സ്ത്രീകള്‍ എങ്ങിനെ വസ്ത്രം ധരിക്കണം എന്ന് പുരുഷന്‍ നിഷ്ക്കര്‍ഷിക്കുന്നത് ശരിയോ? അല്ലെങ്കില്‍ തിരിച്ചും?

Tuesday, December 31, 2013

NTERNET CRIME



Internet Crime Prevention Tips

Internet crime schemes that steal millions of Rupees each year from victims continue to plague the Internet through various methods. Following are preventative measures that will assist you in being informed prior to entering into transactions over the Internet:
  • Auction Fraud
  • Credit Card Fraud
  • Debt Elimination 
  • Employment/Business Opportunities
  • Escrow Services Fraud
  • Identity Theft
  • Internet Extortion
  • Investment Fraud
  • Lotteries
  • Nigerian Letter or "419"
  • Phishing/Spoofing
  • Ponzi/Pyramid
  • Reshipping
  • Spam
  • Third Party Receiver of Funds
  • DHL/UPS

Auction Fraud

  • Before you bid, contact the seller with any questions you have.
  • Review the seller's feedback.
  • Be cautious when dealing with individuals outside of your own country.
  • Ensure you understand refund, return, and warranty policies.
  • Determine the shipping charges before you buy.
  • Be wary if the seller only accepts wire transfers or cash.
  • If an escrow service is used, ensure it is legitimate.
  • Consider insuring your item.
  • Be cautious of unsolicited offers.

Credit Card Fraud

  • Ensure a site is secure and reputable before providing your credit card number online.
  • Don't trust a site just because it claims to be secure.
  • If purchasing merchandise, ensure it is from a reputable source.
  • Promptly reconcile credit card statements to avoid unauthorized charges.
  • Do your research to ensure legitimacy of the individual or company.
  • Beware of providing credit card information when requested through unsolicited emails.
  • Beware of handing over your credit card to shop keeper or bill collector to  swipe it on the machine, try to swipe it by yourself or you are closely watching the swipe to avoid Skimming fraud.

Debt Elimination

  • Know who you are doing business with — do your research.
  • Obtain the name, address, and telephone number of the individual or company.
  • Research the individual or company to ensure they are authentic.
  • Contact the Better Business Bureau to determine the legitimacy of the company.
  • Be cautious when dealing with individuals outside of your own country.
  • Ensure you understand all terms and conditions of any agreement.
  • Be wary of businesses that operate from P.O. boxes or mail drops.
  • Ask for names of other customers of the individual or company and contact them.
  • If it sounds too good to be true, it probably is.

Employment/Business Opportunities

  • Be wary of inflated claims of product effectiveness.
  • Be cautious of exaggerated claims of possible earnings or profits.
  • Beware when money is required up front for instructions or products.
  • Be careful when the job posting claims "no experience necessary".
  • Do not give your social security number when first interacting with your prospective employer.
  • Be cautious when dealing with individuals outside of your own country.
  • Be wary when replying to unsolicited emails for work-at-home employment.
  • Research the company to ensure they are authentic.
  • Contact the Better Business Bureau to determine the legitimacy of the company.
  • Try to read the details in Rozgar Samachar/ Employment News for every vacancy in the Govt. department. Do not get lured of Govt. job advertisements, which demands money at any stage.
  • If any advertisements/person which is not registered placement service agency, asking to deposit security money/ or any amount for getting the job, research carefully, as it could be fake.

Escrow Services Fraud

  • Always type in the website address yourself rather than clicking on a link provided.
  • A legitimate website will be unique and will not duplicate the work of other companies.
  • Be cautious when a site requests payment to an "agent", instead of a corporate entity.
  • Be leery of escrow sites that only accept wire transfers or e-currency.
  • Be watchful of spelling errors, grammar problems, or inconsistent information.
  • Beware of sites that have escrow fees that are unreasonably low.

Identity Theft

  • Ensure websites are secure prior to submitting your credit card number.
  • Do your homework to ensure the business or website is legitimate.
  • Attempt to obtain a physical address, rather than a P.O. box or maildrop.
  • Never throw away credit card or bank statements in usable form.
  • Be aware of missed bills which could indicate your account has been taken over.
  • Be cautious of scams requiring you to provide your personal information.
  • Never give your credit card number over the phone unless you make the call.
  • Monitor your credit statements monthly for any fraudulent activity.
  • Report unauthorized transactions to your bank or credit card company as soon as possible.
  • Review a copy of your credit report at least once a year.
  • Banks never asks your account details on phone or through website, so beware of any one calling himself as the bank's representative asking to give details.

Internet Extortion

  • Security needs to be multi-layered so that numerous obstacles will be in the way of the intruder.
  • Ensure security is installed at every possible entry point.
  • Identify all machines connected to the Internet and assess the defense that's engaged.
  • Identify whether your servers are utilizing any ports that have been known to represent in securities.
  • Ensure you are utilizing the most up-to-date patches for your software.

Investment/ Good opportunities Fraud

  • If the "opportunity" appears too good to be true, it probably is.
  • Beware of promises to make fast profits.
  • Do not invest in anything unless you understand the deal.
  • Don't assume a company is legitimate based on "appearance" of the website.
  • Be leery when responding to investment offers received through unsolicited email.
  • Be wary of investments that offer high returns at little or no risk.
  • Independently verify the terms of any investment that you intend to make.
  • Research the parties involved and the nature of the investment.
  • Be cautious when dealing with individuals outside of your own country.
  • Contact the Better Business Bureau to determine the legitimacy of the company.

Lotteries

  • If the lottery winnings appear too good to be true, they probably are fake.
  • If you have not opted for any Lottery, winning call is absolutely false.
  • Be cautious when dealing with individuals outside of your own country.
  • Be leery if you do not remember entering a lottery or contest.
  • Be cautious if you receive a telephone call stating you are the winner in a lottery.
  • Beware of lotteries that charge a fee prior to delivery of your prize.
  • Be wary of demands to send additional money to be eligible for future winnings.
  • It is a violation of federal law to play a foreign lottery via mail or phone.
  • If any winning call asking you to deposit money in any bank account so you could get your due, be wary do not answer these call, inform police.

Nigerian Letter or "419"

  • If the "opportunity" appears too good to be true, it probably is.
  • Do not reply to emails asking for personal banking information.
  • Be wary of individuals representing themselves as foreign government officials.
  • Be cautious when dealing with individuals outside of your own country.
  • Beware when asked to assist in placing large sums of money in overseas bank accounts.
  • Do not believe the promise of large sums of money for your cooperation.
  • Guard your account information carefully.
  • Be cautious when additional fees are requested to further the transaction.

Phishing/Spoofing

  • Be suspicious of any unsolicited email requesting personal information.
  • Avoid filling out forms in email messages that ask for personal information.
  • Always compare the link in the email to the link that you are actually directed to.
  • Log on to the official website, instead of "linking" to it from an unsolicited email.
  • Contact the actual business that supposedly sent the email to verify if the email is genuine.

Ponzi/Pyramid

  • If the "opportunity" appears too good to be true, it probably is.
  • Beware of promises to make fast profits.
  • Exercise diligence in selecting investments.
  • Be vigilant in researching with whom you choose to invest.
  • Make sure you fully understand the investment prior to investing.
  • Be wary when you are required to bring in subsequent investors.
  • Independently verify the legitimacy of any investment.
  • Beware of references given by the promoter.

Reshipping

  • Be cautious if you are asked to ship packages to an "overseas home office."
  • Be cautious when dealing with individuals outside of your own country.
  • Be leery if the individual states that his country will not allow direct business shipments from the United States.
  • Be wary if the "ship to" address is yours but the name on the package is not.
  • Never provide your personal information to strangers in a chat room.
  • Don't accept packages that you didn't order.
  • If you receive packages that you didn't order, either refuse them upon delivery or contact the company where the package is from.

Spam

  • Don't open spam. Delete it unread.
  • Never respond to spam as this will confirm to the sender that it is a "live" email address.
  • Have a primary and secondary email address - onefor people you know and one for all other purposes.
  • Avoid giving out your email address unless you know how it will be used.
  • Never purchase anything advertised through an unsolicited email.

Third Party Receiver of Funds

  • Do not agree to accept and wire payments for auctions that you did not post.
  • Be leery if the individual states that his country makes receiving these type of funds difficult.
  • Be cautious when the job posting claims "no experience necessary".
  • Be cautious when dealing with individuals outside of your own country.

DHL/UPS


  • Beware of individuals using the DHL or UPS logoin any email communication.
  • Be suspicious when payment is requested by money transfer before the goods will be delivered.
  • Remember that DHL and UPS do not generally get involved in directly collecting payment from customers.
  • Fees associated with DHL or UPS transactions are only for shipping costs and never for other costs associated with online transactions.
  • Contact DHL or UPS to confirm the authenticity of email communications received.

Courtesy : http://wopostbank.blogspot.in/

Need help putting this slideshow on your website?



Embedding albums, images, and slideshows

You can jazz up your blog or website by embedding a slideshow, album, or image. All it takes is a small snippet of HTML that you paste in the source code for your blog or website. Here's how to get it:

Slideshow

You can embed a Flash slideshow of any web album. It'll be automatically updated when you make changes to your album. Follow these steps to embed a slideshow:
  1. On the My Photos page, click your album.
  2. Click Link to this album on the right-hand side.
  3. Click Embed Slideshow.
  4. Choose your slideshow settings, such as image size, captions, and autoplay.
  5. Once you've chosen your settings, copy the resulting HTML code (Ctrl-C).
  6. Paste the HTML in the source code for your site (Ctrl-V).

An album

When you embed an album in your site, the album cover will display. Viewers who click the cover image will then be taken to view the album in Picasa Web Albums. Follow these steps to embed an album:
  1. On the My Photos page, click your album.
  2. Click Link to this album on the right-hand side.
  3. Copy the HTML (Ctrl-C) in the 'Paste HTML to embed in website' field.
  4. Paste the HTML (Ctrl-V) in the source code for your site.

An image

Follow these steps to embed a Picasa Web Albums image in your site.
  1. On the My Photos page, click your album.
  2. Click the photo you'd like to embed.
  3. Click Link to this Photo on the right sidebar.
  4. Set the following preferences:
    • Select your preferred image size.
    • Select 'Hide album link' to remove a link to the containing album, which is displayed by default with the image.
    • Select 'Image only (no link)' to get the image URL by itself, with no link back to Picasa Web Albums.
  5. Copy the HTML (Ctrl-C) in the 'Embed image' field on the right-hand side.
  6. Paste the HTML (Ctrl-V) in the source code for your site.
Source : https://support.google.com/picasa/answer/66969

Revised Delivery Norms for Speed Post



D.G. Posts No. 13-45/2008-D dated 10/11/.12.2013


The norms for delivery of Speed Post articles have in the past been revised from time to time and are also contained in the Citizen’s Charter of the Department. The existing delivery norms for Speed Post are follows:
(a) Local (within municipal limits) : 2 days
(b) Between one to another metro city (included the six metro cities i.e. Delhi, Mumbai, Kolkata, Chennai, Bangalore and Hyderabad) and limited to Municipal limits of these cities: 2 days
(c) Rest of the country: 4 to 6 days.
2. The norms mentioned above are further qualified by stating that they exclude the day of posting, Sundays and Holidays that they denote maximum time and apply only to the articles booked before the cut-off time.
3. The matter relating to revision of the existing norms for delivery of Speed Post articles was under consideration of this Directorate, and the following has been decided in this regard:
(a) New delivery (transit) norms have been worked out on a city-to-city basis for 87 cities where Speed Post Sorting Hubs are located (excluding 1 CBPO & 2 CBPO). The new delivery norms are being circulated to all concerned by e-mail along with this O.M. The same may be downloaded.
(b) The new norms for a pair of cities have been prescribed in terms of a range. For example,
the delivery norms between Mumbai and Pune is “1 to 2 days, i.e. D+1 to D+2 where “D” is the day of booking.
(c) The new norms would be restricted to the municipal limits of a city (covering only TD PIN codes) under reference.
4. The new delivery norms for Speed Post would be subject to the conditions that:
* They are limited to 87 cities, and municipal limit within these cities,
* They do not apply to the articles booked after the cut-off time on a day(normally) taken as 3 or 4 pm for booking counters at post offices or as decided by the Circle concerned) and an extra day may be added in such cases,
* The delivery norms do not include Sundays and holidays,
* Delay occurring due to curfew, bandh or strike in a particular city mayadversely affect delivery norms,
* Delay occurring due to cancellation of flights/trains/buses/other means of transport for carriage of mail or off-load / non-carriage of mail by the carriers due to any reason is beyond the control of the Department, and therefore, the same may adversely affect delivery norms.
* Beyond the cities mentioned under the delivery norms document, extra days may be required which would vary from place to place..
5. Circles may give wide publicity to the new norms among the public and display the norms in the shape of a matrix of prominent/frequently-used destinations at the post office as display of entire matrix perhaps may not be possible.
6. The new delivery norms would also be placed on India Post website in a user-friendly format so that a user could easily find delivery/transit norms between a pair of cities. In the interim, a PDF version of the document is being uploaded on the Departmental website.
7. This O.M. supercedes all previous instructions on Speed Post Delivery Norms issued by this Directorate/Business Development Directorate.
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Change your behaviour to develop yourself as a leader


Developing yourself as a leader is not easy: behavioural change is hard, time consuming, and frustrating. However, removing the five most common roadblocks to change can make your path to self improvement better: 


1) Take ownership. If you don't think you can change, you can't. Believe in your ability to change and take ownership before getting started. 


2) Be patient. Positive, lasting results take time, usually 50% to 100% longer than most people initially think. 

3) Accept difficulties. Real change takes real work. When setting out, be prepared to face challenges you didn't anticipate. 


4) Refuse to be distracted. Something more important will inevitably come up. You need to make your development a priority and refuse to let distractions divert your path. 


5) Maintain. Once you've started to see traction, don't declare victory. Sustainable change requires maintenance over a lifetime. 


Monday, December 30, 2013

Happy New Year Greetings



To all my dearest, sweetest and most loving Views.............
Happy New Year 2014 wallpaper awesome1 Happy New Year 2014 wallpaper and background Funny
A Beautiful Year is Waiting 4 u,
Walk vth aims,Run vth Confidence,

Fly vth ur Achievements,

May U Have a Lovely Year ahead..

Happy New Year 2014.







 2014പുതുവത്സരാശംസകള്‍ 2014
പ്രതിക്ഷയോടെ  പുതുവര്‍ഷം !!!!
നിരവധി സങ്കടങ്ങളും 
സന്തോഷങ്ങളും  സമ്മാനിച്ച 
 ഒരു വര്‍ഷം നമ്മെ വിട്ടുപിരിയുന്നു .പുതുവര്‍ഷത്തേക്ക്  കാലുകുത്തുമ്പോള്‍  നമുക്ക്  നന്മകളും അനുഗ്രഹങ്ങളും പ്രതിക്ഷികം 
ഐശ്വര്യ പൂര്‍ണമായ  ഒരു  നവവത്സരംആശംസിക്കുന്നു !!!
ഹ്യദയപൂര്‍വ്വം 
സുജീന്ദ്രബബു  തലവടി  
തിരുവല്ല  ആര്‍ .എം .എസ്  

പുതുവര്‍ഷം വീണ്ടും

happy kids-happy new year
പുതുവര്‍ഷം വീണ്ടും പുലരുന്നു
പുതുമകള്‍ ഒന്നുമില്ലാതെ
പുലരികള്‍ എല്ലാം പുതുതാണ്
പുലമ്പുന്നു നാം ഹായ് പുതുവര്‍ഷം
പുതുതായ് പലതുമുണ്ടാകുന്നു
പുതുസംസ്കാരം പിറക്കുന്നു
പുതു തലമുറ പുല്‍കുന്നു
പുതുമ കാണുന്നതൊക്കെയും
പൂക്കളും പൂമ്പാറ്റയും
പൂവണിഞ്ഞ മുറ്റവും
പുത്തനുണര്‍വ് നല്‍കിയ
പുലര്‍കാലം ഇന്നന്യമായ്
പുതുമകള്‍ തേടുന്ന ബാല്യങ്ങളെ
പുതിയ പന്ഥാവില്‍ തെളിക്കുമല്ലോ
പൂപോലെ നൈര്‍മല്യമായ ഹൃത്താല്‍
പുഞ്ചിരി തൂകി പുതുമ നല്‍കാന്‍
പുതു വിപ്ലവങ്ങള്‍ പുറത്തിരുത്തി
പുതുമയില്ലാത്ത  പുങ്കവരെ
പൂര്‍ണ  തുണയുമായ് ലോക പോലീസ്
പൂര്‍ണമായ് തന്നെ തുടച്ചുനീക്കാന്‍

Friday, December 27, 2013

Indiapost Started Internet Banking.





India Post started Internet Banking in selected locations in continuation of migration to the CBS FINACLE, Core Banking Solution from Infosys.  In Tamil Nadu Circle Greams Road Post Office of Chennai City Central Division has been rolled out for CBS on 16.12.2013 for the first time and all other identified offices in pilot Circles will be migrated in coming days. The India Post Internet banking site can be accessed through URL   https://ebanking.indiapost.gov.in/



Following facilities are available for DOP e banking portal user:









My Profile:
         1. Change 'Sign-on' and Transaction Password.
         2. Set Preferences.
         3. Update channel id.
         4. View personnel details.









Accounts:
         1. Accounts Summary.
         2. Savings accounts details.
         3. RD account details.
         4. PPF accounts details.
         5. TD accounts details.
         6. NSC Account details.
         7. Loan on RD details.
         8. Loan on PPF details.
         9. Tax deducted at source details.









Transactions:
         1. Manage Payee.
         2. Manage Billers.
         3. Initiate funds Transfer with in DOP.
         4. Funds transfer outside DOP.
         5. PPF account withdrawal.
         6. View scheduled transactions.
         7. Pay PPF Account/Repay Loan on PPF.
         8. View recurring instructions.
         9. Pay RD account.
         10. View All Transactions.
         11. Repay Loan on RD.









General Services:
         1. Mails.
         2. Inquiry Facility.
         3. Service Requests.













































 Terms and Conditions
1. Definitions:



         In these Terms of Service (Terms & Conditions), unless the context indicates otherwise, the following words and phrases shall have the meanings indicated against them:



              The Department of Posts comes under the Ministry of Communications and Information Technology. The Postal Service Board, the apex management body of the Department, comprises the Chairman and six Members. The six members of the Board hold portfolios of Personnel, Operations, Technology, Postal Life Insurance, Human Resources Development, Planning respectively. The Joint Secretary and Financial Advisor to the Department is a permanent invitee to the Board. The Board is assisted by a senior staff officer of the Directorate as Secretary to the Board. Deputy Directors General, Directors and Assistant Directors General provide the necessary functional support for the Board at the Headquarters.



              DoP refers to Department of Posts.



              The Site means   https://ebanking.indiapost.gov.in/



              Internet Banking Services are one of the services offered by Department of Posts which provide access to account information, products and other services (including Transaction of financial and non-financial in nature) as advised by the Department from time to time to the customers through the internet banking website.



              User refers to a customer of Department of Posts who is authorized to use Internet Banking Services.



              Confidential Information refers to the information obtained by the customer through the Department of Posts for availing various services through e-Banking.



              Personal Information refers to the information about the User obtained by the Department of Posts in connection with the Internet Banking Service.



              Account refers to the User's Savings and/or RD and/or or any other type of account so designated by the Department of Posts to be eligible account(s) for the operations through the use of Internet Banking.



              In the event of new accounts opened by the User under the same CIF in future, then the Terms of Service (Terms & Conditions) shall automatically apply to such further use of the Internet Banking by the User.



              In case of accounts opened for and on behalf of minors, the Internet Banking facility shall not be made available to the minor. The natural guardian of the minor shall be permitted to use Internet banking with only 'Limited Transaction'rights. The natural guardian shall undertake to give all instructions relating to the operation of the account and further undertake not to reveal the User ID and Password to the minor, which if done so, will be at the risk and consequences of the guardian and Department of Posts shall not be liable for any loss on that account in case the account is operated by the minor. In such an event the transaction will be deemed to have been undertaken by the guardian.



              Third party product refers to any product and/or service of third party which is offered by or through the intermediary of Department of Posts.



              Customer refers to Customer named in the Application Form and shall, where the context requires, include any authorized representative of the Customer.



              Internet Banking Services refers to a service offered by Department of Posts through which a registered Customer may conduct enquiries or perform transactions on the Internet banking website   https://ebanking.indiapost.gov.in/



              SMS Password refers to one time 8 digit pass code that would be sent to a customer's mobile number registered on the record of Department of Posts.



              Instruction means any request or instruction that is received from the customer by the Department of Posts through Internet Banking services.









2. Applicability of Terms & Conditions:



          These Terms mentioned herein form the contract between the User using the Internet Banking services and Department of Posts. By applying for Internet Banking Services and accessing the service, the User acknowledges and accepts these Terms of Service (Terms & Conditions). Any conditions relating to the accounts of customer other than these Terms will continue to apply except that in the event of any conflict between these Terms and the account conditions, these Terms will continue to prevail. The agreement shall remain valid until it is replaced by another agreement or terminated by either party or account is closed, whichever is earlier.









3. Application of Internet Banking Services:



          Department of Posts may offer Internet Banking services to selected customers at its discretion and has the right to accept or reject such application as may be submitted by the users. The Customer acknowledges that he/she possesses knowledge of the Internet usage and will have legal access to the Internet. Customers willing to utilize the e-Banking services may approach the Post Office, where their account is maintained or willing to open their account, in person for registering themselves. Department of Posts will advise from time to time regarding the Internet software such as Browsers, which are required for using Internet Banking services. There will be no obligation on the part of the DoP to support all the versions of this Internet software.









4. Internet Banking:



          The information provided to the user through the Internet Banking is not updated continuously but at regular intervals. Consequently, any information supplied to the user through Internet Banking will pertain to the date and time when it was last updated and not as the date and time when it is supplied to the user. Department of Posts shall not be liable for any loss that the user may suffer by relying on or acting on such information. Department of Posts may keep its records of the transactions in any form it wishes. In the event of any dispute, the DoP records shall be binding as the conclusive evidence of the transactions carried out through Internet Banking in the absence of clear proof that the DoP's records are erroneous or incomplete. Any request for any service, which is offered as a part of Internet Banking, shall be binding on the user as and when the DoP receives such a request. If any request for a service is such that it cannot be given effect to unless it is followed up by requisite documentation on part of the user, the Department of Posts shall not be required to act on the request until it receives such documentation from the user. The USER understands that the DoP shall be bound by any circulars and directives issued by the Ministry of Finance/Reserve Bank of India with regard to the maintenance and operation of deposit accounts from time to time. The USER acknowledges and undertakes to be equally bound to comply therewith. The USER also hereby absolves and holds blameless the Department of Posts from any claim or damages in respect of any delay on the part of the DoP in carrying out any instructions given by the USER over the internet, where such delay is on account of technological failure, or other reasons beyond the control of the Department of Posts. In cases of technological failure, DoP shall endeavour to keep the downtime to the minimum.









5. Un-authorized Access:



          The user shall take all necessary precautions to prevent unauthorized and illegal use of Internet Banking and unauthorized access to the Accounts provided by Department of Posts e-Banking services. DoP shall take all commercially reasonable care to, ensure the security of and to prevent unauthorised access to the Internet Banking using commercially reasonable technology available in India to the Department of Posts. The USER shall also be responsible for maintenance of the secrecy of the personal details of the ACCOUNTS at all times. If the USER fails to keep secret such personal details of the ACCOUNT, then, the Department of Posts shall stand absolved of all obligations under this AGREEMENT. The user shall ensure that e-Banking service offered by DoP or any related service is not used for any purpose which is illegal, improper or which is not authorised under these Terms. If any USER has any reason to believe that there is any unauthorized access of his or her ACCOUNT, the USER shall immediately intimate the DoP at the Post Office branch. The USER understands and recognizes that in matters of unauthorized access, time is of the essence, for speedy detection and prevention. Therefore, any failure on the part of the USER to speedily notify DoP, shall absolve the DoP of any further responsibility with respect to such unauthorized access.









6. Internet Banking access and Passwords:



          The user would be allotted an Internet Banking user-id and user password & transaction password by Department of Posts in the first instance. The user will be required to change the password assigned on accessing Internet Banking for the first time. As a safety measure, the user shall change the password as frequently thereafter. In addition to user-id and password DoP may, the user may setup PAM (Personal Access Message) during the first time login. This message will be displayed during the user password entry screen to show the authenticity of the Internet banking site.









7. Joint Accounts:



          The user desirous of using the POSB account should be either the account holder Or sole signatory or authorized to act independently in case of a joint account. For such joint account, one user-ID and password will be issued to each of the joint account holders when requested. The other joint account holders shall expressly agree with the arrangement and give their consent on the application form for use of the account. In case of joint accounts operated by more than one user, Department of Posts shall act on the instruction received first and any subsequent instruction shall be neglected. All correspondence will be addressed to the first named person only. All transactions arising from the use of the Internet Banking services in the joint account shall be binding on all the joint account holders, jointly and severally.









8. Service Charges:



          Department of Posts reserves the right to charge and recover from the user service charges for providing the e-Banking services. Services charges may be changed periodically by the department. The user hereby authorizes Department of Posts to recover the service charges by debiting one of the Savings accounts of the user or by sending a bill to the user who will be liable to make the payment within the specified period. Failure to do so shall result in recovery of the service charges by department in a manner as the DoP may deem fit along with such interest, if any, and/or suspension of the facility of e-Banking services without any liability to the department.









9. Minimum Balance maintenance and Charges:



          The USER shall maintain, at all times such minimum balance in account(s) as the Department of Posts may stipulate from time to time. DoP may, at its discretion, levy penal charges for non-maintenance of the minimum balance. In addition to the minimum balance stipulation, DoP may levy service charges for use of Internet Banking, which will be advised to the USER at the time of opening the account. Any further change in the fees shall be notified on the DoP Web site. The USER authorises DoP to recover all charges related to Internet Banking as determined by DOp from time to time by debiting one of the USER's accounts. However at present there are no charges levied. DoP may withdraw the Internet banking facility, if at any time the amount of deposit falls short of the required minimum as aforesaid and/or if the service charges remain unpaid, without giving any further notice to the USER and/or without incurring any liability or responsibility whatsoever by reason of such withdrawal. DoP shall not be obligated to intimate the withdrawal of such facility over the internet.









10. Transfer of Funds through DoP Internet Banking:



          The User accepts that he will be responsible for keying in the correct account number for the fund transfer request. In no case, DoP will be held liable for any erroneous transactions incurred arising out of or relating to the customer entering wrong account numbers. The User shall not attempt to transfer funds without sufficient funds in the related Account. In case of insufficient funds, DoP is not responsible for non-execution /non-payment/breakage of Time deposit accounts of the Accounts linked to the subject Account or of any consequences thereof. DoP shall not be liable for any omission to make all or any of the payments or for late payments due to circumstances beyond its reasonable control. If the funds transfer is made available to the User, it may be used for transfer of funds from the subject Account to other accounts belonging to third parties maintained at DoP and/or at any other Bank which falls under the network of the Reserve Bank of India's Electronic Funds Transfer System. However RTGS/NEFT and other bank payments are not available with DoP Internet banking as of now and it will be established in the near future.









11. Personal Information disclosure:



          The USER agrees that the Department of Posts or its vendors may hold and process his PERSONAL INFORMATION on system or otherwise in connection with Internet Banking services as well as for statistical analysis and credit scoring. The USER also agrees that DoP may disclose, in strict confidence, to other institutions, such "PERSONAL INFORMATION" as may be reasonably necessary for reasons inclusive of, but not limited to, the following:



              Participation in any telecommunication or electronic clearing network.


 Source: India Post website