Als je woonachtig bent in de Europese Regio, dan voorziet WhatsApp Ireland Limited je van WhatsApp onder deze Servicevoorwaarden en Privacybeleid.
Respect voor uw privacy zit in ons dna. Sinds we met WhatsApp zijn begonnen, hebben we onze Diensten opgebouwd met een serie belangrijke privacybeginselen in het achterhoofd. Het volgende kunt u in onze herziene Voorwaarden en Privacybeleid vinden:
WhatsApp Inc. ('WhatsApp', 'ons', 'onze', 'wij' of 'we') biedt diensten voor het versturen van berichten, bellen via internet en andere diensten aan gebruikers van over de hele wereld. Lees onze Servicevoorwaarden door, zodat u weet wat er op uw gebruik van WhatsApp van toepassing is. U stemt in met onze Servicevoorwaarden ('Voorwaarden') door onze apps, diensten, functies, software of website (gezamenlijk 'Diensten') te installeren, bezoeken of gebruiken.
GEEN TOEGANG TOT HULPDIENSTEN: Er bestaan belangrijke verschillen tussen WhatsApp en uw mobiele en vaste telefoon- en sms-diensten. Onze Diensten bieden geen toegang tot hulpdiensten of aanbieders van hulpdiensten, waaronder de politie, de brandweer of ziekenhuizen, en bieden ook geen ander soort verbinding met informatiediensten voor openbare veiligheid. Zorg ervoor dat u de desbetreffende aanbieders van hulpdiensten via een mobiele of vaste telefoon of via een andere dienst kunt bereiken.
ALS U EEN WHATSAPP-GEBRUIKER BENT IN DE VERENIGDE STATEN OF CANADA, BEVATTEN ONZE VOORWAARDEN EEN BINDENDE ARBITRAGEBEPALING, WAARIN IS VASTGELEGD DAT, TENZIJ U ZICH HIERVOOR AFMELDT EN MET UITZONDERING VAN BEPAALDE SOORTEN GESCHILLEN, U EN WHATSAPP ERMEE INSTEMMEN ALLE GESCHILLEN OP TE LOSSEN VIA BINDENDE INDIVIDUELE ARBITRAGE. DIT HOUDT IN DAT U AFSTAND DOET VAN HET RECHT OM EEN JURY OF RECHTER OVER DEZE GESCHILLEN TE LATEN BESLISSEN EN DAT U AFSTAND DOET VAN UW RECHT OM DEEL TE NEMEN AAN GROEPSVORDERINGEN, GROEPSARBITRAGES OF VORDERINGEN DOOR VERTEGENWOORDIGERS. LEES VOOR MEER INFORMATIE HET GEDEELTE 'SPECIALE ARBITRAGEBEPALING VOOR GEBRUIKERS IN DE VERENIGDE STATEN OF CANADA' HIERNA.
Registratie. U moet zich registreren voor onze Diensten met behulp van correcte gegevens, uw mobiele telefoonnummer verstrekken en, als u dit nummer wijzigt, het telefoonnummer in de app bijwerken via de functie voor het wijzigen van uw nummer. U stemt ermee in tekstberichten en telefoongesprekken te ontvangen (van ons of van externe aanbieders) met codes om u te registreren voor onze Diensten.
Adresboek. U verstrekt ons regelmatig de telefoonnummers van WhatsApp-gebruikers en uw andere contactpersonen in het adresboek van uw mobiele telefoon. U bevestigt dat u bevoegd bent om deze nummers aan ons te verstrekken, zodat wij onze Diensten kunnen verlenen.
Leeftijd. Voor het gebruik van onze Diensten moet u minstens 13 jaar oud zijn (of ouder indien dat verplicht is in uw land om onze Diensten te kunnen gebruiken zonder dat er ouderlijke toestemming nodig is). Naast dat u de minimale leeftijd moet hebben om overeenkomstig de toepasselijke wetgeving onze Diensten te gebruiken, moet één van uw ouders of uw voogd, als u niet oud genoeg bent om te kunnen instemmen met onze Voorwaarden, namens u instemmen met onze Voorwaarden.
Apparaten en software. U moet beschikken over bepaalde apparaten, software en gegevensverbindingen, die wij niet leveren, om onze Diensten te gebruiken. Zolang u onze Diensten gebruikt, stemt u ermee in updates, waaronder automatische updates, voor onze Diensten te downloaden en installeren.
Kosten en belastingen. U bent verantwoordelijk voor alle abonnements- en andere kosten en belastingen die samenhangen met uw gebruik van onze Diensten. We kunnen kosten voor onze Diensten in rekening brengen, waaronder de toepasselijke belastingen. We kunnen bestellingen weigeren of annuleren. We verstrekken geen restitutie voor onze Diensten, tenzij dit wettelijk verplicht is.
WhatsApp vindt uw privacy erg belangrijk. In het Privacybeleid van WhatsApp worden onze informatiepraktijken (waaronder berichten) beschreven, met inbegrip van de soorten informatie die we van u ontvangen en verzamelen en hoe we deze informatie gebruiken en delen. U stemt in met onze gegevenspraktijken, waaronder het verzamelen, gebruiken, verwerken en delen van uw informatie zoals beschreven in ons Privacybeleid, en tevens met het overdragen en verwerken van uw informatie naar of in de Verenigde Staten en andere landen waar wij faciliteiten, dienstenaanbieders of partners hebben of gebruiken, ongeacht waar u onze Diensten gebruikt. U erkent dat de wet- en regelgeving en normen in het land waar uw informatie wordt opgeslagen of verwerkt, kunnen verschillen van die in uw eigen land.
Onze voorwaarden en beleidsregels. U moet onze Diensten gebruiken overeenkomstig onze Voorwaarden en de bekendgemaakte beleidsregels. Als we uw account deactiveren vanwege een schending van onze Voorwaarden, maakt u geen andere account aan zonder onze toestemming.
Rechtmatig en toelaatbaar gebruik. U hebt alleen toegang tot onze Diensten en mag deze alleen gebruiken voor rechtmatige, toegestane en toelaatbare doeleinden. U mag onze Diensten niet gebruiken (noch anderen helpen deze te gebruiken) op een manier: a) die de rechten van WhatsApp, onze gebruikers of anderen schendt of ontvreemdt of hierop inbreuk maakt, met inbegrip van privacy- en publiciteitsrechten, intellectuele-eigendomsrechten of andere eigendomsrechten; b) die onrechtmatig, obsceen, lasterlijk, intimiderend, kwetsend, haatzaaiend, racistisch of etnisch beledigend is of aanzet of stimuleert tot gedrag dat onrechtmatig of anderszins ongepast is, waaronder het promoten van geweldsmisdrijven; c) waarbij sprake is van foutieve informatie, onjuiste voorstellingen van zaken of misleidende verklaringen; d) waarbij u zich voordoet als iemand anders; e) waarbij sprake is van het versturen van onrechtmatige of niet-toegestane communicatie, zoals massaberichten, automatische berichten, automatische gesprekken en dergelijke; of f) waarbij sprake is van niet-persoonlijk gebruik van onze Diensten, tenzij we daar toestemming voor hebben gegeven.
Schade aan WhatsApp of onze gebruikers. Het volgende is u niet toegestaan (noch mag u anderen hierbij helpen): toegang verkrijgen tot, gebruiken, kopiëren, aanpassen, wijzigen, maken van afgeleide werken op basis van, distribueren, licentiëren, sublicentiëren, overdragen, vertonen, uitvoeren of anderszins onze Diensten exploiteren op een ontoelaatbare of niet-toegestane wijze of op een manier die ons, onze Diensten, systemen, onze gebruikers of anderen belast, belemmert of beschadigt. Dit houdt in dat onder andere het volgende niet is toegestaan, rechtstreeks noch geautomatiseerd: a) toepassen van reverse engineering op, wijzigen, aanpassen, maken van afgeleide werken op basis van, decompileren of extraheren van code van onze Diensten; b) versturen, opslaan of overdragen van virussen of andere schadelijke computercode via of naar onze Diensten; c) verkrijgen of proberen te verkrijgen van onrechtmatige toegang tot onze Diensten of systemen; d) verstoren of onderbreken van de integriteit of prestaties van onze Diensten; e) aanmaken van accounts voor onze Diensten met behulp van niet-toegestane of geautomatiseerde middelen; f) verzamelen van informatie van of over onze gebruikers op niet-toegestane of ontoelaatbare wijze; g) verkopen, doorverkopen of verhuren van of kosten in rekening brengen voor onze Diensten; of h) distribueren of beschikbaar stellen van onze Diensten via een netwerk waar deze door meerdere apparaten tegelijkertijd kunnen worden gebruikt.
Uw account veilig houden. U bent ervoor verantwoordelijk uw apparaat en uw WhatsApp-account veilig te houden en u moet ons onmiddellijk informeren over onbevoegd gebruik van of inbreuk op uw account of onze Diensten.
Met onze Diensten hebt u mogelijk toegang tot websites, apps, inhoud en andere producten en diensten van derden of kunt u deze gebruiken of bezoeken. U kunt er bijvoorbeeld voor kiezen back-updiensten van derden te gebruiken (diensten zoals iCloud of Google Drive) die zijn geïntegreerd in onze Diensten of gebruikmaken van de knop 'Delen' op de website van een derde waarmee u informatie kunt sturen naar uw WhatsApp-contacten. We wijzen u erop dat bij het gebruik van diensten van derden de voorwaarden en beleidsregels van die derden van toepassing zijn op het gebruik van die diensten.
Uw rechten. WhatsApp claimt niet de eigenaar te zijn van de informatie die u opgeeft voor uw WhatsApp-account of via onze Diensten. U moet beschikken over de benodigde rechten voor de informatie die u opgeeft voor uw WhatsApp-account of via onze Diensten en tevens het recht hebben om de in onze Voorwaarden opgenomen rechten en licenties te verlenen.
De rechten van WhatsApp. Wij zijn de eigenaar van alle auteursrechten, handelsmerken, domeinen, logo's, beeldmerken, handelsgeheimen, octrooien en andere intellectuele-eigendomsrechten die samenhangen met onze Diensten. U mag onze auteursrechten, handelsmerken, domeinen, logo's, beeldmerken, handelsgeheimen, octrooien en andere intellectuele-eigendomsrechten niet gebruiken, tenzij u hiervoor onze expliciete toestemming hebt en uitsluitend in overeenstemming met onze Merkrichtlijnen. U mag de handelsmerken www.facebookbrand.com/trademarks van onze gelieerde bedrijven uitsluitend gebruiken met hun toestemming, waaronder zoals toegestaan in gepubliceerde merkrichtlijnen.
Uw licentie aan WhatsApp. Voor de exploitatie en verlening van onze Diensten verleent u aan WhatsApp een wereldwijde, niet-exclusieve, royaltyvrije, sublicentieerbare en overdraagbare licentie voor het gebruik, de reproductie, de distributie, het maken van afgeleide werken van, de vertoning en de uitvoering van de informatie (met inbegrip van de inhoud) die u uploadt, indient, opslaat, verstuurt of ontvangt naar, op of via onze Diensten. De rechten die u verleent in deze licentie zijn voor het beperkte doeleinde van de exploitatie en verlening van onze Diensten (zodat we bijvoorbeeld uw profielfoto en statusbericht kunnen weergeven, uw berichten kunnen doorgeven, uw niet-afgeleverde berichten gedurende maximaal dertig (30) dagen kunnen opslaan op onze servers terwijl we deze proberen af te leveren, en anderszins, zoals beschreven in ons Privacybeleid).
De licentie van WhatsApp aan u. We verlenen u een beperkte, herroepbare, niet-exclusieve en niet-overdraagbare licentie om onze Diensten te gebruiken, onder toepassing van en in overeenstemming met onze Voorwaarden. Deze licentie wordt uitsluitend verleend om u in staat te stellen gebruik te maken van onze Diensten, op de wijze zoals toegestaan in onze Voorwaarden. Er worden geen licenties of rechten impliciet of anderszins verleend, met uitzondering van de uitdrukkelijk aan u verstrekte licenties en rechten.
Raadpleeg ons Beleid intellectueel eigendom om claims met betrekking tot de schending van auteursrechten, handelsmerken of andere intellectuele-eigendomsrechten van derden te rapporteren. We kunnen uw WhatsApp-account beëindigen als u herhaaldelijk de intellectuele-eigendomsrechten van anderen schendt.
U GEBRUIKT ONZE DIENSTEN OP EIGEN RISICO EN ONDER TOEPASSING VAN DE VOLGENDE DISCLAIMERS. WE BIEDEN ONZE DIENSTEN ALS ZODANIG ('AS IS') ZONDER ENIGE EXPLICIETE OF IMPLICIETE GARANTIE, MET INBEGRIP VAN, MAAR NIET BEPERKT TOT, GARANTIES VAN VERKOOPBAARHEID, GESCHIKTHEID VOOR EEN SPECIFIEK DOELEINDE, TITEL, NIET-SCHENDING EN VRIJHEID VAN COMPUTERVIRUSSEN OF ANDERE SCHADELIJKE CODE. WE GARANDEREN NIET DAT DOOR ONS VERSTREKTE INFORMATIE JUIST, VOLLEDIG OF NUTTIG IS, DAT ONZE DIENSTEN OPERATIONEEL, VRIJ VAN FOUTEN OF VEILIG ZULLEN ZIJN OF DAT ONZE DIENSTEN ZONDER STORINGEN, VERTRAGINGEN OF IMPERFECTIES ZULLEN FUNCTIONEREN. WE HEBBEN GEEN CONTROLE OVER EN ZIJN NIET VERANTWOORDELIJK VOOR DE CONTROLE VAN DE MANIER WAAROP OF WANNEER ONZE GEBRUIKERS ONZE DIENSTEN OF DE FUNCTIES, DIENSTEN EN INTERFACES DIE ONZE DIENSTEN BIEDEN, GEBRUIKEN. WE ZIJN NIET VERANTWOORDELIJK VOOR EN NIET VERPLICHT OM DE ACTIES OF INFORMATIE (MET INBEGRIP VAN DE INHOUD) VAN ONZE GEBRUIKERS OF DERDEN TE REGULEREN. U VRIJWAART ONS, ONZE DOCHTERMAATSCHAPPIJEN, GELIEERDE BEDRIJVEN EN DE DIRECTEUREN, FUNCTIONARISSEN, WERKNEMERS, PARTNERS EN VERTEGENWOORDIGERS DAARVAN (GEZAMENLIJK 'DE WHATSAPP-PARTIJEN'), TEGEN VORDERINGEN, KLACHTEN, AANKLACHTEN, CONTROVERSES OF GESCHILLEN (GEZAMENLIJK 'VORDERINGEN') EN SCHADE, ZOWEL BEKEND ALS ONBEKEND, IN VERBAND MET, VOORTVLOEIEND UIT OF OP ANDERE WIJZE VERBONDEN MET EEN VORDERING DIE U HEBT OP EEN DERDE. U DOET AFSTAND VAN RECHTEN WAAR U OP GROND VAN § 1542 VAN HET BURGERLIJK WETBOEK (CIVIL CODE) VAN CALIFORNIË RECHT OP HEBT OF SOORTGELIJKE VAN TOEPASSING ZIJNDE WET- EN REGELGEVING VAN EEN ANDER RECHTSGEBIED, WAARIN IS BEPAALD DAT: EEN ALGEMENE VRIJWARING NIET VAN TOEPASSING IS OP VORDERINGEN DIE DE SCHULDEISER NIET KENT OF VERMOEDT TE BESTAAN TEN GUNSTE VAN HEM/HAAR OP HET MOMENT VAN UITROLLEN VAN DE RELEASE EN DIE, ALS HIJ/ZIJ HIERVAN OP DE HOOGTE WAS GEWEEST, WEZENLIJKE INVLOED ZOUDEN HEBBEN GEHAD OP ZIJN/HAAR VEREFFENING MET DE SCHULDENAAR.
DE WHATSAPP-PARTIJEN ZIJN JEGENS U NIET AANSPRAKELIJK VOOR EVENTUELE WINSTDERVING OF ANDERE GEVOLG-, SPECIALE, PUNITIEVE, INDIRECTE OF INCIDENTELE SCHADE DIE VERBAND HOUDT MET, VOORTVLOEIT UIT OF ANDERSZINS VERBONDEN IS MET ONZE VOORWAARDEN, ONS OF ONZE DIENSTEN, ZELFS NIET ALS DE WHATSAPP-PARTIJEN ZIJN GEÏNFORMEERD OVER DE MOGELIJKHEID VAN DERGELIJKE SCHADE. ONZE TOTALE AANSPRAKELIJKHEID IN VERBAND MET, VOORTVLOEIEND UIT OF ANDERSZINS VERBONDEN MET ONZE VOORWAARDEN, ONS OF ONZE DIENSTEN BEDRAAGT NIET MEER DAN HONDERD AMERIKAANSE DOLLAR (USD 100,-) OF HET BEDRAG DAT U ONS IN DE AFGELOPEN TWAALF (12) MAANDEN HEBT BETAALD. DE HIERVOOR GENOEMDE DISCLAIMER VAN BEPAALDE SCHADE EN BEPERKING VAN DE AANSPRAKELIJKHEID IS VAN TOEPASSING VOOR ZOVER MAXIMAAL IS TOEGESTAAN OP GROND VAN DE TOEPASSELIJKE WETGEVING. DE WETGEVING IN BEPAALDE STATEN OF RECHTSGEBIEDEN STAAT MOGELIJK DE UITSLUITING OF BEPERKING VAN BEPAALDE SCHADE NIET TOE, ZODAT SOMMIGE OF ALLE HIERVOOR GENOEMDE UITSLUITINGEN EN BEPERKINGEN MOGELIJK NIET OP U VAN TOEPASSING ZIJN. ONVERMINDERD EVENTUELE ANDERE BEPALINGEN IN ONZE VOORWAARDEN WORDT DE AANSPRAKELIJKHEID VAN DE WHATSAPP-PARTIJEN IN DERGELIJKE GEVALLEN BEPERKT VOOR ZOVER MAXIMAAL IS TOEGESTAAN IN DE TOEPASSELIJKE WETGEVING.
U stemt ermee in de WhatsApp-partijen te verdedigen, schadeloos te stellen en te vrijwaren van of tegen alle vormen van aansprakelijkheid, schade, verliezen en uitgaven (met inbegrip van redelijke juridische vergoedingen en kosten) die verband houden met, voortvloeien uit of anderszins verbonden zijn met het volgende: a) uw toegang tot of gebruik van onze Diensten, met inbegrip van informatie die is verstrekt in verband daarmee, b) uw schending of vermeende schending van onze Voorwaarden, of c) enige onjuiste verklaring die u hebt gemaakt. Als we dat vragen, verleent u volledige medewerking aan de verdediging tegen of schikking van eventuele vorderingen.
Forum en bevoegde rechtbank. Als u een WhatsApp-gebruiker bent in de Verenigde Staten of Canada, is het gedeelte 'Speciale arbitragebepaling voor gebruikers in de Verenigde Staten of Canada' hierna op u van toepassing. Lees ook dat gedeelte nauwkeurig en volledig door. Als het gedeelte 'Speciale arbitragebepaling voor gebruikers in de Verenigde Staten of Canada' niet op u van toepassing is, stemt u ermee in dat u eventuele vorderingen die u op ons hebt in verband met, voortvloeiend uit of anderszins verbonden met onze Voorwaarden, ons, onze Diensten (elk, een 'Geschil', en gezamenlijk, 'Geschillen') exclusief zult oplossen in de Amerikaanse districtsrechtbank voor het noordelijke district van Californië of een staatsrechtbank die zich bevindt in San Mateo County in Californië en u stemt in met de persoonlijke rechtsbevoegdheid van deze rechtbanken ten behoeve van het aanhangig maken van dergelijke Geschillen.
Toepasselijk recht. Op deze Voorwaarden evenals op eventuele Geschillen, in de rechtbank of bij arbitrage, die zich kunnen voordoen tussen WhatsApp en u zijn de wetten van de staat Californië van toepassing, ongeacht het bestaan van bepalingen betreffende conflicterende wetten.
Beschikbaarheid van onze Diensten. Onze Diensten kunnen worden onderbroken, waaronder ten behoeve van onderhoud, reparaties en upgrades, of als gevolg van netwerk- of apparatuurstoringen. We kunnen sommige van of al onze Diensten te allen tijde stopzetten, met inbegrip van bepaalde functies en de ondersteuning voor bepaalde apparaten en platforms. Gebeurtenissen die buiten onze invloedssfeer liggen, kunnen van invloed zijn op onze Diensten, zoals natuurlijke gebeurtenissen of andere situaties van overmacht.
Beëindiging. We kunnen uw toegang tot of het gebruik van onze Diensten te allen tijde ongeacht de reden wijzigen, opschorten of beëindigen, zoals wanneer u onze Voorwaarden of de intentie daarvan schendt, of wanneer u letsel of mogelijke (wettelijke) risico's voor ons, onze gebruikers of anderen veroorzaakt. De volgende bepalingen blijven ook na beëindiging van uw relatie met WhatsApp van toepassing: 'Licenties', 'Disclaimers', 'Beperking van aansprakelijkheid', 'Vrijwaring', 'Geschilbeslechting', 'Beschikbaarheid en beëindiging van onze Diensten', 'Overige' en 'Speciale arbitragebepaling voor gebruikers in de Verenigde Staten of Canada'.
Tenzij in een wederzijds uitgevoerde overeenkomst tussen u en ons anders is vastgelegd, vormen onze Voorwaarden de volledige overeenkomst tussen u en ons met betrekking tot WhatsApp en onze Diensten en vervangen deze eventuele eerdere overeenkomsten.
We kunnen u vragen om in te stemmen met aanvullende voorwaarden voor bepaalde van onze Diensten in de toekomst, die van toepassing zijn wanneer er sprake is van strijdigheid tussen onze Voorwaarden en deze aanvullende voorwaarden.
Onze Diensten zijn niet bestemd voor distributie of gebruik in een land waar deze distributie of dit gebruik in strijd zou zijn met lokale wetgeving of ons zou onderwerpen aan regelgeving in een ander land. We behouden ons het recht voor om onze Diensten in een land te beperken.
U moet voldoen aan alle toepasselijke wetgeving met betrekking tot uitvoerbeheersing en handelssancties van de Verenigde Staten en andere landen ('uitvoerwetgeving'). Het volgende is niet toegestaan: direct of indirect uitvoeren, wederuitvoeren, verstrekken of anderszins overdragen van onze Diensten: a) naar of aan personen, rechtspersonen of landen waarvoor dat in de uitvoerwetgeving is verboden, b) naar of aan personen die zijn opgenomen op een lijst met beperkte partijen van de Verenigde Staten of van een ander land of c) voor andere doeleinden die zijn verboden op grond van de uitvoerwetgeving, waaronder toepassingen in verband met kern-, chemische of biologische wapens of rakettechnologie, zonder de vereiste overheidstoestemming. U gebruikt of downloadt onze Diensten niet als u zich in een land met beperkingen bevindt, als u momenteel bent opgenomen op een lijst met beperkte partijen van de Verenigde Staten of van een ander land of voor doeleinden die zijn verboden op grond van de uitvoerwetgeving, noch verhult u uw locatie door middel van IP-proxy's of andere methoden.
Onze voorwaarden zijn opgesteld in Amerikaans-Engels. Vertaalde versies daarvan worden uitsluitend voor uw gemak verstrekt. Indien een vertaalde versie van onze Voorwaarden tegenstrijdig is met de Engelse versie, is de Engelse versie bindend.
Voor wijzigingen in of het doen van afstand van onze Voorwaarden is onze expliciete toestemming vereist.
We kunnen deze Voorwaarden wijzigen of bijwerken. We stellen u, indien van toepassing, in kennis van wijzigingen in onze Voorwaarden en werken de datum onder 'Laatst gewijzigd op' bovenaan onze Voorwaarden bij. Als u onze Diensten blijft gebruiken, vormt dit de bevestiging dat u instemt met de gewijzigde Voorwaarden. Als u niet instemt met onze gewijzigde Voorwaarden, moet u het gebruik van onze Diensten staken. We verzoeken u onze Voorwaarden van tijd tot tijd te raadplegen.
Al onze rechten en verplichtingen op grond van onze Voorwaarden kunnen vrijelijk door ons worden toegewezen aan onze gelieerde bedrijven of in verband met een overname, aankoop, herstructurering of de verkoop van activa, of door middel van wettelijke werking of anderszins en we kunnen uw informatie overdragen aan onze gelieerde bedrijven, opvolgende rechtspersonen of nieuwe eigenaar.
U draagt geen rechten of verplichtingen op grond van deze Voorwaarden over aan iemand anders zonder voorafgaande schriftelijke toestemming van ons.
Niets in deze Voorwaarden zal ons ervan weerhouden om ons aan de wet te houden.
Tenzij zoals opgenomen in deze Voorwaarden, verlenen deze Voorwaarden geen rechten ten behoeve van derden.
Als we iets uit deze Voorwaarden niet handhaven, doen wij daarmee geen afstand van onze rechten.
Indien een bepaling in deze Voorwaarden onwettig of nietig wordt verklaard of anderszins niet kan worden gehandhaafd, is deze bepaling scheidbaar van onze Voorwaarden en heeft deze geen invloed op de geldigheid en mogelijkheid tot handhaving van de resterende bepalingen, uitgezonderd het bepaalde in het gedeelte 'Speciale arbitragebepaling voor gebruikers in de Verenigde Staten of Canada' — 'Scheidbaarheid' hierna.
We behouden ons alle rechten voor die niet nadrukkelijk door ons aan u zijn verleend. In bepaalde rechtsgebieden hebt u rechten als consument. Onze Voorwaarden hebben niet de intentie de consumentenrechten te beperken waar geen afstand van kan worden gedaan door een contract.
We stellen het altijd op prijs als u feedback of andere suggesties over WhatsApp en onze Diensten geeft, maar houd er wel rekening mee dat we deze informatie kunnen gebruiken zonder enige verplichting om u hiervoor te belonen (net zoals u geen verplichting hebt om deze aan te bieden).
LEES DIT GEDEELTE NAUWKEURIG DOOR, AANGEZIEN HET AANVULLENDE BEPALINGEN BEVAT DIE UITSLUITEND VAN TOEPASSING ZIJN OP ONZE GEBRUIKERS IN DE VERENIGDE STATEN EN CANADA. ALS U EEN WHATSAPP-GEBRUIKER BENT DIE ZICH BEVINDT IN DE VERENIGDE STATEN OF CANADA, DIENT U IN TE STEMMEN MET BINDENDE ARBITRAGE VOOR ALLE GESCHILLEN, UITGEZONDERD GESCHILLEN IN VERBAND MET INTELLECTUEEL EIGENDOM EN UITGEZONDERD GESCHILLEN DIE AANHANGIG KUNNEN WORDEN GEMAAKT IN EEN RECHTBANK VOOR GERINGE VORDERINGEN ('SMALL CLAIMS COURT'). DIT HOUDT IN DAT U AFSTAND DOET VAN UW RECHT OM DERGELIJKE GESCHILLEN TE LATEN BESLECHTEN DOOR EEN RECHTER OF JURY. DIT GEDEELTE BEPERKT TEVENS DE TERMIJN DIE U HEBT VOOR HET STARTEN VAN EEN ARBITRAGE- OF, INDIEN TOELAATBAAR, GERECHTELIJKE PROCEDURE. TOT SLOT DOET U IN DIT GEDEELTE AFSTAND VAN UW RECHT OM UW GESCHIL AANHANGIG TE MAKEN EN TE LATEN BESLECHTEN ALS EEN GROEPSVORDERING, GROEPSARBITRAGE OF EEN VORDERING DOOR VERTEGENWOORDIGERS.
Onder een 'Uitgesloten Geschil' wordt het volgende verstaan: elk Geschil dat verband houdt met de handhaving of schending van uw of onze intellectuele-eigendomsrechten (zoals auteursrechten, handelsmerken, domeinen, logo's, beeldmerken, handelsgeheimen en octrooien). Ter verduidelijking en niettegenstaande het voorgaande vormen Geschillen in verband met, voortvloeiend uit of anderszins verbonden met uw privacy- en publiciteitsrechten geen Uitgesloten Geschillen.
Amerikaanse Federal Arbitration Act. De Amerikaanse Federal Arbitration Act is van toepassing op de interpretatie en handhaving van dit gedeelte 'Speciale arbitragebepaling voor gebruikers in de Verenigde Staten of Canada', met inbegrip van de vraag of een Geschil tussen u en WhatsApp ter arbitrage kan worden voorgelegd.
Overeenkomst tot arbitrage voor WhatsApp-gebruikers die zich bevinden in de Verenigde Staten of Canada. Voor WhatsApp-gebruikers die zich bevinden in de Verenigde Staten of Canada stemmen u en WhatsApp er beiden mee in afstand te doen van het recht op een proces met een rechter of jury voor alle Geschillen, met uitzondering van de Uitgesloten Geschillen. U en WhatsApp stemmen ermee in dat alle Geschillen (uitgezonderd de Uitgesloten Geschillen), waaronder Geschillen in verband met, voortvloeiend uit of anderszins verbonden met uw privacy- en publiciteitsrechten, worden beslecht met behulp van definitieve en bindende arbitrage. U en WhatsApp stemmen ermee in geen Geschil dat op grond van onze Voorwaarden is onderworpen aan arbitrage te combineren met een Geschil dat niet in aanmerking komt voor arbitrage overeenkomstig onze Voorwaarden.
De arbitrage wordt beheerd door de American Arbitration Association (AAA) overeenkomstig haar Commercial Arbitration Rules die op het moment waarop begonnen wordt met de arbitrage van toepassing zijn, met inbegrip van de Optional Rules for Emergency Measures of Protection en de Supplementary Procedures for Consumer-Related Disputes (gezamenlijk 'de AAA-voorschriften'). De arbitrage wordt voorgezeten door één arbiter die wordt geselecteerd overeenkomstig de AAA-voorschriften. De AAA-voorschriften, informatie over het starten van een Geschil en een beschrijving van het arbitrageproces zijn te vinden op www.adr.org. De arbiter besluit of een Geschil kan worden beslecht door middel van arbitrage. De locatie van de arbitrage en de toewijzing van vergoedingen en kosten voor een dergelijke arbitrage worden vastgesteld overeenkomstig de AAA-voorschriften. Niettegenstaande de AAA-voorschriften vergoeden wij u alle administratieve kosten van de AAA in gevallen waarop de Supplementary Procedures for Consumer-Related Disputes van toepassing zijn, tenzij de arbiter bepaalt dat een Geschil is aangebracht om lastig te vallen of wanneer een Geschil kennelijk ongegrond is.
Intrekkingsprocedure. U hebt het recht om uw instemming met arbitrage in te trekken ('opt-out'). Als u dat doet, kunt u noch kunnen wij eisen dat de andere partij deelneemt aan een arbitrageprocedure. U moet ons schriftelijk informeren over deze intrekking binnen dertig (30) dagen na de laatste van de volgende data: i) de datum waarop u onze Voorwaarden voor het eerst hebt geaccepteerd of ii) de datum waarop deze arbitragebepaling op u van toepassing werd. Gebruik het volgende adres om u af te melden:
WhatsApp Inc.
Arbitration Opt-Out
1601 Willow Road
Menlo Park, California 94025
Verenigde Staten
U moet het volgende vermelden: 1) uw naam en woonadres, 2) het mobiele telefoonnummer dat is gekoppeld aan uw account, en 3) een duidelijke verklaring dat u uw toestemming voor de arbitrage overeenkomstig onze Voorwaarden wilt intrekken.
Rechtbank voor geringe vorderingen ('Small Claims Court'). Als alternatief voor arbitrage kunt u, indien dit wordt toegestaan op grond van de regelgeving van uw plaatselijke Small Claims Court, uw Geschil aanhangig maken bij uw lokale Small Claims Court, mits de zaak wordt behandeld op individuele basis en niet op groepsbasis.
Termijn voor het starten van arbitrage. U en wij stemmen ermee in dat u en wij voor elk Geschil (met uitzondering van de Uitgesloten Geschillen) een arbitrageprocedure moeten starten binnen één jaar nadat het Geschil is ontstaan, anders is een dergelijk Geschil niet meer ontvankelijk. Dit houdt in dat als u of wij nalaten een arbitrage te beginnen binnen één jaar nadat het Geschil is ontstaan, de arbitrage wordt afgewezen omdat deze te laat is begonnen.
Geen groepsvorderingen, groepsarbitrages of vorderingen door vertegenwoordigers voor gebruikers die zich bevinden in de Verenigde Staten of Canada. U en wij stemmen er beiden mee in dat u en wij, als u een WhatsApp-gebruiker bent die zich bevindt in de Verenigde Staten of Canada, beiden een Geschil aanhangig kunnen maken jegens elkaar namens uzelf of namens ons, en niet namens een andere persoon of rechtspersoon of groep personen. U en wij stemmen er beiden mee in niet deel te nemen aan een groepsvordering, aan een groepsarbitrage, aan Geschillen die worden aangebracht door een particuliere advocaat-generaal of in vertegenwoordigende capaciteit of aan samengevoegde Geschillen waarbij een andere persoon of rechtspersoon betrokken is in verband met enig Geschil.
Scheidbaarheid. Indien het verbod op groepsvorderingen en andere Geschillen die worden aangebracht namens derden voor een Geschil niet-afdwingbaar wordt bevonden, dan zijn alle bepalingen onder het kopje 'Speciale arbitragebepaling voor gebruikers in de Verenigde Staten of Canada' nietig met betrekking tot dat Geschil.
Plaats waar gerechtelijke procedures aanhangig mogen worden gemaakt. Indien u uw toestemming voor arbitrage intrekt, als uw Geschil een Uitgesloten Geschil is of als de arbitrageovereenkomst als niet-afdwingbaar wordt beschouwd, stemt u ermee in dat de bepalingen onder 'Forum en rechtsgebied' in het gedeelte 'Geschilbeslechting' hiervoor op u van toepassing zijn.
Wijzig de taalinstellingen voor uw WhatsApp-sessie om toegang te krijgen tot onze Voorwaarden in bepaalde andere talen. Als onze Voorwaarden niet beschikbaar zijn in de taal die u hebt geselecteerd, wordt standaard de Engelse versie weergegeven.
Raadpleeg de volgende documenten met aanvullende informatie over uw gebruik van onze Diensten:
Respect voor uw privacy zit ons in het bloed. Sinds we met WhatsApp zijn begonnen, hebben we ernaar gestreefd onze Services op te bouwen met een serie belangrijke privacybeginselen in het achterhoofd.
WhatsApp biedt diensten voor het versturen van berichten, bellen via internet en andere diensten aan gebruikers van over de hele wereld. In ons Privacybeleid worden onze informatiepraktijken (met inbegrip van berichten) toegelicht. We geven bijvoorbeeld aan welke gegevens we verzamelen en welke gevolgen dit voor u heeft. Daarnaast lichten we de stappen toe die we nemen om uw privacy te beschermen, zoals het ontwikkelen van WhatsApp op een manier dat afgeleverde chatberichten niet worden opgeslagen en dat u de controle krijgt over met wie u wilt communiceren via onze Services.
Wanneer we de woorden 'WhatsApp', 'ons', 'onze', 'wij', of 'we' gebruiken, hebben we het over WhatsApp Inc. Dit Privacybeleid ('Privacybeleid') is van toepassing op al onze apps, diensten, functies, software en website (gezamenlijk 'Diensten'), tenzij anders wordt vermeld.
Lees ook de Servicevoorwaarden van WhatsApp ('Voorwaarden'), waarin de voorwaarden worden beschreven die van toepassing zijn op uw gebruik van onze Services.
WhatsApp ontvangt of verzamelt informatie bij de exploitatie en verlening van onze Diensten, waaronder wanneer u onze Diensten installeert, bezoekt of gebruikt.
Uw accountgegevens. U verstrekt ons uw mobiele telefoonnummer om een WhatsApp-account aan te maken. U verstrekt ons regelmatig de telefoonnummers in het adresboek van uw mobiele telefoon, waaronder van zowel de gebruikers van onze Diensten als uw andere contactpersonen. U bevestigt dat u bevoegd bent om deze nummers aan ons te verstrekken. U kunt ook andere informatie toevoegen aan uw account, zoals een profielnaam, profielfoto en een statusbericht.
Uw chatberichten. We bewaren uw chatberichten niet wanneer we op normale wijze onze Services aan u verlenen. Zodra uw chatberichten (met inbegrip van uw chats, foto's, video's, gesproken berichten, bestanden en gedeelde locatiegegevens) zijn afgeleverd, worden ze van onze servers verwijderd. Uw chatberichten worden opgeslagen op uw eigen apparaat. Als een chatbericht niet meteen kan worden afgeleverd (u bent bijvoorbeeld offline), dan kunnen we dit chatbericht gedurende maximaal 30 dagen op onze servers bewaren terwijl we het proberen af te leveren. Als een chatbericht na 30 dagen nog steeds niet is afgeleverd, verwijderen we het. Voor het verbeteren van de prestaties en het efficiënter afleveren van mediaberichten, bijvoorbeeld wanneer veel mensen een populaire foto of video delen, kunnen we deze inhoud voor een langere periode op onze servers bewaren. We voorzien ook end-to-end encryptie voor onze Diensten, wat standaard ingeschakeld is wanneer u en de mensen waarmee u chat een versie van WhatsApp gebruiken die is vrijgegeven na 2 april 2016. End-to-end-encryptie betekent dat uw chatberichten zijn versleuteld zodat wij en derden deze niet kunnen lezen.
Uw connecties. We kunnen om u te helpen organiseren hoe u met anderen communiceert een favorietenlijst met uw contacten voor u maken en u kunt groepen en verzendlijsten maken, hiervan lid worden of hieraan worden toegevoegd en deze groepen en lijsten worden gekoppeld aan uw accountinformatie.
Klantenondersteuning. U kunt ons informatie verstrekken met betrekking tot uw gebruik van onze Services, met inbegrip van kopieën van uw chatberichten, en hoe we contact met u kunnen opnemen om u klantenondersteuning te verlenen. U kunt ons bijvoorbeeld een e-mail sturen met informatie over het functioneren van onze app of andere problemen.
Gebruiks- en logboekgegevens. We verzamelen dienstgerelateerde, diagnostische en prestatiegegevens. Dit omvat informatie over uw activiteiten (zoals hoe u onze Diensten gebruikt, hoe u communiceert met anderen via onze Diensten, en dergelijke), logbestanden en diagnostische, crash-, website- en prestatieregistraties en -rapporten.
Transactiegegevens. Als u betaalt voor onze Diensten, kunnen we gegevens en bevestigingen, zoals betalingsbevestigingen, ontvangen, waaronder van App Stores of andere derden die uw betaling verwerken.
Apparaat- en verbindingsgegevens. We verzamelen apparaatspecifieke informatie wanneer u onze Diensten installeert, bezoekt of gebruikt. Dit omvat informatie zoals het hardwaremodel, besturingssysteeminformatie, browsergegevens, het IP-adres, mobiele netwerkinformatie, waaronder het telefoonnummer, en apparaatidentificatiemiddelen. We verzamelen apparaatlocatiegegevens indien u gebruikmaakt van onze locatiefuncties, zoals wanneer u ervoor kiest uw locatie te delen met uw contacten, nabijgelegen locaties bekijkt of locaties bekijkt die anderen met u hebben gedeeld, en dergelijke, en voor diagnostische doeleinden en probleemoplossing, zoals wanneer u problemen hebt met de locatiefuncties in onze app.
Cookies. We gebruiken cookies voor het laten functioneren en verlenen van onze Services, waaronder om onze op internet gebaseerde Services te verlenen, uw ervaringen te verbeteren, inzicht te krijgen in hoe onze Services worden gebruikt en om onze Services aan te passen. We gebruiken bijvoorbeeld cookies om WhatsApp voor internet en desktop en andere op internet gebaseerde services aan te bieden. We kunnen cookies ook gebruiken om te begrijpen welke veelgestelde vragen het meest worden geraadpleegd en u relevante inhoud te tonen die gerelateerd is aan onze Diensten. Daarnaast kunnen we cookies gebruiken om uw keuzes te onthouden, zoals uw taalvoorkeuren, en anderszins onze Diensten aan u aanpassen. Lees meer over de manier waarop wij cookies gebruiken om onze Diensten te leveren.
Statusinformatie. We verzamelen informatie over wijzigingen in uw onlinestatus en uw statusbericht op onze Diensten, zoals wanneer u online bent (uw 'onlinestatus'), wanneer u voor het laatst onze Diensten hebt gebruikt (de status 'laatst gezien') en wanneer u uw statusbericht voor het laatst hebt bijgewerkt.
Gegevens over u die anderen verstrekken. We ontvangen informatie die andere mensen ons verstrekken en die kan bestaan uit informatie over u. Bijvoorbeeld, wanneer andere gebruikers die u kent onze Diensten gebruiken, kunnen ze ons uw telefoonnummer verstrekken vanuit het adresboek van hun mobiele telefoon (net als u hun nummer aan ons kunt verstrekken) of ze kunnen u een bericht sturen, berichten sturen aan groepen waarvan u lid bent of u bellen.
Externe leveranciers. We werken met externe leveranciers om ons te helpen onze Diensten te exploiteren, verlenen, verbeteren, begrijpen, aan te passen, ondersteunen en aan te prijzen. We werken bijvoorbeeld met bedrijven om onze apps te distribueren, onze infrastructuur, aflevering en andere systemen te verzorgen, informatie over kaarten en locaties te verstrekken, betalingen te verwerken, ons te helpen begrijpen hoe mensen onze Diensten gebruiken en om onze Diensten aan te prijzen. Deze leveranciers kunnen ons onder bepaalde omstandigheden informatie over u verstrekken, App Stores kunnen ons bijvoorbeeld rapporten verstrekken om ons te helpen serviceproblemen te diagnosticeren en op te lossen.
Services van derden. U kunt onze Diensten gebruiken in samenhang met diensten van derden. Als u onze Diensten gebruikt met dergelijke diensten van derden, dan kunnen wij informatie over u van hen ontvangen, bijvoorbeeld als u de knop 'Delen' van WhatsApp gebruikt op een nieuwsdienst om een nieuwsbericht te delen met uw WhatsApp-contacten, -groepen of verzendlijsten via onze Diensten, of als u ervoor kiest onze Diensten te gebruiken via de promotie van onze Diensten door een mobiele provider of een aanbieder van apparaten. We wijzen u erop dat bij het gebruik van diensten van derden de voorwaarden en beleidsregels van die derden van toepassing zijn op het gebruik van die diensten.
We gebruiken alle informatie waarover we beschikken om ons te helpen onze Diensten te exploiteren, verlenen, verbeteren, begrijpen, aan te passen, ondersteunen en aan te prijzen.
Onze Services. We exploiteren en verlenen onze Diensten, waaronder het verlenen van klantenondersteuning, en het verbeteren, repareren en personaliseren van onze Diensten. We begrijpen hoe mensen onze Services gebruiken en analyseren en gebruiken de informatie die we hebben om onze Services te evalueren en verbeteren, nieuwe services en functies te onderzoeken, ontwikkelen en testen en om probleemoplossingsactiviteiten te verrichten. We gebruiken uw gegevens ook om te antwoorden wanneer u contact met ons opneemt. We gebruiken cookies om onze Diensten te exploiteren, verbeteren, begrijpen en aan te passen.
Veiligheid en beveiliging. We verifiëren accounts en activiteiten en bevorderen de veiligheid en beveiliging zowel binnen als buiten onze Diensten, zoals door het onderzoeken van verdachte activiteiten of schendingen van onze Voorwaarden en om te verzekeren dat onze Diensten rechtmatig worden gebruikt.
Communicatie over onze Diensten en de Facebook-bedrijvengroep. We communiceren met u over onze Diensten en functies en om u op de hoogte te stellen van onze voorwaarden en beleidsregels en andere belangrijke updates. We kunnen u marketing aanbieden voor onze Diensten en die van de Facebook-bedrijvengroep, waar we tegenwoordig deel van uitmaken.
Geen banneradvertenties van derden. We staan geen banneradvertenties van derden toe binnen WhatsApp. We hebben geen plannen om dit te introduceren. Als dit ooit verandert zullen we dit beleid bijwerken.
Commerciële berichtgeving. We staan u en derden, zoals bedrijven, toe om met elkaar te communiceren via WhatsApp, zoals via bestellings-, transactie- of afspraakinformatie, over leveringen en verzendingen, product- en service-updates en marketing. U kunt bijvoorbeeld informatie over de status van uw vlucht voor een aankomende reis, een ontvangstbewijs voor een aankoop of een melding van een leveringsdatum ontvangen. Marketingberichten die u kunt ontvangen, kunnen een aanbieding bevatten voor iets waar u wellicht in geïnteresseerd bent. We willen niet dat u een spam-achtige ervaring hebt. Net als voor al uw chatberichten kunt u dergelijke communicatie beheren en zullen we uw keuzes respecteren.
U deelt gegevens wanneer u onze Services gebruikt en via deze Services communiceert, en wij delen uw gegevens om ons te helpen onze Services te laten functioneren, ze te verlenen, verbeteren, er inzicht in te krijgen, ze aan te passen, ondersteunen en aan te prijzen.
Accountgegevens. Uw telefoonnummer, profielnaam en -foto, online status en statusbericht, de 'Laatst gezien'-status en leesbewijzen kunnen beschikbaar zijn voor iedereen die onze Diensten gebruikt, al kunt u uw instellingen van onze Diensten aanpassen om bepaalde informatie die beschikbaar is voor andere gebruikers te beheren.
Uw contacten en anderen. Gebruikers waarmee u communiceert kunnen uw informatie opslaan of opnieuw delen (waaronder uw telefoonnummer of berichten) met anderen, zowel binnen als buiten onze Diensten. U kunt uw instellingen van en de blokkeerfunctie in onze Services gebruiken om de gebruikers van onze Services waarmee u communiceert en bepaalde gegevens die u deelt te beheren.
Externe leveranciers. We werken met externe leveranciers om ons te helpen onze Diensten te exploiteren, verlenen, verbeteren, begrijpen, aan te passen, ondersteunen en aan te prijzen. Wanneer we informatie delen met onze externe leveranciers, verplichten wij hen tot het gebruik van uw informatie overeenkomstig onze instructies en voorwaarden of met expliciete toestemming van u.
Services van derden. Als u diensten van derden gebruikt die geïntegreerd zijn met onze Diensten, kunnen deze externe diensten informatie ontvangen over wat u met hen deelt. Als u bijvoorbeeld gebruikmaakt van een dienst die back-ups maakt van gegevens en die geïntegreerd is met onze Diensten (zoals iCloud of Google Drive), ontvangen zij informatie over wat u met hen deelt. Als u met een service van een derde interageert die is gelinkt via onze Services, kunt u rechtstreeks gegevens verstrekken aan een dergelijke derde. We wijzen u erop dat bij het gebruik van diensten van derden de voorwaarden en beleidsregels van die derden van toepassing zijn op het gebruik van die diensten.
In 2014 zijn we onderdeel geworden van de Facebook-bedrijvengroep. Als onderdeel van de Facebook-bedrijvengroep ontvangt WhatsApp informatie van en deelt WhatsApp informatie met deze groep bedrijven. We kunnen de gegevens die we van hen ontvangen en zij kunnen de gegevens die wij met hen delen gebruiken om te helpen onze Services en hun aanbod te exploiteren, verlenen, verbeteren, aan te passen, ondersteunen en aan te prijzen en om er inzicht in te krijgen. Dit omvat het helpen verbeteren van de infrastructuur- en afleveringssystemen, het begrijpen hoe onze Diensten of die van hun worden gebruikt, het beveiligen van systemen, en het bestrijden van spam, misbruik of schendingen. Facebook en de andere bedrijven in de Facebook-bedrijvengroep kunnen ook informatie van ons gebruiken om uw ervaringen binnen hun diensten te verbeteren zoals door het doen van productsuggesties (bijvoorbeeld voor vrienden of connecties of interessante inhoud) en door het tonen van relevante aanbiedingen en advertenties. Uw WhatsApp-berichten worden echter niet op Facebook gedeeld waar anderen het kunnen zien. Facebook gebruikt uw WhatsApp-berichten uitsluitend ter ondersteuning van de exploitatie en verlening van onze Diensten.
Meer informatie over de Facebook-bedrijvengroep en hun privacypraktijken verkrijgt u door hun privacybeleid te lezen.
Al onze rechten en verplichtingen op grond van ons Privacybeleid kunnen vrijelijk door ons worden overgedragen aan met ons verbonden bedrijven, in verband met een overname, aankoop, herstructurering of de verkoop van activa, van rechtswege of op een andere manier en we kunnen uw gegevens overdragen aan met ons verbonden bedrijven, opvolgende rechtspersonen of een nieuwe eigenaar.
Als u uw gegevens wilt beheren, wijzigen, beperken of verwijderen, kunt u dit doen via de volgende hulpmiddelen:
Instellingen van de Services. U kunt de instellingen van onze Services wijzigen om bepaalde gegevens die beschikbaar zijn voor andere gebruikers te beheren. U kunt uw contacten, groepen en verzendlijsten beheren of onze blokkeerfunctie gebruiken om de gebruikers waarmee u communiceert te beheren.
Wijzigen van uw mobiele telefoonnummer, profielnaam en -foto en statusbericht. U moet uw mobiele telefoonnummer wijzigen met behulp van de functie voor het wijzigen van uw telefoonnummer in de app en uw account overzetten naar uw nieuwe telefoonnummer. U kunt ook uw profielnaam, profielfoto en statusbericht te allen tijde wijzigen.
Uw WhatsApp-account verwijderen. U kunt uw WhatsApp-account te allen tijde verwijderen (ook als u uw toestemming voor het gebruik van uw gegevens wilt intrekken) via de functie voor het verwijderen van uw account in de app. Wanneer u uw WhatsApp-account verwijdert, worden uw niet-afgeleverde chatberichten verwijderd van onze servers evenals andere informatie die we niet langer nodig hebben om onze Services te laten functioneren en verlenen. Denk eraan dat als u onze Services alleen verwijdert van uw apparaat zonder gebruik te maken van de functie voor het verwijderen van uw account in de app, uw gegevens langer bij ons opgeslagen kunnen blijven. We wijzen u erop dat wanneer u uw account verwijdert, dit geen invloed heeft op de gegevens die andere gebruikers over u hebben, zoals hun kopie van de chatberichten die u hen hebt gestuurd.
We kunnen uw informatie verzamelen, gebruiken, bewaren en delen als we te goeder trouw van mening zijn dat dit redelijkerwijs noodzakelijk is om: (a) te reageren op grond van toepasselijke wet- en regelgeving op juridische procedures of op overheidsverzoeken; (b) onze Voorwaarden en andere toepasselijke voorwaarden en beleidsregels te handhaven, waaronder voor het onderzoeken van mogelijke schendingen; (c) fraude en andere illegale activiteiten, beveiligings- of technische problemen op te sporen, te onderzoeken, te voorkomen en aan te pakken; en (d) de rechten, eigendommen en veiligheid van onze gebruikers, WhatsApp, de Facebook-bedrijvengroep of anderen te beschermen.
U stemt in met onze informatiepraktijken, waaronder het verzamelen, gebruiken, verwerken en delen van uw informatie zoals beschreven in dit Privacybeleid, en tevens met het overdragen en verwerken van uw informatie naar of in de Verenigde Staten en andere landen waar wij faciliteiten, dienstenaanbieders of partners hebben of gebruiken, ongeacht waar u onze Diensten gebruikt. U erkent dat de wet- en regelgeving en normen in het land waar uw informatie wordt opgeslagen of verwerkt, kunnen verschillen van die in uw eigen land.
We kunnen ons Privacybeleid wijzigen of bijwerken. We stellen u, indien van toepassing, in kennis van wijzigingen in dit Privacybeleid en werken de datum onder 'Laatst gewijzigd op' bovenaan ons Privacybeleid bij. Als u onze Diensten blijft gebruiken, vormt dit de bevestiging dat u instemt met het gewijzigde Privacybeleid. Als u niet instemt met ons gewijzigde Privacybeleid, moet u het gebruik van onze Diensten staken. We verzoeken u ons Privacybeleid van tijd tot tijd te raadplegen.
Inwoners van Californië kunnen meer te weten komen over hun rechten, inclusief hoe ze hun rechten onder de California Consumer Privacy Act van 2018 kunnen uitoefenen door hier te klikken.
U kunt meer te weten komen over uw rechten, inclusief hoe u uw rechten onder de Braziliaanse Algemene wet inzake gegevensbescherming kunt uitoefenen door hier te klikken.
Als u vragen hebt over ons Privacybeleid, kunt u contact met ons opnemen.
WhatsApp Inc.
Privacy Policy
1601 Willow Road
Menlo Park, California 94025
United States of America
California residents can learn more about their privacy rights in our California Privacy Notice.
This Brazil Privacy Notice (“Notice”) applies to personal data processing activities under Brazilian law and supplements our Privacy Policy.
Under the Brazilian General Data Protection Law (the “LGPD”), you have the right to access, rectify, port, erase, and confirm that we process your data. Learn more about your rights and find out how you can exercise your rights by visiting our iPhone, Android and KaiOS articles in our Help Center. In certain circumstances, you also have the right to object to and to restrict the processing of your personal data. Our Privacy Policy provides information about how we share data with third parties. To request more information about our data practices, click here.
The data controller responsible for your information is WhatsApp Inc. To contact the Data Protection Officer for WhatsApp Inc., click here. You also have the right to petition the Brazilian Data Protection Authority (“DPA”) by contacting the DPA directly.
This Notice takes effect on the LGPD’s effective date.
WhatsApp Inc. ('WhatsApp') is gecertificeerd aangesloten bij het EU-U.S. Privacy Shield Framework en het Swiss-U.S. Privacy Shield Framework bij het Amerikaanse ministerie van Handel met betrekking tot het verzamelen en verwerken van persoonsgegevens door onze zakelijke partners in de Europese Unie en Zwitserland ('Partners') in verband met de producten en diensten die worden beschreven in het gedeelte 'Toepassingsgebied' hierna en in onze certificering. Ga voor meer informatie over het Privacy Shield-programma naar www.privacyshield.gov.
Toepassingsgebied. WhatsApp houdt zich aan de beginselen van het Privacy Shield voor de volgende gebieden van onze activiteiten (gezamenlijk, de 'Partnerservices'):
Toegang. Binnen de reikwijdte van onze bevoegdheid om dit te doen en in overeenstemming met onze toezeggingen op grond van het Privacy Shield, werkt WhatsApp samen met haar Partners om individuele personen toegang te bieden tot persoonsgegevens die henzelf betreffen en die WhatsApp bewaart namens haar Partners. WhatsApp onderneemt ook redelijke stappen om personen rechtstreeks of in samenwerking met de Partners in staat te stellen persoonsgegevens te corrigeren, wijzigen of verwijderen waarvan is gebleken dat deze onjuist zijn.
Derden. WhatsApp kan gegevens overdragen binnen de Facebook-bedrijvengroep en aan derden, waaronder dienstverleners en andere partners. In overeenstemming met de beginselen van het Privacy Shield is WhatsApp aansprakelijk voor de verwerking van persoonsgegevens door deze derden die niet overeenstemt met de beginselen van het Privacy Shield, tenzij WhatsApp niet verantwoordelijk was voor de gebeurtenis die aanleiding gaf tot vermeende schade.
Wettelijke verzoeken. Persoonsgegevens die aan ons worden doorgegeven door onze Partners, moeten mogelijk verstrekt worden op grond van wettelijke verzoeken of andere juridische of overheidsprocedures, zoals dagvaardingen, bevelen of besluiten. Raadpleeg voor meer informatie het gedeelte 'Wetgeving en bescherming' in het Privacybeleid van WhatsApp.
Handhaving. Op de naleving door WhatsApp van de beginselen van het Privacy Shield zijn de onderzoeks- en handhavingsbevoegdheden van de Amerikaanse Federal Trade Commission van toepassing.
Vragen en geschillen. Neem contact met ons op bij vragen of zorgen met betrekking tot onze certificering voor het Privacy Shield. U heeft de optie om eventuele geschillen die u met ons hebt in verband met onze certificering op te lossen via TrustArc, een dienstverlener op het gebied van alternatieve geschilbeslechting die is gevestigd in de Verenigde Staten. U kunt contact opnemen met TrustArc via hun website. In bepaalde omstandigheden voorziet de Privacy Shield-overeenkomst in het recht een beroep te doen op bindende arbitrage voor de oplossing van klachten die niet anderszins kunnen worden opgelost, zoals beschreven in Bijlage I bij de beginselen van het Privacy Shield. Daarnaast treedt de senior coördinator van het Amerikaanse ministerie van Buitenlandse Zaken, als onderdeel van de Privacy Shield-overeenkomst, op als de ombudsman voor de facilitering van de verwerking van verzoeken die verband houden met toegang in het kader van de nationale veiligheid tot gegevens die worden overgedragen vanuit de EU of Zwitserland naar de VS.
Ga voor meer informatie over de privacypraktijken van WhatsApp naar ons Privacybeleid.
WhatsApp Inc. ("WhatsApp, "ons", "onze," "we," of "wij") is toegewijd om het intellectueel eigendomsrecht van mensen en organisaties te beschermen. Onze gebruikers accepteren onze Servicevoorwaarden ("Voorwaarden") wanneer zij onze applicaties, diensten, functies, software of website (gezamenlijk, "Diensten") installeren, openen of gebruiken. Onze Voorwaarden staan niet toe dat onze gebruikers het intellectueel eigendomsrecht, waaronder het auteursrecht en handelsmerken, van anderen schenden wanneer ze gebruikmaken van onze Diensten.
Zoals nader toegelicht in ons Privacybeleid bewaren wij geen berichten van onze gebruikers tijdens het gebruik van onze Diensten. We slaan echter wel de accountinformatie op die de gebruiker wenst toe te voegen als accountinformatie, zoals profielfoto, profielnaam en status.
Om een schending van het auteursrecht te rapporteren en een verzoek tot het verwijderen van deze inhoud die wij opslaan in te dienen(zoals de profielfoto, profielnaam of status in WhatsApp), dien je een e-mail te sturen met een volledige claim voor schending van het auteursrecht naar ip@whatsapp.com (inclusief alle informatie die hieronder staat). Je kunt de volledige claim ook per post naar het volgende adres sturen:
WhatsApp Inc.
Attn: WhatsApp Copyright Agent
1601 Willow Road
Menlo Park, California 94025
Verenigde Staten
ip@whatsapp.com
Voordat je een claim indient, is het verstandig eerst een bericht te sturen naar de WhatsApp-gebruiker waarvan jij vermoedt dat die jouw auteursrecht schendt. Het probleem wordt dan wellicht opgelost zonder dat je contact met WhatsApp hoeft op te nemen.
Om een inbreuk op het handelsmerk te rapporteren en een verzoek tot het verwijderen van de inhoud die wij opslaan in te dienen, dien je een e-mail te sturen met een volledige claim voor een inbreuk op het handelsmerk naar ip@whatsapp.com (inclusief alle informatie die hieronder staat).
Voordat je een claim indient, is het verstandig eerst een bericht te sturen naar de WhatsApp-gebruiker waarvan jij vermoedt dat die inbreuk maakt op jouw handelsmerk. Het probleem wordt dan wellicht opgelost zonder dat je contact met WhatsApp hoeft op te nemen.
Voeg de volgende informatie toe aan je claim omtrent schending van het auteursrecht of inbreuk op het handelsmerk:
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WhatsApp Inc. (“WhatsApp,” “our,” “we,” or “us”) provides messaging, Internet calling, and other services to users around the world, including the ability to send and receive payments (“Payments”) through the use of Facebook Pay and payment services provided by third-party financial institutions (“FIs”). Payments is a “Service” as defined in the WhatsApp Terms of Service (“WhatsApp Terms”) or a “Business Service” as defined in the WhatsApp Business Terms of Service (“WhatsApp Business Terms”). The following WhatsApp Payments Terms of Service (“WhatsApp Payments Terms”) supplement the WhatsApp Terms or WhatsApp Business Terms, as applicable, when you use Payments. By using Payments, you agree to the following WhatsApp Payments Terms. If there is any conflict between these WhatsApp Payments Terms and the WhatsApp Terms or WhatsApp Business Terms, these WhatsApp Payments Terms control solely with respect to your use of Payments and only to the extent of the conflict.
Our Role. We provide a convenient platform for you to set up and use Facebook Pay, a service provided by Facebook Companies to save payment credentials for use on Facebook Company Products, and relay transaction instructions to FIs for processing, as permitted in your jurisdiction. Once you have set up Facebook Pay through WhatsApp, you are able to send and receive money from other WhatsApp users who have set up Facebook Pay on WhatsApp. We are not a licensed financial or payment institution; do not receive, transfer, process, or store any funds in connection with Payments; do not act as service providers to FIs; and are not responsible for service interruptions or failures or acts or omissions of FIs, payments systems, or financial or payment institutions, including the payment, settlement, and clearance of funds. If you have an account at a financial or payment institution, you have a separate relationship with your financial or payment institution regarding that account, and WhatsApp has no affiliation with your financial or payment institution in this respect, even when your financial or payment institution acts as an FI for Payments. You may not be able to register for payments or may experience limited functionality depending on your financial or payment institution. The ability to send or receive messages with a payment is a Service provided by WhatsApp.
Facebook Companies’ Role. When you use Payments, Facebook Companies will save payment credentials for use on Facebook Company Products, relay your transaction instructions to FIs, and provide other services to you according to the Facebook Community Payments Terms and other terms referenced therein. In connection with Payments, Facebook Companies do not receive, transfer, process, or store your funds; instruct your financial or payment institution to obtain pre-approvals or to initiate charges on your payment credentials; or act as service providers to the FIs.
Third-Party Financial Institution’s Role. When you use payments, FIs receive, transfer, process, or store funds; charge your payment credentials; obtain a pre-approval from your financial or payment institution; or provide other services in connection with Payments in accordance with their own terms. The financial services provided by FIs with respect to Payments may be subject to the supervision of financial regulators. Users in Brazil may view the FI terms here.
Age. You must be at least 18 years old to use Payments.
Credits. You may be credited for certain purposes, including rewards and special offers, for which separate terms may apply.
Fees and Taxes. You must pay any applicable fees arising out of your use of Payments, including any overdraft, transaction, or other fees charged by your financial or payment institution or the FI. You must comply with applicable tax laws in connection with your use of Payments, including reporting and payment of any taxes related to transactions made through Payments and any income received from such transactions. WhatsApp is not responsible for withholding, collecting, reporting, or remitting any sales, use, value added, or other tax arising from any transaction you complete using Payments.
WhatsApp cares about your privacy. Our general WhatsApp Privacy Policy or WhatsApp Business Terms apply to your use of Payments, as applicable. Because additional information will be collected and processed when you use Payments, the WhatsApp Payments Privacy Policy also applies to your use of Payments. The WhatsApp Payments Privacy Policy describes additional information practices applicable to Payments, including the types of information we receive and collect from you when you use Payments and how we use and share this information. If you use Payments, you agree to our data practices, including the collection, use, processing, and sharing of your information as described in our WhatsApp Privacy Policy or WhatsApp Business Terms as supplemented by our WhatsApp Payments Privacy Policy.
Payment Amount. You are responsible for the total payment amount for your transactions using Payments. You must ensure that you have sufficient funds before executing any transaction through Payments.
Acceptable Use of Payments. You must access and use Payments only for legal, authorized, and acceptable purposes, according to our WhatsApp Terms or WhatsApp Business Terms, as applicable, and posted policies, including merchant policies as may be published from time to time. We may impose limits on your ability to send or receive payments, including by setting transaction limits. Deleting WhatsApp or a payments credential before a transaction is complete may result in that transaction failing. WhatsApp may also cancel any transaction if we believe the transaction violates the WhatsApp Terms, WhatsApp Business Terms, these WhatsApp Payments Terms, posted policies, Facebook Companies’ terms or privacy policies, or the FI’s terms, or if we believe doing so may prevent financial loss or fraud, or otherwise protect the security of our users and others. When registering for or using Payments, you must provide accurate, current, and complete information and keep your information updated.
Selecting Recipients. Not all WhatsApp users are ready or able to receive payments. If you send a payment to a user who has not registered for Payments, the FI may deduct or place a hold on your payment until the recipient registers and performs all the steps needed to receive funds, or until the payment expires, after which the FI will reverse the payment or release the hold. You may contact the recipient before sending payments to verify whether they are ready to receive payments.
Purchase Transactions. Purchase transactions may not be available in every country and require the seller to have a merchant account. If you use Payments to pay for goods or services, you agree to make legitimate purchases and to be bound by any terms of sale that the seller might offer. We have no responsibility for any goods or services purchased using Payments, including for any claims, damages, losses, liabilities, chargebacks or disputes associated with transactions. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO ANY PRODUCTS OR SERVICES PURCHASED USING PAYMENTS.
Business Use of Payments. You may not use Payments to receive business, commercial, or merchant payments, such as for the sale of goods or services. To receive business, commercial, or merchant payments, you must register for a merchant account, download the WhatsApp Business App, or agree to separate terms of service as a business when this feature is available in your country.
Payment Transactions Are Final. Once you submit a payment through an FI, it is final. WhatsApp does not have control over the payment and therefore cannot provide refunds or facilitate chargebacks. WhatsApp is not liable for errors caused by the FI, your or other financial or payment institutions processing the transactions, or payment networks, or for unauthorized transactions. We assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender.
We may amend or update these WhatsApp Payments Terms. We will provide you notice of amendments to our WhatsApp Payments Terms, when appropriate, and update the “Last Modified” date at the top of our WhatsApp Payments Terms. Your continued use of Payments confirms your acceptance of our WhatsApp Payments Terms, as amended. If you do not agree to our WhatsApp Payments Terms, as amended, you must stop using Payments. Please review our WhatsApp Payments Terms from time to time.
This WhatsApp Payments Privacy Policy helps explain our information practices when you use our Services or Business Services, which include the ability to send and receive payments (“Payments”) through the use of Facebook Company Products and the payment services provided by third-party financial institutions (“FIs”). When we say “WhatsApp”, “our”, “we” or “us”, we’re talking about WhatsApp Inc.
Payments contains links to or integrations with FIs and with Facebook Companies. When you interact with these FIs or Facebook Companies, you may be providing information directly to them, to WhatsApp, or to both. These FIs and Facebook Companies will have their own policies describing the collection, use, and disclosure of information by them. We encourage you to review the policies of these FIs and Facebook Companies.
This WhatsApp Payments Privacy Policy supplements (i) WhatsApp’s general Privacy Policy (“WhatsApp Privacy Policy”), which applies to the use of all our Services, including Payments, and (ii) the data practices set forth in our WhatsApp Business Terms of Service (“WhatsApp Business Terms”), which apply to the use of our Business Services, including Payments. If there is any conflict between this WhatsApp Payments Privacy Policy and our WhatsApp Privacy Policy or the WhatsApp Business Terms, this WhatsApp Payments Privacy Policy will control solely with respect to your use of Payments and only to the extent of the conflict.
Please also see WhatsApp’s general Terms of Service (“WhatsApp Terms”), which describe the terms under which you use our Services and also apply to Payments, as well as our WhatsApp Business Terms, which describe the terms under which you use our Business Services. The WhatsApp Payments Terms of Service (“WhatsApp Payments Terms”) supplement the WhatsApp Terms and WhatsApp Business Terms, govern your use of Payments, and describe Payments in more detail.
Please read all of these documents carefully.
We receive the following additional information related to your use of Payments.
Registration and Setup Information. When you register to use Payments, we require you to provide information about your payment method, security preferences, and other information that identifies you. If you choose to do so, you may set up and use the security features provided by your device’s operating system to authorize a payment. Before allowing you to send funds, you may be asked to demonstrate that you are authorized to use your payment method by providing us a one-time password, deposit information, or other identifying information.
Payment Transaction Information. When you send, receive, or request payments, you provide us with the information and details related to the transaction (including your payment method, payment amount, and security credential such as a PIN). WhatsApp messages sent with payments are delivered once the transaction has processed or when the receiver has reached a transaction limit and are treated as described in our WhatsApp Privacy Policy or WhatsApp Business Terms, as applicable.
Other Users and Businesses. We receive information about you from other users and businesses. For example, when other users or businesses you know use our Services or Business Services, they may provide information about their transactions with you, just as you may provide information to us about your transactions with them. We require each of these users and businesses to have lawful rights to collect, use, and share your information before providing any information to us.
Third-Party Service Providers. We work with service providers to help us operate, provide, improve, understand, customize, support, and market Payments; provide customer support; and keep our system safe and secure. These companies may provide us information about you or your Payments activity; for example, customer support service agents may relay information that you provide while resolving an issue with Payments.
Third-Party Financial Institutions and Facebook Companies. We enable Payments by working with FIs and Facebook Companies to facilitate the movement of funds between the sender and receiver. When you use Payments, these FIs or Facebook Companies share with us information about you or your Payments activity in accordance with applicable law. We may receive information about you or your transactions including information to confirm your registration, the payment sender or receiver’s name, account status and balance sufficiency, transaction reference IDs, risk or fraud alerts. We will process the information we receive from these FIs or Facebook Companies in accordance with this WhatsApp Payments Privacy Policy. Please note that when you use FI services or Facebook Company Products, their own terms and privacy policies will govern your use of their services.
We use all the information we have to operate, provide, improve, understand, customize, support, and market our Services and Business Services, including Payments.
Our Services. We operate, provide, develop, market and improve our Services and Business Services, including determining eligibility for payments, registering you as a user of payments, providing you with Payments and customer support for our Services and Business Services.
Safety and Security. We promote safety and security, combat harmful conduct, maintain the integrity of our Services or Business Services, and assess malfunctions or any performance or security incident. We also review your account activity to determine whether you continue to meet our WhatsApp Terms, WhatsApp Business Terms, and WhatsApp Payments Terms.
Legal Purposes. We may use your information for legal purposes, such as to comply with our legal obligations, enforce our terms and policies, or to address complaints or claims related to conduct that infringes our WhatsApp Terms or WhatsApp Business Terms.
Analytics. We generate statistics and reports regarding your use of Payments in order to provide you with better services.
The use of the information collected in connection with your access to and use of Payments is further described in the WhatsApp Privacy Policy or WhatsApp Business Terms, as applicable.
We share your information to help us operate, provide, improve, understand, customize, support, and market Payments and to detect, prevent, or otherwise address fraud, safety, security, abuse, or other misconduct. Use of your information once it has been shared by WhatsApp is described below.
Payment Senders and Recipients. When you use Payments, the people with whom you send or receive payments may store or reshare information about you or your transactions with others, including other Facebook Companies, on or off our Services or Business Services. When you send or receive payments, we provide information about you and the transaction to the user with whom you transact, including the amount of the transaction and one or more transaction IDs. Additional information about you and the transaction may also be available on third-party websites or services using transaction IDs that we provide as part of a transaction confirmation.
Third-Party Service Providers. WhatsApp works with service providers and shares information with these service providers for the purposes listed above. For example, we share information about you and your transactions, such as the amount and status of a transaction, with third-party service providers who provide customer support on our behalf. When we share information with third-party service providers in this capacity, we require them to use your information on our behalf in accordance with our instructions and terms.
Third-Party Financial Institutions and Facebook Companies. We also relay your registration, setup and transaction information, and certain information from your WhatsApp account (such as account information, consumer support information, usage and log information, device and connection information, and status information, as defined in the WhatsApp Privacy Policy) with FIs and Facebook Companies. For example, we share this information with Facebook Companies for them to store your payment credentials and relay your payment instructions to FIs, which then process your transactions. We also share this information with Facebook Companies and FIs to resolve customer concerns, for safety and security purposes such as detecting and fighting fraud and other misconduct, as well as legal purposes like satisfying our contractual obligations, and complying with our legal responsibilities. The Facebook Companies use the information you and we share with them to provide Payments, comply with applicable law, help prevent fraud and to improve Facebook payments product experiences across the Facebook Companies, in accordance with their own terms and privacy policies. Please see Facebook Payments International Ltd.’s Privacy Policy and Facebook Inc.’s Data Policy. FIs use the information you and we share with them to provide Payments and may also use this information as described in their own terms and privacy policies.
To facilitate Payments, WhatsApp may transfer, store, or process your information with these third parties or Facebook Companies that may be located in your jurisdiction or in other jurisdictions.
You may manage or update your Payments information through your payments settings. For example, you may register additional payment methods, unlink existing payments methods, and change the payment method you would like to use. As applicable, you may also access the personal data about you that WhatsApp holds by using our in-app tools. In addition, where applicable, you may also request that WhatsApp correct, amend or delete personal data that is demonstrated to be inaccurate. For such purpose, please contact us as set out in our WhatsApp Privacy Policy or WhatsApp Business Terms.
We generally retain your Payments information for as long as is needed for the performance of the contract between you and WhatsApp and to comply with our legal obligations. You may request deletion of your Payments information by deleting your WhatsApp account. When you choose to request to delete your Payments information, please note that we may retain some of your Payments information to provide customer service to you or to the people or businesses you have transacted with, or for the legal purposes stated in the WhatsApp Privacy Policy. Please note that information you or we shared with FIs or Facebook Companies will be deleted in accordance with their own policies.
We will notify you as appropriate if we make material changes to this WhatsApp Payments Privacy Policy and will update the Last Modified date at the top of this WhatsApp Payments Privacy Policy accordingly. Your continued use of Payments after the publication in our Website of the revised WhatsApp Payments Privacy Policy shall be understood as an acceptance of the revised WhatsApp Payments Privacy Policy. We also recommend that you periodically visit our site in order to be informed of any changes to this WhatsApp Payments Privacy Policy.
WhatsApp Inc. (“WhatsApp,” “our,” “we,” or “us”) provides messaging, Internet calling, and other services to users around the world, including the ability to send and receive payments through designated payment service providers (“PSPs”) in India (“Payments”) via Unified Payments Interface (“UPI”) developed by the National Payments Corporation of India (“NPCI”). Payments is a “Service” as defined in the WhatsApp Terms of Service (“Terms”), and the following WhatsApp Payments Terms of Service (“Payments Terms”) supplement the Terms and apply to your use of Payments. You agree to the Payments Terms when you use Payments.
Our Role. Payments is a service we provide through, and in coordination with, designated PSPs. We provide a convenient platform that enables you to submit transaction instructions to PSPs for processing via UPI. We are not a licensed financial institution, do not receive, transfer, or store any funds in connection with Payments, and are not responsible for UPI service interruptions or acts or omissions of PSPs or banks including the payment, settlement, and clearance of funds. You have a separate relationship with your bank regarding your bank account, and WhatsApp has no affiliation with your bank in this respect.
PSP’s Role. When you send or receive funds through Payments, a designated PSP receives the instructions and processes the transaction via UPI. By using Payments, you will also need to agree to the PSP’s terms and privacy policy, which will be presented to you when you first use Payments. The PSP’s terms and privacy policy are also available here. These Payments Terms govern the relationship between WhatsApp and you regarding Payments, and the PSP’s terms govern the relationship between the PSP and you.
Eligibility. To use Payments, you must use a phone number with the country code for India and have a bank account with a bank that supports UPI. The phone number you use for our Services must be the same phone number linked to your bank account used for Payments.
Registration and UPI PIN setup. You must be an owner of the bank account you use to send and receive funds through Payments. After you provide information to confirm your mobile banking account, WhatsApp facilitates creation of a UPI ID (virtual payment address) that is associated with your WhatsApp account. Since your transaction instructions are processed via UPI, you must have a UPI PIN to send payments. We will ask you to create a UPI PIN to send payments if you do not already have one for your bank account.
Age. You must be at least 18 years old to use Payments.
Credits. We may credit your bank account for purposes including rewards and special offers. Our affiliate WhatsApp Application Services Private Limited provides such credits on our behalf.
Fees and Taxes. You must pay any applicable fees arising out of your use of Payments, including any overdraft, transaction, or other fees charged by your bank, PSPs, or WhatsApp. You must comply with applicable tax laws in connection with your use of Payments, including reporting and payment of any taxes related to transactions made through Payments and any income received from such transactions. WhatsApp is not responsible for withholding, collecting, reporting, or remitting any sales, use, value added, or other tax arising from any transaction you complete using Payments.
WhatsApp cares about your privacy. Our Privacy Policy applies to your use of Payments. Because additional information will be collected and processed when you use Payments, the WhatsApp Payments Privacy Policy also applies to your use of Payments. The WhatsApp Payments Privacy Policy describes additional information practices applicable to Payments, including the types of information we receive and collect from you when you use Payments and how we use and share this information. If you use Payments, you agree to our data practices, including the collection, use, processing, and sharing of your information as described in our Privacy Policy and our Payments Privacy Policy.
Payment Amount. You are responsible for the total payment amount. You must ensure that you have sufficient funds in your bank account before executing any transaction through Payments. Your payment will not be sent if the PSP or your bank determines that your bank account lacks sufficient funds to cover the entire transaction amount.
Acceptable Use of Payments. You must access and use Payments only for legal, authorized, and acceptable purposes, according to our Terms and posted policies including merchant policies as may be published from time to time. A PSP or WhatsApp may impose limits on your ability to send or receive payments, including transaction limits. A PSP or WhatsApp may also cancel any transaction if we believe the transaction violates the Terms, these Payments Terms, posted policies, or the PSP’s terms.
Purchase Transactions. If you use Payments to pay for goods or services, you agree to make legitimate purchases and to be bound by any terms of the sale. We have no responsibility for any goods or services purchased using Payments, including for any claims, damages, losses, liabilities, chargebacks or disputes associated with transactions. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO ANY PRODUCTS OR SERVICES PURCHASED USING PAYMENTS.
Payments Transactions Are Final. Once you submit a payment, it is final. WhatsApp does not provide refunds or facilitate chargebacks. WhatsApp is not liable for unauthorized transactions. We assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender.
Business Use of Payments. If you are a business and use our Services, you must comply with all applicable laws associated with your use of our Services, including Payments. You must clearly disclose any applicable terms and fees to your customers and promptly fulfill any goods or services you sell using Payments in accordance with any sale terms and applicable laws. WhatsApp is not a party to the transaction.
If there is any conflict between these Payments Terms and the Terms, these Payments Terms control solely with respect to your use of Payments and only to the extent of the conflict.
We may amend or update these Payments Terms. We will provide you notice of amendments to our Payments Terms, as appropriate, and update the “Last Modified” date at the top of our Payments Terms. Your continued use of Payments confirms your acceptance of our Payments Terms, as amended. If you do not agree to our Payments Terms, as amended, you must stop using Payments. Please review our Payments Terms from time to time.
What is NPCI?
NPCI is an authorized payment system operator by RBI. NPCI owns and operates the UPI payment system.
What is a PSP bank?
PSP is the banking company authorized to act as a Payment Service Provider (PSP) under the UPI framework. PSP engages the TPAP to provide UPI services to the end-user customers.
What are TPAPs?
Third Party Application Provider (TPAP) is the entity that provides the UPI compliant app to the end-user customers to facilitate UPI based payment transactions.
What is a customer’s bank?
The bank where the end-user customer maintains his/her account and has linked the account for the purpose of debiting/crediting the payment transactions made through UPI.
Who is an end-user customer?
The end-user customer is the individual who uses UPI payment facility to send and receive payments.
UPI Participants’ Roles and Responsibilities. You can find more information about the roles and responsibilities of UPI participants here.
We hereby confirm that:
We, WhatsApp, are a TPAP authorized by NPCI to facilitate payments through ICICI Bank. We are a service provider and we participate in UPI through PSP bank.
We are bound by the tripartite agreement entered with the sponsor PSP, ICICI Bank, and NPCI. We are responsible for facilitating grievances / complaints resolution of the customers on-boarded on our UPI application.
We shall be the first point of contact for all UPI related grievances/complaints for customers on-boarded by us. In case the complaint/grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where you maintain the account) and NPCI in the same order. After exercising these options, you can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.
You can learn more about the dispute redressal mechanism here.
The WhatsApp Privacy Policy helps explain our information practices. Our Services may include enabling you to send and receive payments (“Payments”), a service we provide through, and in coordination with, designated payment service provider (“PSP”) banks.
This Payments Privacy Policy helps explain our information practices when you use Payments. We use all the information we have to operate, provide, improve, understand, customize, support, and market our Services. PSPs may also collect, use, and share information as set forth in their privacy policies, in conjunction with helping to provide Payments to you.
This Payments Privacy Policy supplements our Privacy Policy, which applies to the use of our Services, including Payments. Please also see WhatsApp’s Terms of Service (“Terms”), which describe the terms under which you use our Services including Payments, and the WhatsApp Payments Terms of Service (“Payments Terms”), which supplement the Terms, govern your use of Payments, and describe Payments in more detail. Please read all of these documents carefully.
In addition to what is described in our Privacy Policy, we receive information when we provide Payments.
We use all the information we have to operate, provide, improve, understand, customize, support, and market our Services. This includes using the information to provide Payments and customer support, to protect you and others using our Services from fraud, abuse, or other misconduct, and to review your account activity to determine whether you continue to meet our Terms and Payments Terms. WhatsApp works with the other Facebook Companies to provide Payments, including to send payment instructions to PSPs.
In addition to what is described in our Privacy Policy, you share your information when you use Payments, and we share your information to help us operate, provide, improve, understand, customize, support, and market Payments.
Payment Senders And Recipients. You and people with whom you send or receive payments may store or reshare your BHIM UPI ID, name, or transaction information with others on or off our Services.
Service Providers. In conformance with our relationship with PSPs, WhatsApp works with service providers including Facebook. To send payment instructions to PSPs; maintain your transaction history; provide customer support; improve, understand, customize, support, and market Payments; and keep our Services safe and secure, including to detect, prevent, or otherwise address fraud, safety, security, abuse, or other misconduct, we share information we collect under this Payments Privacy Policy with service providers including Facebook. Facebook will have no access to encrypted BHIM UPI transaction information in clear format. When we share information with service providers, we require them to use your information on our behalf in accordance with our instructions and terms.
PSP Banks and NPCI. We share information with PSPs and NPCI to help us operate Payments. The PSP and NPCI receive transaction information such as payment amount and BHIM UPI IDs, so they can facilitate the movement of funds between the sender’s and receiver’s bank accounts. Please note that when you use PSP and NPCI services, their own terms and privacy policies will govern your use of those services.
If you would like to manage, change, limit, or delete your Payments information, we allow you to do that through your payment settings or by deleting your WhatsApp account. With your payment settings, you may register additional bank account(s), deregister existing bank account(s) from your BHIM UPI ID, change the PSP bank, and clear your transaction history. When you delete your WhatsApp account, your bank account will be deregistered from your BHIM UPI ID automatically.
We will notify you before we make changes to this Payments Privacy Policy and give you the opportunity to review the revised Payments Privacy Policy before you choose to continue using Payments.
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:
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:
1.3. "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:
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.
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:
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.
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 ‘Axis Pay’ mobile application by Axis Bank which can be downloaded from Google Play Store or Apple App Store to avail products and services offered by Axis Bank through this mobile application or any other UPI application available on Google Play Store or Apple App Store where Axis Bank has powered/offered the UPI services.
"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 mean and include 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 Axis Pay Mobile Payment Application offered by Axis Bank to facilitate User to send or receive money via UPI platform, through said Mobile Payment Application or any other UPI application available on Google Play Store or Apple App Store where Axis Bank has powered/offered the UPI services.
“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 Mobile Payment 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 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: 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, 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 all the products and services offered by Axis Bank under the said facility on Mobile Payment Application.
“Transaction” shall mean the fund transfer service to send or receive money; offered under the said facility on Mobile Payment 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 Mobile Payment 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, subject to the condition that he downloads the Application, successfully installs it and thereafter authenticates himself with the applicable credentials and sets his UPI PIN.
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 or display banners or any other communication on Axis Pay Mobile Payment Application 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, greetings, banners or any other promotional massages 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.
The User authorizes Axis Bank to do a bureau scrub or extract his credit report from the bureau for offering various products or services.
The User expressly authorizes Axis Bank to carry out all request(s) or transaction(s) for and/or at the request of the User as are available to the User through Mobile Payment Application without the Bank having to verify the authenticity of any request or transaction purporting to have been received from the User through Application.
Axis Bank shall have the option to introduce any new services through this facility at any time in future and the User shall be deemed to have expressly authorized Axis Bank to register the User for such new services.
Liabilities and Responsibilities of the User:
The User shall be responsible for the accuracy of any information provided by the user for availing the facility.
The USER shall be solely responsible for fund transfer through Payment Application to the correct Beneficiary/ virtual address.
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.
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 Application.
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.
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.
The User shall be solely responsible for protecting his Mobile Phone and UPI PIN for the use of the said facility.
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 Application or any fraudulent or erroneous instruction given and any financial charges thus incurred shall be payable by the User only.
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.
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.
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.
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 Mobile Payment Application.
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.
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.
User shall register him for using the Application in such manner and through such modes as may be specified and made available by Axis Bank from time to time for availment and use of the facility.
Axis Bank reserves right to charge the User for the services offered under the said facility.
This facility will be provided by Axis Bank at the request of the User to enable them to send or receive the funds through the Application to the accounts/virtual addresses added in the application based on the instructions received from User.
The User irrevocably and unconditionally authorizes Axis Bank to debit or credit his account/s with the Bank registered for availing the facility.
User agrees and confirms that, for the purpose of availing said facility:
User has to add his existing account maintained with Axis Bank or any other Bank, to the Mobile Payment application.
User has to select the appropriate bank details where his account is maintained, for the purpose of adding his account to the Application. The account details will be fetched by the Axis Bank through the 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. The User has to validate such account details by entering the last six digits of his Debit Card and the expiry date of Debit Card, OTP which will be sent to the User on his registered mobile number. This will be followed by setting up a UPI PIN for the account in the application, to complete the account addition process by the User. All these details will be entered by the User on the NPCI Library that would be fetched in the application from NPCI Library in encrypted form.
After the successful account addition in the Axis Pay 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.
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 application or if third party changes/modifies the credentials in the application due to disclosure of such credentials by the User or misuse the 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 the 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/UPIPIN to any third party/person or any misused thereof in any manner whatsoever including the misuse of the 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.
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.
User shall adhere to the limit set Axis Bank for making any fund transfer under said facility.
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.
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.
The User shall be responsible for maintaining the confidentiality of UPIPIN/OTP/Code/password and for all the consequences which may arise due to use or misuse of such UPIPIN/OTP/Passcode/password.
The User shall be responsible for any and all the fund transferred to beneficiaries at their request or received by using the Application.
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 MPIN/OTP/Passcode/password or any other breach of security regarding the facility, of which he has knowledge.
The User irrevocably and unconditionally authorizes 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.
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.
The User shall not use/access the Application and/or services offered through the same in any manner other than as authorized by Axis Bank. In case the User uses the Application for any purpose which is illegal, improper or which is not authorized under these terms/other specified terms & conditions then Axis Bank has a right to take all reasonable measures in order to prevent such unauthorized access by the User.
The User confirms that, any instructions given by him shall be effected only after validation of authentic UPIPIN/OTP/Passcode/Password used by him for availing such facility.
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.
The User shall while utilizing the facility ensure that:
He has authority to access and avail the services obtained and shall duly comply with the applicable laws and regulations prevailing in India.
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.
He shall be responsible for providing the accurate and authentic information/instructions to Axis Bank for availing such facility.
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.
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:
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.
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.
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.
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.
The technology for enabling the transfer of funds and the other services offered by Axis Bank under the said facility over the Mobile Payment Application 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.
The User shall be entering all his sensitive information including such as account details, debit card details, OTP or UPIPIN and any personal information in NPCI library for authorizing any transaction initiated by the User and the final authorization 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 Application 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.
The User agrees that Axis Bank shall assume no responsibility in respect of:
Transactions carried out under the service in good faith relying on User’s instructions.
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.
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.
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 be 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.
Unauthorized access of any third party to the information/instructions given by user to third party using said facility.
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.
When Axis Bank acted in good faith.
Any loss, damage, liability caused or suffered by User due to disclosure of all information of confidential nature.
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 UPIPIN, Account details, Debit card Number, Expiry date, OTP, etc in encrypted manner.
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.
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.
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.
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.
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 Application. 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 Application.
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:
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;
Any dispute or litigation caused by Users actions or omissions;
Any negligence or violation or alleged violation of any law or rights of a third party
Axis Bank may provide the any services through this Application, directly or through its associates or contracted service providers on its behalf.
Limitations on Transactions:
Following limits on transactions shall be applicable to each User for availing the facility offered through the Mobile Payment Application:
Fund transfer using Axis Bank Account up to Rs.100,000/- per transaction
Fund transfer using other Bank account; this may vary from bank to bank. User may contact the issuing bank to know the limits set for UPI.
Indemnity:
In consideration of Axis bank agreeing to provide the Facility and access to the Application and/or services to the User, the User shall, at his own expense, hereby irrevocably agree, 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 and/or Application, 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 in spite 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 UPIPIN, 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 UPIPIN, 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.