Union Bank of India (UBI) offers you to use its Application Program Interface ("API") through the UBI Innovation Centre portal to enable you to enhance your products and services offerings to your concerned customers. By accepting this, you (“User”) and your controlled affiliates, wherever applicable, agree to enter into a legally binding agreement with UBI and its affiliates (collectively called ‘UBI’ or ‘Bank’) regarding use of UBI’s API Content, Marks (each as defined below) API Data and Application Programming Interface (“API”). The terms and conditions governing such use of UBI Innovation Centre portal and its API are as under:The terms and conditions governing such use of UBI Innovation Centre portal and its API are as under:
1.1 “Affiliate” means, with respect to either party, any partnership, joint venture, corporation, limited liability company, association or other legal entity, however organized (a “Person”) that now or hereafter directly or indirectly through one or more intermediaries, controls, or is controlled by or is under common control with the party in question. For the purpose of this definition, “control” together with grammatical variations when used with respect to any Person, shall mean the power to direct the management and policies of such Person; directly or indirectly.
1.2 “APIs or Mock APIs” means those APIs (“API”) made available via the UBI Innovation Centre portal which contains dummy data and are not linked to production environment and access to which is provided to you.
1.3 “API Content" means data or information made available by the Bank or delivered through a particular API, subject to the terms and conditions identified below.
1.4 “API Data” means any data or other content that UBI make available on or through the UBI Portal.
1.5 “API Key” means the unique API Key that UBI issue to you to enable your App to access an API.
1.6 “App” means any software application that you develop, or intend to develop, through the use of an API.
1.7 “Innovation Centre portal” refers to the online portal which UBI will make available to enable access to APIs and an Innovation Centre for application development.
1.8 “Data Set” means any data set forming part of the API Data.
1.9 “Your Content” means information, material or other works (including any App and computer code forming part of such App) which is available on the Union Bank Innovation Centre portal and which is developed, created or placed on the Union Bank Innovation Centre portal by you.
1.10 “Innovation Centre” here means a testing environment that isolates untested code changes and outright experimentation from production environment. It can be used to mimic the characteristics of production environment and create simulated responses from all APIs the application relies on.
1.11 'Site' mean UBI Innovation Centre portal and it’s associated APIs.
(c) To gain access to the Innovation Centre portal, after you have provided UBI with certain required information, UBI may in its discretion elect or reject to send you an invitation email without giving any reason for the same. You must ensure that any information you provide in relation to is correct and complete and also to keep such information up to date and accurate throughout the term. The said invitation email will have login credentials assigned to you, which will allow you to create your online developer account for the purpose of necessary access to the APIs/Mock APIs shared by UBI. The login credentials assigned to you shall be confidential in nature, which cannot be shared or divulged with any unauthorized person in any manner whatsoever.
(e) Once you have been registered in the UBI Innovation Centre portal and wish to access and use the APIs release by UBI, you will need to apply separately for an API Key. The API Key allotted to you shall be proprietary and confidential to Bank, you are not permitted or authorized to share or copy or reverse engineer the APIs, keys or data provided on the portal the same in any manner whatsoever . On a case-to-case basis, UBI may grant you access to certain APIs and related software that UBI make available through the Innovation Centre portal, as well as relevant API/integration documentation. An API Key for an App will, initially, allow you access to our Innovation Centre environment, which contains mock data. You will need to apply for:
(i) A new API Key for each new App;
(ii) Our approval, and, if UBI require it, a new API Key, for each update or new version to or of an App; and
(iii) Our approval each time you move an App from the Innovation Centre environment to the production environment, which allows access to production data.
(f) UBI may require certain additional information, documentation or clarification in respect of any Application(s) you make for an API Key shared by UBI and/or for approval of UBI and you shall provide such information, documentation or clarification to the satisfaction of the Bank. UBI in its sole and exclusive discretion, reserves the right either to proceed with or not to proceed with your Application(s) which you have made for API Key allocated to you, until you have provided such information, documentation or clarification to the satisfaction of Bank. In such case UBI may take into account the nature and purpose of your App and background of you and/or your company/employer/agent in considering any Application(s) you make.
(g) You must comply with and act in accordance with all instructions and other requirements as stated on and/or made available by UBI in relation to the Innovation Centre portal. You must also comply with all legal requirements and refrain from creating content that is unlawful or otherwise objectionable, or that may harm UBI’s reputation or the integrity of the financial system.
(h) You shall not use any content on the UBI Innovation Centre portal for any purpose other than in accordance with these Terms and shall restrain from doing anything which may have any adverse effect on operation or security of Innovation Centre portal, its services and/ or systems.
UBI may also require that Your Application(s) made for API Key allocated to you, must comply with certain privacy policies, end user obligations, and procedures that UBI will stipulate from time to time. Further, your Application(s) including its development processes will be subject to an audit and must employ secure techniques and rigorous testing parameters.
Further, you agree the followings: (i) Not to Reverse engineer, reverse compile, decrypt, deobfuscate, unmask, or reverse assemble all or any portion of this website, any Developer Content or any Developer Token (as defined below); or (ii) Not to distribute, disclose, publish, market, sell, rent, lease, sublicense or assign to any third party any Developer Content to which you have access under these terms unless otherwise specifically authorised in writing by UBI.
Whatsoever the knowledge or confidential information you gained or received while having access or using the Innovation Centre portal, you must treat such information with strict confidentiality and shall not disclose the same to third parties. You shall not disclose any such data or Confidential Information except to its employee if and to the extent they need to know such confidential information to perform the obligation in accordance with these terms and provided that for not any purpose other than covered herein. You shall use best endeavours to prevent the disclosure or access to the confidential information to any third party and shall use reasonable degree of care to protect all such confidential information and in any event not less than the degree of care in accordance with the security and privacy standard/ policy of the Bank. You shall immediately report to us the occurrence of any Cyber Incident that has compromised our information or data. In such report you shall identify (i) the nature of the unauthorized use or disclosure, (ii) the information used or disclosed, (iii) who made the unauthorized use or received the unauthorized disclosure, (iv) what you have done or shall do to mitigate the effects of the unauthorized use or disclosure, and (v) what corrective action you have taken or shall take to prevent future similar unauthorized use or disclosure. You agree to fully reimburse and hold us harmless promptly and without any demur, in respect of all costs, expenses, damages and liabilities arising out of or in any manner connected with a Cyber Incident. The obligation for confidentiality and data protection shall be observed by you both during the continuance as well as termination of these terms.
In case any provision of these Terms is or becomes illegal, invalid or unenforceable, the legality, validity or enforceability of any other provision will not be affected.
If you do not comply with these Terms and UBI does not take action immediately, this doesn’t mean that UBI waives any rights.
UBI may transfer its rights and/or obligations under these Terms to a third party. Your rights and obligations under these Terms cannot be transferred or assigned.