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As a marketing professional, I’ll admit we use psychology A LOT!In fact, it’s pretty much my entire job. I’ve always told my colleagues, friends and family that marketing is essentially behavioral psychology.Here are some psychological principles, explanations of how they work, and some examples of how companies are using them to marketing to you and sell more product.Mere-exposure effectWhat it is: People tend to develop a liking and trust for things familiar. Affinity breeds liking.How it works: Simply put, the more you’re exposed to something, the more you deem it trustworthy. Repetition often produces familiarity because it rewires neural pathways, thereby manifesting in a proclivity and assurance for the familiar. The first exposure to a novel stimulus (i.e., your product) will simply bring its awareness to the consumer. Subsequent introductions turn awareness into attention, moving it up the trust scale. As it moves further up the scale, a lure compels you until finally the trust is established and a desire for the product is set.Examples in marketing:In a study on banner ads, college-aged students were asked to read an article online while banner ads were displayed. In short, the study concluded that the group exposed to the “test” banner rated the ad more favorably than other ads shown less frequently or not at all.Remember the last time you were on an ecommerce website, and three minutes later on Facebook an ad for that product appeared? It’s called retargeting, and it’s currently one of the most profitable advertising mediums. The mere-exposure effect is also illustrated in retail when we purchase the name brand item over the generic item simply because we’re familiar with it, even though nearly everything is the same besides the label.Radio ads are infamous for repeating their phone number 5+ times in hopes to leverage this principle (though some recent studies show this doesn’t work).Venture into any shopping mall at Christmas time and hear all the recognisable Christmas songs being played. Dr Victoria Williamson found that the mere-exposure effect can provide a positive memory when hearing a familiar song, and this is used by retailers as a way to boost sales and keep people shopping for longer.Games developers have long used familiarity to their advantage as well, and companies including Microgaming have found that basing their online slots on popular films like Jurassic Park is a sure way to attract players. This is supported by research – players of slot games are more likely to go for a ‘brand that has been tested on the wider public before it gets adapted into a slot’.AnchoringWhat it is: the common human tendency to rely too heavily on the first piece of information offered (the “anchor”) when making decisions.How it works: Once the anchor is set, decisions are then made by adjusting around the initial anchor number, regardless of the legitimacy of the actual anchor number.When we humans are uncertain about the correct answer, we take a guess using the most recent number we’ve heard as a staring point. Various studies have shown that even when subjects are informed about the irrelevancy of the anchor, it is still incredibly challenging to avoid factoring it into decisions.Examples in marketing:Black Friday. Companies take advantage by marketing their prices up, then give major discounts. For examples, a TV that regularly sells for $200 maybe prices at $375 gets marked 60% off. That brings the total to $175, which is only 12.5% off.Purchase Quantity Limits. We’ve all seen the sign before, there’s something on sale with a sign reading “Limit 12 Per Customer.” Most people conclude this limit is there to protect the store from being wiped out of the sale item of overly-eager bargain hunters.Multiple Unit Pricing. “On Sale, 4 Rolls of Bathroom Tissue for $2” vs. “On Sale, $0.50/roll.” In this particular experiment, the multiple unit pricing performed 40% better than the single unit pricing, even though the sale value is exactly the same. The brain uses the number four as the anchor.Authority HeuristicWhat it is: When people in positions of power (authority, expertise, influence, etc.) hold opinions on a certain subject, their opinions are regarded as trustworthy.How it works: Legitimate authorities have usually achieved their positions through superior experience, skill, wisdom or power. When we are unsure or unclear how to act, we often turn to authorities for guidance. This shortcut allows us to utilize the knowledge of the expert so we don’t have to do all the hard work (and often avoid responsibility).There are many different ways that consumers can identify authority. Titles, such as PhD, Governor or Olympic Gold Medalist, are often one of the hardest to attain by the authority figure, while they are often the easiest and quickest ways to identify authority for the consumer. Physical appearance, such as a white lab coat, briefcase or stethoscope, are inferred indicators of authority, but can easily be faked. Possessions, such as new sports car, penthouse suites or luxury watches, can have the same effect.Examples in marketing:Celebrity endorsements in advertising is the most prevalent use of this principle.This is so powerful that even when an actor playing a doctor on a TV show, dressed up in character and promoted a completely unrelated product (coffee), it outsold it’s previous sales records by double.One group of real estate agents was able to increase both the number of property appraisals and the number of subsequent contracts that they wrote by arranging for reception staff who answered customer inquiries to first mention their colleagues’ credentials and expertise.“9 out of 10 dentists use Crest.”PrimingWhat it is: Subtle suggestions to the subconscious mind can influence subsequent behavior.How it works: Priming is the means by which you activate a schema or mindset. For any general concept, you usually associate many other ideas with that concept. For example, your concept of mother would include the idea of love, along with many other ideas that you associate with your mother. Further, if that set of associations (or schemas) becomes activated, it can alter your perception and behavior because it would make the other associated concepts more prevalent in your mindWhy is it so powerful? It can be effective when it occurs entirely outside of our conscious awareness. Researchers in a study subliminally primed people with either the logo from Apple, a company with a very creative connotation, or the logo from IBM, a company with a very straightforward, noncreative connotation. The logos were only shown for thirteen milliseconds, so people weren’t consciously aware that they were exposed to those logos. However, people who were flashed with Apple’s logo exhibited higher creativity than did people who were exposed to IBM’s logoExamples in marketing:Just watch this to see the power of priming.It will blow your mind.Bandwagon EffectWhat it is: We tend to put our trust in something because we believe many other people have put their trust in it first. There is safety in numbers.The phrase “jumping on the bandwagon” comes from American politics in the late 1800s. Dan Rice, a well-known performer at the time (mainly circus acts), used his bandwagon and loud music as a ploy to gain attention for his political campaign. As his popularity picked up, more and more people saw his success and wanted a seat on the wagon. He didn’t win, but this effect was so strong that it became a standard part of campaigning. However, it was so widely used that soon a negative connotation was associated with that term, insinuating that people wanted to join the crowd in order to affiliate themselves with success.How it works: When we see a group of people we want to be a part of, social proof kicks in and the innate need to feel a sense of belonging drives us to conformity. We want to be part of the “in-crowd.” This effect is so strong that people often ignore or even override their beliefs to follow the crowd.This relies on assumptions, which we use as mental shortcuts. Our subconscious tells us, “If everyone else is buying this brand of toothpaste, then it must be good. I don’t have to go through the hassle of doing the work to find the best brand. I’ll just use the collective wisdom of the crowd.”Examples in marketing:Have you ever decided which YouTube video to watch based on how many views it has? Social media makes this trigger extremely effective, showing you exactly how social each piece of media is, helping you easily jump onto the bandwagon.Reviews and ratings: The crowd has the power to direct attention. A study by Harvard’s Michael Luca found that a 1-star increase on Yelp can boost a local business’s revenue by 5%-9%. In another recent study, two Berkeley economists found that a ½ star increase in ratings on Yelp improved its chances of having all of its seats sell out by 49%.There are entire business models built around this concept. Think daily deal sites, like Groupon, which was one of the fastest companies to reach a $1 billion valuation. Also look at crowdfunding sites, like Kickstarter, which has reportedly received more than $1.5 billion in pledges.Ingroup BiasWhat it is: The Ingroup Bias simply states that we like and trust people who we perceive as being similar to us.How it works: It’s human nature to seek out like-minded individuals, and because we view them to be like us, we automatically trust them more. Conversely, we tend to distrust and doubt those who are dissimilar to us. This creates an us-versus-them mentality. Standing against something can be just as powerful in marketing as standing for something.Examples in marketing:Goldstein, Cialdini, and Griskevicius (2008) conducted a study on Using Social Norms to Motivate Environmental Conservation in Hotels. In particular, they tried to determine what kind of message would get hotel guests to reuse their towels. They used three variations:Standard message: 'help save the environment'75% of hotel guests in this hotel reuse their towels75% of hotel guests in this room reuse their towelsMessages that related to the participant - other guests reuses towels - increased participants reusing them by 10-15%.Let’s look at the Harley Davidson brand. Harley riders have an instant extreme affinity for other Harley riders. Harley riders are fanatical- so fanatical, it almost feels like a cult! They’re made up of a very specific type of person, and they identify with each other, saying, “People like us ride Harleys.” Do you think a newbie who wants to be known as a rider goes out and buys a Honda or a Harley?Huckberry is a great example of this. Its target audience is the urban outdoorsman- someone who lives in the city but would like to think of themselves as an outdoorsman. However, the truth is they’re too busy working at Google or Facebook and haven’t been camping in a while. By buying from Huckberry, they are communicating, “I’m the type of people who camps.”Scarcity HeuristicWhat it is: As items become more limited and difficult to acquire, the perceived value of those items increase. This shortcut relies on a person’s perception of how immediately accessible or obtainable something is.How it works: This trigger goes hand-in-hand with our previous trust factor. When there are limited resources, a trigger goes off in our minds and those resources suddenly become more attractive. Your subconscious tells you, “Those must be in high demand. I don’t want to lose out!” In his bestselling book, Influence, Robert Cialdini explains, “The tendency to be more sensitive to possible losses than to possible gains is one of the best-supported findings in social science.”Examples:Have you ever been standing in the isle of the store looking at the dizzying array of items – say cold or allergy medicine – when you notice there’s only one box left of Allegra, but a dozen boxes left of all the other options? Which one did you buy?We don’t need to look far for examples of scarcity as a business model. Antique stores and collectible items are doing extremely well.Twinkiemania was an extreme example of what people do in the face of scarcity. The Downfall Of Hostess Led people to auction Twinkies for absurd prices on eBay.Scarcity works with not only quantity but also time. QVC has decided to implement a limit on both time and quantity, which has worked quite well for them. Retail stores leverage the time limitation whenever they can with holidays sales, anniversaries and pretty much any other excuse they can think of to have a sale.Anti-Inference BiasWhat it is: seeing is believing.How it works: People often question the validity of a claim based on facts, figures and theory, but when empirical evidence is introduced, they are converted to believers. The more dramatic the demonstration, the more awe is inspired, the more people will flock to buy the product. Hearing something hundreds of times is not nearly as powerful as seeing it once.Examples:Have you ever been flipping through the TV channels late at night, only to stop on an infomercial and see kitchen knives cutting through a plank of wood, a piece of rock and a hammer (yes, a hammer!)? Did you immediately want a set? Be honest- did you buy a set?We’ve all seen the Tempurpedic mattress demonstration where someone is jumping on the bed with of a full glass of wine of staying upright. Anyone who has been woken up by a restless partner in bed is in awe, saying to themselves, “If someone jumping on a bed doesn’t disturb a full wine glass, surely I won’t be disturbed when my partner rolls around at night.”The entire infomercial business lives on this principle.The Psychology of Color in marketingUnpredictable/Variable Rewards:What it is: In a traditional reward model, someone takes an action and they get rewarded. In the variable reward, it’s different. It’s called “variable” because you don’t reward the action every time. In other words, the reward unpredictable.How it works: In advertising, marketers reinforce a behavior by linking to the promise of reward to their product. “Use our product and members of the opposite gender will be immediately attracted to you.” Products in nearly every category has used this, from cars and hamburgers to clothes and soap.BF Skinner showed this by rewarding a mouse with food in two different ways:rewarding every 5th time it pressed a bar (fixed ratio scheduled)rewarding randomly (variable reinforcement).He found that the second option was more long-lasting and required less reinforcement (less food)!Examples in marketing:Imagine if a restaurant didn't tell us when they're going to give us a free drink. We'd probably be going back as much as we could to maximize our chances of getting that free drink! Cereal brands and Willy Wonka's chocolate factory take advantage of variable reinforcement by putting golden tickets in some of their cereal boxes or candy bars, spurring us to want to buy more for a shot to win!You know those stamp cards that some restaurants and coffee shops give you that allow you to get a free drink on the 10th time you come? Actually, although those cards can be effective, they're not the most effective way of incentivizing customers to come back. Instead of having a fixed ratio reinforcement schedule, where customers get rewarded every 10th time they come, you should have variable reinforcement, where customers get rewarded randomly.Slot machines are the best example. The promise for the huge reward coupled with the variability keeps you coming back.ReciprocityWhat it is: If someone does something for you, you naturally will want to do something for them.How it works: People are obliged to give back to others the form of a behavior, gift, or service that they have received first. This is deeply rooted in our psychology and served as a survival mechanism when we were hunting and living in caves. However, we still see the effects today. If you've ever gotten a mint with your bill at a restaurant, you've been the victim of reciprocity.Studies have even show that the reciprocity principle can generate a return in kind to your requests even if your initial gift is not asked for. Or when the person you're giving a gift to doesn't like you. Or when the gift obviously results in an unfair or uneven exchange.Examples in marketing:In your marketing, there are a lot of ways to take advantage of reciprocity. You don’t have to be rolling in dough to give something away; it can be anything from a branded sweatshirt to an exclusive ebook, to a free desktop background, to your expertise on a difficult subject matter. Even something as simple as a hand-written note can go a long way in establishing reciprocity.According to a study by Cialdini, when servers bring a check to their patrons without a mint, the diners will tip according to their perceptions of the service given. With one mint, the tip jumps up 3.3%. Two mints? The tip jumps "through the roof" to roughly 20%.When buying a car (or any other high ticket item), the salesman will play good cop/bad cop where he is the good cop, and his boss is the bad cop (who you often never meet, see, interact with, etc.). He says he’ll go to bat for you with his boss – he comes back and says he got another $500 knocked off the price and a free car wash. You feel obligated to say yes because of this principle.Free samples at Costco… nuff’ said.

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You understand that We do not own those services and you may need to accept their respective terms and conditions, ane may require to share additional information in order to avail such products/services provided by third parties on PhonePe Platform PhonePe does not hold any Liability on the information collected from You by third party website or application and We cannot indemnify You for any third party actions.OffersPhonePe or PhonePe Entities may invite you to participate in any offer from time to time. You agree that participating in such an offer is subject to your agreement to the respective offer terms and conditions. You also understand that the offers might be provided by third parties on PhonePe Platforms and you may require to agree to respective terms and conditions of third parties. You further agree that offers provided to any user may vary from user to user.PhonePe reserves the right to disqualify You from any offer in case you do not meet the eligibility criteria for such an offer or any other reasons thereof including but not limited to misuse of offer, misrepresentation, fraud or suspicious transactions/activities, including but not limited to PMLA directives or any at our sole discretion without further notice.CommunicationPhonePe and PhonePe entities may communicate with you on the contact information that you may have provided to Us during the course of your engagement, including but not limited to signup, transacting or availing any third party products or services on PhonePe Platform.We will send you communication alerts via emails or SMS or push notifications or via other progressive technology. You also agree that there can be disruption in communications due to factors that are not under Our control, including but not limited to Your Phone being switched off, incorrect email address, network interruptions. You agree not to hold PhonePe liable for non-delivery for any alert or any loss suffered by you due to delay, distortion or failure of communication.You further acknowledge that you are responsible for the contact details shared with Us and shall update us on any change on your contact details. You authorize Us to contact you and communicate with you for any PhonePe Service or Offer(s). We may use third party service providers to send alerts or communicate with you. You authorize PhonePe and PhonePe Entities to override the DND settings to reach out to you over calls, SMS, emails and any other mode of communicationIntellectual Property RightsIntellectual Property Rights for the purpose of this Terms of Use shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights. All those Intellectual Property rights arising as a result of domain names, internet or any other right available under applicable law shall vest in the domain of PhonePe or PhonePe entities as the owner of such domain name. The Parties hereto agree and confirm that no part of any Intellectual Property rights mentioned hereinabove is transferred in the name of User and any intellectual property rights arising as a result of these presents shall also be in the absolute ownership, possession and Our control or control of its licensors, as the case may be.All material on this PhonePe website and mobile application, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights of PhonePe, PhonePe Entities or Business Partners. Material on Website is solely for Your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other platform or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited.Use of Group Companies:You understand and agree that PhonePe and PhonePe Entities reserve the right to use the services of themselves to provide any of the mentioned PhonePe Services to you within PhonePe Platforms.TerminationYou agree that PhonePe at its sole discretion may terminate your contract without prior notice and restrict your access to PhonePe application if We determine that You have violated the terms of use and You consent that in case PhonePe suffers losses, not limited to monetary losses, due to Your actions, We can take injunctive relief or any other legal action as deemed necessary within the said circumstances and PhonePe is not liable for any loss to You due to termination.Limitation of LiabilityFinancial and non-financial transactions performed by You on PhonePe Platform is always processed by You or under Your exclusive authorization.In no event will PhonePe be liable for any indirect, consequential, incidental, special or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Services, however caused and whether arising in contract, tort, negligence, warranty or otherwise, exceed the amount paid by You for using the Services giving rise to the cause of action or Rupees One Hundred (Rs. 100) whichever is less.IndemnificationYou shall indemnify and hold harmless PhonePe, PhonePe Entities, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.Force MajeureA Force Majeure Event shall mean any event that is beyond the reasonable control of the PhonePe and shall include but not limited to war, riots, fire, flood, acts of God, explosion, strikes, lockouts, slowdowns, prolonged shortage of energy supplies, Pandemic, computer hacking, unauthorized access to computer data and storage devices, computer crashes ,acts of state, governmental, legal or regulatory actions prohibiting or impeding PhonePe Entities from performing its respective obligations under the contract.Dispute, Governing Law & JurisdictionThis Agreement and the rights and obligations thereunder and the relations of the parties and all matters arising under or in connection with this Terms of Use, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of India. Subject to and without prejudice to the amicable settlement, the courts in Bengaluru, Karnataka shall have exclusive jurisdiction to try and adjudicate all matters arising in connection with your use of the PhonePe Services /PA or other matters covered herein.Disputes or differences or concerns if any should be raised within 30 days of happening or non-happening of an event related to PhonePe Services, except in case of unauthorised transactions on Your PhonePe Wallet/eGV, which shall be reported by You as soon as You identify the issue and investigation for such disputes is subject to terms of use of PhonePe PPI (“PhonePe Wallet”/”eGV”)DisclaimersAs part of this continual innovation and improvement, we sometimes may add or remove features and functionalities, increase, or decrease limits to our PhonePe Services, start offering new services or stop offering old ones on PhonePe Platforms. Such offering can also be due to discontinuation of any service or offering on PhonePe Platform by third party service providers or business partners.We may record or monitor Our conventions with You for records and monitoring quality of our conversations.Any content downloaded or otherwise obtained through the use of our Platform is done at your own discretion and risk, and We cannot confirm that such documents or contents are error or virus free and You understand and acknowledge that you are solely responsible for any damage to your devices, for any loss of data that may result from the download of such contents.PhonePe and third-party partners make no warranty, express or implied regarding the quality of Services including but not limited to:the Services will meet your requirements;the Services will be uninterrupted, timely or error free; orany products, information or material obtained by You in connection with the services will meet Your requirements.Except as expressly provided herein and to the full extent permitted by law, the PhonePe Services are provided "as is", "as available" and "with all faults". All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded. It is Your responsibility to evaluate the accuracy, completeness and usefulness of the PhonePe Services and other information provided by PhonePe or generally available. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement.If you have a dispute with other parties, you release PhonePe (and our affiliates and officers, directors, agents, and employees thereof) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.Terms of Use of PhonePe BHIM UPIThis document is an electronic record in the form of an electronic contract formed under information technology act, 2000 and rules made thereunder and the amended provisions pertaining to electronic documents / records in various statutes as amended by the information technology act, 2000. This document shall be read in conjunction with Phone Pe ToU.IntroductionThe Unified Payments Interface (BHIM UPI) is a payment platform built by NPCI (National Payments Corporation of India) that allows instant online payments between the bank accounts of any two parties’. BHIM UPI offers an architecture and a set of standard API specifications to facilitate these online payments. It aims to simplify and provide a single interface across all NPCI systems besides creating interoperability and superior customer experience.These terms and conditions regulate the payments under the Unified Payment Interface (“BHIM UPI”), a payment service platform (“Platform”) developed by National Payments Corporation of India (“NPCI”), an umbrella organisation incorporated in 2008 and acting as the settlement/clearing house/regulatory agency for BHIM UPI services. The application software (“PhonePe App”) which connects the Platform is being offered by PhonePe Private Limited (“PhonePe”) a company incorporated under the Companies Act, 1956 with its registered office at Unit No.001, Ground Floor, Boston House, Suren Road, Off. Andheri-Kurla Road, Andheri (East) Mumbai – 400 093, India (hereinafter referred to as "PhonePe") through notified Payment Service Provider Banks (“PSP”). The BHIM UPI services (“Services”) are being offered under the brand “PhonePe”.PhonePe Private Limited (“PhonePe”) is a TPAP authorized by NPCI to facilitate payments through sponsor PSP Bank(s) namely Yes Bank Ltd. and ICICI Bank Ltd. PhonePe is a service provider in the UPI payment ecosystem and We participate in UPI through the PSP Banks.Definitions“NPCI” - NPCI is an authorized payment system operator by RBI. NPCI owns and operates the UPI payment system.“BHIM-UPI” - Unified Payment Interface, as defined by NPCI under respective directives and notifications.“PSP Bank” - PSP is the banking company authorized to act as a Payment Service Provider (PSP) under the UPI framework. PSP engages the TPAP to provide UPI services to the end-user customers.“TPAP” - Third Party Application Provider (TPAP) is an entity that provides the UPI compliant app(s) to the end-user customers to facilitate UPI based payment transactions.“Customer’s Bank” - The Bank where the end-user customer maintains his/her account that has been linked for the purpose of debiting/crediting the payment transactions made through UPI.“You”, “Yours”, “Yourself”, “end user customer”, “user” - is the individual who uses UPI payment facility to send and receive payments and avails UPI facility by inking their Bank Account(s).“We”, “Our”, “Ourselves”, “PhonePe” - Refers to PhonePe Private Limited.“PhonePe App” - The mobile application(s), hosted by PhonePe and PhonePe Entities for providing PhonePe services to its users, including merchants and service providers.‘PhonePe Platform” - Refers to any platform owned/subscribed/used by PhonePe Private Limited or any other PhonePe Entities not limited to websites, mobile applications, devices, URLs/links, notifications, chatbot, or any other communication medium used by PhonePe Entities to provide its services to its Users.“PhonePe Services” - shall include all services extended / to be extended by PhonePe and PhonePe entity as a group including but not limited to Pre-Paid Instruments, Gift cards, Payment Gateway, Recharges and Bill Payments, Insurance, Mutual Funds, Gold sale & purchase, switch including others.“Bank Account / Payment Account”- Any bank account or any other payment accounts offered by a regulated entity where money can be held, money can be debited from, and can be credited to.“VPA” - unique Virtual Payment Account, registered with NPCI that can be linked with your Bank account.“UPI PIN”- Personal Identification Number which is used as authorization credentials by the Issuer Bank for debiting a customer's account. It will be 4-6 digits numeric PIN only.RegistrationPhonePe UPI is offered via PhonePe App to its registered users having PhonePe account. UPI is a qualified PhonePe service and you need to have Your own Bank Account linked with Your active mobile number in order to register and access to PhonePe UPI.The registration process is a standard process which is defined and governed by NPCI under UPI guidelines and may change from time to time. PhonePe in the capacity of TPAP is responsible for implementing the process as notified by NPCI from time to time. You understand that the registration process may include access to Your mobile network and sending an unique SMS using your Phone to verify, validate, register and link Your Bank Account on UPI Platform and create an unique Virtual Account Number (“VPA”).PhonePe does not store the Bank Account number linked to Your VPA. Further, VPA can be used to:Pay at merchant locations using QR code through your PhonePe App.Online through certain merchant websites.For making payment for PhonePe Services as permitted by the regulators and BHIM Payment System Providers.The details provided by You as part of the UPI registration process, which includes your Banking Information, shall be shared and maintained at PSP Bank’s and NPCI’s secure library and You consent to share and authorize PSP Bank and NPCI to maintain this data.TransactionsPhonePe BHIM UPI can be used for Person to Person money transfers or to purchase products and services online or offline on any Merchant platform. Your BHIM UPI PIN needs to be entered on Your mobile to authorize every PhonePe BHIM UPI payment. You need to ensure that You are connected to the internet at the time of making any transaction. However, this facility may not be extended by PhonePe or PhonePe Entities for all transactions.While making Payments for PhonePe Services on PhonePe Platform, you may make Payments using BHIM PhonePe UPI in case your balances on other payment instruments, including PhonePe PPI wallet or Gift card is not sufficient to process such transaction.BHIM PhonePe UPI is one of the payment options available to You on various Merchant platforms and We assume no responsibility for the products / services purchased using BHIM PhonePe UPI and any liability thereof is expressly disclaimed.BHIM UPI transactions are subject to minimum and maximum transaction limits that may be set by PhonePe, User, Issuer Bank, the Payment Participants or as may be prescribed under the provisions of Applicable Law. Further, PhonePe, Bank - PSP or other Payment Participants may also reject/suspend Transactions (in whole or in part)based on their respective policies and assessment.Your transaction records can be reviewed within the PhonePe App - “History” section. You are required to review all transactions and in case you identify any error or unauthorised transaction, you are requested to notify this as per the notified Dispute Redressal Mechanism.Charges:PhonePe does not charge its Users any fee for creating an Account, however, We reserve the right to change its fee policy from time to time. We may introduce fees for any new services or amend/introduce fees for existing services, as the case may be. Changes to the fee(s) shall be displayed accordingly to You via website/app and such changes shall automatically become effective immediately after they are posted. Unless otherwise stated, all fees shall be quoted in Indian Rupees.Your bank may charge you a nominal transaction fee for BHIM UPI transfers- please check with your bank for any such charges.Transaction Monitoring:PhonePe may review your activity and transactions on PhonePe and PhonePe entities for identifying high risk transactions. We may also engage Third Party Providers to assist Us in these efforts. In case, transactions processed by you or any other activity that We believe may be suspicious or unusual, we may temporarily or permanently suspend your access to BHIM PhonePe UPI services.Your transaction may be rejected due to reason not limited to risk management, suspicion of fraudulent, illegal Transactions, selling of prohibited items, use of compromised or blacklisted cards or BHIM UPI accounts, chargebacks/complaints or for other reasons as prescribed in the Payment Participant Rules. We may further investigate and may suspend or terminate your PhonePe account, report the transaction and your account details to legal enforcement agencies or other regulatory authorities as applicable or notified by law.User Responsibility & ObligationsWhile your register and transact on using Bhim PhonePe UPI, You are required to ensure the following -You are solely responsible for linking Your correct bank account.Since Your mobile number is treated as the primary identifier, Your mobile number needs to be updated with the bank linked to PhonePe App in case of any changes.If You change the mobile number registered with Your PhonePe Account, You will have to re-register your new mobile number with PhonePe. To re-enable the Service, you need to register your new mobile number with your bank as well.You are solely responsible to keep Your OTP, BHIM UPI PIN and bank account related details confidential. Sharing such information with others may lead to unauthorized usage, for which PhonePe shall not be responsible.You shall take full responsibility of the payment request that you make and authorize on BHIM PhonePe UPI, including addition of beneficiary, typing and reviewing VPAs and validating intended recipients and We do not take correctness of information that you enter during payment processing, including authorization.You agree that if You provide any information that is untrue, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, or not in accordance with the Terms of Use, We shall have the right to indefinitely suspend or terminate or block access to Your Account.We shall ensure that all your confidential data pertaining to your money transactions, bank account details, and all other sensitive personal information are protected and kept confidential by employing best available protection standards, which are more fully set out in our Privacy Policy.You agree that BHIM PhonePe UPI, PSP or any other system participant in BHIM UPI Payment System shall not be liable for any delay in the completion of the funds transfer or any loss on account of error in the execution of the funds transfer by you.You are required to ensure availability of sufficient funds in BHIM PhonePe UPI linked Bank Account(s) in order to avoid transaction declines and charges if any accessed by your issuer Bank.UPI Participant’s Roles and ResponsibilitiesNPCI:NPCI owns and operates the Unified Payments Interface (UPI) platformNPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI.NPCI provides a safe, secure and efficient UPI system and network.NPCI provides online transaction routing, processing and settlement services to members participating in UPI.NPCI can, either directly or through a third party, conduct an audit on UPI participants and call for data, information and records, in relation to their participation in UPI.NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.PSP BankPSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments.PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app.PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers.PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform.PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security.PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer.PhonePe (TPAP):PhonePe is a service provider and participates in UPI through PSP Bank.PhonePe is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.PhonePe is responsible to ensure that its systems are adequately secure to function on the UPI platform.PhonePe is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and PhonePe’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard.PhonePe has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India.PhonePe is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of PhonePe related to UPI and carry out audits of PhonePe, as and when required by RBI and NPCI.PhonePe shall facilitate the end-user customer with an option to raise grievance through the PhonePe’s grievance redressal facility made available through PhonePe UPI app or website and such other channels as may be deemed appropriate by the PhonePe like email, messaging platform, IVR etc.Dispute & GrievancePhonePe has tripartite contractual agreements with sponsor PSP Banks and NPCI and we are obligated to facilitate grievances / complaints resolution of the customers onboarded on our UPI application.We shall be the first point of contact for all UPI related grievances/complaints for customers on- boarded by us. In case the complaint/grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where you maintain the account) and NPCI in the same order. After exercising these options, you can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.Dispute Redressal MechanismYou can raise a complaint with respect to a UPI transaction, on the PhonePe app.You can select the relevant UPI transaction and raise a complaint in relation thereto.You can raise a complaint with PhonePe with respect to all UPI related grievances / complaints if the UPI transaction is made through PhonePe app. In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where you maintain your account) and NPCI, in the same order. After exercising these options, you can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions.You shall be kept communicated by PhonePe by means of updating the status of your complaint on PhonePe App or any other means such as Email, TelephoneUse of Group CompaniesYou understand and agree that PhonePe and PhonePe Entities reserve the right to use the services of themselves to provide any of the mentioned PhonePe services to you within PhonePe Platforms.Indemnity & LiabilityIn no event will PhonePe be liable for any indirect, consequential, incidental, special or punitive damages liabilities (including statutory), including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the BHIM PhonePe UPI Facility.You shall indemnify and hold harmless PhonePe, PhonePe Entities, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.TerminationYou agree that PhonePe at its sole discretion may terminate Your contract without prior notice and restrict your access to PhonePe application if We determine that your have violated the terms of use and You consent that in case PhonePe suffers losses, not limited to monetary losses, due to Your actions, We can take injunctive relief as deems necessary within the said circumstances. We may also suspend services or terminate Your contract in case of violation of User conduct of PhonePe Platforms as defined by PhonePe and PhonePe entities.You may note that PhonePe shall retain your registration information, VPAs, transactional information or any other information that We are permitted to store as permitted under the BHIM UPI Payment System for the duration as specified in regulations or notified by NPCI from time to time even after termination of contract.Governing LawThis agreement and the rights and obligations thereunder and the relations of the parties and all matters arising under or in connection with this Terms of Use, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of India. The courts in Bengaluru, Karnataka shall have exclusive jurisdiction over all matters connected with the Services.DisclaimersYou understand that the terms of availing of UPI facility using NPCI Platform, PSP and PhonePe shall not create any contractual obligation against any NCPI system participants and downloading or using the PhonePe App does not automatically entitle You for Bhim PhonePe UPI facility.We do not make any warranties and make no representation about the quality and availability of BHIP UPI facility.We endeavor to execute and process transactions as per the defined process, however, We shall not be held responsible for any non-responsiveness, delay, failure of systems or any other circumstances that might not be in our control.Your transaction records and other logs maintained with Us shall be final and binding as a proof of this facility and transactions.PhonePe Prepaid Payment Instrument (“PPI”) Terms of UseThis document is an electronic record in terms of Information Technology Act, 2000, amendments thereof from time to time and the rules thereunder as applicable and the amended provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.Please read the terms and conditions carefully before registering, accessing, or using the PhonePe Pre-Paid Payment Instrument, herein referred as “PhonePe Wallet”. These terms and conditions, (herein referred as “Wallet T&Cs”) are a legal contract ("Agreement") between You and PhonePe Private Limited ( “PhonePe”) having its registered office at Unit No.001, Ground Floor, Boston House, Suren Road, Off. Andheri-Kurla Road, Andheri (East) Mumbai – 400 093, India. You agree and acknowledge that you have read the terms and conditions set forth below. If you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may not use the Services and/or immediately terminate the Services.We may amend the terms and conditions at any time by posting an updated version at PhonePe website(s) and PhonePe App(s). The updated version of the Terms of Service shall take effect immediately upon posting. It is Your responsibility to review these Terms of Use periodically for updates / changes or while using PhonePe Wallet. Your continued use of PhonePe Wallet following the posting of changes will mean that You accept and agree to the revisions including additional Terms or removal of portions of these Terms, modifications etc. As long as You comply with these Terms of Use, We grant You a personal, non-exclusive, non-transferable, limited privilege to enter and avail the Services.IntroductionThese terms and conditions regulate the use of Semi Closed Prepaid Payment Instrument or such other services which may be added from time to time under the brand name “PhonePe Wallet” offered by PhonePe. PhonePe has been authorised in this regard by the Reserve Bank of India (RBI) in accordance with the provisions of the Payment and Settlements Act, 2007 and the regulations and directions issued by RBI from time to time.By proceeding to use the PhonePe Wallet, you (“User”/ “you”/ “your”) signify your consent to be bound by these “Wallet T&Cs” in addition to agreeing to the General PhonePe Terms and Conditions (“General ToU”) and PhonePe “Privacy Policy”. By use of PhonePe Wallet, you shall be contracting with PhonePe and these Wallet T&Cs referenced herein will constitute Your binding obligations with PhonePe.EligibilityBy registering for PhonePe Wallet, You represent that you are -An Indian Resident having a valid PhonePe account.A natural or legal person above 18 years of age or older within the meaning of Indian Contract Act 1872.You can enter into a legally binding agreement.You have the right, authority, and capability to enter into this agreement abiding by all the provisions of the PhonePe “General ToU” and “Privacy Policy”.You are not barred or otherwise legally prohibited from accessing or using services of PhonePe or PhonePe Entities under the laws of India.You represent that you are currently not a Politically Exposed Person (“PEP”) as defined by RBI.You shall not impersonate any person or entity, or falsely state your age or affiliation with any person or entity. PhonePe shall reserve the right to terminate your contract to use PhonePe Wallet in case of any incorrect representation of the conditions mentioned herein.You agree and undertake to immediately notify PhonePe in circumstances where your PEP status changes, or you become related to a PEP. You should promptly notify PhonePe in writing to ensure that appropriate steps are taken in accordance with applicable laws and PhonePe’s policy . You further understand that as a PEP you will be subject to additional customer due diligence requirements as determined by the regulators. As a PEP you hereby agree to fully comply with all the aforesaid additional customer due diligence requirements as well as cooperate with PhonePe to complete all continuing compliance requirements applicable to a PEP as will be notified to you by PhonePe to ensure uninterrupted use of your PhonePe Wallet.Issuance of PhonePe Wallet might be subject to additional due diligence, which may include but not limited to reviewing and validating the credential provided by You as part of the PhonePe Wallet application, internally or using other Business Partners / Service Providers, Sanctions Check as notified by regulators, Our risk management process and PhonePe shall have discretion and sole right to issue PhonePe Wallet to You. Hence, by merely sharing the required data may not entitle creation of Your PhonePe Wallet.Definitions“PhonePe Wallet”; A semi-closed prepaid instrument issued by PhonePe as per the rules and procedures defined by Reserve Bank of India (“RBI”) and shall refer to Minimum details Prepaid Instrument and KYC Compliance Prepaid Instrument, unless specified.“PhonePe”; PhonePe Private Limited is a Regulated Entity, authorized by RBI to issue semi-closed prepaid instruments under PSS Act 2007.“RBI” means Reserve Bank of India“Politically Exposed Persons” (PEPs); are individuals who are or have been entrusted with prominent public functions in a foreign country, e.g., Heads of States/Governments, senior politicians, senior government/judicial/military officers, senior executives of state-owned corporations, important political party officials, etc."Merchant" shall mean any establishment and/or entity who accepts the PhonePe wallet as a payment method for online or offline purchase of goods and/or services. Similarly, the term "Buyer" shall refer to the person who purchases any of the goods or services provided online or offline by the Merchants and pays for such goods/ services through the PhonePe Wallet.“PhonePe - Single Sign On (P-SSO)”; Is the login service of PhonePe provided to You, which is used to access all services provided in PhonePe application and participating platforms using your secure and unique credentials.“terms of use or terms and conditions” are interchangeably used in this document and shall have the same meaning.Application and Issuance of PhonePe WalletWe may collect documents and information pertaining to You as part of Your application to avail PhonePe Wallet as a service as part of PhonePe offering shall be subject to PhonePe’s Privacy Policy. Such information collected might also be subject to PhonePe’s internal policies, regulatory directives and notifications, including but not limited to procedures defined by such organisations.As part of application, onboarding, or update of Your PhonePe Wallet, you might also be required to agree to the terms and conditions of third party, whose services are used as part of your application, for example, You might be required to accept UIDAI’s terms and conditions or terms and conditions of DigiLocker operated by Ministry if Electronics and IT or any other authority whom You authorise to share your data/information with Us.You shall be responsible for the documents/information and declarations provided to PhonePe about Yourself, Your residency and tax status, information about PEP and other material information including but not limited to Your KYC documents. PhonePe shall not be liable for incorrect documents/information and declarations and retains the right to refuse activation and right to deactivate of Your PhonePe Wallet and report such incident to Legal Enforcement Agencies (LEAs) and the regulator(s) as per extant directives.We may review the data/information provided by you and undertake appropriate due-diligence, including risk management before issuing PhonePe Wallet as per the extant regulatory directives issued by RBI or any other regulator, such as RBI’s Know Your Customer (“KYC”), Prevention of Money Laundering Act (“PMLA”), RBI’s directives on PPI issuance and operation and other directives that are notified by the regulator from time to time and applicable to PhonePe Wallet. We may also fetch data from other sources available in public or through our business partners or service providers which may pertain to You as part of due diligence and risk management.We may appoint associates or agents to collect Your KYC information/data as part of PhonePe Wallet application, upgrade or risk assessment.PhonePe WalletsPhonePe issues semi-closed PPI wallets and Gift Instruments to PhonePe account holders. This section refers to the different categories of Semi-Closed Wallets issued by Us, is according to the regulatory directives issued by RBI Master Direction on Issuance and Operation of Prepaid Payment Instruments, dated October 11, 2017 (“PPI-MD”), and subsequent updates.Reloadable PPIMinimum Details Prepaid InstrumentPhonePe Wallets issued under this category are governed by Section 9.1(iii) of PPI-MD with the features and limitations mentioned herein.In order to avail this PhonePe Wallet, You shall have an active mobile number issued by Indian telecom service providers, Your shall provide a self-declaration of your Name and unique identity/identification number of any ‘mandatory document’ or ‘Officially Valid Document’ (“OVD”) listed in the Master Direction of KYC. PhonePe shall provide You list of acceptable documents as part of your application process.Your PhonePe Wallet is reloadable and issued in electronic form. Loading is permissible using Your Bank account and / or Credit Card permitted by the regulator from time to time and as per PhonePe’s internal policies.Loading limits shall apply to Your PhonePe Wallet, with a Monthly limit of Rs, 10,000/- and an annual limit (Financial Year) of Rs. 1,20,000/-. Further, Your PhonePe Wallet balance shall be limited to Rs. 10,000/- at any point in time and You may not be allowed to add funds in case Your PhonePe limits are triggered except in case of refunds on cancelled transactions, wherein the balance may be higher than the limit of Rs. 10,000/-.While You can use Your PhonePe Wallet for purchase of goods and services on merchants that accept PhonePe Wallet with a debit limit of Rs. 10,000/- per month, You cannot transfer Your PhonePe Wallet balance to any other PhonePe Wallet user not can withdraw the funds to a bank account or a credit card, except for any specific conditions specified by the regulator.PhonePe wallet is one of the payment options available to You while making payment to a Merchant / Merchant platform and We take no responsibility for the products purchased or services availed using the PhonePe wallet and any liability thereof is expressly disclaimed. User can pay directly from his/her PhonePe account linked bank account, if:The order value exceeds the available amount in the PhonePe Wallet; orThe User has exceeded his/her limit for Purchases using the PhonePe Wallet.PhonePe shall communicate the features of PhonePe Wallet at the time of wallet issuance by SMS/e-mail/link to terms and conditions or any other means.You shall use your P-SSO to login and access Your PhonePe Wallet. We may ask/provide you additional security measures in order to access Your PhonePe Account.PhonePe also allows you an option to fix a cap on transactions that You want to perform on PhonePe Wallet, and You can change it with an additional factor or authorization at any point in time.The features and limits mentioned herein are subject to PhonePe’s internal risk assessment and We may reduce load and spend limits, apply cooling period on Your PhonePe Wallet after fresh loading of funds and restrict spending on certain merchants, restrict You to access Your PhonePe Wallet or report Your account to Legal Enforcement Agencies (“LEA”) or other regulators. You understand that We may or may not communicate the above action to you. This is part of our transactional risk management practice to keep Your PhonePe Wallets and ecosystem secure for our users and merchants.In case You had PhonePe Wallet prior to December 24, 2019, You consent you’re your PhonePe Wallets shall be migrated to this category as per the extant guidelines and You shall continue to use Your PhonePe Wallet with the above defined feature and limits. However, You may choose to opt-out of this category of PhonePe Wallet within 5 days from the migration notification from PhonePe. You may opt out via the PhonePe app by clicking on “Closing PhonePe Wallet'' within the help section on the PhonePe Wallet screen and following the next steps.In case You have an existing PhonePe Wallet in “Inactive” state, Your PhonePe Wallet will get migrated to this category of PhonePe Wallet upon activation of Your wallet account initiated by You and features and limits provided herein shall apply. This migration is expected to happen immediately at the time of activationIn case You opt to close Your PhonePe Wallet and Your PhonePe Wallet has a stored value, We shall return the funds back to the source account from where the funds were loaded as part of Your PhonePe Wallet closure process.KYC Compliant Prepaid InstrumentPhonePe Wallets issued under this category are governed by Section 9.1(ii) of PPI-MD with the features and limitations mentioned herein. As permitted by PhonePe, You may also upgrade Your Minimum Details PhonePe Wallet into KYC Compliant PhonePe Wallet (“PhonePe KYC Wallet”) by providing requisite documentation as per the process defined by PhonePe.In order to avail this PhonePe Wallet, You shall have an active mobile number issued by Indian telecom service providers, and shall undergo KYC process as per the ‘Know Your Customer (KYC) / Anti-Money Laundering (AML) / Combating Financing of Terrorism (CFT) guidelines issued by the Department of Banking Regulation (DBR), RBI, in their “Master Direction – Know Your Customer (KYC) Directions” updated from time to time and process defined by PhonePe based on the regulatory directions.The KYC requirements are defined by the regulator(s) and are updated from time to time and may involve fetching Your KYC data from various sources permitted by the regulator. In such a case, You shall authorize PhonePe to fetch that data and agree to the terms and conditions of Your KYC service provider and it’s data sharing terms. For example, We may enable You to share Your KYC documents via the e-KYC process or Offline Aadhaar verification process of the UIDAI or You may share Your KYC data stored in Your DigiLocker, maintained by MeiTY with Us as part of the KYC process, and any other evolving and permissible source, subject to We enabling such provisions for KYC.By Providing Your KYC documents and information required as part of the KYC process, may not entitle You to avail a PhonePe KYC Wallet, since the data provided by You shall be validated and reviewed as per the extant regulations and directives mentioned in point “a.” above before issuing PhonePe KYC Wallet. PhonePe Wallet under this category shall be issued only after completing the KYC process as mentioned above.Your PhonePe KYC Wallet is reloadable and issued in electronic form. Loading is permissible using Your Bank account and / or Credit Card permitted by the regulator from time to time and as per PhonePe’s internal policies.You will be able to load money in PhonePe KYC Wallet within the regulatory permissible limits or any limits applied on the basis our internal risk policies. The available balance in Your PhonePe KYC Wallet shall however not exceed INR 100,000/- (Rupees One Lakh) at any given point of time. Money can be topped-up through BHIM UPI, or a debit/credit card, or from refunds that might arise due to cancellations and returns of your transactions on PhonePe application or on Merchant Platforms.You can transfer funds from Your PhonePe KYC Wallet to any Bank account of a pre-registered beneficiary. In case of such pre-registered beneficiaries, the funds transfer limit shall not exceed Rs.1,00,000/- per month per beneficiary.PhonePe KYC Wallet can be used to purchase products and services online or offline on any Merchant platform. PhonePe KYC wallet can be used by selecting it as the payment mode at the time of payment. PhonePe currently does not permit money transfer between PhonePe KYC Wallets.PhonePe KYC wallet is one of the payment options available to You while making payment to a Merchant / Merchant platform and We take no responsibility for the products purchased using the PhonePe KYC wallet and any liability thereof is expressly disclaimed. User can pay directly from his/her PhonePe account linked bank, if:The order value exceeds the available amount in the PhonePe KYC Wallet; orThe User has exceeded his/her limit for Purchases using the PhonePe KYC Wallet.PhonePe shall communicate the features of PhonePe KYC Wallet at the time of wallet issuance by SMS/e-mail/link to terms and conditions or any other means.You shall use your P-SSO to login and access Your PhonePe KYC Wallet. We may ask/provide you additional security measures in order to access Your PhonePe Account.PhonePe also allows you an option to fix a cap on transactions that You want to perform on PhonePe KYC Wallet and You can change it with an additional factor or authorization at any point in time. A default purchase limit is applied as follows –Per transaction / Per day / Per month – Rs. 1,00,000/-Per financial Year – Rs. 2,00,000/-You are permitted to withdraw the PhonePe KYC Wallet balance to Your bank account anytime. However, In all cases, the top-up amount shall be reversed only to the bank account linked to the PhonePe App and withdrawing funds in form of cash is not permitted on PhonePe KYC Wallet. The limits of fund transfer to Your own bank account authorized by Yourself is as below –Per transaction – Rs. 5,000/-Per Day / Per Month – Rs. 25,000/-Per Financial Year – Rs. 3,00,000/-You shall be careful while updating your bank accounts and adding beneficiaries as PhonePe shall not be liable for any incorrect details submitted by You on PhonePe Account / PhonePe KYC Wallet. You may also note that although you are permitted to add beneficiaries We have restricted the number of beneficiaries which can be added in the App as per our internal risk management program and You will receive an alert via SMS to Your registered mobile number when a new beneficiary is added.The features and limits mentioned herein are subject to PhonePe’s internal risk assessment and We may reduce load and spend limits, apply cooling period on Your PhonePe KYC Wallet after fresh loading of funds and restrict spending on certain merchants, restrict You to access Your PhonePe KYC Wallet or report Your account to LEAs or other regulators. You understand that We may or may not communicate the above action to you. This is part of our transactional risk management practice to keep Your PhonePe KYC Wallet and ecosystem secure for our users and merchants.You can close Your PhonePe KYC Wallet at any time by placing a request provided within Your PhonePe App or as per any other process specified by PhonePe. The outstanding balance at the time of closure shall be transferred to the Your bank account provided by You and/or to ‘back to source’ (payment source from where the PhonePe KYC Wallet was loaded). You hereby agree and understand that PhonePe shall be entitled to call for the relevant information/documents pertaining to Your bank account and/or ‘back to payment source’ instrument to which funds have to be transferred post closure of the PhonePe KYC Wallet.Non-ReloadableGift Instrument (“eGV”)eGV’s issued by PhonePe under this category are governed by Section 10.1 of PPI-MD with the features and limitations mentioned herein. As a PhonePe user, You may purchase/gift eGVs using your PhonePe Account. Alternatively, We may also gift You eGVs subject to Our Sole discretion.Purchase: eGVs can only be purchased in denominations upto Rs. 10,000/-. PhonePe may cap the maximum amount of eGV based on Our internal risk management program. You may purchase eGV using, Debit Card, Credit Card or any other instrument permitted by RBI and provided by PhonePe. eGVs cannot be purchased using PhonePe Wallet (including PhonePe KYC Wallet) or another eGV balance. Usually Gift Cards are delivered instantly. But sometimes due to system issues, the delivery can be delayed by up-to 24 hours. In case the eGV is not delivered within this timeframe, You are requested to report the issue with us immediately for us to resolve the issue. eGVs might be offered with a purchase limit or a minimum purchase value depending on Our internal policies.Limitation: eGVs, including any unused eGV balances, expire one year from the date of issuance. eGVs cannot be reloaded, resold, transferred for value or redeemed for cash. Unused eGV balances on Your PhonePe Account may not be transferred to another PhonePe account, but eGVs purchased by You but unclaimed by You or to whom You have gifted the eGV, can be claimed by another PhonePe account. No interest will be payable by PhonePe on any eGV or eGV balance.Redemption: eGV may only be redeemed toward transactions on eligible merchants on PhonePe platform. Purchase amount is deducted from the user's eGV balance. Any unused eGV balance will remain associated with the user's PhonePe Account and applied to purchases in order of earliest expiration date. If a purchase exceeds the user's eGV balance, the remaining amount must be paid with any of the other available instruments. No user fees or charges shall apply to redemption of eGV.You agree and understand that eGVs are a Pre-Paid Payment Instrument subjected to regulations by RBI and PhonePe might be required to share KYC details of the purchaser/ redeemer of the eGV and/or any other information with relation to the purchase of the eGV and/or transaction or associated transactions on PhonePe account undertaken using the eGV with RBI or such statutory authorities. We may also contact the purchaser/redeemer of the eGV including You for any such information.eGV are issued to You and the eGV is shared at Your discretion for redemption at PhonePe. PhonePe is not responsible if eGV is lost, stolen, destroyed or used without permission. PhonePe will have the right to close customer accounts and take payment from alternative forms of payment if a fraudulently obtained eGV is redeemed and/or used to make purchases on PhonePe platform. PhonePe risk management program shall cover both the purchases of eGVs and redemption on PhonePe platform. Transactions that are deemed suspicious by our risk management program (including anti-fraud rules/policies) may be disallowed by PhonePe. PhonePe reserves the right to cancel fraudulently obtained / purchased eGVs and put restrictions on suspicious accounts as deemed appropriate by our risk management programs.eGVs might also be issued to You as an incentive or reward as part of PhonePe Rewards Program and We reserve the sole right and discretion to award such rewards to You in form of cashbacks.1. Rewards ProgramPhonePe reserves the right to provide rewards to its users as per internal policies as decided by PhonePe from time to time.For cashback rewards, PhonePe terms and conditions applicable to PhonePe Account and usage will continue to apply.PhonePe reserves the right to pull back rewards from a user's account (pre or post redemption) in case of suspicious or fraudulent activities as detected by PhonePe from time to time without any notice/intimation.Scratch cards standing unclaimed will be forfeited post 1 year of granting of the scratch card to the user or by any other period specified by PhonePe at the time of issuance.The reward is not guaranteed in any manner whatsoever.If You are rewarded, the reward amount shall be credited to your PhonePe Wallet or may be provided to You as per the specific terms of such offer.This offer is not available in the state of Tamil Nadu (owing to the Tamil Nadu Prize Scheme (Prohibition) Act 1979) and other states wherever prohibited by law.Your participation in any offer constitutes Your understanding and agreement to the complete terms and conditions associated with each offer.2. Limit and limitationsThe eGVs shall be valid for 1 year and is subject to a maximum limit of Rs.10,000 per gift voucher. PhonePe reserves the right to extend the validity period of your vouchers at its discretion.PhonePe reserves the right to impose additional amount limits within the overall applicable limit.PhonePe reserves the right to award offers and related benefits as per internal policy decided by PhonePe from time to time.In case of any cancellations, the cashback given on the transaction will continue to remain as eGV and non-withdrawable to your bank account. This can continue to be used on PhonePe platforms.Refunded amount less of cashback will be credited back to the source of funds used while making payment.Cashback eGVs can be used for permitted transactions on PhonePe App and for making payments on PhonePe partner platforms/stores.Cashback eGV cannot be withdrawn to any linked bank account or transferred to other customers.You can earn up to maximum INR 9,999 per financial year (i.e. 1 April to 31 March) across all offers disbursed on PhonePe.General Terms and ConditionsYour login credentials are personal to you and You should ensure keeping Your login credentials are safe and secure. You are responsible for security of your PhonePe Wallet and PhonePe eGV and shall take all steps to keep the details secure including the devices that You may use to access Your PhonePe Account. Further, You shall not disclose Your account access credential to anyone in any form whether verbally, writing or record it in any other form. In case You divulge such details in error or due to negligence, You shall immediately report the activity to PhonePe. However, PhonePe shall not be liable for any unauthorized transaction performed by any third party with Your secure account access credentials.We may monitor Your transaction(s) for probable high-risk/fraud transactions. Basis our continuous transaction monitoring, We may place a hold on the Transaction, block or reject transaction and may also temporarily block you PhonePe Wallet or eGV or Account and ask You for more information on You and Your funding source before releasing / reinstating Your account/transaction. You shall also note that, Your account could also be temporarily or permanently blocked basis abuse against any employee, company, or incorrect declaration by any customer or merchant and We shall not be liable for any loss caused to You due to this while we investigate Your account.You agree and understand that the PhonePe, based on its internal policies, regulatory and statutory guidelines may report transactions to appropriate authorities in case such transaction is classified as suspicious or fraudulent and We shall not be made liable for any loss caused to You for such obligatory reporting by Us, even if any such transaction is found to be regular and lawful at a later stage.While executing any transaction, You must ensure the availability of sufficient funds On Your PhonePe Wallet / eGV or other sources of funds that You use to execute any transaction.You understand that the services offered by PhonePe on PhonePe application use internet connection, service providers apart from PhonePe application to successfully execute Your transactions and We shall not be take any responsible on any liability arising from including but not limited to any loss or interruption of the Services or the unavailability of Services due to a mobile or internet not supporting, non-responsiveness Merchant websites or applications.You understand that the information that You share for availing services might be shared with third parties inter alia, to facilitate the provision of the Services and in such case, data policies of service providers shall also apply to such transactions and You are required to update Yourself of their policies and You acknowledge that You understand that PhonePe would not have any control on data sharing and use in such case.You further agree and acknowledge that Your bank/financial institution may access fee(s) or charge(s) against such transactions and PhonePe shall not be liable to acknowledge or refund such fee(s) charges and shall be borne You in all circumstances.Funds loaded into Your PhonePe Wallet or eGV and spent on PhonePe application or partner merchants for services offered by them are conducted over the internet and involve multiple stakeholders not limited to You Bank, Service Providers, Internet services, telecom operator etc. You understand that transaction confirmations and acknowledgements may not always reflect service delivery due to the possibility of failures at multiple points. In such cases, PhonePe is not liable for any loss caused due to inefficiencies / process failures at other such stakeholders and PhonePe shall credit the funds or recover the funds from You in such cases and shall apply appropriate limits/orders on Your PhonePe Wallet / eGV or Account accordingly at its own discretion and can take appropriate legal actions to collect the amount due, to the extent allowed by Applicable Law.You can view Your PhonePe Wallet and eGV transaction in Your PhonePe app and can also review transactions for at least 6 (six) months.All categories of PhonePe Wallets and eGVs are non-transferable in nature, except the ones that are unclaimed and No interest is payable on the outstanding Wallet balances.Your account is secured and any transaction that is processed on Your PhonePe Wallet / eGV shall be authorized by You explicitly or processed via RBI notified debit mandates authorised by You on Your PhonePe Wallet and permitted by PhonePe.While You can purchase multiple eGVs as permitted by PhonePe from time to time. Any suspected violation of this condition shall constitute grounds for suspension of Your access to Your PhonePe Wallet / eGVs or PhonePe account.While, the continued availability of the PhonePe Wallet shall be subject to the requirements under law, regulations or directions connected to Semi-closed prepaid payment instruments, PhonePe reserves the right to suspend/discontinue the Wallet at any time, for any cause, including, but not limited, to the following-For any suspected violation of the rules, regulations, orders, directions, notifications issued by RBI from time to time or for any violation of any PhonePe Terms;any suspected discrepancy in Your particular(s), KYC documentation or information provided by the You; orto combat potential fraud, sabotage, willful destruction, threat to national security or for any other force majeure event; orPhonePe in its sole opinion and discretion believes that cessation/ suspension of Your PhonePe Wallet is necessary for any other legitimate purpose.You agree that, upon any closure or winding up of the Prepaid Payment Instrument as notified by the regulator or due to any other circumstances provided under law, You may redeem the outstanding balance in Your PhonePe Wallet/eGV or transfer the same to any prepaid payment instrument or bank account held/maintained by you with any third party with in such time as may be determined by PhonePe, failing which, PhonePe may transfer the balance in Your Prepaid Payment Account to Your another prepaid payment instrument issued by such entity having authorisation from RBI and with which PhonePe has made appropriate arrangements.Refund and cancellationAll payments made through PhonePe Wallet/eGV for mobile/ DTH recharge, bill pay, P2P transfers or any other payment processed by You on PhonePe Platform or Merchant partners accepting PhonePe Wallet (including eGVs) as a payment option shall be final and PhonePe shall not be responsible for any error and omission by You or Merchant partners. Such transactions cannot be refunded, returned or cancelled once initiated.If you erroneously processed a payment to the unintended merchant or processed a payment for the wrong amount (for instance a typographical error at your end) Your only recourse will be to contact the merchant directly to whom you have made the payment and ask them to refund the amount. PhonePe shall not be able to handle such disputes, not can We reimburse you or reverse a payment that you have erroneously made.In case We receive a refund for a transaction which You have processed earlier, we would refund the funds back to the source, including PhonePe Wallet/eGV unless specified or directed by your otherwise.In case of any cancellations, the cashback (in form of eGV) given on the transaction will continue to remain as eGV and is non-withdrawable to your bank account. This can continue to be used on PhonePe Platforms for eligible transactions.Further, in case of cancellation of a transaction, refunded amount less of cashback (credited in form of eGV) will be credited back to the source of funds used while making payment.Fees and ChargesPhonePe Wallet (including PhonePe KYC Wallet) or eGVs issued by PhonePe to PhonePe Account users is not subject to any membership fee. PhonePe does not charge You any fee for creating an Account or use of Services unless specified explicitly.PhonePe reserves the right to change its fee(s) policy from time to time. We may at its sole discretion introduce new services and modify some or all the existing services offered and may introduce fees for the new/existing services offered or amend/introduce fees for existing services. Changes to the fee(s) policy shall automatically become effective immediately and would be notified via changes to these terms and conditions.Operational Validity & ForfeitureYour PhonePe Wallet shall be valid as per the regulatory directives issued by RBI from time to time and permitted by PhonePe. Currently Your PhonePe Wallet is valid unless surrendered or cancelled or forfeited. However, eGVs (including unused eGV balances) issued shall have a minimum validity period of 12 (twelve) months from the date of last loading/reloading of the Wallet and PhonePe may extend the validity period for such tenures as PhonePe may in its discretion determine. PhonePe may also terminate the Wallet at its discretion or on account of Your breach of these Terms or on account of a directive received from the RB or from any other legal enforcement agencies.You may also note that PhonePe reserves the right to terminate Your PhonePe Wallet Account in case of violation of any policy or Terms of Use or any rule/policy issued by the RBI or Government of India or any other concerned body and in such event, any balance in your PhonePe wallet Account shall be credited back to your bank account linked to the PhonePe Application. In such an event, PhonePe might report the Your account and transaction details to the concerned enforcement authority or any other agency notified by regulators or law and may freeze your PhonePe wallet until given a clearance by the concerned body.In the event that Your PhonePe Wallet / eGV is due for expiry on the grounds as set out herein, PhonePe shall caution You of such impending expiry at least 45 (forty-five) days prior to the date of expiry by sending a communication in this regard via e-mail/Phone/notification or any other method of communication which is permissible. In the event that there is an outstanding balance in Your PhonePe Wallet subsequent to the expiry, you may at any time subsequent to the expiry of the Wallet make a request to PhonePe to initiate a refund of the outstanding Wallet Account balance and the aforesaid balance will be transferred to a bank account that you had either linked to Your PhonePe Wallet Account previously or the bank account details you have provided to PhonePe at the time of raising the request for refund. However, eGVs cannot be refunded to bank account and shall be reinstated for further use at the sole discretion of PhonePe. PhonePe further reserves the right to move your PhonePe Wallet to Debit Only Mode if You are involved in any suspicious transaction and/or any transaction in gross violation of the rules and regulations issued by the Reserve Bank of India (“RBI”), governing the use of Pre Paid Payment Instruments including but not limited to rules and regulations under Prevention of Money Laundering Act, 2002 and any amendments thereto. In such an event, PhonePe may report the matter to RBI and may also freeze your PhonePe Wallet until the receipt of findings, and clear report from RBI in this regard.In case Your PhonePe Wallet or has no transaction within the last 12 months, Your PhonePe Wallet shall be flagged as inactive wallet and You can operate Your wallet only after completing appropriate due-diligence process defined by PhonePe from time to time. Your PhonePe Wallet balance shall be maintained securely with us and any pending refunds will still be credited to Your PhonePe Wallet and shall continue to receive all communications from us, including promotional communications. However, You would not be able to use Your wallet for any transactions including loading of Your PhonePe Wallet without undergoing such due-diligence.Suspension/Discontinuation of servicesIn case You want to close Your PhonePe Wallet, as a one time option, Your funds would be allowed to be refunded back to the PhonePe Wallet load source for minimum details PhonePe Wallet. However, for PhonePe KYC Wallet, You can transfer the funds back to Your Pre-designated own bank account.You agree and acknowledge that there can be certain risk-based scenarios when Your PhonePe Wallet may not be immediately closed but suspended and then eventually closed.You further understand that once Your PhonePe Wallet is closed, We would not be able to reinstate Your PhonePe Wallet and may sometimes not allow You to create a new wallet as per regulatory directives or based on our internal policies.You also understand that we are also obligated to retain Your data and information even after discontinuation of Your PhonePe Wallet for record retention.Unauthorized transactions and Grievance RedressalPhonePe shares transaction alerts in the form of SMS or email against debit to Your PhonePe Wallet/eGV. In case You observe any transaction on Your account which is not processed with Your consent/ authorization, You should immediately report such transaction to Us via the emergency 24x7 contact number/email/ forms as made available to You by PhonePe.Once You report a transaction as unauthorized, We may also temporarily suspend Your PhonePe Wallet/eGV while we review Your claim. As We investigate the claim, we shall keep funds claimed under dispute and shall credit the same to Your PhonePe Wallet/eGV in case the investigation outcome is in Your favor.In case the unauthorized transaction is processed due to any contributory fraud / negligence / deficiency on the part of PhonePe, We would refund the funds to Your PhonePe Wallet / eGV.In cases where the loss is due to Your negligence, such as where You might have shared the payment credentials, You shall bear the entire loss until You report such unauthorised transaction US. You shall not be made liable for any further loss on Your PhonePe Wallet / eGV after You have reported the unauthorised transaction to Us.You shall note that in case of any third party breach which is not caused due to the deficiency at Your end, neither at Our end, buy a third party, You shall report such unauthorized transaction within 3 (three) days, failing which Your liability on such transaction would be (a) Transaction value or ₹ 10,000/- per transaction, whichever is lower, in case You report such transaction within four to seven days or (b) liability as defined by our Board approved policy.In case We are not able to complete our investigation within 90 (ninety) days, We shall refund the funds to Your PhonePe Wallet or eGV as per the RBI directives and Our policies.PhonePe communicates all terms and conditions governing Your PhonePe Wallet / eGVs through SMS/links/notification/any other mode of communication, details of charges and fees, expiry period of Your PhonePe Wallet/PPI, and nodal officer retails at the time of issuing Your PhonePe Wallet/eGV and is available for Your review at all times on Our website and mobile application.In case Your report any complaint / grievance, We would review Your concern and will try to resolve Your complaint / grievance within 48 (forty eight) hours, but not later than 30 (thirty) days from the date of receipt of Your complaint / grievance. You may refer to our Grievance Policy for further details.Transaction MonitoringYou are allowed to use Your PhonePe Wallet / eGV for permitted merchant partners and permitted purposes within the overall transactional limit(s) applicable to Your PhonePe Wallet / eGV . However, in order to secure Your account and safeguard Your transactions, we may monitor Your transaction and account activity for identify risks and We may decide to put in place limits/restrictions/suspension on Your PhonePe Wallet/eGV taking into account the risk perception that we may generate basis our monitoring and risk management practices.In order to review Your account, You understand and authorize Us to review Your PhonePe Account, including but not limited to services offered on Your PhonePe mobile application.You also acknowledge that We would need to block/suspend/limit/restrict usage of Your PhonePe Account for any anomalies that we may observe in Your PhonePe Account for any of the services provided in PhonePe Application.Prohibited use of PPI, user conduct and responsibilitiesYou shall not impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another person’s digital signatures or perform any other fraudulent activity.You shall not use the Wallet to defraud PhonePe, our affiliates or other members or users, or engage in other unlawful activities (including without limitation dealing in products or services prohibited by law).You shall not purchase anything (products or services) using fraudulent funds and shall not use the Wallet for money laundering, tax evasion or any other illegal activities.You shall not use the PhonePe Wallet/eGV balances in a manner that may result in complaints, disputes, imposition of fines, penalties, chargebacks or any other liability to PhonePe;You shall apply appropriate due-diligence while transacting using Your PhonePe Wallet/eGV as in case any amount is transferred erroneously by You to any Merchant or any other person, PhonePe shall not be liable to refund such amount to You under any circumstances.Any web-link on the website to a third-party site is not an endorsement of that web-link. By using or browsing any such other web-link, you shall be subject to the terms and conditions in each such web-link and You should review such terms and conditions before using such website/application.PhonePe shall send all customer communications by SMS/ email/ notification or any other communicating mode and they shall be deemed to have been received by You after they have been submitted for delivery to the SMS/email service providers. You are required to review all such communication and report back to Us in case of any concern or query.You agree to receive all transactional and promotional messages from PhonePe/ PhonePe merchant partners. However, in case You do not want to receive promotional messages, You shall Opt-Out from by expressing Your consent on the Opt-Out option provided as part of such emails or via any other medium made available to You by PhonePe.You shall use the Wallet in good faith and in compliance with all applicable laws and regulations and be solely responsible for payment of any taxes, duties or other governmental levies or any financial charges that may be imposed on any products or services purchased or supplied by a merchant or otherwise arising from transactions.You shall ensure that the PhonePe Wallet is not used for Transactions in foreign currency. PhonePe Wallet is issued & shall be valid only in India and shall be used at Merchant located in India only.You agree and understand that when you acquire goods or any other services from a Merchant platform through PhonePe Services, we are not a party to the contract between you and the Merchant. We do not endorse any advertiser or Merchant linked to its website or app. Furthermore, we are under no obligation to monitor the Merchant's service used by you; the Merchant alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant must be directly resolved by the User with the Merchant. It is clarified that We shall not be responsible or liable for any deficiency in goods and/or services purchased using PhonePe Services. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.CommunicationPhonePe may communicate with you on the contact information or PhonePe applications that you may have provided to Us during the course of your engagement, including but not limited to signup, transacting or availing any third party products or services on PhonePe Platform.We will send you communication alerts via emails or SMS or push notifications or via other progressive technology. You also agree that there can be disruption in communications due to factors that are not under Our control, including but not limited to Your Phone being switched off, incorrect email address, network interruptions. You agree not to hold PhonePe liable for non-delivery for any alert or any loss suffered by you due to delay, distortion or failure of communication.You further acknowledge that you are responsible for the contact details shared with Us and shall update us on any change on your contact details. You authorise Us to contact you and communicate with you for any PhonePe Service or Offer(s). We may use third party service providers to send alerts or communicate with you. You authorise PhonePe and PhonePe Entities to override the DND settings to reach out to you over calls, SMS, emails and any other mode of communication.DisputesAny disputes against Your PhonePe Wallet usage and operation shall be notified to Us within 30 days, beyond which, We shall not be held liable for any such claim/event. However, when a dispute is received from You, We shall identify Your dispute by a unique tracking reference and acknowledge the same.Any disputes not resolved amicably, shall be referred to the governing laws within the republic of India and jurisdictions mentioned in governing law / jurisdiction section below.Indemnification & Limitation of LiabilityYou shall indemnify and hold harmless PhonePe, PhonePe Entities, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.Financial and non-financial transactions performed by You on PhonePe Platform is always processed by You or under Your exclusive authorization.In no event will PhonePe be liable for any indirect, consequential, incidental, special or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Services, however caused and whether arising in contract, tort, negligence, warranty or otherwise, exceed the amount paid by You for using the Services giving rise to the cause of action or Rupees One Hundred (Rs. 100) whichever is less.Amendment to the terms of useThese terms of use govern our mutual rights, responsibilities and obligations and is subject to change as directed but not limited to notifications by regulators, enforcement agencies, changes in law of land or PhonePe’s internal policies and procedures.These terms of use may be modified to reflect our current practices, procedures, product features and other notified changes by regulators and changes in law. We shall update the terms of use accordingly and You are required to review the terms while using Your PhonePe Wallet/eGV. These terms shall be deemed to be accepted by You in case of Your continuing usage and operation of PhonePe application.Your PhonePe Wallet/eGVs are issued basis permissible regulatory directives and You understand and acknowledge that any change in such directives may impact Your PhonePe Wallet/eGV’s operation and issuance, including suspension/termination, which is solely defined by such directions and may not reflect in terms of use.Intellectual Property RightsIntellectual Property Rights for the purpose of this Terms of Use shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights. All those Intellectual Property rights arising as a result of domain names, internet or any other right available under applicable law shall vest in the domain of PhonePe or PhonePe entities as the owner of such domain name. The Parties hereto agree and confirm that no part of any Intellectual Property rights mentioned hereinabove is transferred in the name of User and any intellectual property rights arising as a result of these presents shall also be in the absolute ownership, possession and Our control or control of its licensors, as the case may be.All material on this site, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights of PhonePe, PhonePe Entities or Business Partners. Material on Website is solely for Your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other platform or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited.Governing law / JurisdictionsThis Agreement and the rights and obligations thereunder and the relations of the parties and all matters arising under or in connection with this Terms of Use, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of India.If any dispute or difference of any kind whatsoever shall arise between the parties in connection with or arising out of or in connection with your use of the PhonePe Wallet, you and PhonePe’s designated employee or representative shall promptly and in good faith negotiate with a view to arriving at an amicable resolution and settlement of the dispute or difference.In the event no amicable resolution or settlement is reached within a period of thirty (30) days, such dispute or difference shall be referred to a mutually acceptance single arbitrator or, upon the failure of the parties to agree upon a single arbitrator, within a period of ten (10) days, each party shall appoint one arbitrator each and the two appointed arbitrators shall appoint the third arbitrator who shall act as the presiding arbitrator under the provisions of the Indian Arbitration and Conciliation Act, 1996. The arbitration proceedings shall be held at Bangalore.The existence of any dispute or difference or the initiation or continuance of the arbitration proceedings shall not postpone or delay the performance by the parties of their respective obligations under this Agreement. It is agreed that the arbitrators shall also determine and make an award as to the costs of the arbitration proceedings. Notwithstanding anything contained herein, the parties shall have a right to institute legal proceedings to prevent any continuing breach and to seek an injunctive or any other specific relief.Subject to and without prejudice to the amicable settlement and arbitration clauses contained above, the courts in Bengaluru, Karnataka shall have exclusive jurisdiction to try and adjudicate all matters arising in connection with your use of the Wallet or other matters covered herein.General ProvisionsPhonePe shall have the right to assign this Agreement (including all of our rights, titles, benefits, interests, and obligations and duties in this Agreement) to any of our affiliates and to any successor in interest. PhonePe may delegate certain PhonePe rights and responsibilities under this Agreement to independent contractors or other third parties. You may not assign, in whole or part, this Agreement to any person or entity without our prior written consent which may be withheld at our sole discretion.A Force Majeure Event shall mean any event that is beyond the reasonable control of the PhonePe and shall include but not limited to war, riots, fire, flood, acts of God, explosion, strikes, lockouts, slowdowns, prolonged shortage of energy supplies, Pandemic, computer hacking, unauthorized access to computer data and storage devices, computer crashes ,acts of state or governmental action prohibiting or impeding PhonePe Entities from performing its respective obligations under the contract.DisclaimersIf there is any conflict between the English version and another language version of this Agreement, the English version shall prevailAny failure by PhonePe to exercise any of our rights under this Agreement shall not constitute a waiver of such right or a waiver with respect to subsequent or similar breach. A waiver shall be effective only if made in writing.If any provision of this Agreement is held to be invalid or otherwise unenforceable, then that provision shall be deleted and the remaining provisions shall remain valid and enforceable.Headings are for convenience purposes only and in no way define, limit, construe or describe the scope or extent of such section.PhonePe and third party partners make no warranty, express or implied regarding the quality of Services including but not limited to: i) the Services will meet your requirements; II) the Services will be uninterrupted, timely or error free; or III) any products, information or material obtained by You in connection with the services will meet Your requirements.If You are unable to use the Services as a result of improper operation of the systems due to any of the following reasons, You agree you will not hold PhonePe and our affiliates liable for:System suspension which has been announced by PhonePe in advance through any mode of communication;Failure in data transmission due to breakdown in the telecommunications equipment or systems;Failure in system operations due to breakdown resulting from typhoon, earthquake, tsunami, flood, electricity blackout, war, terrorist attack, and other force majeure events which are beyond our reasonable control; orThe Services are interrupted or delayed due to hacking, authority, website upgrade, banks, and other reasons that are beyond control of PhonePe.Except as expressly provided herein and to the full extent permitted by law, the Services are provided "as is", "as available" and "with all faults". All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded. It is Your responsibility to evaluate the accuracy, completeness and usefulness of the Services and other information provided by PhonePe or generally available. We do not authorise anyone to make any warranty on our behalf and You should not rely on any such statement.If you have a dispute with other parties, you release PhonePe (and our affiliates and officers, directors, agents, and employees thereof) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.You agree that all risks arising from online transactions will be borne by You and In the event of any dispute, PhonePe records shall be binding as the conclusive evidence of the transactions carried out through use of PhonePe Wallet.In no event will PhonePe be liable for any indirect, consequential, incidental, special or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Services, however caused and whether arising in contract, tort, negligence, warranty or otherwise, exceed the amount paid by You for using the Services giving rise to the cause of action or Rupees One Hundred (Rs. 100) whichever is less.In case of any further details or queries on the terms of use of PhonePe, You may reach out to us via PhonePe CS Webform (PhonePe CS Webform)Terms of use of PhonePe Gift Cards/RewardsThese terms and conditions regulate the use of PhonePe issued Gift Card, a Semi Closed Prepaid Payment Instrument (hereinafter referred to as “PhonePe Gift Cards") offered by PhonePe Private Limited) a company incorporated under the Companies Act, 1956 with its registered office at Unit No.001, Ground Floor, Boston House, Suren Road, Off. Andheri-Kurla Road, Andheri (East) Mumbai – 400 093, India(hereinafter referred to as ”PhonePe”). PhonePe has been authorised in this regard by the Reserve Bank of India under Authorisation number: 98/2016 dated 9th December 2016.By purchasing or using a Gift Card, you are agreeing to and accept these terms and conditions.Purchase:Gift Card may only be purchased in denominations upto Rs. 10,000. PhonePe may cap the maximum amount of Gift Card based on business rules or fraud prevention rules. You may purchase PhonePe Gift Card using UPI, Debit Card or Credit Card. Gift Cards cannot be purchased using Wallet or Gift Card balance. Usually Gift Cards are delivered instantly. But sometimes due to system issues, the delivery can be delayed by up-to 24 hours.Limitations:Gift Cards, including any unused Gift Card balances, expire one year from the date of issuance. Gift Cards cannot be reloaded, resold, transferred for value or redeemed for cash. Unused Gift Card balances may not be transferred to another PhonePe account. No interest will be payable by PhonePe on any Gift Card or Gift Card balance.Redemption:Gift Card may only be redeemed toward transactions on eligible merchants on PhonePe platform. Purchase amount is deducted from the user's Gift Card balance. Any unused Gift Card balance will remain associated with the user's PhonePe account and applied to purchases in order of earliest expiration date. If a purchase exceeds the user's Gift Card balance, the remaining amount must be paid with any of the other available instruments. No user fees or charges apply to redemption of Gift Cards.Fraud:PhonePe is not responsible if a Gift Card is lost, stolen, destroyed or used without permission. PhonePe will have the right to close customer accounts and take payment from alternative forms of payment if a fraudulently obtained Gift Card is redeemed and/or used to make purchases on PhonePe platform. PhonePe fraud prevention policies will cover both the purchases of Gift Cards and redemption on PhonePe platform. Transactions that are deemed suspicious by fraud prevention policies may be disallowed by PhonePe. PhonePe reserves the right to cancel fraudulently obtained / purchased Gift Cards and put restrictions on suspicious accounts as deemed appropriate by our fraud prevention systems.Pre-paid Instrument:You agree and understand that Gift Cards are a Pre-Paid Payment Instrument subjected to regulations by RBI. Under the RBI guidelines, PhonePe Pvt. Ltd may be required to share KYC details of the purchaser/ redeemer of the Gift Card and/or any other information with relation to the purchase of the Gift Cards and/or transaction undertaken using the Gift Card with RBI or such statutory authorities. PhonePe Pvt. Ltd may contact the purchaser/redeemer of the Gift Card for any such information.PhonePe Rewards programPhonePe from time to time can provide incentives in the form a PhonePe Reward to users who can redeem it as they see fit.By agreeing to use PhonePe, a user of PhonePe services agrees to the below terms and conditions:PhonePe reserves the right to provide rewards its users as perinternal policies as decided by PhonePe from time to time.For cashback rewards, all of PhonePe terms and conditions applicable to cashback awardance and usage will continue to apply (ref: 'Cashback / Wallet Balance Limit' in PhonePeTerms and Conditions).PhonePe reserves the right to pull back rewards from a user's account (pre or post redemption) in case of suspicious or fradulent activities as detected by PhonePe from time to time without any notice/intimation.Scratch cards standing unclaimed will be forfeited post 1 year of granting of the scratch card to the user.The reward is not guaranteed in any manner whatsoever.If you win a reward, the reward amount shall be credited to your PhonePe Wallet.Phonepe may use your personal information for promotional purposes without additional consent from or compensation to you.This offer is not available in the state of Tamil Nadu (owing to the Tamil Nadu Prize Scheme (Prohibition) Act 1979) and other states wherever prohibited by law.Customers' participation in any offer constitutes their understanding and agreement to the complete terms and conditions associated with each offer.Rewards(Cashback) LimitIf you are entitled for cashback, you agree to receiving the same as a gift voucher.The gift vouchers will be valid for 1 year and is subject to a maximum limit of Rs.10,000 per gift voucher. PhonePe reserves the right to extend the validity period of your vouchers at its discretion.PhonePe reserves the right to impose additional amount limits within the overall applicable limit.PhonePe reserves the right to award offers and related benefits as per internal policy decided by PhonePe from time to time.What happens in case of refund/cancellation of my Transaction?In case of any cancellations, the cashback given on the transaction will continue to remain as gift voucher balance and non-withdrawable to your bank account. This can continue to be used on PhonePe (recharges, bill payments, etc.)Refunded amount less of cashback will be credited back to the source of funds used while making payment.Cashback gift voucher can be used for recharges, bill payments and payments on PhonePe partner platforms/stores.Cashback gift voucher cannot be withdrawn to any linked bank account or transferred to other customers.A user can earn up to maximum INR 9,999 per financial year (i.e. 1 April to 31 March) across all offers disbursed on PhonepeWhat happens in case e-voucher code is not visible and an error message appears on the screen?There could be a possibility that due to technical error the e-voucher code is not visible and therefore the offer could not be availed. Please do not worry. Just call up the customer service center share the error message details either by sharing a screen shot or by reading out the same. A revised code shall be provided or an alternate coupon / equivalent offer shall be provided to you.Terms of Use of Debit /Credit Cards.These terms and conditions regulate the payments under the Card Networks (AMERICAN EXPRESS, DINERS CLUB,MASTERCARD,RUPAY, MAESTRO and VISA). The application software (“PhonePe App”) which connects the Platform is being offered by PhonePe Private Limited a company incorporated under the Companies Act, 1956 with its registered office at Unit No.001, Ground Floor, Boston House, Suren Road, Off. Andheri-Kurla Road, Andheri (East) Mumbai – 400 093, India (hereinafter referred to as "PhonePe").Your use of the Debit and Credit Cards and related tools on PhonePe are governed by the following terms and conditions ("Terms of Use") which are incorporated herein by way of reference.PCI-DSS CompliancePhonePe is PCI-DSS Compliant, PCI-DSS(Payment Card Industry - Data Security Standard) is an information security standard for companies that store customer Debit/Credit card information.Saving Card detailsPlease note that you can make Debit/Credit Card payments on PhonePe either by saving or without saving your card.If you accept to Save the card on PhonePe please note that the card details - Card Number, Expiry Date will be saved in a secured encrypted zone which is PCI-DSS compliant.Please note that we do not store sensitive information such as OTP, 3D-Secure Password, ATM PIN etc.Refund/ReversalsAny refund/reversals initiated by the merchants in case of non-fulfillment or return of orders will be refunded back to the customer.Terms of Use of External WalletExternal wallets are third party pre-paid payment instruments which are enabled inside PhonePe Application.PhonePe is only facilitatingthe usage of External wallet balance at various merchants.Loading of External wallet balance by using instruments saved on PhonePe.PhonePe in no way is responsible for creation or regulatory adherence of External wallets for the above use cases.By agreeing to link your ‘External Wallet’ on PhonePe, you are confirming that you have read and agreed to all terms and conditions as set-out by the respective wallet companies on their websites/Applications.By linking your External Wallets to PhonePe, you are authorizing PhonePe to perform multiple operations on your External Wallets which includes, but is not limited to, debiting amounts against payments due to merchants, checking balance, crediting refunds and loading your External Wallet Balance etc.PhonePe reserves the right to disable the ‘External wallet’ option during payments.PhonePe reserves the right to de-link the ‘External Wallet’ from PhonePe at any point in time without prior intimation.Loading of External wallets inside PhonePe App is subject to KYC Terms & conditions and wallet limits defined by respective External walletsIn case of failure of wallet loading and if PhonePe receives the money the amount would be refunded back to the source.If you do not have sufficient external wallet balance to complete a merchant payment you can combine it with PhonePe Wallet, Debit/Credit Card or BHIM UPI.Other ResponsibilitiesYou shall promptly inform us for any unauthorized usage of your account, lost/stolen/misplaced/ device or account details, and any other circumstances which may lead to unauthorized usage of your account. The responsibility of any transaction prior to intimation, will solely be on the registered User.You agree and understand that when you acquire goods or any other services from a Merchant platform through PhonePe Services, we are not a party to the contract between you and the Merchant. We do not endorse any advertiser or Merchant linked to its website or app. Furthermore, we are under no obligation to monitor the Merchant's service used by you; the Merchant alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant must be directly resolved by the User with the Merchant. It is clarified that We shall not be responsible or liable for any deficiency in goods and/or services purchased using PhonePe Services. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.In case any amount is transferred erroneously by the You to any Merchant or any other person , PhonePe shall not be liable to refund such amount to You under any circumstances.Any web-link on the website to a third party site is not an endorsement of that web-link. By using or browsing any such other web-link, you shall be subject to the terms and conditions in each such web-link.In the event of any dispute, PhonePe records shall be binding as the conclusive evidence of the transactions carried out through use of PhonePe Services.PhonePe shall send all customer communications by SMS and/or email and they shall be deemed to have been received by You after they have been submitted for delivery to the SMS/email service providers.You agree to receive all commercial message including transactional messages from PhonePe/Merchant.You will use the Services in good faith and in compliance with all applicable laws and regulations.The information and material you provide in connection with the use of the Services is true, lawful and accurate, and is not false, misleading or deceptive.You should be solely responsible for payment of any taxes, duties or other governmental levies or any financial charges that may be imposed on any products or services purchased or supplied through the Services or otherwise arising from online transactions.You shall not use PhonePe Services for any purpose that might be construed as contrary or repugnant to any applicable law, regulation, guideline, judicial dicta, Terms of Use or for any purpose that might negatively prejudice the goodwill of PhonePe.You shall ensure that the PhonePe Services are not used for Transactions in foreign currency. PhonePe services are issued & shall be valid only in India and shall be used at Merchants only in India.ProhibitionsYou shall not:use the Services to defraud PhonePe, our affiliates or other members or users, or engage in other unlawful activities (including without limitation dealing in products or services prohibited by law).impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another persons digital signatures or perform any other fraudulent activity.post or transmit any message, image or data which is pornographic in nature.purchase anything (products or services) using fraudulent fundsuse the Services in a manner that may result in complaints, disputes, imposition of fines, penalties, chargebacks or any other liability to PhonePe.use PhonePe services for money laundering, tax evasion or any other illegal activities.Consent to Electronic Communications and TransactionsBy registering with Us, you consent to conduct transactions and receive communications, notices and information from us electronically, whether sent by e-mail or other electronic means. Electronic communications shall be deemed to have been received by you when We send the electronic communication to the email address/mobile number that as per our records, or when We post the electronic communication on the website. The requirements for such electronic transactions and communications following: you must have access to the Internet, mobile web, applications and a valid e-mail address. You can withdraw your consent at any time by contacting Us, but We reserve the right to terminate your Account upon such withdrawal. Withdrawal of your consent will not affect the legal validity and enforceability of any notice, statement or disclosure previously received electronically. You agree to notify us promptly if your email address, phone number or other contact information changes by updating your account information or contacting us.Anti-Money Laundering PolicyPhonePe strongly condemns and prohibits money laundering and any activity that facilitates money laundering or financing of terrorist or criminal activities. At PhonePe the directors, officers, employees and any other individuals or organisations associated with PhonePe are supposed to adhere to the applicable law.Erroneous TransactionUnauthorized TransactionsAn unauthorized transaction occurs when a payment is made from your account that you did not authorize. For example, if someone makes a transaction from your account using a stolen password, an unauthorized transaction has occurred. If you provide access to your account to a third party (by disclosing your login or/and BHIM UPI PIN or MPIN information or any other information) and they conduct transactions without your knowledge or permission, you are responsible for any resultant use. The liability of any misuse is solely Yours, until you report the issue to PhonePe.An unauthorized transaction occurs when your Debit/Credit card details and OTP(one time password) or ATM PIN details are compromised and they conduct transactions without your knowledge or permission, you are responsible for any resultant use. The liability of any misuse is solely Yours, until you report the issue to PhonePe.In the event of an unauthorized transaction in your account, you should immediately notify PhonePe if you believe:there has been an Unauthorized Transaction or unauthorized access to your account;there is an error in your account history statement (you can access your account history statement by logging into your app and go to transaction history section;your PhonePe username and password and/or bank account BHIM UPI PIN has been compromised;your device with the PhonePe App has been lost, stolen or deactivated;For unauthorized transactions or errors in your Account, notify us by Calling on 0124-6789-345 or by sending an email using this link PhonePe CS Webform (PhonePe CS Webform)PhonePe ErrorsWe will rectify any error that we discover. If the error results in your receipt of less than the correct amount to which you are entitled, PhonePe may credit your account for the difference. If the error results in your receipt of more than the correct amount to which you are entitled, PhonePe may debit the extra funds from your account.User ErrorsIf you erroneously send a payment to the wrong party, or send a payment for the wrong amount (for instance a typographical error at your end) your only recourse will be to contact the party to whom you have sent the payment and ask them to refund the amount. PhonePe will not reimburse you or reverse a payment that you have erroneously made.No RefundsAll payments on PhonePe for mobile/DTH recharge, Bill Pay, P2P transfers are final. Such transactions cannot be refunded/ returned or cancelled once initiated.IndemnificationYou agree to indemnify and hold PhonePe, its affiliates, employees, directors, officers, agents and representatives and to hold them harmless, from any and all losses, damages, actions, claims and liabilities (including legal costs on a full indemnity basis) which may arise, directly or indirectly, from your use or misuse of the Services or from your breach of the Terms of use of the Services. PhonePe reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify PhonePe including right to settle, and you agree to co-operate with PhonePe defense and settlement of these claims. PhonePe shall use reasonable efforts to notify You of any claim, action or proceeding brought by a third party that is subject to the aforesaid indemnification.AmendmentWe will send notice of any change to You that involves an increase in fees or liability for You ("Material Change"), to the registered email address, and that Material Change will be effective 15 days from the earlier of posting it to our Website or otherwise communicating it to You. You will be deemed to accept any Material Change if you use the Website or Services after the 15-day notice period. We may make Material Changes without prior notice if immediate changes are necessary for security reasons.PhonePe may suspend and/or terminate your PhonePe wallet anytime with or without prior notice due to any change in rules, regulations and laws by the relevant government authorities/regulators. In addition, your bank may suspend/ terminate BHIM UPI services at anytime with or without prior notice. PhonePe will not be responsible for such service outages.PhonePe may revoke, suspend and/or terminate your Virtual Private Address (BHIM UPI) registered against your PhonePe account anytime with or without prior notice at its sole discretion.Intellectual Property RightsIntellectual Property Rights for the purpose of this Terms of Use shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights. All those Intellectual Property rights arising as a result of domain names, internet or any other right available under applicable law shall vest in the domain of PhonePe as the owner of such domain name. The Parties hereto agree and confirm that no part of any Intellectual Property rights mentioned hereinabove is transferred in the name of User and any intellectual property rights arising as a result of these presents shall also be in the absolute ownership, possession and Our control or control of its licensors, as the case may be.Trademark, Copyright and RestrictionAll material on this site, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights. Material on Website is solely for Your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other platform or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited. Any use for which You receive any remuneration, whether in money or otherwise, is a commercial use for the purposes of this clause.Limitation of LiabilityIN NO EVENT SHALL PHONEPE OR ITS AFFILIATED COMPANIES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES OR ANY RELATED PARTY BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY LOSS OF REVENUE OR PROFITS ARISING UNDER OR RELATING TO THESE TERM OF USE. TO THE EXTENT PERMITTED BY LAW, OUR MAXIMUM AGGREGATE LIABILITY TO YOU FOR ANY CAUSES WHATSOEVER, AND REGARDLESS OF THE FORM OF ACTION (WHETHER LIABILITY ARISES DUE TO NEGLIGENCE OR OTHER TORT, BREACH OF CONTRACT, VIOLATION OF STATUTE, MISREPRESENTATION OR FOR ANY OTHER REASON) WHATSOEVER WILL AT ALL TIMES BE LIMITED TO INR ONE HUNDRED (INR 100).Suspension or Breakdown of SystemsIf You are unable to use the Services as a result of improper operation of the systems due to any of the following reasons, You agree you will not hold PhonePe and our affiliates liable for:System suspension which has been announced by PhonePe in advance through any mode of communication;Failure in data transmission due to breakdown in the telecommunications equipment and systems;Failure in system operations due to breakdown resulting from typhoon, earthquake, tsunami, flood, electricity blackout, war, terrorist attack, and other force majeure events which are beyond our reasonable control; orThe Services are interrupted or delayed due to hacking, authority, website upgrade, banks, and other reasons.Dispute Resolution; Governing Law; JurisdictionDispute ResolutionIf any dispute or difference of any kind whatsoever shall arise between the parties in connection with or arising out of the us of the Services (whether before or after the termination or breach of this Agreement) the concerned representatives of the parties shall promptly and in good faith negotiate with a view to an amicable resolution and settlement of the dispute.In the event no amicable resolution or settlement is reached within a period of thirty (30) days, such dispute or difference shall be referred to a mutually acceptance single arbitrator or, upon the failure of the parties to agree upon a single arbitrator, within a period of ten (10) days, each party shall appoint one arbitrator each and the two appointed arbitrators shall appoint the third arbitrator who shall act as the presiding arbitrator under the provisions of the Indian Arbitration and Conciliation Act, 1996. The arbitration proceedings shall be held at Bangalore.The existence of any dispute or difference or the initiation or continuance of the arbitration proceedings shall not postpone or delay the performance by the parties of their respective obligations under this Agreement. It is agreed that the arbitrators shall also determine and make an award as to the costs of the arbitration proceedings. Notwithstanding anything contained herein, the parties shall have a right to institute legal proceedings to prevent any continuing breach and to seek an injunctive or any other specific relief.JurisdictionSubject to the above clause, the Courts of Bangalore, Karnataka, alone shall have the jurisdiction to try and adjudicate all suits, legal proceedings, etc. arising out of this Agreement.Governing LawThis Agreement and the rights and obligations thereunder and the relations of the parties and all matters arising under or in connection with this Agreement, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of India.DisclaimerYou agree that all risks arising from online transactions will be borne by You.PhonePe and third party partners make no warranty, express or implied regarding the quality of Services including but not limited to: i) the Services will meet your requirements; II) the Services will be uninterrupted, timely or error free; or III) any products, information or material obtained by You in connection with the services will meet Your requirements.Except as expressly provided herein and to the full extent permitted by law, the Services are provided "as is", "as available" and "with all faults". All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded. It is Your responsibility to evaluate the accuracy, completeness and usefulness of the Services and other information provided by PhonePe or generally available. We do not authorise anyone to make any warranty on our behalf and You should not rely on any such statement.In no event will PhonePe be liable for any indirect, consequential, incidental, special or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Services, however caused and whether arising in contract, tort, negligence, warranty or otherwise, exceed the amount paid by You for using the Services giving rise to the cause of action or Rupees One Hundred (Rs. 100) whichever is less.If you have a dispute with other parties, you release PhonePe (and our affiliates and officers, directors, agents, and employees thereof) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.General ProvisionsIf any provision of this Agreement is held to be invalid or otherwise unenforceable, then that provision shall be deleted and the remaining provisions shall remain valid and enforceable.Headings are for convenience purposes only and in no way define, limit, construe or describe the scope or extent of such section.Any failure by PhonePe to exercise any of our rights under this Agreement shall not constitute a waiver of such right or a waiver with respect to subsequent or similar breach. A waiver shall be effective only if made in writing.PhonePe shall have the right to assign this Agreement (including all of our rights, titles, benefits, interests, and obligations and duties in this Agreement) to any of our affiliates and to any successor in interest. PhonePe may delegate certain of PhonePe rights and responsibilities under this Agreement to independent contractors or other third parties. 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“How does one operate a submarine? Is there a steering wheel?”Question from a junior in an American high school, so I’ll answer at that level of experience (none). But first, the use of the word “one” is correct (in the US), but can sound pretentious, if you’re not careful. I’m sure you didn’t mean can one person, alone, operate a submarine, so I’ll leave it at that.Simple answer: Yes, there’s a “steering wheel.” Using maritime terminology, it’s called a “helm” (just like in Star Trek). It started back in the days of sail.Classic tall-ship helm.WWII-era submarine helm.Some new classes of submarine have a computer control, where the systems are controlled with a computer joystick.US Virginia-class submarine ship controls.Now, the technical answer.This answer is restricted to full-size military submarines.We’ll start with the basics, and build from there.Every ship, submarine, and aircraft has a rudder in the back (stern). Moving it left and right shoves the stern left and right, changing the ship’s direction.On the first ships, in the last millennium, it was a fixed oar, called a steer-board (starboard). Because most men are right-handed, the board was on the right side (which is why the right side of a ship is the starboard side).When rudders were put on the centerline, they were controlled with a lever, called the till.Eventually, huge rudders were too heavy, so a helm wheel was developed, which used pulleys and ropes to amplify a man’s strength.When the industrial age began, ropes and pulleys were replaced with pumps, cylinders and hydraulic oil.The first submarines had an independent hydraulic system for the rudder, with a hydraulic pump feeding the helm control valve, which would port pressurized hydraulic fluid to either side of a huge hydraulic ram, which moved the rudder.1) Main steering wheel; 2) change valve; 3) electric motor, 15-horsepower, speed 440 revolutions per minute; 4) motor-driven Waterbury A-end pump; 5) telemotor; 6) control cylinder; 7) control cylinder plunger; 8) bell-crank shaft on control cylinder; 9) steering system main manifold; 10) port ram; 11) starboard ram; 12) inboard connecting rods; 13) emergency steering wheel; 14) spur gears; 15) emergency control valve shaft; 16) main supply manifold, main hydraulic system; 17) main return manifold, main hydraulic system; 18) line to main supply tank; 19) vent and replenishing line to main supply tank; 20) gage; 21) relief valve (48 pounds); 22) vent and replenishing line to stern plane Waterbury A-end pump.Submarine Hydraulic Systems - Chapter 4There were three methods of operating the helm, POWER, EMERGENCY, and HAND. In POWER mode, the local hydraulic pump provides hydraulic pressure. In EMERGENCY, the ship’s main hydraulic system provides the pressure. In HAND mode, the helm steering wheel is turned, acting as a manual pump. All of the piping for rudder control went from the helm wheel in the Control Room to the hydraulic ram in the After Torpedo Room. It was all mechanical. Here’s a link to a libray of the WWII submarine qualification books, that all submariners had to read and learn.The Fleet Type Submarine OnlineAfter WWII, an electrical servo system was developed. When the helm wheel is turned, an electrical signal is sent to a control valve. The control valve controls the fluid going the rudder ram.If the electrical system fails, the rudder can be put in emergency mode, where a separate control valve is operated using a lever in the console between the two operators. It’s all mechanical. Then there’s the manual mode, in the Engine Room. A crewman operates the control valve. manual. If there’s no hydraulic pressure, a hand-pump can be used. If none of that works, a team of people can use ropes and pulleys to physically move the rudder.To give you an idea of the “qualification” difficulty for submariners, the post-WWII info I wrote was off the top of my head, from my initial submarine qualifications aboard USS Patrick Henry (SSBN-599) in 1980. Part of the process was to learn a basic piping diagram and draw it on demand, AND physically show the locations of all of the emergency valves and the ability to operate them. When transferring to other classes of boats, I was required to learn the differences.In the new Virginia-class submarine, the electrical controls have been replaced with digital electronic controls, operated by the computer system, controlled by the pilot with his joystick. I don’t know the system controls or backup methods, it’s after my time in the Navy.The question was about “operation” so there’s a LOT more than just steering th boat around. Unlike ships, submarines operate in three dimensions and also need to tilt up and down, just like an airplane.To do this, they have additional horizontal control surfaces at the stern and either at the bow, or on the fairwater (called a “conning tower” by uninformed civilians).Classic diesel submarine stern, showing the port-side rudder, stern plane and screw.Classic diesel boat bow, showing port-side bow plane and two torpedo tubes (one with no inner out outer doors, one with the outer door shut).Stern of USS Halibut (SSGN-587) in 1959, showing opper and lower rudders, stern planes, screws, and after torpedo tubes.Nuclear submarine starboard bow plane.Fairwater planes.Fairwater planes tilted vertically to enable the submarine to surface through polar ice.How do they work? Much like on an airplane. The stern planes are used to control the sub’s angle (tilt or pitch). The bow planes (or sail planes) are used to alter the sub’s depth.Each control surface has it’s own operating system. The controls are in the Control Room (aren’t submariners original? LOL)WWII submarine stern and bow planes controls. Each one had its own operator. The systems were nearly identical to the rudder control I detailed earlier.Modern US submarine ship control area. The two young men are the stern-planesman (left) and helmsman/bow-planesman (right). They are usually the most junior members of the crew, E-1 (Seaman Recruit) through E-4 (Petty Officer Third Class).The sternplanesman’s ONLY job is to control the boat’s trim angle (pitch) up and down, as ordered by the Diving Officer Of the Watch (DOOW). He does it by pushing his wheel forward and back, to control th stern planes.The Helmsman’s job is to control the boat’s course and speed, as ordered by the Officer Of the Deck (OOD). Course is controlled by turning the wheel left and right, to control the rudder. Speed is controlled by turning the control know on the Engine Order Telegraph.A submarine EOT. The black knob controls the ordered pointer. The engine order is sent to an EOT in the Maneuvering Room in the Engine Room, where the engineers control the reactor and propulsion plant. They acknowledge the order by moving the answer pointer to match the order. Engine speed is not ordered by engine RPM or ship speed (Follow-up RPM and speed orders are received orally via MC (PA system) announcements.) Those orders are Ahead 1/3, 2/3, Standard, Full. and Flank, and Back 1/3, 2/3, Full, and Emergency.The bow planseman’s job is to control the boat’s depth, as ordered by the DOOW. He does that by moving his wheel forward and back, to control the angle of the bow planes.The third junior member of the Control Party is the Messenger, who is the general gofer, ordered b the OOD and the Chief Of the Watch (COW). He rotates with the other two to the planesman and helmsan. When needed, he is a phone-talker, wearing sound-powered-phones on a ship-wide circuit. The young man standing in the back is the Messenger.Sound-powered phones. The microphone is on the bottom. When spoken into, it generates its own electrical signal to all of the other headsets on the circuit. It requires no batteries or external power sources (ideal for battle).OK, back to the Control Party (OH! I forgot! “Party” is a Navy term for a team of people doing something. Things like Stores Loading Party, Fire Control Party, Line Handling Party, etc..)In the picture, the man sitting on a stool behind the Helm and Planesmen is the Diving Officer Of the Watch. He is responsible to the OOD for maintaining ordered ship’s depth and trim angle, ordering planes movement to the planesmen, and ship’s trim/buoyancy to the Chief Of the Watch (COW). In this function, he needs to balance the use of planes and amount of water pumped into and out of the sub. They are all interactive. This is an officer or senior enlisted (E-7 to E-9 Chief Petty Officer, Senior Chief or Master Chief).The last man in the picture (bald head, no face) is the COW. He has multiple functions and receives orders from the DOOW and OOD. Under DOOW orders, he operates the Ballast Control Panel to control the boat’s trim and buoyancy, by moving water (measured by thousands of pounds) around the boat through the trim tanks. When ordered to hover, he operates the hovering system. Under orders from the OOD, he raises/lowers masts and antenna, operates Main Ballast Tank flooding and blowing (including the Emergency Blow “Chicken Switches”), monitors the status of all hull penetrations (hatches, induction valve, torpedo tubes, missile tubes, etc.), operates major ship alarms (General, Collision, Diving, Missile Emergency), and makes general announcements over the 1MC ship-wide PA system (Battlestations, Collision, Flooding, Diving, Missile Emergency, “Prepare tto Snorkel,” “Ventilate,” Rig Ship For Reduced Electrical Power,” etc., etc..), sends the Messenger to wake the relief crew or make a coffee run, ship-wide non-nuclear watch management, and control over the qualification delinquents (a non-qualified crewman who is behind on his expected qualification progress musters with the COW for two hours of extra study).The leader of the Ship Control Party, not shown in the picture is the Officer Of the Deck, who is directly responsible to the Captain for all ships’ operations.Submarine OOD, looking through a periscope. The Ship Control Panel is behind him. You can see the Helmsman’s hand on the rudder.He issues all orders to the crew, through the senior watch station officers and crew (Diving Officer Of the Watch, Engineering Officer Of the Watch, Chief Of the Watch, and Helmsman). He has two functions (and names), Deck and Conn. The OOD cannot delegate the Deck. That’s the responsibility for the ship. Conn (as in Conning Officer) gives verbal ship’s movement orders to the Helmsman (ship’s course), Divve (ship’s depth) and Maneuvering Room (ship’s speed). The OOD can give (delegate) the Conn to as assistant, the Junior Officer Of the Deck (JOOD). When he does, the JOOD has to make a loud announcement of that fact, so everybody knows who is giving the orders, and it can be recorded in the ship’s log book. (“This is Ensign Smith, I have the Conn, Lieutenant Jones retains the deck.” That announcement is acknowledged by the Helmsman, so the OOD and JOOD know that the Helmsman know’s who is giving conning orders (Ensign Smith has the Conn, Lieutenant Jones retains the deck, Helm, aye.” The OOD can countermand the JOOD’s orders at any time. If he does, the Helm will immediately announce (Lieutenant Smith has the Conn!” and obey the OOD’s orders. There are two people who can countermand an OOD’s orders. The Captain and XO (Executive Officer — 2nd in command). If that happens, the Helm will immediately announce “Captain Has the Conn!” and obey his orders.I saw that happen, once. I was in Sonar, with the door open. The Captain came running by, going to the Control Room. I heard the Captain “Full Rise Stern Planes! Full Rise Bow Planes!” Yep, the entire Control Party was in the shits. The OOD, DOOW, COW, Helm and Planes had collectively screwed up, big time!Now, for the controls. Look at the picture, there are a whole slew of knobs, switches, controls, meters, lights, and indicators. Everybody must know how to operate them.Start with the Helm. Notice the rudder wheel is turned slightly to the left. He’s putting a few degrees of rudder there, probably to control the boat’s drift off of ordered course. Now look all the way up, to the right. there’s a rectangular panel with several meters and indicators. The one in the middle at the top is the Rudder-Angle Indicator. Zero is in the middle. The pointer is a couple degrees left of zero, showing that the Helm is correcting course. The round indicator below that is thre Gyro Repeater (similar to a compass) showing what own ship’s course is. The indicators to the left and right are for the stern (left) and bow (right) planes. The bow planes are centered, so the boat is probably at ordered depth. The stern planes indicate a couple of degrees down, indicating the boat’s angle is probably a little bit up. Look at the vertical row of red LEDs. Sure enough, there’s about a 2-degree up-bubble, and the stern planseman is correcting it.Scanning down the picture, the four red screens are digital representations of all of the information each mechanical indicator shows. Side-note, look to the right of the Helm’s right panel. There are two indicators. “TB-16 STOWED” is lit of the TB-16 Towed Sonar Array is stowed in it’s tube. “FWA STOWED” is if the VLF Floating Wire Antenna is stowed. That’s important information, because if one or both are streamed, ship’s maneuvers are limited a little, to prevent causing damage or loosing one. For example, if you go fast and make a sudden turn, you could drag a towed array into the boat’s screw (CHOP CHOP CHOP!).To the left of the stern-planesman’s panels is the right edge of the BCP. See the four colored squares? Those are the operating switches for the four Ship’s Alarms. Diving (green), Collision (red), General (yellow) and Missile Emergency (pink).To the left of those are the controls for ballast, missiles, etc. Looking at the caption under the picture, I said it was for an SSN. How did I know? Look to the left, at the top. There is a row of red (or dim) missile-like indicators. There are twelve. Older SSNs have 12 Vertical Launch System (VLS) missile tubes. SSBN’s have a similar display, but they have 24 tubes. The COW monitors what happens to those missile tubes.Below that are the panels used to move water. For example, the DOOW might order “Chief Of the Watch, pump five thousand pounds from forward trim to after trim.” The COW will select the switches to open the valve to connect the Forward Trim Tank to the trim system suction line, the After Trim Tank to the trim system discharge line, start the Trim Pump, and adjust its speed to the appropriate level. He will watch the quantity indicator to see how much water is being pumped, and watch the Forward and after Trim Tank level indicators to ensure that one tank’s level is going down, and the other tank’s level is going up. If those three don’t match, what’s expected, either the COW messed up (likely) or there’s a problem in the system (unlikely). If, for example, the COW mistakenly selected water to go to an auxiliary tank by mistake, and the tank was full, then all the excess water would spill out of the tank’s vent, into the bilge, making the Auxiliaryman Of the Watch very upset (he has a mess to clean up, and needs to pump bilges soon).That’s how the front half of a submarine is operated. There are other forward watch-standers, of course. For example, also in the Control Room is the Quartermaster Of the Watch (QMOW), who maintains the navigational chart and makes Ship Log entries and the Fire Control Technician Of the Watch (FTOW) who tracks all contacts (ships), prepares Fire Solutions (potential weapon orders), and controls tactical weapons (torpedoes and cruise missiles). There’s an Auxiliary Of the Watch (operates miscellaneous forward engineering equipment, like the Emergency Generator, and makes continuous tours of the forward half of the boat, looking for problems (like leaks and flooding), the Sonar team (in Sonar), the Radio team, (in Radio) the Navigation (inertial navigation) Team (in the Nav Center), the Torpedoman Of the Watch (in the Torpedo Room) and, if an SSBN, the Missile Team (in the Missile Control Center).And then, there’s Engineering. These are the guys who push us through the water and keep us alive (Literally. They maintain the atmosphere and make fresh water. Without oxygen and water, everybody dies).The control of all of this is in the Maneuvering Room, a small place with three watchstanders. This place is so important, that the entrance has a chain across it, and you have to request permission to enter (“Request Permission to Enter Maneuvering!” “Permission Granted!”)Engineering plant controls. The three panels, left-to-right, are for the Steam Plant (making and using steam), Electrical Plant (making and routing electricity) and Reactor Plant (using neutrons to make heat and boil water).The two silver wheels are the main engine throttles (ahead and astern). When the Helmsman make and engine order on the Engine Order Telegraph, this is the one who acknowledges it, and then turns the throttle wheel enough to attain the required screw RPM. He watches meters to ensure the steam generators are operating properly.The controls for the Electrical Plant, route electricity to the two electrical busses, to/from the DC motor-generators, to from the ship’s battery, and from the Emergency Diesel Generator.The Reactor Plant controls keep everything adjusted to keep the reactor operating safely.More details than that are classified, and I’m not qualified to answer them, anyway. I’m not a nuke. They go to two years of school, just to know enough to control the thing. That’s two years of over 60 hours per week of classroom and lab training. That would be like doing a four-year degree in 18 months.In addition to the three operators, there’s an officer supervisor, called the Engineering Officer Of the Watch (EOOW). He’s in charge of everything Engineering, reporting to, and receiving orders from, the OOD. Orders are oral using the Ship Control MC (PA).There are several other watchstanders in the Engine Room, including the Engine Room Supervisor (A CPO) and operators of several vital pieces of equipment, such as the Hydraulic Plant, High Pressure Air Compressors, and the Fresh Water Evaporator.In the Auxiliary Machinery Room, the vital equipment includes the Oxygen Generator(s) (SSBN’s have two), which make oxygen out of distilled water, CO2 Scrubbers, which remove CO2 from the air, and CO/H2 Burners, which remove carbon monoxide, hydrogen, and hydrocarbons from the air.Oxygen Generator.CO2 Scrubber.CO/H2 Burner.Somebody said it takes a team to operate a submarine. Not counting cooks, it takes about 35-40 people, per shift, to do it on an SSN. Even more, for an SSBN with ballistic missiles.And that’s not just a bunch of people with individual skills, like in the civilian world. In a factory, for example, you have different people doing different jobs. Nobody knows, or cares, what the other people do.Not only do we know what everybody else does, but we also cross-train, so if something happens, somebody else can do the job and, in an emergency, we can help to fight the casualty.For example, if I’m in the Engine Room and there’s a steam leak, perhaps, if somebody yells at me to shut the Main Steam Stop valves, I can run and do it, even though I’m NOT an engineering guy.If there’s a nuke (engineering guy) standing around, and somebody yells at him to manually override the valve to raise the snorkel mast, he can run and DO it, even though hes not an A-ganger.If there’s a cook in the Missile Compartment and he hears the announcement “Rig Ship to Ventilate” and the watchstander needs help, he can take the checklist and operate the correct valves and dampers.There’s nothing like that in the civilian world, or even in the rest of the Navy, with the possible exception of Enlisted Surface Warfare Specialist (ESWS). I almost qualified for that, the first year it was available, but was transferred to the submarine fleet before I finished.The powers-that-be were mad at me for volunteering for subs, and wouldn’t let me finish. I made it as far as Inport Repair Locker Leader, as an STG3. All that was left was Sonar Supervisor.If you’re really interested in the theory behind everything, read the books available at the San Francisco Maritime National Park Association web site.