If any court/tribunal of competent jurisdiction holds any of the provisions of the Combined Google Pay Terms unlawful or otherwise ineffective, the remainder of the Combined Google Pay Terms will remain in full force and the unlawful or otherwise ineffective provision will be substituted by a new provision reflecting the intent of the provision so substituted. "Google Account" means the account you create with Google or Group Companies for the use of Google Pay Services and other Google services, as defined in the Universal Terms. The Business Page could feature a catalog of the available items or services to provide information about your business and list some of your products and services. 50,000 (Indian Rupee Fifty Thousand) or above, You will be required to provide a copy of Your PAN Card. Google is not a party to such agreements and has no role and does not make any representations, warranties or guarantees of approval or decline of the Card Application, which shall be at the sole discretion of the Credit Institution issuing the Credit Card. You are responsible for maintaining sufficient funds in your account, and for any penal consequences that result from the performance of the loan agreement or insufficiency of funds to meet the EMI requirements including the levy of interest as per the terms of the loan agreement executed by You with the Credit Institution. Fees and Charges. You agree and specifically consent that Google may, through automated means, access your messages on your mobile device/mobile number and retrieve/use information from your messages to provide you with enhanced services by Google or Group Companies. You should review theGoogle Pay Policiesto understand the rights and obligations that you may have with respect to your Google Pay Transactions. Applying for Credit Cards. Disbursement of Loan Facility Amount. You should ensure that you have undertaken adequate due diligence prior to transferring payments to anyone using Google Pay Services. Google will ask You for details of a nominee at the time of setting up Your Gold Account. or (iii) on your Google Pay app for processing bill payments or other merchant Payment Transactions. Thank you for using Google Pay. Make sure your billing address is correct. When you initiate a Virtual Account Number payment or transit transaction using Google Pay, Google may pass details of your Virtual Account Number and related information to the transacting party so that it can charge your payment method. By accessing, downloading or using Google Pay, you agree to comply with and be bound by the following: These five documents are collectively referred to herein as the "Combined Google Pay Terms.".
Loan Facility Offers. Refunds and Chargebacks. By availing of the Loan Facility Services on Google Pay, You expressly authorize Google Pay to access, use and store Loan Facility transaction information on an ongoing basis, on Your behalf for the purpose of providing you with services on Google Pay. These Combined Google Pay Terms do not grant you any rights to the intellectual property rights in the Google Pay Services. These third party products or services are offered by parties other than Google, and are subject to third party terms. Your Google Pay App may communicate with Google servers from time to time to check for available updates to Google Pay, such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, "Updates"). If you allow us to access your messages, you understand that we may retrieve your OTP from the message received on your mobile device/number and populate and submit the OTP for second factor authentication. Your participation in Google Pay offers is subject to theGeneral Google Pay Offers Terms. By agreeing to these Combined Google Pay Terms or continuing to use Google Pay Services, you hereby agree to any Third Party Provider terms that apply to your use of such products and services through Google Pay, which may be updated from time to time. You agree that you will not involve Google in any litigation or other dispute arising out of or related to any transaction, agreement, or arrangement with any Recipient, Sender, advertiser or other third party in connection with the Google Pay Service. Google is not obligated to mediate disputes between Senders and Recipients or between the Sender/Recipient and the Payment Participants. Nothing in these Google Pay Terms is intended to exclude or limit the liability of any party for (i) death or personal injury; (ii) fraud; (iii) fraudulent misrepresentation; or (iv) any liability that cannot be excluded or limited by law. For the exact roles and responsibilities of Google Pay, PSP and NPCI in a UPI Payment Transaction, please refer here. IN NO EVENT SHALL GOOGLE OR ITS GROUP COMPANIES BE RESPONSIBLE OR LIABLE TO YOU OR ANY THIRD PARTY UNDER ANY CIRCUMSTANCES FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY, DAMAGES OR LOSSES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES WHICH MAY BE INCURRED IN CONNECTION WITH ANY GOOGLE PARTY OR THE SERVICES, OR ANY GOODS, SERVICES, OR INFORMATION PURCHASED, RECEIVED, SOLD, OR PAID FOR BY WAY OF THE SERVICES, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF THE GOOGLE PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS.
You are responsible to ensure that your KYC details with the Credit Institutions are current and accurate at the time of applying for a Credit Card on the Google Pay App. You acknowledge that Your eligibility for the Loan Facility including the terms and quantum of the Loan Facility shall be at the sole discretion of the Credit Institution. You understand and agree to the following: Disclaimer of Googles Liability. You understand that the Credit Institution may charge you a service fee for instant processing of the Loan Facility and stamp duty charges, which will be specified to you in the loan application, and deducted from the Loan Facility amount. If you use the Bill Payment Services to provide Bill Payment Account Information, to fetch bill details, or make payments on behalf of a third party, including for mobile recharges/top ups, it is your responsibility to ensure that you have the consent of such third party. "NPCI" means the National Payments Corporation of India, that is an authorized payments system operator by the Reserve Bank of India, which owns and operates UPI. Google is neither acting as a trustee nor acting in a fiduciary capacity with respect to any Payment Transaction. Google is not a party to such loan agreements and Googles role in such transactions shall be limited to that of an intermediary technology platform. Google is in no manner involved in or liable for offering or providing you with the Loan Facility, or with the performance of the loan agreement. These promotions will not use your UPI Transactions Data; (v) promoting new products and activities; (vi) investigating or resolving any product or Google Pay Service related concerns including complaints; or. If your payment methods issuer supports Google Pay and your payment method is eligible, when adding it you may see a screen asking you to accept the issuers terms and conditions. You must be 18 years of age or older, in order to use Google Pay. In order to serve you better, we may also send you surveys to understand: (i) your experience with our Services, and/or (ii) your needs and requirements. All Transactions made or instructions provided through Your Google Account on Google Pay shall be deemed to be provided by You. You understand and agree that the terms of such Loan Facility shall be governed by the loan agreements executed between You and the Credit Institution. We also reserve the right to impose limits on certain features or restrict access to parts or all of the service without notice and without liability.
Any discrepancy in the Loan Facility Receipt will have to be addressed with the Credit Institution. Google LLC owns the title, copyright and other worldwide intellectual property rights in the Google Pay Services. Communications with Payment Participants. In addition, if you choose to use your BHIM UPI or Credit Card credentials created through Google Pay to send payments to a merchant or third party who is not using Google Pay Services for the purpose of processing and/or settlement of funds, Googles role will be limited to providing the payment instructions to the Payments System Provider. Any real-time communication regarding the product or service under Business Pages would be between you and the buyer, with no Google interference. "Recipient" means a User, Merchant, Biller or third party who receives a payment from the Sender. We or Payment Participants may establish general practices and limits concerning the use of Google Pay. Google may, at any time, require you to certify the compliance with the above, in writing, and you will provide such written certification together with such supporting documents as may be required by Google from time to time. Privacy. You agree to indemnify, defend and hold harmless Google, Group Companies, the Payment Participants, and its and their directors, officers, owners, agents, co-branders or other partners, employees, information providers, licensors, licensees, consultants, contractors and other applicable third parties (collectively "Indemnified Parties") from and against any and all claims, demands, causes of action, debt or liability, including reasonable attorney fees, including without limitation attorneys fees and costs incurred by the Indemnified Parties arising out of, relating to, or which may arise from: (b) any breach or non-compliance by you of any term of these Google Pay Terms or any Google Pay policies; (c) any dispute or litigation caused by your actions or omissions; or. Google will not be responsible or liable to you for any loss incurred by you as a result of your interaction with a third party product or service on Google Pay. By availing of the Credit Card Services on Google Pay, You expressly authorize Google Pay to access, use and store your Credit Card transaction information on an ongoing basis, on Your behalf, for the purpose of providing you with services on Google Pay, including displaying such transaction information to you, sending you offers pertaining to your Credit Card and related offers or services for which you are eligible, and to assist with fraud analytics and fraud mitigation efforts. You must have a Google Account to use Google Pay. You understand that We may need to share information that you provided on Google Pay in order to satisfy applicable law, regulation, legal process or an enforceable governmental request. We may also change the Services, including applicable fees, in our sole discretion. To apply for a Credit Card offered to you by a Credit Institution, You are required to submit the application provided by the Credit Institution on Google Pay.
If you believe your Google Account on Google Pay has been accessed or used in an unauthorised manner, please contact Customer Service immediately. In the event of any complaints regarding Google Pay Services, please contact Google and we will work with you to resolve it, where possible. Learn how to see your family's purchases. Limitations on the Use of the Google Pay Service. "UPI" means the Unified Payment Interface. For the avoidance of doubt, in relation to UPI Transactions, you are subject to that PSP's terms and conditions. If you allow anyone to use your Google Account on Google Pay, including individuals under 18 years of age, you will be responsible for ensuring that such individuals comply with the Combined Google Pay Terms. Your Issuer provides services to register or deregister your Virtual Account Number for specific uses and to set and modify Payment Transaction limits. WITHOUT LIMITING THE GENERALITY OF THE PRECEDING SENTENCE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT SUCH INFORMATION IS REPORTED BY THE ISSUER AS OF A PARTICULAR TIME ESTABLISHED BY THE ISSUER AND MAY NOT ACCURATELY REFLECT YOUR CURRENT TRANSACTIONS, AVAILABLE BALANCE, OR OTHER ACCOUNT OR PROGRAM DETAILS AT THE TIME THEY ARE DISPLAYED TO YOU THROUGH THE SERVICES OR AT THE TIME YOU MAKE A PURCHASE OR REDEMPTION. Further, the use and processing by a PSP Bank of your personal data available to the PSP Bank during or pursuant to UPI Transactions is subject to the privacy policy available on the PSP Bank's website. The facilitation of a Transaction does not guarantee that the Sender has sufficient funds available in the Funding Account he or she used, that the Transaction will be authorized or processed, or that the Transaction will not later result in a chargeback or other reversal. You can seek restoration of the Google Account, which will also restore your access to your Google Pay Account. We also reserve the right to automatically block any communication received by a User from a non-Google Pay account, including any payment requests, that we deem to be spam or a fraudulent communication. The content of the communication must comply with these Combined Google Pay Terms and in particular, theGoogle Pay Policies. Any dispute is between the Sender and Recipient without making Google and/or the Payments System Providers, a party to such disputes. In some cases, we may ask you to send us additional information/documentation or to answer additional questions (before or after your Google Account on Google Pay has been activated) to help us verify your identity or the accuracy of the information you provided. Payment History. Waiver and Release. Applicable Terms. Google will neither be responsible for the processing or settlement of the Transaction nor for any delivery or service fulfilment, provided Google may, in certain circumstances, act as a payment collection agent for the Recipient for the limited purpose of receiving funds on the Recipients behalf.
Googles role as a payment collection agent for the Recipient will not make Google liable or responsible for breach of representations and warranties, non-provision of after-sales or warranty services or fraud vis-a-vis the products and/or services sold by a Merchant. You also understand and hereby agree that Google reserves the right to use the services of its Group Companies (as herein defined) to provide any of the Google Pay Services to you, on behalf of Google. For example: OTP is a one-time password which is provided by your issuing bank in order to carry out the second factor authentication. Once you have registered for BHIM UPI services, you can send payments from your bank account or receive payments into your bank account using BHIM UPI through Google Pay. You may not use Google Pay Service to process Payment Transactions in connection with the sale or exchange of any illegal goods or services or any other underlying illegal Transaction. For avoidance of doubt, Google will provide the technology integration of the GAP with Your Google Account on Google Pay. 
