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Last modified: February 5, 2018

WhatsApp Payments

We're beta testing the payments feature for a limited number of users in India. At this time, we don't have any updates for making the feature more widely available.

India Payments Privacy Policy

Last modified: February 5, 2018

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 providers ("PSPs").

This Payments Privacy Policy helps explain our information practices when you use Payments. 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.

Information You Provide

• Registration Information. When you register to use Payments, you provide your bank's name, partial debit card number, and debit card expiration date. You will also be asked to provide your ATM PIN or UPI PIN, or to set up an UPI PIN for payment transactions if you do not already have one. We receive your debit card details and ATM PIN or UPI PIN securely, and we do not retain this information.
• Payment Transaction Information. When you send a payment, you identify the recipient or provide the recipient's virtual payment address ("VPA") and designate the transaction amount. This payment transaction information is handled securely. Messages sent with payments are delivered once the transaction has processed and are treated as described in our Privacy Policy.

Automatically Collected Information

• Information to Enable Payments. We collect information when you send or receive a payment, including the date and time, the sender and receiver's VPA and name, and reference transaction number.

Third-Party Information

• Third-Party Providers and Services. We work with third-party providers and services to help us operate Payments and provide customer support. These providers and services may provide us information about you or your Payments transactions in certain circumstances; for example, we may receive information about you or your transactions from a PSP such as information to confirm your registration, your name, account status, transaction reference IDs, risk or fraud alerts, and the like. Please note that the third-party's terms and privacy policies will govern your use of its services.

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

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 our Services, including Payments.

• Payment Senders and Recipients. You and users with whom you send or receive payments may store or reshare your VPA, name, or transaction information with others on and off our Services.
• Third-Party Providers and Services. We share information with third-party providers and services to help us operate and improve Payments. To send payment instructions to PSPs, maintain your transaction history, provide customer support, 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 third-party service providers including Facebook. To provide Payments to you, we share information with third-party services including PSPs, such as your mobile phone number, registration information, device identifiers, VPAs, the sender's UPI PIN, and payment amount.

If you would like to manage, change, limit, or delete your 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 VPA, and clear your transaction history. When you delete your WhatsApp account, your bank account will be deregistered from your VPA automatically.

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