HDFC Bank Ltd (“Bank”) has made the HDFC Bank OnChat page available to Techbins Solutions Pvt. Ltd (“Techbins”) on which Techbins will extend their services or products on no recourse to the Bank basis. All goods purchased and/or services availed through this platform/medium would be through Techbins, and not through the Bank. You will be conversing with “Niki.AI”, owned and managed by Techbins, and not with the Bank. It shall be at your exclusive discretion to interact or not on this platform with Techbins or Niki.AI, or through this page. The Bank shall not be deemed to have made any offer or induced or invited you to offer or to avail of or buy any products or services or to chat on this page. Techbins or Niki.AI is acting independently and not acting in any agency, or any other capacity of or for or on behalf of the Bank, and is not authorised to make any representation on behalf of the Bank. In case you have any queries/complaints/grievances including with regard to the products/services being provided, you will contact Techbins directly and the Bank shall not be responsible or liable in any manner whatsoever. All electronic medium including this page could be susceptible to security breach, data theft, frauds, system failures, none of which shall be the Bank’s responsibility. Your interactions, chats, deals, transactions shall be at your own risk, and assessment.