Our Policies

Paytm is a transparent and ethical company and expects that its ethics and values are intentionally upheld all across. Paytm is bound by the relevant law of the land.

We suggest you go through our policies carefully, and keep visiting for updates.

Paytm Website and SSO-ID Terms & Conditions


Use of the Paytm Platform/Paytm Services

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the Paytm website located at paytm.com, and all associated sites linked to paytm.com, or the Paytm mobile application or any similar platform (hereinafter collectively, the Paytm Platform run by One97 Communications Limited, having its registered office at First Floor Devika Tower, Nehru Place New Delhi – 110019 and headquartered at B-121, Sector-5, Noida – 201301 and/or any of its affiliates (hereinafter collectively, One97 or Paytm ) on any device and/or before availing any services offered by Paytm on the Paytm Platform which may include services such as recharge or bill payment, digital products, semi-closed wallet service and marketplace service or any other service that may be offered by Paytm on the Paytm Platform (hereinafter individually, and collectively, the Paytm Services). For the avoidance of doubt, it is clarified that these terms and conditions shall apply to all Paytm Services, whether offered by One97 or its affiliates.

Acceptance

By registering on, accessing, browsing, downloading or using the Paytm Platform for any general purpose or for the specific purpose of availing any Paytm Service, you agree to be bound by the single-sign-on ID (hereinafter SSOID) terms and conditions set forth below as well as by the service-specific terms and conditions applicable to each Paytm Service (hereinafter collectively, the T&Cs). These T&Cs shall also include any additional or modified terms and conditions in relation to the SSOID or any additional or modified service-specific terms and conditions in relation to any Paytm Service or any future service that may be offered by Paytm on the Paytm Platform. By registering on, accessing, browsing, downloading or using (as applicable) the Paytm Platform or availing any Paytm Service or the SSOID, you automatically and immediately agree to all the T&Cs. If at any time you do not accept or agree with any of the T&Cs or do not wish to be bound by the T&Cs, you may not access, browse or use the Paytm Platform and immediately terminate your availing the Paytm Services. Accepting or agreeing to the T&Cs will constitute a legal contract (hereinafter Agreement) between you, being at least 18 years of age and an individual user of the Paytm Platform or a customer or beneficiary of the Paytm Services, and Paytm. All services are rendered by Paytm through the Paytm Platform under the brand name “Paytm” (or any derivatives or variations thereof). Consequently, all the rights, benefits, liabilities and obligations under the T&Cs shall, as the case may be, accrue to the benefit of, or incurred by, Paytm, regarding your use of Paytm’s digital services (which includes but may not be limited to prepaid recharge, bill payment, booking movie tickets, bus tickets, hotel rooms or flight tickets), the semi closed wallet service, the marketplace service or any such other services which may be added on the Paytm Platform and which will henceforth be a Paytm Service, from time to time. The Paytm Services shall be used by you subject to your adherence with the T&Cs. As long as you accept and comply with these T&Cs, Paytm grants you a personal, non-exclusive, non-transferable, limited, revocable privilege to enter and use the Paytm Platform and/or avail the Paytm Services.

Eligibility

The Paytm Services are not available to persons under the age of 18 or to anyone previously suspended or removed by Paytm from availing the Paytm Services or accessing the Paytm Platform. By accepting the T&Cs or by otherwise using the Paytm Services on the Paytm Platform, you represent that you are at least 18 years of age and have not been previously suspended or removed by Paytm, or disqualified for any other reason, from availing the Paytm Services or using the Paytm Platform. In addition, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, you shall not impersonate any person or entity, or falsely state or otherwise misrepresent your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, Paytm reserves the right to suspend or permanently prevent you from availing Paytm Services or using the Paytm Platform.

Other Terms and Conditions

Additional terms and conditions may apply in order for you to avail specific Paytm Services and to specific portions or features of the Paytm Platform, including contests, promotions or other similar features, all of which terms are made a part of these T&Cs by this reference. You agree to abide by such other terms and conditions, including where applicable representing that you are of sufficient legal age to use or participate in such service or feature. If there is a conflict between these T&Cs and the terms posted for or applicable to a specific portion of the Paytm Platform or for any Paytm Service offered on or through the Paytm Platform, the latter terms shall control with respect to your use of that portion of the Paytm Platform or the specific Paytm Service.

Paytm may make changes to any Paytm Services offered on the Paytm Platform, or to the applicable terms for any such Paytm Services, at any time, without notice. The materials on the Paytm Platform with respect to the Paytm Services may be out of date, and Paytm makes no commitment to update the materials on the Paytm Platform with respect to such Paytm Services.

The following terms also govern and apply to your use of the Paytm Platform, and they are incorporated herein by this reference:

https://paytm.com/about-us/our-policies/#tandc

https://paytm.com/terms

https://paytm.com/privacy-policy

SSOID Service, Participating Platforms

Paytm’s SSOID service offers you the convenience, after a one-time registration any Paytm Platform, to sign on (log in) to all web pages and online platforms operated by Paytm or its affiliates (hereinafter the Participating Platforms) with single log-in access / data, without going through a separate registration process every time. After successfully registering for the SSOID Service, the user can log-in via each Participating Platform with his SSOID access credentials. Moreover, if already logged in to one of the Participating Platforms, the user can immediately use all other Participating Platforms without additional log-in procedures (subject to the respective Participating Platform requiring further declarations).

The Participating Platforms that offer the SSOID as a login feature, are visible on registration and in the user account. The number of Participating Platforms may also vary in the course of time.

With regard to the contractual relationships of the users with the respective Participating Platforms, for the purposes of which Paytm’s SSOID service is or can be used in accordance with these T&Cs, these can alternatively have their own commercial and user terms and conditions. These business or user terms and conditions are available on the respective Participating Platforms. For the respective contents of the Participating Platforms, the respective affiliate of Paytm is solely responsible only for those content that it actually operates. For the SSOID service, these T&Cs apply exclusively, whereas for the use of the Participating Platforms, their business and user terms and conditions apply along with these T&Cs. The SSOID shall be owned and operated by One97 for use on all Participating Platforms, by One97 or its affiliates.

For the use of Paytm’s SSOID service, the user must register. Registration as a user is only allowed if the user meets the eligibility criteria as set out in these T&Cs. Each user can set up only one user account. The user is obliged to provide correct and complete information during the registration and use of the SSOID service.

The login data is intended solely for personal use by the user and therefore always to be kept secret and safe. The user is not entitled to share his login details with third parties to use the SSOID service or to disclose them otherwise. The user is obliged to inform Paytm immediately on becoming aware of and/or suspecting a case of any unauthorized use, disclosure and/or misuse of their access data or of their user account. Furthermore, the user is obliged not to use the user account of another person.

Submission of the duly completed registration form by the user simply provides invitation to us to make an offer to enter into the agreement on the use of our SSOID service (hereinafter the SSOID Agreement). Our offer for the conclusion of the SSOID Agreement is then effected by the fact that Paytm sends the user a confirmation by e mail, in which a confirmation link is included next to the user name and the password for the SSOID Service. By the user clicking on this confirmation link, the user accepts Paytm’s offer, so that in this way the SSOID Agreement enters into force. Conclusion of the SSOID Agreement may, also be effected through other communication modes and following such processes which help achieve the same purpose as the aforementioned e-mail confirmation process.

Paytm is entitled to reject individual users without giving reasons.

The user guarantees that the data submitted for their user account (and any other information that is otherwise left for Paytm) are in all respects complete, true, accurate and not misleading. Any changes to user’s data should be promptly updated correctly in its account.

Communication Policy

By accepting the T&Cs, you accept the following:

  • Paytm may send alerts to the mobile phone number provided by you while registering with the Paytm Platform for the SSOID service or on any updated mobile number subsequently provided by you on the Paytm Platform, or via e-mail or push notifications. The alerts will be received in case of SMS, only if the mobile phone is in ‘On’ mode to receive the SMS, in case of e-mail, only if the e-mail servers and e-mail ids are functional, and in case of push notifications, if the user has enabled the receipt of such notifications. If the mobile phone is in ‘Off’ mode or if the e-mail servers or ids are not functional or if the push-notifications feature has been turned off, then you may not get the alert at all or get delayed messages.

  • Paytm will make best efforts to provide alerts via SMS/e-mail/push notifications and it shall be deemed that you shall have received the information sent from Paytm as an alert on the mobile phone number or e-mail id provided during the course of, or in relation to, using the Paytm Platform or availing any Paytm Services. Paytm shall not be under any obligation to confirm the authenticity of the person(s) receiving the alert. You cannot hold Paytm liable for non-availability of the SMS/email alert/push notifications service in any manner whatsoever.

  • The SMS/e-mail alert/push notification service provided by Paytm is an additional facility provided for your convenience and that it may be susceptible to error, omission and/or inaccuracy. In the event that you observe any error in the information provided in the alert, Paytm shall be immediately informed about the same by you and Paytm will make best possible efforts to rectify the error as early as possible. You shall not hold Paytm liable for any loss, damages, claim, expense including legal cost that may be incurred/suffered by you on account of the SMS/e-mail alert/push notification facility.

  • The clarity, readability, accuracy and promptness of providing the SMS/e-mail alert/push notification service depend on many factors including the infrastructure and connectivity of the service provider. Paytm shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever.

  • You will indemnify and hold harmless Paytm and the SMS/e-mail service provider including its officials from any damages, claims, demands, proceedings, losses, costs, charges and expenses whatsoever including legal charges and attorney’s fees which Paytm or the SMS/e-mail service provider may at any time incur, sustain, suffer or be subjected to as a consequence of, or arising out of, any of the following: (i) misuse by you or improper or fraudulent information provided by you; (ii) incorrect number or a number that belongs to an unrelated third party provided by you; and/or (iii) the customer receiving any message relating to the reservation number, travel itinerary information, booking confirmation, modification to a ticket, cancellation of ticket, change in bus schedule, delay, and/or rescheduling from Paytm and/or the SMS/e-mail service provider.

  • You will receive information via SMS, e mail and phone call regarding what Paytm perceive to be of your interest based on your usage history and browsing history (which information may be shared by One97 with its affiliates). This includes providing information relating to offers, discounts and general information by Paytm. In case you do not want such information, you have to explicitly ask to be excluded.

Use of Paytm Platform

You understand that except for information, products or services clearly indicated as being supplied by Paytm, we do not operate, control, or endorse any information, products or services on the Internet in anyway. You also understand that Paytm cannot and does not guarantee or warrant that files available for download through the Paytm Platform will be free of viruses, worms or other code that may be damaging. You are responsible for implementing procedures to satisfy your particular requirements of Internet security and for accuracy of data input and output.

Prohibited Conduct

By accessing or using the Paytm Platform or by availing Paytm Services, you agree not to:

  • violate the T&Cs;

  • impersonate any person or entity, falsely claim or otherwise misrepresent your affiliation with any person or entity, or access the accounts of others without permission, forge another person’s digital signature, misrepresent the source, identity, or content of information transmitted via the Paytm Services, perform any other similar fraudulent activity or otherwise avail Paytm Services with what we reasonably believe to be potentially fraudulent funds;

  • infringe our or any third party’s intellectual property rights, rights of publicity or privacy;

  • use the Paytm Services if you are under the age of 18 years without a parental sponsor or, in any event, use the Paytm Services if you are under the age of 13 years old even with a parental sponsor and in accordance with applicable law;

  • post or transmit any message which is libellous, defamatory or which discloses private or personal matters concerning any person;

  • post or transmit any message, data, image or program which is pornographic, vulgar or offensive in nature;

  • refuse to cooperate in an investigation or provide confirmation of your identity or any other information provide by you to Paytm;

  • remove, circumvent, disable, damage or otherwise interfere with security-related features of the Paytm Services and the Paytm Platform or features that enforce limitations on the use of the Paytm Services or the Paytm Platform;

  • reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of as regards Paytm Services or Paytm Platform or any part thereof, except and only to the extent this is expressly permissible by applicable law;

  • use the Paytm Services or the Paytm Platform in any manner that could damage, disable, overburden, or impair it, including, without limitation, using the Paytm Services or the Paytm Platform in an automated manner;

  • modify, adapt, translate or create derivative works based upon the Paytm Services and the Paytm Platform or any part thereof, except and only to the extent that that this is permissible by applicable law;

  • intentionally interfere with or damage operation of the Paytm Services or the Paytm Platform or any other user’s enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features;

  • use any robot, spider, other automatic device, or manual process to monitor or copy the Paytm Platform without prior written permission;

  • interfere or disrupt the Paytm Platform or networks connected to the Paytm Platform;

  • take any action that imposes an unreasonably or disproportionately large load on Paytm’s infrastructure/network;

  • use any device, software or routine to bypass the Paytm Platform’s robot exclusion headers, or interfere or attempt to interfere, with the Paytm Services;

  • forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the Paytm Platform or to manipulate your presence on the Paytm Platform;

  • sell the Paytm Services, information, or software associated with or derived from it;

  • use the facilities and capabilities of the Paytm Platform to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others;

  • breach this Agreement, the SSOID Agreement or any other agreement or policy as may be applicable pursuant to the T&Cs;

  • provide false, inaccurate or misleading information;

  • use the Paytm Platform to collect or obtain personal information, including without limitation, financial information, about other users of the Paytm Platform, except and only as expressly provided in the T&Cs;

  • avail Paytm Services with what Paytm reasonably believes to be potentially fraudulent funds;

  • use the Paytm Services in a manner that results in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties and other liability to Paytm, a third party or you;

  • use the Paytm Services in a manner that Paytm or any payment card network reasonably believe to be an abuse of the payment card system or a violation of payment card network rules;

  • take any action that may cause Paytm to lose any of the Paytm Services from its service providers or lose any of its recharge partners or business partners, including mobile operators or telecom companies, payment processors or other suppliers;

  • send automated request of any kind to the Paytm Platform without express permission in advance from Paytm.

Termination; Agreement Violations

You agree that Paytm, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate your account (or any part thereof) or your use of the Paytm Services/Paytm Platform and remove and discard on the Paytm Platform all or any part of your account, your user profile, or your recipient profile, including your SSOID, at any time. Paytm may also in its sole discretion and at any time discontinue providing access to the Paytm Services, or any part thereof, with or without notice. You agree that any termination of your access to the Paytm Services/Paytm Platform or any account you may have or portion thereof may be effected without prior notice, and you agree that Paytm will not be liable to you or any third party for any such termination or interruption. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Paytm may have at law or in equity. Upon termination for any reason, you agree to immediately stop using the Paytm Services/Paytm Platform.

Limitation of Liability and Damages

In no event, Paytm or its contractors, agents, licensors, partners or suppliers will be liable to you for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Paytm Services, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm Services, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service, even if Paytm or a Paytm authorized representative has been advised of the possibility of such damages. In no event, Paytm or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers will be liable to you for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Paytm Services, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm services, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service; or (v) any other interactions with Paytm, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by you, if any, for using the portion of the Paytm Service or the Paytm Platform giving rise to the cause of action, or beyond or in excess Rs, 1,000, whichever is less. You acknowledge and agree that Paytm has offered its products and services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between you and Paytm, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and Paytm. Paytm would not be able to provide the services to you on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to you subject to applicable law. In such cases, Paytm’s liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive the termination of this Agreement.

Indemnification

You agree to indemnify, save, and hold Paytm, its affiliates, contractors, employees, officers, directors, agents and its third party suppliers, licensors, and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to: (i) your use or misuse of the Paytm Services or of the Paytm Platform; (ii) any violation by you of this Agreement or the SSOID Agreement; or (iii) any breach of the representations, warranties, and covenants made by you herein. Paytm reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Paytm, including rights to settle, and you agree to cooperate with Paytm’s defense and settlement of these claims. Paytm will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement.

Disclaimer; No Warranties

To the fullest extent permissible pursuant to applicable law, Paytm and its third-party partners, licensors and suppliers disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by you from Paytm or through the Paytm Services or the Paytm Platform will create any warranty or guarantee other than those expressly stated herein. For the purposes of this Disclaimer, you expressly acknowledge that as used in this section, the term “Paytm” includes Paytm’s officers, directors, employees, shareholders, agents, licensors, subcontractors and affiliates. You acknowledge that Paytm is a reseller of mobile recharges and is not liable for any third party (telecom companies, mobile operators or suppliers) obligations due to rates, quality and all other instances, whether to any such telecom companies’ subscribers or otherwise. You expressly agree that use of the Paytm Services on the Paytm Platform is at your sole risk. It is your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the Internet generally. Paytm does not warrant that the Paytm Services will be uninterrupted or error-free or that defects in the site will be corrected. The Paytm Services and the Paytm Platform and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an “as is” and “as available,” “with all faults” basis and without warranties or representations of any kind either express or implied. Paytm, and its third party suppliers, licensors, and partners do not warrant that the data, Paytm software, functions, or any other information offered on or through the Paytm Services/Paytm Platform or any reference sites/platforms/apps/services will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. Paytm and its third party suppliers, licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the Paytm Services/Paytm Platform or any reference sites/platforms/apps/services in terms of correctness, accuracy, reliability, or otherwise. You understand and agree that you use, access, download, or otherwise obtain information, materials, or data through the Paytm Services/Paytm Platform or any reference sites/platforms/apps/services at your own discretion and risk and that you will be solely responsible for any damage to your property (including your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and you should not rely on any such statement. This paragraph shall survive termination of this Agreement. In no event will Paytm be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the Paytm Platform.

Ownership; Proprietary Rights

The Paytm Services and the Paytm Platform are owned and operated by Paytm and/or third party licensors. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the Paytm Services and the Paytm Platform provided by Paytm (hereafter Materials) are protected by Indian copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between you and Paytm, all Materials, trademarks, service marks, and trade names contained on the Paytm Platform are the property of Paytm and/or third party licensors or suppliers. You agree not to remove, obscure, or alter Paytm or any third party’s copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the Paytm Services/Paytm Platform. Except as expressly authorized by Paytm, you agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials. Paytm reserves all rights not expressly granted in this Agreement. If you have comments regarding the Paytm Services and/or the Paytm Platform or ideas on how to improve it, please contact customer service. Please note that by doing so, you hereby irrevocably assign to Paytm, and shall assign to Paytm, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

Modification of this Agreement

Paytm reserves the right to change, modify, add, or remove portions of this Agreement (each, a change and collectively, changes) at any time by posting notification on the Paytm Platform or otherwise communicating the notification to you. The changes will become effective, and shall be deemed accepted by you, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to your use of the Paytm Platform, availing the Paytm Services or for payment transactions initiated after the posting date. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Paytm Services/Paytm Platform. For certain changes, Paytm may be required under applicable law to give you advance notice, and Paytm will comply with such requirements.Your continued use of the Paytm Platform following the posting of changes will mean that you accept and agree to the changes.

Notice

Paytm may provide you with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the Paytm Platform or by any other reasonable means. Except as otherwise set forth herein, notice to Paytm must be sent by courier or registered mail to One97 Communications Ltd., B-121, Sector-5, Noida, Uttar Pradesh 201301, India.

Waiver

The failure of Paytm to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by Paytm.

Dispute Resolution

If any dispute, controversy or claim arises under this Agreement or in relation to any Paytm Service or the Paytm Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs (hereinafter Dispute), the parties shall use all reasonable endeavours to resolve such Dispute amicably.

If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Paytm may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be New Delhi and the language of this arbitration shall be English. Either you or Paytm may seek any interim or preliminary relief from a court of competent jurisdiction in New Delhi necessary to protect the rights or the property belonging to you or Paytm (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither you nor Paytm may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between you and Paytm. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.

Governing Law and Forum for Disputes

Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against Paytm must be resolved by a court having jurisdiction in New Delhi, India. You agree to submit to the personal jurisdiction of the courts located within New Delhi, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.

Severability

If any provision of this Agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.

Assignment; Restrictions on Information Sharing; Privacy

This Agreement, and any rights granted hereunder, may not be transferred or assigned by you without Paytm’s prior written consent which may be withheld in Paytm’s sole discretion, but this Agreement, and any rights granted hereunder, may be assigned by Paytm freely (including to its affiliates) and without any restriction. Any assignment attempted to be made by you in violation of this provision shall be void and of no effect.

By accepting this Agreement and the T&Cs hereunder, you agree to be customers of Paytm (including, each ofOne97 Communications and its affiliates). In addition, by accepting this Agreement and the T&Cs hereunder, you expressly and impliedly provide your free and unconditional consent for the following: (a) for transferring Paytm’s rights and obligations under this Agreement and the T&Cs in favour of any affiliate or third party; (b) for using the Paytm Platform and availing the Paytm Services by you subject to any specific terms and conditions imposed by any affiliate of Paytm; (c) for receiving communications, notices and information from any One97 or any affiliate of One97; (d) for sharing of business information (including data analytics and any information relating to you or the services being availed by you) between One97 and any affiliate, insofar as such sharing of business information is necessary or required for the following limited purposes: (i) provision of better services to Paytm’s customers (including you); (ii) provision of better services by Paytm’s vendors; (iii) to prevent any breach of a binding agreement between One97 and any affiliate, or to give effect to any such agreement; (iv) for ensuring compliance with the applicable law or legally compelled disclosures by Paytm or by any affiliate of Paytm; or (v) for preventing fraud and money laundering and for enhancement of risk mitigation systems and processes in relation to the activities of One97 or any affiliate; or (vi) One97 retaining any and all information relating to you till such time as may be required under applicable laws or internal policies.

At times One97or its affiliates may make certain personal information available to affiliates, and, strategic partners that work with Paytm to provide products and services, or that help Paytm market to customers. Personal information will only be shared by Paytm to provide or improve Paytm’s products, services and advertising, and will always be shared in compliance with applicable laws; it will not be shared with non-affiliated third parties for their marketing purposes.

Paytm, amongst others, shares information with companies (including with its affiliates) who provide services such as information processing, extending credit, fulfilling customer orders, delivering products to you, managing and enhancing customer data, providing customer service, assessing your interest in Paytm’s products and services, offering any products or services from any Paytm Platform, and conducting customer research or satisfaction surveys. Any such sharing will be in compliance with applicable law and these companies are obligated to protect your personal information under applicable law.

It may be necessary − by law, legal process, litigation, and/or requests from public and governmental authorities − for Paytm to disclose your personal information. Paytm may also disclose information about you if Paytm determines that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate.

Paytm may also disclose information about you if Paytm determines that disclosure is reasonably necessary to enforce the T&Cs or protect Paytm’s operations or users. Additionally, in the event of a reorganization, transfer, merger, or sale of all or any portion of Paytm’s business or products or services offered through any Paytm Platform to any persons (including any affiliates), Paytm may transfer any and all personal information that Paytm collects to the relevant transferee or enter into contractual agreements to share such information with such transferees, and transfer any contractual rights or benefits to such transferees.

For the purposes of these T&Cs, the term “affiliates” means and includes: (a) any company which is the holding company (as defined in the Companies Act, 2013), subsidiary company (as defined in the Companies Act, 2013) or associate company (as defined in the Companies Act, 2013) of One97; or (b) a person under the control of or under common control with One97; or (c) any company, who is an associate company (as defined in the Companies Act, 2013) of the first company, or if more than 50% of the share capital of such company (calculated on a fully diluted basis) is held by the same shareholders who own more than 50% of the share capital of One97 Communications Limited (calculated on a fully diluted basis)..

For the purpose of this definition of an “affiliate”, “control” together with its grammatical variations when used with respect to any person (including Paytm), means the power to direct the management and policies of such person, directly or indirectly, whether through the ownership of the voting securities, by contract or otherwise howsoever; and a “person” means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

Paytm’s privacy policy applies to use of the Paytm Platform, and its terms are made a part of these T&Cs by this reference. Additionally, by using the Paytm Platform, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Paytm Platform may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, credit card information) is encrypted.

Survival

Upon termination of this Agreement, any provision which, by its nature or express terms should survive, will survive such termination or expiration as applied to transfers and relationship prior to such termination or expiration.

Headings

The heading references herein are for convenience purposes only and they do not constitute a part of these T&Cs and will not be deemed to limit or affect any of the provisions hereof.

Entire Agreement

This Agreement is the entire agreement between you and Paytm relating to the subject matter hereof and this Agreement will not be modified except by a change to this Agreement made by Paytm in accordance with the terms of this Agreement.

Semi Closed Wallet Terms and Conditions

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the Paytm website located at paytm.com, and all associated sites linked to paytm.com, or the Paytm mobile application or any similar platform (hereinafter collectively, the Paytm Platform) run by One97 Communications Limited, having its registered office at First Floor Devika Tower, Nehru Place New Delhi – 110019 and headquartered at B-121, Sector-5, Noida – 201301 and/ or any of its affiliates (hereinafter, collectively, One97 or Paytm) on any device and/or before availing any e-wallet services that may be offered by Paytm on the Paytm Platform (hereinafter, individually Paytm Wallet Service and collectively, the Paytm Wallet Services).

Semi Closed Wallet Terms and Conditions

Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the Paytm website located at paytm.com, and all associated sites linked to paytm.com, or the Paytm mobile application or any similar platform (hereinafter collectively, the Paytm Platform) run by One97 Communications Limited, having its registered office at First Floor Devika Tower, Nehru Place New Delhi – 110019 and headquartered at B-121, Sector-5, Noida – 201301 and/ or any of its affiliates (hereinafter, collectively, One97 or Paytm) on any device and/or before availing any e-wallet services that may be offered by Paytm on the Paytm Platform (hereinafter, individually Paytm Wallet Service and collectively, the Paytm Wallet Services).

Eligibility

The Paytm Wallet Services are not available to persons under the age of 18 or to anyone previously suspended or removed by Paytm from availing the Paytm Wallet Services or accessing the Paytm Platform. By accepting the T&Cs or by otherwise using the Paytm Wallet Services on the Paytm Platform, you represent that you are at least 18 years of age and have not been previously suspended or removed by Paytm, or disqualified for any other reason, from availing the Paytm Wallet Services or using the Paytm Platform. In addition, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, you shall not impersonate any person or entity, or falsely state or otherwise misrepresent your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, Paytm reserves the right to suspend or permanently prevent you from availing Paytm Wallet Services or using the Paytm Platform.

Semi Closed Wallet Terms and Conditions

The terms and conditions in relation to the semi closed wallet set out below (hereinafter Wallet Terms) are applicable to and binding on you in conjunction with the SSOID terms and conditions already accepted by you. Each SSOID term or condition is applicable to and binding on you, or any of your activities on the Paytm Platform, even if such term or condition is not specifically reproduced herein below. The terms ‘Agreement’ or ‘T&Cs’ mentioned herein below includes the terms and conditions in relation to the semi closed wallet set out below, the SSOID terms and conditions, and other service-specific terms and conditions in relation to Paytm Services or Paytm Platform.

  1. Definitions

    1. “Customer” “or” “you” mean a person who has registered with Paytm Platform for availing the Paytm Wallet and who has accepted the T&Cs, including the SSOID terms and the Wallet Terms, and a person who owns, operates, or has access to an internet compatible device that supports the Paytm Wallet and the Paytm Platform.

    2. “Paytm Wallet” or “Wallet” means the pre-paid payment instrument issued by Paytm including Basic Account and Prime Account.

    3. “Charge(s)” or “Service Charge” shall mean the charges which Paytm may levy upon you in consideration for subscribing to the Paytm Wallet.

    4. “Person-to-Person Transfer” refers to a facility to transfer funds from a Paytm Wallet to any other Paytm Wallet issued by Paytm or to any savings or current bank account.

    5. “Merchant Establishment” shall mean and include physical Merchants, remote Merchants and any other outlet that has been authorized by Paytm to accept payment using Paytm Wallet.

    6. “Enrollment Form” shall mean the Paytm Wallet Enrollment Form, as is required by Paytm from the Customer at the time of registration for availing and/or continuation of the Paytm Wallet.

    7. “Basic Account” means Customer Paytm Wallet classified as Semi-closed system payment instruments issued by accepting minimum customer details being Customer name, e-mail address, mobile number, which permit payment and domestic money remittance as per RBI Directions on Issuance and Operation of Pre-paid Payment Instruments in India (Reserve Bank) Directions, 2009 as amended and supplemented by the RBI from time to time.

    8. “Prime Account” means Customer Paytm Wallet which is KYC compliant and classified as Semi-closed system payment instruments which permit Person-to-Person transfer and payment to all identified Merchant as per RBI Direction on Issuance and Operation of Pre-paid Payment Instruments in India (Reserve Bank) Directions, 2009 as amended and supplemented by the RBI from time to time.

    9. “KYC” stands for Know your Customer and refers to the various norms, rules, laws and statutes issued by RBI from time to time under which Paytm is required to procure personal identification details from you before any services can be delivered. Know your Customer (KYC) documents may be required by Paytm from the Customer at the time of registration and/or on a later date, for availing and/or continuation of the Paytm Wallet.

    10. “Password” means the secret password used to secure Paytm Wallet applications, without knowledge of which your Paytm Wallet will not be operable (i.e., the password for your SSOID).

    11. “Transaction” means Person-to-person transfer or purchase of goods or services at Merchant Establishments or transfer of money to Paytm Wallet or Person-to-bank transfer.

    12. “Person-to-bank transfer” refers to a facility to transfer funds from a Paytm Wallet to any bank account.

    13. “RBI” means the Reserve Bank of India.

  1. Documentation

    1. The collection, verification, audit and maintenance of correct and updated Customer information is a continuous process and Paytm reserves the right, at any time, to take steps necessary to ensure compliance with all relevant and applicable KYC requirements. Paytm reserves the right to discontinue services or reject applications for Paytm Wallet at any time if there are discrepancies in information and/or documentation provided by you.
    2. Any information provided to Paytm with the intention of securing Paytm Wallet services shall vest with Paytm, and may be used by Paytm, for any purpose that is not inconsistent with any applicable law or regulation, at its discretion.

    3. If the particulars provided by you in the KYC documents do not match with the details mentioned in the Enrollment Form, then Paytm has the right to forfeit the balance amount in your Wallet.

  1. General Conditions of Paytm Wallet

    1. Subject to being permissible under regulations, you will be issued, Basic Account immediately after successful registration. Your account will be upgraded to a Prime Account after you submit your KYC documents at the time of registration itself or on a later date and the same are verified and approved by Paytm. Paytm Wallet Prime Account services shall ordinarily be activated within twenty one (21) working days of receipt and verification of the associated documentation. For detailed features, registration process, documentation processes, KYC requirements, permitted Transactions, service discontinuation procedure and other related details relating to the above mentioned services, please refer www.paytm.com/paytmcash.
    2. You may recharge your Paytm Wallet through any of the methods mentioned at www.secure.paytm.in. The list of recharge outlets and methods of recharging Paytm Wallet are subject to change at the discretion of Paytm without prior intimation to the Customer.

    3. You may note that withdrawing money from Paytm Wallet is not allowed. Any outstanding credit in the Paytm Wallet must be utilized only to make payments for bona fide Transactions at Merchant Establishments and Person-to-person transfers or Person-to-bank transfers.

    4. Paytm Wallets are available only to resident Indians who have attained the age of 18 years and are competent to contract.

    5. Paytm Wallets are not transferable.

    6. The maximum monetary value that can be stored at any point of time in a Paytm Wallet Prime Account is INR 1,00,000/-(INR One lakh only). The maximum permitted value of Transactions at any point of time in Paytm Wallet Prime Account is INR 1,00,000/- (INR One lakh only). The maximum monetary value that can be stored and utilized in a month in a Paytm Wallet Basic Account is INR 20,000/- (INR Twenty Thousand Only). The maximum monetary value that can be transferred from one Paytm Wallet Account to other Paytm Wallet or bank account in a single transaction is INR 5,000/- (INR Five Thousand only). The maximum monetary value that can be transferred from one Paytm Wallet account to another Paytm Wallet or bank account in a single month is INR 25,000/- (INR Twenty Five Thousand only). Subject to guidelines/notifications issued by RBI from time to time these limitations may be reviewed and modified at the discretion of Paytm without prior intimation to the Customer.

    7. Paytm reserves the right to suspend/discontinue Paytm Wallet services to you at any time, for any cause, including, but not limited, to the following-

      • For any suspected violation of the rules, regulations, orders, directions, notifications issued by RBI from time to time or for any violation of the T&Cs, including the Wallet Terms mentioned in this document;

      • For any suspected discrepancy in the particular(s), documentation or Enrollment Form provided by you;

      • To combat potential fraud, sabotage, wilful destruction, threat to national security or for any other force majeure event;

      • If the same is due to technical failure, modification, upgradation, variation, relocation, repair, and/or maintenance due to any emergency or for any technical reasons;

      • If the same is due to any transmission deficiencies caused by topographical and geographical constraints/limitations;

      • If the mobile connection with which your Paytm Wallet is related ceases to be operational or in your possession or control;

      • If Paytm believes, in its reasonable opinion, that cessation/suspension is necessary for any other legitimate purpose.

    8. The value stored on your Paytm Wallet shall NOT be refunded under ANY circumstances and may only be utilized to make payments for bona fide Transactions. No interest will be payable by Paytm on the available balance reflected on the Paytm Wallet;

    9. You are permitted to maintain and operate only one Paytm Wallet. Any suspected non-conformity with this requirement shall constitute grounds for the suspension/discontinuation by Paytm of any or all Wallets associated with you on the Paytm Platform. Any operation of or continued availability of any facility respect to the Paytm Wallets from time to time shall be subject to any requirements under applicable laws, and any new regulations or directions from any regulatory authorities in India.

  1. Wallet Charges & Validity

    1. You shall pay the Service Charges prescribed by Paytm in the form and manner prescribed for such payment. Paytm may at its discretion, change, amend, increase, or reduce the Service Charges without prior intimation to the Customer.
    2. Any value in your Paytm Wallet that is utilized towards making payments for any Transaction shall be automatically debited from your Paytm Wallet. Paytm’s responsibility is limited to the debiting of your Paytm Wallet and the subsequent payment to any Merchant Establishment that you might transact with. Paytm does not endorse, promote, champion or warrant any goods and/or services that might be bought/availed or proposed to be bought/availed using Paytm Wallet.

    3. Paytm reserves the right to levy charges or charge a commission upon any amounts loaded upon your Paytm Wallet or any amounts spent/utilized by you using Paytm Wallet. The current charges (which may be changed in future at our sole discretion) are as follows:

      This charge is on the total amount being deducted and not on the amount being transferred.

      KYC customer (registered as business) are customers who are using Paytm to grow their business and have registered for same. You can become a Paytm business partner by visiting paytm.com/business.

    4. Paytm reserves the right to set off any balance in your Wallet in order to recover funds for transactions processed as per your request.

    5. Wallet Expiry and Balance Forfeiture

      • At present, Paytm does not expire the Wallet or forfeits the balance amount in Paytm Wallet

      • Paytm reserves the right to introduce a policy as per the applicable RBI guidelines for Wallet expiration and balance forfeiture in future. The terms and conditions related to any such policy that we may introduce in the future will come into effect from the date that will be clearly indicated under the T&Cs, including under the Wallet Terms.

  1. Customer Obligations

    1. Paytm Wallet availability is subject to the maintenance of an active mobile phone or internet connection with an associated telecom provider. Paytm Wallet availability is subject to the maintenance of a mobile phone handset and other application on which Paytm Services/Paytm Platform can run and the Customer is solely responsible for all liability arising from the unavailability of the Paytm Services/Paytm Platform due to a deficient or defective mobile handset or the internet service provider not being able to support any Paytm Wallet channel or application.
    2. You must ensure the availability of sufficient funds in you Paytm Wallet before executing any Transaction from your Paytm Wallet.

    3. You shall be solely responsible for the confidentiality, safety and security of the Password. You shall be the sole owner of the Password and shall be responsible for the consequences arising out of disclosure of the Password and/or the unauthorized use of Paytm Wallet. In case the Password is lost or misplaced, you shall promptly inform Paytm by calling at the customer care numbers where after the existing Password will be barred and a new Password will be issued to you after necessary validation. In case the mobile phone/SIM card/mobile number associated with your Paytm Wallet is lost/stolen/misplaced/no longer in your control, you shall promptly inform Paytm. Paytm will upon receipt of such information block the relevant account.

    4. You shall only use Paytm Wallet for any Transactions with the specific Merchant Establishment for the products/services available therein. The list of Merchant Establishments is available at www.paytm.com and is subject to change at Paytm’s discretion without prior intimation.

    5. You shall intimate Paytm about change in your address, if any, in writing along with such proof of address as per the KYC documents.

    6. You shall not use Paytm Wallet for any purpose that might be construed as contrary or repugnant to any applicable law, regulation, guideline, judicial dicta, Paytm policy or public policy or for any purpose that might negatively prejudice the goodwill of Paytm or violate the T&Cs, including the Wallet Terms set out here.

    7. You acknowledge and understand that Paytm Wallet is linked to your mobile phone number and you shall be solely responsible for any liability arising out of the loss/theft/misuse of the mobile phone number or deactivation of mobile connection by the concerned telecom service provider.

    8. Information submitted by you for availing Paytm Wallet and/or information submitted while using Paytm Wallet may be shared by Paytm with any affiliate of Paytm or any third party, inter alia, to facilitate the provision of Paytm Wallet or for the purposes specified in the T&Cs, including in the SSOID terms and conditions.

    9. You shall ensure that the Wallet services are not used for Transactions in foreign currency. Paytm Wallet is issued in India and shall be valid only in India and shall be used at Merchant Establishments only in India.

    10. Without limiting the foregoing, you agree that you will not use the Paytm Platform to undertake any of the following actions or to display, upload, modify, publish, distribute, disseminate, transmit, update or share any information that:

      • is grossly harmful, harassing, blasphemous defamatory, obscene, pornographic, paedophilic, libellous, invasive of another’s privacy, hateful, or racially, ethnically objectionable, disparaging, relating or encouraging money laundering or gambling, or otherwise unlawful in any manner whatsoever;

      • infringes any patent, trademark, copyright or other proprietary rights;

      • contains viruses, corrupted files, or any other similar software or programs that is designed to interrupt, destroy or that may limit the functionality of any computer source or that may damage or adversely affect the operation of another person’s computer, its web-sites, any software or hardware, or telecommunications equipment;

      • Advertises or offers to sell any goods or services for any commercial purpose;

      • is in the nature of promotional services, products, surveys, contests, pyramid schemes, spam, unsolicited advertising or promotional materials, or chain letters;

      • falsifies or deletes any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material;

      • violates any law for the time being in force;

      • belongs to another person to which you do not have any right to;

      • interferes with or disrupts the Paytm Platform or other Paytm websites, servers, or networks;

      • impersonate any other person;

      • harms minors in any way;

      • forges headers or manipulates identifiers or other data in order to disguise the origin of any content transmitted through its websites or to manipulate your presence on its websites;

      • engages in any illegal activities;

      • threatens the unity, integrity, defence, security or sovereignty of India, friendly relations with foreign states, or public order, or causes incitement to the commission of any cognizable offence, or prevents the investigation of any offence or insults any other nation.

    1. Indemnity

      1. You agree to indemnify, save, and hold Paytm, its affiliates, contractors, employees, officers, directors, agents and its third party suppliers, licensors, and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to : (i) your use or misuse of the Paytm Wallet; (ii) any violation by you of the T&Cs, including the Wallet Terms and the SSOID terms; or (iii) any breach of the representations, warranties, and covenants made by you herein. Paytm reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Paytm, including rights to settle, and you agree to cooperate with Paytm’s defense and settlement of these claims. Paytm will use reasonable efforts to notify you of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement and the T&Cs, including the Wallet Terms and the SSOID terms.
    1. Additional T&Cs

      1. When you acquire goods, software or any other services from a Merchant Establishment through any of Paytm’s Services, including the Wallet service, you understand and agree that Paytm is not a party to the contract between you and the Merchant Establishment. Paytm does not endorse any advertiser or Merchant linked to its website. Furthermore, Paytm is under no obligation to monitor the Merchant Establishment’s service/products used by you. The Merchant Establishment alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant Establishment must be directly resolved by the Customer with the Merchant Establishment. It is clarified that Paytm shall not be responsible or liable for any deficiency in goods and/or services purchased using Paytm Wallet. This exclusion of liability shall apply even for goods and/or services made available by Paytm under promotional schemes. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.
      2. Any amount transferred erroneously by the Customer to any Merchant Establishment shall not be refunded to the Customer by Paytm in any circumstances.

      3. Any web-link on the Paytm Platform 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 relation to that web-link.

      4. In the event of any Dispute (defined below), Paytm records shall be binding as the conclusive evidence of the Transactions carried out through use of Paytm Wallet.

      5. Paytm shall send all customer communications by SMS and/or e-mail and such SMS shall be deemed to have been received by you after they have been submitted for delivery to the mobile phone operator.

      6. You agree to receive all commercial messages including transactional messages from Paytm.

      7. The parties are independent contractors and nothing in these Wallet Terms shall be deemed to create an agency or employment relationship, a franchisor-franchisee relationship, joint venture or partnership.

    1. Amendment of Terms, Platform

      1. Paytm may modify, terminate and/or suspend Paytm Wallet to the Customer anytime with or without prior notice, due to any changes in internal policies, rules, regulations and laws set by relevant authorities/regulators. Paytm reserves the right to change, modify, add, or remove portions of this Agreement (each, a change and collectively, changes) at any time by posting notification on the Paytm Platform or otherwise communicating the notification to you. The changes will become effective, and shall be deemed accepted by you, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to your use of the Paytm Platform, availing the Paytm Services, including the Paytm Wallet service, or for payment transactions initiated after the posting date. If you do not agree with any such change, your sole and exclusive remedy is to terminate your use of the Paytm Services/Paytm Platform/Paytm Wallet. For certain changes, Paytm may be required under applicable law to give you advance notice, and Paytm will comply with such requirements. Your continued use of the Paytm Platform and the Paytm Wallet following the posting of changes will mean that you accept and agree to the changes.
      2. Any amendment of the Wallet Terms proposed by you shall not be effective unless it shall be reduced to writing through an amendment form and accepted by Paytm. Amendments made under this clause shall be deemed to be a part of Wallet Terms and, in case of any contradiction, the amendment form shall prevail. The Wallet Terms herein shall be subject to the notifications / guidelines issued by RBI from time to time.

      1. Eligibility and Registration to Use the Services

      • You must be 18 years old to use Paytm. You must be an authorized representative with the authority to bind that company or entity to the Wallet Terms. You agree to provide accurate, current and complete information about yourself or your company as prompted by our registration form (including your e-mail address and mobile number) and maintain and update your information (including your e-mail address and mobile number) to keep it accurate, current and complete. We reserve the right to terminate any account or your use of the Paytm Platform/Paytm Services, including the Wallet service, if any information provided by you is false, fictitious, inaccurate, not current or incomplete, with or without notice to you.

        You may access your Basic Account or Prime Account using the SSOID. You must keep the Password to you Basic Account or Prime Account, as the case may be, confidential and not share it with any other person. You are responsible for all activity on your Basic Account or Prime Account, as the case may be, whether or not you authorized it. However, if you become aware of any unauthorized use of your Basic Account or Prime Account, as the case may be, or your user id and Password, please contact us immediately.

      1. Compliance with Law

        The Paytm Wallet is governed by RBI direction on Issuance and Operation of Pre-paid Payment Instruments in India (Reserve Bank) Directions, 2009 (as amended and supplemented from time to time) and is also subject to directions / instructions issued by the RBI from time to time in respect of redemption, repayment, usage, etc. Paytm will not be responsible or liable for any violation by you of any applicable law, regulation, or guideline. You hereby declare that your name does not, at any time, appear in the consolidated list of terrorist individuals/organizations or on any such list of persons engaging in unlawful activities as circulated by the RBI or any government department or agency from time to time.

      1. Confidentiality

      • Privacy of communication is subject to the terms of the certificate of authorization granted by the RBI under RBI notifications/directives, etc. You specifically agree that in order to facilitate the provision of Paytm Wallet, Paytm may be required to disclose any information or particulars pertaining to you to any authority, statutory or otherwise.
      1. Assignment; Restrictions on Information Sharing; Privacy

      • This Agreement, and any rights granted hereunder, may not be transferred or assigned by you without Paytm’s prior written consent which may be withheld in Paytm’s sole discretion, but this Agreement, and any rights granted hereunder, may be assigned by Paytm freely (including to its affiliates) and without any restriction. Any assignment attempted to be made by you in violation of this provision shall be void and of no effect.

        By accepting the Wallet Terms here and the T&Cs in general, you agree to be customers of Paytm (including, each of One97 Communications and its affiliates). In addition, by accepting the Wallet Terms here and the T&Cs in general, you expressly and impliedly provide your free and unconditional consent for the following: (a) for transferring Paytm’s rights and obligations under the Wallet Terms in favour of any affiliate of Paytm or any third party; (b) for using the Paytm Platform and availing the Paytm Wallet Services by you subject to any specific terms and conditions imposed by any affiliate of Paytm; (c) for receiving communications, notices and information from any One97 or any affiliate of One97; (d) for sharing of business information (including any information relating to you or the services being availed by you) in relation to the Paytm Wallet service (including data analytics) between One97 and any affiliate, insofar as such sharing of business information is necessary or required for the following limited purposes: (i) provision of better services to Paytm’s customers (including you); (ii) provision of better services by Paytm’s vendors and Merchant Establishments; (iii) to prevent any breach of a binding agreement between One97 and any affiliate, or to give effect to any such agreement; (iv) for ensuring compliance with the applicable law or legally compelled disclosures by Paytm or any affiliate of Paytm; or (v) for preventing fraud and money laundering and for enhancement of risk mitigation systems and processes in relation to the activities of One97 or of any affiliate of One97; or (vi) One97 retaining any and all information relating to you till such time as may be required under applicable laws or internal policies. At times One97 or its affiliates may make certain personal information available to affiliates, and, strategic partners that work with Paytm to provide products and services, or that help Paytm market to customers. Personal information will only be shared by Paytm to provide or improve Paytm’s products, services and advertising, and will always be shared in compliance with applicable laws; it will not be shared with non-affiliated third parties for their marketing purposes except as agreed in the Wallet Terms.

        Paytm, amongst others, shares information with companies (including with its affiliates) who provide services such as information processing, extending credit, fulfilling customer orders, delivering products to you, managing and enhancing customer data, providing customer service, assessing your interest in Paytm’s products and services offering any products or services from any Paytm Platform, and conducting customer research or satisfaction surveys. Any such sharing will be in compliance with applicable laws and these companies are obligated to protect your personal information under applicable law.

        It may be necessary − by law, legal process, litigation, and/or requests from public and governmental authorities − for Paytm to disclose your personal information. Paytm may also disclose information about you if Paytm determines that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate.

        Paytm may also disclose information about you if Paytm determines that disclosure is reasonably necessary to enforce the Wallet Terms here or the T&Cs in general or protect Paytm’s operations or users. Additionally, in the event of a reorganization, transfer, merger, or sale of all or any portion of Paytm’s business or products or services offered through any Paytm Platform to any persons (including any affiliates), Paytm may transfer any and all personal information that Paytm collects to the relevant transferee or enter into contractual agreements to share such information with such transferees, and transfer any contractual rights or benefits to such transferees., Paytm may transfer any and all personal information that Paytm collects to the relevant transferee or enter into contractual agreements to share such information with such third party transferee.

        For the purposes of the Wallet Terms here and the T&Cs in general, the term “affiliates” means and includes: (a) any company which is the holding company (as defined in the Companies Act, 2013), subsidiary company (as defined in the Companies Act, 2013) or associate company (as defined in the Companies Act, 2013) of One97; or (b) a person under the control of or under common control with One97; or (c) any company, who is an associate company (as defined in the Companies Act, 2013) of the first company, or if more than 50% of the share capital of such company (calculated on a fully diluted basis) is held by the same shareholders who own more than 50% of the share capital of One97 Communications Limited (calculated on a fully diluted basis).

        For the purpose of this definition of an “affiliate”, “control” together with its grammatical variations when used with respect to any person (including Paytm), means the power to direct the management and policies of such person, directly or indirectly, whether through the ownership of the voting securities, by contract or otherwise howsoever; and a “person” means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

        Paytm’s privacy policy applies to use of the Paytm Platform, and its terms are made a part of these T&Cs by this reference. Additionally, by using the Paytm Platform, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Paytm Platform may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, credit card information) is encrypted.

      1. Intellectual Property Rights

      • Paytm, or its licensors, own all right, title and interest, including, but not limited to all copyright, trademark, patent, trade secret or other proprietary rights (hereinafter IP Rights), in and to the Paytm Platform, Paytm Services, Paytm Wallet or usage data. You shall not reproduce, distribute, transmit, modify, create derivative works, display, perform or otherwise use the Paytm Platform, Paytm Services or Paytm Wallet or any of the IP Rights, or attempt to reverse engineer, decompile, disassemble, or derive the source code for the Paytm Platform or Paytm Wallet or use the Paytm Platform or Paytm Wallet to create a competing product. The “Paytm” brand is owned by Paytm. Unauthorized use of “Paytm” as a word, trademark, symbol, device mark or word mark, is strictly prohibited. All rights are expressly reserved by Paytm to use the brand of “Paytm” in all its forms and variations.
      1. Disclaimer; No Warranties

      • Paytm gives no warranty, express or implied, with respect to the Paytm Platform and Paytm Wallet. To the fullest extent permissible pursuant to applicable law, Paytm and its third-party partners, licensors and suppliers disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. Paytm provides the Paytm Platform and the Paytm Wallet and any other technology and services on the Paytm Platform are on an “as is”, “where is”, “with all faults” basis.

        No advice or information, whether oral or written, obtained by you from Paytm or through the Paytm Wallet or the Paytm Platform will create any warranty or guarantee other than those expressly stated herein. For the purposes of this Disclaimer, you expressly acknowledge that as used in this section, the term “Paytm” includes Paytm’s officers, directors, employees, shareholders, agents, licensors, subcontractors and affiliates. You expressly agree that use of the Paytm Wallet on the Paytm Platform is at your sole risk. It is your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the Paytm Platform or on the Internet generally.

        The Paytm Wallet and the Paytm Platform and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the services and the site are provided on an “as is” and “as available,” “with all faults” basis and without warranties or representations of any kind either express or implied. Paytm, and its third party suppliers, licensors, and partners do not warrant that the data, Paytm software, functions, or any other information offered on or through the Paytm Services/Paytm Platform or any reference sites/platforms/apps/services will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected.

        Paytm and its third party suppliers, licensors, and partners do not warrant or make any representations regarding the use or the results of the use of the Paytm Services/Paytm Platform or any reference sites/platforms/apps/services in terms of correctness, accuracy, reliability, or otherwise. You understand and agree that you use, access, download, or otherwise obtain information, materials, or data through the Paytm Services/Paytm Platform or any reference sites/platforms/apps/services at your own discretion and risk and that you will be solely responsible for any damage to your property (including your computer system and mobile device or any other equipment) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and you should not rely on any such statement.

        This section shall survive termination of the Wallet Terms, the T&Cs or the Agreement. In no event will Paytm be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the Paytm Platform.

      1. Waiver and Release

      • The failure of Paytm to exercise or enforce any right or provision of the Wallet Terms or of the T&Cs or this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of the Wallet Terms or of the T&Cs or this Agreement will be effective only if in writing and signed by Paytm. To the maximum extent permitted by law, you waive, release, discharge and hold harmless Paytm, its affiliates, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Paytm Platform or Paytm Wallet.
      1. Consent to Electronic Communications and Transactions

      • By registering to use the Paytm Wallet, you consent to conduct Transactions and receive communications, notices and information from us electronically, whether sent by e-mail or other electronic means. Electronic communications shall be deemed to have been received by you when Paytm sends an electronic communication to your e-mail address/mobile number as per our records, or when Paytm posts an electronic communication on the Paytm Platform. The pre-requisites for effective electronic Transactions and communications are as follows: (a) you must have access to the Internet through a broadband connection or mobile data or through any other applications; and (b) you must have a valid e-mail address and mobile number. You can withdraw your consent for electronic communication at any time by contacting Paytm, but Paytm reserves the right to terminate your Basic Account or Prime Account, as the case may be, upon such withdrawal. Withdrawal of your consent for electronic communication will not affect the legal validity and enforceability of any notice, statement or disclosure previously received electronically. You agree to notify Paytm promptly if your email address, mobile number or other contact information changes by updating your account information or contacting Paytm.
      1. Limitation of Liability

      • In no event, Paytm or its contractors, agents, licensors, partners or suppliers will be liable to you for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Paytm Wallet, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm Wallet, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service, even if Paytm or a Paytm authorized representative has been advised of the possibility of such damages. In no event, Paytm or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers will be liable to you for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Paytm Wallet, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm Wallet, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service; or (v) any other interactions with Paytm, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by you, if any, for using the portion of the Paytm Wallet or the Paytm Platform giving rise to the cause of action, or beyond or in excess Rs. 1,000, whichever is less. You acknowledge and agree that Paytm has offered its products and services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between you and Paytm, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and Paytm. Paytm would not be able to provide the services to you on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to you subject to applicable law. In such cases, Paytm’s liability will be limited to the fullest extent permitted by applicable law. This section of the Wallet Terms shall survive the termination of this Agreement.
      1. Dispute Resolution

      • If any dispute, controversy or claim arises under this Agreement or in relation to a Paytm Wallet or the Paytm Platform, including any question regarding the existence, validity or termination of the Wallet Terms or the T&Cs in general or this Agreement (hereinafter Dispute), the parties shall use all reasonable endeavours to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Paytm may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be New Delhi and the language of this arbitration shall be English. Either you or Paytm may seek any interim or preliminary relief from a court of competent jurisdiction in New Delhi necessary to protect the rights or the property belonging to you or Paytm (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither you nor Paytm may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between you and Paytm. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.
      1. Governing Law and Forum for Disputes

      • Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against Paytm must be resolved by a court having jurisdiction in New Delhi, India. You agree to submit to the personal jurisdiction of the courts located within New Delhi, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.
      1. Severability

      • If any provision of the Wallet Terms or the T&Cs in general or the Agreement as a whole is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from the Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.
      1. Grievance Officer

        • The Customer has the right to register his complaint if he is not satisfied with the Paytm Wallet service or finds attitudinal deficiencies when dealing with agents/ staff or finds system errors or sees gaps between standards of service promised and actual service rendered by Paytm. This mechanism is exclusively dedicated for customer complaint redressal.
      • Process for acknowledgement of grievances and redressal of complaints:

        • There shall be a CSD;

        • The CSD will acknowledge the grievance immediately on the receipt of complaint and initiate action to have the grievance resolved within a maximum period of 3 weeks on extraordinary cases with auto reply in either cases;

        • The Customer will also be kept informed of the action taken, the progress while redressing grievances and about the reasons for delay if any, in redressing the complaint;

        • Complaints received by e-mail shall be acknowledged by an immediate system-generated response or via individual e-mails to the extent possible;

        • The conclusion of the CSD or follow up action taken in respect of such complaints shall be advised to customers by e-mail.

      Bill Payments and Digital Products Terms & Conditions

      Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the Paytm website located at paytm.com, and all associated sites linked to paytm.com, or the Paytm mobile application or any similar platform (hereinafter collectively, the Paytm Platform) run by One97 Communications Limited, having its registered office at First Floor Devika Tower, Nehru Place New Delhi – 110019 and headquartered at B-121, Sector-5, Noida – 201301 and/or any of its affiliates (hereinafter collectively, One97 or Paytm) on any device and/or before availing any travel, recharge or bill payment or digital products related services offered by Paytm on the Paytm Platform (hereinafter, individually Paytm Digital Service and collectively, the Paytm Digital Services).

      Eligibility

      The Paytm Digital Services are not available to persons under the age of 18 or to anyone previously suspended or removed by Paytm from availing the Paytm Digital Services or accessing the Paytm Platform. By accepting the T&Cs or by otherwise using the Paytm Digital Services on the Paytm Platform, you represent that you are at least 18 years of age and have not been previously suspended or removed by Paytm, or disqualified for any other reason, from availing the Paytm Bill Payment and Digital Goods Services or using the Paytm Platform. In addition, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, you shall not impersonate any person or entity, or falsely state or otherwise misrepresent your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, Paytm reserves the right to suspend or permanently prevent you from availing Paytm Digital Services or using the Paytm Platform.

      Digital Services

      Paytm facilitates the payment of certain bills through the Paytm Platform with respect to certain services offered by Paytm business partners who have partnered with Paytm to enable their bills to be paid through the Paytm Platform. Please see the relevant links on the Paytm Platform for more information on Paytm’s bill payment service. Further, Paytm also offers certain digital products which facilitate the purchase of prepaid recharges for mobile, DTH, toll and data card as well as purchase of movie tickets, bus tickets, hotel reservations, flight tickets and purchase of tickets to amusement or theme parks, etc. Other digital products available on the Paytm Platform also include coupon redemption services. The terms and conditions in relation to bill payments and digital products are set out below. The terms and conditions in relation to bill payments and digital products set out below are applicable to and binding on you in conjunction with the SSOID terms and conditions already accepted by you. Each SSOID term or condition is applicable to and binding on you, or any of your activities on the Paytm Platform, even if such term or condition is not specifically reproduced herein below. The terms ‘Agreement’ or ‘T&Cs’ mentioned herein below includes the terms and conditions in relation to bill payments and digital products set out below and the SSOID terms and conditions as well as other service-specific terms and conditions in relation to Paytm Services or Paytm Platform.

      Paytm Recharges

      Paytm is only a reseller of digital products. Paytm does not provide mobile operator services and is only a reseller of prepaid mobile recharge services which are ultimately provided by telecommunications service providers (hereafter Telco or Telcos) or by other distributors or aggregators of such Telcos. Paytm is not a warrantor, insurer, or guarantor of the services to be provided by the Telcos. Prepaid mobile recharge sold by Paytm to you is sold without recourse against Paytm for any breach of contract by the Telcos. Any disputes regarding the quality, minutes provided, cost, expiration, or other terms of the mobile prepaid recharge purchased must be handled directly between you (or the recipient of the recharge) and the Telco. The terms and conditions set out in this section are applicable, mutatis mutandis, to other prepaid recharge products available on the Paytm Platform including prepaid recharges in relation to DTH, data card and toll tags as well as to other prepaid recharge products that may be offered on the Paytm Platform. Paytm will not be responsible for any failure on the part of any of its recharge partners in effecting a recharge.

      Refund Policy

      All sales of prepaid recharge on the Paytm Platform are final with no refund or exchange permitted. You are responsible for the mobile number or DTH account number for which you purchase the prepaid recharge and all charges that result from those purchases. You are also responsible for the information relating to data card and toll-tag recharge and all charges that result from those purchases. Paytm is not responsible for any purchase of prepaid recharge for an incorrect mobile number or DTH account number or incorrect toll or data card information. However, if in a transaction performed by you on the Paytm Platform, money has been charged to your card or bank account and a recharge is not delivered within 24 hours of the completion of the transaction, then you shall inform us by sending an e mail to our customer services e mail address mentioned on the ‘Contact Us’ page on the Paytm Platform. Please include in the e-mail the following details – the mobile number (or DTH account number or data card or toll-tag information), operator name, recharge value, transaction date and order number. Paytm will investigate the incident and, if it is found that money was indeed charged to your card or bank account without delivery of the recharge, then you will be refunded the money within 21 working days from the date of receipt of your e mail. All refunds will be credited to your semi- closed wallet. You can trigger a request in your Paytm wallet to transfer the money from your Paytm wallet back to source. It will take 3-21 working days for the money to show in your bank account depending on your bank’s policy.

      Bill Payments

      In order to use the bill payments service or any other Paytm Service, you will need to obtain access to the World Wide Web or the Internet, either on a computer or on any other device that can access web-based content, and you will also need to pay any service fees associated with such access. In addition, you must have all equipment necessary to make such connection to the World Wide Web or the Internet, including a computer and a modem or any other set of access devices. Paytm and/or the Paytm business partner (including Paytm’s bill payment partners) reserve the right to charge and recover from you, such fees for availing the service as the case may be. These charges shall be effective from the time when they are posted on the Paytm Platform or on the Paytm business partner’s channel/portal/website through which you are availing the specific service. You are bound by such revisions and should therefore visit the Paytm Platform or check with the Paytm business partner’s channel/portal/website through which you are availing the specific service in order to review the applicable fees which may vary from time to time. In the event that you stop or seek a reversal of the payment instructions as may have been submitted, Paytm shall be entitled to charge and recover from you and you shall be liable to pay such charges to the bill payment service provider as may be decided by Paytm. These charges shall be charged on to your designated payment account or in any other manner as may be decided by Paytm. Paytm offers a convenient and secure way to make payments towards identified biller(s) using a valid payment account. Depending upon the Paytm business partner through whom the specific service is availed by you (i) the specific features of the service may differ; (ii) the number of billers available over the service may differ; (iii) the type and range of payment accounts that can be used to issue a payment instructions may differ; (iv) the modes/devices over which the service can be accessed may differ; and (v) the charges, fees for availing the service or any aspect of the service may differ. Specific details related to these aspects would be available with the Paytm business partner on their channel/portal/website over which the service is being availed. From time to time, Paytm, at its sole discretion, can add to or delete from such list of billers or types of payment accounts that can be used in respect of making payments to a biller. The type and range of payment accounts that can be used for making payments may differ for each biller depending on biller specifications. There may be additional fees/charge when using certain types of payment accounts in respect of a biller. The terms upon which a payment can be made to a biller can differ depending on whether a card or a bank account is used to issue the payment instruction. Further, depending on the specific facilities allowed by a Paytm business partner, payments to a biller can be made either (a) by issuing a payment instruction for an online debit/charge to a payment account or (b) by scheduling an automated debit to a payment account. In using the bill payment service, you agree to:

      • provide true, accurate, current and complete information about yourself (“Registration Data”), your payment account details (“Payment Data”), your biller details (“Biller Data”); and

      • maintain and promptly update the Registration Data, Payment Data and Biller Data to keep it true, accurate, current and complete at all times. If you provide any information that is untrue, inaccurate, not current or incomplete, or Paytm has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Paytm has the right to suspend or terminate your account and refuse any and all current or future use of the Paytm Services/Paytm Platform (or any portion thereof). The term biller includes telecom operators.

      Paytm assumes no responsibility and shall incur no liability if it is unable to affect any payment instruction(s) on the payment date owing to any one or more of the following circumstances:

      • If the payment instruction(s) issued by you is/are incomplete, inaccurate, invalid and delayed;

      • If the payment account has insufficient funds/limits to cover for the amount as mentioned in the payment instruction(s);

      • If the funds available in the payment account are under any encumbrance or charge;

      • If your bank or the National Clearing Centre refuses or delays honouring the payment instruction(s);

      • If payment is not processed by biller upon receipt;

      • Circumstances beyond the control of Paytm (including, but not limited to, fire, flood, natural disasters, bank strikes, power failure, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).

      In case the bill payment is not effected for any reason, you will be intimated about the failed payment by an e-mail.

      Bus Tickets

      • Paytm is only a bus ticket agent. It does not operate buses or offers bus transport services. In order to provide a comprehensive choice of bus operators, departure times and prices to customers, Paytm has tied up with many bus operators and service providers.

      • Paytm’s advice to customers is to choose the bus operators who they are aware of and whose service they are comfortable with.

      • Paytm’s responsibilities include:

        • issuing a valid ticket (a ticket that will be accepted by the bus operator) for its network of bus operators;

        • providing refund and support in the event of cancellation; and

        • providing customer support and information in case of any delays/inconvenience.

        Paytm’s responsibilities do not include:

        • The bus operator’s bus not departing/reaching on time;

        • The bus operator’s employees being unprofessional or engaging in unlawful conduct;

        • The bus operator’s bus seats, etc., not being up to the customer’s expectation;

        • The bus operator cancelling the trip due to any reason;

        • The baggage of the customer getting lost/stolen/damaged;

        • The bus operator changing a customer’s seat at the last minute to accommodate any of the following passengers: senior citizens, children, pregnant women, persons with disability or any other person in a situation of emergency;

        • The customer waiting at the wrong boarding point (please call the bus operator to find out the exact boarding point if you are not a regular traveller on that particular bus or route);

        • The bus operator changing the boarding point and/or using a pick-up vehicle at the boarding point to take customers to the bus departure point.

      • The arrival and departure times mentioned on the ticket are only tentative timings. However, the bus will not leave the source before the time that is mentioned on the ticket.

      • Passengers are required to furnish the following at the time of boarding the bus:

        • A copy of the ticket (a printout of the ticket or the printout of the ticket e mail).

        • Identity proof (Aadhaar Card, Driving license, Student ID card, Company ID card, Passport, PAN card or Voter ID card). Failing to do so, they may not be allowed to board the bus.

      • Passengers must also be aware of the following :

        • Change of bus: In case the bus operator changes the type of bus due to some reason, Paytm will refund the differential amount to the customer upon being intimated by the customers within 24 hours of the journey.

        • Cancellation Policy: Passengers are expected to read the ticket cancellation policy carefully. Tickets will be cancelled as per the cancellation policy linked with the ticket. The transaction charges will not be refunded in the event of ticket cancellation.

        • Refund policy mentioned on the ticket is indicative. The actual cancellation charges are determined by bus operators and bus providers at the actual time of cancellation. Paytm has no role in governing the cancellation charges.

        • Cancellation charges are calculated on the actual fare of the ticket. If any discount coupons are used while purchasing the ticket, the discounted value would be used to calculate the refund amount when a ticket is cancelled.

        • In case a booking confirmation e mail and SMS gets delayed or fails because of technical reasons or as a result of incorrect e mail ID/phone number provided by the user, etc., a ticket will be considered ‘booked’ as long as the ticket shows up on the confirmation page of the Paytm Platform.

        • Amenities on the buses as shown on Paytm have been configured and provided by the bus service provider (bus operator). These amenities will be provided unless there are some exceptions on certain days. Please note that Paytm provides this information in good faith to help passengers to make an informed decision. Provision of video, air conditioning and any such other services mentioned by Paytm’s travel partners in the buses is their own responsibility. Any refunds/claims due to non-functioning or un-availability of these services needs to be settled directly with the bus service provider.

      • Paytm is not responsible for any kind of journey inconvenience, injury or death, caused during the journey or flowing from the journey.

      • For any issues relating to cancellation or refund, the passenger may contact Paytm within 15 days of date of travel, beyond which period request would not be processed.

      • Paytm may call the mobile phone number provided by you while registering with the Paytm Platform, or any updated mobile number subsequently provided by you on the Paytm Platform, or contact you via e-mail, for the purpose of collecting feedback from you regarding your travel bookings, including but not limited to the bus facilities and/or services of the bus operator.

      • Grievances and claims related to the bus journey should be reported to Paytm support team within 10 days of your travel date.

      Movie Tickets

      Paytm is an intermediary within the meaning of the Information Technology Act, 2000 and the rules thereunder and merely facilitates the sale and purchase of movie tickets between the merchant, i.e., the cinema owner, and customer. For the purposes of this section, a merchant shall mean a cinema owner or the person owning inventory of movie tickets that are being sold on the Paytm Platform. Paytm does not at any point of time during any transaction between the customer and the merchant, take the ownership of any of the products/services provided by merchant. Nor does Paytm at any point assert any rights or claims over the products/services offered by the merchant to the customer.

       

      In using the Paytm Platform for purchasing movie tickets, you explicitly agree and acknowledge that:

      • Bookings for the tickets once made by you cannot be cancelled, exchanged or refunded;

      • Your booking confirmation will be sent via an e mail and/or SMS;

      • You or the person collecting the ticket(s) on your behalf need to print and present the e mail ticket at the counter in order to avail a physical ticket from the cinema box office of the merchant at the premises of the cinema hall concerned;

      • To collect the tickets from the cinema box office, it is mandatory for you or the person collecting the ticket(s) on your behalf to present the debit/credit card that has been used to book ticket(s) along with the booking confirmation SMS or e mail print out;

      • The holder of a physical ticket is deemed to be the owner of the ticket(s);

      • A convenience fee per booking in respect of the ticket(s) is levied on all tickets booked by you online. Kindly check once before you make the booking;

      • As per the merchant’s terms and conditions, you need to make the bookings for the tickets in respect of the children above the age of 3 years;

      • As per the merchant’s terms and conditions, in case a physical ticket is lost or misplaced, a duplicate ticket cannot be issued;

      • If the merchant cancels the show, Paytm will not be held responsible for such cancellation. In such cases, Paytm will automatically issue a refund to your Paytm wallet with applicable deductions the amount paid by you for the movie ticket(s) booked on Paytm within 48 hours of the cancellation;

      • If you do not receive a confirmation number (in the form of a confirmation SMS or e mail) after submitting payment information, or if you receive an error message or service interruption after submitting payment information, you should immediately report to the Paytm customer care. Paytm will not be responsible for any losses occurred in the process;

      • Please add movies@paytm.com to your address book to ensure e mail delivery in your inbox. Paytm will not be responsible for any loss caused due to the confirmation e-mail or any other e-mail relating to the ticket booking process not being delivered to your primary inbox;

      • By booking a ticket on the Paytm Platform, you agree and undertake to adhere to and comply with the terms and conditions of respective merchants in respect of all the bookings made by you for the tickets through the Paytm Platform;

      • As per the merchant’s terms and conditions, outside food and beverages are not allowed inside the cinema hall’s premises;

      • We may share your telephone number(s) with our service providers (including the merchants) who we have contracted with to assist us in pursuing our rights or performing our obligations under the user agreements, our policies, or any other agreement we may have with you. These service providers may also contact you using auto-dialled or pre-recorded messages calls and/or SMS or other messages in any other form, only as authorized by us to carry out the purposes we have identified above, and not for their own purposes.

      • By accepting the T&Cs, including the specific terms and conditions in this section, you accept that Paytm may send the alerts to the mobile phone number/e mail provided by you while registering on the Paytm Platform or to any such number replaced and informed by you subsequently;

      • Notwithstanding anything to the contrary contained herein, neither Paytm nor affiliates of Paytm or its officers, directors, employees or merchants or any related party shall have any liability to you or to any third party for any direct, indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to the T&Cs, the Paytm Platform or Paytm Services, even if any of said parties had been advised of, knew of, or should have known of, the possibility of such damages. To the maximum extent permitted by law, Paytm’s maximum aggregate liability to you for any causes whatsoever, and regardless of the form of action (whether liability arises due to negligence or any other tort, breach of contract, violation of statute, misrepresentation or for any other reason), will at all times be limited to Rs. 100. To the maximum extent permitted by law, you waive, release, discharge and hold harmless Paytm or affiliates of Paytm, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the Paytm Platform and/or Paytm Service.

      Theme/Water/Amusement Parks Tickets

      Paytm is an intermediary within the meaning of the Information Technology Act, 2000 and the rules thereunder and merely facilitates the sale and purchase of tickets between the merchant and the customer. For the purposes of this section, merchant shall mean any theme park, water park, amusement park or any other similar establishment for which ticket(s) have been purchased through the Paytm Platform. Paytm does not at any point of time during any transaction between the customer and merchant take the ownership of any of the products/services provided by the merchant. Nor does Paytm at any point asserts any rights or claims over the products/services offered by the merchant to the customer.

      In using the online ticketing service on the Paytm Platform, you explicitly agree and acknowledge the following:

      • Bookings for the tickets once made by you cannot be cancelled, exchanged or refunded;

      • Your booking confirmation will be sent via an e mail and/or SMS. For e-tickets, you need to print and present the e-mail confirmation at the ticket counter in order to avail a physical ticket(s)and/or band(s), as the case may be, from the ticket counter;

      • Paytm will not responsible for any loss, damage or injury sustained by the customer at the theme park/water park/amusement park premises or any other similar establishment for which ticket(s) were purchased through the Paytm Platform;

      • Paytm will not be responsible if certain activities, rides, slides and attractions purported to be offered by the merchant were not functional on any particular day;

      • By purchasing tickets through the Paytm Platform, you warrant and represent that you are in good health and acknowledge the risks that are incumbent while undertaking the activities offered by the merchants;

      • Paytm shall will not be responsible for your health, safety and well-being during or after undertaking the activities offered by the merchant;

      • To collect the tickets from the ticket counter, it is mandatory for you to present to the merchant run ticket counter, the debit/credit card that has been used to book tickets along with the booking confirmation (SMS/e-mail printout). The holder of a physical ticket is deemed to be the owner of the ticket;

      • A convenience fee per booking in respect of the ticket may be levied on the tickets booked by you online. Kindly check once before you make the booking;

      • You need to make bookings for the tickets in respect of children (of certain age or height) as per the merchant terms and conditions;

      • As per the merchant terms and conditions, in case a physical ticket and/or band is lost or misplaced, a duplicate ticket and/or band cannot be issued;

      • If the merchant cancels the activities, Paytm will not be held responsible for the same. In such cases, Paytm will automatically issue a refund to your Paytm wallet with applicable deductions the amount paid by you for the ticket(s) booked on Paytm within 96 hours from the event date;

      • If you do not receive a confirmation number (in the form of a confirmation SMS or e mail) after submitting payment information, or if you receive an error message or service interruption after submitting payment information, you should immediately report to the Paytm customer care. Paytm will not be responsible for any losses occurred in the process;

      • By making a booking of a merchant ticket, you agree and undertake to adhere to and comply with the terms and conditions of respective merchant establishments in respect of all the bookings made by you for the tickets through the Paytm Platform;

      • As per the merchant terms and conditions, outside food and beverages are not allowed inside the premises;

      • Paytm may share your telephone numbers with Paytm’s service providers (such as merchants or owners of ticket counters, etc.) who Paytm has contracted with to assist Paytm in pursuing its rights or performing tis obligations under the user agreement, our policies, or any other agreement Paytm may have with you. These service providers may also contact you using auto-dialled or pre-recorded messages calls and/or SMS or other messages in any other form, only as authorized by Paytm to carry out the purposes identified above, and not for their own purposes;

      • By accepting the T&Cs, including the specific terms and conditions in this section, you accept that Paytm may send the alerts to the mobile phone number/email provided by you while registering for the Paytm Platform or to any such number replaced and informed by you subsequently;

      • Notwithstanding anything to the contrary contained herein, neither Paytm nor its affiliates of Paytm, its officers, directors, employees or merchants or any related party shall have any liability to you or to any third party for any direct, indirect, incidental, special or consequential damages or any loss of revenue or profits arising under or relating to these terms, the Paytm Platform or the Paytm Services, even if any of said parties had been advised of, knew of, or should have known of the possibility of such damages. To the maximum extent permitted by law, Paytm’s maximum aggregate liability to you for any causes whatsoever, and regardless of the form of action (whether liability arises due to negligence or any other tort, breach of contract, violation of statute, misrepresentation or for any other reason), will at all times be limited to Rs. 100. To the maximum extent permitted by law, you waive, release, discharge and hold harmless Paytm or affiliates of Paytm, , and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses and causes of action arising out of your use of the online platform;

      Coupon Redemption

      In addition to the T&Cs, coupon redemption is subject to standard and specified terms and conditions mentioned by respective retailers. Coupons are issued on behalf of respective retailers. Hence, any damages, injuries, losses incurred by the you as a result of using the coupon is not the responsibility of Paytm and its affiliates, and each of their directors, officers, employees, and agents. Total cashback for a user cannot be more than 50% of his payments or Rs 10,000, whichever is higher. This term supersedes any offer related to any other Paytm Service.

      Paytm Marketplace – Travel

      You hereby acknowledge and agree that Paytm merely provides online marketplace services through its Paytm Platform (including but not limited to its website www.paytm.com or app) in order to facilitate listings/bookings by aggregators directly and/or through its Merchants (including but not limited to flight, hotel and car hire booking and price comparisons). The travel booking related services are also called the Marketplace Terms are an integral part of the Agreement and the T&Cs. You can make these bookings subject to the respective aggregator’s terms and conditions. Most hotels have a policy that do not allow unmarried couples to check in. For more information, Paytm requests you to contact the hotel in order to get further clarifications and confirmation or the same can be confirmed on their websites as well. You are requested to please go through the Merchant/vendor provided terms and conditions before making any bookings for hotels, flights, car rental, etc., through the Paytm Platform. Some such Merchant/vendor provided terms and conditions may be found on the following links:

      If a link to the Merchant/vendor specific terms and conditions is not provided here then you are expected to find them on their websites or procure them from the vendors/Merchants directly through any other means. Paytm is not responsible for your inability to access such terms and conditions or for any loss resulting from such terms and conditions or lack thereof.

      You agree and acknowledge that the actual contract for sale is directly between you and the Merchant/vendor. Paytm provides these services to you which are informational in nature. Paytm is not a travel or booking agent or a last mile service provider to you and, therefore, Paytm shall not be deemed to be liable for any fault in the content/booking/listing services provided by aggregator or the Merchant/vendor. Paytm is also not responsible for setting or controlling the prices applicable to such searches and bookings through the Paytm Platform. All such listings/bookings are provided by the aggregator directly and/or through its Merchants/vendors and are subject to the terms and conditions imposed by the concerned aggregator or the Merchant/vendor. Paytm does not control or prevent changes in the published details and descriptions of websites/apps operated by the aggregator or the Merchant/vendor and is not responsible for any content therein. Paytm has no control over the existence, quality, safety or legality of items displayed; the accuracy of the aggregator’s content or listings; the ability of the aggregator and Merchant/vendor to sell items or provide services. Paytm does not at any point of time during any transaction between you and aggregator/Merchant/vendor, take the ownership of any of the listing, bookings offered by the aggregator/Merchant/vendor. Nor does Paytm at any point asserts any rights or claims over the same offered by the aggregator/Merchant/vendor to you. In using the online marketplace service, you explicitly agree and acknowledge that:

      1. Paytm, through the Paytm Platform makes available, content/listings/bookings offered by the aggregators either directly and/or through its Merchants/vendors. Availing such bookings/listings will be subject to the terms of offer for sale and such other additional terms, if any, as specified by such aggregator.

      2. Paytm is not a warrantor of the content/listings/bookings being offered on Paytm by various aggregators or Merchant/vendors. You understand that any issue or disputes regarding the warranty, guarantee, quality, and service will be addressed as per the terms and conditions of the aggregator or the Merchant/vendors, and you agree to handle such issues and disputes directly between you and the aggregator or Merchant/vendor. You acknowledge that Paytm gives no guarantee, either express or implied, regarding the use or availability of online marketplace service or bookings made by you through online marketplace.

      3. Paytm, may at its discretion, offer marketing promotion benefits by way of gift coupons, cash back, free gifts, etc., on all or some of the products or services from time to time. Paytm is not liable for any defect or fault in listings/bookings, content the product or deficiency in service of the aggregator or Merchant/vendor purchased through the Paytm Platform. Paytm is not responsible for any warranty, guarantee, post sale claims, genuineness of listings/bookings, content, products and services as Paytm is just a platform that facilitates booking through the aggregator or Merchant/vendor. Paytm will not be liable for any claims including but not limited to any misrepresentation by the aggregator or the Merchant/vendor in its content/listings/bookings.

      4. The Paytm Platform makes available general Third Party Content. Third Party Content would also be available to you on the e-mail received by you from Paytm. Paytm will not be responsible for infringement of any third party’s intellectual property rights and rights of privacy in such cases. The provision of Third Party Content is for general informational purposes only. You acknowledge that the Third Party Content provided to you is obtained from sources believed to be reliable. Paytm does not provide any guarantee with respect to any the Third Party Content and Paytm shall not be held liable for any loss suffered by you based on its reliance on/or use of such Third Party Content. You should contact such third party site/app for their terms and conditions, privacy policy, complaints and clarification governing various features and offers or the products and services offered by them.

      5. Please check visa and passport requirements needed for your travel itinerary. Paytm is not liable for issues related to visa and incorrect passport info or any issues arising under the laws of India or of any other country.

      6. Cancellation/refund: The cancellation/refund in respect of the bookings and charges, if any, will also be governed as per the terms and conditions of the aggregator or of the Merchant/vendor. Paytm has no role in governing refund/cancellation charges. Paytm, being an online marketplace services provider, will not be responsible for refund/cancellation including any charges arising therefrom. The aggregator or the merchant/vendor is solely responsible for the content/listings/bookings made available by it through the Paytm Platform and you should contact the respective aggregator or Merchant/vendor directly in relation to the above mentioned queries.

      7. Use of Information: Paytm may share your telephone/mobile numbers or e-mail addresses with our service providers (such as billing or collections companies) who we have contracted with to assist Paytm in pursuing our rights or performing our obligations under the user agreement, our policies, or any other agreement we may have with you. These service providers may also contact you using auto-dialed or pre-recorded message calls and/or SMS or other messages in any other form, only as authorized by us to carry out the purposes we have identified above, and not for their own purposes. By accepting T&Cs in general including the SSOID terms and the Marketplace Terms, you accept that Paytm may send alerts to the mobile phone number/ e-mail address provided by you while registering for the Paytm Service/Paytm Platform or to any such number/e-mail address replaced and informed by you subsequently.

      8. Limitation of liability and waiver: In no event, Paytm or the aggregators or its Merchants/vendors, sellers, contractors, agents, licensors, partners or suppliers will be liable to you for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (i) this Agreement, including these T&Cs and Marketplace Terms; (ii) the SSOID Agreement; (iii) the Paytm Services, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm Services, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service, even if Paytm or a Paytm authorized representative has been advised of the possibility of such damages. In no event, Paytm or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers will be liable to you for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement, including these T&Cs and the Marketplace Terms; (ii) the SSOID Agreement; (iii) the Paytm Services, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm services, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service; or (v) any other interactions with Paytm, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by you, if any, for using the portion of the Paytm Service or the Paytm Platform giving rise to the cause of action, or beyond or in excess Rs, 1,000, whichever is less. You acknowledge and agree that Paytm has offered its products and services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between you and Paytm, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and Paytm. Paytm would not be able to provide the services to you on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to you subject to applicable law. In such cases, Paytm’s liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive the termination of this Agreement, including these T&Cs, SSOID terms and the Marketplace Terms.

      9. Dispute Resolutions: If any dispute, controversy or claim arises under this Agreement or in relation to any Paytm Service or the Paytm Platform, including any question regarding the existence, validity or termination of this Agreement or these T&Cs or these Marketplace Terms (hereinafter Dispute), the parties shall use all reasonable endeavours to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Paytm may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be New Delhi and the language of this arbitration shall be English. Either you or Paytm may seek any interim or preliminary relief from a court of competent jurisdiction in New Delhi necessary to protect the rights or the property belonging to you or Paytm (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither you nor Paytm may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between you and Paytm. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement, the T&Cs or the Marketplace Terms.

      10. Jurisdiction: Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against Paytm must be resolved by a court having jurisdiction in New Delhi, India. You agree to submit to the personal jurisdiction of the courts located within New Delhi, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.

      11. Grievance Office: If you are not satisfied with Paytm service, please write to the following address: Grievance Officer, One97 Communications Ltd., B121, Sector 5 Noida – 201301 Or https://paytm.com/care?utm_source=grievance_email to escalate an existing ticket to Grievance Officer.

      MMTC – PAMP Terms and Conditions

      These “terms” and “Conditions of Use” (“Terms”) constitute an electronic record within the meaning of the applicable laws. This electronic record is generated by a computer system and does not require any physical or digital signatures. These Terms shall be in addition to and not in derogation to any other terms as stipulated from time to time. By using this facility on the Paytm Platform, you are agreeing to and accept these Terms.

      1. In these Terms, references to “you”, or “Customer” shall mean the counterparty who transacts using the Paytm “Platform”, being a natural person, buying Gold, redeeming Gold in the form of redeemable products, selling back Gold to MMTC-PAMP . “Platform” shall mean, and include, the platforms (website, mobile apps, others) of One97 Communications, that the Customer accesses for the transactions, including all contents, services and technology offered through the Platform. “Service Providers” mean independent third party service providers, and references to the “Seller”, “MMTC-PAMP”, “we”, “us” and “our” shall mean MMTC-PAMP India Private Limited. . “Transfer” refers to a facility to transfer Gold from a gold account to gold account of another Customer(s).

      2. We reserve the right to change these Terms at any time. Such changes will be effective when posted on the Platform and shall be deemed to be notified to the Customer accordingly. Notwithstanding anything contrary, Customer shall be responsible for regularly reviewing the Terms, including amendments thereto as may be posted on the Platform and shall be deemed to have accepted the amended Terms by continuing the use of Platform.

      3. MMTC-PAMP shall be entitled to collect and store relevant information and documents provided by the Customer to the Platform for KYC purposes,For cumulative lifetime purchases of Rs. 50,000/- and above and subsequently from time to time. Further, as and when required by MMTC-PAMP / One97, the Customer will be required to provide additional documents for fulfilling the KYC requirements. You authorize MMTC-PAMP and One97 to make such enquiries as they may feel necessary to satisfy themselves about the validity of your identity. You undertake to update us and One97 in case of change of your existing information or verification documents provided by you.

      4. You shall be responsible for the correctness of information to MMTC-PAMP / One97 from time to time. If you have reasons to believe that there is an error in the information furnished to MMTC-PAMP / One97 you shall immediately advice the MMTC-PAMP / One 97 in writing and forthwith provide correct / updated information.

      5. We reserve the right to terminate any Gold account, with or without notice to you, in the event the KYC documents / information are found to be incorrect or authenticity of the documents / information is found to be doubtful. You hereby undertake to indemnify and keep indemnified MMTC-PAMP and One97 against any and all losses, claims, liabilities costs etc. which arise out of or relating to your failure to identify yourself and validate your account promptly and / or due to incorrect KYC documents / information.

      6. You can offer to buy Gold worth Rs. 1.00 (Rupee One Only) and above incremental value thereof at the live purchase price of Gold of 999.9 purity displayed on the Platform.

      7. Payment will be accepted only through your Paytm wallet or other payment options made available on the Platform. At the time of purchase / redemption / sale-back / transfer of Gold, the relevant taxes will be chargeable as applicable as per the Government regulations.

      8. At the time of redemption, the Customer can select redeemable product for redemption from catalogue of redeemable products. These redeemable products will be hosted on the Platform. The list of redeemable products may be altered, changed and amended by MMTC-PAMP from time to time at its sole discretion.

      9. At the time of redemption in physical deliverable product form, the Customer will pay additional manufacturing and delivery charges and applicable taxes on the same. The redeemable product selected from the catalogue for delivery shall be subject to availability of stock with the MMTC-PAMP.

      10. For each confirmed purchase of Gold by the Customer , MMTC-PAMP India will be the custodian of the metal, till (a)) sell-back by the Customer, (b) redemption by the Customer, or (c) expiry of Custody Period,. For the purpose of this clause, ‘Custody Period’ shall mean a period of 5 years from each separate purchase f Gold by the Customer. The Gold purchased by you or transferred to your Gold account will be allocated and stored in a highly advanced and secured vault of MMTC-PAMP, with full insurance cover. If you redeem your gold after the Custody Period, additional charges will be levied.

      11. The Customer will have the option of redeeming and asking for physical delivery of the full or part of the accumulated gold holding, in the form of redeemable products starting from 1 (One) gm and above. The residual fractional gold remaining, upon redemption / Transfer by you of the entire gold holding, can be sold back by you to us at the live sell-back price of gold of 999.9 purity and the corresponding amount against the residual fractional gold sold by you will be credited in your Paytm wallet instantly.

      12. The Customer cannot buy and redeem Gold on the same day.

      13. You need to pay the applicable making and delivery charges from your Paytm wallet or other payment instruments made available on the Platform in order to redeem the redeemable product of your choice.

      14. Once the redemption has been initiated by you and payment received then your gold grams will be debited accordingly from your Gold account.

      15. MMTC-PAMP may also, from time to time in future, offer/permit the Customer to sell-back its gold in fraction to MMTC-PAMP at prevailing live sell-back price of gold of 999.9 purity, during the offer period as may be announced / permitted by MMTC-PAMP. The money against the fractional gold sold by a Customer would be credited to the customer.

      16. Live purchase price of Gold will be displayed on the Platform and is subject to change from time to time. At the time you make request for redemption / sell-back, the value of Gold / quantity of Gold to be redeemed / sold back will be displayed based on live sell-back price of Gold. The live purchase price of Gold and live sell-back price of Gold may vary and also may be be different from that available in the open market and/or in any other retail outlet. Your offer may be rejected irrespective of whether an item has been earmarked/wish listed by a Customer. In such an event if you still wish to offer to purchase Gold or sell-back residual fractional Gold, you may make another offer at the changed price. MMTC-PAMP disclaims any and all claims and/or liabilities arising from such non acceptance of offer or revision in prices.

      17. While availing any of the payment method/s available on the Platform, MMTC-PAMP will not be responsible or assume any liability, whatsoever in respect of any loss or damage arising directly or indirectly to the Customer due to:

      1. Lack of authorization for any transaction/s,
      2. Exceeding the preset limit mutually agreed by and between the Customer and relevant banks of the Customer,
      3. Any payment issues arising out of the transaction,
      4. Illegitimacy of the payment methods (credit/debit card frauds etc.) being used by a Customer;
      5. Temporarily discontinuation of invitation to offer; and / or
      6. Decline of transaction for any reason(s) whatsoever.

      18. MMTC-PAMP may, at its discretion, prescribe maximum individual/cumulative limits for Customers to accumulate gold or transfer Gold through this scheme from time to time, and reserves the right to refuse to accept order exceeding such limit.

      119. At any point of time on any day MMTC-PAMP may temporarily discontinue the invitation to offer for any reason whatsoever.

      20. MMTC-PAMP will, at its discretion, close down gold account of Customers, if (a) they are inactive accounts,(for six months) (b) their Custody Period has expired and / or (c) if MMTC-PAMP decides to discontinue the scheme. In such an event, Customers will be required to redeem and / or sell-back their gold holdings. In the event the Customer chooses not to respond, then (i) in case of expiry of Custody Period, MMTC-PAMP reserves the right to repurchase the gold holding of the Customer at the then prevalent live sell-back price, after deducting applicable charges and taxes, (ii) in case of Inactive GAP account, MMTC-PAMP reserves the right to repurchase the gold holding of the Customer, on the expiry of Custody Period, at the then prevalent live sell-back price, (iii) in case of discontinuation of scheme by MMTC-PAMP, MMTC-PAMP reserves the right to repurchase the gold holding of the Customer, on the expiry of Custody Period, at the then prevalent live sell-back price For the purpose of this Clause ‘Inactive Account’ shall mean an account in which there has not been any transaction for a period of 6 (six) months or more.

      21. All the proceedings of such forced buy back by MMTC- PAMP shall be kept in a dedicated GAP account and Customer or its successors can claim it after providing sufficient proofs (Id, relationship etc)

      22. The Customer will not be entitled to make an offer if the zip code of delivery address is outside serviceable areas. At time of redemption the Customer will be required to provide full delivery address.

      23. All redeemable products selected for delivery by Customer for redemption, shall be delivered within India as per instructions of the Customer through our logistics partners. All deliveries where applicable shall be made on a best efforts basis, and while MMTC-PAMP will endeavor to deliver the Products on the dates intimated, the MMTC-PAMP disclaims any claims or liabilities arising from any delay in this regard.

      24. The logistics partner of MMTC-PAMP will make a maximum of three attempts to deliver your order. After three attempts gold coin will be delivered back to MMTC-PAMP and customer will need to put the fresh request for the redemption .

      25. MMTC-PAMP shall not be liable / responsible, in any manner whatsoever, for any loss / liability arising out of or relating to any technical failure / issue in Platform and / or acts / omission not attributable to MMTC-PAMP.

      26. Upon MMTC-PAMP confirming the purchase. redemption, sale-back of Gold in his / her Gold account by Customer, the order / request of Customer to purchase / redemption / sale-back / transfer, as the case may be, shall be binding on the Customer and cannot be cancelled.

      27. The Customer shall inform immediately, in any case no later than [30] days of the transaction, of any irregularities or discrepancies that may exist in his/her gold account, failing which it shall be deemed that there is no error or discrepancies in the account. All records maintained by MMTC-PAMP, in electronic or documentary form of the instructions of the Customer and such other details (including, but not limited to payments made or received) pursuant to the Terms, shall as against the Customer, be deemed to be conclusive evidence of such instructions.

      28. The Customer understands and acknowledges that any purchase, redemption, sale-back or transfer from / to gold account will be on instructions received by the Customer, and the Customer that you will not violate any applicable laws or regulations for the time being in force in or outside India. The Customer shall be solely responsible for complying with applicable laws in respect of purchase, redemption, , sale-back to and from the gold account including but not limited to the Prevention of Money Laundering Act, 2002, the Prohibitions of Benami Property Transactions Act, 1998, Income Tax Act, 1961 etc including amendment thereof. Customer also agrees and undertakes that he /she will not open any account in the name of any minor. MMTC-PAMP will not be liable in any manner in this regard.

      29. The Customer feedbacks pertaining to products shall be deemed to be non-confidential and non-compensatory in nature. MMTC-PAMP reserves the right, at its sole discretion to use such information and such use shall be entirely unrestricted. The Customer hereby irrevocably authorizes MMTC-PAMP to disclose, exchange, share or part with all the information relating to the Customer’s details and payment history information and all information pertaining to transaction and undertakes not to hold MMTC-PAMP /its affiliates/the other group companies of MMTC-PAMP group and their agents liable for use of the aforesaid information.

      30. In the event of termination / expiry of MMTC-PAMP’s arrangement with One97 / Paytm or otherwise at any point of time, MMTC-PAMP reserves the right to migrate your Gold account to an alternative platform and continue with Gold acount on such alternative platform (as decided by MMTC-PAMP). MMTC-PAMP shall also be entitled to notify the Customer for redemption of the products within the time lines as specified in the notice sent by MMTC-PAMP in this regard.

      31. These Terms shall be governed by and interpreted and construed in accordance with the laws of India. The courts in New Delhi shall have exclusive jurisdiction in respect of any matters arising therefrom.

      32. In the event any dispute arises out of or in connection with the Terms herein, including the validity hereof, the parties hereto shall endeavor to settle such dispute amicably in the first instance. The attempt to bring about an amicable settlement shall be treated as having failed as soon as one of the parties hereto, after reasonable attempts, which shall continue for not less than 15 (Fifteen) calendar days, gives a notice to this effect, to the other party in writing.

      33. Waiver: Any failure or delay by MMTC-PAMP to enforce or exercise any provision of these Terms, or any related right, shall not constitute a waiver by MMTC-PAMP of that provision or right. The exercise of one or more of a MMTC-PAMP’s rights hereunder shall not be a waiver of, or preclude the exercise of, any rights or remedies available to MMTC-PAMP under these Terms or in law or at equity. Any waiver of any provision shall only be effective if made in writing and executed by a duly authorized officer of MMTC-PAMP.

      34. Force Majeure: If performance under these Terms by MMTC-PAMP is prevented, restricted, delayed or interfered with by reason of labor disputes, strikes, acts of God, floods, lightning, severe weather, shortages of materials, rationing, inducement of any virus, Trojan or other disruptive mechanisms, any event of hacking or illegal usage of the Platform, utility or communication failures, earthquakes, war, revolution, acts of terrorism, civil commotion, acts of public enemies, blockade, embargo or any law, order, proclamation, regulation, ordinance, demand or requirement having legal effect of any government or any judicial authority or representative of any such government, or any other act whatsoever, whether similar or dissimilar to those referred to in this clause, which are beyond the reasonable control of the MMTC-PAMP and could not have been prevented by reasonable precautions then the MMTC-PAMP shall in to be excused and discharged from such performance to the extent of and during the period of such force majeure event, and such non-performance shall, in no manner whosoever, amount to a breach by the MMTC-PAMP of its obligations herein.

      35. Absence of relationship: You represent and warrant to MMTC-PAMP that you have sufficient experience and knowledge to make informed decisions to purchase/ redeem/ / sale-back Gold/Redeemable Products. You acknowledge that you are making all of your own decisions in connection with purchases or redemption or sale-back and that you have not relied on any information made available by MMTC-PAMP, and that MMTC-PAMP is not making any recommendation with respect to such purchases/redemption/sale-back/ of Gold/Redeemable Products. No relationship other than seller-purchase, including, without limitation, any agent-principal relationship, any advisor-advisee relationship, any employee-employer relationship, any franchisee-franchisor relationship, any joint venture relationship or any partnership relationship, exists between you and MMTC-PAMP.

      36. Electronic Order Risks: Order entry systems have been designed to provide an efficient and dependable method for entering orders. Commercial internet service providers are not 100% reliable and a failure by one or more of these providers may affect internet-based order entry. You acknowledge that the order entry system is an electronic mechanical system and as such may be subject to failure beyond the control of MMTC-PAMP. Therefore, MMTC-PAMP shall not be responsible for errors, negligence, inability to execute orders, delays in transmission, delivery or execution of order due to breakdown or failure of transmission or communication facilities, or to any other cause beyond MMTC-PAMP’s control or anticipation. You acknowledge that pricing or typographical errors may occur and that therefore, in the event that a product is listed at an incorrect price or with incorrect information due to an error in pricing or product information, MMTC-PAMP reserves the right, at our sole discretion, to refuse or cancel or reject any orders placed for the products. Furthermore, MMTC-PAMP reserves the right to deny refuse or cancel or reject any orders placed in case of market volatility and/ or unusual circumstances or conditions. This includes, without limitation, unexpected unavailability of product/Gold.

      37. Customer responsibility for taxes, tariffs and duties: You acknowledge that you are solely responsible for all taxes, tariffs and duties that may be incurred as a result of purchase/redemption/ of Gold/Redeemable Products. MMTC-PAMP will only collect taxes, tariffs and duties on transactions to the extent explicitly required by law. It is your responsibility to be aware and properly address any taxes, tariffs and duties to which you may be subject by any local, state and/ or federal governments. If you have any questions about taxes, tariffs and duties, you should consult a tax or other professional about your unique circumstances. MMTC-PAMP does not represent to provide advice or recommendations about your specific taxes, tariffs and duties and any statements made by us are only for the purpose of raising issues for you to discuss with your tax or other professional.

      38. Indemnification: Customer hereby agrees to indemnify and keep MMTC-PAMP indemnified from and against all actions, claims, demands, proceedings, losses, damages, personal injury, costs, charges and expenses, directly or indirectly, whatsoever (‘Losses’) which MMTC-PAMP or its employees, agents, workers or representative may at any time incur, sustain, suffer or be put to as a consequence of or by reason of or arising out of: (i) the usage of the Platform by the Customer; (ii) by reason of MMTC-PAMP ‘s acting in good faith and taking or refusing to take or omitting to take action on the Customer’s instructions, and in particular arising directly or indirectly out of the negligence, mistake or misconduct of the Customer; (iii) breach or noncompliance of the Terms and relating to the gold account; and/or (iv) fraud or dishonesty relating to any transaction by the Customer. Without prejudice to the foregoing, MMTC-PAMP shall be under no liability whatsoever to the Customer in respect of any loss or damage arising directly or indirectly out of:

      1. Effecting transaction based on instructions received from Customers,
      2. The instruction of a Customer to transfer Gold from his / her gold account to another gold account,
      3. The exercise by MMTC-PAMP of its right to terminate / exercise the facility/services provided on the Platform,
      4. Any injury to the credit, character and reputation of the Customer due to use of facility/ services on the Platform,
      5. Any misstatement, misrepresentation, error or omission in any details disclosed by MMTC-PAMP if receives any process, summons, order, injunction, execution distrait, levy lien, information or notice which MMTC-PAMP in good faith believes/ calls into question the Customer’s ability, or the ability of someone purporting to be authorised by the Customer, to make the transfer, MMTC-PAMP may, at its option and without liability to the Customer or such other person, decline to allow the Customer to obtain any portion of his gold/ product, or may handover such gold/product over to an appropriate authority and take any other steps required by applicable law.

      39. Disclaimers and limits of liability: MMTC-PAMP does not make any representations, recommendations, projections, warranties or guarantees of any kind, either expressed or implied, as to the performance of its Gold/Redeemable Products with respect to future prices or any return on investment. MMTC-PAMP will not be liable for any Loss or damage caused by reliance on information obtained in any of our newsletters, literature, reports, e-mail correspondence, website, or any other communication from MMTC-PAMP. MMTC-PAMP will not be liable to any Customer (including but not limited to Transferee) for any Losses caused by or relating to transfer/deposit of Gold to gold account of any other Customer. MMTC-PAMP explicitly urges to all its Customers to inspect the package for any damage or tamper before receiving or signing for receipt. If you find any tampering, do not accept the parcel and return the same. MMTC-PAMP will not be liable for any loss or damage caused if the Customer accepts the parcel inspite of it being damaged or tampered. The duty to verify the parcel for any damages or tampering is of the Customer and if the Customer accepts the parcel and later comes to know of any damage or tampering, MMTC-PAMP shall not be liable for any loss or damage to Customer. If such loss is later reported and approved by logistics partner and Insurance Company, the limit of liability shall be restricted to the amount paid by the logistic partner for such loss or damage in transit as per their terms and conditions and the same shall be binding upon the Customer.

      40. You acknowledge that MMTC-PAMP will not be liable to you or any other person as a result of your access or use of Gold/Redeemable Product for indirect, consequential, special, incidental, punitive, or exemplary damages, including, without limitation, lost profits, lost savings and lost revenues (collectively, the “excluded damages”), whether or not characterized in negligence, tort, contract, or other theory of liability, even if MMTC-PAMP has been advised of the possibility of or could have foreseen any of the excluded damages, and irrespective of any failure of an essential purpose of a limited remedy. In no event will MMTC-PAMP or any of its directors, employees, agents’ total liability to you for all damages, losses, liabilities and causes of action under these Terms and the facility/ services provided by MMTC-PAMP collectively exceed total amount paid by you, if any, for access to that particular products or services. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

      Assignment; Restrictions on Information Sharing; Privacy

      This Agreement, including the terms and conditions set out here in relation to Paytm Digital Services and Digital Goods, Paytm Travel and in relation to MMTC-PAMP, and any rights granted hereunder, may not be transferred or assigned by you without Paytm’s prior written consent which may be withheld in Paytm’s sole discretion, but this Agreement, and any rights granted hereunder, may be assigned by Paytm freely (including to its affiliates) and without any restriction. Any assignment attempted to be made by you in violation of this provision shall be void and of no effect.

      By accepting this Agreement and the T&Cs hereunder, you agree to be customers of Paytm (including, each of One97 Communications and its affiliates). In addition, by accepting this Agreement and the T&Cs hereunder, you expressly and impliedly provide your free and unconditional consent for the following: (a) for transferring Paytm’s rights and obligations under this Agreement and the T&Cs in favour of any affiliate or third party; (b) for using the Paytm Platform and availing the Paytm Services by you subject to any specific terms and conditions imposed by any affiliate of Paytm; (c) for receiving communications, notices and information from any One97 or any affiliate of One97; (d) for sharing of business information (including data analytics and any information relating to you or the services being availed by you) between One97 and any affiliate, insofar as such sharing of business information is necessary or required for the following limited purposes: (i) provision of better services to Paytm’s customers (including you); (ii) provision of better services by Paytm’s vendors; (iii) to prevent any breach of a binding agreement between One97 and any affiliate, or to give effect to any such agreement; (iv) for ensuring compliance with the applicable law or legally compelled disclosures by Paytm or by any affiliate of Paytm; or (v) for preventing fraud and money laundering and for enhancement of risk mitigation systems and processes in relation to the activities of One97 or any affiliate; or (vi) One97 retaining any and all information relating to you till such time as may be required under applicable laws or internal policies.

      At times One97 or its affiliates may make certain personal information available to affiliates and strategic partners that work with Paytm to provide products and services, or that help Paytm market to customers. Personal information will only be shared by Paytm to provide or improve Paytm’s products, services and advertising and will always be shared in compliance with applicable laws; it will not be shared with non-affiliated third parties for their marketing purposes.

      Paytm, amongst others, shares information with companies (including with its affiliates) who provide services such as information processing, extending credit, fulfilling customer orders, delivering products to you, managing and enhancing customer data, providing customer service, assessing your interest in Paytm’s products and services, offering any products or services from any Paytm Platform, and conducting customer research or satisfaction surveys. Any such sharing will be in compliance with applicable law and these companies are obligated to protect your personal information under applicable law.

      It may be necessary − by law, legal process, litigation, and/or requests from public and governmental authorities − for Paytm to disclose your personal information. Paytm may also disclose information about you if Paytm determines that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate.

      Paytm may also disclose information about you if Paytm determines that disclosure is reasonably necessary to enforce the T&Cs or protect Paytm’s operations or users. Additionally, in the event of a reorganization, transfer, merger, or sale of all or any portion of Paytm’s business or products or services offered through any Paytm Platform to any persons (including any affiliates), Paytm may transfer any and all personal information that Paytm collects to the relevant transferee or enter into contractual agreements to share such information with such transferees, and transfer any contractual rights or benefits to such transferees.

      For the purposes of these T&Cs, the term “affiliates” means and includes: (a) any company which is the holding company (as defined in the Companies Act, 2013), subsidiary company (as defined in the Companies Act, 2013) or associate company (as defined in the Companies Act, 2013) of One97; or (b) a person under the control of or under common control with One97; or (c) any company, who is an associate company (as defined in the Companies Act, 2013) of the first company, or if more than 50% of the share capital of such company (calculated on a fully diluted basis) is held by the same shareholders who own more than 50% of the share capital of One97 Communications Limited (calculated on a fully diluted basis)..

      For the purpose of this definition of an “affiliate”, “control” together with its grammatical variations when used with respect to any person (including Paytm), means the power to direct the management and policies of such person, directly or indirectly, whether through the ownership of the voting securities, by contract or otherwise howsoever; and a “person” means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

      Paytm’s privacy policy applies to use of the Paytm Platform, and its terms are made a part of these T&Cs by this reference. Additionally, by using the Paytm Platform, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Paytm Platform may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, credit card information) is encrypted.

      Dispute Resolution

      If any dispute, controversy or claim arises under this Agreement or in relation to any Paytm Service or the Paytm Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs (hereinafter Dispute), the parties shall use all reasonable endeavours to resolve such Dispute amicably.

      If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Paytm may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be New Delhi and the language of this arbitration shall be English. Either you or Paytm may seek any interim or preliminary relief from a court of competent jurisdiction in New Delhi necessary to protect the rights or the property belonging to you or Paytm (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither you nor Paytm may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between you and Paytm. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.

      Governing Law and Forum for Disputes

      Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against Paytm must be resolved by a court having jurisdiction in New Delhi, India. You agree to submit to the personal jurisdiction of the courts located within New Delhi, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.

       

      Physical Goods Marketplace – Terms & Conditions

      Please read the following terms and conditions carefully before registering on, accessing, browsing, downloading or using the Paytm website located at paytm.com, and all associated sites linked to paytm.com, or the Paytm mobile application or any similar platform (hereinafter collectively, the Paytm Platform) run by Paytm E-Commerce Private Limited, having its registered office at 136, First Floor, Devika Towers, Nehru Place, New Delhi 110019 and headquartered at B-121, Sector-5, Noida – 201301 and/or any of its affiliates (hereinafter collectively, PEPL or Paytm) on any device and/or before availing any physical goods marketplace related services offered by Paytm on the Paytm Platform (hereinafter individually, Paytm Marketplace Service and collectively, the Paytm Marketplace Services).

      Eligibility

      The Paytm Marketplace Services are not available to persons under the age of 18 or to anyone previously suspended or removed by Paytm from availing the Paytm Marketplace Services or accessing the Paytm Platform. By accepting the T&Cs or by otherwise using the Paytm Marketplace Services on the Paytm Platform, you represent that you are at least 18 years of age and have not been previously suspended or removed by Paytm, or disqualified for any other reason, from availing the Paytm Marketplace Services or using the Paytm Platform. In addition, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all the T&Cs as part of this Agreement. Finally, you shall not impersonate any person or entity, or falsely state or otherwise misrepresent your identity, age or affiliation with any person or entity. Finally, in the event of any violation of the T&Cs, Paytm reserves the right to suspend or permanently prevent you from availing Paytm Marketplace Services or using the Paytm Platform.

      Paytm Marketplace Terms and Conditions

      The terms and conditions in relation to the online marketplace service on the Paytm Platform set out below (hereinafter Marketplace Terms) are applicable to and binding on you in conjunction with the general T&Cs and the SSOID terms and conditions already accepted by you. Each T&C or the SSOID term or condition is applicable to and binding on you, or any of your activities on the Paytm Platform, even if such term or condition is not specifically reproduced herein below. The terms ‘Agreement’ or ‘T&Cs’ mentioned here includes the terms and conditions in relation to the marketplace set out below, the SSOID terms and conditions, and other service-specific terms and conditions in relation to Paytm Services or Paytm Platform.

      Paytm is the provider of online marketplace service, where branded merchandises are displayed online by the various registered merchants (hereinafter Merchant or Merchants) for sale and you can purchase the same, subject to the Marketplace Terms as well as T&Cs in general. Paytm offers the online marketplace service to you through various modes including issue of coupons & vouchers and through various websites accessible through the Paytm Platform. The actual contract for sale is directly between the Merchant and you. Paytm provides the services of listing catalogues, pricing, shipping, etc. which is informational and it is up to you to follow it or not. Paytm may help facilitate the resolution of disputes through various modes. Paytm has no control over: (a) the existence, quality, safety or legality of items displayed; (b) the accuracy of third party content or listings including that of registered Merchants; (c) the ability of Merchant’s or sellers to sell items; (d) the ability of buyers to pay for items. Paytm does not, at any point of time during any transaction between buyer and Merchant or seller, take the ownership of any of the goods offered by the Merchant or seller. Nor does Paytm, at any point, assert any rights or claims over the goods or services offered by the Merchant or seller to the buyer. In using the online market place service, you explicitly agree and acknowledge that:

      1. Paytm, through the Paytm Platform also makes available a variety of branded products/ services offered by its Merchant partners. Purchase of such products will be subject to the terms of offer for sale, and such other additional terms, if any, as specified by the Merchant. Paytm is a service provider and does not take any legal responsibility for the authenticity or quality of such branded products/services and customers are encouraged to exercise prudence and diligence (including by viewing any available customer reviews of the products or services or the Merchant) before purchasing such products or availing such services.
      2. Paytm may offer delivery services for some of the products on the Paytm Platform as per Paytm’s T&Cs, which may be changed by Paytm without any notice to you.
      3. Paytm is not a warrantor of the products/ services being offered on the Paytm Platform by various Merchants. You understand that any issue or disputes regarding the warranty, guarantee, quality, and service will be addressed either by the manufacturer/ service provider or the Merchant and you agree to handle such issues and disputes directly between you and the Merchant/ manufacturer. All the products are governed by the terms of warranties provided by the respective Merchants/ manufacturer/ owners of brands/ sellers. However, in case any product is covered under seller (Merchant) warranty, it shall be specifically mentioned under the product details. You acknowledge that Paytm gives no guarantee, either express or implied, regarding the product bought by you or for the use or availability of online marketplace service. Customers are encouraged to exercise prudence and diligence (including by viewing any available customer reviews of the products or services or the Merchant) before purchasing such products or availing such services.
      4. The price of products offered on the Paytm Platform is MRP, retail price, sale price, discounted price as offered by our Merchant partner. Paytm is not liable for any manufacturing defect, faulty product received, warranty claims, after sales service for any of the products purchased on the Paytm Platform. Paytm is not linked with any warranty, guarantee, post-sale claims, genuineness of products or brand, as it is just a platform that facilitates sales for its Merchant partners. Paytm will make best efforts to assist customers in issue resolution including refund or arranging replacement but it will not bear the risk from legal claims for any misrepresentation or selling of wrong product.
      5. The Paytm Platform makes available general third party information such as, product catalogues, lists of authorized dealers and reports on news, entertainment, technology and features, advertisements, images and photographs of the products and other data from external sources hereinafter Third Party Content). Similar Third Party Content would also be available to you on the email received by you from Paytm. The provision of Third Party Content is for general informational purposes only. You acknowledge that the Third Party Content provided to you is obtained from sources believed to be reliable. Paytm does not provide any guarantee with respect to any of the Third Party Content and Paytm shall not be held liable for any loss suffered by you based on your reliance on or use of such Third Party Content.
      6. Cancellation

        1. Cancellation by Paytm: There may be certain orders that Paytm Merchant partners are unable to accept and service and these may need to be cancelled. Some situations that may result in your order being cancelled include, non-availability of the product or quantities ordered by you, non- availability of the delivery service in the address to which product is required to be shipped, inaccuracies or errors in pricing information specified by our Merchant partners, or problems identified by Paytm’s credit and fraud avoidance department. Paytm may also require additional verifications or information before accepting any order. Paytm will contact you if all or any portion of your order is cancelled or if additional information is required to accept your order. If your order is cancelled after your credit card or bank account has been charged, the said amount will be reversed back in your credit card / bank account. A promo code, once used, shall not be refunded in case of cancellation of order either by you or Paytm.
        2. Cancellation by the User: In case of requests for order cancellations, Paytm reserves the right to accept or reject requests for order cancellations for any reason whatsoever. As part of usual business practice, if Paytm receives a cancellation notice and the order has not been processed/ approved by Paytm, Paytm shall cancel the order and refund the entire amount to you instantly. Paytm will not be able to cancel orders that have already been partially or fully processed. Paytm has the full right to decide whether an order has been processed or not or whether an order has been partially or fully processed. You agree not to dispute the decision made by Paytm and accept Paytm’s decision regarding the cancellation. In cases where it is not possible to cancel orders since they have already been shipped, refund shall be made subject to the returns process post return request is raised and you would get replacement or refund once the original item is back with the Merchant partner in good sale-able condition.
      1. Paytm reserves the right to cancel any orders that classify as ‘Bulk Order’ as determined by Paytm as per certain criteria. Any Paytm promo code used for placing the ‘Bulk Order’ will not be refunded as per this cancellation policy. An order can be classified as ‘Bulk Order’ if it meets with the below mentioned criteria, which includes:
        1. Products ordered are not for self-consumption but for commercial resale;

        2. Multiple orders placed for same product at the same address;

        3. Bulk quantity of the same product ordered;

        4. Invalid address given in order details; or

        5. Any malpractice used to place the order.

        Promo codes shall be subject to specific terms and conditions, from time to time, and Paytm may disallow usage which breaches such terms and conditions.

      1. Delivery of the Product: Your shipping address and pin code will be verified with the database of Paytm for delivery serviceability before you proceed to pay for your purchase. In the event your order is not serviceable by our delivery partners or the Merchant or the area is not covered, we would request you to provide us with an alternate shipping address which we expect to have on our partner/Merchant’s delivery list. In case there is any dispute regarding the shipment of the product or services for the area not covered by Paytm, in such cases Paytm will not be responsible for the non-delivery of the product. In case you book multiple orders for the products and services in one transaction, Paytm would endeavour to ship all products together. However, this may not always be possible due to some product characteristics or logistical issues. If you purchase multiple products in single transaction, then all the products would be dispatched to a single shipping address given by you. If you wish to ship products to different addresses, then you should book the orders separately based on the delivery addresses.
      1. Return Policy

        1. In the event you receive a damaged / defective product or a product that does not comply with the specifications as per your original order, you are required to get in touch with the customer service team.
        2. Upon receiving your complaint, Paytm shall verify the authenticity and the nature of the complaint. If Paytm is convinced that the complaint is genuine, Paytm will inform the relevant Merchant of such complaint and request for a replacement. However, in the event of frivolous and unjustified complaints regarding the quality and content of the products, other than not requesting the Merchant for a replacement, Paytm reserves the right to pursue necessary legal actions against you and you will be solely liable for all costs incurred by Paytm in this regard. You expressly acknowledge that the Merchant selling the defective product/ service will be solely responsible to you for any claims that you may have in relation to such defective product/ service and Paytm shall not in any manner be held liable for the same.

        3. Before accepting shipment of any product, kindly ensure that the product’s packaging is not damaged or tampered. If you observe that the package is damaged or tampered, Paytm requests you to refuse to accept delivery and inform Paytm at the earliest. The return process of the product may be restricted by Paytm depending on the nature and category of the product.

        4. In order to return any products sold through the Paytm Platform, you are required to comply with the following conditions:

          1. For non-damaged/ non defective product/service, you shall be allowed to return the product within the time frame displayed on website at the time of purchase;
          2. Please notify Paytm of receipt of damaged/ defective product/service within 48-hours of delivery to you. If you are unable to do so within 48-hours, Paytm/Merchant/manufacturer/service provider shall not be held liable for the failure to replace the order;
          3. Paytm will arrange pick-up of the damaged/defective product through its own logistics partner. In the event Paytm is unable to do so, Paytm will notify you regarding the same and you will be required to dispatch the product using a reputed courier in your respective area within one (1) day from receipt of such notice. Courier freight charges will be reimbursed in such form as is determined by the logistics team upon prior consultation with Paytm;
          4. Products should be returned in their original packaging along with the original price tags, labels, barcodes, user manual, warranty card and invoices, etc.;
          5. Paytm offers hassle-free returns to simplify returns for buyers and sellers. The cost of return shipping for an item that is not properly described is the Merchant or seller’s responsibility. If applicable, you also authorize Paytm to place the return shipping costs on your invoice;
          6. It is advised that the return packets should be strongly and adequately packaged so that there is no further damage of products during transit;
          7. The returned products are subject to verification and checks by Paytm in order to determine the legitimacy of the complaint/ return;
          8. In the event the return of a product is duly accepted by Paytm, the value of such product, as originally paid by you during acceptance of delivery of product or otherwise, will be refunded to you. Refund will be processed based on the mode of payment and Paytm will credit your refunds directly into Paytm Wallet account. Refunds will be subject to the following:

            1. Orders paid online will be refunded instantly through the Paytm Wallet;

            2. For Cash on Delivery payments also the amount will be refunded into your Paytm Wallet;

            3. You can trigger a request in your Paytm Wallet to transfer the money from your Paytm Wallet to your bank account, subject to any applicable terms. It will take 3-21 working days for the money to show in your bank account depending on your bank’s policy. If for any reasons, amounts cannot be returned to your wallet, they will be returned through other modes, subject to you providing the necessary information and cooperation, to Paytm.

          9. A promo code, once used, shall not be refunded in case of cancellation of order either by you or Paytm.

      1. Use of Information: We may share your telephone/mobile numbers or e-mail addresses with our service providers (such as billing or collections companies) who we have contracted with Paytm to assist us in pursuing our rights or performing our obligations under the user agreement, our policies, or any other agreement we may have with you. These service providers may also contact you using auto-dialed or pre-recorded messages calls and/or SMS or messages in any form, only as authorized by us to carry out the purposes we have identified above, and not for their own purposes.
      2. By accepting the Marketplace Terms here and the T&Cs in general, you accept that Paytm may send the alerts to the mobile phone number/ email address provided by you at the time of registering for the Paytm Service/Paytm Platform or to any such number/e-mail address replaced and informed by you subsequently.
      3. Content: While Paytm tries to offer reliable data, Paytm cannot promise that the catalogues will always be accurate and up-to-date, and you agree that you will not hold our catalogue providers or us responsible for inaccuracies in the catalogues. The catalogue may include copyrighted, trademarked or other proprietary materials. You agree not to remove any copyright, proprietary or identification markings included within the catalogues or create any derivative works based on catalogue content.
      4. Limitation of liability and waiver: In no event, Paytm or its Merchants, sellers, contractors, agents, licensors, partners or suppliers will be liable to you for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Paytm Services, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm Services, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service, even if Paytm or a Paytm authorized representative has been advised of the possibility of such damages. In no event, Paytm or any of its contractors, directors, employees, agents, third party partners, licensors or suppliers will be liable to you for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement; (ii) the SSOID Agreement; (iii) the Paytm Services, the Paytm Platform or any reference site/app/platform/service; or (iv) your use or inability to use the Paytm services, the Paytm Platform (including any and all materials) or any reference sites/app/platform/service; or (v) any other interactions with Paytm, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of the amount paid by you, if any, for using the portion of the Paytm Service or the Paytm Platform giving rise to the cause of action, or beyond or in excess Rs, 1,000, whichever is less. You acknowledge and agree that Paytm has offered its products and services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between you and Paytm, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between you and Paytm. Paytm would not be able to provide the services to you on an economically reasonable basis without these limitations. Applicable law may not completely allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitations or exclusions will apply to you subject to applicable law. In such cases, Paytm’s liability will be limited to the fullest extent permitted by applicable law. This paragraph shall survive the termination of this Agreement, or the T&Cs, SSOID terms and the Marketplace Terms.
      5. Dispute Resolution: If any dispute, controversy or claim arises under this Agreement or in relation to any Paytm Service or the Paytm Platform, including any question regarding the existence, validity or termination of this Agreement or T&Cs or the Marketplace Terms (hereinafter Dispute), the parties shall use all reasonable endeavours to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Paytm may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed in accordance with the Act. The seat of the arbitration shall be New Delhi and the language of this arbitration shall be English. Either you or Paytm may seek any interim or preliminary relief from a court of competent jurisdiction in New Delhi necessary to protect the rights or the property belonging to you or Paytm (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither you nor Paytm may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between you and Paytm. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement, the T&Cs or the Marketplace Terms.

      6. Jurisdiction and dispute resolution: Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against Paytm must be resolved by a court having jurisdiction in New Delhi, India. You agree to submit to the personal jurisdiction of the courts located within New Delhi, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.

      Assignment; Restrictions on Information Sharing; Privacy applicable to Marketplace Terms

      This Agreement, including these T&Cs, the Marketplace Terms and any rights granted here, may not be transferred or assigned by you without Paytm’s prior written consent which may be withheld in Paytm’s sole discretion, but this Agreement, including these T&Cs, the Marketplace Terms and any rights granted hereunder may be assigned by Paytm freely (including to its Affiliates) and without any restriction. Any assignment attempted to be made by you in violation of this provision shall be void and of no effect.

      By accepting this Agreement, including the T&Cs and the Marketplace Terms, you agree to be customers of Paytm (including, each of PEPL and its affiliates). In addition, by accepting this Agreement, including the T&Cs and the Marketplace Terms, you expressly and impliedly provide your free and unconditional consent for the following: (a) for transferring Paytm’s rights and obligations under this Agreement, including the T&Cs and the Marketplace Terms, in favour of any affiliate of PEPL or any third party; (b) for using the Paytm Platform and availing the Paytm Services by you subject to any specific terms and conditions imposed by any affiliate of PEPL; (c) for receiving communications, notices and information from any PEPL or any affiliate of PEPL; (d) for sharing of business information (including data analytics and any information relating to you or the services being availed by you) between PEPL and any affiliate, insofar as such sharing of business information is necessary or required for the following limited purposes: (i) provision of better services to Paytm’s customers (including you); (ii) provision of better services by Paytm’s vendors; (iii) to prevent any breach of a binding agreement between PEPL and any affiliate, or to give effect to any such agreement; (iv) for ensuring compliance with the applicable law or legally compelled disclosures by Paytm or by any affiliate of Paytm; (v) for preventing fraud and money laundering and for enhancement of risk mitigation systems and processes in relation to the activities of PEPL or any affiliate; or (vi) PEPL retaining any and all information relating to you till such time as may be required under applicable laws or internal policies.

      At times PEPL or its affiliates may make certain personal information available to affiliates and strategic partners that work with Paytm to provide products and services, or that help Paytm market to customers. Personal information will only be shared by Paytm to provide or improve Paytm’s products, services and advertising, in will be shared in compliance with applicable laws; it will not be shared with non-affiliated third parties for their marketing purposes.

      Paytm, amongst others, shares information with companies (including with its affiliates) who provide services such as information processing, extending credit, fulfilling customer orders, delivering products to you, managing and enhancing customer data, providing customer service, assessing your interest in Paytm’s products and services, offereing any products or services from any Paytm Platform, and conducting customer research or satisfaction surveys. Any such sharing will be in compliance with applicable laws and these companies are obligated to protect your personal information under applicable laws.

      It may be necessary − by law, legal process, litigation, and/or requests from public and governmental authorities − for Paytm to disclose your personal information. Paytm may also disclose information about you if Paytm determines that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate.

      Paytm may also disclose information about you if Paytm determines that disclosure is reasonably necessary to enforce the T&Cs or protect Paytm’s operations or users. Additionally, in the event of a reorganization, transfer, merger, or sale of all or any portion of Paytm’s business or products or services offered through any Paytm Platform to any persons (including any affiliates), Paytm may transfer any and all personal information that Paytm collects to the relevant transferee or enter into contractual agreements to share such information with such transferees, and transfer any contractual rights or benefits to such transferees.

      For the purposes of these T&Cs, the term “affiliates” means and includes: (a) any company which is the holding company (as defined in the Companies Act, 2013), subsidiary company (as defined in the Companies Act, 2013) or associate company (as defined in the Companies Act, 2013) of PEPL; (b) a person under the control of or under common control with PEPL; or (c) any company, who is an associate company (as defined in the Companies Act, 2013) of the first company, or if more than 50% of the share capital of such company (calculated on a fully diluted basis) is held by the same shareholders who own more than 50% of the share capital of PEPL(calculated on a fully diluted basis).

      For the purpose of this definition of an “affiliate”, “control” together with its grammatical variations when used with respect to any person (including Paytm), means the power to direct the management and policies of such person, directly or indirectly, whether through the ownership of the voting securities, by contract or otherwise howsoever; and a “person” means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

      Paytm’s privacy policy applies to use of the Paytm Platform, and its terms are made a part of these T&Cs by this reference. Additionally, by using the Paytm Platform, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Paytm Platform may be read or intercepted by others, even if there is a special notice that a particular transmission (for example, credit card information) is encrypted.

      Food Wallet

      GENERAL TERMS AND CONDITIONS TO BE COMPLIED BY FOOD WALLET HOLDER

      1. Food wallet shall be issued to employees of the Enterprise who avails food and non-alcoholic beverage facility by their employers as a part of their employment compensation.
      2. The employee of the Enterprise who wishes to avail Food wallet shall be required to have a standard Paytm wallet within which a sub wallet (i.e. Food wallet) shall be created. Such wallets (main wallet and the Food wallet) shall have pre-defined monetary limits and shall be re-loadable.
      3. Portion of the Food Wallet Holder’s salary received as food allowance would be transferred by the employer to the respective Food Wallet Holder’s Food wallet.
      4. Wallet Holder may also get access to the Food Wallet which will be a part of the Paytm Wallet and the maximum monetary limit as specified in RBI guideline and amendment from time to time shall apply to the combined limit of the Paytm Wallet and Food Wallet.  In the event the Paytm Wallet also has a Food Wallet Section which shall be applicable to Wallet Holder.
      5. If Enterprise, as per its discretion, charge any charges from Food Wallet Holder for providing the service of Food wallet, One97 shall not be responsible for any such charges.
      6. Any charge levied by the Establishment on the purchase made by the Food Wallet Holder using the Paytm Food Wallet shall be settled by such Food Wallet Holder with the Establishment directly and One97 shall not be responsible for the same.
      7. Any transfers from Enterprise’s Account to Food Wallet Holder’s Wallet shall be responsibility of Enterprise. Also, any taxes on said transfers and deduction of taxes at source shall be responsibility of Food Wallet Holder and Enterprise respectively. One97 shall be only responsible for transferring amounts paid by Enterprise to Enterprise’s Account.
      8. All Spends by Wallet Holder from the Food Wallet should be in compliance with the Income Tax Act. Wallet Holder agree that Food Wallet shall be used by Food Wallet Holder solely for the purpose of purchase of food & non alcoholic beverages from relevant Establishments who have agreed to redeem the amount from the  Food Wallet section and have an arrangement with One97 in this regard.
      9. Food Wallet Holder agree and confirm that No P2B (Personal to Bank transfer), P2P (Peer to Peer) and no cash out are permitted from Food Wallet balances.
      10. Food Wallet Holder shall prior to availing the Food Wallet services from One97 obtain appropriate advice and shall familiarize himself with the associated risks and all the terms and conditions pertaining to the Food Wallet Service. Food Wallet Holder further verify all facts and statutory provisions and seek appropriate professional advice including the relevant tax implications.
      11. Paytm Food Wallet shall not be assignable or transferable by the Enterprise or the Food Wallet Holder.
      12. The Food Wallet Holder agrees that he/she will not use the Paytm Food Wallet for payment of any illegal/unlawful purchase/purposes.
      13. In case of termination/cancellation of Food Wallet Services, the existing balance in the wallet can be used by Food Wallet Holder.
      14. The Food Wallet Holder shall agree to submit all the documents with the One97 as directed from time to time, to meet KYC norms in compliance with the relevant extant guidelines of the Reserve Bank of India.
      15. The Food Wallet Holder and Enterprise shall forthwith notify the One97 of any change in his/her address for communication as submitted with One97 at the time of activating Paytm Food Wallet. The responsibility shall be solely of the Food Wallet Holder to ensure that One97 has been informed of the correct address for communication
      16. The Food Wallet Holder shall act in good faith at all times in relation to all dealings with the Paytm Food Wallet and One97
      17. The Food Wallet Holder shall be fully responsible for wrongful use of the Paytm Food Wallet.
      18. The Food Wallet Holder shall indemnify One97 to make good any loss, damage, interest, or any other financial charge that One97 may incur and/or suffer, whether directly or indirectly, as a result of Food Wallet Holder is committing violations of these Terms and Conditions.
      19. The  Food Wallet Holder will indemnify and hold One97 harmless for any / all actions, proceedings, claims, liabilities (including statutory liability), penalties, demands and costs, awards, damages and  losses arising out of  wrongful use or cancellation (wrongful or otherwise) of a Paytm Food Wallet Service.
We One97 Communications Ltd., are registered at 1st Floor Devika Tower, Nehru Place New Delhi – 110019 and headquartered at B-121, Sector-5, Noida – 201301, hereinafter referred to as Paytm. At Paytm, we value your trust & respect your privacy. This Privacy Policy provides you with details about the manner in which your data is collected, stored & used by us. You are advised to read this Privacy Policy carefully. By visiting Paytm’s website/WAP site/applications you expressly give us consent to use & disclose your personal information in accordance with this Privacy Policy. If you do not agree to the terms of the policy, please do not use or access Paytm website, WAP site or mobile applications. Note: Our privacy policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. This Privacy Policy shall apply uniformly to Paytm desktop website, Paytm mobile WAP site & Paytm mobile applications

General

We will not sell, share or rent your personal information to any 3rd party or use your email address/mobile number for unsolicited emails and/or SMS. Any emails and/or SMS sent by Paytm will only be in connection with the provision of agreed services & products and this Privacy Policy. Periodically, we may reveal general statistical information about Paytm & its users, such as number of visitors, number and type of goods and services purchased, etc. We reserve the right to communicate your personal information to any third party that makes a legally-compliant request for its disclosure.

Personal Information

Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as name, address, mailing address, telephone number, email ID, credit card number, cardholder name, card expiration date, information about your mobile phone, DTH service, data card, electricity connection, Smart Tags and any details that may have been voluntarily provide by the user in connection with availing any of the services on Paytm When you browse through Paytm, we may collect information regarding the domain and host from which you access the internet, the Internet Protocol [IP] address of the computer or Internet service provider [ISP] you are using, and anonymous site statistical data.

Use of Personal Information

We use personal information to provide you with services & products you explicitly requested for, to resolve disputes, troubleshoot concerns, help promote safe services, collect money, measure consumer interest in our services, inform you about offers, products, services, updates, customize your experience, detect & protect us against error, fraud and other criminal activity, enforce our terms and conditions, etc. We also use your contact information to send you offers based on your previous orders and interests. We may occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age, gender, etc.). We use this data to customize your experience at Paytm, providing you with content that we think you might be interested in and to display content according to your preferences.

Cookies

A “cookie” is a small piece of information stored by a web server on a web browser so it can be later read back from that browser. Paytm uses cookie and tracking technology depending on the features offered. No personal information will be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Links to Other Sites

Our site links to other websites that may collect personally identifiable information about you. Paytm is not responsible for the privacy practices or the content of those linked websites.

Security

Paytm has stringent security measures in place to protect the loss, misuse, and alteration of the information under our control. Whenever you change or access your account information, we offer the use of a secure server. Once your information is in our possession we adhere to strict security guidelines, protecting it against unauthorized access.

Consent

By using Paytm and/or by providing your information, you consent to the collection and use of the information you disclose on Paytm in accordance with this Privacy Policy, including but not limited to your consent for sharing your information as per this privacy policy.
Paytm strongly believes in a sincere and transparent approach to its users. You trust and love us and we would never put growth before trust. This policy document aims at minimizing instances of customer complaints, grievances and disappointments via channelized approach, review and redressal. The self-review will be of help in identifying shortcomings in the product features and service delivery. If you’re disappointed, then at some point in time we’ve not done a great enough job. Paytm’s policy on grievance redressal follows the under noted principles.
  • Our users are to be treated fairly at all times.
  • Complaints or concerns raised by users are dealt with an open mind, with courtesy and in a timely manner.
  • Users are informed about the channels to escalate their complaints, concerns and grievances within Paytm and their rights if they are not satisfied with the resolution of their complaints.
  • Paytm will take care of all complaints efficiently and fairly as they value each user.
  • All employees at Paytm must work in good faith and without prejudice to the interests of the users.
We understand that customer grievances can happen due to multiple reasons. It can be because of the gap between the promised service levels and the service levels actually offered. Since we are dealing with humans, a lot of grievances can arise due to the attitudinal and the way communication gets done. It can also happen due to the actual errors across the system. Users have complete authority to file a complaint/ share feedback if they are disappointed by services rendered by Paytm. They can give their complaint/ feedback in writing, email, or on Paytm.com. If user’s dilemma is not resolved within the given time or if they are not satisfied with the solution provided by Paytm, they can approach our tiered redressal system with their complaint or other legal avenues available for grievance redressal. In order to make Paytm redressal channels more meaningful and effective, a structured system has been put in place. This system will ensure that the complaints are redressed seamlessly and well within the stipulated timeframe.

Awareness of Grievance Redressal System

At Paytm, the users’ experience is what we deliberate and focus on. This is why we listen and take the time to know our users and take their concerns seriously. Going skin-deep to analyze and scrutinize, how you would feel from the time you step-in to Paytm.com till the time you’re done, helps us evolve and enhance our services. If a user has found our experience simple and incredible we know we are doing something worthy. However, when a user is concerned or has complaints we do everything we can to fix it and make it right.

Sensitizing staff on handling complaints

Our staff undergoes regular training to ensure that consumers queries and grievances are handled properly. They are encouraged to work in a manner which helps us in building the consumer trust and confidence. This reflects in both the operations as well as the customer communications. Top reasons behind the consumer queries are analysed and worked upon in a way which aims at removal of these reasons from the root. This helps in improving the overall quality of the service levels gradually.

How to reach Paytm

a) For Paytm Wallet Related Issues
Level 1:

You can go to paytm.com/care/ticket, select payments/paytm wallet followed by the particular wallet transaction where you are facing the issue to submit your query. You can also call us on our 24*7 helpline number: 0120 3888 3888 to help resolve your query.

Level 2:

If you are not satisfied with Level 1 resolution, please write to: Nodal Officer*, Customer Grievance, One97 Communications Ltd. B121, Sector 5 Noida – 201301

Level 3:

If you are not satisfied with Level 2 escalation, please write to: Grievance Officer*, One97 Communications Ltd., B121, Sector 5, Noida – 201301 Or Click here to escalate to Grievance Officer.

*Applicable only when level wise escalation is followed.

b) For other queries related to Paytm
Level 1:

You can go to paytm.com/care/ticket and select the vertical where you are facing the facing the issue. Post vertical selection, please select an order to submit your query. You can also call us on our 24*7 helpline number: 0120 3888 3888 to help resolve your query.

Level 2:

If the resolution you received does not meet your expectations, please click here to escalate your concern to the Service Head*.

Level 3:

If you are still not satisfied, please write to: Grievance Officer*, One97 Communications Ltd, B121, Sector 5 Noida – 201301 Or Click here to escalate to Grievance Officer.

*Applicable only when level wise escalation is followed.

We recommend that customer sends us a query/grievance by logging in his Paytm account and using the ‘Help and Support’ section. It is also recommended that the customer writes his complaint reference number provided by our customer care team in all further communication with us regarding a particular issue. This enables us to get more details about the customer and the query quickly and helps to resolve the query faster.

Estimated time taken to address your queries, concerns, complaints

Suitable timelines have been set for every complaint depending upon the investigations which would be involved in resolving the same. Here are the estimated timelines at various levels of queries/escalations
  • First response to a user’s query/ concern – 24 hrs
  • Follow-up queries – 48 hrs
  • Escalated cases – 7 days
  • Customer grievances – 15 days
  • Concern raised to Nodal officer – 15 days
  • NEFT to user’s bank account – 7 days
*Users are requested to raise the concern to next level only if they do not get a resolution within the time frame mentioned above. This will help us in resolving your concern in a smoother way.