Axis Bank 0 Balance Account Terms And Conditions

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Florio Bessinger

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Aug 3, 2024, 12:18:15 PM8/3/24

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Applicable Terms. Thank you for using Google Pay. For purposes of the Combined Google Pay Terms (defined below), "Google Pay" is a service that is provided to users resident in India by Google India Digital Services Private Limited with registered office at 5th floor, DLF Centre, Block 124, Narindra Place, Sansad Marg, New Delhi - 110001 ("Google"), and was previously named Tez. By accessing, downloading or using Google Pay, you agree to comply with and be bound by the following:

Please read each of these Combined Google Pay Terms carefully, starting with the Universal Terms as they contain important information about your legal rights, remedies and obligations. These Combined Google Pay Terms constitute a legally binding agreement between you and Google governing your access to and use of the Google Pay Services (as herein defined). If you do not understand these documents or do not accept any part of them, then you should not use the Google Pay Services. You understand that services may be offered incrementally on Google Pay, and that these Combined Google Pay Terms may be applicable accordingly.

Use of Google Group Companies. 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.

You further understand and agree that Google reserves the right to update any of these Combined Google Pay Terms from time to time. You must ensure that you keep yourself up-to-date and read the Combined Google Pay Terms at close intervals. If there is any conflict between these Google Pay Terms and the Universal Terms, these Google Pay Terms will prevail.

Third Party Terms and Conditions. Google may facilitate provision of third party products or services to you within Google Pay. In order to use these third party products or services, you may need to accept additional terms and conditions and meet additional requirements.

"Applicable Law" means all applicable laws, rules, regulations, guidelines, statutory or government notifications including Reserve Bank of India regulations and Payment Participant Rules.

"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.

"Credit Institutions" means banks, non-banking financial institutions and other credit providers that have the requisite permissions from the applicable regulatory authorities to provide advances and loans to users.

"Credit Score Simulator" is a tool provided by TUCIBIL on Google Pay to educate You on how Your interaction with financial services products that You use impacts Your existing CIBIL Score, For example, the impact of non-payment of credit.

"End User Permitted Purpose" means use of the Credit Information for the sole purpose of providing You access to Your Credit Information as and when requested by You on Google Pay subject to the terms below.

"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 Pay Service(s)" or "Service(s)" means the Payment Transaction facilitation services, mobile recharges, Bill Payment Services and other services provided by Google through Google Pay App or other platforms.

"Merchant" means a person or entity who/which (i) avails the Google Pay for Business Program; or (ii) provides Google Pay as a payment option to its customers through a Payment Participant; or (iii) uses Google Pay to collect payments from its customers for goods and services purchased from a merchant either offline or through any online platforms.

"P2P Payment" or "Peer to Peer Payment" means a payment initiated by a User using the P2P Service that debits (or charges) a Funding Account of the User (i.e. Sender) and makes the funds available in the Payment Instrument designated by the Recipient.

"Payment Instrument" means, including but not limited to, a credit card, debit card, bank account, or prepaid payment instrument, including e-wallets and gift cards issued under Applicable Law, that is eligible for use by a User to fund Payment Transactions or a Recipient to receive payments.

"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.

"Payments System Provider Services" means payment gateway system/interface/services provided to route payment instructions to Payments Participants for (i) Card Transactions, (ii) BHIM UPI based Transactions; (iii) net banking, (iv) prepaid payment instrument; and provide authentication and authorization from issuers, card associations, NPCI and/or other third party clearinghouses; and/or (v) provide settlement facilities in respect of payment instructions initiated by the User.

"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.

Google Pay may facilitate provision of third party products or services to you within Google Pay. These third party products or services are offered by parties other than Google, and are subject to third party terms. You may need to accept additional terms and conditions and meet additional requirements to use these third party services. You should only transact with a third party product or service that you trust. 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.

Mechanics of Payment Transaction. The Payment Transactions or any communication/offers carried out through Google Pay are solely between the Sender and Recipient of the payment. Google Pay creates a link between the Sender, the Recipient and the respective Payments System Providers to facilitate sending and/or receiving payments using Payments System Provider Services. Once a Payment Transaction has been authenticated, authorised and processed through the Payments System Provider Services:

Bill Payment Services. Google Pay facilitates bill payment services that allow You to view Your bills or eligible pre-paid plans and make payments to Billers through the Google Pay App. You understand that the Bill Payment Services provided through Google Pay are either provided (i) by a Bharat Bill Payment Operating Unit ("BBPOU") under the Bharat Bill Payment System ("BBPS") infrastructure, where the Biller is registered with NPCI to participate within BBPS; or (ii) by a Biller aggregator with whom Google has entered into a contractual arrangement. You further understand that Google Pay only facilitates bill presentment and bill payment and is either (i) an agent of the BBPOU in accordance with Applicable Law, where the Biller is registered with NPCI for BBPS; or (ii) a bill payment facilitator.

Google Pay Gold Services. Google Pay provides a technology platform to MMTC - PAMP ("MMTC") to offer Gold for sale, delivery and repurchase and other related services by MMTC to the Customers. You agree and acknowledge that the terms and conditions available at MMTC Terms govern your GAP. Google will have no liability to You in relation to Your GAP.

Age Restrictions. You must be 18 years of age or older, in order to use Google Pay. 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. You will be responsible for all actions these individuals take in and/or through your Google Account on Google Pay.

Territorial Restrictions. To use Google Pay, you will need to be physically located in India when registering or linking your Google Account on Google Pay, have an Indian bank account and an Indian mobile number. The Google Pay App should not be used outside of India.

Basic Use Requirements. You will need a mobile, internet or any other supported device ("Device") that meets certain system and compatibility requirements, which may change from time to time to use Google Pay. Your ability to use Google Pay and the performance of Google Pay App may be affected by these factors. You agree that you are responsible for such requirements, including any applicable changes, updates, fees and all other terms provided under your agreement with your mobile device and telecommunications provider. Google will not be responsible for any lapse of security or failed Transactions due to your internet or Device service provider.

Updates. You may need to install updates to your Google Pay App or related Google software that Google introduces from time to time to access, use, or continue to use Google Pay Services. 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"). Your use of Google Pay requires that you have agreed to receive such automatically requested Updates. If you do not agree to such automatically requested and received Updates, then please do not use the Google Pay App. Notwithstanding the foregoing, Google may update the Google Pay App to a new version of such app, irrespective of any update settings that you may have selected within the Google Pay App or your device, if Google determines that the update will fix a critical security vulnerability related to the Google Pay App.