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Your use of the site and any of the specific services/ products available on the site shall at all times be subject to the General Terms and Conditions and the specific terms and conditions relating to use of the site and each of these services/ products. By making use of this site you hereby agree to comply with such terms and conditions (including modifications thereto) at all times.
The services and products available on the site are in accordance with the rules, regulations and guidelines as prescribed by Government of India and Reserve Bank of India from time to time and ICICI Bank makes no representations that they are in accordance with the rules, regulations and guidelines of other countries governing similar services and products.
Foreign Exchange rates are subject to fluctuations depending on market movements and other factors. Investments in foreign currency may therefore provide both opportunities and risks. Conversion of foreign currency into your home currency or any other currency may result in gain or loss depending on the prevailing applicable exchange rates. The ability of Indian residents to invest in foreign currency emanates from the Foreign Exchange Management Act, 1999 and the regulations of the Reserve Bank of India issued from time to time. The RBI, in the imminence of or during a foreign exchange crisis or in times of national emergency, may temporarily suspend or restrict sales of foreign exchange by the RBI, subject all transactions in gold/foreign exchange to licensing by the RBI and require surrender of all foreign exchange obtained by any person or entity to the RBI or as designated by the RBI at the then effective exchange rate or rates.
Consequently, your ability to continue with any investments in such situations may be adversely affected. Other exchange controls (whether in India or in the jurisdiction of the currency or investment) may be applicable from time to time. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile. In addition, partial withdrawal is not allowed. Premature withdrawal of full deposit amount is also strongly discouraged. Any pre-termination costs incurred will be deducted from the deposit. Please also obtain appropriate legal and tax advice regarding your eligibility, compliance requirements and tax status pertaining to or arising out of the investments.
Disclaimer for Products available in India for NRIs in USA:-
All Rupee Deposits, NRE saving accounts, and FCNR deposits made at any branch of ICICI Bank Limited, are subject to Reserve Bank of India ("RBI") rules and other applicable Indian laws and regulations. All deposits are payable only at the branch of ICICI Bank Limited where the deposit is made. Repayment of deposits will be subject to any act beyond the control of the bank including any act of the state, political disputes, civil commotion, war, expropriation or unrest or any other cause beyond reasonable control of the paying branch of ICICI Bank Limited. Deposits are not insured by the FDIC or CDIC or any other insurance corporation outside India. The products described above are not protected against sovereign risk including risks arising from any changes in the laws in India. For Non U.S. dollar deposits and Investments, the U.S. dollar equivalent of your principal and interest can increase or decrease, depending on foreign exchange fluctuations and the timing of your decision to convert between currencies. Account maintenance and transaction fees for any of the accounts / deposits can change from time to time based on the sole discretion of ICICI Bank Limited." Online remittances made through "Money 2 India" are governed by the RBI and Indian banking regulations and not by U.S. regulatory agencies. Charges for remittance services are subject to change from time to time at the sole discretion of the ICICI Bank Limited. Any reference to the time of delivery or other service levels are only indicative and should not be construed to refer to any commitment by ICICI Bank Limited or any other service provider. The service levels are subject to variations depending on several factors, including without limitation, the clearing house network, the other service provider etc. Mortgage loans are available only to purchase residential properties located in India. Mortgage loans are not available to finance the purchase of residential properties located in the United States. Terms of mortgage loans are governed by applicable Indian laws and are not subject to U.S. laws or regulations. Approval of a particular mortgage loan is subject to due diligence and credit review and is at the sole discretion of ICICI Bank Limited and its applicable credit policies as well as applicable Indian regulations. ICICI Bank Limited maintains its head office in Mumbai, India. The information provided herein is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject ICICI Bank Limited or its affiliates to any licensing or registration requirements." *Interest rates cited as examples of rates which may be in effect from time to time are indicative rates only and are subject to change at any time at the sole discretion of ICICI Bank Limited or its affiliates, as the case may be, and applicable Indian laws.