Last modified: December 28, 2020 (archived versions)
We use all the information we have to operate, provide, improve, understand, customize, support, and market our services. PSP banks may also collect, use, and share information, as set forth in their privacy policies, in conjunction with helping to provide Payments to you.
By using Payments, you accept that the following terms and policies apply:
Registration and BHIM UPI PIN Setup Information. When you register to use Payments, you provide your bank's name and confirm the bank account for use with Payments. If you do not have a BHIM UPI PIN already for your bank account, you can set one using your partial debit card number, expiry date, PIN (if required by your bank), and bank-issued one-time password (OTP) to set up a BHIM UPI PIN. We do not retain Customer Payment Sensitive Data (partial debit card number, expiry date, PIN, OTP, or BHIM UPI PIN). WhatsApp India does not have access to the BHIM UPI PIN because it is encrypted by Common Library (CL) software provided by National Payments Corporation of India.
Information About Your Use Of Payments. We collect information when you send, receive, or request a payment. For example, we collect the date, time of the transaction, reference transaction number, and country. When the sender makes a payment to a WhatsApp contact, we collect account and transaction information, including the sender's and receiver's names and BHIM UPI IDs.
Information We Receive From Service Providers, PSP Banks, And NPCI
Service Providers. We work with and receive information from service providers, including WhatsApp Inc. and other Facebook Companies, to help us operate, provide, improve, understand, customize, support, and market Payments; provide customer support; and keep our system safe and secure. For example, we work with companies to assist with customer support, and we receive information from them that you provide over the phone or email.
PSP Banks and NPCI. We enable Payments by working with multiple PSP banks and the National Payments Corporation of India ("NPCI") to facilitate the movement of funds between the sender's and receiver's bank accounts. They provide us information about you, your financial institution and accounts, and your Payments transactions. For example, we may receive information about you or your transactions from a PSP bank, including information to confirm your registration, the payment sender's or receiver's name, account information and status, balance sufficiency, transaction and account identifiers, risk or fraud alerts, and the like. BHIM UPI transaction information is stored in encrypted format. Please note that the PSP bank's or NPCI's 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. This includes using the information to provide Payments and customer support; to protect you and others using Payments from fraud, abuse, or other misconduct; and to review your account activity to determine whether you continue to meet the WhatsApp Terms of Service and WhatsApp India Payments Terms of Service. WhatsApp India works with the other Facebook Companies, including Facebook Inc. ("Facebook") and WhatsApp Inc., to provide Payments, including to send payment instructions to PSP banks. We also use the information to customize, market and improve Payments, including cross-selling, promotions, providing value-added services and other NPCI approved purposes, and in accordance with applicable law.
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 Payments.
PSP Banks and NPCI. We share information with PSP banks and NPCI to help us operate Payments. The PSP banks and NPCI receive account information, including information to authenticate your account; transaction information, including payment amount and BHIM UPI IDs; country; transaction and account identifiers; information to detect, prevent, or otherwise address fraud, safety, security, abuse, or other misconduct; and customer support information. Please note that when you use PSP banks and NPCI services, their own terms and privacy policies will govern your use of those services.
Compliance with Law. Notwithstanding anything to the contrary, WhatsApp India may collect, preserve, use your UPI transaction information and also share with affiliates and respective authorities with due approvals only if so required to comply with applicable laws or regulation (including sanctions compliance).
If you would like to manage, change, limit, or delete your Payments information, we allow you to do that through your Payments settings or by deleting your WhatsApp account. With your Payments 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.