In order for you to utilize the Face ID or Touch ID functions of our Mobile Banking Application (collectively “Face/Touch ID”), 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 Face/Touch ID on an eligible mobile device, now known or later developed, which supports the Face/Touch ID 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 Apple
Face/Touch ID utilizes Apple’s biometric technology. Apple is the provider of Face/Touch ID technology, and is solely responsible for its use and functionality. You should contact Apple’s customer service if you have any questions concerning how to use the Face/Touch ID technology or experience problems with the Face/Touch ID technology.
Citizens does not have access to your facial recognition or fingerprint information. For information on how Apple uses and stores mathematical representations of your face, your fingerprint and Keychain data, please see Apple’s Privacy Policy and iOS Security Guides. Uninstalling the Citizens Bank Mobile Banking application does not delete your Keychain data from your Device.
Account and Device Eligibility
Face/Touch ID is currently available on the Citizens Bank Mobile Banking application. You are required to have an eligible Device in order to use Face/Touch ID. Devices which have been unlocked in an unauthorized fashion or otherwise modified may not be eligible for use with Face/Touch ID. You understand and agree that the use of an ineligible Device in connection with Face/Touch ID 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 Face/Touch ID function at any time.
Privacy and Security
Be aware that the face/fingerprints stored on the Device will have access to the Citizens Bank Mobile Banking Application once Face/Touch ID has been enabled within the application. You agree that the face and fingerprints stored on this Device are authorized to access your account. Citizens recommends you not utilize Face/Touch ID if there is more than one face or set of fingerprints stored on the Device. Citizens assumes no responsibility for use of your Citizens account when it is accessed using a face or fingerprint stored on the Device.
Enabling and Disabling the Face/Touch ID Function
Only one Online Banking User ID can utilize Face/Touch ID on any given Device.
You can turn the Face or Touch ID feature on or off by swiping “Enable Face/Touch ID” on the Login and Security screen within Settings. Upon enabling Face/Touch ID, the User ID stored on the Device will be saved within this application.
The next time you enter the application you’ll be asked to log in using Face/Touch ID.
You can deactivate Face/Touch ID 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 Apple requires a passcode on the Device in order to enable Face/Touch ID, and agree to use a passcode while utilizing Face/Touch ID.
If you utilize Face/Touch ID 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 Face/Touch ID, you agree to notify Citizens immediately and deactivate Face/Touch ID.
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 Face/Touch ID. You agree to cooperate with us in connection with any resulting investigation into allegations of fraud or unauthorized use in connection with Face/Touch ID or other engagement using the mobile banking application.
Intellectual Property Disclaimer
Apple, Face ID, Touch ID, iPhone, and iPad are trademarks and service marks of Apple Inc., some or all of which are registered in the United States and other countries. Our use of these marks does not indicate any endorsement by or affiliation with Apple 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 Face/Touch ID, your account(s) or your Device, or (2) any breach of these Terms by you, any joint account holders, or any authorized users of Face/Touch ID, 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 Face/Touch ID. If you do not accept any changes to these Terms, your sole and exclusive remedy is to cease utilizing Face/Touch ID.
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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