In order for you to utilize the Fingerprint Login function of our Mobile Banking Application, you must enroll in the Online Service and execute the Citizens Bank Online Terms and Conditions (the “Online Banking Agreement”) and the Electronic Notice Disclosure and Consent, both of which are hereby incorporated by reference and are made a part of this Agreement. Other agreements you may have entered into with the Bank in connection with your Citizens Bank accounts and other services, including but not limited to, as applicable, the Personal Deposit Account Agreement (including Arbitration Agreement), Business Deposit Account Agreement, Funds Availability Disclosure, Consumer Privacy Notice, Online Privacy Policy, Fees and Features Guide, and Account Signature Card (collectively, the “Account Agreements”) are incorporated by reference and made a part of this Agreement. Terms not otherwise defined in this Agreement shall have the definition ascribed to those terms in the Account Agreements and Online Banking Agreement. In the event of a conflict between this Agreement, the Online Banking Agreement, and/or the Account Agreement, this Agreement will govern.
These Terms and Conditions (“Terms”) apply when you choose to utilize or attempt to utilize Fingerprint Login on an eligible mobile device, now known or later developed, which supports the Fingerprint Login technology (“Device”).
Within these Terms, “you” and “your” refer to the account holder of a Citizens account or any authorized user of a Citizens account. “We,” “us,” “our,” and “Citizens” refer to Citizens Bank, N.A.
Relationship to Android
Fingerprint Login utilizes Android’s biometric technology. Google is the provider of Fingerprint technology, and is solely responsible for its use and functionality. You should contact Google’s customer service or your device manufacturer if you have any questions concerning how to use the Fingerprint Login technology or experience problems with the Fingerprint Login technology.
Citizens does not have access to your fingerprint information. For information on how Android uses and stores mathematical representations of your fingerprint and Keychain data, please see your device manufacturer’s Privacy Policy and Android Security Guides. Uninstalling the Citizens Bank Mobile Banking application does not delete your Keychain data from your Device.
Account and Device Eligibility
Fingerprint Login is currently available on the Citizens Bank Mobile Banking application. You are required to have an eligible Device in order to use Fingerprint Login. Devices which have been unlocked in an unauthorized fashion or otherwise modified may not be eligible for use with Fingerprint Login. You understand and agree that the use of an ineligible Device in connection with Fingerprint Login is expressly prohibited, constitutes a breach of these Terms, and is grounds for us to suspend, terminate, or otherwise deny access to the Mobile Banking Application.
We reserve the right to suspend, disable or deactivate the Fingerprint Login function at any time.
Privacy and Security
Be aware that the fingerprints stored on the Device will have access to the Citizens Bank Mobile Banking Application once Fingerprint Login has been enabled within the application. You agree that the fingerprints stored on this Device are authorized to access your account. Citizens recommends you not utilize Fingerprint Login if there is more than one set of fingerprints stored on the Device. Citizens assumes no responsibility for use of your Citizens account when it is accessed using a fingerprint stored on the Device.
Enabling and Disabling the Fingerprint Login Function
Only one Online Banking User ID can utilize Fingerprint Login on any given Device.
You can turn the Fingerprint Login feature on or off by checking/un-checking “Enable Fingerprint Login” on the Login and Security screen within Settings. Upon enabling Fingerprint Login, the User ID stored on the Device will be saved within this application.
You can deactivate Fingerprint Login immediately on your Device by changing your account password in Online Banking. Disabling or uninstalling the Citizens Bank Mobile Banking application does not delete your Keychain data from your Device.
Lost or Stolen Devices; Unauthorized Use
You understand that Android requires a passcode on the Device in order to enable Fingerprint Login, and agree to use a passcode while utilizing Fingerprint Login.
If you utilize Fingerprint Login and (1) your Device is lost or stolen, (2) your credentials are compromised (including if you have a reasonable belief that your credentials have been compromised), or (3) you believe unauthorized person(s) have made or attempted to make transactions using Fingerprint Login, you agree to notify Citizens immediately and deactivate Fingerprint Login.
Subject to your other Account Agreement(s) with Citizens, if you fail to notify us in a timely manner, you may be liable for all or a portion of the losses associated with the unauthorized use of Fingerprint Login. You agree to cooperate with us in connection with any resulting investigation into allegations of fraud or unauthorized use in connection with Fingerprint Login or other engagement using the mobile banking application.
Intellectual Property Disclaimer
Android is a trademark of Google Inc. Our use of these marks does not indicate any endorsement by or affiliation with Google Inc.
Indemnification
You agree to indemnify, defend and hold harmless Citizens, its parent, affiliates, subsidiaries, shareholders, officers, directors, agents, employees, representatives and contractors of each of these, from any claim or demand (including attorneys’ fees) made by any third party due to or arising out of (1) your use or the use by any authorized users of Fingerprint Login, your account(s) or your Device, or (2) any breach of these Terms by you, any joint account holders, or any authorized users of Fingerprint Login, your account(s) or your Device. You agree that you will use your best efforts to cooperate with us in the prosecution or defense of any such claim(s).
Governing Law
These Terms shall be governed by, interpreted under and construed in accordance with the laws as provided in your Account Agreements.
Amendments
We may change these Terms at any time and we will provide advance notice of these changes if we are required to do so under applicable laws. You agree to any such changes by continuing to utilize Fingerprint Login. If you do not accept any changes to these Terms, your sole and exclusive remedy is to cease utilizing Fingerprint Login.
Communications
You agree to receive electronic communications from us, including emails to the email address we have on file. You further consent to receive certain text messages on your Device from us.
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