WhatsApp कानूनी जानकारी

हम आपकी गोपनीयता का बेहद आदर करते हैं. हमने गोपनीयता के कड़े सिद्धांतों को मन में रखकर अपनी सेवाओं का निर्माण किया है. हमारी अपडेट की गई शर्तों और गोपनीयता नीति में आप निम्नलिखित पाएँगे:

• जानकारी जिसे आसानी से समझा जा सके. हमारी अपडेट की गई शर्तों और गोपनीयता नीति को आसानी से समझा जा सकता है और इसमें WhatsApp कॉलिंग और साथ ही वेब और डेस्कटॉप के लिए WhatsApp जैसी हमारी नई विशेषताओं को दर्शाया गया है.
• हम 2014 में Facebook से जुड़े. अब WhatsApp Facebook के परिवार का हिस्सा है. हमारी गोपनीयता नीति से यह जाना जा सकता है कि हम अपनी सेवाओं और प्रस्तावों को बेहतर बनाने के लिए एक साथ कैसे काम करते हैं, जैसे हमारे सभी ऐप्स पर स्पैम रोकना, उत्पाद के लिए सुझाव देना और Facebook पर उचित ऑफ़र और विज्ञापन दिखाना. आप WhatsApp पर जो कुछ भी साझा करते हैं जैसे संदेश, फ़ोटो या खाते की जानकारी, वह न तो Facebook पर और न ही हमारे परिवार के किसी और ऐप पर दूसरों को दिखाने के लिए साझा की जाएगी और आप उन ऐप्स पर जो कुछ भी पोस्ट करेंगे, वह WhatsApp पर दूसरों को दिखाने के लिए साझा नहीं किया जाएगा.
• आपके संदेश आपके हैं और हम उन्हें नहीं पढ़ सकते हैं. हमने WhatsApp पर गोपनीयता, शुरू से अंत तक एन्क्रिप्शन और अन्य सुरक्षा विशेषताएँ स्थापित की हैं. हम आपके संदेशों को प्राप्तकर्ता को पहुँचाने के बाद स्टोर नहीं करते हैं. जब आपके संदेश शुरू से अंत तक एन्क्रिप्टेड होते हैं, तो न ही हम और न ही कोई तीसरा पक्ष आपके संदेशों को पढ़ सकता है.
• तीसरे-पक्ष के बैनर विज्ञापन नहीं. हम तीसरे पक्ष के बैनर विज्ञापनों को WhatsApp पर अभी भी अनुमति नहीं देते हैं.
• WhatsApp का उपयोग करने के नए तरीके. हम WhatsApp पर आपके और बिज़नेस के लिए बातचीत करने के नए तरीके ढूँढेंगे, जैसे ऑर्डर, लेन-देन, अपॉइंटमेंट की जानकारी, डिलीवरी और शिपिंग की सूचना, उत्पाद और सेवा की जानकारी और विपणन. उदाहरण के तौर पर, आपको अपनी यात्रा से पहले ही फ़्लाइट की स्थिति की जानकारी मिल सकती है, खरीदी गई वस्तु की रसीद या किसी डिलीवरी की सूचना मिल सकती है. हो सकता है कि विपणन से संबंधित संदेश में आपको कोई ऑफ़र प्राप्त हो, जिसमें आपकी दिलचस्पी हो. हम नहीं चाहते कि आपको स्पैम का अनुभव हो. अन्य संदेशो की तरह आप इन संदेशों को भी प्रबंधित कर सकते हैं और हम आपके द्वारा चुने गए विकल्पों का आदर करेंगे.
• आपके पास मौजूद विकल्प. अगर आप मौजूदा उपयोगकर्ता हैं, तो आपके पास विकल्प है कि आप Facebook के विज्ञापन और उत्पादों के अनुभव को बेहतर बनाने के लिए अपने WhatsApp खाते की जानकारी को Facebook के साथ साझा करने से मना कर दें. मौजूदा उपयोगकर्ता जो हमारी अपडेट की गई शर्तों और गोपनीयता नीति को स्वीकार करते हैं, उन्हें यह विकल्प चुनने के लिए अतिरिक्त 30 दिन मिलेंगे. आप सेटिंग्स > खाता में जाकर यह विकल्प चुन सकते हैं.

WhatsApp Inc. (“WhatsApp,” “our,” “we,” or “us”) provides messaging, Internet calling, and other services to users around the world. Please read our Terms of Service so you understand what’s up with your use of WhatsApp. You agree to our Terms of Service (“Terms”) by installing, accessing, or using our apps, services, features, software, or website (together, “Services”).

NO ACCESS TO EMERGENCY SERVICES: There are important differences between WhatsApp and your mobile and fixed-line telephone and SMS services. Our Services do not provide access to emergency services or emergency services providers, including the police, fire departments, or hospitals, or otherwise connect to public safety answering points. You should ensure you can contact your relevant emergency services providers through a mobile, fixed-line telephone, or other service.

IF YOU ARE A WHATSAPP USER LOCATED IN THE UNITED STATES OR CANADA, OUR TERMS CONTAIN A BINDING ARBITRATION PROVISION, WHICH STATES THAT, EXCEPT IF YOU OPT OUT AND EXCEPT FOR CERTAIN TYPES OF DISPUTES, WHATSAPP AND YOU AGREE TO RESOLVE ALL DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION, WHICH MEANS THAT YOU WAIVE ANY RIGHT TO HAVE THOSE DISPUTES DECIDED BY A JUDGE OR JURY, AND THAT YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS. PLEASE READ THE “SPECIAL ARBITRATION PROVISION FOR UNITED STATES OR CANADA USERS” SECTION BELOW TO LEARN MORE.

About our services

Registration. You must register for our Services using accurate data, provide your current mobile phone number, and, if you change it, update this mobile phone number using our in-app change number feature. You agree to receive text messages and phone calls (from us or our third-party providers) with codes to register for our Services.

Address Book. You provide us the phone numbers of WhatsApp users and your other contacts in your mobile phone address book on a regular basis. You confirm you are authorized to provide us such numbers to allow us to provide our Services.

Age. You must be at least 13 years old to use our Services (or such greater age required in your country for you to be authorized to use our Services without parental approval). In addition to being of the minimum required age to use our Services under applicable law, if you are not old enough to have authority to agree to our Terms in your country, your parent or guardian must agree to our Terms on your behalf.

Devices and Software. You must provide certain devices, software, and data connections to use our Services, which we otherwise do not supply. For as long as you use our Services, you consent to downloading and installing updates to our Services, including automatically.

Fees and Taxes. You are responsible for all carrier data plan and other fees and taxes associated with your use of our Services. We may charge you for our Services, including applicable taxes. We may refuse or cancel orders. We do not provide refunds for our Services, except as required by law.

Privacy policy and user data

WhatsApp cares about your privacy. WhatsApp’s Privacy Policy describes our information (including message) practices, including the types of information we receive and collect from you and how we use and share this information. You agree to our data practices, including the collection, use, processing, and sharing of your information as described in our Privacy Policy, as well as the transfer and processing of your information to the United States and other countries globally where we have or use facilities, service providers, or partners, regardless of where you use our Services. You acknowledge that the laws, regulations, and standards of the country in which your information is stored or processed may be different from those of your own country.

Acceptable use of our services

Our Terms and Policies. You must use our Services according to our Terms and posted policies. If we disable your account for a violation of our Terms, you will not create another account without our permission.

Legal and Acceptable Use. You must access and use our Services only for legal, authorized, and acceptable purposes. You will not use (or assist others in using) our Services in ways that: (a) violate, misappropriate, or infringe the rights of WhatsApp, our users, or others, including privacy, publicity, intellectual property, or other proprietary rights; (b) are illegal, obscene, defamatory, threatening, intimidating, harassing, hateful, racially, or ethnically offensive, or instigate or encourage conduct that would be illegal, or otherwise inappropriate, including promoting violent crimes; (c) involve publishing falsehoods, misrepresentations, or misleading statements; (d) impersonate someone; (e) involve sending illegal or impermissible communications such as bulk messaging, auto-messaging, auto-dialing, and the like; or (f) involve any non-personal use of our Services unless otherwise authorized by us.

Harm to WhatsApp or Our Users. You must not (or assist others to) access, use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sublicense, transfer, display, perform, or otherwise exploit our Services in impermissible or unauthorized manners, or in ways that burden, impair, or harm us, our Services, systems, our users, or others, including that you must not directly or through automated means: (a) reverse engineer, alter, modify, create derivative works from, decompile, or extract code from our Services; (b) send, store, or transmit viruses or other harmful computer code through or onto our Services; (c) gain or attempt to gain unauthorized access to our Services or systems; (d) interfere with or disrupt the integrity or performance of our Services; (e) create accounts for our Services through unauthorized or automated means; (f) collect the information of or about our users in any impermissible or unauthorized manner; (g) sell, resell, rent, or charge for our Services; or (h) distribute or make our Services available over a network where they could be used by multiple devices at the same time.

Keeping Your Account Secure. You are responsible for keeping your device and your WhatsApp account safe and secure, and you must notify us promptly of any unauthorized use or security breach of your account or our Services.

Third-party services

Our Services may allow you to access, use, or interact with third-party websites, apps, content, and other products and services. For example, you may choose to use third-party data backup services (such as iCloud or Google Drive) that are integrated with our Services or interact with a share button on a third party’s website that enables you to send information to your WhatsApp contacts. Please note that when you use third-party services, their own terms and privacy policies will govern your use of those services.

Licenses

Your Rights. WhatsApp does not claim ownership of the information that you submit for your WhatsApp account or through our Services. You must have the necessary rights to such information that you submit for your WhatsApp account or through our Services and the right to grant the rights and licenses in our Terms.

WhatsApp’s Rights. We own all copyrights, trademarks, domains, logos, trade dress, trade secrets, patents, and other intellectual property rights associated with our Services. You may not use our copyrights, trademarks, domains, logos, trade dress, patents, and other intellectual property rights unless you have our express permission and except in accordance with our Brand Guidelines. You may use the trademarks www.facebookbrand.com/trademarks of our affiliated companies only with their permission, including as authorized in any published brand guidelines.

Your License to WhatsApp. In order to operate and provide our Services, you grant WhatsApp a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, create derivative works of, display, and perform the information (including the content) that you upload, submit, store, send, or receive on or through our Services. The rights you grant in this license are for the limited purpose of operating and providing our Services (such as to allow us to display your profile picture and status message, transmit your messages, store your undelivered messages on our servers for up to 30 days as we try to deliver them, and otherwise as described in our Privacy Policy).

WhatsApp’s License to You. We grant you a limited, revocable, non-exclusive, non-sublicensable, and non-transferable license to use our Services, subject to and in accordance with our Terms. This license is for the sole purpose of enabling you to use our Services, in the manner permitted by our Terms. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights expressly granted to you.

Reporting third-party copyright, trademark, and other intellectual property infringement

To report claims of third-party copyright, trademark, or other intellectual property infringement, please visit our Intellectual Property Policy. We may terminate your WhatsApp account if you repeatedly infringe the intellectual property rights of others.

Disclaimers

YOU USE OUR SERVICES AT YOUR OWN RISK AND SUBJECT TO THE FOLLOWING DISCLAIMERS. WE ARE PROVIDING OUR SERVICES ON AN “AS IS” BASIS WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUS OR OTHER HARMFUL CODE. WE DO NOT WARRANT THAT ANY INFORMATION PROVIDED BY US IS ACCURATE, COMPLETE, OR USEFUL, THAT OUR SERVICES WILL BE OPERATIONAL, ERROR FREE, SECURE, OR SAFE, OR THAT OUR SERVICES WILL FUNCTION WITHOUT DISRUPTIONS, DELAYS, OR IMPERFECTIONS. WE DO NOT CONTROL, AND ARE NOT RESPONSIBLE FOR, CONTROLLING HOW OR WHEN OUR USERS USE OUR SERVICES OR THE FEATURES, SERVICES, AND INTERFACES OUR SERVICES PROVIDE. WE ARE NOT RESPONSIBLE FOR AND ARE NOT OBLIGATED TO CONTROL THE ACTIONS OR INFORMATION (INCLUDING CONTENT) OF OUR USERS OR OTHER THIRD PARTIES. YOU RELEASE US, OUR SUBSIDIARIES, AFFILIATES, AND OUR AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, PARTNERS, AND AGENTS (TOGETHER, THE “WHATSAPP PARTIES”) FROM ANY CLAIM, COMPLAINT, CAUSE OF ACTION, CONTROVERSY, OR DISPUTE (TOGETHER, “CLAIM”) AND DAMAGES, KNOWN AND UNKNOWN, RELATING TO, ARISING OUT OF, OR IN ANY WAY CONNECTED WITH ANY SUCH CLAIM YOU HAVE AGAINST ANY THIRD PARTIES. YOU WAIVE ANY RIGHTS YOU MAY HAVE UNDER CALIFORNIA CIVIL CODE §1542, OR ANY OTHER SIMILAR APPLICABLE STATUTE OR LAW OF ANY OTHER JURISDICTION, WHICH SAYS THAT: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.

Limitation of liability

THE WHATSAPP PARTIES WILL NOT BE LIABLE TO YOU FOR ANY LOST PROFITS OR CONSEQUENTIAL, SPECIAL, PUNITIVE, INDIRECT, OR INCIDENTAL DAMAGES RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH OUR TERMS, US, OR OUR SERVICES, EVEN IF THE WHATSAPP PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH OUR TERMS, US, OR OUR SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS. THE FOREGOING DISCLAIMER OF CERTAIN DAMAGES AND LIMITATION OF LIABILITY WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. THE LAWS OF SOME STATES OR JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE EXCLUSIONS AND LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN OUR TERMS, IN SUCH CASES, THE LIABILITY OF THE WHATSAPP PARTIES WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold harmless the WhatsApp Parties from and against all liabilities, damages, losses, and expenses of any kind (including reasonable legal fees and costs) relating to, arising out of, or in any way in connection with any of the following: (a) your access to or use of our Services, including information provided in connection therewith; (b) your breach or alleged breach of our Terms; or (c) any misrepresentation made by you. You will cooperate as fully as required by us in the defense or settlement of any Claim.

Dispute resolution

Forum and Venue. If you are a WhatsApp user located in the United States or Canada, the “Special Arbitration Provision for United States or Canada Users” section below applies to you. Please also read that section carefully and completely. If you are not subject to the “Special Arbitration Provision for United States or Canada Users” section below, you agree that you will resolve any Claim you have with us relating to, arising out of, or in any way in connection with our Terms, us, or our Services (each, a “Dispute,” and together, “Disputes”) exclusively in the United States District Court for the Northern District of California or a state court located in San Mateo County in California, and you agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such Disputes.

Governing Law. The laws of the State of California govern our Terms, as well as any Disputes, whether in court or arbitration, which might arise between WhatsApp and you, without regard to conflict of law provisions.

Availability and termination of our services

Availability of Our Services. Our Services may be interrupted, including for maintenance, repairs, upgrades, or network or equipment failures. We may discontinue some or all of our Services, including certain features and the support for certain devices and platforms, at any time. Events beyond our control may affect our Services, such as events in nature and other force majeure events.

Termination. We may modify, suspend, or terminate your access to or use of our Services anytime for any reason, such as if you violate the letter or spirit of our Terms or create harm, risk, or possible legal exposure for us, our users, or others. The following provisions will survive any termination of your relationship with WhatsApp: “Licenses,” “Disclaimers,” “Limitation of Liability,” “Indemnification,” “Dispute Resolution,” “Availability and Termination of our Services,” “Other,” and “Special Arbitration Provision for United States or Canada Users.”

Other

• Unless a mutually executed agreement between you and us states otherwise, our Terms make up the entire agreement between you and us regarding WhatsApp and our Services, and supersede any prior agreements.

• We may ask you to agree to additional terms for certain of our Services in the future, which will govern to the extent there is a conflict between our Terms and such additional terms.

• Our Services are not intended for distribution to or use in any country where such distribution or use would violate local law or would subject us to any regulations in another country. We reserve the right to limit our Services in any country.

• You will comply with all applicable U.S. and non-U.S. export control and trade sanctions laws (“Export Laws”). You will not, directly or indirectly, export, re-export, provide, or otherwise transfer our Services: (a) to any individual, entity, or country prohibited by Export Laws; (b) to anyone on U.S. or non-U.S. government restricted parties lists; or (c) for any purpose prohibited by Export Laws, including nuclear, chemical, or biological weapons, or missile technology applications without the required government authorizations. You will not use or download our Services if you are located in a restricted country, if you are currently listed on any U.S. or non-U.S. restricted parties list, or for any purpose prohibited by Export Laws, and you will not disguise your location through IP proxying or other methods.

• Our Terms are written in English (U.S.). Any translated version is provided solely for your convenience. To the extent any translated version of our Terms conflicts with the English version, the English version controls.

• Any amendment to or waiver of our Terms requires our express consent.

• We may amend or update these Terms. We will provide you notice of amendments to our Terms, as appropriate, and update the “Last Modified” date at the top of our Terms. Your continued use of our Services confirms your acceptance of our Terms, as amended. If you do not agree to our Terms, as amended, you must stop using our Services. Please review our Terms from time to time.

• All of our rights and obligations under our Terms are freely assignable by us to any of our affiliates or in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner.

• You will not transfer any of your rights or obligations under our Terms to anyone else without our prior written consent.

• Nothing in our Terms will prevent us from complying with the law.

• Except as contemplated herein, our Terms do not give any third-party beneficiary rights.

• If we fail to enforce any of our Terms, it will not be considered a waiver.

• If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from our Terms and shall not affect the validity and enforceability of the remaining provisions, except as set forth in the “Special Arbitration Provision for United States or Canada Users” — “Severability” section below.

• We reserve all rights not expressly granted by us to you. In certain jurisdictions, you may have legal rights as a consumer, and our Terms are not intended to limit such consumer legal rights that may not be waived by contract.

• We always appreciate your feedback or other suggestions about WhatsApp and our Services, but you understand that we may use your feedback or suggestions without any obligation to compensate you for them (just as you have no obligation to offer them).

Special arbitration provision for United States or Canada users

PLEASE READ THIS SECTION CAREFULLY BECAUSE IT CONTAINS ADDITIONAL PROVISIONS APPLICABLE ONLY TO OUR UNITED STATES AND CANADA USERS. IF YOU ARE A WHATSAPP USER LOCATED IN THE UNITED STATES OR CANADA, IT REQUIRES YOU TO SUBMIT TO BINDING INDIVIDUAL ARBITRATION OF ALL DISPUTES, EXCEPT FOR THOSE THAT INVOLVE INTELLECTUAL PROPERTY DISPUTES AND EXCEPT THOSE THAT CAN BE BROUGHT IN SMALL CLAIMS COURT. THIS MEANS YOU ARE WAIVING YOUR RIGHT TO HAVE SUCH DISPUTES RESOLVED IN COURT BY A JUDGE OR JURY. THIS SECTION ALSO LIMITS THE TIME YOU HAVE TO START AN ARBITRATION OR, IF PERMISSIBLE, A COURT ACTION. FINALLY, THIS SECTION WAIVES YOUR RIGHT TO HAVE YOUR DISPUTE HEARD AND RESOLVED AS A CLASS ACTION, CLASS ARBITRATION, OR A REPRESENTATIVE ACTION.

“Excluded Dispute” means any Dispute relating to the enforcement or infringement of your or our intellectual property rights (such as copyrights, trademarks, domains, logos, trade dress, trade secrets, and patents). For clarity and notwithstanding the foregoing, those Disputes relating to, arising out of, or in any way in connection with your rights of privacy and publicity are not Excluded Disputes.

Federal Arbitration Act. The United States Federal Arbitration Act governs the interpretation and enforcement of this “Special Arbitration Provision for United States or Canada Users” section, including any question whether a Dispute between WhatsApp and you is subject to arbitration.

Agreement to Arbitrate for WhatsApp Users Located in the United States or Canada. For WhatsApp users located in the United States or Canada, WhatsApp and you each agree to waive the right to a trial by judge or jury for all Disputes, except for the Excluded Disputes. WhatsApp and you agree that all Disputes (except for the Excluded Disputes), including those relating to, arising out of, or in any way in connection with your rights of privacy and publicity, will be resolved through final and binding arbitration. WhatsApp and you agree not to combine a Dispute that is subject to arbitration under our Terms with a Dispute that is not eligible for arbitration under our Terms.

The arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules in effect at the time the arbitration is started, including the Optional Rules for Emergency Measures of Protection and the Supplementary Procedures for Consumer-Related Disputes (together, the “AAA Rules”). The arbitration will be presided over by a single arbitrator selected in accordance with the AAA Rules. The AAA Rules, information regarding initiating a Dispute, and a description of the arbitration process are available at www.adr.org. The arbitrator will decide whether a Dispute can be arbitrated. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA Rules. Notwithstanding the AAA Rules, we will reimburse you for all the AAA administrative fees in Disputes that are subject to the Supplementary Procedures for Consumer-Related Disputes, unless the arbitrator determines that a Dispute was filed for purposes of harassment or is patently frivolous.

Opt-Out Procedure. You may opt out of this agreement to arbitrate. If you do so, neither we nor you can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing postmarked within 30 days of the later of: (i) the date that you first accepted our Terms; and (ii) the date you became subject to this arbitration provision. You must use this address to opt-out:

WhatsApp Inc.
Arbitration Opt-Out
1601 Willow Road
Menlo Park, California 94025
United States of America

You must include: (1) your name and residence address; (2) the mobile phone number associated with your account; and (3) a clear statement that you want to opt out of our Terms’ agreement to arbitrate.

Small Claims Court. As an alternative to arbitration, if permitted by your local “small claims” court’s rules, you may bring your Dispute in your local “small claims” court, as long as the matter advances on an individual (non-class) basis.

Time Limit to Start Arbitration. We and you agree that for any Dispute (except for the Excluded Disputes) we and you must commence an arbitration proceeding within one year after the Dispute first arose; otherwise, such Dispute is permanently barred. This means that if we or you do not commence an arbitration within one year after the Dispute first arose, then the arbitration will be dismissed because it was started too late.

No Class Actions, Class Arbitrations, or Representative Actions for Users Located in the United States or Canada. We and you each agree that if you are a WhatsApp user located in the United States or Canada, each of we and you may bring Disputes against the other only on its or your own behalf, and not on behalf of any other person or entity, or any class of people. We and you each agree not to participate in a class action, a class-wide arbitration, Disputes brought in a private attorney general or representative capacity, or consolidated Disputes involving any other person or entity in connection with any Dispute.

Severability. If the prohibition against class actions and other Disputes brought on behalf of third parties is found to be unenforceable for a Dispute, then all of the provisions above under the caption “Special Arbitration Provision for United States or Canada Users” will be null and void as to that Dispute.

Place to File Permitted Court Actions. If you opt out of the agreement to arbitrate, if your Dispute is an Excluded Dispute, or if the arbitration agreement is found to be unenforceable, you agree to be subject to the “Forum and Venue” provisions in the “Dispute Resolution” section set forth above.

Accessing WhatsApp's terms in different languages

To access our Terms in certain other languages, change the language setting for your WhatsApp session. If our Terms are not available in the language you select, we will default to the English version.

Please review the following documents, which provide additional information about your use of our Services:

WhatsApp Privacy Policy

WhatsApp Intellectual Property Policy

WhatsApp Brand Guidelines

Respect for your privacy is coded into our DNA. Since we started WhatsApp, we’ve aspired to build our Services with a set of strong privacy principles in mind.

WhatsApp provides messaging, Internet calling, and other services to users around the world. Our Privacy Policy helps explain our information (including message) practices. For example, we talk about what information we collect and how this affects you. We also explain the steps we take to protect your privacy – like building WhatsApp so delivered messages aren’t stored and giving you control over who you communicate with on our Services.

When we say “WhatsApp,” “our,” “we,” or “us,” we’re talking about WhatsApp Inc. This Privacy Policy (“Privacy Policy”) applies to all of our apps, services, features, software, and website (together, “Services”) unless specified otherwise.

Please also read WhatsApp’s Terms of Service (“Terms”), which describes the terms under which you use our Services.

Information We Collect

WhatsApp receives or collects information when we operate and provide our Services, including when you install, access, or use our Services.

Information You Provide

• Your Account Information. You provide your mobile phone number to create a WhatsApp account. You provide us the phone numbers in your mobile address book on a regular basis, including those of both the users of our Services and your other contacts. You confirm you are authorized to provide us such numbers. You may also add other information to your account, such as a profile name, profile picture, and status message.

• Your Messages. We do not retain your messages in the ordinary course of providing our Services to you. Once your messages (including your chats, photos, videos, voice messages, files, and share location information) are delivered, they are deleted from our servers. Your messages are stored on your own device. If a message cannot be delivered immediately (for example, if you are offline), we may keep it on our servers for up to 30 days as we try to deliver it. If a message is still undelivered after 30 days, we delete it. To improve performance and deliver media messages more efficiently, such as when many people are sharing a popular photo or video, we may retain that content on our servers for a longer period of time. We also offer end-to-end encryption for our Services, which is on by default, when you and the people with whom you message use a version of our app released after April 2, 2016. End-to-end encryption means that your messages are encrypted to protect against us and third parties from reading them.

• Your Connections. To help you organize how you communicate with others, we may create a favorites list of your contacts for you, and you can create, join, or get added to groups and broadcast lists, and such groups and lists get associated with your account information.

• Customer Support. You may provide us with information related to your use of our Services, including copies of your messages, and how to contact you so we can provide you customer support. For example, you may send us an email with information relating to our app performance or other issues.

Automatically Collected Information

• Usage and Log Information. We collect service-related, diagnostic, and performance information. This includes information about your activity (such as how you use our Services, how you interact with others using our Services, and the like), log files, and diagnostic, crash, website, and performance logs and reports.

• Transactional Information. If you pay for our Services, we may receive information and confirmations, such as payment receipts, including from app stores or other third parties processing your payment.

• Device and Connection Information. We collect device-specific information when you install, access, or use our Services. This includes information such as hardware model, operating system information, browser information, IP address, mobile network information including phone number, and device identifiers. We collect device location information if you use our location features, such as when you choose to share your location with your contacts, view locations nearby or those others have shared with you, and the like, and for diagnostics and troubleshooting purposes such as if you are having trouble with our app’s location features.

• Cookies. We use cookies to operate and provide our Services, including to provide our Services that are web-based, improve your experiences, understand how our Services are being used, and customize our Services. For example, we use cookies to provide WhatsApp for web and desktop and other web-based services. We may also use cookies to understand which of our FAQs are most popular and to show you relevant content related to our Services. Additionally, we may use cookies to remember your choices, such as your language preferences, and otherwise to customize our Services for you. Learn more about how we use cookies to provide you our Services.

• Status Information. We collect information about your online and status message changes on our Services, such as whether you are online (your “online status”), when you last used our Services (your “last seen status”), and when you last updated your status message.

Third-Party Information

• Information Others Provide About You. We receive information other people provide us, which may include information about you. For example, when other users you know use our Services, they may provide your phone number from their mobile address book (just as you may provide theirs), or they may send you a message, send messages to groups to which you belong, or call you.

• Third-Party Providers. We work with third-party providers to help us operate, provide, improve, understand, customize, support, and market our Services. For example, we work with companies to distribute our apps, provide our infrastructure, delivery, and other systems, supply map and places information, process payments, help us understand how people use our Services, and market our Services. These providers may provide us information about you in certain circumstances; for example, app stores may provide us reports to help us diagnose and fix service issues.

• Third-Party Services. We allow you to use our Services in connection with third-party services. If you use our Services with such third-party services, we may receive information about you from them; for example, if you use the WhatsApp share button on a news service to share a news article with your WhatsApp contacts, groups, or broadcast lists on our Services, or if you choose to access our Services through a mobile carrier’s or device provider’s promotion of our Services. Please note that when you use third-party services, their own terms and privacy policies will govern your use of those services.

How We Use Information

We use all the information we have to help us operate, provide, improve, understand, customize, support, and market our Services.

• Our Services. We operate and provide our Services, including providing customer support, and improving, fixing, and customizing our Services. We understand how people use our Services, and analyze and use the information we have to evaluate and improve our Services, research, develop, and test new services and features, and conduct troubleshooting activities. We also use your information to respond to you when you contact us. We use cookies to operate, provide, improve, understand, and customize our Services.

• Safety and Security. We verify accounts and activity, and promote safety and security on and off our Services, such as by investigating suspicious activity or violations of our Terms, and to ensure our Services are being used legally.

• Communications About Our Services and the Facebook Family of Companies. We communicate with you about our Services and features and let you know about our terms and policies and other important updates. We may provide you marketing for our Services and those of the Facebook family of companies, of which we are now a part.

• No Third-Party Banner Ads. We do not allow third-party banner ads on WhatsApp. We have no intention to introduce them, but if we ever do, we will update this policy.

• Commercial Messaging. We will allow you and third parties, like businesses, to communicate with each other using WhatsApp, such as through order, transaction, and appointment information, delivery and shipping notifications, product and service updates, and marketing. For example, you may receive flight status information for upcoming travel, a receipt for something you purchased, or a notification when a delivery will be made. Messages you may receive containing marketing could include an offer for something that might interest you. We do not want you to have a spammy experience; as with all of your messages, you can manage these communications, and we will honor the choices you make.

Information You And We Share

You share your information as you use and communicate through our Services, and we share your information to help us operate, provide, improve, understand, customize, support, and market our Services.

• Account Information. Your phone number, profile name and photo, online status and status message, last seen status, and receipts may be available to anyone who uses our Services, although you can configure your Services settings to manage certain information available to other users.

• Your Contacts and Others. Users with whom you communicate may store or reshare your information (including your phone number or messages) with others on and off our Services. You can use your Services settings and the block feature in our Services to manage the users of our Services with whom you communicate and certain information you share.

• Third-Party Providers. We work with third-party providers to help us operate, provide, improve, understand, customize, support, and market our Services. When we share information with third-party providers, we require them to use your information in accordance with our instructions and terms or with express permission from you.

• Third-Party Services. When you use third-party services that are integrated with our Services, they may receive information about what you share with them. For example, if you use a data backup service integrated with our Services (such as iCloud or Google Drive), they will receive information about what you share with them. If you interact with a third-party service linked through our Services, you may be providing information directly to such third party. Please note that when you use third-party services, their own terms and privacy policies will govern your use of those services.

Affiliated Companies

We joined the Facebook family of companies in 2014. As part of the Facebook family of companies, WhatsApp receives information from, and shares information with, this family of companies. We may use the information we receive from them, and they may use the information we share with them, to help operate, provide, improve, understand, customize, support, and market our Services and their offerings. This includes helping improve infrastructure and delivery systems, understanding how our Services or theirs are used, securing systems, and fighting spam, abuse, or infringement activities. Facebook and the other companies in the Facebook family also may use information from us to improve your experiences within their services such as making product suggestions (for example, of friends or connections, or of interesting content) and showing relevant offers and ads. However, your WhatsApp messages will not be shared onto Facebook for others to see. In fact, Facebook will not use your WhatsApp messages for any purpose other than to assist us in operating and providing our Services.

Learn more about the Facebook family of companies and their privacy practices by reviewing their privacy policies.

Assignment, Change Of Control, And Transfer

All of our rights and obligations under our Privacy Policy are freely assignable by us to any of our affiliates, in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner.

Managing Your Information

If you would like to manage, change, limit, or delete your information, we allow you to do that through the following tools:

• Services Settings. You can change your Services settings to manage certain information available to other users. You can manage your contacts, groups, and broadcast lists, or use our block feature to manage the users with whom you communicate.

• Changing Your Mobile Phone Number, Profile Name and Picture, and Status Message. You must change your mobile phone number using our in-app change number feature and transfer your account to your new mobile phone number. You can also change your profile name, profile picture, and status message at any time.

• Deleting Your WhatsApp Account. You may delete your WhatsApp account at any time (including if you want to revoke your consent to our use of your information) using our in-app delete my account feature. When you delete your WhatsApp account, your undelivered messages are deleted from our servers as well as any of your other information we no longer need to operate and provide our Services. Be mindful that if you only delete our Services from your device without using our in-app delete my account feature, your information may be stored with us for a longer period. Please remember that when you delete your account, it does not affect the information other users have relating to you, such as their copy of the messages you sent them.

Law And Protection

We may collect, use, preserve, and share your information if we have a good-faith belief that it is reasonably necessary to: (a) respond pursuant to applicable law or regulations, to legal process, or to government requests; (b) enforce our Terms and any other applicable terms and policies, including for investigations of potential violations; (c) detect, investigate, prevent, and address fraud and other illegal activity, security, or technical issues; or (d) protect the rights, property, and safety of our users, WhatsApp, the Facebook family of companies, or others.

Our Global Operations

You agree to our information practices, including the collection, use, processing, and sharing of your information as described in this Privacy Policy, as well as the transfer and processing of your information to the United States and other countries globally where we have or use facilities, service providers, or partners, regardless of where you use our Services. You acknowledge that the laws, regulations, and standards of the country in which your information is stored or processed may be different from those of your own country.

Updates To Our Policy

We may amend or update our Privacy Policy. We will provide you notice of amendments to this Privacy Policy, as appropriate, and update the “Last Modified” date at the top of this Privacy Policy. Your continued use of our Services confirms your acceptance of our Privacy Policy, as amended. If you do not agree to our Privacy Policy, as amended, you must stop using our Services. Please review our Privacy Policy from time to time.

Contact Us

If you have questions about our Privacy Policy, please contact us.

WhatsApp Inc.
Privacy Policy
1601 Willow Road
Menlo Park, California 94025
United States of America

WhatsApp Inc. (“WhatsApp”) has certified to the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework with the U.S. Department of Commerce regarding the collection and processing of personal data from our business partners in the European Union and Switzerland (“Partners”) in connection with the products and services described in the Scope section below and in our certification. To learn more about the Privacy Shield program please visit www.privacyshield.gov.

Scope: WhatsApp adheres to the Privacy Shield Principles for the following areas of our business (collectively the “Partner Services”):

• WhatsApp Business Products: WhatsApp creates apps, services, features, APIs, software, or website that enable businesses to interact with users of WhatsApp's products and services (“Business Products”). Partners (the data controllers) may submit personal information about their customers to WhatsApp using WhatsApp's Business Products. While Partners decide what information to submit, it typically includes things like customer phone numbers and other information under the Partner's control. For more information, customers may contact the relevant Partner. WhatsApp uses the personal data provided by Partners to provide Business Products in accordance with the terms applicable to the relevant Business Product and otherwise with the Partners' instructions. WhatsApp works with its Partners to ensure that individuals are offered appropriate choices in accordance with the Privacy Shield Principles.

Access. Within the scope of our authorization to do so, and in accordance with our commitments under Privacy Shield, WhatsApp will work with its Partners to provide individuals access to personal data about them that WhatsApp holds on behalf of its Partners. WhatsApp will also take reasonable steps to enable individuals, either directly or in connection with the Partners, to correct, amend, or delete personal data that is demonstrated to be inaccurate.

Third Parties. WhatsApp may transfer data within the Facebook family of companies and to third parties, including service providers and other partners. In accordance with the Privacy Shield Principles, WhatsApp is liable for any processing of personal data by such third parties that is inconsistent with the Privacy Shield Principles unless WhatsApp was not responsible for the event giving rise to any alleged damage.

Legal Requests. Personal data that is transferred to us by our Partners may be subject to disclosure pursuant to legal requests or other judicial and government process, such as subpoenas, warrants, or orders. For more information, review the “Law and Protection” section of the WhatsApp Privacy Policy.

Enforcement. WhatsApp's compliance with the Privacy Shield Principles is subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission.

Questions and Disputes. Please contact us with any questions or concerns relating to our Privacy Shield certification. You have the option to resolve any applicable disputes you have with us in connection with our certification through TrustArc, an alternative dispute resolution provider based in the United States. You can contact TrustArc through their website. In certain circumstances, the Privacy Shield Framework provides the right to invoke binding arbitration to resolve complaints not resolved by other means, as described in Annex I to the Privacy Shield Principles. Additionally, as part of the Privacy Shield Framework, the U.S. State Department Senior Coordinator serves as the Ombudsperson to facilitate the processing of requests relating to national security access to data transmitted from the EU or Switzerland to the U.S.

For more information about WhatsApp's privacy practices please review our Privacy Policy.

WhatsApp Inc. ("WhatsApp," "हमारी," "हमारे," "हम," या "हमे") लोगो और संस्थानों के बौद्धिक सम्पदा अधिकार की रक्षा करने के लिए प्रतिबद्ध है. हमारे उपभोक्ता हमारी सेवा की शर्ते (शर्ते) को हमारे एप्प्स इनस्टॉल, एक्सेस या हमारी सेवा, विशेषता, सॉफ्टवेयर या वेबसाइट का इस्तेमाल करके स्वीकार करते हैं (एकसाथ, "सेवा"). हमारी शर्ते हमारे उपभोक्ताओं को हमारी सेवा पर किसी और के बौद्धिक सम्पदा अधिकार, कॉपीराइट या ट्रेडमार्क का उलंघन करने की आज्ञा नहीं देती.

जैसे की हमारे गोपनीयता नीति में विस्तार से स्पष्ट किया गया है, हम अपने उपभोक्ता के सन्देश सामान्य तौर पर अपने सेवा प्रदान करते हुए नहीं रखते. परन्तु, हम अपने उपभोक्ता के खाते की जानकारी, उपभोक्ता की प्रोफाइल चित्र, प्रोफाइल नाम, या स्थिति सन्देश को होस्ट करते हैं अगर वे इन सब को अपने खाते की जानकारी में सम्मलित करने का निर्णय करे.

कॉपीराइट (प्रतिलिप्याधिकार)

कॉपीराइट उलंघन की सूचना और उलंघन करने वाले विषय वस्तु (जैसे WhatsApp उपभोक्ता का प्रोफाइल फोटो, प्रोफाइल नाम, या स्तिथि सन्देश) को WhatsApp से हटाने के निवेदन के लिए कृपया कॉपीराइट उलंघन क्लेम को पूरी तरह भर कर ip@WhatsApp.com पर ईमेल करें. (कृपया नीचे दिए गयी सभी जानकारी को सम्मलित करें). आप कॉपीराइट उलंघन क्लेम को पूरी तरह भर कर डाक से भी WhatsApp कॉपीराइट एजेंट को भेज सकते हैं:

WhatsApp Inc.
Attn: WhatsApp Copyright Agent
1601 Willow Road
Menlo Park, California 94025
United States of America
ip@whatsapp.com

कॉपीराइट उलंघन के क्लेम की सूचना देने से पहले, आप उचित WhatsApp उपभोक्ता जो आपके विचार में आपके कॉपीराइट का उलंघन कर रहा है को सूचित कर सकते हैं . शायद आप इस विषय को WhatsApp को सूचित किये बिना हीं हल कर लें.

ट्रेडमार्क (व्यपार चिन्ह)

ट्रेडमार्क उलंघन की सूचना और उलंघन करने वाले विषय वस्तु को WhatsApp से हटाने के निवेदन के लिए कृपया ट्रेडमार्क उलंघन क्लेम को पूरी तरह भर कर ip@WhatsApp.com पर ईमेल करें. (कृपया नीचे दिए गयी सभी जानकारी को सम्मलित करें).

ट्रेडमार्क उलंघन के क्लेम की सूचना देने से पहले, आप उचित WhatsApp उपभोक्ता जो आपके विचार में आपके ट्रेडमार्क का उलंघन कर रहा है को सूचित कर सकते हैं . शायद आप इस विषय को WhatsApp को सूचित किये बिना हीं हल कर लें.

कॉपीराइट या ट्रेडमार्क उलंघन क्लेम में WhatsApp को क्या भेजें

कृपया नीचे दिए सभी जानकारी को सम्मलित कर के कॉपीराइट और ट्रेडमार्क उलंघन क्लेम WhatsApp को भेजें:

• आपको संपर्क करने की पूरी जानकारी (पूरा नाम, डाक पता, और फ़ोन नंबर). कृपया नोट करें कि हम आपके संपर्क कि जानकारी, जैसे नाम, ईमेल पता (उपलप्ध होने पर), आपके संस्थान का पता या आपके मुवक्किल जो अधीकार के मालिक हो का पता, आपके अधीकार उलंघन क्लेम का ब्यौरा उस व्यक्ति को देते हैं जिसका विषय वस्तु आप रिपोर्ट कर रहे हैं. आप अपना व्यावसायिक या पेशे सम्बन्धी ईमेल पता दे सकते हैं जिस पर आपसे संपर्क हो सके.
• कॉपीराइट किया गया काम या ट्रेडमार्क का ब्यौरा जिसके उलंघन होने का आप दावा कर रहे हैं
• हमारी सेवा मे होस्ट किये गए उस विषय वस्तु का ब्यौरा जिसके कॉपीराइट या ट्रेडमार्क उलंघन होने का आप दावा कर रहे हैं
• समुचित रूप से पर्याप्त जानकारी जिससे कि हम अपनी सेवा मे वो विषय वस्तु का स्थान निर्धारित कर सकें. यह करने का सबसे आसान तरीका है कि आप हमे उस व्यक्ति का फ़ोन नंबर दें जिसने हमारी सेवा मे उलंघित विषय वस्तु साझा की है.
• एक बयान की:
  • आपको नेकनीयती से विश्वास है कि ऊपर दी हुई कॉपीराइट या ट्रेडमार्क विषय वस्तु को, जिस पर आपने असंतुष्टता प्रकट की है, कॉपीराइट या ट्रेडमार्क के मालिक, उनके एजेंट, या कानून ने अधिकृत रूप से अनुमति नहीं दी है;
  • आपके क्लेम मे दी जानकारी सही है; और
  • आप शपथ भंग के जुर्माने के अंतर्गत बयान देते हैं, की आप कॉपीराइट और ट्रेडमार्क जिसका कथित रूप से उलंघन हुआ है उसके मालिक है या अधिकृत रूप से मालिक के नुमाइंदे हैं.
• आपका इलेक्ट्रॉनिक हस्ताक्षर या वास्तविक हस्ताक्षर.

कुकीज़ के बारे में

कुकी एक छोटी पाठय फाइल है जो आपके द्वारा देखे गए हुए वेबसाइट आपके ब्राउज़र को आपके कंप्यूटर या मोबाइल पर स्टोर करने का निर्देश देती हैं.

हम कुकीज़ को कैसे इस्तेमाल करते हैं

हम कुकीज़ का इस्तेमाल अपनी सेवा को समझने, सुरक्षित रखने, कार्य करने और सेवा प्रदान करने के लिए करते हैं. उदहारण के तौर पर, हम कुकीज़ का इस्तेमाल:

• WhatsApp को वेब और डेस्कटॉप और अन्य वेब आधारित सेवा प्रदान करने, आपका अनुभव उत्कृष्ट बनाने, हमारी सेवा का इस्तेमाल जानने, और हमारी सेवा को विशिष्ट रूप से बनाने;

• यह समझने के लिए की हमारे कौन से सामान्य सवाल सबसे ज्यादा लोकप्रिय हैं और आपको हमारे सेवा से सम्बंधित विषय की जानकारी प्रदान करने;

• आपके विकल्प याद रखने के लिए, जैसे आपके भाषा की प्राथिमिकता, हमारी सेवा आपके रूचि अनुसार बनाने; और

• लोकप्रियता के अनुसार हमारे आम सवालो को वेबसाइट पर देखने के लिए, हमारे वेब आधारित सेवा के मोबाइल बनाम डेस्कटॉप उपभोक्ता को समझने, या हमारे किसी वेबपेज की लोकप्रियता और प्रभावशीलता समझने के काम आती हैं.

कुकीज़ का कैसे नियंत्रण करें

आप अपने ब्राउज़र या उपकरण की निर्देश का पालन कुकी सेटिंग बदलने के लिए कर सकते हैं (साधारण तौर पर "सेटिंग्स" या "प्रिफरेंस" में पाया जा सकता है). कृपया ध्यान दे की अगर आप अपने ब्राउज़र या उपकरण से कुकीज़ को दुर्बल करते हैं तो हमारी कुछ सेवा शायद ठीक से कार्य न कर पाये.

WhatsApp पेमेंट्स सेवा की शर्तें

WhatsApp Inc. (“WhatsApp,” “हमारा,” “हम” या “हमें”) दुनियाभर में रह रहे उपयोगकर्ताओं को संदेश भेजने, इंटरनेट के ज़रिए कॉल करने जैसी और भी अन्य सेवाएँ प्रदान करता है, जिसमें भारतीय राष्ट्रीय भुगतान निगम (“NPCI”) द्वारा विकसित संयुक्त पेमेंट्स इंटरफ़ेस (“यू.पी.आई.”) के माध्यम से भारत में निर्धारित पेमेंट सेवा प्रदाताओं (“PSP”) द्वारा पेमेंट (“पेमेंट्स”) करने और प्राप्त करने की क्षमता प्रदान करना शामिल है. जैसा कि WhatsApp सेवा की शर्तों (“शर्तें”) में परिभाषित किया गया है, पेमेंट्स “सेवा” है और निम्नलिखित WhatsApp पेमेंट्स सेवा की शर्तें (“पेमेंट्स की शर्तें”) शर्तों की पूरक हैं और आपके द्वारा पेमेंट्स के उपयोग पर लागू होती हैं. आप पेमेंट्स का उपयोग करते समय पेमेंट्स की शर्तों से सहमत होते हैं.

हमारी पेमेंट सेवा के बारे में

हमारी भूमिका. पेमेंट्स ऐसी सेवा है जिसे हम निर्धारित PSP के माध्यम से और उनके समन्वय से उपलब्ध कराते हैं. हम आपको एक सुविधाजनक प्लेटफ़ॉर्म प्रदान करते हैं जिससे आप यू.पी.आई. के माध्यम से संसाधित करने के लिए PSP को लेन-देन के निर्देश दे सकते हैं. हम लाइसेंस प्राप्त वित्तीय संस्थान नहीं हैं, हम पेमेंट्स से संबंधित कोई भी निधि (फ़न्ड्स) न तो प्राप्त करते हैं, न ही ट्रांसफ़र या संग्रहित करते हैं और हम यू.पी.आई. सेवा में आई रुकावटों या PSP या बैंक की कार्रवाइयों या चूक, जिसमें निधि की पेमेंट, अदायगी और निकास सम्मिलित है, के लिए ज़िम्मेदार नहीं हैं. आपका अपने बैंक के साथ बैंक खाते को लेकर अलग संबंध है और इस बारे में WhatsApp का आपके बैंक के साथ कोई संबंध नहीं है.

PSP की भूमिका. पेमेंट्स के माध्यम से निधि (फ़न्ड्स) भेजते या प्राप्त करते समय निर्धारित PSP को निर्देश प्राप्त होते हैं और वह यू.पी.आई. के माध्यम से लेन-देन को संसाधित करता है. पेमेंट्स का उपयोग करके, आपको PSP की शर्तों और गोपनीयता नीति से भी सहमत होना होगा, जो आपको पेमेंट्स का पहली बार उपयोग करने पर प्रस्तुत की जाएँगी. PSP की शर्तें और गोपनीयता नीति यहाँ भी उपलब्ध हैं. पेमेंट्स के संबंध में WhatsApp और आपके बीच का संबंध इन पेमेंट्स शर्तों के अधीन है और PSP और आपके बीच का संबंध PSP की शर्तों के अधीन है.

पात्रता. पेमेंट्स का उपयोग करने के लिए, आपको भारत के राष्ट्र कोड वाले फ़ोन नंबर का उपयोग करना होगा और आपका खाता यू.पी.आई. द्वारा समर्थित बैंक में होना चाहिए. हमारी सेवाओं के लिए आपके द्वारा प्रयुक्त फ़ोन नंबर वही फ़ोन नंबर होना चाहिए जिसे पेमेंट्स का उपयोग करने के लिए आपके बैंक खाते से लिंक किया गया हो.

पंजीकरण और यू.पी.आई. पिन सेटअप करना. आप पेमेंट्स के माध्यम से निधि भेजने और प्राप्त करने के लिए जिस बैंक खाते का उपयोग करेंगे वह आपका अपना होना चाहिए. आपके द्वारा अपने मोबाइल बैंकिंग खाते की पुष्टि करने हेतु जानकारी प्रदान करने के बाद, WhatsApp यू.पी.आई. ID (वर्चुअल पेमेंट पता) बनाने की सुविधा प्रदान करता है जो आपके WhatsApp खाते से जुड़ा होता है. चूँकि आपके लेन-देन निर्देश यू.पी.आई. के माध्यम से संसाधित होते हैं इसलिए आपके पास पेमेंट भेजने के लिए यू.पी.आई. पिन होना चाहिए. अगर आपके पास अपने बैंक खाते के लिए पहले से यू.पी.आई. पिन नहीं है तो हम पेमेंट्स भेजने के लिए आपसे एक पिन बनाने के लिए कहेंगे.

आयु. पेमेंट्स का उपयोग करने के लिए आपकी आयु कम से कम 18 वर्ष होनी चाहिए.

राशि जमा करना. हम पुरस्कार और विशेष ऑफ़र जैसे उद्देश्यों के लिए आपके बैंक खाते में राशि जमा कर सकते हैं. हमारी सहभागी कंपनी WhatsApp Application Services Private Limited हमारी ओर से ऐसी राशियाँ प्रदान करती है.

शुल्क और कर. आपको पेमेंट्स के उपयोग के कारण लगने वाले किसी भी उचित शुल्क की पेमेंट करनी होगी, इसमें ओवरड्राफ़्ट, लेन-देन या आपके बैंक, PSP या WhatsApp द्वारा लगाए गए अन्य शुल्क शामिल हैं. आपको अपने पेमेंट्स के उपयोग से संबंधित प्रयोज्य कर कानून का अनुपालन करना होगा, इसमें पेमेंट्स के उपयोग से किए गए लेन-देन से संबंधित कर और उन लेन-देन से प्राप्त आय की रिपोर्ट करना और पेमेंट करना शामिल है. WhatsApp आपके द्वारा पेमेंट्स का उपयोग करके पूरे किए गए किसी भी लेन-देन से होने वाली बिक्री, उपयोग, अतिरिक्त मूल्य या लगने वाले अन्य कर को रोकने, एकत्रित करने, रिपोर्ट करने या उनमें छूट देने के लिए ज़िम्मेदार नहीं है.

गोपनीयता नीति और उपयोगकर्ता डेटा

WhatsApp आपकी गोपनीयता की परवाह करता है. हमारी गोपनीयता नीति आपके पेमेंट्स के उपयोग पर लागू होती है. पेमेंट्स का उपयोग करने पर अतिरिक्त जानकारी एकत्रित और संसाधित की जाने के कारण WhatsApp पेमेंट्स गोपनीयता नीति आपके द्वारा पेमेंट्स के उपयोग पर भी लागू होती है. WhatsApp पेमेंट्स गोपनीयता नीति में पेमेंट्स पर लागू अतिरिक्त जानकारी प्रक्रियाओं के बारे में बताया गया है, जिसमें आपके द्वारा पेमेंट्स का उपयोग किए जाने पर हम आपसे किस प्रकार की जानकारी प्राप्त और संग्रहित करते हैं और उस जानकारी को हम किस प्रकार से प्रयुक्त व साझा करते हैं, शामिल है. पेमेंट्स का उपयोग करने पर आप हमारी गोपनीयता नीति और हमारी पेमेंट्स गोपनीयता नीति में उल्लेख किए गए अनुसार अपनी जानकारी के संग्रहण, उपयोग, संसाधन और साझाकरण सहित हमारी डेटा प्रक्रियाओं से सहमत होते हैं.

पेमेंट्स का उपयोग

पेमेंट राशि. आप कुल पेमेंट राशि के लिए ज़िम्मेदार हैं. आपको पेमेंट्स के माध्यम से कोई भी लेन-देन करने से पहले यह सुनिश्चित करना होगा कि आपके बैंक खाते में पर्याप्त निधि है. अगर PSP या आपका बैंक यह निर्धारित करता है कि आपके बैंक खाते में संपूर्ण लेन-देन के लिए पर्याप्त निधि की कमी है, तो आपकी पेमेंट नहीं भेजी जाएगी.

पेमेंट्स का स्वीकार्य उपयोग. आपको समय-समय पर प्रकाशित होने वाली व्यापारिक नीतियों सहित हमारी शर्तों और पोस्ट की गई नीतियों के अनुसार पेमेंट्स का एक्सेस और उपयोग केवल कानूनी, प्राधिकृत और स्वीकार्य प्रयोजनों के लिए ही करना चाहिए. PSP या WhatsApp आपके पेमेंट्स को भेजने और प्राप्त करने की क्षमता सीमित कर सकता है जिसमें लेन-देन सीमित करना सम्मिलित है. अगर हमें लगता है कि किसी लेन-देन से शर्तों, पेमेंट्स शर्तों, पोस्ट की गई नीतियों या PSP की शर्तों का उल्लंघन हो रहा है, तो PSP या WhatsApp उस लेन-देन को रद्द भी कर सकता है.

खरीद संबंधी लेन-देन. अगर आप सामान या सेवाओं की पेमेंट करने के लिए पेमेंट्स का उपयोग करते हैं, तो आप उस विधि-संगत खरीदारी के लिए और बिक्री की किसी भी शर्त को मानने के लिए सहमत होते हैं. हम पेमेंट्स के माध्यम से खरीदे गए किसी भी सामान या सेवाओं के लिए उत्तरदायी नहीं हैं, जिसमें लेन-देन से जुड़ा किसी भी प्रकार का दावा, नुकसान, हानि, उत्तरदायित्व, शुल्क वापसी या विवाद सम्मिलित है. हम पेमेंट्स का उपयोग करके खरीदे गए किसी भी उत्पाद या सेवा के संबंध में किसी भी प्रकार की कोई व्यक्त या निहित वारंटी नहीं देते.

पेमेंट्स पर लेन-देन अंतिम है. एक बार पेमेंट करने पर वह अंतिम होता है. WhatsApp धनवापसी (रीफ़ंड) नहीं करता है और न ही शुल्क वापसी की सुविधा प्रदान करता है. WhatsApp अनाधिकृत लेन-देन के लिए ज़िम्मेदार नहीं है. हम निधि के अंतर्निहित लेन-देन के लिए या किसी ट्रांसफ़र के प्राप्तकर्ता या प्रेषक की गतिविधियों या पहचान की कोई ज़िम्मेदारी नहीं लेते हैं.

पेमेंट्स का व्यावसायिक उपयोग. अगर आप एक व्यवसाय हैं और हमारी सेवाओं का उपयोग करते हैं, तो आपको पेमेंट्स सहित हमारी सेवाओं के अपने उपयोग से संबंधित सभी कानूनों का पालन करना होगा. आपको अपने ग्राहकों को किसी भी प्रकार की प्रयोज्य शर्तों और शुल्क के बारे में स्पष्ट रूप से बताना होगा और आपको बिक्री की किसी भी शर्त और उससे संबंधित कानून के अनुसार पेमेंट्स का उपयोग करके आपके द्वारा विक्रय की जाने वाली किसी भी सेवा या सामान की पूर्ति तुरंत करनी होगी. WhatsApp का लेन-देन में कोई पक्ष नहीं है.

अन्य

• इन पेमेंट्स शर्तों और शर्तों में कोई मतभेद होने पर ये पेमेंट्स शर्तें मात्र आपके द्वारा पेमेंट्स के उपयोग पर और केवल मतभेद की सीमा तक लागू होंगी.

• हम इन पेमेंट्स शर्तों को संशोधित या अपडेट कर सकते हैं. हम आपको अपनी पेमेंट्स शर्तों में किए गए संशोधन की उपयुक्त सूचना देंगे और अपनी पेमेंट्स शर्तों के शीर्ष पर “पिछला संशोधन” तिथि को अपडेट करेंगे. आपके द्वारा पेमेंट्स का उपयोग जारी रखना इस बात की पुष्टि करता है कि आप हमारी संशोधित पेमेंट्स शर्तों को स्वीकार करते हैं. हमारी संशोधित पेमेंट्स शर्तों से सहमत न होने पर आपको पेमेंट्स का उपयोग बंद करना होगा. कृपया हमारी पेमेंट्स शर्तों की समय-समय पर समीक्षा करें.

WhatsApp पेमेंट्स गोपनीयता नीति

WhatsApp गोपनीयता नीति हमारी जानकारी संबंधित प्रक्रियाओं को समझाने में मदद करती है. हमारी सेवाओं में आपको पेमेंट्स (“पेमेंट्स”) भेजने और प्राप्त करने के लिए सक्षम करना शामिल हो सकता है, हम यह सेवा प्राधिकृत पेमेंट सेवा प्रदाता (“PSP”) बैंकों के माध्यम और उनके सहयोग से प्रदान करते हैं.

पेमेंट्स का उपयोग करने पर यह पेमेंट्स गोपनीयता नीति हमारी जानकारी संबंधित प्रक्रियाओं को समझाने में मदद करती है. हम अपनी सेवाओं को संचालित करने, उपलब्ध कराने, सुधारने, समझने, कस्टमाइज़ करने, इनसे संबंधित सहायता करने और इनका प्रचार करने के लिए अपने पास उपलब्ध संपूर्ण जानकारी का उपयोग करते हैं. आपको पेमेंट्स प्रदान करने में मदद करने के अलावा, PSP अपनी गोपनीयता नीतियों में बताए अनुसार आपकी जानकारी को संग्रहित, प्रयुक्त और साझा कर सकते हैं.

यह पेमेंट्स गोपनीयता नीति हमारी गोपनीयता नीति की परिपूरक है, जो पेमेंट्स सहित हमारी सेवाओं के उपयोग पर लागू होती है. कृपया WhatsApp की सेवा की शर्तें (“शर्तें”) भी देखें, जो उन शर्तों का वर्णन करती हैं जिनके अंतर्गत आप पेमेंट्स सहित हमारी सेवाओं का उपयोग करते हैं और WhatsApp पेमेंट्स सेवा की शर्तें (“पेमेंट्स की शर्तें”) भी देखें, जो शर्तों की परिपूरक हैं, पेमेंट्स के आपके उपयोग को संचालित करती हैं और पेमेंट्स का अधिक विवरण देती हैं. कृपया इन सभी दस्तावेज़ों को ध्यान से पढ़ें.

हमारे द्वारा संग्रहित की जाने वाली जानकारी

हमारी गोपनीयता नीति में जो बताया गया है, उसके अतिरिक्त, हम पेमेंट्स उपलब्ध कराते समय जानकारी प्राप्त करते हैं.

आपके द्वारा प्रदान की जाने वाली जानकारी

• पंजीकरण और BHIM (भारत इंटरफ़ेस फ़ोर मनी) यू.पी.आई. पिन सेटअप करने की जानकारी. पेमेंट्स का उपयोग करने के लिए पंजीकरण करते समय आप पेमेंट्स के साथ उपयोग करने के लिए अपने बैंक का नाम प्रदान करते हैं और बैंक खाते की पुष्टि करते हैं. आपके पास अपने बैंक खाते के लिए पहले से कोई BHIM यू.पी.आई. पिन न होने पर आप अपने आंशिक डेबिट कार्ड नंबर, डेबिट कार्ड की समाप्ति तिथि, पिन (अगर आपके बैंक के लिए ज़रूरी हो) और बैंक द्वारा जारी वन-टाइम पासवर्ड (ओटीपी) का उपयोग करके BHIM यू.पी.आई. पिन सेटअप कर सकते हैं. हम ग्राहकों के पेमेंट का संवेदनशील डेटा (जैसे आंशिक डेबिट कार्ड नंबर, डेबिट कार्ड की समाप्ति तिथि, पिन, ओटीपी या BHIM यू.पी.आई. पिन) अपने पास नहीं रखते हैं. भारतीय राष्ट्रीय भुगतान निगम (National Payments Corporation of India - NPCI) द्वारा प्रदत्त कॉमन लाइब्रेरी (CL) सॉफ़्टवेयर द्वारा एन्क्रिप्टेड होने के कारण WhatsApp BHIM यू.पी.आई. पिन को एक्सेस नहीं कर सकता है.

• पेमेंट लेन-देन जानकारी. पेमेंट्स भेजने, प्राप्त करने या उनका अनुरोध करने पर आप प्राप्तकर्ता का नाम और BHIM यू.पी.आई. ID (वर्चुअल पेमेंट्स पता) और पेमेंट राशि जैसी लेन-देन की जानकारी प्रदान करते हैं या उसकी पुष्टि करते हैं. आपके द्वारा किए गए प्रत्येक पेमेंट को प्राधिकृत करने के लिए, आपको अपने BHIM यू.पी.आई. पिन का उपयोग करना होगा. पेमेंट्स की यह लेन-देन संबंधी जानकारी सुरक्षित रूप से संचालित की जाती है. पेमेंट्स के साथ भेजे गए WhatsApp संदेश लेन-देन की प्रक्रिया पूरी हो जाने के बाद ही डिलीवर होते है और उनका प्रबंधन हमारी गोपनीयता नीति के अनुसार किया जाता है.

स्वचालित रूप से संग्रहित की गई जानकारी

• पेमेंट्स सक्षम करने की जानकारी. पेमेंट्स भेजने, प्राप्त करने या उनका अनुरोध करने पर हम तिथि, समय और लेन-देन की संदर्भ संख्या जैसी जानकारी को संग्रहित करते हैं. जब कोई प्रेषक WhatsApp संपर्क को पेमेंट करता है, तो हम प्रेषक और प्राप्तकर्ता के नाम और BHIM यू.पी.आई. ID को संग्रहित करते हैं.

हमें सेवा प्रदाताओं, PSP और NPCI से प्राप्त होने वाली जानकारी

• सेवा प्रदाता. हम पेमेंट्स को संचालित करने, उपलब्ध कराने, सुधारने, समझने, कस्टमाइज़ करने, इनसे संबंधित सहायता करने और इनका प्रचार करने; ग्राहक समर्थन उपलब्ध कराने और अपने सिस्टम को सुरक्षित रखने में मदद के लिए सेवा प्रदाताओं के साथ काम करते हैं. उदाहरण के लिए, हम ऐसी कंपनियों के साथ काम करते हैं जो ग्राहक समर्थन में मदद करती हैं और हम उनसे आपके द्वारा उन्हें फ़ोन या ईमेल पर दी गई जानकारी प्राप्त करते हैं.
• PSP बैंक और NPCI. हम प्रेषक और प्राप्तकर्ता के बैंक खातों के बीच निधि के संचालन की सुविधा प्रदान करने के लिए PSP बैंकों और भारतीय राष्ट्रीय भुगतान निगम (NPCI) के साथ काम करके पेमेंट्स को सक्षम करते हैं. वे हमें कुछ परिस्थितियों में आपकी और आपके पेमेंट्स लेन-देन की जानकारी देते हैं, उदाहरण के लिए, हमें PSP से आपके और आपके लेन-देन के बारे में आपके पंजीकरण की पुष्टि की जानकारी, पेमेंट प्रेषक और प्राप्तकर्ता का नाम, खाते की स्थिति और शेष राशि पर्याप्तता, लेन-देन संदर्भ ID, जोखिम या धोखाधड़ी के अलर्ट और इसी प्रकार की अन्य जानकारी मिल सकती है. BHIM यू.पी.आई. लेन-देन जानकारी एन्क्रिप्टेड फ़ॉर्मेट में संग्रहित की जाती है. कृपया ध्यान दें कि PSP या NPCI की सेवाओं का आपके द्वारा उपयोग उनकी शर्तों और गोपनीयता नीति के अधीन है.

हम जानकारी का उपयोग कैसे करते हैं

हम अपनी सेवाओं को संचालित करने, उपलब्ध कराने, सुधारने, समझने, कस्टमाइज़ करने, इनसे संबंधित सहायता करने और इनका प्रचार करने के लिए, अपने पास उपलब्ध संपूर्ण जानकारी का उपयोग करते हैं. इसमें पेमेंट्स और ग्राहक समर्थन प्रदान करने के लिए, आपको और हमारी सेवा का उपयोग करने वाले अन्य लोगों को धोखाधड़ी, गलत या बुरे व्यवहार से बचाने के लिए और आपके द्वारा हमारी शर्तों और पेमेंट्स शर्तों की पूर्ति की जा रही है या नहीं यह पता लगाने के लिए आपके खाते की गतिविधि की समीक्षा करने के लिए जानकारी प्रयुक्त करना शामिल है. पेमेंट्स उपलब्ध कराने के लिए और साथ ही PSP को पेमेंट निर्देश भेजने के लिए WhatApp अन्य Facebook कंपनियों के साथ काम करता है.

जानकारी जो आप और हम साझा करते हैं

हमारी गोपनीयता नीति में जो बताया गया है उसके अतिरिक्त, आप पेमेंट्स का उपयोग करते समय अपनी जानकारी साझा करते हैं और हम पेमेंट्स का संचालन करने, उपलब्ध कराने, सुधारने, समझने, कस्टमाइज़ करने, इनसे संबंधित सहायता करने और इनका प्रचार करने के लिए आपकी जानकारी साझा करते हैं.

• पेमेंट प्रेषक और प्राप्तकर्ता. आप और वे लोग जिन्हें आप पेमेंट्स भेजते हैं या जिनसे आप पेमेंट्स प्राप्त करते हैं, हमारी सेवा पर या उसके बाहर अन्य लोगों के साथ आपके BHIM यू.पी.आई. ID, नाम या लेन-देन जानकारी को संग्रहित कर सकते हैं या दोबारा साझा कर सकते हैं.

• सेवा प्रदाता. PSP के साथ हमारे संबंध के अनुसार, WhatsApp Facebook सहित सेवा प्रदाताओं के साथ काम करता है. PSP को पेमेंट निर्देश भेजने, अपने लेन-देन इतिहास को बनाए रखने, ग्राहक समर्थन देने, पेमेंट को सुधारने, समझने, कस्टमाइज़ करने, इससे संबंधित सहायता करने और इसका प्रचार करने और धोखाधड़ी, सुरक्षा, संरक्षण, दुर्व्यवहार या अन्य बुरे बर्ताव का पता लगाने, उन्हें रोकने अन्यथा ध्यान देने सहित अपनी सेवाओं को सुरक्षित रखने के लिए हम इस पेमेंट्स गोपनीयता नीति के अंतर्गत संग्रहित जानकारी को Facebook सहित सेवा प्रदाताओं के साथ साझा करते हैं. Facebook के पास एन्क्रिप्टेड BHIM यू.पी.आई. लेन-देन की जानकारी क्लियर फ़ॉर्मेट में नहीं होगी. सेवा प्रदाताओं के साथ जानकारी साझा करते समय हम चाहते हैं कि वे हमारी ओर से आपकी जानकारी का उपयोग हमारे निर्देशों और शर्तों के अनुसार करें.

• PSP बैंक और NPCI. हम पेमेंट्स के संचालन में मदद पाने के लिए PSP और NPCI के साथ जानकारी साझा करते हैं. PSP और NPCI को पेमेंट्स की राशि और BHIM यू.पी.आई. ID जैसी लेन-देन संबंधी जानकारी प्राप्त होती है, ताकि वे प्रेषक और प्राप्तकर्ता के बैंक खातों के बीच निधि के संचालन की सुविधा दे सकें. कृपया ध्यान दें, जब आप PSP और NPCI सेवाओं का उपयोग करते हैं, तो आपके द्वारा उन सेवाओं का उपयोग उनकी शर्तों और नीतियों के अधीन होता है.

अपनी जानकारी को प्रबंधित करना और मिटाना

अगर आप अपनी पेमेंट्स की जानकारी को प्रबंधित करना, बदलना, सीमित करना या मिटाना चाहते हैं, तो हम आपको आपकी पेमेंट्स सेटिंग्स के माध्यम से या आपके WhatsApp खाते को मिटाकर, ऐसा करने की सुविधा प्रदान करते हैं. आप अपनी पेमेंट्स सेटिंग्स से अतिरिक्त बैंक खाता (खाते) पंजीकृत कर सकते हैं, अपने BHIM यू.पी.आई. ID से मौजूदा बैंक खाते (खातों) का पंजीकरण हटा सकते हैं, PSP बैंक बदल सकते हैं और अपना लेन-देन इतिहास मिटा सकते हैं. अपना WhatsApp खाता मिटाने पर आपके बैंक खाते का पंजीकरण आपके BHIM यू.पी.आई. ID से अपने आप हट जाएगा.

हमारी नीति में किए गए अपडेट

हम इस पेमेंट्स गोपनीयता नीति में बदलाव करने से पहले आपको सूचित करेंगे और आपके द्वारा पेमेंट्स का उपयोग करना जारी रखने से पहले हम आपको संशोधित की गई पेमेंट्स गोपनीयता नीति की समीक्षा करने का अवसर देंगे.

PSP शर्तें और गोपनीयता नीति

ICICI Bank's Payment Service Terms

These terms and conditions ("Terms") apply to and regulate the provision of a Unified Payments Interface Service–based electronic fund transfer and fund collection facility provided by ICICI Bank to its Users through the application owned and maintained by WhatsApp ("Facility") subject to the Terms herein specified.

The User may apply for the Facility by installing the WhatsApp mobile application on their device and completing a one-time activation/registration for the Facility. The User will have an option to set a virtual payment address ("VPA") by linking an Account maintained with any bank in India through a one-time registration process defined and standardised by NPCI/ICICI Bank and then start transacting. The process of registration is:

• WhatsApp customers need to select their bank followed by the account they want to link. Thereafter, they need to enter the last six digits of their debit card number along with the expiry details to create a VPA.
• By applying for and accessing the Facility, the User accepts these terms, which shall govern the provision of the Facility by ICICI Bank. The Terms shall be in addition to and not in derogation of the regulatory guidelines issued from time to time.

1. Definitions

In this document, the following words and phrases have the meanings set opposite them unless the context indicates otherwise. Words or expressions used in this form, but not specifically defined herein, shall have the respective meanings assigned to them by NPCI.

1.1. "Account(s)" refers to the resident Indian savings and/or current bank account(s) held and maintained with any bank in India which is used for operations through the Facility.

1.2. "User" means the applicant/remitter availing of the Facility through the Account(s) and satisfying the following conditions:

1. has a valid mobile phone number;
2. has downloaded the WhatsApp mobile application on the device; and
3. has an Account(s).

1.3. "ICICI Bank" means ICICI Bank Limited, a company incorporated under the Companies Act, 1956, and licensed as a bank under the Banking Regulation Act, 1949, and having its corporate office at ICICI Bank Towers, Bandra Kurla Complex, Mumbai 400 051 (which expression shall, unless it be repugnant to the subject or context thereof, include its successors and assigns).

1.4. "NPCI UPI System" means the switch and related equipment and software owned by NPCI to provide the UPI-based fund transfer and funds collection facility including the National Financial Switch.

1.5. "Payment Order" means an unconditional instruction issued by the User through the WhatsApp Platform to effect a fund transfer for a certain sum of money expressed in Indian rupees, to the designated account of a designated beneficiary by debiting the Account(s) of the User.

1.6. "PSP (Payment Service Provider)" refers to banks which are allowed to acquire Users and provide payment services to Users and entities.

1.7. "UPI" refers to the Unified Payments Interface Service offered by NPCI in collaboration with its member banks.

1.8. "WhatsApp" means WhatsApp Inc., a Delaware, United States, company with offices at 1601 Willow Road, Menlo Park, CA 94025. It provides smartphone users with certain services via their phone's Internet connection, including sending and receiving messages, calls, photos, videos, documents and voice messages.

1.9. "WhatsApp Application" means WhatsApp's existing and future applications and services including its business and consumer applications and services for mobile, desktop and web.

2. Applicability of Terms

The User hereby acknowledges that the User has read and understood the Terms and agrees that the rights and obligations provided therein and in these Terms insofar as it relates to the User shall be binding on the User with regard to every Payment Order issued by them for execution in the NPCI UPI System. The User understands and agrees that nothing in terms of availing the Facility shall be construed as creating any contractual or other rights against NPCI or any participant in the NPCI UPI System other than ICICI Bank. Notwithstanding anything contained herein, all terms and conditions stipulated by ICICI Bank in connection with the Account(s) shall continue to apply. The Privacy Policy and Customer Rights Policy of ICICI Bank shall continue to apply on the Users. These Terms and Conditions are in addition to any terms and conditions that WhatsApp may prescribe for the use of its WhatsApp Application.

3. Scope of the Facility

The Facility offers an instant, 24x7, interbank electronic fund transfer or fund collection service to the customers of UPI member banks. Users can put in a request for fund transfers or respond to funds collection in a secure manner for any of their linked Account(s) as per the Terms, which may be changed by ICICI Bank as it deems fit.

Rights and Obligations of the User

3.1. The User shall be entitled, subject to Terms, to issue Payment Orders for execution by ICICI Bank.

3.2. The Payment Order shall be issued by the User, in the form as prescribed by ICICI Bank, which is complete in all particulars. The User shall be responsible for the accuracy of the particulars given in the Payment Order for the Facility and shall be liable to compensate ICICI Bank for any loss arising on account of any error in the Payment Order.

3.3. The User shall be bound by any Payment Order executed by ICICI Bank if ICICI Bank has executed the Payment Order in good faith and in compliance with the instructions given by the User on the WhatsApp Application.

3.4. The User authorises ICICI Bank to act as a PSP and debit Account(s) as per instructions received by way of Payment Orders. The User understands that although multiple bank accounts can be linked with the Facility, debit/credit transactions can be done from the default account which is selected by the User before transactions until changed by the User for subsequent transactions. Each Account that may be linked with the UPI facility can be opened with a separate username. The User shall ensure availability of funds in their Account(s) towards the fulfillment of the Payment Order before/at the time of the execution of the Payment Order by ICICI Bank. The User hereby authorises ICICI Bank to debit the Account(s) of the User for any liability incurred by ICICI Bank on behalf of the User for execution of the Payment Order issued by the User. The User understands and agrees that once a fund collection request is accepted, the default account will automatically be credited with such amounts as may be mentioned in the Payment Order. The User understands and agrees that such amounts once credited to the default account cannot be reversed by the User.

3.5. The User agrees that the Payment Order shall become irrevocable when it is executed by ICICI Bank.

3.6. The User agrees that they shall not be entitled to make any claim against Reserve Bank of India ("RBI") and/or National Payment Corporation of India ("NPCI") in respect to the Facility.

3.7. The User shall provide correct beneficiary details to ICICI Bank at the time of availing the Facility. The User shall be solely responsible for entering wrong beneficiary details including but not limited to incorrect VPA, incorrect Aadhaar number or incorrect mobile number, due to which the funds are transferred to an incorrect beneficiary.

3.8. The User shall not hold ICICI Bank responsible for any damage, claim or issue arising out of or in connection with any purchase of goods/services from merchants through Payment Orders issued by the Facility. The User understands and agrees that all such losses, damages and issues shall constitute a claim against such merchants.

3.9. The User agrees that the Facility is offered in line with the RBI's guidelines on mobile banking which are subject to change from time to time.

3.10. The User shall inform ICICI Bank immediately of any inquiry, question or issue raised by any authority including but not limited to any statutory authority or official regarding and relating to ICICI Bank, as well as expeditiously notify ICICI Bank of any show causes, seizure or similar action and provide copies of any notices, memos or correspondences received from such authority. The User shall not unilaterally file any response/reply to such an authority without the prior approval of and vetting by ICICI Bank.

3.11. The User shall be solely liable for ensuring the availability of sufficient funds in the Account(s) at all times for the purpose of availing the Facility. The User agrees that in the event there are insufficient funds in the Account, ICICI Bank can decline the transaction instruction.

4. Undertakings and Representations

The User hereby undertakes, represents and warrants to ICICI Bank that:

4.1. The role of ICICI Bank hereunder is limited to acting as a Payment Service Provider, which would include receiving from WhatsApp, bank information/data of the User for the purpose of (i) creation of the VPA; and (ii) processing the transactions initiated by the User using the UPI Facility as per applicable law.

4.2. The User shall be in compliance at all times with applicable laws regarding the use of the Facility and shall not use the Facility in violation of the applicable laws.

5. General Terms

5.1. The laws of India shall govern these terms and conditions and/or the operations in the Account(s) maintained with ICICI Bank. Any legal action or proceedings arising out of these Terms shall be brought in the courts or tribunals at Mumbai in India. ICICI Bank may, however, in its absolute discretion commence any legal action or proceedings arising out of these Terms in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction.

5.2. The clause headings in these Terms are only for convenience and do not affect the meaning of the relative clause.

5.3. ICICI Bank may subcontract and employ agents to carry out any of its obligations hereunder.

5.4. ICICI Bank has the absolute discretion to amend or supplement any of the Terms as stated herein at any time and will endeavour to give prior notice of 15 days for such changes wherever feasible. By using the new services, the User shall be deemed to have accepted the changed terms and conditions.

5.5. Notices under these Terms may be given in writing by delivering them by hand, or on ICICI Bank's website www.icicibank.com, or by sending them by post to the last address given by the User and, in the case of ICICI Bank, to its corporate office address. In addition, ICICI Bank may also publish notices of general nature, which are applicable to all Users, in a newspaper or on its website at www.icicibank.com. Such notices will have the same effect as a notice served individually to each User. Notice and instructions will be deemed served 7 days after posting or upon receipt in the case of hand delivery, cable, telex or facsimile.

5.6. Any provision of these Terms which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of these Terms or affect such provision in any other jurisdiction. ICICI Bank shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the Account(s) to the extent of all outstanding dues, whatsoever, arising as a result of the Facility extended to and/or used by the User.

6. Sharing of Information

6.1. The User irrevocably and unconditionally authorises ICICI Bank to access all the User's Account(s) and records for the purpose of providing the Facility. The User agrees that ICICI Bank and its affiliates (or their contractors) may hold and process their personal information and all other information concerning their Account(s) on computer or otherwise in connection with the Facility as well as for analysis, credit scoring and marketing.

6.2. The User hereby expressly consents to and permits ICICI Bank, its affiliates and all the parties involved in the payment system including but not limited to Payments System Providers, acquiring banks, partner banks, the issuer bank of the sender's funding account, the issuer bank of the beneficiary's bank account, NPCI and RBI to collect, store and share such information including but not limited to their personal information such as name, address, all transaction details carried out through the WhatsApp Platform or information with respect to third parties and the beneficiary including bank account number.

6.3. In the event the User is a beneficiary, the User hereby consents ICICI Bank to permit the remitter to store their information including but not limited to bank account number for the purpose of sending the payments.

6.4. The User understands and agrees that certain information collected by ICICI Bank, including information obtained from Payments System Providers, acquiring banks, partner banks, the issuer bank of the sender's funding account, the issuer bank of the beneficiary's bank account, NPCI and RBI or third parties, is shared between ICICI Bank and WhatsApp to provide the Facility. In addition, the User understands and agrees that ICICI Bank is required to share their personal information, such as name, email address and payment instrument details, with third parties for the purposes of processing transactions or for the use of the services to register their complaints. ICICI Bank will abide by NPCI guidelines and adhere to the customer dispute management process specified by NPCI.

6.5. The User agrees and understands that the transaction will be recorded in the statement of account as given to the User by the User's bank. The User agrees that they shall not be entitled to dispute the correctness of the execution of the Payment Order or the amount debited to their Account(s) if they fail to report the discrepancy as per NPCI guidelines.

7. Disclaimer of Liability

7.1. ICICI Bank does not hold out any warranty and makes no representation about the quality of the Facility. The User agrees and acknowledges that ICICI Bank shall not be liable and shall in no way be held responsible for any damages whatsoever, whether such damages are direct, indirect, incidental or consequential and irrespective of whether any claim is based on loss of revenue, interruption of business, transaction carried out by the User and processed by ICICI Bank, information provided or disclosed by ICICI Bank regarding Account(s) or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. While ICICI Bank shall endeavour to promptly execute and process the transactions as proposed to be made by the User, ICICI Bank shall not be responsible for any non-response or delay in responding due to any reason whatsoever, including due to failure of operational systems or any requirement of law. ICICI Bank shall not be liable for any loss, claim or damage suffered by the User and/or any other third party arising out of or resulting from failure of a UPI transaction on account of time-out transaction; i.e., where no response is received from NPCI or the beneficiary bank to the transaction request and/or where mobile number or account number of the beneficiary does not exist. Further, ICICI Bank shall also not be liable for any loss, damage and/or claim arising out of or resulting from wrong beneficiary details, mobile number and/or account details being provided by the Customer. ICICI Bank shall, under no circumstance, be held liable to the User if Facility access is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, faults in the telecommunication network or network failure, or any other reason beyond the control of ICICI Bank.

7.2. The User is responsible for the accuracy and authenticity of the Payment Order provided to ICICI Bank and the same, if in the form and manner prescribed by ICICI Bank, shall be considered to be sufficient to operate the UPI Facility. ICICI Bank shall not be required to independently verify the Payment Order. ICICI Bank has no liability if it does not or is unable to stop or prevent the implementation of any Payment Order issued by the User. Once a Payment Order is issued by the User, the same cannot be subsequently revoked by the User.

7.3. ICICI Bank states that it has no liability or obligation to keep a record of the Payment Orders to provide information to the User or for verifying the Payment Orders. ICICI Bank shall refuse to comply with the Payment Orders without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any Payment Order. ICICI Bank has the right to suspend the transactions with respect to the UPI Facility if it has reason to believe that the User's Payment Orders will lead to or expose to direct or indirect loss to ICICI Bank or may require an indemnity from the User before continuing to operate the UPI Facility.

7.4. All Payment Orders, requests, directives, orders and directions, entered by the User, are based upon the User's decisions and are the sole responsibility of the User.

7.5. Users shall not hold ICICI Bank responsible and/or liable in any manner whatsoever for any losses/damages/costs incurred by the User for creation of the VPA and/or initiating/processing/cancelling any transaction on the WhatsApp Platform.

8. Fraud or Unauthorised Use

ICICI Bank shall not be responsible for, and the User shall solely be responsible for, any unauthorised access or use of their personal or financial information through the WhatsApp Platform.

9. Indemnity

The User agrees, at their own expense, to indemnify, defend and hold harmless ICICI Bank against any claim, suit, action or other proceeding brought against ICICI Bank, to the extent that such claim, suit, action or other proceeding brought against ICICI Bank is based on or arises in connection with the use of the Facility with reference to:

1. a violation of the Terms by the User;
2. any deletions, additions, insertions or alterations to, or any unauthorised use of, the Facility by the User;
3. any misrepresentation or breach of representation or warranty made by the User contained herein;
4. any breach of any covenant or obligation to be performed by the User hereunder;
5. any loss incurred by or threatened to be incurred by NPCI/RBI and/or any regulatory proceeding arising out of or in connection with the User's use of the Facility.

10. Assignment

ICICI Bank shall be entitled to sell, assign, securitise or transfer ICICI Bank's rights and obligations under these Terms and any security in favour of ICICI Bank (including all guarantee[s]) to any person of ICICI Bank's choice in whole or in part and in such manner and on such terms and conditions as ICICI Bank may decide. Any such sale, assignment, securitisation or transfer shall conclusively bind the User and all other persons. The User, their successors and assigns are bound by these Terms. However, the User shall not be entitled to transfer or assign any of their rights and obligations under these Terms.

11. Termination and Suspension

11.1. The User may request for termination of the UPI Facility anytime by giving a prior written notice of at least 15 days to ICICI Bank. The User will remain responsible for all the transactions made through the UPI Facility until the time of such termination.

11.2. ICICI Bank may withdraw or terminate the UPI Facility anytime either entirely or with reference to a specific UPI Facility without assigning any reasons whatsoever. ICICI Bank may suspend or terminate the UPI Facility without prior notice if the User has breached any of these Terms.

11.3. ICICI Bank may suspend or terminate the UPI Facility anytime without assigning any reason whatsoever without any prior notice upon the request of WhatsApp.

12. Miscellaneous

12.1. The laws of India shall govern these terms and conditions and/or the operations in the Account(s) maintained with ICICI Bank. Any legal action or proceedings arising out of these Terms shall be brought in the courts or tribunals at Mumbai in India.

12.2. ICICI Bank has the absolute discretion to amend or supplement any of the Terms as stated herein at any time and will endeavour to give prior notice of 15 days for such changes wherever feasible. By using the new services, the User shall be deemed to have accepted the changed terms and conditions. Notices under these Terms may be given in writing by delivering them by hand, or on ICICI Bank's website www.icicibank.com, or by sending them by post to the last address given by the User and, in the case of ICICI Bank, to its corporate office address.

12.3. Notice and instructions will be deemed served 7 days after posting or upon receipt in the case of hand delivery, cable, telex or facsimile.

HDFC Bank's Payment Service Terms

These terms and conditions shall be in addition to HDFC Bank Privacy Policy.

To read HDFC Bank Privacy Policy, click here.

The user of this HDFC Bank UPI facility (the “User”) should have his mobile number registered with the Bank and should have existing relationship with his/her Bank for availing this Facility/Service, using HDFC Bank UPI facility.

The Facility/Service shall be made available only to the User satisfying the eligibility criteria and shall be provided at the sole discretion of HDFC Bank Ltd and may be discontinued by HDFC Bank Ltd at any time without notice.

The User shall be solely responsible and liable:

1. For the accuracy of any personal or other information provided for availing this Facility/Service.
2. For Pay or Collect requests initiated through HDFC Bank UPI facility.
3. To comply with the applicable laws, rules and regulations governing such funds transfers as stipulated by the Reserve Bank of India, from time to time.
4. For all loss, cost and damage, if he/she has breached the terms and conditions contained herein and in the HDFC Bank Mobile Banking Policy.

HDFC Bank Ltd shall not be held responsible and liable for any loss, cost and damage suffered by the User due to disclosure of his personal or other information to a third party including but not limited to statutory/regulatory authority by HDFC Bank Ltd for whatsoever reason, e.g., participation in any telecommunication or electronic clearing network in compliance with a legal or regulatory directive for statistical analysis or for credit rating or for any legal or regulatory compliance.

Axis Bank's Payment Service Terms

These terms and conditions form the contract between the User and the Axis Bank and shall be in addition to and not in derogation of other terms and conditions of any account or any other facility/services offered by the Bank and/or such other terms and conditions as may be specified by the Bank.

Definitions:

The following words and phrases shall have the meanings set out herein below in this document unless repugnant to the context:

“Application” or “Mobile Payment Application” refers to ‘WhatsApp’ mobile application by WhatsApp Inc that has tied up with Axis Bank for Unified Payment Interface services, which can be downloaded from Google Play store or Apple Store to avail UPI Services through this mobile application.

"Account(s)" shall mean an operative bank account maintained by the User with Axis Bank or any other Bank Account which User provides at the time of authentication process of Application, for availing the facility which is being offered.

“Account Holder” shall mean a User holding an Account, excluding Non-Resident Indians, Corporate Account Holders and Foreign Account Holders.

"Bank" and "Axis Bank" shall mean Axis Bank Limited, a company incorporated under the Companies Act 1956 and licensed as a bank under Banking Regulation Act, 1949 having its registered office at 'Trishul', 3rd Floor, Opposite Samartheshwar Temple, Law Garden, Ellis Bridge, Ahmedabad 380 006, Gujarat and corporate office at 131, Maker Towers 'F', Cuffe Parade, Mumbai. This term shall be inclusive of any 'affiliates' of the Bank which shall mean and include any company which a holding company or a subsidiary of ; a person under the control of the Bank or any person in which the bank has a direct/beneficial interest in more than 26% of the voting securities of such person. For the purpose of this definition, "control", when used with respect to any person would mean the power to direct the management and policies of such person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise howsoever; and "person" would mean a company, corporation, a partnership, trust or any other entity or organization or other body whatsoever.

“Debit Card” shall means and includes the debit card issued to the User in respect of an operative bank account maintained by the User with Axis Bank or any other Bank Account.

"Facility" shall mean UPI services offered by Axis Bank through WhatsApp to facilitate User to send or receive money via UPI platform, through said Mobile Application.

“Issuing Bank” shall mean member banks participating in UPI network to identify the bank account basis Mobile No in case of customer is registering through any PSP App.

"Mobile Phone Number" shall mean the mobile number of the User used during registration for Mobile/SMS Banking via secured channel with Axis Bank or for the Whatapp Application, for the purpose of availing the facility.

“UPI” shall mean unified payments interface is a service provided by NPCI that allows transfer of money using a virtual address (UPI ID) that is mapped to an account of the User after complete validation.

“NPCI” shall mean National Payment Corporation of India. The funds transfer feature (send and ask) is provided using UPI service of NPCI.

“Virtual Address/UPI ID” shall mean an identifier that can be uniquely mapped to an individual account using a translation service.

"Mobile Phone" shall mean a valid SIM card enabled smartphone (running on Android operating system/ iphone), which is owned by the User.

"Personal information" shall mean any information about the User provided by the User to and obtained by Axis Bank in relation to the facility.

“Services” shall mean UPI services offered by Axis Bank under the said facility on WhatsApp Application.

“Transaction” shall mean the fund transfer service to send or receive money; offered under the said facility on WhatsApp application.

"User" shall mean an Account Holder of Axis Bank as well as any other person (not necessary having any relationship with Bank) who has downloaded the WhatsApp application and who is eligible for availing fund transfer facility to send or receive money offered thereunder.

For the purposes of this document, all reference to the User in masculine gender shall be deemed to include feminine gender also.

Eligibility and Usage:

This facility shall be available to the Users in India, using WhatsApp Application. The User should have his/her Mobile Phone Number registered with his/her Bank for SMS/Mobile Banking and should have existing relationship with his/her Bank for availing this Facility and services thereunder, using this Mobile Payment Application.

This facility shall be made available only to the Users satisfying the eligibility criteria and shall be provided at the sole discretion of Axis Bank and may be discontinued by Axis Bank at any time, with or without prior intimation to the Users.

The User understands and accepts that any other condition that is a pre-requisite to access and avail benefits under the facility, including, but not limited to a Mobile Phone, Data Connection, etc. will be the sole responsibility of the User.

Authorization:

The User irrevocably and unconditionally authorizes Axis Bank to access his Account and the Personal details registered while authentication of Application for availing the service including effecting Banking or other transactions of the user through the facility.

The User expressly authorizes Axis Bank to disclose to the service provider or any other third party, all user information in its possession, as may be required by them to provide the services offered under the said facility to the User.

The authority to record the User’s details and transaction details is hereby expressly granted by the User to Axis Bank. All records generated by the transactions arising out of use of the facility, including the time of the transaction, beneficiary details, etc; recorded shall be conclusive proof of the genuineness and accuracy of the transactions.

The User authorizes Axis Bank to send any message or make calls to his mobile phone Number to enquire about any transaction/UPI related services and/or to inform him about any promotional offers including information regarding Banks' new products either now available or which Axis Bank may come up with in the future, or any other message that Axis Bank may consider appropriate to the User.

The User irrevocably and unconditionally agrees that such calls or messages made by the Axis Bank and/or its Agents shall not be construed as a breach of the privacy of the User and shall not be proceeded against accordingly.

The User authorizes Axis Bank to send any rejection message or to reject any transaction/request if it finds that the request sent by the User is not as per the requirements stipulated by Axis Bank for availing the facility.

Axis Bank shall make all reasonable efforts to ensure that the User’s information is kept confidential. Axis Bank, however, shall not be responsible for any divulgence or leakage of confidential User information.

The User expressly authorizes Axis Bank to carry out all request(s) or transaction(s) for and/or at the request of the User through WhatsApp Application and the Bank shall solely rely upon authenticity of any request or transaction purporting to have been received from the User through WhatsApp Application.

Liabilities and Responsibilities of the User:

1. The User shall be responsible for the accuracy of any information provided by the user for availing the facility.
2. The USER shall be solely responsible for fund transfer through the Facility to the correct Beneficiary/ virtual address.
3. The USER shall also be responsible to comply with the applicable Anti-Money Laundering (AML) norms governing such funds transfers as stipulated by Reserve Bank of India (“RBI”), from time to time.
4. The USER shall be liable and responsible in case of any discrepancy found in the information provided by him for availing fund transfer service offered through the Facility.
5. If, the USER suspects that, there is an error in the information supplied by Axis Bank, he shall inform the Bank immediately. Axis Bank will endeavor to correct the error promptly wherever possible on a best effort basis.
6. Axis Bank shall not be held liable for any loss suffered by the User due to disclosure of the Personal information to any service provider or third party by the Bank, for reasons including but not limited to participation in any telecommunication or electronic clearing network, in compliance with any legal or regulatory directives, for statistical analysis or for credit rating or for any legal or regulatory compliance.
7. The User shall be solely responsible for protecting his Mobile Phone and UPI PIN for the use of the said facility.
8. The User shall be liable to the Bank for any kind of unauthorized or unlawful use of any of the above mentioned UPI PIN /passwords or of the said Facility or any fraudulent or erroneous instruction given and any financial charges thus incurred shall be payable by the User only.
9. The User accepts that for the purposes of the said facility any transaction emanating from the Mobile Phone Number registered by User shall be assumed to have initiated by the User at his sole discretion.
10. It is the sole responsibility of the User to request the Bank, to suspend the said facility due to change of his registered Mobile Phone Number or if his Mobile Phone has been lost or has been allotted to some other person. The User shall also be obliged to inform the Bank, if any, unauthorized transaction in his account, of which he has knowledge.
11. It shall be the responsibility of the User to update him with regard to any information relating to the services as Axis Bank may decide to provide certain other additional services under the said facility. Axis Bank shall not be responsible for any disregard on the part of the User.
12. The User shall be liable for all loss if he has breached the Terms and conditions contained herein and other applicable terms & conditions or contributed or caused the loss by negligent actions or a failure on his part to advise Axis Bank within a reasonable time about any unauthorized access made on his behalf in the WhatsApp Application.
13. The User shall agree that by use of this facility, he shall be deemed to have agreed to all the above terms and conditions and such terms and conditions shall be binding on me/us in the same manner as if he has agreed to the same in writing.

Terms of Service:

These terms & conditions are in addition to the general terms & conditions of any account or any other facility provided by Axis Bank to its Customers.

1. This facility is available only to the User having a bank account with any bank in India providing Immediate Payment Service (IMPS), Unified Payment Interface (UPI), including the fund transfer service.
2. User shall register him for using the Application in such manner and through such modes as may be specified and made available by WhatsApp from time to time for availment and use of the facility.
3. Axis Bank reserves right to charge the User for the services offered under the said facility.
4. This facility will be provided by Axis Bank at the request of the User to enable them to Send or receive the funds through Application to the accounts/virtual addresses added in the application based on the instructions received from User.
5. The User irrevocably and unconditionally authorizes Axis Bank to debit or Credit his account/s with the Bank registered for availing the facility.
6. User agrees and confirms that, for the purpose of availing said facility :
   
   a) User has to add his existing account maintained with Axis Bank or any other Bank, to the WhatsApp application.
   
   b) User has to select the appropriate bank details where his account is maintained, for the purpose of adding his account to WhatsApp application. The account details will be fetched by the Axis Bank through WhatsApp application via NPCI and the Issuing bank, basis the mobile number shared by User. The account details which will be fetched by the Bank will be displayed to the User on his mobile phone/device in the message format.
   
   c) After the successful account addition in the WhatsApp application, the User has to only authorize the transaction by entering the UPI PIN set-up by said User. This UPI PIN will be set-up by the User directly on the NPCI library and Axis bank would not be able to read or copy such UPI PIN, thus Axis Bank will not be responsible to maintain the confidentiality of such UPI PIN.
   
   d) The User should act in good faith, exercise reasonable care and diligence and shall be solely responsible for the confidentiality of his account details, debit card details, OTP or UPI PIN and any personal information (“credentials”). User acknowledges, represents and confirms that his credentials are personal to the him and the User shall ensure at all times to keep the same confidential and Axis Bank shall not be held liable or responsible if the User discloses his credentials to any third party in any manner whatsoever or authorizes any third party to operate account or hands over his WhatsApp application or if third party changes/modifies the credentials in the WhatsApp application due to disclosure of such credentials by the User or misuse the WhatsApp application permitted by User to use by third party. Therefore, Bank shall not be held liable or responsible in case of any details including UPI PIN are compromised by User and/or any misuse of WhatsApp application by third party, in such case the User shall be solely liable and responsible and shall keep Axis Bank indemnified, harmless and absolved from any liability in this regard including from any loss, cost, penalty, charges, including legal fees/charge, etc.; which may cause to Axis Bank due to User’s disclosure of his credentials/UPI PIN to any third party/person or any misused thereof in any manner whatsoever including the misuse of WhatsApp Application by third party. The User shall be solely liable and responsible, in case if the said details are compromised by the Customer knowingly or unknowingly, in any manner whatsoever.
   
   e) Axis Bank account and Non Axis Bank account details of the User would be stored at Axis Bank server database to the extant details provided by NPCI as per NPCI guidelines.
   
   f) User shall adhere to the limit set Axis Bank for making any fund transfer under said facility.
7. For the purpose of availing this facility, User shall take all necessary precautions to prevent unauthorized and illegal use of Application and services offered through the facility.
8. The User will be required to register his details including bank account details after downloading the Application to Send and Receive the funds through said facility.
9. The User shall be responsible for maintaining the confidentiality of UPI PIN/ OTP/Code/password and for all the consequences which may arise due to use or misuse of such UPI PIN/OTP/Passcode/password.
10. The User shall be responsible for any and all the fund transferred to beneficiaries at their request or received by using the Facility.
11. The User shall be liable for all loss caused due to negligent actions or a failure on his part to immediately notify Axis Bank within a reasonable time, about any unauthorized use/access made on his behalf in the Application or misuse of UPI PIN/ OTP/Passcode/password or any other breach of security regarding the facility, of which he has knowledge.
12. The User irrevocably and unconditionally authorise Axis Bank to access all the necessary information for effecting transactions executed by him under the facility and to share his necessary information with any third parties for the purpose of accepting/ executing such requests.
13. Axis Bank may keep records of the transactions in any form it wishes. In the event of any dispute, Bank's records shall be binding as the conclusive evidence of the transactions carried out through the said Application.
14. The User shall not to use/access the Facility and/or services offered through the same in any manner other than as authorized by Axis Bank. In case the User uses the Facility for any purpose which is illegal, improper or which is not authorised under these terms /other specified terms & conditions then Axis Bank has a right to take all reasonable measures in order to prevent such unauthorised access by the User.
15. The User confirms that, any instructions given by him shall be effected only after validation of authentic UPI PIN/ OTP/Passcode/Password used by him for availing such facility.
16. The User agrees and confirms that, once the transaction is materialized, any stop-payment instructions given by him cannot be accepted and acted upon by Axis Bank.
17. The User shall while utilizing the facility ensure that:
    
    a) he has authority to access and avail the services obtained and shall duly comply with the applicable laws and regulations prevailing in India.
    
    b) he shall provide Axis Bank with such information and/or assistance as is required by Axis Bank for the performance of the service and /or any other obligations of Axis Bank under this facility.
    
    c) he shall be responsible for providing the accurate and authentic information/instructions to Axis Bank for availing such facility.
    
    d) he shall not at any time provide to any person, with any details of accounts held by him with Axis Bank or any other Bank including the passwords, account number which are allotted, from time to time.
18. The User acknowledges that, the services offered by Axis Bank under the said facility shall be availed by him at his own risk and these risks shall include the following risks:
    
    a) any technical error, failure, glitch, network failure, legal restraints and other reasons which is beyond control of Axis Bank and for which Axis Bank shall not hold in any manner.
    
    b) any loss, damages, etc. that may be incurred/suffered by User, for the reason that the information provided by him turns out to be wrong/incorrect/inaccurate, for which Axis Bank shall not be held responsible.
    
    c) for the performance of any service provider/other third party/entity involved in the process; and for any loss or damage incurred or suffered by User for any error, defect, failure or interruption of the service or consequences arising out of delayed fund transfer.
    
    d) any loss of damage arising or resulting from delay in transmission delivery or non-delivery of online/electronic instructions or any mistake, omission or error in transmission or delivery thereof or in decrypting the instructions from any cause whatsoever or from its misinterpretation received or any act or even beyond control of Axis Bank.
    
    e) The technology for enabling the transfer of funds and the other services offered by Axis Bank under the said facility could be affected by virus or other malicious, destructive or corrupting code, program or macro. It may be possible that the said Application/ server of Axis Bank may require maintenance and during such time it may not be possible to process the request/transaction of the Users. This could result in delays in the processing of instructions or failure in the processing of instructions and other such failures and inability. User understand that Axis Bank disclaims all and any liability, whether direct or indirect, whether arising out of loss or otherwise arising out of any failure or inability by the Bank to honour any User instruction for whatsoever reason.
    
    f) The User shall be entering his sensitive information, OTP or UPI PIN in NPCI library for authorizing any transaction initiated by the User and the final authorisation of any such transaction which will be done by the Issuing bank only after confirmation received from the Issuing bank from the User. User agrees and confirms that, he shall be alone responsible for use/disclosure of his details as mentioned herein, for initiating/authorizing any transaction through the Facility via NPCI and the Issuing bank and shall keep Axis Bank indemnified, harmless and absolved from any liability in this regard including from any loss, cost, penalty, charges, including legal fees/charge, etc; which may cause to Axis Bank due to use/disclosure of User’s details mentioned herein by User, over NPCI Library and to the Issuing bank for seeking their confirmations, in respect of any transaction initiated/authorized by the User. Therefore, the User shall be solely liable and responsible, in such case if any loss, cost, penalty, charges, including legal fees/charge, etc; incurred to the User, in any manner whatsoever in this regard.
19. The User agrees that Axis Bank shall assume no responsibility in respect of:
    
    a) Transactions carried out under the service in good faith relying on User’s instructions.
    
    b) Not carrying out transactions where Axis Bank has reason to believe in its sole discretion that the instructions are not genuine or are otherwise unclear, improper, vague or doubtful.
    
    c) For any loss or damage incurred or suffered by User for any error, defect, failure or interruption of the service or consequences arising out of delayed transfer/remittance and for any reason which is beyond control of Axis Bank.
    
    d) User acknowledges and agrees that Axis Bank remains a mere facilitator for this service and that Axis Bank does not warrant or claim any responsibility for this facility nor does Axis Bank endorse any such service and/or its standing or reputation whatsoever and Axis Bank shall not liable for any deficient or bad services in any manner whatsoever and for any loss, whatsoever that User may suffer. The risk in this regard is entirely on the User.
    
    e) Unauthorized access of any third party to the information/instructions given by user to third party using said facility.
    
    f) For any direct, indirect or consequential damages occurred to User while availing this facility, arising out of any error in the facility and which are beyond control of Axis Bank.
    
    g) When Axis Bank acted in good faith.
    
    h) Any loss, damage, liability caused or suffered by User due to disclosure of all information of confidential nature
    
    i) In respect of UPI System, as the connectivity to UPI System is extended to the Axis Bank only and any/all secure credentials that are required to process the transaction shall be provided by the User which will be captured and encrypted as per the construct and requirement of UPI only, by NPCI. Therefore, the secure mechanism or interface will be extended by NPCI through UPI system to Axis Bank including but not limited to secured credentials or sensitive information such as User’s UPI PIN, OTP in encrypted manner.
20. User agrees that, charges if any for the facility offered by Axis Bank will be at the sole discretion of Axis Bank and Axis Bank is at the liberty to withdraw/modify/vary the same from time to time, without giving any notice to me/us.
21. The Bank at its sole discretion reserves the exclusive right to block, temporarily or permanently, virtual payment address(es) of the User, if it identifies that the user-name or words used in the virtual payment address(es), as misleading, offensive, prohibited, promotional or brand-names, trademark or copyright pertaining to any third party, with or without prior intimation to the User, for which the Bank shall not be held liable or responsible in any manner whatsoever.
22. The User agrees that, if his bank account is closed/ blocked pursuant using the facility, for any reason whatsoever, user shall settle the issue directly with his Bank and shall not hold Axis Bank any way responsible for the same.
23. The User shall remain responsible for any and all the transactions made through the facility. Axis Bank may withdraw or terminate the facility anytime or in case of breach of terms by me/us without a prior notice; or if Axis Bank learns of demise, bankruptcy or lack of legal capacity of the User or for any reason whatsoever.
24. The User agrees that, User is not entitled to consolidate amounts available in his different bank accounts maintained with his bank(s) for making payments using said Facility. Therefore, at one given point of time User is entitled to use funds available in particular bank account which he has chosen for making payment using the said Facility.
25. The User agrees to indemnify, defend and hold harmless Axis Bank and its directors, officers, owners, agents, co-branders or other partners, employees, information providers, licensors, licensees, consultants, contractors and other applicable third parties (collectively "Indemnified Parties") from and against any and all claims, demands, causes of action, debt or liability, including reasonable attorney's fees, and costs incurred by the Indemnified Parties arising out of, related to, or which may arise from:
    
    a) any breach or non-compliance by User of any term of these Terms of Service or any other additional terms & conditions and policies of Axis Bank;
    
    b) any dispute or litigation caused by Users actions or omissions;
    
    c) any negligence or violation or alleged violation of any law or rights of a third party
26. Axis Bank may provide the any services through this Facility, directly or through its associates or contracted service providers on its behalf.

Limitations on transactions

Transaction limits as prescribed by the regulator for the UPI facility shall be applicable to each User

Indemnity:

In consideration of Axis bank agreeing to provide the Facility and/or services to the User, the User shall, at his own expense, hereby irrevocably agrees, to indemnify and keep Axis bank its directors and employees, representatives, agents and/or affiliates (hereinafter referred to as “the related parties”), as the case may be, indemnified and harmless, at all times hereafter, from all losses, damages, costs, legal fees, charges and expenses and consequences whatsoever, on full indemnity basis, suffered or incurred or likely to suffer by Axis bank or the related parties on account of any claims, actions, suits or otherwise instituted by the User, or any third party whatsoever, arising out of or in connection with the use of the Facility and any and all transactions initiated by the use of the Facility, whether with or without the knowledge of the User, or whether the same have been initiated bona fide or otherwise which transactions, the User hereby acknowledges, Axis bank or the related parties has processed on the User’s transaction instructions and authority of the User in accordance with these terms and conditions and other applicable specific terms and conditions, as the case may be. The User further agrees and confirms that this indemnity shall remain valid and subsisting and binding upon the User notwithstanding partial withdrawal of the Facility.

The User will pay Axis Bank and /or the related parties such amount as may be determined by Axis Bank and/or the related parties to be sufficient to indemnify it against any such loss or expenses even though they may not have arisen or are contingent in nature.

The User agrees to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against it or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

Confidentiality and Disclosure:

To the extent not prohibited by applicable law, the Axis bank shall be entitled to transfer any information relating to the User and/or any other information given by the User for utilization of the Facility to and between its branches, representative offices, affiliates, representatives, auditors and third parties selected by Axis bank, wherever situated, for confidential use in and in connection with the Facility. Further, Axis bank shall be entitled at any time to disclose any and all information concerning the User within the knowledge and possession of Axis bank to any other bank/association/financial institution or any other body. This clause will survive the termination of this agreement.

Accuracy of Information:

The User takes the responsibility for the correctness of the information supplied by him to the Bank through the use of the said facility or through use of the Application or by any other means.

The User herein accepts that in case of any discrepancy in the information provided by him with regard to this facility the onus shall lie upon the User only and thus agrees to furnish accurate information at all times to Axis Bank. If the User suspects that there is an error in the information supplied by Axis Bank to him, he shall inform the Bank immediately. Axis Bank will endeavor to correct the error promptly wherever possible on a best effort basis. Axis Bank shall also not be responsible for any incidental error which occurs inspite of necessary steps being taken by the Bank to ensure the accuracy of the information provided to the User and the User shall not have any claim against Axis bank in an event of any loss/damage suffered by the User as a consequence of the inaccurate information provided by the Bank.

Termination:

Axis Bank may, at its discretion, withdraw temporarily or terminate the Facility, either wholly or in part, at any time without giving prior notice to the User. Axis Bank may, without prior notice, suspend the Facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which require the suspension of the Facility. The closure of the account of the User will automatically terminate the Facility. Axis Bank may suspend or terminate Facility without prior notice if the User has breached these terms and conditions or Axis Bank learns of the death, bankruptcy or lack of legal capacity of the User. Except as otherwise provided by the applicable law or regulation, Axis bank reserves the right to terminate the Facility and/or expand, reduce or suspend the transactions allowed using this Facility, change the process and transaction limits associated with this Facility based on security issues, at any time, without any prior notice to the User.

Disclaimers:

Axis bank shall be absolved of any liability in case:

The User fails to avail the facility due to force majeure conditions including but not limited to not being in the required geographical range or any other reason including natural calamities; legal restraints any technical lapses in the telecommunication network or any other reasons beyond the actual control of Axis Bank, the Bank shall not be accountable. Also the Bank is herein absolved of any kind of liability arising due to a loss; direct or indirect incurred by the User or any other person due to any lapse in the facility owing to the above-mentioned reasons.

The User is acting in good faith on any transaction instructions received by Axis bank;

There is any unauthorized use of the User's UPI PIN, Password, Passcode, OTP or Mobile Phone or Mobile Phone Number for any fraudulent, duplicate or erroneous transaction instructions given by use of the User's UPI PIN, Password, Passcode, OTP or Mobile Phone or Mobile Phone Number;

There is loss of any information during processing or transmission or any unauthorized access by any other person or breach of confidentiality.

There is any lapse or failure on the part of the service providers or any third party affecting the said facility and that Axis bank makes no warranty as to the quality of the service provided by any such service provider or any third party.

Axis Bank does not warrant the confidentiality or security of the messages or notifications whether personal or otherwise transmitted through the Application in respect of the said Facility. Axis Bank makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the User or by any person resulting from or in connection with the Facility.

Axis Bank, its directors and employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the User or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of the Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the User and the network of any service provider and the Bank's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the User, the Bank's system or the network of any service provider and/or any third party who provides such services as is necessary to provide the Facility.

Notwithstanding anything in the contrary provided in this terms and conditions, Axis Bank shall not be involved in or in any way liable to the User for any dispute between the User and a cellular services provider or any third party service provider (whether appointed by the Bank in that behalf or otherwise).

Any loss incurred by the user due to use of the facility by any other person with an express or implied permission of the User. Axis bank shall not be held responsible for the confidentiality, secrecy and security of the personal or account information being sent through the facility for effecting the User's instructions.

Axis bank shall not be held liable for any loss suffered by the user due to disclosure of the personal information to a third party by the Bank, for reasons inclusive but not limited to participation in any telecommunication or electronic clearing network, in compliance with a legal directive, for statistical analysis or for credit rating.

Modification / Alterations To The Facility: Axis Bank reserves the absolute discretionary right to make any amendments in the given terms and condition at any time as it may deem fit without any prior notice to the User. Any such amendment shall be communicated to the User by displaying on the website http://www.axisbank.com and the User shall be bound by such amended terms and conditions.

Communication:

Axis Bank and the User may give notice under these terms and conditions electronically to the mailbox of the User (which will be regarded as being in writing) or in writing by delivering them by hand or by sending them by post to the last address given by the User and in case of Axis Bank at its office at Service Quality Department, Axis Bank Limited, Corporate Office, Bombay Dyeing Mills Compound,Pandurang Budhkar Marg, Worli, Mumbai - 400025, Tel: (022) 2425 2525. In addition, Axis Bank shall also provide notice of general nature regarding the facility and terms and conditions, which are applicable to all Users of the Facility, on the website http://www.axisbank.com and/ or also by means the customized messages and notifications sent to the User over his Mobile Phone Number as short messaging service ("SMS"). In addition Axis bank may also publish notices of general nature, which are applicable to all users of the facility. Such notices will be deemed to have been served individually to each User.

Governing law and jurisdiction:

The construction, validity and performance of these terms and conditions shall be governed in all respects by the laws of India. The parties hereby submit to the exclusive jurisdiction of the competent Courts at Mumbai, India which courts shall have jurisdiction in the matter to the exclusion of any other courts, irrespective of whether such other courts have similar jurisdiction in the matter. Axis Bank is absolved of any liability arising, direct or indirect, for non-compliance with the laws of any country other than India where the facility is accessible.

Privacy Policy

The user adheres to the Privacy policy of the bank that is detailed out in https://www.axisbank.com/privacy-policy.