This document is an electronic record in terms of Information Technology Act, 2000, amendments thereof from time to
time and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various
statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer
system and does not require any physical or digital signatures.
Please read the terms and conditions carefully before registering, accessing or using the PhonePe Services (defined
below). The terms and conditions are legal contract ("Agreement") between You and PhonePe Private Limited
(“PhonePe”) having its registered office at Unit No.001, Ground Floor, Boston House, Suren Road, Off. Andheri-Kurla
Road, Andheri (East) Mumbai – 400 093, India. You agree and acknowledge that you have read the terms and conditions
set forth below. If you do not agree to these terms and conditions or do not wish to be bound by these terms and
conditions, you may not use the Services and/or immediately terminate the Services and/or uninstall the mobile
application.
We may amend the terms and conditions at any time by posting an updated version at PhonePe website(s) and PhonePe
App(s). The updated version of the Terms of Service shall take effect immediately upon posting. It is Your
responsibility to review these Terms of Use periodically for updates / changes. Your continued use of PhonePe App
following the posting of changes will mean that You accept and agree to the revisions including additional Terms or
removal of portions of these Terms, modifications etc. As long as You comply with these Terms of Use, We grant You a
personal, non-exclusive, non-transferable, limited privilege to enter and avail the Services.
USING PHONEPE APP INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ
THE TERMS OF USE CAREFULLY BEFORE PROCEEDING. By impliedly or expressly accepting these Terms of Use, You also
accept and agree to be bound by PhonePe and PhonePe Entity Policies (including but not limited to Privacy Policy)
available on the PhonePe website(s) and PhonePe App(s) as amended from time to time.
“We”, “Us”, “Our” -
shall refer to PhonePe and PhonePe
Entities.
“You”, “Yours”, “Yourself”, “PhonePe
User”
- refers to any non-registered
individual or corporate body, registered
user of PhonePe and PhonePe Entities,
including but not limited to PhonePe
customers or Merchants.
“PhonePe App” - The
mobile application(s), hosted by PhonePe
and PhonePe Entities for providing
PhonePe services to its users, including
merchants and service providers and also
includes any and all Services where it
acts as an Intermediary .
“PhonePe Website” -
Shall refer to
www.phonepe.com
, which is registered by PhonePe and
used as a medium to communicate and
inform users of services provided by
PhonePe and PhonePe Entities, not
limiting to its features, terms and
conditions, Our contact details.
“PhonePe Entities” -
shall mean group, affiliates, associates
and subsidiaries of PhonePe.
‘PhonePe Platform” -
Refers to any platform
owned/subscribed/used by PhonePe Private
Limited or any other PhonePe Entities
not limited to websites, mobile
applications, devices, URLs/links,
notifications, chatbot, or any other
communication medium used by PhonePe
Entities to provide its services to its
Users.
“PhonePe Services” -
shall include all services extended / to
be extended by PhonePe and PhonePe
entity as a group including but not
limited to Pre-Paid Instruments, Gift
cards, Payment Gateway, Recharges and
Bill Payments, Insurance, Mutual Funds,
Gold sale & purchase, switch
interface/ access including others.
“Service Providers” –
Refers to any individual, group of
individuals defined under law whose
services are used by PhonePe or PhonePe
Entities in order to provide the
intended Services to You through PhonePe
Platform.
“Business Partners” –
Shall refer to any individual, group of
individuals defined under law with whom
PhonePe or PhonePe Entities have a
contractual relationship and not limited
to Merchants, Advertisers, Deal
partners, Financial institutions, switch
interface partners
“Participating Platforms / Merchant
Partners”
- Websites and Platforms that accepts
permitted PhonePe Services to make a
payment against products or services
offered by such platforms.
“Terms of use”/”Terms and
Conditions”
- are interchangeably used and shall
have the same meaning.
By accessing PhonePe Service and PhonePe Platforms, You represent that:-
PhonePe is a payment solution which facilitates payments and acts as such by creating, hosting, maintaining and
providing
Services to you via the Internet. PhonePe provides its Services to customers through 'PhonePe' mobile payments
application
(“PhonePe App”), which acts as a container for various payment instruments including but not limited to Wallet.
Debit/Credit
card, Unified Payment Interface (“ UPI”)and External Wallets (hereinafter collectively referred to as
“Services”).
PhonePe provides its Services to businesses by enabling them to accept payments and services from its customers for
the
products and/or services on their platform via PhonePe App.
PhonePe facilitates payments and services in connection with online transactions for products or services concluded
on and
through the PhonePe App and website, or any third party merchant app, website, physical store or any individual both
within and outside the PhonePe network.
By using the Services, you acknowledge and agree that PhonePe is not a bank and the Services should in no way be
construed
as the provision of banking services.
PhonePe and PhonePe Entities provide services via PhonePe Platform. You further agree and acknowledge the terms of use of PhonePe Services provided on PhonePe Platform.
You further agree to PhonePe
Privacy Policy
as applicable for PhonePe and PhonePe
Entities.
In order to avail PhonePe Services, you
need a mobile, internet or any other
supported device that meets the
compatibility requirements of accessing
PhonePe app and PhonePe website, which
may change from time to time. PhonePe
may further release updates to its
application and You are required to
update the PhonePe app as and when
available for you, in order to continue
availing PhonePe Services.
You agree that your mobile device,
mobile service provider or any other
services that you may avail from anybody
to access PhonePe Platform, may incur
charges and you are solely responsible
for such charges, terms of use, fees as
per your agreement with the third party.
You understand that in order to provide PhonePe Services via the PhonePe Platform, PhonePe incurs various costs (including, but not limited to, cost with respect to operation and maintenance of infrastructure, facilitation of transaction(s)/payments via various modes), You thereby agree that PhonePe may charge You a fee(s) (such as platform fee, convenience fee) which will be displayed upfront to you and which shall be over and above the value/amount of the respective transaction/bill payment being made by You.
In order to use the full spectrum of PhonePe Services, You need to register on the PhonePe App and provide Us with
accurate and complete information. You are also required to keep your accounts, KYC details and contact information
complete and updated at all times.
Once you sign-up on PhonePe, you are entitled to a Phone Account. You can also register with PhonePe from any third
party merchant platform subject to certain conditions and limitations available on PhonePe website & application.
Once registered with PhonePe, certain services may ask you for additional information in order or avail such service
and may involve creation of sub-accounts for availing such services.
The device on which You download PhonePe App and use during registration, shall become Your registered device and
device details shall be stored by us. The moment You log into your PhonePe account from a different device using the
PhonePe app, You will be asked to allow PhonePe to send an SMS from the new device, after which the new device
becomes the registered device. You will not be able to access your PhonePe account using your previous device until
you re-login and re-authorize yourself on that device.
In order to access PhonePe Services, you are required to provide information about yourself as part of the signup process, or as part of your ability to use services provided by Us. You agree that any information you provide will always be accurate, correct, and up to date and some services may require you to share additional information which might include your personal information, personal sensitive information. You further agree that PhonePe (including its Group Companies/service providers/business partners), in relation to providing services to You, may collect/share Your Personal Information from/with third parties including but not limited to vehicle-related information". Your information management shall be as per PhonePe Privacy Policy .
You shall promptly inform PhonePe of any unauthorized usage of your PhonePe Wallet or loss of mobile device and any other circumstances which may lead to unauthorized usage of your PhonePe Account. The responsibility of any transaction prior to intimation, will solely be on the registered User;
You understand that while availing services offered by Merchants and your payment to merchants using any of PhonePe Services (Prepaid PhonePe Wallets, eGVs, Unified Payment Interface, Payment Gateway), you understand that we are not a party to the contract between you and the Merchant and act only as an Intermediary ( IT Act 2000). PhonePe does not endorse any advertiser or Merchant linked to its website or app. Furthermore, PhonePe is under no obligation to monitor the Merchant's service used by you; the Merchant alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant must be directly resolved by you with the Merchant. It is clarified that PhonePe shall not be responsible or liable for any deficiency in goods and/or services purchased using PhonePe Wallet balance. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.
You agree that in case any amount is transferred erroneously by You to any Merchant, Participating Platforms or any other person, PhonePe shall not be liable to refund such amount to You under any circumstances.
You further agree that Any web-link on the website to a third-party site is not an endorsement of that web-link. By using or browsing any such other web-link, you shall be subject to the terms and conditions in each such web-link.
You agree that if You provide any information that is incorrect, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is incorrect, inaccurate, not current or incomplete, or not in accordance with the this Terms of Use, We shall have the right to indefinitely suspend or terminate or block access PhonePe Platform and/or take necessary steps in accordance with applicable Law without any further notice.
You are responsible for maintaining the confidentiality of any login information and secure access credentials associated with your PhonePe account. Accordingly, you are responsible for all activities that occur under your account/is using your secure credentials and PhonePe shall not be liable for any such change or action performed by using your secure credentials on PhonePe Platform.
Attempting to access PhonePe Platform using any other means apart from ones provided by Us is strictly prohibited and shall be deemed unauthorized access, whether attempted or accessed through any automated, unethical or unconventional means. Further you should not directly or indirectly engage in any activity using device, software or any routine process that disrupts or interferes with our ability to service you or any other user(s) on PhonePe Platform, including the servers and/or networks to which our resources are located or connected. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by You, as explained above, and may incur criminal or civil liability.
You shall not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual or digital process, to access, acquire, copy or monitor any portion of the PhonePe Platform or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the PhonePe Platform or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the PhonePe Platform.
You shall not probe, scan or test the vulnerability of the PhonePe Platform or any network connected to the Us, You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to PhonePe Platform, or any other customer, including any account on the PhonePe Platform not owned by You, or exploit the PhonePe Platform or any PhonePe Service or information made available or offered by or through the PhonePe Platform, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the PhonePe Platform.
By registering and signing into PhonePe Account, We create an username and secure access credentials for You to
access PhonePe services on PhonePe Platform and other participating platforms. For convenience, PhonePe creates
Single Sign On Service (P-SSO), which helps you access PhonePe Services available on PhonePe Platform and other
participating platforms.
You understand that P-SSO will be used to register and access PhonePe Services and the credentials you share as part
of the registration process would be owned and managed by PhonePe and will be shared with PhonePe Entities upon Your
request or simply by accessing any PhonePe Services provided by them.
P-SSO, with your authorization can be used to access or register on the switch interface with “Switch Merchants”,
However, your secure credentials would not be shared with any “Switch Merchants”. You can use your P-SSO in order to
access your PhonePe Account or pay using permissible PhonePe Services on participating platforms without logging
into your PhonePe App.
You further agree that PhonePe shall share some limited information provided by you except your secure access
credentials to participating platforms as necessary for P-SSO login at participating platforms.
You shall not share the P-SSO credentials with any third party website, portal, person over any communication medium
and you understand that your PhonePe account can be misused due to unauthorized disclosure of P-SSO.
You hereby agree and acknowledge that in the event of non- compliance of the Terms of Use for usage and access to
Single-Sign-On Services, PhonePe has the right to terminate Your access or access usage limits on Phone account and
services without further notice.
PhonePe and PhonePe Entities, may provide third party services via PhonePe Platform. You understand that We do not own those services and you may need to accept their respective terms and conditions, ane may require to share additional information in order to avail such products/services provided by third parties on PhonePe Platform PhonePe does not hold any Liability on the information collected from You by third party website or application and We cannot indemnify You for any third party actions.
PhonePe or PhonePe Entities may invite you to participate in any offer from time to time. You agree that
participating in such an offer is subject to your agreement to the respective offer terms and conditions. You also
understand that the offers might be provided by third parties on PhonePe Platforms and you may require to agree to
respective terms and conditions of third parties. You further agree that offers provided to any user may vary from
user to user.
PhonePe reserves the right to disqualify You from any offer in case you do not meet the eligibility criteria for
such an offer or any other reasons thereof including but not limited to misuse of offer, misrepresentation, fraud or
suspicious transactions/activities, including but not limited to PMLA directives or any at our sole discretion
without further notice.
PhonePe and PhonePe entities may communicate with you on the contact information that you may have provided to
Us during the course of your engagement, including but not limited to signup, transacting or availing any
third party products or services on PhonePe Platform.
We will send you communication alerts via emails or SMS or push notifications or via other progressive technology.
You also agree that there can be disruption in communications due to factors that are not under Our control,
including but not limited to Your Phone being switched off, incorrect email address, network interruptions. You
agree not to hold PhonePe liable for non-delivery for any alert or any loss suffered by you due to delay, distortion
or failure of communication.
You further acknowledge that you are responsible for the contact details shared with Us and shall update us
on any change on your contact details. You authorize Us to contact you and communicate with you for any
PhonePe Service or Offer(s). We may use third party service providers to send alerts or communicate with you.
You authorize PhonePe and PhonePe Entities to override the DND settings to reach out to you over calls, SMS, emails
and any other mode of communication
Intellectual Property Rights for the purpose of this Terms of Use shall always mean and include copyrights whether
registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks,
collective marks, associate marks and the right to register them, designs both industrial and layout, geographical
indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged
rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights,
circulating rights, protected rights, joint rights, reciprocating rights, infringement rights. All those
Intellectual Property rights arising as a result of domain names, internet or any other right available under
applicable law shall vest in the domain of PhonePe or PhonePe entities as the owner of such domain name. The Parties
hereto agree and confirm that no part of any Intellectual Property rights mentioned hereinabove is transferred in
the name of User and any intellectual property rights arising as a result of these presents shall also be in the
absolute ownership, possession and Our control or control of its licensors, as the case may be.
All material on this PhonePe website and mobile application, including images, illustrations, audio clips, and video
clips, are protected by copyrights, trademarks, and other intellectual property rights of PhonePe, PhonePe Entities
or Business Partners. Material on Website is solely for Your personal, non-commercial use. You must not copy,
reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other
electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the
prior written consent of the owner, modification of the materials, use of the materials on any other platform or
networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a
violation of the copyrights, trademarks and other proprietary rights, and is prohibited.
You understand and agree that PhonePe and PhonePe Entities reserve the right to use the services of themselves to provide any of the mentioned PhonePe Services to you within PhonePe Platforms.
You agree that PhonePe at its sole discretion may terminate your contract without prior notice and restrict your access to PhonePe application if We determine that You have violated the terms of use and You consent that in case PhonePe suffers losses, not limited to monetary losses, due to Your actions, We can take injunctive relief or any other legal action as deemed necessary within the said circumstances and PhonePe is not liable for any loss to You due to termination.
Financial and non-financial transactions performed by You on PhonePe Platform is always processed by You or under
Your exclusive authorization.
In no event will PhonePe be liable for any indirect, consequential, incidental, special or punitive damages,
including without limitation damages for loss of profits or revenues, business interruption, loss of business
opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise,
arising from the use of or inability to use the Services, however caused and whether arising in contract, tort,
negligence, warranty or otherwise, exceed the amount paid by You for using the Services giving rise to the cause of
action or Rupees One Hundred (Rs. 100) whichever is less.
You shall indemnify and hold harmless PhonePe, PhonePe Entities, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.
A Force Majeure Event shall mean any event that is beyond the reasonable control of the PhonePe and shall include but not limited to war, riots, fire, flood, acts of God, explosion, strikes, lockouts, slowdowns, prolonged shortage of energy supplies, Pandemic, computer hacking, unauthorized access to computer data and storage devices, computer crashes ,acts of state, governmental, legal or regulatory actions prohibiting or impeding PhonePe Entities from performing its respective obligations under the contract.
This Agreement and the rights and obligations thereunder and the relations of the parties and all matters arising
under or in connection with this Terms of Use, including the construction, validity, performance or termination
thereunder, shall be governed by and construed in accordance with the laws of the Republic of India. Subject to and
without prejudice to the amicable settlement, the courts in Bengaluru, Karnataka shall have exclusive jurisdiction
to try and adjudicate all matters arising in connection with your use of the PhonePe Services /PA or other matters
covered herein.
Disputes or differences or concerns if any should be raised within 30 days of happening or non-happening of an event
related to PhonePe Services, except in case of unauthorised transactions on Your PhonePe Wallet/eGV, which shall be
reported by You as soon as You identify the issue and investigation for such disputes is subject to terms of use of
PhonePe PPI (“PhonePe Wallet”/”eGV”)
As part of this continual innovation and improvement, we sometimes may add or remove features and functionalities, increase, or decrease limits to our PhonePe Services, start offering new services or stop offering old ones on PhonePe Platforms. Such offering can also be due to discontinuation of any service or offering on PhonePe Platform by third party service providers or business partners.
We may record or monitor Our conventions with You for records and monitoring quality of our conversations.
Any content downloaded or otherwise obtained through the use of our Platform is done at your own discretion and risk, and We cannot confirm that such documents or contents are error or virus free and You understand and acknowledge that you are solely responsible for any damage to your devices, for any loss of data that may result from the download of such contents.
PhonePe and third-party partners make no warranty, express or implied regarding the quality of Services including but not limited to:
Except as expressly provided herein and to the full extent permitted by law, the PhonePe Services are provided "as is", "as available" and "with all faults". All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded. It is Your responsibility to evaluate the accuracy, completeness and usefulness of the PhonePe Services and other information provided by PhonePe or generally available. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement.
If you have a dispute with other parties, you release PhonePe (and our affiliates and officers, directors, agents, and employees thereof) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.