the features of the membership to you. Please refer to detailed Data
Protection Notice in the Main Terms & Conditions.
enquiries from such persons and/ or organizations as are necessary to assess the claim that
You are making. At the time of Your request for Service, We may ask You to provide evidences
for Your need of emergency assistance, in the absence of which, Your request for Emergency
assistance may be rejected by Us.
• Any advance made to You under this Section A shall be interest free and repayable by You to
MakeMyTrip within twenty-eight (28) days of the advance being made. In the event of the
advance not being repaid, steps will be taken to recover the advance, which may include legal
steps, the costs of which recovery from which may be added to the outstanding balance of the
advance made.
A1: Advance of Emergency Hotel Bills
If You are Abroad or in India at the time of the Card Loss, We will facilitate through MakeMyTrip,
an advance direct to Your hotel to cover Your hotel bill upto Rs 60,000 if Abroad and up to Rs
30,000 if in India.
A2: Advance of Replacement Travel Tickets
We will facilitate through MakeMyTrip, replacement travel tickets against an advance for You
of up to Rs 60,000 if Abroad and up to Rs 30,000 if in India, so that You can return to the travel
destination nearest to Your Home. We will do this if Your travel tickets have been lost or stolen
at the same time as the Card Loss when You are Abroad or in India.
A3: SonyLIV Subscription
As part of this benefit, You will be provided with a single subscription of SonyLIV, an online
portal service with various contents by way of streaming over the Internet on mobile and
similar other handheld devices and by way of mobile applications. With this You can watch Live
TV channels, latest TV serials, Live sports, movies, music with the best quality streaming and
a premium experience.
You are governed by and must adhere to the following specific terms and conditions:
• This subscription is issued and governed by the terms & conditions of SPN, as may be
amended from time to time. For detailed terms & conditions, please visit www.sonyliv.com/
static/terms_of_use.
• The redemption code is valid for a period of 3 months from the date of purchase of
Membership.
• This offer is not an instrument for payment and shall be used only for the purpose of availing
services of SonyLIV on the supported devices. For details please visit www.sonyliv.com
• Internet service charges applicable as per the plan availed by You from Your telecom service
provider shall be applicable while accessing SonyLIV.
• Content available on SonyLIV shall be subject to change at the discretion of SPN at any
time.
• You may watch a video through SonyLIV Service only in geographic locations where SPN
offers the SonyLIV Service. The content that may be available to view will vary by geographic
location. SPN may use technologies to verify your geographic location.
• Please write to customersupport@setindia.com for further details or enquiries.
• Our role in relation to SonyLIV subscription shall be limited to that of a mere facilitator, and
We shall not in any manner be liable to You for any loss, damage or compensation in relation
to or arising from its use.
A4: Gaana Plus Subscription
As part of this benefit, You will be provided with Gaana Plus subscription pack offered by Gaana
which will enable You to listen & download music on the Gaana Application.
For deriving this benefit, You are provided with a unique Gaana Plus redemption code in the Pack
and You are governed by and must adhere to the following specific terms and conditions:
• This subscription is issued and governed by the terms & conditions of Gaana, as may be
amended from time to time. For detailed terms & conditions, please visit https://gaana.com/
terms_and_conditions.com
• The redemption code is valid for a period of 3 months from the date of purchase of
Membership.
• This offer is not an instrument for payment and shall be used only for the purpose of availing
Gaana Plus subscription on the supported devices. For details please visit https://gaana.
com/faq
• Internet service charges applicable as per the plan availed by You from Your telecom service
provider shall be applicable while accessing Gaana Plus subscription.
• Content available via Gaana Plus subscription shall be subject to change at the discretion of
Gaana at any time.
• Please contact Gaana at Feedback@gaana.com for further details or enquiries regarding Your
subscription.
• Our role in relation to Gaana Plus subscription shall be limited to that of a mere facilitator, and
 We shall not in any manner be liable to You for any loss, damage or compensation in relation
to or arising from its use.
B: General conditions
Please read this section carefully as it contains important information.
Eligibility
The Service is only available to residents of India who are over the age of eighteen (18).
Term of Membership
1. Your Membership is available to the person whose name appears in the Welcome Pack only
and is non-transferable.
2. You must provide us with full and accurate information in connection with Your request for
the Card Secure Plus services.
3. Advance payment of the Fees is the essence of the commencement of the Membership and
the Services under the Agreement with You. The Fee must be received by Us from You or
ICICI (if You have got Your CPP Membership financed through ICICI) before We can provide
the Services to You.
4. Your Membership begins on the Start Date and continues for the Period of Agreement in
return for advance payment of the Fee by ICICI.
5. You must report lost or stolen Cards to us by telephone within twenty-four (24) hours of
discovering the Card Loss.
6. Any change or new addition to Your Service shall be intimated to You at least forty-five
(45) days in advance and such change shall become applicable to You from the date of such
intimation. However, it is clarified that the features of Gaana and SonyLIV, where We are
acting as facilitator, may be added, modified, or removed during the Period of Agreement
without this advance notice period of forty-five (45) days.
Limitations
1. In the event of theft or loss of Cards, You have to immediately call us to report the loss of the
Cards. In case You have not shared the details of a particular Card with us and request the
same to be blocked, We shall attempt to block that Card with the help of other details provided
by You on a best effort basis. In the event that Your input is required in the form of confidential
personal information number (PIN) or a telephone identification number (TIN) (which cannot
be disclosed to a third party), We will assist You by conferencing You on the telephone call
with the Issuer in order for You to provide such PIN/TIN for authentication purposes.
2. The services set out in Sections A1 and A2 shall be provided only at the sole discretion of CPP,
however, every effort will be made to provide You with emergency funds in line with the terms
and conditions set out in these sections of this Agreement. At the time of Your request for
Service, We may ask You to provide evidences for Your need of emergency assistance and in
the absence of which Your request for Emergency Assistance may be rejected by Us. There
may also be times when it will not be possible to arrange for the transfer of funds to some
countries or remote geographical locations or due to events or conditions that are out of our
control (i.e. political instability, regulatory restrictions, war, natural disaster, etc.) and for
which We cannot be held liable.
3. We cannot be held responsible for any loss, damage or fraud (direct or indirect) which might
occur to You due to wrong submission of any information to Us by You or if are unable to
provide the Services to You for reasons beyond Our control or even after reasonable efforts
made by Us.
4. It is hereby clarified that SonyLIV subscription is the property of SPN and SPN will always
remain responsible and liable for any services / claims arising from the use of SonyLIV
subscription by You (Section A3). This subscription is issued and governed by the terms &
conditions of SPN, as may be amended from time to time. For detailed terms & conditions,
please visit www.sonyliv.com/static/terms_of_use. Our role in relation to distribution of
SonyLIV subscription to You shall be limited to that of a mere facilitator, and We shall not in
any manner be liable to You for any loss, damage or compensation in relation to or arising from
the use of SonyLIV subscription. Further, SonyLIV Service streaming software is developed
and designed to enable only streaming of content from SonyLIV Service through the SonyLIV
Service ready devices. This software may vary by device and medium, and functionalities
may also differ between devices. This software is licensed to you pursuant to these Terms and
solely for the purpose of using SonyLIV Service and for no other purpose whatsoever. SPN
does not warrant the performance of the software, including its continuing compatibility
with SonyLIV Service. Any unauthorized use of the software is strictly prohibited and
SonyLIV Service reserves the right to not provide the software (including updates) to you
at any time and to discontinue the ability to access SonyLIV Service through such software
at any time, without prior or any notice. When you use SonyLIV ready device, you expressly
represent that you have the express authority to use such device and be liable for any
transaction conducted through such device on the Site. SonyLIV streaming software permits
only streaming of the content available on SonyLIV services and restricts the download and
storage of such content.
5. It is hereby clarified that Gaana will always remain responsible and liable for any services /
claims arising from the use of Gaana Plus Subscription (Section A4). You will be governed by
the specific Terms and Conditions of Gaana as applicable to you at the time of usage. Our role
in relation to this service provided to You shall be limited to that of a mere facilitator, and We
shall not in any manner be liable to You for any loss, damage or compensation in relation to or
arising from the use of this service.
6. The products, services and offers referred to herein are subject to the terms and conditions
governing them as specified by ICICI Bank / CPP/ Third Party from time to time and are
offered at the sole discretion of ICICI Bank / CPP / Third Parties.
7. Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or
solicitation to purchase any products/ services of ICICI Bank / CPP / Third Parties.
8. ICICI Bank makes no representation about the quality, delivery, usefulness or otherwise of the
goods / services offered by the Third Parties and CPP.
Cancelling Your Membership
1. If You would like to cancel Your Membership, please contact CPP call centre.
2. CPP Card Secure Plus Membership has been provided to You as part of Your ICICI product.
Under no circumstances, CPP will be liable to refund any amount to You which You would have
paid to ICICI Bank for ICICI product, or otherwise, for CPP Card Secure Plus membership.
Governing law and Jurisdiction
These terms and conditions are governed by and must be interpreted in line with the laws of the
Republic of India.
We and You agree that all the disputes/differences arising out of or in relation to this Agreement
shall be referred to the exclusive jurisdiction of and settled only by the courts in Delhi. You and
We agree that terms and all other communications will be issued in English.
Complaints
If at any time You want to tell us about a problem with Your Membership please call us on 1800-
419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix Your city STD code) or
You can write to the Complaints Manager at:
CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019
We will do our best to revert to Your query within 48 working hours. We will also do our best
to send you communications as relevant from time to time to keep You informed on the
progress.
If you think you are not getting a satisfactory response, You may escalate the matter to
escalations@cppindia.com
Recording calls
We record all telephone calls made to us. We do this to:
• provide a record of the instructions We have received from You;
• allow us to monitor quality standards;
• help us with staff training; and
• meet legal requirements.
All communications and Membership documents will be in English unless otherwise
agreed.
Your consent
By entering into this Agreement You hereby expressly accord Your consent and authorize us to
collect all the required data/information including any sensitive personal data or information
from You to service You under this Agreement. Prior to providing any information, You have an
option not to provide the data or information sought under this Agreement by sending to us a
written notice to that effect.
By entering into this Agreement, You hereby expressly accord Your consent that for the better
performance of this Agreement We may transfer Your data/information to any city within
India or to a country outside India as mentioned herein. If We do transfer Your data within
or outside India, We will make the appropriate checks to ensure that Your data is adequately
protected.
Remember that upon request, You have a right to see and review all the personal information
We hold about You and if found to be inaccurate or deficient, shall be corrected or amended
as feasible. If You would like to request this, please contact our customer services team on
6000 4000. Please note that there will be a separate administration charge for the provision
of this information. Please also note that We will not be responsible for the authenticity of the
information provided by You to us as required under this Agreement.
You have the right to withdraw the consent earlier provided by You with respect to providing
Your data/information sought by us anytime while availing the Services. Such withdrawal of the
consent shall be intimated in writing to us. However, in the event that You decide not to provide
the data/Information sought by us or withdraw the consent earlier given by You, then We retain
the right to not provide the services for which such data/information was sought
Data Protection Notice
We will use the information You provide to:
• manage Your Membership;
• collect Fees when due; and
• provide the Service to You.
We may pass Your personal information to our approved suppliers/service providers including
our group companies for the purpose of sending correspondence to You and providing some
of the features of the Service to You. They may contact You by post, landline telephone or, if
You have previously agreed, by email or mobile phone. By taking out Your Membership and by
giving us Your address, phone number and email address, You agree that We and our approved
suppliers/service providers may contact You using these methods, unless You have told us not
to. If You do not want Your details to be used for these purposes, please let Us know in writing
at any time.
How We protect Your data
We take data security very seriously and go to great lengths to ensure Your information is
protected against unauthorised use of any kind. We have appropriate measures in place
to safeguard the data We hold. Our Information and Data Security Systems at CPP Group
Plc have been verified by accreditation in the form of ISO 27001 and PCI-DSS certificate for
Information Security Management.
Our suppliers/service providers are vetted to ensure they comply with the necessary data
protection protocol before they are approved.
We are continually reviewing and updating our security procedures as new technologies
become available. All areas of our website where personal information is collected are secure
and will display the ‘padlock’ symbol for reassurance. Where information is transferred it shall
be encrypted using the latest encryption technology commercially available.
Please refer to our data privacy policy at our website in.cppgroup.com for more details.
Who We may pass Your details to and how they would be used
Updating Your records
We may ask ICICI to tell us about changes in Your contact details / details specifically related
to the Services (subject to any disclosure contract in this regard that You may have with ICICI)
so We can update Your Membership records. This may include asking for information about
changes to any personal contact details (e.g. telephone, mobile phone or fax numbers or email
addresses).
Providing the Service
If You ask us to report a lost Card, We will pass Your name and address and the details of
the Card to the Issuer so that they can cancel it and provide a replacement, if requested by
You.
When You take the Membership, We pass Your personal details to our approved suppliers to
provide some of the services described in Section A. We will only pass to them the minimum
amount of information required for them to be able to identify You, should You need these
services. Our suppliers will pass Your information (such as Your name, contact details, etc.)
to third parties to enable them to assist You only in instances when You require help from
them.
We may pass Your personal information to our approved fulfilment and courier vendors so
that We can send correspondence to You and provide some of the features of the Service to
You.
Marketing and Market Research
To avoid contacting You unnecessarily about products or services You may already have,
We will compare Your details with information on prospect files prepared by our business
partners. When We do this We may need to tell our business partners/third party suppliers/
service providers that You have subscribed for the Service or hold a product with us and
disclose enough personal data to allow our business partners/third party suppliers/service
providers to identify You on these files.
We and our approved suppliers/service providers may also use Your personal information
to contact You about goods and services that might interest You or invite You to take part
in market research surveys. You may be contacted either by post, phone or e-mail for these
purposes. If You would prefer this not to happen, please let us know when You register, or call
us at any time if You change Your mind.
MakeMyTrip (India) Private Limited (MakeMyTrip)
When You take out a subscription, We pass Your personal details to MakeMyTrip to provide
the services described in Sections A1 and A2. We will only pass to them the minimum amount
of information required for them to be able to identify You, should You need these services.
MakeMyTrip may pass Your information (such as Your name, contact details, etc.) to third
parties to enable them to assist You only in instances when You require help from them.
Grievance Regarding Data Protection Issues
If at any time You want to tell us about a problem, discrepancy or grievance regarding Your
personal data/information/details or the processing thereof, please call our designated
grievance officer Prachala Singh on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-
4000 (if calling from a mobile phone, please prefix Your city STD code) or You can also write to
our grievance officer at:
CPP Assistance Services (Pvt) Ltd
P O Box No 826,
Kalkaji Post Office,
New Delhi - 110019
Our grievance officer will do his best to expeditiously redress any issues/grievance that You
may have within a period of thirty (30) days from the date of receiving Your grievance.
Dear Customer,
Greetings from HDFC ERGO General Insurance Company Limited.
We are pleased to inform you that HDFC ERGO CardSure Package Policy No. 2999201882226000000 has been issued to provide insurance coverage to you as you are a customer of CPP
Assistance Services Pvt. Ltd. (‘Policyholder’ or ‘CPP’) and form part of the Policyholder’s assistance product business group. This entitles you for coverage as an insured beneficiary under the
Policy as an add-on benefit.
You will be covered under the above mentioned group insurance policy for a sum insured upto Rs. 50,000 for the loss or claim relating to the fraud or unauthorized use on your card during the policy period, as per the scope of
coverage, as mentioned in the table below:

Fraud Cover Available Period before reporting fraudulent transaction Sum Insured
(Please refer to Your Membership for limit on Sum Insured)

Transactions involving PIN based frauds, Phishing, Tele-phishing From 0 to 30 days Up to Transaction amount or Sum Insured per member with no limit
and Transactions where OTP is not required (if card is lost/stolen) per card, whichever is lower

Loss Reported within 3 days No claim is payable under this Policy

Any card present or card not present transaction (other than the
transactions listed above)
From 4 to 7 days Up to Transaction amount or INR 10,000 per card whichever is lower
(within maximum limit of Sum Insured per member) (cards with
limit upto 5 lakh)
From 4 to 7 days Up to Transaction amount or INR 25,000 per card whichever is lower
(within maximum limit of Sum Insured per member) (cards with
limit above 5 lakh)

From 7 to 30 days Up to Transaction amount or Sum Insured per member with no limit
per card, whichever is lower

Loss Reported within 3 days No claim is payable under this Policy

Loss Reported between 4 to 7 days Up to Transaction amount or INR 10,000 per Transaction whichever
Mobile Wallet Protection *# is lower (within maximum limit of Sum Insured per member)

From 7 to 30 days Up to Transaction amount or Sum Insured per member, whichever

is lower

* Per member limit is upto Rs. 50,000

#The losses sustained by you due to fraudulent use of Mobile Payment Apps (Mobile Wallets) are covered only if there is a simultaneous physical loss of the Phone and /or Gear. Police complaint of loss of the Phone and /or Gear
shall be mandatorily required for the claim.
Specific Exclusions:
1. Any loss or damage arising out of any Card transactions which have occurred after the loss or theft of Card has been reported to the Card Issuer
2. Losses sustained, directly or indirectly, from any forgery, fraudulent or dishonest acts committed by You in respect of the Card, with intent to defraud the Card Issuer or the Insurer
3. Loss incurred due to gross negligence on your part
4. Losses sustained by you for which the Card Issuer can be held liable (including but not limited to situations where the bank is not in compliance with RBI stipulations, or in cases where banks are at fault, or where system faults
or security breaches cause erroneous debits) to make good the loss incurred by you
5. Insurer liability would be limited to the customers share of liability as per banks or Wallet companies policy subject to sum insured limit of the beneficiary
Please note that the letter only indicates the availability of insurance cover to you, subject to the conditions and exclusions contained or otherwise expressed in the said policy to the extent not exceeding the sum insured as
specified above for the entire policy period. Please refer to the CardSure Package Policy Terms and Conditions enclosed herewith for more details.
For any information on the insurance policy, you can also call the Policyholder on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or write to the Manager-Customer Services at
CPP Assistance Services Pvt. Ltd., P O Box No 826, Kalkaji Post Office, New Delhi - 110019
Yours sincerely,
For HDFC ERGO General Insurance Company Limited

R. K. Hari
Head - Corporate Underwriting
HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept, 13, 2016). CIN: U66030MH2007PLC177117.
Registered & Corporate Office: 1st Floor, 165 - 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (E), Mumbai
- 400 059. Toll-free: 1800 2 700 700 (Accessible from India only) | Fax: 91 22 66383699 | care@hdfcergo.com | www.hdfcergo.com.

CARDSURE PACKAGE POLICY TERMS AND CONDITIONS prior to the Card Loss report.
Please read this document carefully and keep it in a safe place Table I : Fraud Cover
1. Definitions
Bank - An entity licensed as a Bank under Banking Regulation Act, 1949 and permitted by the Reserve Bank of Fraud Cover Available Period before reporting (Please refer to Table – II
India to carry on banking business in India. fraudulent below for limit on Sum
Beneficiary (or Insured) - The customer of the Policyholder who has purchased the Policyholder’s assistance transaction Insured)
product and forms part of the Policyholder’s assistance product business group, thereby enabling entitlement
for coverage as an insured beneficiary under the Policy as an add-on benefit. Transactions involving PIN based frauds, From 0 to 30 days Up to Transaction amount or
Card(s) – Your credit, debit, ATM, prepaid, cash and other similar cards issued by Issuer. Phishing, Tele-phishing and Transactions Sum Insured per member with
Claim – Any claim You make as a beneficiary under the Policy following a loss or Unauthorized Use of the where OTP is not required (if card is lost/ no limit per card, whichever
Card. stolen) is lower
Family – Family to include Spouse and Parents, specifically named by the Member, entitled to use the
Policy. From 4 to 7 days Up to Transaction amount
Financial Institution – Institution as defined under section 45 I of the Reserve Bank of India Act, 1934 and or INR 10,000 per card
shall include a Non Banking Financial Company as defined under section 45 I of the Reserve Bank of India Act, whichever is lower (within
1934 maximum limit of Sum
FIR - The First Information Report issued by the local police or such other authority as is appropriate in the Insured per member) (card
circumstances. with limit upto 5 lakh)
Home – The place where You live and which You have given the address to the Policyholder, before making any
Claim. From 4 to 7 days Up to Transaction amount
Any card present or card not present
Insurer (or Company) – HDFC Ergo General Insurance Company Limited (IRDAI Reg. No. 146). or INR 25,000 per card
transaction (other than the transactions
Issuer – Bank, Financial Institution or other institution that has issued a Card to the Cardholder. whichever is lower (within
listed above)
Merchant Establishment - Establishments wherever located which honour the Card the maximum limit of Sum
OTP - Dynamic one time password issued by the Card Issuer in connection with the usage of Card. Insured per member) (card
PIN - Specific personal identification number assigned to the Cardholder by the Card Issuer in connection with with limit above 5 lakh)
the Card.
Policy – Policyholder’s proposal, the Schedule, Company’s covering letter to the Policyholder, insuring clauses, From 7 to 30 days Up to Transaction amount or
definitions, exclusions, conditions and other terms contained in the Group Policy and any endorsement Sum Insured per member with
attaching to or forming part thereof, either at inception or during the period of insurance, issued by the Insurer no limit per card, whichever
to the Policyholder, for benefit of the customers of the Policyholder. is lower
Policy Period – The 12 (twelve) month period of time that the Beneficiary is enrolled into the Policy by the
Policyholder. From 4 to 7 days Up to Transaction amount or
Policyholder – CPP Assistance Services Private Limited (‘CPP’). INR 10,000 per Transaction
Schedule - The schedule, and any annexure to it, attached to and forming part of this Policy. whichever is lower (within
Unauthorised Use – Misuse of the Card by someone else other than You. maximum limit of Sum
You, Your – The Beneficiary. Insured per member)
2. Insurance Cover and Benefits under the Policy Mobile Wallet Protection *#
Once You and Your Family Members become a part of the Policyholder’s assistance product business group, and From 7 to 30 days Up to Transaction amount
are registered by the Insurer as a Beneficiary, and thereafter if Your or Your Family Members’ Card is subject to or Sum Insured per member,
Unauthorized Use during the Policy Period, the Insurer will not pay more than the amount as mentioned in the whichever is lower
Table I and II below (‘Sum Insured’) under the Policy in any Policy Period for any loss and Claim thereon relating
to the period falling during the Policy Period and also during the thirty (30) days period before You reported the
Card Loss to the Card Issuer through Policyholder subject to Schedule I, II and III detailed below under which an
Issuer holds You or Your Family Members liable to pay as a direct result of Unauthorized Use of the Card. In no Please refer Table – II below for limit on Sum Insured, as applicable to Your Membership
event will Insurer pay You for any loss claimed by You due to Card Loss outside of a period of thirty (30) days Table II : Sum Insured
 be provided by the insurer for the Family Members.
Sum Insured for Card 3. You must provide the Insurer and/or the Policyholder with full and accurate information in connection with Your
CPP Membership Who is covered?
Fraud(in INR) Policy.
4. You must follow Your Issuer’s instructions and meet all their terms and conditions when using Your
Card Secure Plus Single Member 50,000 Card(s).
5. You shall immediately notify the nearest police station giving full particulars of the loss, which in any case should
be done within twenty-four (24) hours of actual Card Loss.
SCHEDULE - I 6. You must report Card Loss to the Policyholder by telephone, immediately after you have discovered the card
LOSS OR THEFT OF CARD/UNAUTHORIZED USE THROUGH EDC (ELECTRONIC DATA CAPTURING) loss.
TERMINALS 7. You must do all that You reasonably can to avoid making a Claim and keep your Claims as low as possible.
Specific conditions 8. You must provide the following documents while making a Claim:
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions, this • Completed claim form in English
Policy shall cover any Claim or loss resulting from the Unauthorized Use of any Card, due to loss or theft of the • Attested Copy of the FIR to Police (or stamped police notification) in regional language and translated in English/
Card, including Unauthorized Use through EDC Terminals (under which a Card Issuer holds the Cardholder Hindi.
liable to pay as a direct result of Unauthorized Use of the Card subsequent to the loss or theft of the Card), which • Card Statement certified by the concerned card division of the Issuer indicating fraudulent transactions and
has occurred up to a maximum of thirty (30) days prior to the reporting of the Card loss to the Card Issuer consumer loss liability.
through the Policyholder. • Letter of Subrogation on Rs.100 stamp paper.
Specific exclusions • Photo identity proof.
The Company will not make any payment in respect of: 9. You must be over the age of eighteen (18) years and must be a resident of India.
1. Any loss or damage arising out of Card transactions occurring outside the period of thirty (30) days prior to 10. You shall not transfer, assign or otherwise convey Your respective rights and duties under the Policy to any other
Card loss report to the Card Issuer. person.
2. Any loss or damage arising out of any Card transactions which have occurred after the loss or theft of Card 11. Renewal of this cover is solely at the discretion of the Insurer.
has been reported to the Card Issuer. 5. Claims
3. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest If You need to make a Claim for loss incurred by You due to Card misuse under the Policy, please call the Policyholder
acts committed by Cardholders in respect of the Card, with intent to defraud the Card Issuer or the any time on 1800-419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code). The
Company. Policyholder will then send You a claim form to fill in and return to the Policyholder. Your Claims under the Policy
4. Losses sustained by the Cardholders through forgery or alteration of or on any written instrument required must be received by Insurer within thirty (30) days of loss in your knowledge via atm statement, sms or net banking
in conjunction with any Card. statement etc. where in the alleged online fraud transaction/ counterfeit is reflected. All claim documents to be
5. Subject to the specific conditions applicable to Section I above, payments that the Card Issuer is legally submitted to insurer within 60 days from date of card blocking.
entitled to recover from the Cardholders, or the corporate or other legal entity agreeing to honour Card 6. Other Insurance
expenses incurred by the Cardholders for any prior periods. If, at the time of any Claim, there is, or but for the existence of this Policy, would be any other policy of indemnity or
6. The amounts refunded upon cancellation of purchases of products or services by the Cardholders. insurance in favour or effected by or on behalf of You that would be applicable to any Claim, then the Insurer shall not
7. Loss incurred due to gross/willful negligence on part of the Cardholder. be liable to pay or contribute more than its rateable proportion of any loss or damage.
8. Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with technology 7. Cancelling this Agreement
infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction (DUKPT), The Insurer and/or the Policyholder will cancel Your Policy if You have at any time:
Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card Issuer is 1. given false or incomplete information to the Insurer and/or the Policyholder; or
liable. 2. agreed to help anyone try to take money from the Insurer dishonestly; or
9. Any loss in respect of credit and debit Cards used internationally which are not EMV Chip and PIN enabled 3. You have seized to be customer of Policyholder; or
and for which the Card Issuer is liable. 4. failed to meet the terms and conditions of this Policy, or to act openly and honestly towards the Insurer.
10. Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the Card 8. Dishonest Claims
Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer will be If You make a Claim which is in any way dishonest or false or produce any false document, proof or explanation, the
liable. Insurer will refuse to make payment of any benefit under the Policy. If You receive a benefit under the Policy and the
11. Pre-delivery fraud not covered. Insurer later discovers that Your Claim was dishonest or false, the Insurer and/or the Policyholder will take steps to
LOSS ON CARD DUE TO FRAUDULENT INTERNET BASED TRANSACTIONS AND/OR MISUSE OF PIN recover from You the payment(s) made by the Insurer.
Specific conditions 9. Governing Law & Jurisdiction
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions, this These terms and conditions are governed by and must be interpreted in line with the laws of the Republic of India.
Policy shall cover losses/Claims arising out of unauthorized internet based transactions, using the authorized You, the Policyholder and the Insurer agree that all the disputes/differences arising out of or in relation to this
CVV (Card Verification Value Code) or the PIN (Personal Identification Number) issued to the Cardholder by Agreement shall be referred to the exclusive jurisdiction of and settled only by the courts in India. You and We agree
the Card Issuer, which has occurred up to a maximum of fifteen (15) days prior to the reporting of the loss/ that terms and all other communications will be issued in English.
Unauthorized Use to the Card Issuer through the Policyholder. 10. Role of the Policyholder
Special exclusions The Policyholder will merely act as an administrator in respect of the Policy. This shall give You one point of contact
The Company will not make any payment for any Claim directly or indirectly arising from, or occasioned by, or and will enable the Insurer to deal with Your Claim or query quickly and concisely.
due to: The role of the Policyholder in discharging its obligations hereunder shall be that of a mere facilitator, and the
1. Any transactions not confirmed by the host website or the authorized bank. Policyholder is not and shall not be liable to You for any Claim, loss, damage, or compensation caused in relation to or
2. Any errors made by the host website or the authorized bank. arising from or in connection with the Policy.
3. Loss incurred by the Cardholder due to online transactions, effected on Indian websites and websites hosted 11. Complaints
overseas not involving an outflow of foreign exchange from India, without the mandatory additional factor If at any time You want to tell the Policyholder about a problem with Your Policy, please call the Policyholder on 1800-
of authentication. 419-4000 (Toll-free) or +91-921244-4000 or 6000-4000 (please prefix your city STD code) or You can write to the
4. Loss incurred due to erroneous debits arising on fraudulent or other transactions, where neither the Card Manager-Customer Services at:
Issuer nor the Cardholder are at fault, but the fault lies in the system and for which the Card Issuer will be CPP Assistance Services (Pvt) Ltd.,
liable. P O Box No 826, Kalkaji Post Office,
5. Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of the New Delhi - 110019
Card Issuer. The Policyholder will make best efforts to answer Your query within five (5) working days. If the Policyholder has not
6. Any transactions made using a PIN that has not been introduced by the Card Issuer in accordance with the replied to Your complaint by then, the Policyholder will send You an acknowledgement letter to keep You informed
Reserve Bank of India’s mandate. of progress.
7. Loss incurred due to gross /willful negligence on part of the Cardholder, including, but not limited to, For full details of Insurance benefits and terms and conditions and exclusions, please refer to the Policy Terms
insufficient measures taken by the Cardholder to keep the PIN safe, and recording of the PIN in an intelligible and Conditions and Schedule issued by the Insurer. You may contact the Policyholder or the Insurer in this
form by the Cardholder. regard.
8. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest
acts committed by Cardholders in respect of the Card, with intent to defraud the Company or the Card
Issuer.
9. Any loss/Unauthorized Use occurring at a POS (Point of Sale) terminal which is not secured with technology
infrastructure, i.e., Unique Key Per Terminal (UKPT), Derived Unique Key Per Transaction (DUKPT),
Terminal Line Encryption (TLE) as per Reserve Bank of India’s guidelines for which the Card Issuer is
liable.
10. Any loss in respect of debit and credit Cards used internationally which are not EMV Chip and PIN enabled
and for which the Card Issuer is liable.
11. Pre-delivery fraud not covered.
LOSS ON CARD DUE TO UNAUTHORISED USAGE/ SKIMMING/ COUNTERFEIT/ PHISHING/ TELE-
PHISING/ COMPROMISED CARDS
Specific conditions
Subject to the conditions and limits specified in Tables – I and II in Section 2 of these terms & conditions, this
Policy shall cover losses/Claims arising out of Unauthorized Use of Cards by skimming, counterfeiting, phishing
and compromised Cards which have occurred up to a maximum of fifteen (15) days prior to the Unauthorized
Use being reported to the Card Issuer through the Policyholder.
Notwithstanding anything stated to the contrary in this Policy, this Policy shall be applicable to the
following:
1. Any Unauthorized Use of a Card where property, labor or services are sold and delivered by a merchant to
an individual purporting to be the cardholder using telephone, fax machines, postal services or a computer
based system or network.
2. Losses arising out of duplicate or counterfeit Cards issued by the Card Issuer without the Cardholder’s
knowledge.
3. Any loss or damage arising due to information obtained by unauthorized access to sensitive information,
such as usernames, passwords and any Card details, by masquerading as a trustworthy entity in an
electronic communication which is not owned, operated or contracted by the Card Issuer or its bank Card
processor.
The Cardholder must notify the Policyholder as soon as practicable, but in any event not more than twenty four
(24) hours after receipt of notification of the Unauthorized Use.
FIR or Police Intimation report is to be mandatorily submitted in case of Lost card, Unauthorized usage /
Skimming / Counterfeit/Duplication/Phishing / Compromised Cards claims
Specific exclusions
1. Any loss or damage arising out of Card transactions effected outside the period of fifteen (15) days prior to the
reporting of Unauthorized Use of the Card to the Card Issuer.
2. Any loss or damage arising out of any Card transactions which have occurred after the Unauthorized Use has
been reported to the Card Issuer.
3. Loss incurred, through use of debit Cards, due to breach of security or failure of security mechanism of the
Card Issuer.
4. Losses sustained by the Cardholders resulting, directly or indirectly, from any fraudulent or dishonest
acts committed by Cardholders in respect of the Card, with intent to defraud the Company or the Card
Issuer.
5. Loss incurred due to gross/willful negligence on part of the Cardholder, including, but not limited to,
insufficient measures taken by the Cardholder to keep his personal and sensitive information safe.
6. Pre-delivery fraud not covered.
MOBILE WALLET PROTECTION
Losses sustained by You due to fraudulent use of Mobile Payment Apps (Mobile Wallets) only if there is a simultaneous
physical loss of the Phone and / or Gear. Police complaint of loss of phone / gear shall be mandatorily required for this
purpose. Losses incurred during 3 days pre and post loss of Mobile / Device, put together is restricted to Actual Loss or
Sum Insured per member as mentioned in table below, whichever is lower:

Type of CPP Membership Sum Insured Limit Per Member (in INR)

Card Secure Plus 50,000

3. General Exclusions
This Policy does not cover Your liability to an Issuer due to Unauthorized Use of Card if:
1. Someone other than You who lives at Your Home uses the Card; or
2. Any consequential loss of whatsoever nature; or
3. The losses are suffered as a result of any act of god, natural disaster, civil war, terrorist act or any other similar
occurrence.
4. General Conditions
Your cover under this Policy depends on Your meeting the following conditions:
1. You must meet all of Insurer’s and the Issuer’s terms and conditions. This applies to terms and conditions set out
here and any others which the Insurer changes or adds to this Policy at a later date. Any change or new addition by the
insurer shall be intimated to You and shall become applicable to You from the date of such intimation.
2. You must declare the details of Your Family Members. In case you fail to do so, the Fraud Insurance Cover may not