Google Pay ke Terms kaa Additional Document: Non-Resident Indians ke liye Google Pay ke Terms Of Service

INDIAN RESIDENTS KE LIYE GOOGLE PAY KE TERMS OF SERVICE

Last update ki date: 11 December, 2024

1. Introduction

Apply hone wale Terms. Google Pay use karne ke liye thank you. Hum aapko Google Pay ke Combined Terms (neeche define kiya gaya hai) ke baare mein bata rahe hain. Yahan "Google Pay" se hamaara matlab us service se hai jise India mein rahne wale users ko, Google India Digital Services Private Limited available karaati hai. Iska registered office 5th floor, DLF Centre, Block 124, Narindra Place, Sansad Marg, New Delhi - 110001 ("Google") hai. Pahle iska naam Tez thaa. Google Pay ko access, download yaa use karne kaa matlab hai ki aap in sabhi terms ko poora karne ke liye sehmat hain:

Google ke Terms of Service ("Universal Terms");
Indian Residents ke liye, Google Pay ke Terms of Service ("Google Pay ke Terms");
Google ki Privacy Policy ("Privacy Policy");
Google Pay ki Policies ("Google Pay ki Policies");
Google Pay ke Offer ke Terms of Services ("Google Pay ke Offers ke General Terms"); aur
Google Pay ki Complaints Handling Policy ("Complaints Handling Policy").

In 6 documents ko ek saath yahan "Google Pay ke Combined Terms" kaha gaya hai.

Google Pay ke in Combined Terms ko dhyaan se padhein. Iski shuruaat Universal Terms se karein, kyonki inmein aapke legal rights, remedies, aur obligations se related information di gai hai. Google Pay ke ye Combined Terms, Google Pay ki services ke access aur use (jaisa ki yahan bataaya gaya hai) ke liye, aapke aur Google ke beech binding legal agreement kaa kaam karte hain. Agar aapko in documents kaa content samajh nahi aa raha hai yaa inke kisi part se aap sehmat nahi hain, to aapko Google Pay ki Services ko use nahi karna chaahiye. Aapko yah jaankari hai ki Google Pay mein services ek-ek karke available hoti hain aur Google Pay ke ye Combined Terms isi hisaab se apply ho sakte hain.

Google ki Group Companies ki Services kaa Use. Aapko yah jaankari bhi hai aur aap isse sehmat bhi hain ki Google ke behalf par Google Pay ki services dene ke liye, Google apni Group Companies (jinke baare mein yahan bataaya gaya hai) ki services use karne kaa right reserve rakhta hai.

Aapko iski bhi jaankari hai aur aap sehmat hain ki Google, Google Pay ke in Combined Terms mein se kisi ko bhi time to time update karne kaa right reserve rakhta hai. Google Pay ke in Combined Terms ko time to time padhein aur khud ko up-to-date rakhein. Agar Google Pay ke Terms aur Universal Terms match nahi hote hain, to Google Pay ke ye Terms hi apply honge.

Google Pay ke Combined Terms accept karne kaa matlab hai ki yah information sahi hai aur iski poori guarantee aapki hai:

Aapki age 18 saal yaa isse zyaada hai;
Aap kisi binding legal agreement ke liye capable hain; aur
Indian laws ke tahat, Google Pay ko access karne yaa use karne ko lekar aap par koi rok nahi lagaai gai hai aur na hi kisi aur tarah ki koi paabandi hai.

Parent yaa legal guardian ki permission. Aapne accept kiya hai ki aapki age 18 saal se kam (“Teen(s)”) hai aur Google Pay use karne ke liye, aapke paas parent yaa legal guardian ki permission hai. Please, unse kahein ki ve Google Pay ke Combined Terms padhkar accept karein.

Agar aap kisi Teen ke parent yaa legal guardian hain, to usey Google Pay ko use karne ki permission dene par, Google Pay ke Combined Terms aap par apply honge aur Google Pay par ki gai uski har activity ki responsibility aapki hogi. Is vajah se, Google Pay ko Teen tab tak use nahi kar sakta, jab tak ki uska legal guardian yaa parent, Google Pay ke Combined Terms ko accept nahi kar leta.

Third Party ke Terms aur Conditions. Google aapko Google Pay mein third party ke product yaa services available kara sakta hai. Third party ke in products yaa services ko use karne ke liye, aapko additional terms aur conditions accept aur additional requirements poori karni pad sakti hain.

2. Definitions

Google Pay ke in Terms mein shaamil words ki definitions:

"Apply hone wale Law" kaa matlab apply hone wale sabhi laws, rules, regulations, guidelines, statutory yaa government ke notifications se hai. Ismein Reserve Bank of India ke regulations aur Payment Process karne wale Participant ke Rules bhi shaamil hain.

"BBPOU" kaa matlab Bharat Bill Payment Operating Unit hai. Yah unit, Bharat Bill Payment System ke laagoo hone wale regulatory framework ke tahat operate karti hai.

"Biller" kaa matlab customer ko bill issue karne wali us entity se hai jise users Google Pay se bill pay kar sakte hain. Billers mein Prepaid Service Providers bhi shaamil hain. Biller ko kisi biller aggregator yaa kisi BBPOU ke zariye, Google Pay se payment kiya jaa sakta hai.

"Bill Payment ki Services" kaa matlab Google Pay par Users ko milne wali vah facility hai jisse ve Billers ke bills yaa pre-paid plans dekh sakte hain aur payments kar sakte hain. Saath hi, doosri services paa sakte hain.

“Credit Card” kaa matlab, kisi Credit Institution ke saath Aapke agreement ki basis par offer kiye gaye kisi credit card se hai.

“Credit Card Services” kaa matlab, Google Pay ki un services se hai jinke zariye kisi Credit Institution ke Credit Cards, related offers, aur offer ki services ke liye apply kiya jaa sakta hai aur unhein manage kiya jaa sakta hai.

“Credit Information” kaa matlab, Aapka Credit Score aur Aapki Credit Information Report jaisi aapki specific credit information se hai.

“Credit Information Report” ko TUCIBIL aapke liye generate karta hai, jise GPay par dekha jaa sakta hai.

"Credit Institutions" kaa matlab banks, non-banking financial institutions, aur doosre credit providers se hai, jinke paas users ko advances aur loans dene ke liye, related regulatory authorities ki zaroori permissions hoti hain.

"Credit Score" kaa matlab vah score hai jo aapki Credit Information Report mein hota hai. Is report ko TUCIBIL, Google Pay par aapke liye generate karta hai.

"Credit Score Simulator" ek aisa tool hai jise Google Pay par TUCIBIL available karaata hai. Iska use Aapko yah bataane ke liye kiya jaata hai ki financial services products kaa istemaal, Aapke maujooda CIBIL Score par kaise asar daalta hai, jaise ki credit kaa payment na karne par kya hoga.

"Customer kaa Bank" matlab vah bank jismein User kaa Funding Account ho aur usey sabhi UPI Payment Transactions ki debiting/crediting ke liye link kiya gaya ho.

"End User Access kaa Purpose" kaa matlab yah hai ki credit information kaa use, sirf aapko Aapki Credit Information kaa access dene ke liye kiya jaayega. Yah access, aapko Google Pay par iske liye request karne par milega aur is par yahan bataaye gaye Terms apply honge.

"Funding Account" kaa matlab koi credit card, bank account (debit card yaa netbanking ke zariye), BHIM UPI account yaa pre-paid payment method (jaise ki cash card yaa e-wallet) hai, jise User ne Payment Transactions ke liye register yaa use kiya hai.

"GAP" kaa matlab Gold Accumulation Plan hai, jise MMTC available karaata hai.

"Gold Account" kaa matlab Google Pay par kisi aise account se hai jise GAP se link kiya gaya ho.

"Gold" kaa matlab aapke GAP account mein maujood gold hai.

"Google Account" kaa matlab vah account hai jise Google Pay aur Google ki doosri services use karne ke liye, Google yaa Group Companies par banaaya jaata hai. Is baare mein zyaada information, Universal Terms mein di gai hai.

"Google Group Companies" yaa "Group Companies" kaa matlab Google ki parent, iski subsidiaries aur associate companies, aur parent company ki ultimate holding company aur iski direct yaa indirect subsidiaries se hai, jinmein unki associate companies shaamil hain.

"Google Pay Services" yaa "Services" kaa matlab Google ki or se Google Pay App yaa doosre platforms par available karaai jaane wali Payment Transaction ki services, mobile recharges, Bill Payment Services, aur doosri services se hai.

"Loan Facility" kaa matlab aise loans aur advances se hai jinhein Aapko Loan dene wali Third Party, agreement ki basis par deti hai.

"Loan Facility Services" kaa matlab Google Pay ki un Services se hai jo aapko Loan dene wali third parties ko loan dene ki facility deti hain.

"Merchant" kaa matlab ek aisa vyakti yaa entity hai jo (i) Google Pay for Business Program mein participate karti hai; yaa (ii) Payment Participant ke zariye, apne customers ko payment option ke taur par Google Pay available karaati hai; yaa (iii) kisi merchant se offline yaa kisi online platform se, goods aur services purchase karne ke payments apne customers se lene ke liye Google Pay use karti hai.

"MMTC" kaa matlab MMTC-PAMP hai. Yah company, Google Pay ke zariye GAP available karaati hai.

"NPCI" kaa matlab National Payments Corporation of India hai. Yah Reserve Bank of India kaa authorized payments system operator hai. Yah UPI kaa owner hai aur ise operate bhi karta hai.

"P2P Service" kaa matlab Google Pay ki Services se hai, jinka use P2P payment transactions ke liye kiya jaata hai.

"P2P Payment" yaa "Peer to Peer Payment" kaa matlab aise payment se hai jise User, P2P Service kaa use karke initiate karta hai. Yah service, User (yaani, Sender) ke Funding Account se amount debit karke yaa charges kaatkar, Paise paane wale vyakti ke select kiye gaye Payment Method mein credit kar deti hai.

"Payment Method" kaa matlab Apply hone wale Law ke tahat issue kiya gaya koi prepaid payment method (e-wallets aur gift cards) yaa credit card, debit card, bank account vagairah hai, jiska use karke User, Payment Transactions kar sakta hai yaa Paise Paane Wala payments paa sakta hai.

"Payments System" kaa matlab vah hoga jo Apply hone wale Law ke provisions mein bataaya gaya hai.

"Payment Participants" kaa matlab un sabhi parties se hai jo payment system mein involved hain. Inmein payment/bill aggregators, Payments System Providers, acquiring banks, partner banks, Paise Bhejne Wale Vyakti ke Funding Account kaa issuer, Paise Paane Wale Vyakti ke bank account kaa issuer, Payment Methods kaa issuer, card associations, NPCI, Reserve Bank of India vagairah shaamil hote hain.

“Payment Service Provider” yaa “PSP” payment system mein shaamil participant banking company hoti hai. Yah UPI framework ke tahat, “Payment Service Provider” ke taur par authorized hoti hai aur users ko UPI services dene ke liye, TPAP ke saath milkar kaam karti hai.

"Payments System Providers" kaa matlab un banks, financial institutions, card associations, aur doosre payment system providers (jinke baare mein Payment aur Settlement Systems Act, 2007 mein bataaya gaya hai) se hai jinke saath Google ne Payments System Provider Services ko use karke Payment Transactions (jiske baare mein neeche bataaya gaya hai) ki facility dene kaa arrangement kiya hai.

"Payments System Provider Services" kaa matlab Payments Participants ko payment instruction dene ke liye payment gateway system/interface/services se hai, jinka use inke liye kiya jaata hai (i) Card Transactions, (ii) BHIM UPI based Transactions; (iii) net banking, (iv) prepaid payment method; aur issuers, card associations, NPCI aur/yaa doosre third party clearinghouses ki or se authentication aur authorization; aur/yaa (v) User ki or se payment instructions milne par settlement facilities available karaana.

"Paise Paane Wala" kaa matlab aisa User, Merchant, Biller yaa third party hai jise kisi Paise Bhejne Wale se payment milta hai.

"Paise Bhejne Wala" kaa matlab aisa User hai jo kisi Paise Paane Wale ko payment karne ke liye, Google Pay ki Services ko use karta hai.

“TPAPs” kaa matlab Hamse, yaani Third Party Application Provider (TPAP) se hai, jo users ko Google Pay available karaata hai. Google Pay, UPI ke saath kaam karne wala application hai, jisse Users, UPI wale payment transactions kar sakte hain.

"Transaction" yaa "Payment Transaction" kaa matlab (i) User ki or se, payments karne yaa paane ke liye ki gai payment request; aur (ii) Paise bhejne wale ki or se, uske Funding Account se paise debit karne ke instructions se hai.

"UPI" kaa matlab Unified Payment Interface hai.

"UPI Transaction Data" kaa matlab UPI se kiye gaye kisi transaction ke data se hai, jaise ki clear text format mein data.

"User" kaa matlab aise vyakti se hai jo payments paane yaa karne ke liye, UPI payment ki suwidha ke saath-saath Google Pay ki Services ke liye register karta hai. Teen ke case mein, uske parent yaa legal guardian bhi User ke taur par shaamil hote hain.

"Hum", "hum" yaa "humein" kaa matlab Google hai.

"Aap", "aap", yaa "aapka" kaa matlab User hai.

3. Google Pay ki Services kaa Scope

Google Pay ("Google Pay" yaa "Google Pay App") ek payment solution application hai, jo Google Pay ki Service deta hai. Google Pay mein accept kiye jaane wale kisi bhi Payment Method kaa use karke, service providers, Users, Merchants, Billers yaa third parties ko payments kiye jaa sakte hain. Saath hi, doosre Users yaa third parties se, us payment method mein payments accept kiye jaa sakte hain jise aapne Google Pay mein paise paane ke liye select kiya hai. Google Pay aapko doosre Users, service providers, Banks, Merchants, aur Billers se communication karne ke saath-saath offers aur services paane ki suwidha bhi deta hai. UPI Payment Transactions ke case mein Google Pay, NPCI ki or se authorized TPAP hai, jo HDFC Bank, Axis Bank, ICICI Bank, aur State Bank of India ke zariye Payment Transactions karta hai. Hum ek service provider hain aur UPI mein PSP Banks ke zariye participate karte hain. Hamne NPCI aur Hamaare sponsor PSPs - HDFC Bank, ICICI Bank, Axis Bank, aur State Bank of India ke saath legal agreement kiya hai. UPI Payment Transaction mein Google Pay, PSP, aur NPCI ke roles aur responsibilities jaanne ke liye, yahan jaayein. Baad mein koi confusion na ho, iske liye hum aapko bata dein ki aap par PSP ke terms aur conditions laagoo hongi. Saath hi, kisi PSP Bank ke paas available aapke personal data ko agar vah PSP Bank, UPI Transactions karne ke dauraan use yaa process karta hai, to un transactions par PSP Bank ki website par di gai privacy policy laagoo hogi.

Google Pay, aapko Google Pay mein hi third party ke products yaa services available kara sakta hai. Ye third party products yaa services, Google nahi balki third parties offer karti hain aur in par third party ke terms laagoo hote hain. Aisa ho sakta hai ki in third party services ko use karne ke liye, aapko additional terms aur conditions accept karne aur additional requirements ko poora karne ki zaroorat pade. Aapko sirf us third party product yaa service ko use karna chaahiye jis par aapko trust ho. Third party product yaa service ko use karne ki vajah se aapko koi loss hone par, Google responsible yaa liable nahi hoga.

Payment Transaction ki Processing. Google Pay ke zariye kiye gaye Payment Transactions yaa koi communication/offers sirf Payment Paane Wale aur Payment Karne Wale ke beech hota hai. Google Pay, Payments System Provider Services ko use karke, Payment Karne Wale, Payment Paane Wale, aur related Payments System Providers ke beech ek link create karta hai, taaki payments kiye aur/yaa paaye jaa sakein. Koi Payment Transaction, Payments System Provider Services ke zariye authenticate, authorize, aur process hone ke baad:

(i) aisa ho sakta hai ki payment, related Payments Participants ki help se, Payment Paane wale ke account mein direct settle ho jaaye; yaa

(ii) kuchh cases mein, hum mediator ke taur par kaam karte hain aur Payment Paane wale ki taraf se, Payment Transaction ke paise accept kar sakte hain. Aise cases mein Google, Payment Paane Wale ke payment collection agent ke taur par kaam karta hai, jo sirf Users se paise accept karta hai.

Payment Transactions mein Google kaa Role. Aapko yah jaankari hai aur aap sehmat hain ki:

Google sirf Payment Transactions ki facility deta hai.
Google in Payment Transactions mein koi party nahi hai.
Google koi Payments System Provider nahi hai.
Google kuchh cases mein, Payment Paane Wale ki taraf se mediator aur payment collection agent ke taur par kaam kar sakta hai, jiska kaam sirf paise accept karna hoga.
Google, purchased products yaa services ke kisi bhi aspect ke liye responsible nahi hai aur na hi hoga.
Google Pay ke zariye, aapke yaa aapke saath kiye jaane wale kisi bhi communication ke liye, Google responsible nahi hai aur na hi hoga. Saath hi, aapko diye jaane wale offers ke liye bhi Google responsible nahi hai aur na hi hoga.
Payment Transactions se related disputes, chargebacks yaa reversal mein Google koi party nahi hai aur inke liye Google responsible bhi nahi hoga.
Google, Users ke kisi bhi action ke liye responsible nahi hai. Ismein Transaction ko complete na karna bhi shaamil hai.
Transaction ki facility is baat ki guarantee nahi hai ki Payment Karne Wale ke Funding Account mein us payment ke liye zaroori paise available hain aur Transaction ko authorize yaa process kar hi diya jaayega. Saath hi, is baat ki bhi guarantee nahi hai ki Transaction ke baad, chargeback yaa reversal ki condition nahi banegi.
Google kisi bhi Payment Transaction ke liye, na to trustee ke taur par kaam karta hai aur na hi uski koi legal responsibility hoti hai.
Google, Payment Transaction se related commercial terms ko decide karne, unke liye advice dene yaa kisi bhi tareeqe se unhein control karne jaise kaam nahi karta. Google, sale ke liye offer kiye gaye products aur services ke price ke liye bhi responsible nahi hota.

Google ki Liability kaa Disclaimer. Google aapke purchase kiye gaye products yaa services, aapke saath kiye gaye kisi bhi communication yaa aapko diye gaye kisi bhi offer ke kisi bhi aspect ke liye responsible nahi hai. Payment Paane Wale ke liye, payment collection agent ke taur par kaam karne ke baawjood, Google inke liye liable yaa responsible nahi hoga: Kisi product aur/yaa service ke baare mein galat claim karna aur warranty dena, sales ke baad di jaane wali yaa warranty se related services available na karaana, Merchant ke sale kiye gaye products aur/yaa services se related fraud hona.

Bill ke Payment ki Services. Google Pay, bill ke payment ki services deta hai. Isse bills yaa zaroori terms poore karne wale pre-paid plans dekhe jaa sakte hain. Saath hi, Google Pay App ke zariye, billers ko payments kiye jaa sakte hain. Aapko yah jaankari hai ki Google Pay ke zariye milne wali, Bill ke Payment ki Services yaa to (i) Bharat Bill Payment System ("BBPS") infrastructure ke tahat Bharat Bill Payment Operating Unit ("BBPOU") deti hai, jahan Biller, BBPS mein participate karne ke liye NPCI mein registered hai; yaa (ii) Biller aggregator deta hai, jiske saath Google ne contractual arrangement kiya hai. Aapko yah jaankari bhi hai ki Google Pay sirf bill present karta hai aur bill ke payment ki facility deta hai. Yah (i) Apply hone wale Law ke mutaabiq, BBPOU kaa agent hai, jahan Biller, BBPS mein participate karne ke liye NPCI mein registered hai; yaa (ii) bill ke payment ki facility dene wala platform hai.

Credit Card ki Services. Google Pay Aapko Credit Institutions ki taraf se, Credit Card ke offers dikhaane ke liye, ek technology platform ki tarah kaam karta hai. Aapko yah jaankari hai aur aap sehmat hain ki aise kisi bhi Credit Card ke terms, Aapke aur Credit Institution ke beech us Credit Card ke liye kiye gaye agreements ke terms ke hisaab se laagoo honge. Google aise kisi bhi agreement mein koi party nahi hai aur ismein uska koi role nahi hai. Saath hi, vah Card ki Application ko approve yaa decline kiye jaane se related koi representation nahi karta hai aur na hi koi guarantee yaa warranty deta hai. Credit Card issue karne kaa decision sirf Credit Institution apni samajh se leta hai. Aise Credit Cards ke case mein Google ke sirf ye roles honge: Credit Institutions ki taraf se offer kiye jaane wale Credit Cards se related technology services dena aur Credit Institutions ke saath milkar Credit Cards se related service aur offers available karaana, jo khaas taur par ho sakta hai ki Google Pay ke users ke liye available hon. Example ke liye, Axis Bank kaa ACE Card. Is card ko Axis Bank issue karta hai aur Google ke saath milkar iski marketing ki jaati hai.

Loan Facility Services. Google Pay, Loan dene wali third parties ki taraf se Aapko Loan Facility ke offers dikhaane ke liye, ek technology platform ki tarah kaam karta hai. Aapko yah jaankari hai aur aap sehmat hain ki aise Loan ki Facility ke terms, Aapke aur Loan dene wali third party ke beech huye loan ke agreements ke hisaab se tay honge. Google, aise loan agreements mein koi party nahi hai. Aise transactions ke case mein Google kaa role sirf ek intermediary technology platform tak limited hoga.

Google Pay ki Gold Services. Google Pay, MMTC - PAMP ("MMTC") ko technology platform available karaata hai, taaki MMTC, Customers ko sale, delivery, aur repurchase ke saath-saath doosri related services ke liye Gold available kara sake. Aap sehmat hain aur aapko yah jaankari hai ki aapke GAP par, MMTC ke Terms mein maujood terms aur conditions laagoo hongi. Aapke GAP ke case mein, aapke liye Google ki koi liability nahi hogi.

Business ke Pages. Google Pay par aapko apne business kaa page publish karne aur usey operate karne ki facility milti hai. Business ke Page par apne business ki information dene ke liye, available item yaa services kaa catalog dikhaaya jaa sakta hai. Saath hi, kuchh products aur services ki list alag se display ki jaa sakti hai. Is page kaa URL apne network mein kisi ke saath bhi share kiya jaa sakta hai. Aapko yah jaankari hai aur aap sehmat hain ki apne Business kaa Page share karne par, aapki profile picture aur naam ko share kiya jaayega. Saath hi, ye donon publicly available ho jaayenge. Business ke Pages create karke aur P2P Payments ko use karke, har maheene INR 50,000 tak ke products aur services ko sell kiya jaa sakta hai. Haalanki, Google is default amount se zyaada ki permission bhi de sakta hai. Saath hi, Apply hone wale Law ko maanna bhi zaroori hai. Google, aapke aur products yaa services purchase karne wale ke beech huye transactions mein koi party nahi hoga. Saath hi, sell kiye gaye products yaa services ki bhi responsibility Google nahi leta. Catalogue, inventory, pricing, logistics, warehouse management, delivery yaa customer ko item bheje jaane ki process par Google kaa koi control nahi hota hai aur na hi vah us par nazar rakhta hai. Business ke Page, uske content, aur usse related transactions ki responsibility poori tarah se aapki hogi. Google kaa role sirf technology services provider kaa hoga, jo aapko Business Page set up karne mein help karega. Business ke Pages mein kisi bhi product yaa service ke baare mein koi bhi real-time communication aapke aur khareedaar ke beech hoga. Usmein Google kaa koi interference nahi hoga. Google, Business ke Pages ke liye customer support available nahi karaata hai aur na hi kisi transaction kaa status track karne mein help karta hai. Business ke Pages se user jo products, services yaa information leta hai, Google uski quality ki koi warranty nahi deta aur na hi iske liye responsible hota hai. Google ki iske liye bhi koi responsibility nahi hoti ki aise product yaa services, user ki expectations ko poora karenge. Aapke business ke customers ki complaints yaa disputes ki responsibility aapki hogi. Google, Business ke Pages par customer ki kisi bhi complaint ke liye responsible nahi hoga. Agar aapko is facility ke terms of service accept nahi hain yaa aapko unhein accept nahi karna hai, to application mein diye gaye management ke options use karke, Business ke Page ko kisi bhi time hata dein.

4. Google Pay kaa Aapka Use

Age se related Restrictions. Google Pay ko use karne ke liye, aapki age 13 saal yaa isse zyaada honi chaahiye. Agar aapne kisi bhi vyakti ko Google Pay par aapke Google Account ko use karne ki permission di hai, to yah ensure karna aapki responsibility hai ki vah vyakti Google Pay ke Combined Terms ke mutaabiq uska use kare. Google Pay par aapke Google Account mein aur/yaa uske zariye kiye gaye, is vyakti ke sabhi actions ki responsibility aapki hogi.

Territory se related Restrictions. Google Pay kaa use karne ke liye, Google Pay par apne Google Account ko register yaa link karte time aapka India mein rahna zaroori hai. Saath hi, aapke paas Indian bank account aur Indian mobile number hona chaahiye. Google Pay App kaa use, India mein hi kiya jaana chaahiye.

Use ke liye Basic Requirements. Google Pay kaa use karne ke liye, aapke paas mobile aur internet connection yaa koi aisa device ("Device") hona chaahiye jo system aur Google Pay ko use karne ki requirements ko poora karta ho. Ye requirements time to time change ho sakti hain. Google Pay kaa use karne ki aapki ability aur Google Pay ki performance par inse asar pad sakta hai. Aap sehmat hain ki in requirements ko poora karna aapki responsibility hai. Inmein aapke mobile device aur telecommunications provider ke beech huye agreement mein mentioned apply hone wale changes, updates, fees, aur doosre terms bhi shaamil hain. Agar internet yaa Device service provider ki vajah se, security mein koi error hoti hai yaa Transactions nahi ho paate hain, to iske liye Google responsible nahi hoga.

Updates. Google Pay ki Services access karne, use karne yaa unka use continue rakhne ke liye, aapko Google Pay App yaa related Google software ke updates ko install karna pad sakta hai. Google ye updates time to time available karaata hai. Aapka Google Pay App, Google Pay ke liye available updates kaa pata lagaane ke liye, Google ke servers se time to time communicate kar sakta hai. In updates mein, bugs ko fix karna, patches, functions ko improve karna, plug-ins add karna, aur naye versions ke update vagairah shaamil ho sakte hain. Inhein collectively "Updates" kaha jaata hai. Google Pay kaa use karne ke liye yah zaroori hai ki aapne automatically request kiye jaane wale in updates ke liye sehmati di ho. Agar aapne inke liye sehmati nahi di hai, to Google Pay App ko use na karein. Oopar di gai information ke baawjood, Google aapke Google Pay App ko naye version par update kar sakta hai. Phir chaahe aapne Google Pay App yaa apne device mein update ki koi bhi setting select ki ho. Agar Google yah tay karta hai ki Google Pay App mein security se related problem ko update se fix kiya jaa sakta hai, to vah Google Pay ko update karega.

5. Google Pay ki Services ko Set Up karna

Google Pay ko use karne ke liye, aapke paas Google Account hona chaahiye. Agar aapke paas pahle se koi Google Account nahi hai, to Google Pay par jaakar account create kiya jaa sakta hai. Google Pay par Google Account mein login karne par, Google Pay ki Services chaaloo ho jaayengi. Haalanki, iske liye zaroori hai ki aap Google Pay ke Combined Terms ko accept karein. Apna Google account band karne par, usse related sabhi accounts suspend kar diye jaayenge. Ismein aapka Google Pay account bhi shaamil hai. Google Account ko phir se chaaloo karne ki request ki jaa sakti hai. Isse aapko apne Google Pay Account kaa access bhi phir se mil jaayega. Apna Google Account band karne ki vajah se, ho sakta hai ki aapke account se related kuchh data mit jaaye yaa vah poori tarah se mit jaaye aur usey recover na kiya jaa sake. Aap sehmat hain aur aapko accept hai ki apna Google account band karne aur usey pahle jaisa karne ki vajah se, koi data mit jaata hai yaa koi aur damage hota hai, to uske liye Google responsible nahi hoga.

Aapse login/registration ki process ke dauraan yaa uske baad kabhi bhi kuchh information maangi jaa sakti hai. Jaise, aapka naam, phone number, Payment method (bank mein registered aapka naam, bank account number, credit card/debit card use karne ki situation mein uski details vagairah), date of birth, aur/yaa registration se related doosri information. Hum Payment Participant, service provider, aur/yaa Third Party Provider ke saath, aapke registration ki information ko verify kar sakte hain. Iski information neeche di gai hai. Kuchh cases mein, hum aapse additional information/documents bhejne yaa additional questions ke answer dene ke liye kah sakte hain, taaki aapki identity ko verify kiya jaa sake yaa aapki information ke correct hone kaa pata lagaaya jaa sake. Aisa hum Google Pay par aapka Google Account chaaloo hone se pahle yaa baad mein kar sakte hain. Aise data kaa access aur use, Google ki Privacy Policy ke mutaabiq kiya jaata hai. Neeche Section 21 mein is baare mein zyaada information di gai hai. Agar hum aapki information aur documents ke correct hone yaa poore hone kaa verification nahi kar paate hain yaa hum yah tay karte hain ki Google Pay ko use karne ke liye, aapne Google Pay ke Combined Terms yaa Payment Participant Rules mein shaamil terms ko poora nahi kiya hai, to hum aapke liye Google Pay ki Services kaa access hata sakte hain.

BHIM UPI ki Services Set up karna. Agar aapko payment karne yaa paane ke liye, BHIM UPI kaa use karna hai, to Google Pay par jaakar BHIM UPI Payments System Provider ke saath register karein, jisne Google ke saath partnership ki hai. Iske baad, BHIM UPI ke user credentials banaayein, jaise ki aapka BHIM UPI ID (virtual payment address) aur/yaa BHIM UPI PIN (MPIN), jo aapke account se linked ho. BHIM UPI ki services ke liye register karne ke baad, Google Pay ke zariye BHIM UPI kaa use karke, apne bank account se payments kiye jaa sakte hain yaa apne bank account mein payment paaye jaa sakte hain.

UPI Number aur Centralized UPI Mapper mein usey Onboard karna. Aapko yah jaankari hai aur aap sehmat hain ki Google, Google Pay par aapke Google Account ko ek UPI Number assign karega, taaki aap apne UPI Number kaa use karke, UPI se related Google Pay ki Services kaa istemaal kar sakein. Aap is baat se bhi agree hain aur aapne khaas taur par sehmati di hai ki Google aapke UPI Number ko NPCI ke centralized mapper (jaise ki Numeric UPI ID Mapper) aur kisi bhi doosre databases mein onboard kar sakta hai. NPCI, mapper aur databases mein time to time, zaroorat ke mutaabiq changes kar sakta hai aur aapko iske baare mein notify kar sakta hai. ‘UPI Number’ default taur par aapka [registered mobile number] hoga. Saath hi, NPCI ke centralized mapper(s) mein apne UPI Number ko onboard karne ki permission dene par, apne ‘UPI Number’ kaa use karke Google Pay App par paise bheje aur / paaye jaa sakte hain. Onboard karne ki process, NPCI ki guidelines aur directions ke mutaabiq hogi. Aapko yah jaankari hai aur aapki sehmati hai ki Google ko NPCI ke instructions ke mutaabiq kaam karne kaa right hai. Ismein bina kisi limitation ke, NPCI ke saath aapki information share karna aur aapke primary bank account yaa aapke UPI ID (virtual payment address) ko aapke ‘UPI Number’ se link karna shaamil hai. Centralized mapper(s) mein onboard kiye jaane ke baad, paise bhejne aur / yaa paane ke liye, apne UPI Number kaa use kiya jaa sakta hai. Google Pay App par kisi bhi time [settings update karke], apne UPI Number ki default mapping ko unlink kiya jaa sakta hai.

Virtual Account Number Set up karna. Google Pay kaa use karke, bank ki or se issue kiye gaye virtual account number se bhi Payment Transactions kiye jaa sakte hain. Virtual account number inka representation karta hai: Google Pay par register kiya gaya aapka koi credit yaa debit card, travel passes, aur digital wallets yaa Google ke alaava doosri companies ke aapke accounts. (oopar diye gaye har case mein ek "Virtual Account Number" hoga). Virtual Account Numbers kaa use karke is tarah ke payments kiye jaa sakte hain: (i) Google Pay ki facility dene wale merchants ke stores par jaakar, apne mobile phone yaa tablet par maujood Google Pay App ke zariye QR code scan karke, (ii) kuchh merchant apps ke zariye online yaa (iii) Google Pay app par bill ke payments yaa doosre merchants ko Payment Transactions karne ke liye. Google Pay kisi debit card yaa credit card kaa actual number save nahi karta. Vah sirf Virtual Account Number save karta hai.

Google Pay mein Virtual Account Number ko add karne ki process shuroo karne par, Google Pay check karega ki payment method zaroori terms ke hisaab se hai yaa nahi. Agar aapke payment method kaa issuer, Google Pay ko support karta hai aur payment method zaroori terms ke hisaab se hai, to usey add karte time aapko ek screen dikh sakti hai. Us screen mein aapko payment method issuer ke terms aur conditions ko accept karne ke liye kaha jaayega. Terms aur conditions accept karne aur payment method add karne ke baad, Google Pay aapke payment ke actual card number yaa doosre identifier ko represent karne wala ek Virtual Account Number aapke Google Account mein save kar lega, taaki aap usey Google Pay par use kar sakein.

Agar Google yaa uski affiliate company, payment method issuer nahi hai, to payment method ke liye user ke saath kiye gaye agreement, privacy policy yaa use ke doosre terms mein Google aur uski affiliate company koi party nahi hogi. Payment method issuer ke aise kisi bhi term ki vajah se, Google Pay ke Combined Terms mein koi change nahi hoga. Google Pay ke ye Combined Terms aur aapke payment method issuer ke terms yaa privacy policy match na hone par, Google Pay ke ye Combined Terms, Google Pay ke context mein aapke aur Google ke beech relationship ko control karenge aur payment method issuer ke terms aapke aur us issuer ke beech relationship ko control karenge. Google, is baat kaa koi representation nahi karta yaa verify nahi karta ki aapke payment methods achchhi condition mein hain. Google is baat kaa bhi koi representation nahi karta yaa verify nahi karta ki Google Pay kaa use karke, kisi merchant yaa travel provider ko payment karne par, payment method issuer us payment ko permission dega.

Agar Google yaa uski affiliate company, payment method issuer nahi hai, to credit issue karne yaa credit ki eligibility tay karne ke case mein Google aur uski affiliate company kaa koi role nahi hoga. In donon kaa in cases mein koi control nahi hoga: payment methods yaa funds ki availability yaa accuracy; Google Pay mein payment methods ko provision (add) karna yaa payment method ke balances mein fund add karna. Aapke payment method kaa Issuer kuchh khaas kaamon ke liye, aapke Virtual Account Number ko register yaa deregister karne ki facility deta hai. Saath hi, Issuer aapko Payment Transaction ki limit tay aur modify karne ki facility bhi deta hai. Agar oopar di gai information ke baare mein aapka koi sawaal hai, to payment method issuer se contact karein.

Bill ke Payment ki Services Set up karna. Bill ke Payment ki Services use karne ke liye, Aapko un Billers ke saath maujood apne bill account ki information humein deni hogi jinke liye Aapko payments karne hain. Jaise, aapka customer account number, registered phone number yaa customer ID. Saath hi, in Billers ke saath jude Aapke account aur bill/plan ki details access karne ke liye zaroori koi bhi doosri information ("Bill ke Payment Account ki Information") bhi aapko deni hogi. Bill ke Payment ki Services use karne kaa matlab hai ki Google Pay ko Aapke Bill ke Payment Account ki Information aur bill ki details ko time to time access karne, use karne, aur save karne ke liye Aapki permission mil gai hai. Aapko Bill ke Payments ki Services available karaane ke liye, Google Pay ko is information ki zaroorat hoti hai.

Kisi third party ke behalf par, Bill ke Payment Account ki information dene, bill ki details fetch karne yaa mobile recharges/top ups jaise payments karne ke liye, bill ke payments ki services use karne par, yah aapki responsibility hogi ki aapke paas us third party ki sehmati ho. Aap sehmat hain ki Google Pay ko third party ke Bill Payment ke Account ki information ko time to time use karne ki permission dene ke liye aapke paas sabhi zaroori rights hain. Saath hi, Google Pay aapko Bill ke Payment ki Services available kara sake, iske liye third party ki or se, related Biller se bill ki details access karne ke liye bhi aapke paas zaroori rights aur permissions hain. Aap sehmat hain ki Google Pay aur aapke beech huye agreement ke mutaabiq, agar third party koi claim karti hai, to uski poori responsibility aapki hogi.

Information ki Accuracy. Aapko yah jaankari hai aur aapne sehmati di hai ki bill fetch karne aur/yaa payment ki request karne ke liye, sahi information dene ki responsibility aapki hogi. Ismein bill ke payment account ki information aur payment kaa amount bhi shaamil hai.

Gold Account Set up karna. Gold Account set up karne ke liye, Aapko (i) Google ke rule ke mutaabiq 2 factor authentication karna hoga; (ii) Google Pay par Google ki bataai gai registration ki process poori karni hogi; aur (iii) KYC ki requirements poori karni hongi, jo ki Apply hone wale Law ke mutaabiq zaroori ho sakta hai.

Google Pay kaa use karne kaa matlab yah confirm karna hai ki Aapka Gold Account Aapke naam se set-up kiya jaa raha hai aur Aapke naam par ek se zyaada Gold Account nahi hain.

Agar aapke ab tak ke purchases kaa total amount 50,000 Rupaye (Indian Rupee Fifty Thousand) yaa usse zyaada hai yaa aapne 50,000 Rupaye (Indian Rupee Fifty Thousand) yaa usse zyaada kaa koi transfer kiya hai, to Aapko Apne PAN Card ki copy deni hogi. In cases mein, Aapki taraf se confirm kiya jaata hai aur sehmati di jaati hai ki Aapne Apne PAN Card ki sahi copy submit ki hai aur yah farzi nahi hai yaa ise tamper na kiya gaya ho. Aap sehmat hain ki cashback amount par lagne wale tax ko pay karne ki responsibility aapki hai.

Google ko aapne permission di hai ki zaroorat padne par vah aapse aisi enquiries kar sakta hai, taaki Aapki identity ki validity check ki jaa sake. Aapne sehmati di hai ki aapki maujooda information yaa verification ke liye Aapki taraf se available karaaye gaye documents mein koi bhi change hone par, Google ko iski information di jaayegi.

Google Aapka Gold Account set up karte time, aapse nominee ki information maangega. Aapki death hone par, nominee Aapke Gold Account mein maujood Gold par claim kar sakta hai. Haalanki, iske liye usey valid documents available karaane honge.

6. Payment Participants aur Third Party Providers

Payment Participants ke saath Communications. Google Pay use karne kaa matlab hai ki aapne Google ko Payment Participants yaa kisi Third Party Provider yaa service provider se communicate karne ki permission di hai, taaki inhein aapki personal information jaisi koi doosri information di jaa sake yaa inse information li jaa sake. Aisa, Transaction process karne ke liye yaa aapko Google Pay ki Services available karaane ke saath-saath risk management aur fraud assessment ke liye kiya jaata hai. Aapko yah jaankari bhi hai ki Payment Transaction ki request yaa Payment Transaction karte time aapki or se doosre Users, Merchants, Billers ko bheje jaane wale kisi bhi message ko Google, Payment Participants ke saath share kar sakta hai. Google, aisa Apply hone wale Laws ke tahat zaroori hone par aur uske mutaabiq karega.

Payment Participants ke Rules ko Maanna. Aapke payment instructions ko poora karne ke liye, Payment Participants ki services use ki jaayengi. Isliye, aapne sehmati di hai aur accept kiya hai ki Payment Participants ki taraf se time to time issue kiye jaane wale rules, guidelines, directions, instructions, request vagairah ("Payment Participant ke Rules") ko aapki or se maana jaayega. Aap sehmat hain ki Payment Participant ke in Rules se up-to-date rahne aur unhein maanne ki responsibility Aapki hai. Agar Aapne Google yaa Payment Participants ke rules ko nahi maana, to hum Google Pay par aapke Google Account ko suspend yaa terminate kar sakte hain. Baad mein koi confusion na ho, iske liye hum bata dein ki Payment Participant ke Rules aapke aur related Payment Participant ke beech laagoo hote hain. Google, Payment Participants ke kisi bhi action yaa inactions ke liye responsible nahi hoga.

Google ki or se, Third Party Providers kaa Use. Saath hi, aisa ho sakta hai ki Google ne Google Pay ke zariye aapko products yaa services dene ke liye, third party providers ("Third Party Providers") ko arrange kiya ho. In products yaa services kaa use karne ke liye, aapko aise Third Party Providers ke additional terms aur conditions ko accept karna pad sakta hai. Saath hi, aapko Third Party Provider ki additional requirements ko bhi poora karna pad sakta hai. Google Pay ke in Combined Terms se sehmat hone yaa Google Pay ki Services kaa use continue karne kaa matlab hai ki aapne Third Party Provider ke aise terms ko bhi accept karne ke liye sehmati di hai jo Google Pay ke zariye is tarah ke product aur services ke use par laagoo hote hain. In terms ko time to time update kiya jaayega. Baad mein koi confusion na ho, iske liye hum bata dein ki Third Party Provider ke terms aapke aur us Third Party Provider ke beech laagoo hote hain, Google par nahi. In Third Party Providers ke koi action lene yaa na lene ki responsibility Google ki nahi hogi.

7. Fees

Payment Participants yaa Third-Party ki Fees. Google Pay kaa use karne par, aapko Payment Participants yaa Third Party Providers ki services ko access karne yaa data se judi fees deni pad sakti hai. Is tarah ki sabhi fees ke payment ki responsibility aapki hai.

Google ki Fees. Kuchh tarah ke Transactions yaa Google Pay ki Services ke use par Fees lag sakti hai. Is tarah ki services mein mobile recharges vagairah shaamil hain. Har Transaction ko poora karne se pahle, aapko laagoo hone wali fees ke baare mein bataaya jaayega. Google apni samajh se, fees tay kar sakta hai. Kisi bhi fees mein sabhi applicable tax shaamil honge.

8. Google Pay ki Services use karke kiye jaane wale Transactions

Google Pay ki Service ke use par Limitations. Hum yaa Payment Participants, Google Pay ke use se related general practices aur limits tay kar sakte hain. Hum Google Pay ke kisi bhi aspect, jaise ki Google Pay ki Service ke kisi feature ke kaam karne yaa available hone ke ghanton ko kisi bhi time change karne, usey suspend karne yaa usey band karne kaa right reserve rakhte hain. Hum aisa bina koi notice diye yaa bina kisi liability ke kar sakte hain. Hum kuchh features ke use par, bina koi notice diye aur bina kisi liability ke limits laagoo karne yaa service ke kuchh part yaa poori service ke access par rok lagaane kaa right bhi reserve rakhte hain. Hum Payment Karne Wale yaa Payment Paane Wale ko pahle se koi notice diye bina kisi bhi Payment Transaction ko process karne se decline kar sakte hain. Hum kisi User ko Google Pay se baahar ke account se mile kisi bhi communication ko apne-aap block karne kaa right bhi reserve rakhte hain. Ismein payment ki aisi requests bhi shaamil hain jise hum spam yaa fraudulent communication maante hain.

Hum yah warranty nahi dete hain ki Google Pay mein milne wale functions ke use mein koi interruption yaa error nahi aayegi. Service ke use mein aane wale kisi bhi interruption ke liye hum responsible nahi honge, jaise ki power cut, system failures yaa aisa koi bhi interruption jiski vajah se Payment Transactions paane, accept karne, process karne, poora karne yaa uske settlement par asar ho sakta hai. Ismein inke alaava aur bhi factors shaamil ho sakte hain.

Transaction ki Limits. Har Transaction par, Transaction ki minimum aur maximum limits laagoo hongi, jise Google, User yaa Payment Participants tay kar sakte hain. Iske alaava, in limits par Apply hone wale Law ke provisions kaa bhi asar pad sakta hai. Saath hi, Google aur Payment Participants Google Pay par aapke Google Account se kiye gaye Transactions (poora payment yaa uske kisi part ko) ko reject/suspend bhi kar sakte hain. Aisa us Transaction se related unki policies aur assessment ke base par kiya jaayega.

Transaction ke Records. Aapke Transactions ke Records aapke Google Pay App mein maujood conversation history aur Transaction history mein dekhe jaa sakte hain. Yah aapki responsibility hai ki aap apni Transaction activity ko review karke pata lagaayein ki kahin koi error to nahi hui hai yaa bina aapki permission ke koi payment to nahi kiya gaya hai. Agar aisa hua hai, to Google Pay ke in Combined Terms ke mutaabiq, aapko Google ko uske baare mein alert karna hoga.

Virtual Account Numbers kaa use karke Transaction. Google Pay par Virtual Account Number kaa use karke travel kaa payment karne par, Google aapke Virtual Account Number aur usse related information ko transaction karne wali party ko de sakta hai, taaki vah aapke payment method se paise kaat sake. Virtual Account Number ke zariye transaction in conditions mein hi initiate hoga: NFC kaa use karke stores mein tap to pay yaa travel services ke liye payment karne par, barcodes/QR codes scan karne yaa koi aur contactless technology use karne par; kisi Third Party ki website yaa application par online transaction karte time “Google Pay” yaa “Google Pay ki help se khareedein” ko payment option ke taur par select karne yaa kisi doosre online interface, jaise ki Google Assistant ke zariye third party ko transaction karne par. Online transaction initiate karne par, Google Pay aapke Google Account mein save ki gai aisi koi doosri information bhi share kar sakta hai jo transaction ko poora karne ke liye zaroori hogi. Jaise, aapka billing, shipping yaa email address.

Third party ke saath payment method yaa koi doosri information share karne ke baad, aapke aur third party ke beech kiye jaane wale transaction mein Google kaa koi role nahi hoga. Aapne sehmati di hai ki aisa transaction sirf aapke aur third party ke beech hoga. Iske alaava, Google yaa iske tahat kaam karne wali kisi bhi company se iska koi relation nahi hoga. Aapko Virtual Account Number kaa use karke kiye jaane wale transaction se related kisi bhi issue, jaise refunds aur disputes ke liye direct third party yaa payment method provider (example ke liye, aapke Payment Method kaa issuer) se contact karna chaahiye.

Aapne sehmati di hai ki Google Pay aapke payment method issuer se transaction ki information le sakta hai. Ismein transaction ki location ki information bhi shaamil hai. Aisa Google Pay par, transaction ki information aur recent transaction history ko behtar format mein dikhaane ke liye kiya jaata hai.

Permissible Transactions. Google Pay ki Services kaa use karke, sirf aisa Transaction kiya jaa sakta hai jiska purpose legal taur par valid ho aur jo genuine ho, jaise ki products aur services purchase karne ke liye. Kisi illegal product yaa service ko khareedne, bechne yaa illegal maane jaane wale kisi bhi Transaction ke liye, Google Pay ki Service kaa use nahi kiya jaa sakta.

Aap sehmat hain ki aapki or se, Google Pay ki Service use karke aise Transactions nahi kiye jaayenge jo Google Pay ke Combined Terms, Payment Participant ke Rules, Apply hone wale Law yaa Google Pay ki Services par apply hone wali doosri policies yaa rules kaa violation karte hon. Google Pay se kiye jaane wale Transactions se related apne rights aur responsibility ko samajhne ke liye, Google Pay ki Policies padhein. Google Pay ki Policies mein un situations ke baare mein bataaya gaya hai jab payments paane yaa bhejne ke liye, Google Pay ki Services ko use nahi kiya jaa sakta. Google Pay ki Policies aur inke tahat bataai gai restrictions ko na maanne par, aapke Transaction ko reject kiya jaa sakta hai. Saath hi, aapke liye Google Pay ki Service kaa use suspend yaa band kiya jaa sakta hai.

Agar aapke Business ke Pages, Google Pay ki Services ke part ke taur par host kiye jaate hain, to aapke Business ke Pages ko inke liye use nahi kiya jaayega (a) illegal purposes ke liye yaa illegal activities ko support karne ke liye; (b) illegal transaction ko promote karne yaa uski suwidha dene ke liye yaa kisi bhi illegal yaa prohibited product yaa service ko bechne yaa exchange karne ke liye; (c) fraud wale content aur activities ke liye yaa Google Pay ki Policies, Businesses ke liye Google Pay ki Policies yaa Play ki Policy ke tahat jin par rok lagaai gai hai; (d) agar kisi tarah se yah dikhaaya gaya ho ki aapki activities ko Google promote karta hai; (e) agar kisi bhi tarah se Google ki reputation yaa goodwill par asar hota hai; yaa (f) agar kisi Apply hone wale Law ko maana nahi gaya ho.

Google aapse kisi bhi time writing mein yah certify karne ke liye kah sakta hai ki oopar bataaye gaye terms aur conditions ko aapki or se maana jaayega. Writing mein certify karaane ke saath-saath Google aapse time to time in terms aur conditions ko maanne kaa verification karne wale doosre documents bhi maang sakta hai.

9. Google Pay par Bill Payment

Bill Dekhna. Google Pay App par kisi Biller ko register karne ke baad, usse related apne maujooda aur aane wale bill ki information yaa zaroori terms poore karne wale plan yaa statement available hone par dekhe jaa sakte hain. Kisi bhi payment se pahle, apne bill ki information ko dhyaan se check kar lein. Agar koi error dikhe to Apne Biller se contact karein.

Bill ke Payments ko Schedule karna. Payment process hone mein lagne wala time, us Biller par depend karega jise aapne select kiya hai. Jab Google Pay ko aapse payment kaa instruction milta hai, to iska matlab hai ki aapne humein Payments System Providers ko yah instruction dene ki permission di hai ki Providers aapke Funding Account se paise debit karke, us Biller ko aapki or se payment bhejein. Payments, aise Billers aur Payment Participants ki policies aur procedures ke tahat process kiye jaate hain. Inke liye hamaari liability nahi hogi: (i) Biller ki or se Transactions process karne mein hui deri ke liye; (ii) Transactions ke fail hone, usmein deri hone yaa uske reversal ke liye; yaa (iii) aapki or se payment ki dates ko time par schedule na kar paane ke liye. Payment mein deri ki vajah se hone wale kisi bhi result ki responsibility aapki hogi. Ismein us Biller ki taraf se, deri se payment karne par lagaai jaane wali fee yaa koi doosri penalty bhi shaamil hai.

Bill ke Reminders. Bill ke payment se related zaroori information ke aapke record ke alaava, Google Pay bhi aapko bill kaa payment karne ke liye reminder bhej sakta hai. Isse aapko bill ke payments ko time par schedule karne mein help milegi.

Payment ki History. Aapke paas Google Pay App ke zariye, apne bill ke payment ki requests ke baare mein information ko access karne kaa option hota hai. Aapko Biller ki taraf se available karaaye gaye kisi bhi statement yaa payment record ke base par, apne bill ke payment ki requests ko hamesha verify karna chaahiye.

Prepaid Recharges. Google Pay aapko mobile, data yaa doosre accounts ke prepaid recharge ki suwidha deta hai. Mobile, data yaa doosri services, asal mein Google Pay available nahi karaata. Ise aise prepaid service providers (jaise ki telecommunications service provider) yaa inke distributor aur aggregators available karaate hain jinka account aapke paas hai ("Prepaid Service Providers"). Aap sehmat hain ki Prepaid Service Providers ki or se offer kiye jaane wale plan mein se apne liye sahi plan select karne aur unke terms ko maanne ki responsibility sirf aapki hogi. Aapko yah jaankari hai ki Google Pay par available karaaye jaane wale plans sirf reference ke liye hain. Aisa ho sakta hai ki plans up-to-date na hon aur unmein changes ho gaye hon. Payment karne se pahle, aapko Prepaid Service Provider se naye plans aur information kaa pata karna chaahiye.

Apni Zaroorat ke hisaab se Bill kaa Payment karna. Aapke paas bill ke payment yaa recharge ke liye, apni choice ke hisaab se amount enter karne kaa option hota hai. Haalanki, us amount ko accept karne kaa decision, Biller apni samajh se lega. Payment karne yaa apna account recharge karne ke liye, aapki or se enter ki jaane wali information ke sahi hone ki responsibility aapki hogi. Aap isse bhi sehmat hain ki agar kisi Biller ki taraf se, recharge yaa doosre bill ke payment mein koi error hoti hai yaa Biller ki taraf se available karaai jaane wali service ki quality se related koi issue hota hai, to Google Pay liable nahi hoga. In cases se related kisi bhi problem kaa resolution direct aapke aur Biller ke beech kiya jaayega.

Refunds. Agar kisi bill ke payment, jaise ki mobile recharge yaa kisi bhi payment ke liye aapke account se paise debit kiye jaane ke baad bhi bill kaa payment yaa recharge nahi hota hai, to uske payment ke amount kaa refund, Biller ke terms yaa policies ke hisaab se kiya jaayega. Aap sehmat hain ki Google Pay iske liye responsible nahi hoga.

10. Google Pay par Loan Facility ki Services

Loan Facility ke Offers. Aap sehmat hain ki Lending third parties Aapko Loan ke aise Offers bhej sakti hain jinke liye aap eligible hon. Aap agree hain ki Loan ki Facility ke liye zaroori terms aapki taraf se poore kiye jaa rahe hain yaa nahi, iska decision, Lending third party karegi. Ismein yah decision bhi shaamil hoga ki aapko kitne time ke liye kitna amount diya jaa sakta hai. Google, aise offer ke content yaa Loan Facility ke content ke liye responsible nahi hai. Google, jin Lending third parties ke saath kaam karta hai unki list aur terms of service yahan diye gaye hain:

- DMI finance

- Aditya Birla Finance Limited

- Bajaj Finance

- Axis Bank

Loan Facility ki Services ke liye Apply karna. Agar aapko Lending third parties ki taraf se offer ki jaane wali Loan Facility ke liye apply karna hai, to aapko offer accept karna hoga. Iske baad, Lending third parties ki or se diye gaye form mein information fill karni hogi. Aapko Lending third party ke hisaab se, Loan Facility kaa Amount, Equated Monthly Instalments ("EMI") kaa plan, aur tenure select karne kaa option bhi mil sakta hai. Saath hi, aapko kuchh personal information bhi deni pad sakti hai. Jaise, aapka naam, address, phone number, IP address, loan kaa amount, tenure, selected EMI plan, loan kaa purpose, aur aisi doosri information jo Lending third party ke liye zaroori hai. Ismein aur bhi information shaamil ho sakti hai.

Yah ensure karna aapki responsibility hai ki Google Pay App par Loan Services Facility ke liye apply karte time, Lending third parties ke paas maujood aapki KYC details up-to-date aur sahi hon.

Aapko yah jaankari hai ki Aapko Lending third party se Loan Facility Services mil rahi hain. Iske liye, aapko Lending third party ke saath loan agreement karna hoga. Google aapko Loan Facility offer karne/available karaane yaa loan agreement ki performance ke liye liable nahi hai.

Fees aur Charges. Aapko yah jaankari hai ki Lending third party, Loan Facility ko turant process karne ke liye, aapse service fee aur stamp duty charges le sakti hai. Inki information, loan application mein di jaayegi aur inhein Loan Facility amount mein se kaat liya jaayega.

Apni Loan Application ko Dhyaan se Padhein. Loan ke application form ko fill karne aur submit karne se pahle, aapne loan agreement mein diye gaye sabhi terms (jaise ki Loan Facility kaa interest rate, EMI plan, doosre charges vagairah) ko dhyaan se padhkar samajhne ki responsibility aapki hai. Loan Facility ke liye apply karte time, aapki taraf se yaa Lending third party ki taraf se available karaai jaane wali sari information ko achchhe se padhkar usey verify karein. Please dhyaan dein ki EMI, service fees, aur stamp duty (jo bhi laagoo ho) ke final amount ko Lending third party decide karegi. Agar application process ke dauraan, aapne kisi error yaa galat information ko sahi bataate huye usey verify kiya, to uske liye Google responsible nahi hoga. Google, loan agreement ki performance ke liye bhi responsible nahi hoga. Kisi bhi error ko fix karne ke liye, aapko Lending third party se direct contact karna hoga.

Loan Facility se related Information dekhna. Jab Lending third party aapki application accept kar legi, tab Google Pay App par, Loan Facility ki receipt ("Loan Facility ki Receipt") dekhi jaa sakegi. Loan Facility ki Receipt mein naam, address, application ki date, Loan Facility kaa amount, interest rate, tenure, fees aur charges, EMIs kaa number jaisi doosri information maujood hoti hai jise loan application ko process karte time aapne diya hai yaa jise verify kiya hai. Agar Loan Facility ki Receipt mein maujood information mein kisi bhi tarah kaa difference dikhta hai, to aapko Lending third party ko is baare mein bataana chaahiye.

Loan Facility ke Amount kaa Disbursement. Loan Facility kaa amount, Lending third party ke saath maujood Aapke account mein direct credit kar diya jaata hai.

EMI Payment ke Reminders. Aap sehmat hain ki Aapki Lending third party aapko Loan Facility se related communications bhej sakti hai. Ismein Google Pay App ke zariye Aapki EMI ke payment karne ke reminder bhi shaamil hain.

Loan Facility ke Amount kaa Repayment. Aap sehmat hain ki Aapki Lending third party, EMI ki due date par EMI ke payment kaa amount aapke us account se kaat legi jo uske paas maujood hai. Yah aapki responsibility hai ki aapke account mein zaroori funds available hon. Saath hi, loan agreement ko maanne mein kisi problem yaa EMI ke payment ke liye zaroori amount na hone ki vajah se lagne wali penalty ki responsibility bhi aapki hogi. Ismein Lending third party ke saath kiye gaye aapke agreement ke terms ke mutaabiq lagne wale interest ki fee bhi shaamil hai.

Google Pay par Loan Facility ki Services use karne kaa matlab hai ki aapne Google Pay ko yah permission di hai ki vah loan ke payment ki information ko aapki or se time to time access, use, aur save kar sakta hai. Aisa Google Pay par aapko services dene ke liye kiya jaata hai.

11. Google Pay par Credit Card ki Services

Aap sehmat hain ki Google yaa Credit Institutions Aapko Credit Cards ke aise offers yaa unse related aisi services yaa offers send kar sakte hain jinke liye aapne terms poore kiye hain. Aapne accept kiya hai ki Credit Card ke liye aapne zaroori terms poore kiye hain yaa nahi, iska decision Credit Institution apni samajh se lega. Saath hi, yah decision, custom procedures aur credit se related information kaa pata lagaane ke liye Bank ki or se develop ki gai guidelines ke base par liya jaayega. Credit Card issue karne yaa na karne kaa decision, Credit Institution lega.

Credit Cards ke liye Apply karna. Agar aapko Credit Institution ki taraf se offer kiye gaye credit card ke liye apply karna hai, to Aapko Google Pay par Credit Institution ki or se available karaaya gaya application form submit karna hoga. Application submit karte time aapko kuchh personal information deni pad sakti hai. Jaise, aapka naam, address, phone number, income ki range, employment ki information, aur aisi doosri information jo Credit Institution ke liye zaroori ho sakti hai. Ismein inke alaava aur bhi information shaamil ho sakti hai. Yah ensure karna aapki responsibility hai ki Google Pay App par Credit Card ke liye apply karte time, Credit Institutions ke paas maujood aapki KYC details up-to-date aur sahi hon.

Aapko yah jaankari hai ki Aapko Credit Institution se Credit Card mil raha hai. Iske liye, aapko Credit Institution ke saath agreement karna hoga. Google aapko Credit Card offer karne yaa available karaane ke case mein kisi bhi tarah se shaamil yaa liable nahi hai.

Credit Card ki Application ko Dhyaan se Review karein. Yah ensure karna aapki responsibility hai ki application form fill karne aur submit karne se pahle, aapne Credit Institution aur Aapke beech huye, Credit Card ke agreement ke tahat, Credit Card par laagoo hone wale sabhi terms samajh liye hain. Agar application ki process ke dauraan, aapne kisi error yaa galat information ko sahi bataate huye usey verify kiya, to uske liye Google responsible nahi hoga. Saath hi, Credit Card ko issue kiye jaane ke liye bhi Google responsible nahi hoga. Google ki iske liye bhi koi responsibility nahi hogi ki Credit Institution ne Credit Card se related sahi information available karaai hai yaa nahi. Credit Card se related kisi bhi galat information ko theek karne ke liye yaa apne Credit Card ko band karaane yaa uska agreement khatm karne ke liye, aapko direct Credit Institution se contact karna hoga. Credit Institution ke saath aapne jo agreement kiya hai, aapko uske terms ke mutaabiq aisa karna hoga.

Google Pay par Credit Card ki Services use karne kaa matlab hai ki aapne Google Pay ko yah permission di hai ki vah aapke Credit Card ki application mein maujood information ko access, use, aur save kar sakta hai. Aisa Google Pay par aapko service available karaane ke liye kiya jaata hai. Ismein aapko Credit Card se related offer bhejne ke saath hi usse related aise offers yaa services dena shaamil hai jinke liye aapne zaroori terms poore kiye hain. Saath hi, ismein fraud kaa analysis karna aur risk ko kam karne ki koshish karne mein aapki help karna bhi shaamil hai.

12. Credit Report

Permission dena: Aap sehmat hain ki apni information dekar aur 'Google Pay par continue karein' par click karke

Aapne Credit Information ke liye request ki hai;
Aapne Google ko authorized representative ke taur par appoint karne ki permission di hai, taaki vah aapki identity ko verify kar sake aur aapne Google Pay par jo information available karaai hai usey TransUnion CIBIL Limited (“TUCIBIL”, ek credit bureau hai) ke saath share kar sake. Is information ke liye time to time request ki jaati hai. Saath hi, Credit Information ko sirf End User ke Permitted Purpose ke liye haasil kiya jaata hai;
Aapne Google ko apni Credit Information in situation tak retain aur store karne ki permission di hai: a) jab tak Google Pay par aapka account deactivate nahi kiya jaata, b) jab tak aapki Credit Information, End User ke Permitted Purpose ke liye zaroori hogi, c) 6 maheene ki limited duration ke liye, d) jab tak aap Google Pay par apni Credit Information ko save yaa use karne ke liye apni sehmati vaapas na le lein. Inmein se sabse pahle aane wali situation laagoo hogi; aur
Aapne Google ko yah permission di hai ki vah aapki Credit Information ko rearrange karke usey Google Pay app mein category ke hisaab se zyaada attractive tareeqe se dikhaaye, taaki aap usey aasaani se padh sakein. Haalanki, isse Google ko Credit Information mein koi bhi change karne ki permission nahi milti.

Credit Score Simulator: Credit Score Simulator kaa use, Users ki or se selected situations ke base par sirf hypothetical score dikhaane ke liye kiya jaana chaahiye. Aapne yah samajh liya hai ki Credit Score Simulator, TUCIBIL kaa product hai. Credit Score Simulator ke kaam karne ke tareeqe yaa isse milne wale simulated Credit Score mein Google kaa koi role nahi hota.

Disclaimer:

(i) Google Pay aapki Credit Information dikhaane aur TUCIBIL ki taraf se available karaaye jaane wale Credit Score Simulator kaa use karne ke liye, ek technology platform available karaata hai. Aapki Credit information yaa simulated score par Google Pay kaa koi control nahi hota. Credit se related kisi bhi decision ke liye simulated score par bharosa nahi kiya jaayega. Iska reference sirf educational purposes ke liye liya jaayega.

(ii) Agar aapki Credit Report mein maujood koi information galat hai aur usse aapke Credit Score par asar ho raha hai, to aapke paas direct TUCIBIL ki official website par jaakar, complaint file karne kaa right hai.

13. Google Pay par UPI Lite ki Services

UPI Lite ek aisi service hai jo NPCI ki or se Google Pay app par available karaai jaati hai. UPI Lite account (“UPI Lite”) ki help se, UPI pin enter kiye bina kam amount wale payment transactions kiye jaa sakte hain. Payment transactions ki limit ki information neeche ‘usage aur settlement’ section mein di gai hai. UPI Lite sirf ek service ke taur par available karaai jaati hai, na ki Google Pay app par ek naye account yaa wallet ke taur par. Aapne yah samajh liya hai ki apna mobile device change karne par, aapke paas naye device par apne UPI Lite account kaa balance access karne kaa option hoga. Haalanki, iske liye aapko naye device par bhi vahi phone number aur bank account use karna hoga jiska use aapne pahle kiya thaa.

Registration aur paise load karna: Apni profile ke icon par tap karke aur payment methods ke page par UPI Lite set up karke, UPI Lite ke liye register kiya jaa sakta hai. Registration ki process mein aapko UPI Lite account mein INR 2,000 tak add karne ke liye kaha jaayega. Yah amount, Google Pay se linked us bank account (“Bank Account”) se add karne ke liye kaha jaayega jo UPI Lite ki service ko support karta hai. UPI PIN enter karne aur validate hone ke saath-saath UPI Lite account mein paise add karne ke baad hi, UPI Lite ke registration ki process poori maani jaayegi. Aapko yah jaankari hai ki UPI Lite ki service ko support karne wale sirf ek Bank Account ko use karke, Google Pay app par UPI Lite link kiya jaa sakta hai.

Usage aur settlement: Apne UPI Lite account kaa use karke, kisi peer yaa merchant ko maximum 500 rupaye kaa payment transaction kiya jaa sakta hai. UPI Lite account se har din total 4,000 Rupaye tak ke payment kiye jaa sakte hain. Saath hi, din mein sirf do baar account mein paise add kiye jaa sakte hain. Ek baar mein maximum 2,000 Rupaye add kiye jaa sakte hain. Aapko yah jaankari hai:

NPCI time to time, payment ki in limits mein changes kar sakta hai. NPCI aapko pahle se koi information diye bina aur apni samajh se aisa kar sakta hai.
UPI Lite account sirf ‘device par’ virtual balance hota hai aur Aapki or se add kiye gaye UPI Lite balance ko dikhaata hai. UPI Lite account mein maujood balance par aapko koi interest nahi diya jaayega.
Aapke UPI Lite account se related paise yaa funds, UPI Lite account ko issue karne wale bank mein rahte hain aur vah bank hi unko maintain karta hai;
UPI Lite account kaa use sirf payment karne ke liye kiya jaa sakta hai. Aapko milne wale sabhi payments (jaise ki refund vagairah) aapke Bank Account mein bheje jaayenge.
UPI Lite account kaa use, payment ke liye peer to peer request, auto payment, aur international payment transactions ke liye nahi kiya jaa sakta.
500 Rupaye tak ke kisi bhi payment transaction ke liye (daily ke total payment ki 4,000 Rupaye ki limit laagoo hogi), aapka UPI Lite account, default taur par use kiya jaayega. Haalanki, iske liye zaroori hai ki aapke UPI Lite account mein zaroori funds available hon.

Registration cancel karna: Aapke paas Google Pay app se UPI Lite ki services kabhi bhi band karne kaa option hota hai. Services band karne par, UPI Lite kaa use na kiya gaya balance, aapko UPI Lite ki Services dene wale Bank mein maujood aapke Bank Account mein credit kar diya jaayega. Aapko yah jaankari hai:

Agar Aapke UPI Lite account mein balance hai aur aapka Bank Account band ho jaata hai, to aapke paas UPI Lite account ke balance ko kharch karne kaa option hoga.
Aapka mobile device change hone yaa khone par, UPI Lite account mein available balance ke liye, naye device par phir se claim nahi kiya jaa sakta. Iski vajah yah hai ki aapke naye device par naya UPI Lite account create kiya jaayega. Apna mobile device change karte time, apne puraane device se apne UPI Lite account ko band kar dein aur UPI Lite balance ko apne bank account mein transfer kar dein. Apne puraane phone/device se UPI LITE account band nahi karne par, aapko UPI Lite ki services dene wala Bank, UPI LITE account mein available balance ko aapke Account mein credit nahi kar paayega. Haalanki, UPI Lite ki services issue karne wale bank ko iski information dene par, vah bank aapke account mein UPI Lite kaa available balance transfer karne ki poori koshish karega. Aapne yah samajh liya hai ki Google, NPCI yaa UPI Lite ki services issue karne wala bank, oopar bataai gai kisi bhi vajah se UPI Lite account mein maujood paise ke kisi bhi tarah ke loss ke liye liable nahi hoga.

Chargeback: UPI Lite se kiye jaane wale transaction ke tahat refund yaa chargeback ki kisi bhi request ke liye, Google Pay ke Terms mein Refunds aur Chargeback section mein bataai gai process ko maana jaayega.

UPI Lite Account ki Security:

Apne Google Pay app aur UPI Lite se kiye jaane wale transactions se related doosri information ko confidential banaaye rakhne ki responsibility aapki hai. Saath hi, aapke jin mobile phones par UPI Lite ki service chaaloo hain un par hone wali sabhi activities ki responsibility bhi Aapki hai.
UPI Lite kaa use karke, aapke Google Pay account se bina aapki permission ke kiye jaane wale kisi bhi payment ke liye, NPCI yaa Google ko responsible nahi maana jaayega.
Agar Google Pay app par aapke UPI Lite account ki security mein aapki taraf se kisi tarah ki error hone yaa UPI Lite ke terms ko na maanne par, aapko yaa kisi doosre vyakti ko loss yaa damage hota hai, to uske liye NPCI yaa Google liable nahi hoga.

NPCI yaa Google, Google Pay app par Aapko UPI Lite access karne ki permission nahi dene, uska access suspend karne yaa aapka User account band karne kaa right reserve rakhta hai. NPCI yaa Google aisa apni samajh se kabhi bhi aur aapko pahle se information diye bina kar sakta hai. Iske liye, Aapke yaa kisi bhi doosre vyakti ke liye inki koi liability bhi nahi hogi. Aisa tab bhi kiya jaa sakta hai, jab UPI Lite ke terms mein isse opposite baat kahi gai ho.

14. UPI ke zariye RuPay Credit Card kaa Use

Merchants ko payments karne ke liye, Google Pay par apne RuPay credit card ko payment ke alternative method ke taur par link kiya jaa sakta hai. Ise Google Pay par savings bank account ki tarah hi link kiya jaa sakta hai. Apne RuPay credit card ko link karne ke liye, payment method wale page par RuPay credit card aur us bank ko select karne par jismein aapka maujooda credit account hai, aapko credit card issue karne wale bank ke saath apne Rupay credit card ke last 6 digits aur validity (MMYY format mein) ko verify karna hoga. Iske baad, UPI Pin (MPIN) create kiya jaa sakega. Agar Google Pay app par payment method ke taur par credit card wala account select kiya jaata hai, to merchants ko payment karne ke liye, aapko har baar MPIN use karke payment ko verify karna hoga. Apne RuPay credit card ko Google Pay par link karne ke baad, us credit card ko select karke merchants ko payments kiye jaa sakte hain. Iske liye, aapko UPI QR codes scan karne honge aur apne MPIN kaa use karke payment ko verify karna hoga. Aasaan bhaasha mein kahein, to is suwidha se sirf un merchants ko payments kiye jaa sakte hain jo UPI par RuPay credit card se payment accept karte hain. Is suwidha se, merchant se cash withdraw karne, Peer to Peer Payments, P2PM, ek card se doosre card mein paise transfer karne jaise payments nahi kiye jaa sakte.

Transaction ki limit. Is process se kiye jaane wale transaction par UPI ki standard transaction limits apply hongi. In limits mein, Apply hone wale Law ke mutaabiq time to time changes ho sakte hain.

Disputes. Agar RuPay credit account kaa use karke kiye gaye payment transactions ki vajah se hui kisi problem se related koi request ki jaati hai, to in terms ke Dispute section mein di gai process ko follow kiya jaayega. Is section ki info neeche di gai hai.

15. UPI Circle

Aapke paas Google Pay par UPI Circle (Iske baare mein neeche bataaya gaya hai) ki suwidha kaa use karne kaa option hai. UPI Circle kaa feature access karne yaa uska use karne se pahle UPI Circle ke Terms dhyaan se padhein. Neeche diye gaye words kaa matlab vahi hoga jo yahan bataaya gaya hai, jab tak ki uska istemaal kisi aur context mein na kiya gaya ho.

"UPI Circle" suwidha se koi Primary User, kisi Secondary User ko yah permission de paata hai ki Secondary User uske UPI ID se apna UPI ID link kar sake. Isse Secondary User, tay limit yaa har payment ke liye permission lekar, UPI payments/transactions kar sakta hai. Primary User, Tay Limit Ke Liye Permission dekar, Secondary User ko payment ki maximum limit assign kar sakta hai. Jaise, Primary User ke naam se maujood bank account se, UPI payments/transactions ke liye maximum kitna amount use kiya jaa sakta hai.

"Tay Limit Ke Liye Permission" kaa matlab, aise method/mode se hai jiska use karke koi Primary User, kisi Secondary User ko yah permission deta hai ki vah kharch ki maximum limits ke tahat, UPI Circle ki suwidha se transactions ko shuroo aur poora kar sakta hai.

"Har Payment Ke Liye Permission" kaa matlab, aise method/mode se hai jiska use karke Primary User, Secondary user ko yah permission deta hai ki vah UPI Circle ki suwidha kaa istemaal karke aur Primary User kaa UPI PIN enter karke transaction ko shuroo aur poora kar sakta hai.

"Primary User" kaa matlab us vyakti se hai jo UPI ki services/facilities use karne ke liye, Google Pay App istemaal karta hai aur Google Pay App par available UPI kaa UPI Circle feature use karke, Secondary User ko payments karne ki permission deta hai.

"Secondary User" vah UPI user hota hai jise Primary User, UPI se linked apne bank account se, UPI Circle ki suwidha kaa use karke transactions ki permission deta hai.

Aapko jaankari hai, aap sehmat hain, aapne verify kiya hai, aur aapne accept kiya hai ki:

Primary User ke liye:
- Yah poori tarah se aapki responsibility hogi ki aap Secondary User ke UPI ID se apna UPI ID link kiye jaane aur Secondary User ko UPI Circle ke tahat UPI transactions karne ki permission dene se pahle, uske UPI ID aur mobile number ko verify aur validate karein. Isse ensure kiya jaa sakega ki sahi vyakti ko hi Secondary User ke taur par permission di gai hai.
- Aapke paas UPI Circle ke liye Secondary User ko di gai permission mein change karne yaa usey vaapas lene kaa option hoga.
- Aapke paas UPI Circle ke tahat Secondary User ki taraf se kiye gaye sabhi transactions ko access karne aur unhein dekhne kaa option hoga.
- Aap sehmat hain ki aapko Secondary User ki identity ki jaankari hai aur UPI Circle kaa use karte time India ke laagoo hone wale laws ko maanna hoga.
- UPI Circle ke tahat aapne jis Secondary User ko add kiya hai yaa jise permission di hai uske sabhi transactions aur actions ki responsibility poori tarah se aapki hogi. Agar UPI Circle kaa use karke Secondary User bina permission ke koi transactions karta hai, to uske liye NPCI yaa Google Pay ki koi responsibility nahi hogi. Agar UPI Circle ke applicable terms aur conditions ko maanne ke case mein, aapke yaa Secondary User ki taraf se kiye jaane wale kisi bhi action yaa mistake ki vajah se koi loss aur damage hota hai yaa liabilities banti hain, to uske liye NPCI yaa Google Pay aapke yaa kisi bhi doosre vyakti ke liye liable nahi hoga.
- Agar Secondary User, tay ki gai duration (time to time tay ki jaati hai) ke andar, UPI Circle kaa use karke Google Pay App se koi bhi transaction nahi karta hai, to us Secondary User ke liye, UPI Circle kaa istemaal karke transactions karne ki permission ko suspend yaa terminate kiya jaa sakta hai.
Secondary User ke liye:
- Aap sehmat hain ki UPI Circle ke tahat, apne UPI ID ko Primary User ke UPI ID se link karne ki request ko accept karne par aapke naam, phone number, UPI ID, aur transaction ki details ko Primary User ke saath share kiya jaayega. Yah information, UPI Circle ki suwidha se kiye jaane wale transactions ki process mein shaamil doosri third parties ke saath bhi share ki jaayegi.
- Aapke paas apne UPI ID ko Primary User ke UPI ID se, kisi bhi time unlink karne kaa option hota hai.
Doosre Terms:
- Agar UPI Circle ke tahat, Secondary User ke paas tay limit ke liye permission hai, to vah har maheene total ₹15,000 tak ke transactions kar sakta hai.
- Agar UPI Circle ke tahat Secondary User ke paas tay limit ke liye permission hai, to vah har baar ₹5,000 tak ke transactions kar sakta hai.
- Tay Limit Ke Liye Permission Ke Tahat, Secondary User ke UPI ID ko Primary User ke UPI ID ke saath maximum 5 saal aur minimum 1 maheene ke liye link kiya jaa sakta hai.
- Secondary User ke UPI ID kaa verification karke usey Primary User ke UPI ID se link karne ke baad, 30 minutes kaa cooling period laagoo hoga. Is dauraan, koi bhi transaction nahi kiya jaa sakega.
- Google Pay apni samajh se aur aapko pahle se koi information diye bina, UPI Circle ki services kaa access aapke liye kisi bhi time suspend yaa band kar sakta hai. Saath hi, vah aapse Application kaa password yaa UPI PIN change karne ke liye bhi kah sakta hai. Aisa tab bhi kiya jaa sakta hai, jab UPI Circle ke Terms mein isse opposite baat kahi gai ho.

16. Gold Account

Gold rakhne yaa Purchase karne par Limits. Google aapke GAP account mein rakhe jaane wale Gold ki quantity ki limits yaa aapke GAP account mein Gold collect karne ke liye, GPay par aapki or se kiye jaane wale transaction ki limit tay kar sakta hai.

GAP Accounts kaa Suspension aur Termination. Google yah right reserve rakhta hai ki vah apni samajh se, (a) Aapke Gold Account kaa access suspend kar sakta hai; yaa (b) aapke GAP Account ko band karne ki request MMTC se kar sakta hai. Google aisa aapko pahle se information diye bina kar sakta hai aur iske liye aapke yaa kisi bhi third party ke liye Google liable nahi hoga. Aisa kisi bhi vajah se kiya jaa sakta hai. Jaise: KYC ki galat details submit karne par, fraud, Google Pay ke in Combined Terms yaa doosri policies kaa violation karne par jinhein hum time to time laagoo karte hain. Aise cases mein, Google zaroori lagne wala koi bhi action le sakta hai. Jaise, Aapke bank account mein paise credit karna aur MMTC ko Aapka Gold phir se purchase karne ki request karna.

Information Dikhaana. Google, Gold se related aisi information ko time to time Google Pay par dikhaayega jise MMTC general information ke purposes se available karaata hai aur update karta hai. Google, MMTC ki taraf se available karaai jaane wali kisi bhi information ke sahi hone ke liye liable nahi hoga aur na hi uski koi responsibility hogi.

Payment Transaction. Gold Account kaa use karke kiye jaane wale Sabhi Payment Transactions par, Google Pay ke Combined Terms laagoo honge. Baad mein koi confusion na ho, iske liye hum aapko bata dein ki Google, Google Pay par Aapke Google Account ke saath, GAP kaa technology integration available karaayega. Haalanki, sabhi Gold Transactions Aapke aur MMTC ke beech hote hain. Kisi bhi Gold Transaction ki vajah se hone wale yaa usse related kisi bhi loss ke liye, Google na to responsible hoga aur na hi liable hoga.

Information kaa Storage. Google Pay par Gold Account kholne kaa matlab hai ki aapne permission di hai ki Google Pay, Gold se related aapke kisi bhi transaction ki information aur Gold Account se related kisi bhi information ko time to time access, use, aur save kar sakta hai. Aisa aapko Google Pay par services available karaane ke liye kiya jaayega.

17. Communication services

Aapke paas Google Pay ke zariye messages bhejne kaa option hai. Agar doosre service providers, Users, Merchants yaa Billers ke saath aapki tarf se Google Pay ke zariye koi communication kiya jaata hai, to uski responsibility aapki hai. Google sirf ek aisa platform available karaata hai jiska use karke aap aur doosre service providers, Users, Merchants yaa Billers ek-doosre ke saath communicate kar sakte hain (Communication Platform). Google in parties ke beech hone wale kisi bhi conversation ke liye responsible nahi hai. Aapko yah ensure karna hoga ki Google Pay ke zariye koi bhi illegal, unlawful yaa unauthorized communication na kiya jaaye. Communication kaa content, Google Pay ke in Combined Terms aur khaas taur par, Google Pay ki Policies ke hisaab se hona chaahiye. Aapne doosre Users ko direct Communication Platform se koi bhi offer, promotion yaa advertisement na dikhaane ke liye sehmati di hai. Google yah right reserve rakhta hai ki agar aapke kisi communication mein Google Pay ki Policies yaa Google Pay ke in Combined Terms ko nahi maana gaya hai, to vah aapke liye Google Pay ki Services poori tarah se yaa uska kuchh part suspend yaa band kar sakta hai. Google, Google Pay ke zariye kiye gaye aapke communication ke data ko automated tareeqe se collect, store, use, aur access karne kaa right reserve rakhta hai. Google aisa Section 21 mein bataaye gaye purpose ke liye karta hai.

18. Offers

Google Pay ke Offers. Google Pay ke offers mein participate karne par, Google Pay ke Offers ke General Terms laagoo honge. Google Pay par milne wale referral offers yaa bonus quests ke liye, referrer aur referee, donon ko Google ki taraf se offer kiye jaane wale rewards mil sakte hain. Referrers ko Google ki taraf se offer kiye jaane wale rewards milenge. Haalanki, iske liye zaroori hoga ki unke referees, terms ke mutaabiq transactions karein. Aapko yah jaankari hai ki agar aapko Google Pay ke kisi maujooda user/referrer ne referral diya hai aur aapne Google Pay kaa use karke referral offer/bonus quests mein participate kiya hai, to referral offer/bonus quest ke liye zaroori terms ke mutaabiq transactions ke poore hone ki information aur unki progress kaa status, referrer ke saath share kiya jaayega. Aisa yah pakka karne ke liye kiya jaata hai ki reward paane ki progress, referrer ke saath share ki jaa sake, taaki transparency bani rahe. Aapko yah jaankari bhi hai ki referral offers sirf Indian mobile numbers ke users ke liye valid hain, jo +91 ke country code se shuroo hote hain.

Merchant/Biller ke Offers. Google Pay par Merchants yaa Billers ki taraf se aapko available karaaye jaane wale offers, aapke aur Merchant yaa Biller ke beech kaa maamla hai. Google aise offer ke content yaa aise offers ko available karaane ke liye responsible nahi hai.

19. Refunds, Chargebacks, aur Disputes

Refunds aur Chargebacks. Google Pay ke in Combined Terms mein bataaye gaye in cases ke alaava, Google Pay ki Services kaa use karke kiye jaane wale kisi bhi Transaction ko Google Pay, Payment Karne Wale ko refund nahi karta. Saath hi, Payment Karne Wala, Google Pay ki Services ke zariye paise vaapas nahi paa sakta. Payment method issue karne wale bank yaa company ke agreement yaa apply hone wale law ke tahat, aapko refund yaa chargeback se related additional rights mil sakte hain. Aapko Payment Method issue karne wale bank/company se mile statements ko review karna chaahiye, jismein Google Pay ki Services ke zariye kiye gaye sabhi Transactions ki information dikhti hai.

Agar Payment Method issuer kisi bhi payment ke liye chargeback ki requests karta hai, to Google us payment ke amount ko vaapas karne kaa right reserve rakhta hai. Google aane wale time mein Payment Paane Wale ko kiye jaane wale payments se, koi chargeback amount kaatne kaa right bhi reserve karta hai.

Disputes. Aapne samajh liya hai ki payment Transaction sirf Payment Karne Wale aur Payment Paane Wale ke beech hota hai. Google kisi bhi User, Biller, Merchant, third party yaa inmein se kisi ki taraf se available karaai gai kisi bhi service, product yaa delivery se related commitment ki guarantee yaa warranty nahi deta. Google Pay ki Services kaa use karne kaa matlab yah nahi hai ki Google kisi bhi User, Biller, Merchant yaa third party kaa promotion karta hai. Aapko yah ensure karna hoga ki aapne Google Pay ki Services kaa use karke kisi ko payment karne se pahle, sabhi zaroori details verify kar li hain. Koi bhi dispute, Payment Karne Wale aur Payment Paane Wale ke beech hota hai. Google aur/yaa Payments System Providers ko aise disputes mein party nahi banaaya jaata. Haalanki, UPI Payment Transactions ke cases mein, hum grievances / complaints ke resolution mein Users ki help karne ke liye responsible hain. Users, sabhi UPI Payment Transaction se related grievances/complaints ke liye sabse pahle hamse contact kar sakte hain. Agar complaint yaa grievance kaa resolution nahi milta hai, to phir PSP se contact karna hoga. Iske baad bhi resolution na milne par, Customer ke Bank aur aakhir mein NPCI se contact karna hoga. In sabhi se contact karne ke baad bhi resolution na milne par, Banking Ombudsman aur/yaa Digital Complaints ke liye Ombudsman se contact kiya jaa sakta hai.

Saath hi, agar aapne Google Pay ke zariye banaaye gaye, BHIM UPI yaa Credit Card ke credentials kaa use karke, kisi aise merchant yaa third party ko payment kiya jo process ke purpose aur/yaa funds ke settlement ke liye, Google Pay ki Services use nahi karti hai, to Google kaa role, Payments System Provider ko payment ke instruction dene tak limited hoga. Google, Transaction ko process karne yaa uske settlement ke liye responsible nahi hoga aur na hi kisi product ki delivery yaa service milne ke liye uski koi responsibility hogi. Haalanki, kuchh cases mein Google, Payment Paane Wale ke liye, payment collection agent ke taur par kaam kar sakta hai. Google aisa sirf Payment Paane Wale ki taraf se fund collect karne ke purpose se karega. Yah ensure karna aapki responsibility hai ki aapne sahi information di hai yaa Payment Paane Wale sahi vyakti yaa merchant ko select kiya hai.

Google, Payment Karne Wale aur Payment Paane Wale ke beech yaa Payment Karne Wale/Payment Paane Wale aur Payment Participants ke beech ke disputes mein mediator kaa role karne liye jawaabdeh nahi hai. Haalanki, agar Apply hone wale Law yaa Payment Participant ke Rules ke tahat zaroori ho, to Google kisi dispute ke baare mein Users ko aapas mein communicate karne yaa Payment Participant ko user ki complaint bhejne mein help karega. Google Pay ki Services se related kisi bhi complaint ke case mein, Google se contact karein. Hum jahan tak possible hoga, complaint ke resolution mein aapki help karenge.

Claim na Karna aur Responsible Na Thahraana. Aapne sehmati di hai ki Google aur uski Group Companies ke saath-saath in donon ke agents, contractors, officers, aur employees aise kisi bhi tarah ke claim, demand, aur damage (actual aur result ke taur par) ke liye responsible nahi honge jo kisi dispute ki vajah se hua ho yaa usse connected ho. Aapne sehmati di hai ki Google Pay ki Service kaa use karke, Payment Paane Wale, Payment Karne Wale, advertiser yaa kisi doosri third party ke saath kiye gaye kisi bhi transaction yaa agreement ki vajah se hui kisi bhi legal proceeding yaa dispute mein Google ko shaamil nahi kiya jaayega. Agar aapne aisa kiya, to (i) aapko case par Google aur uski Group Companies ke har tarah ke kharch aur lawyer ki fees kaa payment karna hoga. Saath hi, neeche di gai information ke mutaabiq aapko loss bhi bharna hoga aur (ii) aisi kisi bhi legal proceeding yaa dispute ke liye jurisdiction limited hoga, jiski information neeche di gai hai. Haalanki, Google Pay ke in Combined Terms mein aisa kuchh bhi nahi kaha gaya hai jisse aapko Payment Participants ke Rules yaa Apply hone wale Laws ke tahat, Payment Transaction se related rights na mil paayein yaa aap claim yaa defense na kar paayein.

20. Fraud yaa Bina Permission kaa Use

Agar Google Pay par maujood Aapke Google Account se koi Transaction hota hai yaa koi instruction diya jaata hai, to yah maana jaayega ki vah Transaction Aapne kiya hai yaa vah instruction Aapne diya hai. Agar Google Pay par maujood Aapke Google Account se Aapki personal yaa financial information ko aapki permission ke bina access yaa use kiya jaata hai, to uski poori responsibility aapki hogi. Google Pay par apne Google Account kaa bina permission use rokne ke liye, aapko Google ki or se recommended security measures ko maanna hoga. Agar aapko lagta hai ki Google Pay par aapke Google Account ko bina aapki permission ke access yaa use kiya gaya hai, to Customer Service se turant contact karein.

21. Risk Monitoring: Abnormal yaa Suspicious Transactions

Hum high-risk wali activities yaa fraudulent transactions kaa pata lagaane ke liye, aapke Transactions ko monitor kar sakte hain. Iske liye, hum Third Party Providers yaa doosre service providers ki help bhi le sakte hain. Ye Google Pay ki Services ke doosre elements mein bhi help karte hain. Agar humein lagta hai ki aapke Google Account par koi suspicious yaa abnormal activity hui hai, to hum Google Pay ki Services kaa access aapke liye kuchh time yaa hamesha ke liye suspend kar sakte hain.

Hum aur/yaa Payment Participants kai vajahon se kisi Transaction aur/yaa payments kaa settlement reject kar sakte hain. Jaise, risk management, fraud kaa shaq, illegal yaa doubtful Transactions, prohibited items sell karna, chargebacks/complaints yaa Payment Participant ke Rules mein di gain doosri vajahein, Google Pay par compromised yaa blacklisted cards, BHIM UPI accounts yaa Google Accounts kaa use karna vagairah. Agar Transaction reject ho jaata hai yaa complete nahi hota hai, to hum Paise Bhejne Wale ke Funding Account mein paise vaapas bhej denge yaa Apply hone wale Laws yaa Payment Participants ke Rules ke mutaabiq paise handle karenge.

Saath hi, hum Google Pay par maujood kisi Google Account par aisa koi action le sakte hain jo kisi statutory authority, government authority yaa Payment Participant ki taraf se zaroori ho.

22. Privacy aur Communications

Privacy. Google Pay ke Combined Terms mein diye gaye doosre clauses ke saath-saath aapne iske liye bhi sehmati di hai ki hum aapka personal data aur Google Pay ke zariye kiya gaya koi bhi communication collect, save, aur use kar sakte hain. Aisa hum Apply hone wale Laws aur hamaari Privacy Policy ke mutaabiq karenge. Privacy Policy mein bataaya gaya hai ki Google Pay kaa use karne par, hum aapke personal data kaa istemaal aur privacy ko kaise protect karte hain. Hamaari Privacy Policy ke saath-saath, neeche diye gaye paragraph mein UPI Transaction ke Data aur Loan Application ke Data ke use ki information di gai hai.

UPI Transaction kaa Data:

Google aapke payments se related information, jaise ki UPI Transaction ke Data ko Merchants, Banks, Third Party Providers, aur service providers ke saath share kar sakta hai. Is information ko operations, settlement payment ko process karne, aur Google Pay ki Services ke promotion ke liye share kiya jaa sakta hai.

Google (doosre shabdon mein, Google India Digital Services Private Limited) ke alaava koi bhi doosri entity Aapke UPI Transaction ke Data kaa use, paise kamaane ke purpose (jaise ki advertisements ke liye) se nahi kar sakti.

Agar 'Payment Paane Wala' aap hain, to aapne sehmati di hai ki Google aapko payment bhejne ke liye, Google Pay par aapke bank account number ke saath hi doosri information bhi save kar sakta hai.

Aap sehmat hain ki Google, automated methods se, Google Pay par aapke navigation, log, aur communication se related information/data access kar sakta hai. Yah information/data humein un merchants, markets, technology, operating systems, browsers, devices, locations ko analyze karne mein help karega jinke liye yaa jinse, Google Pay ki Services use ki gai hain. Example ke liye, aisi information aur iske analysis se humein aapki zarooraton ko behtar tareeqe se samajhne mein help milegi, taaki hum aapko zyaada services available kara sakein yaa kisi operating system aur mobile application ke versions vagairah ke liye updates develop kar sakein. Collect ki jaane wali is jaankari se humein aapko doosre products, programs yaa services dene mein bhi help milegi, jaise ki Merchants yaa Billers ke aise Offers jinmein aapka interest ho sakta hai. Iske alaava, software ko use karne mein aane wali problems ke baare mein alerts dene ke liye bhi yah information use ki jaa sakti hai.

Aap sehmat hain ki Google, automated methods se, aapke mobile device/mobile number par maujood aapke messages access kar sakta hai. Saath hi, vah aapko Google yaa uski Group Companies ki behtareen services dene ke liye, aapke messages se information ko access/use kar sakta hai. Example ke liye: OTP one-time password hota hai, jo bank aapko two-factor authentication ke liye bhejta hai. Humein apne messages ko access karne ki permission dene kaa matlab hai ki aapko yah jaankari hai ki hum aapke mobile device/number par mile OTP access kar sakte hain aur two-factor authentication ke liye, OTP ko apne-aap enter karke submit kar sakte hain.

Aap sehmat hain ki aapne kisi bhi third party yaa Payment Paane Wale se sabhi zaroori sehmati aur waivers pahle se le liye hain. Saath hi, aapne us third party yaa Payment Paane Wale ko notice dekar permission li hai ki Google, uski Group Companies, aur Payment Participants is paragraph mein diye gaye actions kar sakte hain. Aapne is baat ki bhi warranty di hai ki aane wale time mein Google ko aisi information dene se pahle, third party yaa Payment Paane Wale ko aise notice diye jaayenge aur aisi zaroori sehmati aur waivers liye jaayenge.

Agar aapne Google Pay yaa apne Google Account se kisi bhi information yaa data ko delete kiya yaa wipe-out kiya, to aapko yah jaankari hai ki hum Google ki Privacy Policy mein di gai vajahon se, aapki us information ko save rakh sakte hain, uska use kar sakte hain, aur/yaa usey disclose kar sakte hain. Aisa tab bhi kiya jaayega, jab aap yaa Google aapka Google Account yaa aapke liye Google Pay ki Services band kar dega.

Google ki Privacy Policy mein bataaya gaya hai ki Google Pay kaa use karne par, hum aapke personal data aur aapki privacy ko kaise protect karte hain.

Google ki taraf se yaa uske saath communication. Aap sehmat hain ki Google ki taraf se yaa uske saath communication ke liye, aapki information collect, save, aur use ki jaayegi. Aap sehmat hain ki hum khud yaa third parties ke zariye aapko emails, SMS bhejne ke saath-saath doosre tareeqe se aapse inke liye communicate kar sakte hain:

(i) aapko Google Pay ki Services dene aur transaction yaa account se related information dene ke liye;

(ii) aapko payment se related reminders/updates bhejne ke liye;

(iii) Google Pay ki Services yaa Google ki doosri services ke promotion ke liye;

(iv) Group Companies ki services yaa hamaare Third Party Providers ki services ke promotion ke liye, jaise ki in entities ki taraf se diye jaane wale koi bhi offer, schemes yaa prizes. In promotions ke liye, aapke UPI Transactions kaa Data use nahi hota;

(v) naye products aur activities ke promotion ke liye;

(vi) kisi bhi product yaa Google Pay ki Service se related issues, jaise ki complaints yaa unka resolution karne ke liye; yaa

(vii) aapke feedback ke liye.

Aapko behtar services dene ke liye, hum aapko surveys bhi bhej sakte hain, taaki hum ye jaan sakein: (i) hamaari Services ke saath aapka experience, aur/yaa (ii) aapki zarooratein.

Aapke paas Google Pay ki Services ke baare mein comments yaa ideas dene kaa option hota hai yaa hum aapko iske liye invite bhej sakte hain. Jaise, Service yaa hamaare product ko kaise aur behtar banaaya jaa sakta hai. Koi idea submit karne kaa matlab hai ki aapne in baaton ke liye sehmati di hai: disclose ki gai information ke liye, aapko paise nahi diye gaye hain, aapne apni marzi se usey share kiya hai, aur uske use par koi rok nahi lagaai hai. Saath hi, hum par kisi vishwaas ki yaa koi doosri responsibility nahi hogi. Hum aapko bina koi compensation diye, aapke idea ko use kar sakte hain aur/yaa usey non-confidential yaa kisi doosre tareeqe se kisi ke bhi saath share kar sakte hain.

Loan ki Application kaa Data:

Google Pay par loans ke liye apply karne par, Google Pay yah Personal Information collect kar sakta hai

Personal Details: Poora naam, date of birth, gender, email address, mobile number, PAN, marital status, father aur mother kaa naam, maujooda aur permanent address, bank account number, bank kaa IFSC number.
Employment aur Income ki details: Employment/ profession kaa type, employer/ company kaa naam, industry, registration kaa type, individual aur household income, office kaa address.

Google Pay aapke mobile phone ke kuchh features, jaise ki camera, microphone, location yaa kisi doosre feature kaa access maang sakta hai. In features kaa access, Lending third parties ko on-boarding/ KYC karne ke liye zaroori hota hai. Google Pay koi bhi biometric data collect nahi karta.

Google Pay, personal loan ki application ko process karne ke liye jo data collect karta hai usey in purposes ke liye use kiya jaata hai: a) Loan Facility Service ko aapki application ko process karne mein help karne ke liye, aapki information, Credit Information Agency ko bheji jaati hai, b) Loan Facility Service ke analytics ke liye, c) complaints/ claims/ disputes ko check yaa investigate karne ke liye d) products aur services ko time to time monitor yaa review karne ke liye, e) financial/ regulatory/ management ki reporting ke liye aur risk ko manage karne ke models create karne aur unhein banaaye rakhne ke liye f) audit karne aur record banaaye rakhne ke liye.

Loan ki Application kaa Data kaise Share kiya jaata hai?

Google Pay, aapke loan ki application ko process karne ke liye, aapse sehmati lene ke baad, aapke personal data ko Lending third parties ke saath share karta hai. Lending third party ke saath yah data share kiye jaane ke baad, vah ise save karegi aur data ko apni privacy policy ke hisaab se bhi process karegi. Yah vahi third party hogi jiske paas loan ke liye apply kiya gaya hai. Google Pay, kisi bhi lending partner ke saath, aapke personal data ko time to time share nahi karega. Koi bhi data sirf ek baar share kiya jaata hai.

Data aur Sehmati Delete karna / Data ko hamesha ke liye Delete/ Wipe-out / Retain karna

Aapke paas apne UPI Transaction ke Data aur Loan ki Application ke Data ko kabhi bhi delete karne kaa option hota hai. Isse aise data ke use ke liye aapki sehmati delete ho jaayegi. Iske liye, aapko Apne Google Accounts ki Setting par jaana hoga. Haalanki, Google Pay is baat ki responsibility nahi leta ki aapke account se data delete kiye jaane ke baad, Google ke Partners bhi vah data delete kar denge. Saath hi, data ko sirf legal reasons se yaa local laws aur regulations ke tahat delete kiya jaayega. Data delete, wipe-out kiye jaane, aur retain karne ki policies ke baare mein zyaada jaanne ke liye, Google ki Privacy Policy padhein.

Security

Google, apply hone wale laws ko maante huye, policy ke mutaabiq, personal data ko secure rakhta hai.

23. INTELLECTUAL PROPERTY RIGHTS KAA USE AUR PROTECTION

Google Pay ki Services ko copyright, trademarks, patents, trade secret aur/yaa intellectual property ke doosre laws se protect kiya gaya hai. Google LLC ke paas Google Pay ki Services ke title, copyright, aur worldwide intellectual property ke rights hain. Google Pay ke in Combined Terms se sehmat hone kaa matlab yah nahi hai ki aapko Google Pay ki Services mein intellectual property rights kaa koi right mil jaayega. Yahan explain kiya koi bhi Term aisa nahi hai jisse Users ko Google aur uski Group Companies ke intellectual property rights ko use karne, laagoo karne, unmein invade karne yaa kisi bhi tarah se unka faayda uthaane yaa violation karne ki permission milti hai. Inke liye, User ko pahle se permission leni hogi. In Terms se sehmat hone par, aapko Google Pay ki Service kaa use karne ke liye limited license diya jaata hai. Agar aap aise Merchant hain jise end user se payment paane ke liye, BHIM UPI ke Infrastructure ke zariye, Google Pay kaa use karna hai, to Google Pay ke Trademarks aur Google Pay ke Logos ko use karne kaa aapka limited right, Google Pay ke Brand ki Guidelines ke tahat tay hoga.

Feedback wale content ko Google Pay App par yaa uske zariye upload karne, submit karne, bhejne yaa paane par, Google ko vah content duniya bhar mein use karne, host karne, save karne, modify karne, edit karne yaa uske base par content banaane (jaise ki translation, adaptations yaa doosre changes karke jo content banaate hain, taaki Google Pay ki Services par aapka content behtar perform kar sake), usey communicate karne, publicly perform karne, aur distribute karne kaa hamesha ke liye license mil jaata hai. Yah license aapko vaapas nahi kiya jaayega, bhale hi Google ne iska use na kiya ho. Is license mein aapke diye gaye rights, sirf Google Pay ki Services ke operation, promotion, aur usey improve karne ke saath hi nai service develop karne ke liye hain. Google Pay ki Services kaa use band karne ke baad bhi yah license bana rahta hai.

24. Taxes ke liye Responsibility

Google Pay ki Services ke use par lagne wale kisi bhi tax ki reporting aur payment ki responsibility aapki hai. Aap Google Pay ki Services ke use par apply hone wale tax se jude kisi yaa sabhi laws ko, har maamle mein maanne ke liye sehmat hain. In laws mein, Google Pay ki Services kaa use karke kiye gaye Payments par lagne wale kisi bhi tax ki reporting aur payment yaa Google Pay ki Services ke zariye mile funds/income bhi shaamil hai

25. Nuqsaan ki bharpaai

Aapne is baat ki bhi sehmati di hai ki neeche bataai gai vajahon se, hone wale kharch aur actions ki responsibility aapki hogi. Iska matlab yah hai ki filhaal aur baad mein maamle se related kisi kharch yaa claim, demand, kisi vajah se liye jaane wale action, loan yaa lawyer ki suitable fees ke saath-saath baaki sabhi liabilities (jaise, lawyer ki fees, loss ko bharne wali parties ki cost shaamil hai. Iske liye koi limit tay nahi hai) ke case mein, Google, uski Group Companies, Payment Participants ke saath hi in sabhi ke directors, officers, owners, agents, co-branders yaa doosre partners, employees, information providers, license dene wali parties, license rakhne wali parties, consultants, contractors, aur laagoo hone wali third parties (ek saath inhein "Nuqsaan ki Bharpaai karne wali Parties") ke nuqsaan ki bharpaai, unhein defend karne, loss se bachaane ki responsibility aapki hogi:

(a) Services ko use karne par;

(b) Google Pay ke inmein se kisi bhi Term ko na maanne par yaa Google Pay ki policies kaa violation karne par;

(d) Aapki negligence yaa violation par yaa apply hone wale kisi bhi law yaa third party ke rights kaa alleged violation karne par.

26. Disclaimer

SERVICES, JINMEIN SABHI SOFTWARE, CONTENT, INFORMATION, MATERIAL, AUR FUNCTIONS SHAAMIL HAIN, JO SERVICES KE RELATION MEIN YAA UNKE ZARIYE AVAILABLE KARAAI JAATI HAIN. YE "JAISI HAIN" VAISI HI AVAILABLE KARAAI JAATI HAIN. LAW KE MUTAABIQ JAHAN TAK PERMISSION HO, GOOGLE AUR USKI GROUP COMPANIES KE SAATH-SAATH UNKE AGENTS, CO-BRANDERS YAA DEVICE MANUFACTURERS JAISE DOOSRE PARTNERS (EK SAATH "GOOGLE PARTIES" KAHA JAATA HAI), SERVICES YAA SERVICES PAR USE KIYE JAANE WALE AUR UNKE ZARIYE ACCESS KIYE JAANE WALE SOFTWARE KE ZARIYE ACCESS KIYE JAANE WALE CONTENT, MATERIAL, INFORMATION, AUR FEATURES KE LIYE KISI BHI TARAH KI UNDERTAKING YAA WARRANTY NAHI DETE. SAATH HI, YE SERVICES KE ZARIYE SENSITIVE INFORMATION KE TRANSMISSION SE RELATED SECURITY KE KISI BHI TARAH KE VIOLATION KE LIYE BHI UNDERTAKING YAA WARRANTY NAHI DETE. GOOGLE KI HAR PARTY BINA KISI LIMIT KE, SERVICES KE CASE MEIN KISI BHI TARAH KI WARRANTY KO DISCLAIM KARTI HAI. ISMEIN NON-INFRINGEMENT, MERCHANTABILITY YAA KISI KHAAS PURPOSE KE LIYE SAHI HONA SHAAMIL HAI. GOOGLE YAH WARRANTY NAHI DETA KI SERVICES MEIN SHAAMIL FUNCTIONS KE USE MEIN KOI INTERRUPTION YAA ERROR NAHI AAYEGI. GOOGLE, SERVICE KI RUKAAWAT KE LIYE RESPONSIBLE NAHI HOGA, JAISE KI SYSTEM KE FAILURES YAA KOI DOOSRI RUKAAWAT, JISKI VAJAH SE PAYMENT TRANSACTIONS YAA SERVICES PAANE, PROCESS KARNE, ACCEPT KARNE, POORA KARNE YAA UNKE SETTLEMENT PAR ASAR HO SAKTA HAI. ISMEIN INKE ALAAVA AUR BHI ACTIONS SHAAMIL HO SAKTE HAIN.

GOOGLE KI PARTIES, PAYMENT METHOD KI ACCURACY KE LIYE RESPONSIBLE NAHI HAIN. JAISE, PAYMENT METHOD KI INFORMATION SAHI AUR UP-TO-DATE HONE KI RESPONSIBILITY IN PARTIES KI NAHI HAI. AISE HI KAI MAAMLE HAIN, JINKI ZIMMEDAARI IN PARTIES KI NAHI HAI. PAHLE SE TAY KISI TERM KE DAAYRE MEIN CHANGES KIYE BINA, AAPNE SEHMATI DI HAI KI YAH INFORMATION, PAYMENT METHOD ISSUER AVAILABLE KARAATA HAI AUR ISE EK TAY DURATION KE HISAAB SE AVAILABLE KARAAYA JAATA HAI. AISA HO SAKTA HAI KI SERVICE USE KARTE TIME YAA PURCHASE YAA REDEMPTION KE TIME AAPKE MAUJOODA TRANSACTIONS, AVAILABLE BALANCE YAA ACCOUNT YAA PROGRAM SE RELATED DOOSRI INFORMATION SAHI NA DIKHE. AISE TRANSACTIONS KE RESULT KE TAUR PAR, AAPKO FEES YAA DOOSRE CHARGES DENE PAD SAKTE HAIN, JAISE KI OVERDRAFT FEES YAA DOOSRE CHARGES. AISA, PAYMENT METHOD ISSUER KE SAATH KIYE GAYE AAPKE AGREEMENT KE MUTAABIQ HO SAKTA HAI. SAATH HI, YAH BHI HO SAKTA HAI KI REDEMPTION YAA PURCHASE KI PROCESS POORI NA HO.

27. Liability ki Limitations; Unexpected Incident

GOOGLE YAA USKI GROUP COMPANIES KISI BHI SITUATION MEIN AAPKE YAA KISI BHI THIRD PARTY KE LIYE, SEEDHE TAUR PAR PATA NA CHALNE WALE LOSSES YAA DAMAGES KE LIYE RESPONSIBLE YAA LIABLE NAHI HONGI. INMEIN PROFIT, GOODWILL, USE YAA DATA SE RELATED DAMAGES SE HONE WALE LOSSES KE ALAAVA SEEDHE TAUR PAR NA DIKHNE WALE DOOSRI TARAH KE LOSSES BHI SHAAMIL HAIN. YE LOSSES, GOOGLE KI KISI BHI PARTY YAA SERVICES KE ALAAVA SERVICES KE ZARIYE PURCHASE KIYE GAYE, HAASIL KIYE GAYE, SELL KIYE GAYE KISI BHI PRODUCT, SERVICE YAA INFORMATION SE RELATED HO SAKTE HAIN. ISKE ALAAVA, INKE LIYE KIYE GAYE PAYMENT SE RELATED BHI HO SAKTE HAIN. ISSE FARQ NAHI PADTA KI CLAIM KE TYPE YAA ACTION KI VAJAH KAA NATURE KYA HAI YAA GOOGLE KI PARTY KO AISE LOSSES YAA DAMAGES KI POSSIBILITY KE BAARE MEIN INFORMATION DI GAI HAI. KISI BHI SITUATION MEIN, GOOGLE PAY KE IN COMBINED TERMS KI VAJAH SE YAA INSE RELATED GOOGLE KI PARTIES KI POORI LIABILITY US TOTAL AMOUNT SE ZYAADA NAHI HOGI JO GOOGLE NE CLAIM KIYE JAANE KI DATE SE TEEN MAHEENE PAHLE KI DURATION KE DAURAAN, AAPKE VALID TRANSACTIONS SE HAASIL KIYA HAI AUR USEY BANAAYE RAKHA HAI.

Google Pay ke in Terms mein aisa kuchh bhi nahi hai jisse koi bhi party in situation mein liability se bach sakti hai yaa uski liability limited ki jaa sakti hai: (i) death yaa personal injury; (ii) fraud; (iii) fraudulent misrepresentation; yaa (iv) koi bhi aisi liability jisse law ke tahat bacha nahi jaa sakta aur na hi usmein kisi tarah ki chhoot mil sakti hai.

Aapne aur Google, donon ne Google Pay ke in Combined Terms mein bataai gai liability ki limitations ko accept karte huye yah agreement kiya hai. Ye limitations donon parties ke beech huye agreement kaa zaroori base hain. Oopar bataaye gaye events ke alaava bhi kai maamle hain, jinmein Google ki koi bhi party aise kisi bhi failure yaa deri ke liye liable nahi hogi jo uske reasonable control se baahar ki situation ki vajah se hui ho. Inmein government ke actions, terrorism act, earthquake, fire, flood yaa doosre tarah ke natural disasters, labor conditions, power failures, Internet disturbances vagairah shaamil hain.

28. Termination aur Suspension

Hum apni samajh se, Google Pay ki ek yaa zyaada Services kaa access aapke liye suspend yaa band karne kaa right reserve rakhte hain. Hum aisa aapko pahle se koi information diye bina kar sakte hain aur iske liye aapke yaa kisi third party ke liye hamaari koi liability nahi hogi. Hum aisa kai vajahon se kar sakte hain, jaise ki Google Pay ke in Combined Terms kaa violation karne par jinhein hum time-time par laagoo karte hain. In vajahon ko bina kisi limit ke shaamil kiya gaya hai.

29. Advertising

Google Pay ke kuchh features, advertisements se milne wale revenue se fund kiye jaate hain aur un par advertisements aur promotions dikh sakte hain. Aap sehmat hain ki in features ko access aur use karne par, Google aapko in par advertisements aur promotions dikha sakta hai.

30. Governing Law; Jurisdiction

Google Pay ke Terms aur Google Pay ki Policies, India ke laws ke tahat tay aur control ki jaayengi. Aap sehmat hain ki oopar diye gaye documents mein bataaye gaye terms ki vajah se hone wale koi bhi legal action yaa proceedings, sirf un courts/tribunals mein ki jaayengi, jo New Delhi, India ke jurisdiction mein aate hain aur jahan is tarah ke cases handle kiye jaate hain. Saath hi, un courts se mile faisle aapko bina kisi objection ke manzoor honge. Aapne yah samajh liya hai ki Google Pay par aapne jo information available karaai hai, hum usey share kar sakte hain. Hum aisa, apply hone wale law, rule yaa legal process ko maanne ke liye kar sakte hain. Saath hi, laagoo ki jaa sakne wali governmental request ko poora karne ke liye bhi aisa kiya jaa sakta hai.

31. Terms of Service mein Modification

Hum apni samajh se, Google Pay ke Combined Terms ke kisi bhi part ko kabhi bhi change karne, usey modify karne yaa usey edit karne kaa right reserve rakhte hain. Ye changes, post karte hi laagoo ho jaayenge aur aapki or se accepted maane jaayenge. Saath hi, ye post kiye jaane ki date ke baad wale payments par laagoo honge. Aise kisi bhi changes se sehmat na hone par, aapke paas ek hi tareeqa hai ki aap services kaa use band kar dein.

Saath hi, hum kisi bhi time poore Google Pay App yaa Services mein yaa unke kuchh part mein change karne yaa unhein kuchh time ke liye yaa hamesha ke liye band karne kaa right reserve rakhte hain. Hum aisa, notice dekar yaa bina notice diye bhi kar sakte hain. Hum apni samajh se, laagoo hone wali fees jaisi Services bhi change kar sakte hain. Agar aap changes se sehmat nahi hain, to aapke paas Services kaa use band karne kaa option hoga. Changes laagoo hone ke baad Services kaa use karne par, yah maana jaayega ki aap changes se sehmat hain. Aap is baat se bhi sehmat hain ki Services mein kisi bhi change, unke suspension yaa unhein band karne ke liye, hum aapke yaa kisi bhi third party ke liye liable nahi honge.

32. English Language ko Preference diya jaayega

Google Pay ke in Combined Terms kaa kisi bhi language mein translation, aapki convenience ke liye available karaaya gaya hai. Yahan diye gaye rule, terms, aur representations kaa matlab vahi hoga jo English language ki definitions aur interpretations mein bataaya gaya hai. Aisa ho sakta hai ki available karaaya gaya koi translation, original English mein di gai information ko accurate tareeqe se represent na kare.

33. Assignment

Google Pay ke in Combined Terms aur iske tahat diye gaye kisi bhi right aur licenses ko kisi doosre vyakti ko transfer karne yaa assign karne kaa right aapke paas nahi hai. Hum is Agreement ke benefits yaa responsibility ko poori tarah se yaa uska kuchh part assign kar sakte hain. Hum aapko aise assignment ki information denge jinhein maanna, in Terms aur Conditions ki sabhi parties ke liye zaroori hoga.

34. Claim na Karna

Jab tak is Agreement mein alag se koi baat nahi kahi gai ho, tab tak Google Pay ke in Combined Terms ke tahat mile kisi right yaa remedy kaa use na karne yaa use karne mein deri hone par, us right yaa remedy ke saath hi kisi doosre right yaa remedy se aapko claim nahi hataana hoga. Saath hi, Google Pay ke in Combined Terms ke tahat milne wale kisi bhi right yaa remedy ko sirf ek baar yaa uske kuchh part ko use karne par, us remedy yaa right ke saath hi kisi doosre right yaa remedy ko future mein use karne par rok nahi lagegi.

35. Provisions kaa Bane rahna

Google Pay ke Combined Terms mein shaamil terms aur provisions, jo apne nature aur content ki vajah se, yahan bataai gai kisi bhi yaa sabhi parties ke saath is Agreement ke poora hone aur khatm hone ke baad laagoo rahne ke liye banaaye gaye hain ve Agreement ke poora hone aur khatm hone ke baad bhi laagoo rahenge.

36. Agreement alag-alag parts mein laagoo hona

Agar Google Pay ke Combined Terms kaa koi provision poori tarah se yaa uska kuchh part invalid yaa legal taur par laagoo karne laayak nahi hai, lekin us provision kaa kuchh part remove karne par vah valid yaa laagoo karne laayak ho sakta hai, to us part ko remove karke, provision ko laagoo kiya jaayega, taaki vah valid ho. Agar jurisdiction mein aane wale court/tribunal ko Google Pay ke Combined Terms mein shaamil koi provision, unlawful yaa kisi doosri vajah se kaam kaa nahi lagta hai, to Google Pay ke Combined Terms kaa baaki part poori tarah se laagoo rahega aur unlawful yaa illegal yaa kisi doosri vajah se kaam ke na lagne wale provisions ki jagah usi purpose wala naya provision laagoo kiya jaayega.

GOOGLE PAY KE TERMS KAA ADDITIONAL DOCUMENT: NON-RESIDENT INDIANS KE LIYE GOOGLE PAY KE TERMS OF SERVICE

1. Introduction

Apply hone wale Terms. Non-Resident Indians ke liye Google Pay ke ye Terms of Service (“Non-Resident ke liye Google Pay ke Terms”), Google Pay ke Terms kaa part hain aur unke supplement ki tarah kaam karenge. Ye zaroori terms un Eligible Non-Resident Users (jinke baare mein neeche bataaya gaya hai) par laagoo hote hain jo Google Pay par UPI (“UPI par NRE/NRO accounts”) use karte hain. Non-Resident ke liye Google Pay ke in Terms aur Google Pay ke baaki Terms ke beech koi difference hone par, UPI par NRE/NRO accounts ke case mein, Non-Resident ke liye Google Pay ke ye Terms laagoo honge.

Zaroori Terms Poore Karne Wale Non-Resident Users. UPI par NRE/NRO accounts aise Non-Resident Indians (“NRIs”) ke liye available hain jinke paas Foreign Exchange Management Act, 1999 (“FEMA”) ko maanne wale non-resident (external) rupee accounts (“NRE Accounts”) yaa non-resident ordinary rupee accounts (“NRO Accounts”) hain aur inmein se kisi bhi country code wale mobile number hain (“Zaroori Terms Poore Karne Wale Non-Resident Users”):

Singapore country code (+65).

Google, doosri countries ke codes wale mobile number kaa use karne wale NRI users ke liye bhi UPI par NRE/NRO accounts kaa use karne ki permission de sakta hai aur un par Non-Resident par apply hone wale Google Pay ke ye Terms laagoo kar sakta hai. Aisa, apply hone wale law ke tahat time to time kiya jaayega.

Agar Term poore karne wale Non-Resident Users, UPI par NRE/NRO accounts use karte hain, to un par Google Pay ke Combined Terms laagoo honge. Inmein Google Pay ke Terms bhi shaamil hain (jaisa ki Indian residents ke liye laagoo hote hain), jinke supplement ke taur par, Non-Resident Indians ke liye, Google Pay ke ye Terms of Service laagoo hote hain.

Aapko yah jaankari hai aur aap sehmat hain ki Google, Non-Resident ke liye Google Pay ke inmein se kisi bhi term ko time to time update karne kaa right reserve rakhta hai. Aap Google Pay ke Combined Terms aur Non-Resident ke liye Google Pay ke in Terms ke baare mein up-to-date rahne ke liye, inhein regularly padhein.

2. UPI par NRE/NRO accounts use karke Transactions karna

Transaction ki Limits. UPI par NRE/NRO accounts use karke kiye jaane wale har Transaction par, Transaction ki minimum aur maximum limits laagoo hongi. Ye limits, time to time update hoti hain. Inhein (i) FEMA ke tahat; aur/yaa (ii) UPI ke case mein NPCI ke zariye; aur/yaa (iii) us bank ke zariye update kiya jaata hai jahan aapka NRE Account yaa NRO Account (jo bhi account use kiya jaa raha ho) hai.

Permissible Transactions. UPI par NRE/NRO accounts use karke sirf aise Transactions kiye jaa sakte hain jinke liye FEMA ke saath hi apply hone wale doosre laws ke tahat in accounts se (jo bhi apply hoga), Transactions karne ki permission mili hui hai.

3. Disabled Features

Aapko yah jaankari hai aur aap sehmat hain ki Google kisi bhi time Google Pay aur/yaa UPI par NRE/NRO accounts se related feature aur/yaa function ko band karne kaa right reserve rakhta hai. Google aisa apni samajh se aur pahle se koi information diye bina kar sakta hai. Is vajah se, Google Pay ke Terms mein in features/function se related provision, Zaroori Terms Poore Karne Wale un Non-Resident Users par laagoo nahi honge jinhone UPI par NRE/NRO accounts use karne kaa option select kiya hai.

Example ke liye, agar Zaroori Terms Poore Karne Wale Non-Resident Users, UPI par NRE/NRO accounts use karte hain, to unhein Google Pay ke ye features nahi milenge:

(a) Zaroori Terms Poore Karne Wale Non-Resident Users se unki Phonebook kaa access nahi maanga jaayega. Is vajah se, unhein Google Pay App par, phonebook mein maujood contact information nahi dikhegi.

(b) Zaroori Terms Poore Karne Wale Non-Resident Users, Google Pay par Loan Facility ki Services yaa doosre finserv products ko access nahi kar paayenge.

(c) Zaroori Terms Poore Karne Wale Non-Resident Users ko international payments ke liye, payment methods add karne kaa feature nahi milega.

(d) Zaroori Terms Poore Karne Wale Non-Resident Users ko Google Pay par apne credit yaa debit cards ko Virtual Account Number create karke tokenize karne kaa feature nahi milega.

(e) Zaroori Terms Poore Karne Wale Non-Resident Users ko FEMA ke tahat, India se baahar rahne wale logon ke liye apne NRE Accounts aur doosre permissible accounts ke beech fund ko transfer karne ki permission nahi milegi.

(f) Agar koi user, Zaroori Terms Poore Karne Wale kisi aise Non-Resident User ko Google Pay ke user ke taur par refer karta hai jo NRE Accounts yaa NRO Accounts use karta hai, to usey cash-back rewards yaa scratch cards nahi milenge. Isi tarah, agar Zaroori Terms poore Karne Wale Non-Resident Users, NRE Accounts yaa NRO Accounts ko use karte hain, to unhein referral cash-back rewards yaa scratch cards nahi milenge.

(g) Agar Zaroori Terms Poore Karne Wale Non-Resident Users, NRE Accounts yaa NRO Accounts use karte hain, to unhein GPay ke doosre users se payment collect karne yaa payment paane ki request karne ki permission nahi milegi.

(h) Zaroori Terms Poore Karne Wale Non-Resident Users apne RuPay credit cards, Google Pay par link nahi kar paayenge.

(i) Zaroori Terms Poore Karne Wale Non-Resident Users apne UPI IDs ko apne phone numbers se link nahi kar paayenge.