NEWSLETTER – SUBSCRIPTION TERMS AND CONDITIONS

This document is an electronic record in terms of the Information Technology Act, 2000 (“Act”), amendments thereof from time to time, rules thereunder as applicable and amended provisions pertaining to electronic records in various statutes as amended by the Act. This electronic record is generated by a computer system and does not require physical or digital signatures.

Please read these terms and conditions (“Terms”) carefully before subscribing and accessing the Newsletter (defined below). These Terms govern Your access and/or subscription to, the Newsletter and constitute a legally binding agreement between You and PhonePe Private Limited, having its registered office at Office-2, Floor 5, Wing A, Block A, Salarpuria Softzone, Service Road, Green Glen Layout, Bellandur, Bengaluru, Karnataka – 560103, India.

All references to ‘PhonePe’ under these Terms shall be deemed to mean and include its affiliates, associates, subsidiaries, group companies, their respective officers, directors, employees, representatives, and agents. You agree and acknowledge that You have read these Terms and if You do not agree to or wish to be bound by these Terms, You shall not access and/or subscribe to the Newsletter in any manner whatsoever. You also understand that additionally all other website policies, general, or product specific terms and conditions, available on PhonePe Platform (defined below) and amended from time to time, shall be applicable to You, based on Your usage of/access to PhonePe Platform. We may amend these Terms at any time by posting an updated version on PhonePe website(s), PhonePe mobile application(s) and any other devices/properties which are owned/hosted/operated/powered by PhonePe (collectively referred to as “PhonePe Platform”). The updated versions of these Terms shall take effect immediately upon being posted. It is Your responsibility to review these Terms periodically for such updates/changes and Your continued usage of PhonePe Platform following the posting of such updates/changes shall be considered as Your acceptance of all such updates/changes. Any terms and conditions proposed by You which are in addition to or which conflict with these Terms are expressly rejected by PhonePe and shall be of no force or effect. Upon Your compliance with these Terms, We grant You a personal, non-exclusive, non-transferable, limited privilege to subscribe to and access the Newsletter.

1. Definition
   •  “Newsletter” shall mean a written report and analysis of the news, issued periodically, that presents information to people with a specific interest often providing forecasts, typically directed at a special audience and distributed to subscribers.
   • “We”, “Us”, “Our” shall mean PhonePe.
   • “You”, “Your(s)” shall mean a user/customer of PhonePe.

2. Eligibility
   • By accessing/using and/or subscribing to the Newsletter, You represent, undertake, and warrant that:
     • You are at least 18 years of age and are capable of entering into legally binding agreements.
     • You are at least 18 years of age and are capable of entering into legally binding agreements.
     • At all times, You shall abide by these Terms, all other website policies, general/product specific terms and conditions, as available on PhonePe Platform and amended from time to time.
     • You are not barred or legally prohibited from accessing PhonePe in any manner whatsoever.
     • You are not impersonating any person/entity.
   • PhonePe, in the event of any incorrect representation of the above-mentioned conditions, reserves the right to immediately terminate Your account on PhonePe Platform and initiate any other step it deems necessary.
3. Subscription
   To subscribe to the Newsletter, You shall be required to submit Your email address. Consequently, You will receive a message with a link on the submitted email address wherein You will be required to click and confirm Your willingness to subscribe. The information sought at the time of subscription may also include Your username, name, age, place of residence and phone number. It is clarified that there are no fees or other charges in relation to Your subscription.

4. Specific Provisions for Newsletter
   In relation to the Newsletter, You hereby understand and agree that:
   • By subscribing to Our Newsletter, You agree to receive email from Us. The aim of Our Newsletter is to keep You updated about the latest developments, news articles, business events, opinions, data statistics and trending conversations. The subscription to Our Newsletter is purely optional at Your end. The frequency of the Newsletter shall be at Our sole discretion. We reserve the sole right to modify or discontinue the Newsletter and/or suspend or cancel Your subscription at any time, with or without notice.
   • The Newsletter is provided for Your information purposes only and is not comprehensive or exhaustive in nature. While We, at all times and to the best of Our ability, attempt to display up to date and relevant information in the Newsletter, We do not guarantee the accuracy, currency, or completeness of the information in the Newsletter and the views reflected therein are subject to change at any time without notice. Nothing in the Newsletter, including the opinions therein, shall constitute investment advice, as indicative of market performance data or any recommendation that any security, portfolio of securities, investment products or investment strategy is suitable for any specific person. Further, the Newsletter shall not be construed as an offer or a solicitation to sell, buy, give, take, issue, allot or transfer, or as the giving of any advice in respect of shares, stocks, bonds, notes, interests, unit trusts, mutual funds or other securities, investments, loans, advances, credits, or deposits in any jurisdiction. You are advised to seek professional advice at all times and obtain independent verification of the contents in the Newsletter before making any decision. Use of information contained in the Newsletter is at Your own risk and We are not responsible for any adverse consequences arising out of such use. The material provided in the Newsletter has not been prepared by taking into account the particular objectives, situations or needs of any individual user. 
   • You shall not (whether directly or through the use of any software program) create a database in electronic or structured manual form by regularly or systematically downloading and storing all or any part of the pages from the Newsletter. No part of the Newsletter may be reproduced or transmitted to or stored in any other website, nor may any of its pages or part thereof be disseminated in any electronic or non-electronic form, nor included in any public or private electronic retrieval system without prior written permission of PhonePe. You further agree not to display, post, frame, or scrape the contents of the Newsletter for use on any other website, mobile application, or blog. The framing or scraping of or in-line linking to the Newsletter or contents thereof and/or the use of web crawler, spidering or other automated means to access, copy, index, process and/or store any content made available on or through the Newsletter is prohibited.
   • The content in the Newsletter is both the independent ideation as well as a result of compilation of information available in the public domain or supplied to Us by third parties. Except for Your personal, lawful, and non-commercial usage, You shall not: (i) copy, reproduce, modify, or transmit such contents without the prior written consent of PhonePe; (ii) sell or exploit, including for any commercial purposes, any portion of the Newsletter; (iii) create any derivative work. Any copy of the Newsletter or contents thereof saved to Your personal disk or to any other storage medium at Your end may only be used for subsequent viewing purposes and for non-commercial personal use.
   • Hyperlink included in the Newsletter and resources provided by third parties, if any, are for information purposes only and are not an endorsement or verification of such linked websites. You agree that We have no control over the contents of such websites or resources and assume no responsibility for the contents of or the consequences or for any loss or damage that may arise from accessing such linked websites. You agree that Your access to and/or the use of any such linked website is entirely at Your own risk and subject to the terms and conditions of access and/or use contained therein. We are not responsible for the privacy practices of any such linked website. Once You are directed to any third party website, You should check the applicable personal data policy of the third party website to determine how they will handle any personal data which they may collect from You. We are not responsible for any third party content (including but not limited to any computer viruses or other disabling features), nor have any obligation to monitor such third party content.
   • We reserve the right to collect, to use, and to distribute demographic data about You and Your access/usage of the Newsletter in forms that do not identify You individually or reveal Your identity.

5. Intellectual Property Rights
   • The Newsletter may contain trademarks, service marks, names, titles, logos, images, designs, copyrights, and other proprietary materials owned, registered, and used by PhonePe (“PhonePe’s IP”) or by third parties (“Third Party IP”). You acknowledge and agree that PhonePe or the third party, as the case may be, are the exclusive owners of PhonePe’s IP and Third Party IP respectively, and any unauthorized use of such intellectual property is strictly prohibited. 
   • Nothing contained in the Newsletter should be construed as granting, by implication or otherwise, any right, license, or title to any of PhonePe’s IP and/or Third Party IP. Further, the domain name on which the Newsletter is hosted on is the sole property of PhonePe and You shall not use or otherwise adopt a similar name for Your own use.

6. No Representations or Warranties
   • PhonePe does not provide any representations, warranties, undertakings, assurances and guarantees of any nature whatsoever relating to the Newsletter.
   • The Newsletter, including without limitation all content delivered as part of the Newsletter, is provided ‘as is’, ‘as available’ and without warranty of any kind, express or implied, including, but not limited to, the implied warranties of title, non-infringement, merchantability and fitness for a particular purpose, non-interference with data, availability, accuracy, or that the Newsletter is error free, and any warranties implied by any course of performance or usage of trade, all of which are expressly disclaimed. PhonePe, its directors, officers, employees, agents, partners, and content providers do not warrant that: (i) defects or errors in the Newsletter will be corrected; or (ii) the results of using the Newsletter will meet Your requirements.
7. Indemnity and Limitation of Liability
   • You shall indemnify and hold harmless PhonePe 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 these Terms, privacy policy, or Your violation of any law, rules or regulations or the rights of such third party.
   • In no event shall PhonePe be liable to You and/or any other party for damages and liabilities of any kind, including but not limited to direct, indirect, special, exemplary, incidental, compensatory, punitive, consequential or similar damages arising out of or related to the Newsletter, its content, including without limitation, lost profits, loss of use, business interruption, loss of data or other economic losses, whether in an action of contract, negligence or other tortious action.
   • You hereby waive all claims against PhonePe arising out of Your subscription or use of the Newsletter. Your sole and exclusive right and remedy in case of dissatisfaction with the Newsletter or any other grievance shall be to unsubscribe the Newsletter.

8. Governing Law and Jurisdiction
   These Terms will be governed by the laws of India. Further, the courts at Bengaluru, Karnataka, India shall have exclusive jurisdiction for all matters arising out of or in connection with these Terms and You agree to irrevocably submit to the exclusive jurisdiction of such courts.