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The products & services Offered under this program are at the sole responsibility of the participating Merchant and at their exclusive costs consequences. SBI Card does not endorse, nor recommends the quality of the products or services being made available under this programme. SBICPSL along with its direct affiliates are alone responsible for resolving all disputes and differences in relation to SBI Credit Cards without reference to State Bank of India. However, State Bank of India along with its direct affiliates are solely responsible for resolving all disputes and differences in relation to SBI Debit Cards without reference to SBICPSL.