BECAUSE THESE TERMS AND CONDITIONS OF USE IMPOSE LEGAL OBLIGATIONS UPON YOU, IT IS IMPORTANT THAT YOU READ THEM CAREFULLY

Terms of Use

By using this Website (“Site”) you indicate your agreement to these terms of use ("Terms"). You further warrant and covenant that you have the power and authority to enter into this agreement. If you do not agree to these Terms, please do not use the Site and exit now.

Signing Up

Membership access to the Site and the Equitas Bank program is open to all Equitas Small Finance Bank Customers. Your membership of the Site shall be co–existent and co-terminus with your membership of the Equitas Bank program subject to your concurrence with these Terms.

Changes

We may revise these Terms at any time without prior notice by updating this page and such revisions will be effective upon posting to this page. Please check this page periodically for any changes. Your continued use of the Site following the posting of any revisions to these Terms will mean you accept those changes. We reserve the right to alter, suspend or discontinue any aspect of the Site, including your access to it. Unless explicitly stated, any new features, merchandise or services will be subject to these Terms.

Proprietary Rights

Unless otherwise stated, the contents of the Site including, but not limited to, the text, sound and images contained herein, the selection, arrangementand presentation of all materials (including information in the public domain), and the overall design of this Site are the property of The Company. They are protected by Indian and international intellectual property law. This platform of goods and services will remain dynamic. There will be new goods and services added continually to keep the redemption options refreshed for you. Equitas Bank Points need to be redeemed within one year (12 months excluding the month of accrual) of earning them. Unredeemed Equitas Bank Points will expire at the end of one year.

Purpose

You understand that the Company provides this Site for you to review the Equitas Bank Points accrued in your respective account and to enable you to redeem them by selecting products or services available on the Equitas Bank portal.

Equitas Bank Points

Earning:Equitas Bank Points can be accrued by making payments using your Equitas Small Finance Bank Debit Card at Point of Sale (POS) or online Point of Sale (e-POS) or e-commerce transactions for all your purchases. Equitas Bank Points earned by you will be credited to your account in 7 (seven) working days from the date of earning of points. The value of 1 Equinox reward point = 0.25 Paisa.

Redemption: Redemption can only be made on https://equinox.equitasbank.com/. Please note that in-store redemptions will not work at the partner outlets as the card details are not shared by the bank.

Expiry: Reward Points earned with Equitas Debit cards are valid only for 365 days from the date of accrual and any points not redeemed during this period will lapse. Point expiry is based on first-in first-out (FIFO) approach where points earned first will expire first.

Pricing and Other Errors: If the number of Equitas Bank Points you redeem for a product or service is incorrect, regardless of an error in the number of Equitas Bank Points posted on the Site or otherwise communicated to you, or if you are able to redeem a product or service that was not supposed to have been released for redemption, then The Company or our Partner will have the right to cancel that redemption and refund to you the Equitas Bank Points that you redeemed. This will apply regardless of a human/logical/transactional error.

Your use of the Site and membership of the Equitas Bank Program may be subject to additional terms and conditions stated on the Site on specific pages relevant to a feature, service or offer. These include terms governing the accrual, redemption and expiry of your Equitas Bank Points that override the above three provisions.

Reward points may be declined post validation as per internal policy, also in the event of any return of funds/reversal of transactions, the reward points will be automatically debited back from the reward point balance. For transactions cancelled by the customer, the bank will have the right to reverse the reward points given.

Convenience Fees

Customers will be charged a minimal convenience fee for different redemption choices they make using the Equinox Rewards platform. Mentioned below are the slabs of different convenience fees to be charged for several payment activities

Bill Payment/Recharge/DTH Charges:

Amount of Services (INR)	Convenience Fees (INR)
0-250	10
251-500	20
501 & Above	25

Vouchers/Gift Cards Charges:

Amount of Services (INR)	Convenience Fees (INR)
0-499	25/Voucher
500 & above	99/Voucher

Flight Tickets & Hotel Booking:

Amount of Booking (INR)	Convenience Fees (INR)
Any Booking	99/Booking

Catalogue Charges:

Amount of Services (INR)	Convenience Fees (INR)
Any Item	50/item

No Warranty

THE SITE IS PROVIDED "AS IS" WITH NO WARRANTY OF ANY KIND AND YOU USE THESE SERVICES AT YOUR OWN RISK. THE COMPANY EXPRESSLY DISCLAIMS ANY WARRANTY, EXPRESS OR IMPLIED, REGARDING THE SITE OR ITS CONTENT, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

Furthermore, some of the features, facilities and offers on this Site are provided by organizations including Partners, that the Company has made arrangements with, but over which it has no control. The Company does not guarantee or warrant that such benefits and facilities will be available nor will it be liable for any loss or damage arising from the provision, or non-provision, whether in whole or in part of any such benefits or facilities.

Limitation of Liability

UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH USE OF THE SITE, WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES SHALL THE COMPANY BE LIABLE TO YOU FOR ANY AMOUNT.

Indemnity

Whenever you use your Equitas Small Finance Bank Debit Card to obtain or utilize any of the benefits, facilities or arrangements offered or available as a result of your membership of the Equitas Bank Program, you will be personally liable for any and all costs, charges, claims or liabilities of whatever nature arising from use of such benefits, facilities or arrangements.

You agree to hold harmless and indemnify Equitas Small Finance Bank / Company, and its employees, agents and representatives, from and against any third party claim arising from or in any way related to your use of the Site, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys' fees, of every kind and nature. The Customer agrees and undertakes to indemnify and hold Equitas Small Finance Bank/ The Company harmless against all actions, claims, demands, proceedings, losses, damages, costs, charges and expenses whatsoever which Equitas Small Finance Bank may at any time incur, sustain, suffer or be put to as a consequence of the customer's gross negligence or willful default mistake/misconduct by the Customer of any of these Terms.

The Customer agrees and undertakes to defend, indemnify and hold Equitas Small Finance Bank/ Company, its directors, officers, employees, affiliates, partners, and content and service providers harmless from any and all claims, liabilities, damages, costs, expenses and proceedings, including reasonable attorneys' fees, arising in any way from your use of the Website or the placement or transmission of any message, information, software or other materials through the Website by you or users of your ID and password or related to any violation of the Terms and Conditions by you or users of your ID and password, and any claims, disputes or differences between you and any vendor/suppliers for the purpose of this offer. The existence of a dispute, if any, regarding the prizes under this offer shall not constitute a claim against the Bank.

Other Restrictions on Conduct

You shall not assign these Terms or assign any rights or delegate any obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without The Company's prior written consent. Any such purported assignment or delegation by you without The Company's prior written consent will be null and void and of no force or effect, unless otherwise expressly consented to by The Company at its sole and absolute discretion.

Severability and Enforceability

If any provision or portion of these Terms is held illegal, invalid or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms.

Termination/Exclusion

We reserve the right, in our sole discretion, to revoke any and all privileges associated with accessing and/or competing on the Site, and to take any other action we deem appropriate including but not limited to terminating or suspending your use of the Site, for no reason or any reason whatsoever, including improper use of the Site or failure to comply with these Terms.

Choice of Law and Forum

All disputes arising out of or in connection with this offer shall be settled by arbitration to be held in accordance with the provisions of the Arbitration & Conciliation Act, 1996 and referred to a sole arbitrator to be nominated by the Bank. The venue for arbitration shall be Mumbai and subject to the jurisdiction of courts in Mumbai. The existence of a dispute, if any, shall not constitute a claim against Equitas Small Finance Bank. Use of the Site is unauthorized in any jurisdiction that does not give full effect to all provisions of these Terms.

Point Earning

Equitas Small Finance Bank Debit Card holders can earn & accumulate Equitas Bank Points for all spends at Point of Sale (POS) and online purchases by using their debit cards. The amount of points you earn for every rupee you spend is mentioned in the table below:

Card Type	Transaction Value for Issuance of Points	Points Earned
Classic	200	1
Gold	200	1
Platinum	150	2
Signature	150	2
Wings	100	2
Elite	100	2

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