You undertake to update Google in case of change of Your existing information or verification documents provided by You. Ensure that you check your bill details carefully prior to making any payments. We may also engage Third Party Providers or other service providers to assist in these efforts and other elements of Google Pay Services. We shall be the first point of contact for all UPI Payment Transaction related grievances/complaints for Users. Ernst & Young Merchant Banking Services Pvt.Ltd. "Payments System Providers" means banks, financial institutions, card associations, and other payment system providers (as defined under the Payment and Settlement Systems Act, 2007), with whom Google has entered into an arrangement to facilitate Payment Transactions (as defined below) using Payments System Provider Services. Google is not obligated to mediate disputes between Senders and Recipients or between the Sender/Recipient and the Payment Participants. However, Google will assist Users in communicating with each other regarding a dispute or in sending the Users complaint to the respective Payment Participant, if required under Applicable Laws or Payment Participant Rules. We are a service provider and participate in UPI through PSP Banks. Credit Card Services means the Google Pay Services for application and management of Credit Cards, and related offers and services offered by Credit Institutions to You. Along with this various digital products are Payzapp and SmartBUY. "Biller" means a biller, including Prepaid Service Providers supported by Google Pay for Bill Payment Services either through a biller aggregator or a BBPOU, to whom a User can initiate bill payment on Google Pay. You understand that You are availing the Credit Card from your Credit Institution and will be entering into an agreement with the Credit Institution for this purpose. 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. [25], The equity shares of HDFC Bank are listed on the Bombay Stock Exchange and the National Stock Exchange of India. You must have a Google Account to use Google Pay. When you initiate an online transaction, Google Pay may also share other information, such as a billing, shipping, or email address saved in your Google Account, where relevant to completing the transaction. 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. Fees may be applied to certain Transactions or use of Google Pay Services. Applying for Credit Cards. 535 Cr on community development in FY 201920", "HDFC Bank Spends Rs. For avoidance of doubt, Google will provide the technology integration of the GAP with Your Google Account on Google Pay. Ranked 1st in 2019 BrandZ Top 75 Most Valuable Indian Brands HDFC Bank was featured for the 6th consecutive year. Google is not and will not be responsible for any aspect of the products or services you purchase. You agree and accept that Google is not responsible for the loss of data or any other damage suffered by you as a result of the closure of the Google account by you and its subsequent restoration. Setting up Bill Payment Services. Permissible Transactions. "Google Group Companies" or "Group Companies" means Googles parent, its subsidiaries and associate companies, and the parents ultimate holding company and its direct or indirect subsidiaries, including their associate companies. As you will be using Payment Participants services to process your payment instructions, you consent and agree to comply with the rules, guidelines, directions, instructions, requests, etc. Google reserves the right, in our sole and absolute discretion, to (a) suspend access to Your Gold Account; or (b) request MMTC to terminate your GAP Account, without notice and without liability to you or any third party, for any reason, including submission of incorrect KYC details, fraud, violation of these Combined Google Pay Terms or other policies we may establish from time to time. Google Fees. Communications from or with Google. Google may impose limits on the amount of Gold that is held in your GAP account or the amount you could transact on GPay to accumulate Gold in your GAP account. You may be required to provide certain personal information including but not limited to your name, address, phone number, income range, employment information, and such other information that may be required by the Credit Institution. Google Pay Offers. Bill Reminders. Ltd. POWERGRID Infrastructure Investment Trust, National Commodity and Derivatives Exchange, Odisha Rural Housing & Development Corporation, National Bank for Agriculture and Rural Development, The Banking Companies (Acquisition And Transfer Of Undertakings) Act, 1970, https://en.wikipedia.org/w/index.php?title=HDFC_Bank&oldid=1096580517, Companies listed on the New York Stock Exchange, Financial services companies based in Mumbai, Companies listed on the National Stock Exchange of India, Companies listed on the Bombay Stock Exchange, Short description is different from Wikidata, All Wikipedia articles written in Indian English, Articles containing potentially dated statements from April 2021, All articles containing potentially dated statements, Articles containing potentially dated statements from June 2019, Articles with unsourced statements from February 2022, Articles containing potentially dated statements from September 2021, Articles to be expanded from December 2020, Articles with unsourced statements from January 2022, Creative Commons Attribution-ShareAlike License 3.0, BrandZ Rankings, Most Valued brand in India for third successive year, Best Performing Private Bank in Total Aadhaar Generation & Update: [[Aadhaar|Aadhaar Excellence Awards, Best Bank: New Private Sector FE Best Bank awards, Winner in Innovation and Inclusiveness in Priority Sector Lending 11th Inclusive Finance India Awards (IFI) 2019. To set up your Gold Account, You must complete (i) 2 factor authentication as may be required by Google; and (ii) comply with the registration process prompted by Google on Google Pay; and (iii) comply with the KYC requirements as may be mandated by Applicable Law. Your participation in Google Pay offers is subject to theGeneral Google Pay Offers Terms. If You fail to comply with the obligations imposed on You by Google or the Payment Participants, we may suspend or terminate your Google Account on Google Pay. "UPI" means the Unified Payment Interface. 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. (ii) in certain scenarios, we may act as an intermediary and receive funds pertaining to the Payment Transaction on behalf of the Recipient. To apply for a Loan Facility offered to you by the Credit Institutions, You are required to accept the offer and fill in a loan application provided by the Credit Institution on Google Pay. For cumulative lifetime purchases of Rs. We and/or the Payment Participants may reject a Transaction and/or settlement of payments for various reasons, including but not limited to risk management, suspicion of fraudulent, illegal or doubtful Transactions, selling of prohibited items, use of compromised or blacklisted cards or BHIM UPI accounts, Google Accounts on Google Pay, chargebacks/complaints or for other reasons as prescribed in the Payment Participant Rules. TheGoogle Privacy Policyexplains how we treat your personal data and protect your privacy when using Google Pay. Google will not be responsible for any lapse of security or failed Transactions due to your internet or Device service provider. You must check with your Prepaid Service Provider for the latest plans and details prior to making a transaction. [12] It is the third largest company by market capitalisation of $122.50 billion on the Indian stock exchanges. . 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. During the login/registration process or anytime thereafter, you may be asked to provide information such as your name, phone number, Payment Instrument information (including, but not limited to, your bank name and bank account number, credit card/debit card details, if applicable), date of birth, and/or other registration information. You agree and specifically consent that Google may, through automated means, access your Google Pay navigational, log, and correspondence information/data. Repayment of Loan Facility Amount. [22], On April 4 2022, HDFC Bank announced merger with HDFC Limited. YOU MAY INCUR FEES, SUCH AS OVERDRAFT FEES OR OTHER CHARGES AS A RESULT OF SUCH TRANSACTIONS, PER YOUR AGREEMENT WITH YOUR ISSUER, OR YOUR ATTEMPT TO MAKE A PURCHASE OR REDEMPTION MAY NOT BE SUCCESSFUL. You may only use Google Pay Services to process a Transaction to make payment for legitimate and bona fide purposes including purchase of goods and services. For the exact roles and responsibilities of Google Pay, PSP and NPCI in a UPI Payment Transaction, please refer. Disbursement of Loan Facility Amount. Google will not be a party to your transactions with a buyer of your goods or services and does not take any responsibility for the goods or services sold. "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. 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.
In the event that a Transaction is rejected or is unable to be completed, we will either transfer the funds back to the Senders Funding Account or will handle the funds in accordance with Applicable Laws or Payment Participants Rules. If you are a Merchant wanting to use Google Pay to accept payments from your end users through the BHIM UPI Infrastructure, your limited right to use the Google Pay Trademarks and Google Pay Logos will be as per theseGoogle Pay Brand Guidelines. Waiver and Release. 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. Transaction Records. Any real-time communication regarding the product or service under Business Pages would be between you and the buyer, with no Google interference. 50,000 (Indian Rupee Fifty Thousand) or above, You will be required to provide a copy of Your PAN Card. In the event of any complaints regarding Google Pay Services, please contact Google and we will work with you to resolve it, where possible. Google is not responsible for the content of such offer or for the Loan Facility. Google Pay ("Google Pay" or "Google Pay App") is a payment solution application which facilitates Google Pay Service. The content of the communication must comply with these Combined Google Pay Terms and in particular, theGoogle Pay Policies. We are not liable for (i) delays in payment realisation by the Biller; (ii) delay, failure or reversal of Transactions; or (iii) your failure to schedule payment dates in a timely manner. In the event that the Senders Payment Instrument issuer requests a chargeback for a Transaction, Google reserves the right to reverse the Transaction amount. Bill Payment Services. If you desire to use BHIM UPI to send or receive payments, you may use Google Pay to register with a BHIM UPI Payments System Provider partnered with Google and create your BHIM UPI user credentials, such as your BHIM UPI ID (virtual payment address) and/or BHIM UPI PIN (MPIN) linked. Some of the Google Pay features may be supported by advertising revenue and may display advertisements and promotions. Its first corporate office and a full-service branch at Sandoz House, Worli were inaugurated by the then Union Finance Minister, Manmohan Singh. You agree to release Google and Group Companies, and their agents, contractors, officers and employees, from all claims, demands and damages (actual and consequential) arising out of or in any way connected with a dispute. Payment Transaction. Googles role would merely be that of a technology service provider to you, assisting you with setting up your Business Page. You will be solely responsible for any unauthorised access or use of Your personal or financial information through Your Google Account on Google Pay. You understand and agree to the following: Disclaimer of Googles Liability. We do not warrant that the functions contained in Google Pay will be uninterrupted or error free, and we shall not be responsible for any Service interruptions (including, but not limited to, power outages, system failures or other interruptions that may affect the receipt, processing, acceptance, completion or settlement of Payment Transactions). Google is not liable for any actions or inactions of such Third Party Providers. 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. Google reserves the right to suspend or terminate your use of Google Pay Services, in whole or in part, in the event of any communication that is not in compliance with the Google Pay Policies or these Combined Google Pay Terms. The actual mobile, data or any other service service is provided by the prepaid service providers like telecommunications service provider whose account You hold ("Prepaid Service Providers"), or by their distributors and aggregators and not by Google Pay. You are responsible for the accuracy of the details entered by You to make a payment or recharge your account. Any translation provided may not accurately represent the information in the original English. Please ensure that you review and confirm all Loan Facility Information provided either by You or by the Credit Institution in the course of applying for the Loan Facility. In addition, Google Pay allows you to communicate with or receive communications, offers and services from other Users, service providers, Banks, Merchants and Billers. 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. You are responsible to ensure that your KYC details with the Credit Institutions are current and accurate at the time of applying for the Loan Services Facility on the Google Pay App. You may also receive payments from other Users or third parties in the Payment Instrument you designated in Google Pay to receive funds. Google will display such information on Google Pay, from time to time, as may be provided and updated by MMTC in relation to the Gold for general information purposes. Upon EMI due date, the EMI payment amount will be directly debited by Your Credit Institution from your account held with them. "Bill Payment Services" means the facility provided to Users on Google Pay to view bills or pre-paid plans and make payments to Billers and receive other ancillary services. [31][32], On 29 January 2020, RBI imposed a monetary penalty on HDFC Bank for failure to undertake on-going due diligence in case of 39 current accounts opened for bidding in the initial public offer. 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. 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 understand that a payment Transaction is solely between the Sender and the Recipient and Google does not provide any guarantees or warranties with respect to any User, Biller, Merchant, third party or any service, good or delivery level commitment provided by such User, Biller, Merchant or third party. You are hereby given a limited license to use the Google Pay Service, subject to your agreement of these Terms. Google does not determine, advise or in any manner control the commercial terms of the Payment Transaction, including the price of products and services offered for sale. In case of Your demise, the nominee, subject to providing valid documentation, will be allowed to claim the Gold in Your Gold Account. We may decline to process any Payment Transaction without prior notice to Sender or Recipient. Privacy. The rights you grant in this license are for the limited purpose of operating, promoting, and improving Google Pay Services, and to develop new ones. It is possible that as a result of disabling the Google Account by you, some account specific data may be lost or purged and may not be retrievable. "Transaction" or "Payment Transaction" means (i) the payment request made by the User for sending or receiving payments; and (ii) the payment instructions provided by the Sender for debit of his/her Funding Account. The reporting and payment of any applicable taxes arising from the use of Google Pay Services is your responsibility. In such case, You confirm and acknowledge that You have provided a true copy of Your PAN Card and it has not been forged or tampered. You agree that Google or the Credit Institutions may send You offers pertaining to Credit Cards and related offers or services for which you are eligible. Nothing in these Combined Google Pay Terms modifies any such issuer terms. 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 any rectification of any discrepancy related to your Credit Card, or to close or terminate your Credit Card, you will be required to engage directly with the Credit Institution per the terms of Your Credit Card agreement with the Credit Institution. 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. If you disable your Google account, all related accounts, including your Google Pay account will be suspended. Carefully Review your Credit Card Application. The Loan Facility amount will be directly credited into Your account held with the Credit Institution. Google may facilitate provision of third party products or services to you within Google Pay. Google may, in certain scenarios, act as an intermediary and operate as a payment collection agent for the limited purpose of receiving funds on behalf of the Recipient. You agree not to make any offers, promotions or advertisements to other Users directly through the Communication Platform. For any rectification of any discrepancy, you will be required to engage directly with the Credit Institution. [35], On 27 May 2021, RBI imposed a penalty of Rs 10 crore on HDFC Bank for deficiencies in regulatory compliances with regard to its auto loan portfolio.The said penalty was imposed in regards to the contraventions of certain provisions of the Banking Regulation Act, 1949. for advertisements) by any entity other than Google (in other words, Google India Digital Services Private Limited). Transaction Limits. If any provision of the Combined Google Pay Terms is or becomes, in whole or in part, invalid or unenforceable but would be valid or enforceable if some part of that provision was deleted, that provision will apply with such deletions as may be necessary to make it valid. "BBPOU" means Bharat Bill Payment Operating Unit operating under the applicable Bharat Bill Payment System regulatory framework. Hosting Information. 634.91 Cr Towards CSR in FY 2020-2021", "RBI asks HDFC Bank to halt issue of new credit cards, planned activities under Digital 2.0", "Explained: Why RBI has asked HDFC Bank to stop digital launches, new credit card sourcing", "A HDFC bank manager arrested for Rs 59.41 lakh fraud in Odisha", "Altico and Mashreq approach RBI against HDFC Bank", "Reserve Bank of India imposes Rs 10 crore penalty on HDFC Bank", "HDFC Bank wins microfinance award from NABARD in Goa", "Bank of the Year/ Digital Bank: HDFC BANK", "Mr. Kaizad Bharucha, Executive Director, HDFC Bank accepted the Best Private Sector Bank award on behalf of the bank from Mr. Narayanan Vaghul, former chairman, ICICI Bank at a glittering ceremony organized in Mumbai on January 10th", "HDFC Bank has been adjudged winner in the 'Innovation and Inclusiveness in Priority Sector Lending' category at the 11th Inclusive Finance India Awards (IFI) 2019", "HDFC Bank retains ranking as India's valuable brand", "HDFC Bank Awards - Consistently Awarded among India's Best Bank", "Business Today Money Today Financial Awards 2019", "HDFC Bank bags the 'Best Bank in India' title by FinanceAsia magazine expect this big measures in 2019 from the lender", "Millward Brown Top Global Brands 2019", Chartered Bank of India, Australia and China, Mercantile Bank of India, London and China, Structured Financial Messaging System (SFMS). If you do not agree to such automatically requested and received Updates, then please do not use the Google Pay App. EACH GOOGLE PARTY DISCLAIMS WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE SERVICES, NONINFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. "GAP" shall mean the Gold Accumulation Plan provided by MMTC. After exercising these options you can approach the Banking Ombudsman and or the Ombudsman for Digital Complaints, as the case may be. You may need to accept additional terms and conditions and meet additional requirements to use these third party services. In such event, Google may take any action it deems necessary including crediting Your bank account and having MMTC repurchase Your Gold. Googles role vis-a-vis such Credit Cards shall be limited to providing technology services related to Credit Cards offered by Credit Institutions and collaborating with Credit Institutions to provide services and offers related to Credit Cards that may be uniquely available to Google Pay users (e.g., Axis Bank ACE Card, which is issued by Axis Bank and marketed in collaboration with Google). Communications with Payment Participants. "Funding Account" means a credit card, bank account (through debit card or netbanking), BHIM UPI account or pre-paid payment instrument (such as cash card or e-wallet) that is registered or used by the User to fund Payment Transactions. "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. Limits on holding or Purchase of Gold. However, all Gold Transactions are conducted between You and MMTC only. means Us, a Third Party Application Provider (TPAP) who provides Google Pay, a UPI compliant application to Users to facilitate UPI based payment transactions. 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. 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. Definitions appearing in this Google Pay Terms: "Applicable Law" means all applicable laws, rules, regulations, guidelines, statutory or government notifications including Reserve Bank of India regulations and Payment Participant Rules. 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. [23], In March 2020, Housing Development Finance Corporation, parent company of HDFC Bank, made an investment of 1,000 crores in Yes Bank. If you choose to delete or wipe-out any information or data from Google Pay or your Google Account or you or Google choose to terminate the use of your Google Account or Google Pay Services, you understand that we may still retain, use and/or disclose such information/data for legal reasons detailed in theGoogle Privacy Policy. However, nothing in these Combined Google Pay Terms shall constitute a waiver of any rights, claims or defenses that you may have with respect to a Payment Transaction under the respective Payment Participants Rules or Applicable Laws. On 14 March, Yes Bank allotted 100 crore shares of the face value of 2 each for consideration of 10 per share (including 8 premium) to the Corporation aggregating to 7.97 percent of the post issue equity share capital of Yes bank. You understand that the plans provided on Google Pay are for reference purposes only. We or Payment Participants may establish general practices and limits concerning the use of Google Pay. TheGoogle Pay Policiesestablish the purposes for which Google Pay Services may not be used to make or receive payments. By opening a Gold Account on Google Pay, You expressly authorize Google Pay to access, use and store Gold transaction information and other information related to Your Gold Account on an ongoing basis for the purpose of providing you with services on Google Pay. Sender) and makes the funds available in the Payment Instrument designated by the Recipient. Its American depositary receipts are listed on the NYSE issued through JP Morgan Chase Bank. In addition to other clauses in the Combined Google Pay Terms, you agree and specifically consent that we may collect, store, and use your personal data and any communications made through Google Pay, in accordance with Applicable Laws and our Privacy Policy. Googles Use of Third Party Providers. "Loan Facility" means the loans and advances offered by a Credit Institution to You as per Your agreement with the Credit Institution. Customers Bank means the bank where the User maintains his/her Funding Account and has linked that Funding Account for the purpose of debiting/crediting the Payment Transactions through UPI. [24] As per the scheme of reconstruction of Yes Bank, 75% of the total investment by the corporation would be locked in for three years. If there is any conflict between these Google Pay Terms and the Universal Terms, these Google Pay Terms will prevail. It has installed 430,000 POS terminals and issued 23,570,000 debit cards and 12million credit cards in FY 2017. Fees may be determined by Google in its sole discretion and any fees charged will be inclusive of all applicable taxes. [20], In 2021, the bank acquired a 9.99% stake in FERBINE, an entity promoted by Tata Group, to operate a Pan-India umbrella entity for retail payment systems, similar to National Payments Corporation of India. [19], In 2008, Centurion Bank of Punjab (CBoP) was acquired by HDFC Bank. Prepaid Recharges. If you host Business Pages as part of Google Pay Services, you will not use the Business Pages (a) for illegal purposes, or in support of illegal activities; (b) to promote or facilitate an unlawful transaction or the sale or exchange of any unlawful or prohibited products or services; (c) in connection with content or activities that are deceptive or that are prohibited under the Google Pay Policies , Google Pay Policies for Businesses or the Play Policy; (d) in any way that suggests that your activity is endorsed by Google; (e) in any way that may damage Googles reputation or goodwill; or (f) on in any way that is not compliant with the Applicable Law. 
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