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Terms Of UseRESTAURANT OWNERSThis Restaurant Agreement (the "Agreement") constitutes a legally binding agreement made between you, whether personally or on behalf of an entity (the "Restaurant"), and MealHi5 LLC. and its affiliates (collectively, "MealHi5"), regarding the Restaurant's use of MealHi5' website, currently located at Places To Order Meals & Takeaway Restaurant Food Delivery Online (including the webpages contained or hyperlinked therein and owned or controlled by MealHi5, the "Website"), and the Restaurant's inclusion in applicable services provided by MealHi5 via the Website (as determined by MealHi5 from time to time and in its sole and absolute discretion) and such other media or media channels, devices, software, or technologies as MealHi5 may choose from time to time (the "MealHi5 Services").RESTAURANT MENUThe Restaurant agrees to provide, and thereafter maintain and promptly update for so long as the Restaurant this Agreement is effective, true, accurate, current and complete information regarding the Restaurant as is requested during the Restaurant's registration process via the Website (the "Registration Process").MealHi5 may perform a variety of marketing activities to promote the Restaurant and the Restaurant's menu, many of which are described on the Website; provided, however, that all such marketing activities will be determined in MealHi5Hour's sole and absolute discretion and the Website may be changed, without notice and from time to time, to reflect any such changes.The Restaurant will provide MealHi5 with the Restaurant's current menu, and any updates, changes, or modifications thereto (the "Restaurant Menu"), in such format as is requested by MealHi5 (collectively, the "Marketing Materials") for MealHi5' inclusion in the Website and the MealHi5 Services or for any marketing or advertising activities undertaken by MealHi5, in its sole and absolute discretion (the "MealHi5 Marketing Activities"). The Restaurant hereby grants to MealHi5 a non-exclusive, transferable, royalty-free, fully-paid, worldwide license, to use, copy, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part), and distribute such Marketing Materials, including any trademarks, trade names, service marks, logos, telephone numbers, and addresses therein, for any purpose, including marketing, commercial, advertising, promotional activities or otherwise, and with a right to sublicense, in connection with the Website, the MealHi5 Services, or the MealHi5 Marketing Activities; and, in connection with MealHi5' exercise of the license rights granted by the Restaurant, MealHi5 may prepare derivative works of, or incorporate into other works, all or any portion of the Marketing Materials. The license rights granted hereby will apply to any form, media, or technology now known or hereafter developed. MealHi5 does not assert any ownership over the Marketing Materials; rather, as between MealHi5 and the Restaurant, and subject to the rights granted to MealHi5 herein, the Restaurant shall be the owner of its Marketing Materials and the intellectual property rights associated thereto.We do take customer satisfaction very seriously and, in addition to contacting the applicable Restaurant directly, we ask that you notify MealHi5 of all complaints or concerns that you might have regarding the Restaurants.ORDERSThe Restaurant acknowledges and agrees that the end-user customers of the MealHi5 Services (the "Customers") may place orders with the Restaurant, through the MealHi5 Website or other media or media channels, devices, software, or technologies as may be included within the MealHi5 Services, for the food and beverages, and pick-up and/or delivery services in connection therewith, as is set forth on the Restaurant Menu (the "Customer Orders"). Upon placement of such a Customer Order, MealHi5 will send written confirmation thereof to the Restaurant via the fax number or email address currently in the Restaurant's Website account information or via such other delivery method as MealHi5 and the Restaurant may agree upon (the "Order Confirmation"), and which Order Confirmation contains a confirmation code for the Customer Order. MealHi5 currently follows the Order Confirmation with an automatic telephone call (the "Phone Confirmation"), which requests that the Restaurant confirm receipt of the Order Confirmation by entering the Customer Order's confirmation code; these Phone Confirmations may be recorded, and the Restaurant hereby consents to such recording (and will notify all of its employees and service providers that receive the Phone Confirmations that the call may be recorded).When the Restaurant provides a Customer with the applicable Customer Order (either via pick-up or delivery), the Restaurant agrees to have the Customer sign the MealHi5 Order Receipt Form. The Restaurant agrees to keep a copy of each signed Order Receipt Form for at least 3 months following the date of the applicable Customer Order, and the Restaurant will promptly deliver to MealHi5 copies of these executed Order Receipt Form upon request by MealHi5.PAYMENTMealHi5 Services currently allow a Customer to pay for a Customer Order via credit card, PayPal®, or through payment directly to the Restaurant. If the Customer Order is paid via credit card or PayPal, the full purchase price for such Customer Order, including sales and any other applicable taxes, shall be processed and received by MealHi5 and, at least once per calendar month, MealHi5 will deliver to the Restaurant the aggregate purchase price of all Customer Orders applicable to the Restaurant that were so processed by MealHi5, less MealHi5' commission percentage (the "Commission Percentage") and the applicable credit card merchant payment processing fee, via direct bank deposit or check (the "Processing Fee"). The applicable Commission Percentage and Processing Fee are set below. If the Customer Order is to be paid directly to the Restaurant, then, at least once per calendar month, MealHi5 may invoice the Restaurant for the Commission Percentage due on applicable Customer Orders, and the Restaurant shall pay such invoice within fifteen days of receipt; payment shall be made within 15 days of receipt of the applicable invoice and via either credit card or check at MealHi5' sole and absolute discretion. Late payments will bear interest at a rate equal to the lesser of one percent (1%) per month (or portion thereof) or the maximum interest rate otherwise permitted by applicable law.COMMISSION PERCENTAGEThe Commission Percentage shall mean 10% of Restaurant's Net Sales, as defined below. "Net Sales" means the gross amount charged by Restaurant to any customer that is attributable to any order through the MealHi5 Service, less all: (a) taxes (e.g., sales) other than taxes based upon Company’s net income, (b) gratuities, and (c) amounts allowed or credited due to returns.PROCESSING FEEThe following table sets forth the applicable Processing Fee for all permitted credit card merchants :PAYPAL4%PARTNER CREDIT4%MASTER CARD4%VISA4%AMERICAN EXPRESS4%DISCOVER4%TAXESNotwithstanding anything to the contrary herein, the Restaurant is, and will be, responsible for all taxes, payments, fees, and any other liabilities associated with the computation, payment, and collection of taxes in connection with Customer Orders and the Restaurant's use of the Website and the MealHi5 Services. MealHi5 may charge and collect sales tax from Customers as an agent on behalf of the Restaurant in accordance with instructions provided by the Restaurant or applicable law; and, in which case, MealHi5 will collect such sales tax solely as an agent on behalf of the Restaurant and shall pay such amount collected to the Restaurant (or as may be otherwise required by applicable law). The Restaurant shall be solely responsible for verifying amounts collected, filing the appropriate tax returns, and remitting the proper amount to the appropriate taxing authorities. Sales tax shall include any sales, use, privilege, gross receipts, restaurant, excise, or other tax due in relation to the sale of food and beverages, including pick-up and delivery services (if applicable), by the Restaurant.CASH COUPONSCash Coupons are a great way for Restaurant to increase sales and promote its Restaurant on MealHi5. Cash Coupons give Customers with valid MealHi5 accounts the ability to receive discount credits (not cash) on future purchases from participating Cash Coupon restaurants. The Cash Coupons accrue in the Customer's account until (i) they expire thirty (30) days from the order date, (ii) they are applied against a future order with a participating restaurant or (iii) the Customer's account is closed.Restaurant selects the discount percent amount to be applied to the Customers' Cash Coupons in the Restaurant's administration account page, which may be modified at any time. When a Customer places a Customer Order, the discount percent is applied against the amount owed by Customer for the Customer Order (the "Discount Amount") and added as a credit to the Customer's Cash Coupon account. MealHi5 automatically deducts the Discount Amount from the amount otherwise payable to the Restaurant for that Customer Order. When a Customer places another Customer Order with Restaurant within the next thirty (30) days, Restaurant will receive its normal share of the revenue, unless the Restaurant remains enrolled in the Cash Coupon program and another Discount Amount is applied.The individual and monthly total Cash Coupon reports are available on the Restaurant account page. Restaurant may terminate its participation in the Cash Coupon program at any time without penalty or cost on the Restaurant's account page. The Cash Coupons have no cash value and are not transferable, unless otherwise required by law.RESTAURANT REPRESENTATIONS, WARRANTS, AND COVENANTSThe Restaurant hereby represents, warrants, and covenants that:a. the prices charged to Customers through the MealHi5 Services will not be higher than those charged to any customers that place orders directly with the Restaurant;b. it will comply, and prepare, sell, market, and provide all foods in strict compliance, with all federal, state, and local laws, rules, regulations, and standards pertaining to food preparation, sale, marketing, safety, and as otherwise applicable to the Restaurant's operation of its business.c. it will not offer for sale any potentially hazardous food, alcoholic beverage, tobacco product, or any other item prohibited by law or by MealHi5' then-current policies;d. it bears all risks to persons and property arising from its (or its employees' or service providers') contact therewith, and waives, and agrees to indemnify MealHi5 for, any and all claims relating thereto against MealHi5.e. the creation, distribution, transmission, public display and performance, accessing, downloading and copying of the Restaurant's Marketing Materials pursuant to the license rights granted to MealHi5 by this Agreement does not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret or moral rights of any third party; andf. The Restaurant's Marketing Materials do not violate any state or federal law, rule, or regulation applicable thereto, including with respect to electronic advertising.MEALHI5 CONTENTExcluding the Marketing Materials, all of the content on the Website and included in the MealHi5 Services (including without limitation, all source code, databases, functionality, software, website designs, audio, video, text, photographs and graphics, the "MealHi5 Content"), including the trademarks, service marks and logos contained therein ("Marks"), are owned by or licensed to MealHi5, and are subject to copyright and other intellectual property rights under United States and foreign laws and international conventions. All MealHi5 graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks, common law trademarks or trade dress of MealHi5 in the U.S. and/or other countries. MealHi5' trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of MealHi5. The Restaurant agrees not to circumvent, disable or otherwise interfere with any security related features of the Website or the MealHi5 Services, or any other features that seeks to either prevent or restrict the use or copying of any MealHi5 Content or enforce limitations on use of the Website, the MealHi5 Services, or the MealHi5 Content therein.CUSTOMER DATA"Customer Data" means any and all identifiable information about purchasers generated or collected by MealHi5 or the Restaurant, including, but not limited to, purchasers'name, shipping addresses, email addresses, phone numbers, and purchaser preferences and tendencies; and the Restaurant agrees that the Restaurant will only use the Customer Data in fulfilling the applicable Customer Order and in complying with the Restaurant's obligations in this Agreement, and the Restaurant agrees that Customer Data will not be used to enhance any file or list of the Restaurant or any third party. The Restaurant represents, warrants, and covenants that it will not resell, broker or otherwise disclose any Customer Data to any third party, in whole or in part, for any purpose whatsoever. The Restaurant agrees that it will not copy or otherwise reproduce any Customer Data other than for the purpose of fulfilling the applicable Customer Order. The Restaurant (and any other persons to whom the Restaurant provides any Customer Data) will implement and comply with reasonable security measures in protecting, handling, and securing the Customer Data. If any Customer Data is collected by the Restaurant (or otherwise on its behalf), the Restaurant shall ensure that it (and any applicable third parties) adopt, post, and processes the Customer Data in conformity with an appropriate and customary privacy policy.For purposes of this Agreement, the restrictions set forth herein on the Restaurant's use of Customer Data do not apply to: (a) data from any customer who was a customer of Restaurant prior to the Restaurant using the Website or the MealHi5 Services, but only with respect to data that was so previously provided to the Restaurant by such customer; or (b) data supplied by a customer directly to the Restaurant who becomes a customer of the Restaurant and who explicitly opts in to receive communications from the Restaurant for the purposes for which such Customer Data will be used by Merchant; and, provided in all cases, that the Restaurant handles and uses such Customer Data in compliance with applicable Laws and the Restaurant's posted privacy policy.TERM AND TERMINATIONThis Agreement is effective upon the Restaurant's initial Registration Process and will remain in full force and effect for so long as the Restaurant is included on the Website as part of the MealHi5 Services. Either MealHi5 and the Restaurant may terminate this Agreement any time, for any reason, with or without notice by providing written notice to the other. Neither party shall have any liability to the other party for damages suffered by a party as the result of any such termination. MealHi5 will, as soon as practicable following such termination (or notice thereof, if terminated by the Restaurant), remove the Restaurant from inclusion in the MealHi5 Services and the Website.Upon termination, each party shall promptly pay to the other any outstanding amounts owed for applicable Customer Orders prior to such termination. Any provisions of this Agreement that, in order to fulfill the purposes of such provisions, need to survive the termination or expiration of this Agreement, shall be deemed to survive for as long as necessary to fulfill such purposes.DISPUTESIf there is a dispute between the Restaurant and a Customer, the Restaurant understands and agrees that MealHi5 is under no obligation with respect thereto, and the Restaurant, to the fullest extent permitted by law, hereby releases MealHi5 and its affiliates, and each of their respective officers, directors, employees, service providers, affiliates, agents, and successors from, and agrees to indemnify each of the foregoing for any losses incurred in connection with, any and all claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes and/or the MealHi5 Services.All questions of law, rights, and remedies regarding any act, event or occurrence undertaken pursuant or relating to this Agreement, the Website, or the MealHi5 Services shall be governed and construed by the law of the State of Delaware, excluding such state's conflicts of law rules. Any legal action of whatever nature by or against MealHi5 arising out of or related in any respect to this Agreement, the Website, or the MealHi5 Services shall be brought solely in the applicable federal or state courts located in or with jurisdiction over Delaware, and the Restaurant hereby agrees to such venue as the sole and exclusive venue for the resolution of any disputes with MealHi5 subject, however, to the right of MealHi5, at MealHi5' sole discretion, to bring an action to seek injunctive relief to enforce this Agreement or to stop or prevent an infringement of proprietary or other third party rights (or any similar cause of action) in any applicable court in any jurisdiction where jurisdiction exists with regard to a user. The Restaurant hereby consents to (and waive any challenge or objection to) personal jurisdiction and venue in the above-referenced courts. Application of the United Nations Convention on Contracts for the International Sale of Goods is excluded from this Agreement. Additionally, application of the Uniform Computer Information Transaction Act (UCITA) is excluded from this Agreement. In no event shall any claim, action or proceeding by the Restaurant related in any way to this Agreement, the Website, or the MealHi5 Services be instituted more than two (2) years after the cause of action first arose.DISCLAIMERSTO THE FULLEST EXTENT PERMITTED BY LAW, MEALHI5 AND ITS AFFILITES, AND EACH OF THEIR RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THIS AGREEMENT, THE WEBSITE AND THE MEALHI5 SERVICES AND ANY USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. MEALHI5 MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE WEBSITE'S OR THE MEALHI5 SERVICES' CONTENT OR THE CONTENT OF ANY OTHER WEBSITES LINKED TO THE WEBSITE, AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (A) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (B) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM THE RESTAURANT'S ACCESS TO AND USE OF THE WEBSITE AND THE MEALHI5 SERVICES, (C) ANY UNAUTHORIZED ACCESS TO OR USE OF MEALHI5' SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (D) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE OR OTHERWISE WITH RESPECT TO THE MEALHI5 SERVICES, (E) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE WEBSITE OR THE MEALHI5 SERVICES BY ANY THIRD PARTY, AND/OR (F) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE OR THE MEALHI5 SERVICES.LIMITATIONS OF LIABILITYIN NO EVENT SHALL MEALHI5 OR ITS AFFILIATES OR EACH OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, SERVICE PROVIDERS, AFFILIATES, OR AGENTS BE LIABLE TO RESTAURANT OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT DAMAGES ARISING FROM THE WEBSITE OR THE MEALHI5 SERVICES, EVEN IF MEALHI5 HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, AND TO THE FULLEST EXTENT PERMITTED BY LAW, MEALHI5' LIABILITY TO RESTAURANT FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY THE RESTAURANT TO MEALHI5 FOR THE MEALHI5 SERVICES DURING THE PERIOD OF 3 MONTHS PRIOR TO ANY CAUSE OF ACTION FIRST ARISING.CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO THE RESTAURANT, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO THE RESTAURANT, AND THE RESTAURANT MAY HAVE ADDITIONAL RIGHTS.IF THE RESTAURANT IS A DELAWARE RESIDENT, THE RESTAURANT WAIVES DELAWARE CIVIL CODE SECTION 1542, WHICH SAYS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."INDEMNITYThe Restaurant hereby agrees to defend, indemnify and hold MealHi5 and its affiliates, and each of their respective directors, officers, employees, services providers, and agents (collectively, the "MealHi5 Indemnitees") harmless from and against, any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any party due to or arising out of the Restaurant's Marketing Materials, the Website, the MealHi5 Services, or any breach by the Restaurant of this Agreement. Notwithstanding the foregoing, MealHi5 reserves the right, at the Restaurant's expense, to assume the exclusive defense and control of any matter for which the Restaurant may be required to indemnify an MealHi5 Indemnitee, and the Restaurant agree to cooperate, at the Restaurant's expense, with MealHi5' defense of such claims. MealHi5 will use reasonable efforts to notify the Restaurant of any such claim, action, or proceeding which may be subject to this indemnification upon MealHi5 becoming thereof.INSURANCEThe Restaurant shall at all times maintain comprehensive public liability insurance (which may be under a blanket policy), issued by a licensed insurer rated A+10 or better in "Best's Insurance Guide", insuring the Restaurant against any liability arising out the lease, use, occupancy of maintenance of its premises and all areas appurtenant thereto and the operation of the business, which will have a limit of not less than $2,000,000 combined single limit for injury to, or death of, one or more persons per occurrence, and for damage to tangible property per occurrence.NOTICESExcept as explicitly stated otherwise, any notices given to MealHi5 shall be given by email to [email protected]. Any notices given to the Restaurant shall be to the email address provided during the Registration Process (or as such information may be updated via the Website by Restaurant from time to time) provided, however, that MealHi5 may also give notices via regular mail.Additionally, the Restaurant may contact MealHi5 at the address, fax, and telephone number provided below (as may be updated by MealHi5 from time to time) with respect to any complaint regarding the MealHi5 Services or to receive further information regarding the MealHi5 Services.Places To Order Meals & Takeaway Restaurant Food Delivery Online Email: [email protected] Phone: 855-242-0424MISCELLANEOUSThis Agreement constitutes the entire agreement between the Restaurant and MealHi5 regarding the use of the MealHi5 Services provided, further, that the Restaurant's use of and access to the Website and the MealHi5 Services shall also be subject to the Term of Use. The failure of MealHi5 to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. The section titles in this Agreement are for convenience only and have no legal or contractual effect. This Agreement and the Restaurant's account with MealHi5 (including the Website and the MealHi5 Services) may not be assigned by the Restaurant without MealHi5' express written consent. MealHi5 may assign any or all of its rights and obligations to others at any time. If any provision or part of a provision of this Agreement is unlawful, void or unenforceable, that provision or part of the provision is deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.MODIFICATIONSMealHi5 may modify this Agreement from time to time, and any such changes will (i) be reflected on the Website, (ii) be effective 30 calendar days after being so posted on the Website, (iii) not apply retroactively, and (iv) not apply to any disputes arising prior to the effective date of such change. The Restaurant agrees to be bound to any such changes and understands the importance of regularly reviewing this Agreement as updated on the Website to keeping the Restaurant's contact information (as indicated in the Restaurant's account details via the Website) current.Notwithstanding anything to the contrary herein, MealHi5 reserves the right to, at any time and from time to time, change, alter, modify, suspend, discontinue, or otherwise amend, temporarily or permanently, the Website and the MealHi5 Services (or any part thereof) with or without notice. The Restaurant agrees that MealHi5 shall have no liability to the Restaurant or to any third party for any change, alteration, modification, suspension, discontinuance, or amendment of the Website or the MealHi5 Services.

This 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 Services (defined below). The terms and conditions are 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 and/or uninstall the mobile application.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. Your continued use of PhonePe App 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.USING PHONEPE APP INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS UNDER THESE TERMS OF USE, SO PLEASE READ THE TERMS OF USE CAREFULLY BEFORE PROCEEDING. By impliedly or expressly accepting these Terms of Use, You also accept and agree to be bound by PhonePe and PhonePe Entity Policies (including but not limited to Privacy Policy) available on the PhonePe website(s) and PhonePe App(s) as amended from time to time.Definition“We”, “Us”, “Our” - shall refer to PhonePe and PhonePe Entities.“You”, “Yours”, “Yourself”, “PhonePe User” - refers to any non-registered individual or corporate body, registered user of PhonePe and PhonePe Entities, including but not limited to PhonePe customers or Merchants.“PhonePe App” - The mobile application(s), hosted by PhonePe and PhonePe Entities for providing PhonePe services to its users, including merchants and service providers and also includes any and all Services where it acts as an Intermediary .“PhonePe Website” - Shall refer to PhonePe • UPI • India's Payments App (PhonePe • UPI • India's Payments App) , which is registered by PhonePe and used as a medium to communicate and inform users of services provided by PhonePe and PhonePe Entities, not limiting to its features, terms and conditions, Our contact details.“PhonePe Entities” - shall mean group, affiliates, associates and subsidiaries of PhonePe.‘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 interface/ access including others.“Service Providers” – Refers to any individual, group of individuals defined under law whose services are used by PhonePe or PhonePe Entities in order to provide the intended Services to You through PhonePe Platform.“Business Partners” – Shall refer to any individual, group of individuals defined under law with whom PhonePe or PhonePe Entities have a contractual relationship and not limited to Merchants, Advertisers, Deal partners, Financial institutions, switch interface partners“Participating Platforms / Merchant Partners” - Websites and Platforms that accepts permitted PhonePe Services to make a payment against products or services offered by such platforms.“Terms of use”/”Terms and Conditions” - are interchangeably used and shall have the same meaning.EligibilityBy accessing PhonePe Service and PhonePe Platforms, You represent that:-You are 18 years of age or older;You are capable of entering into a contract /legally binding agreement;You have the right, authority and capability to enter into this Agreement abiding by all the provisions of the “terms of use” of PhonePe Services.You are not barred or otherwise legally prohibited from accessing or using services of PhonePe or PhonePe Entities under the laws of India.You are not impersonating any person or entity, or falsely stating your age or affiliation with any person or entity. PhonePe and PhonePe Entities shall reserve the right to terminate your contract to use PhonePe Platform in case of any incorrect representation of the above-mentioned conditions.The mandatory information and Officially valid document(s) “OVD”/ document details mentioned by you are true & correct and belong to You.Terms of ServicePhonePe is a payment solution which facilitates payments and acts as such by creating, hosting, maintaining and providing Services to you via the Internet. PhonePe provides its Services to customers through 'PhonePe' mobile payments application (“PhonePe App”), which acts as a container for various payment instruments including but not limited to Wallet. Debit/Credit card, Unified Payment Interface (“BHIM UPI”)and External Wallets (hereinafter collectively referred to as “Services”). PhonePe provides its Services to businesses by enabling them to accept payments and services from its customers for the products and/or services on their platform via PhonePe App.PhonePe facilitates payments and services in connection with online transactions for products or services concluded on and through the PhonePe App and website, or any third party merchant app, website, physical store or any individual both within and outside the PhonePe network.By using the Services, you acknowledge and agree that PhonePe is not a bank and the Services should in no way be construed as the provision of banking services.PhonePe ServicesPhonePe and PhonePe Entities provide services via PhonePe Platform. You further agree and acknowledge the terms of use of PhonePe Services provided on PhonePe Platform.PhonePe Account (“PA”) - PhonePe Account is the account that you create when you sign-up/register with PhonePe.This account allows you to access PhonePe Platform, browse through the PhonePe Service, make payment using debit card, credit cards or net banking collectively known as (‘Payment Gateway Services’) to permissible merchants on PhonePe Platform or on Participating Platforms.You can also avail Recharge & Bill Payment facility made available to PhonePe Users under the Terms of Use of such Service.You would need to register by providing additional information in order to make payment via Unified Payment Interface (“UPI”) and Pre-Paid Instruments (“PPI”) services to make payments to merchants using these modes of payments.Access to PA enables you to browse through PhonePe Services provided by PhonePe Entities and in order to avail, enroll or use any such Service you may need to additionally register for such services by providing some more information as required under the Terms of Use of such products/services.Allows you to store your card details within our secure PCI-DSS zone for use of transactions.Allows you to share and maintain the Know Your Customer “KYC” details and information for underwriting purposes for other financial and non-financial products available on PhonePe App as Services illustrated below:PhonePe Pre-Paid Instrument (“PPI”, “PhonePe Wallet”) & PhonePe Gift Card (“eGV”)Bhim PhonePe UPI (“UPI” - Unified Payment Interface)External Wallets (“EW”)Purchase and redemption of Mutual Funds UnitsInsurance SolicitationRecharge & Bill Payments (“RBP”)Merchant Payments on PhonePe Platform (“Switch Merchants”)Any other financial product/feature that is provided on PhonePe or PhonePe entities platform, subject to regulatory provisions and permitted by PhonePe.PhonePe Pre-Paid Instrument (“PPI”, “PhonePe Wallet”) & PhonePe Gift Card (“eGV”) ; These are Payment Instruments issued by PhonePe as per Reserve Bank of India (“RBI”) directives.Bhim PhonePe UPI (“UPI – Unified Payment Interface”) ; Enables Your to make payment to a merchant or any person as permitted through Your Bank account using the UPI ecosystem.Mutual Fund distribution (“MFD”); enables You to rise request for purchase and redemption of Your Mutual Fund units.Insurance Solicitation; enables You to solicitate insurance as per Your needs.External Wallets (“EW”) ; enables You to use another authorized Payment Instrument (PPI) to make payment for goods and services on PhonePe Platform.Recharge & Bill Payments (“RBP”) ; enables You to pay Your bills or recharge Your account with listed service providers on PhonePe Platform.Merchant Payments on PhonePe Platform (“Switch Merchants”) ; Our in-app service that enables You to access merchant websites/application within PhonePe mobile application and use PhonePe or any other Payment Instruments provided by such merchants.You further agree to PhonePe Privacy Policy as applicable for PhonePe and PhonePe Entities.In order to avail PhonePe Services, you need a mobile, internet or any other supported device that meets the compatibility requirements of accessing PhonePe app and PhonePe website, which may change from time to time. PhonePe may further release updates to its application and You are required to update the PhonePe app as and when available for you, in order to continue availing PhonePe Services.You agree that your mobile device, mobile service provider or any other services that you may avail from anybody to access PhonePe Platform, may incur charges and you are solely responsible for such charges, terms of use, fees as per your agreement with the third party.Sign-Up / RegistrationIn order to use the full spectrum of PhonePe Services, You need to register on the PhonePe App and provide Us with accurate and complete information. You are also required to keep your accounts, KYC details and contact information complete and updated at all times.Once you sign-up on PhonePe, you are entitled to a Phone Account. You can also register with PhonePe from any third party merchant platform subject to certain conditions and limitations available on PhonePe website & application. Once registered with PhonePe, certain services may ask you for additional information in order or avail such service and may involve creation of sub-accounts for availing such services.The device on which You download PhonePe App and use during registration, shall become Your registered device and device details shall be stored by us. The moment You log into your PhonePe account from a different device using the PhonePe app, You will be asked to allow PhonePe to send an SMS from the new device, after which the new device becomes the registered device. You will not be able to access your PhonePe account using your previous device until you re-login and re-authorize yourself on that device.Your conduct on Website(s) and Application(s)In order to access PhonePe Services, you are required to provide information about yourself as part of the signup process, or as part of your ability to use services provided by Us. You agree that any information you provide will always be accurate, correct, and up to date and some services may require you to share additional information which might include your personal information, personal sensitive information. Your information management shall be as per PhonePe Privacy Policy .You shall promptly inform PhonePe of any unauthorized usage of your PhonePe Wallet or loss of mobile device and any other circumstances which may lead to unauthorized usage of your PhonePe Account. The responsibility of any transaction prior to intimation, will solely be on the registered User;You understand that while availing services offered by Merchants and your payment to merchants using any of PhonePe Services (Prepaid PhonePe Wallets, eGVs, Unified Payment Interface, Payment Gateway), you understand that we are not a party to the contract between you and the Merchant and act only as an Intermediary ( IT Act 2000). PhonePe does not endorse any advertiser or Merchant linked to its website or app. Furthermore, PhonePe is 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 you with the Merchant. It is clarified that PhonePe shall not be responsible or liable for any deficiency in goods and/or services purchased using PhonePe Wallet balance. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.You agree that in case any amount is transferred erroneously by You to any Merchant, Participating Platforms or any other person, PhonePe shall not be liable to refund such amount to You under any circumstances.You further agree that 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.You agree that if You provide any information that is incorrect, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is incorrect, inaccurate, not current or incomplete, or not in accordance with the this Terms of Use, We shall have the right to indefinitely suspend or terminate or block access PhonePe Platform and/or take necessary steps in accordance with applicable Law without any further notice.You are responsible for maintaining the confidentiality of any login information and secure access credentials associated with your PhonePe account. Accordingly, you are responsible for all activities that occur under your account/is using your secure credentials and PhonePe shall not be liable for any such change or action performed by using your secure credentials on PhonePe Platform.Attempting to access PhonePe Platform using any other means apart from ones provided by Us is strictly prohibited and shall be deemed unauthorized access, whether attempted or accessed through any automated, unethical or unconventional means. Further you should not directly or indirectly engage in any activity using device, software or any routine process that disrupts or interferes with our ability to service you or any other user(s) on PhonePe Platform, including the servers and/or networks to which our resources are located or connected. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by You, as explained above, and may incur criminal or civil liability.You shall not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual or digital process, to access, acquire, copy or monitor any portion of the PhonePe Platform or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the PhonePe Platform or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the PhonePe Platform.You shall not probe, scan or test the vulnerability of the PhonePe Platform or any network connected to the Us, You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to PhonePe Platform, or any other customer, including any account on the PhonePe Platform not owned by You, or exploit the PhonePe Platform or any PhonePe Service or information made available or offered by or through the PhonePe Platform, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the PhonePe Platform.You further agree that -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.Agree to receive all commercial messages including transactional messages from PhonePe/ Merchant.To use the PhonePe Services in good faith and in compliance with all applicable laws and regulations.You would 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 online transactions.ensure that the PhonePe Services are not used for transactions in foreign currency, unless permitted for any PhonePe Service.Single Sign On (SSO)By registering and signing into PhonePe Account, We create an username and secure access credentials for You to access PhonePe services on PhonePe Platform and other participating platforms. For convenience, PhonePe creates Single Sign On Service (P-SSO), which helps you access PhonePe Services available on PhonePe Platform and other participating platforms.You understand that P-SSO will be used to register and access PhonePe Services and the credentials you share as part of the registration process would be owned and managed by PhonePe and will be shared with PhonePe Entities upon Your request or simply by accessing any PhonePe Services provided by them.P-SSO, with your authorization can be used to access or register on the switch interface with “Switch Merchants”, However, your secure credentials would not be shared with any “Switch Merchants”. You can use your P-SSO in order to access your PhonePe Account or pay using permissible PhonePe Services on participating platforms without logging into your PhonePe App.You further agree that PhonePe shall share some limited information provided by you except your secure access credentials to participating platforms as necessary for P-SSO login at participating platforms.You shall not share the P-SSO credentials with any third party website, portal, person over any communication medium and you understand that your PhonePe account can be misused due to unauthorized disclosure of P-SSO.You hereby agree and acknowledge that in the event of non- compliance of the Terms of Use for usage and access to Single-Sign-On Services, PhonePe has the right to terminate Your access or access usage limits on Phone account and services without further notice.Third Party terms and conditionsPhonePe and PhonePe Entities, may provide third party services via PhonePe Platform. 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. 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.If there is any conflict between the English version and another language version of this Agreement, the English version shall prevail.Terms of Use of SwitchWhen you opt to use third party Apps ("Partner Apps") hosted on PhonePe Switch and login to the Partner App upon being redirected from the PhonePe App you understand that your use of the Partner App as well your purchase of products and services on the Partner App shall be governed by the respective Partners Apps' Terms & Conditions.While using any of the Partner Apps, you might see a prompt mentioning that the concerned third party Partner is requesting for users' personal details, to enable one-click login. Upon clicking on the 'Login' button on the Partner App, you explicitly provide consent to PhonePe sharing your details with the Partner. Once you consent to this, you would be registered as a customer/user of the concerned Partner App and you are required to review the Partner's Terms and Conditions to understand how it uses and processes your personal information.PhonePe's responsibility in relation to your use of PhonePe Switch shall be limited to processing your payments and settling to the third Party merchant. PhonePe shall bear no responsibility or liability whatsoever in respect of any matter arising from or in connection with products and/or services provided by the third party Partner. You shall direct any dispute or complaint in respect of the products and/or services to the relevant third party merchant. Additional Terms with respect to the specific promotional offer/campaign shall apply in addition to these Terms and Conditions.Terms of Use of PhonePe – Recharge & Pay BillsThese terms and conditions regulate the use of Recharge and Bill Pay services enabled 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”/ “we”/”us”/” our”). PhonePe has been authorized in this regard by the Reserve Bank of India (RBI) to issue semi closed PPI in accordance with the provisions of the Payment and Settlements Act, 2007 and the regulations and directions issued by RBI from time to timeBy proceeding to use of PhonePe Recharge & Pay Bills, you (“User”/ “you”/ “your”) signify your consent to be bound by these Terms of Use (hereinafter “Bill Pay T&Cs”) in addition to agreeing to the General PhonePe Terms and Conditions ( “General Terms” ) located at https://phonepe.com/en/terms.html (https://phonepe.com/en/terms.html) and Privacy Policy which is available at PhonePe - Privacy Policy (PhonePe - Privacy Policy). Whenever the context requires “User”/ “you”/”your” shall mean any natural or legal person who is a resident of India, at least 18 (eighteen) years of age who is eligible to contract within the meaning of the Indian Contract Act, 1872, is not an undischarged insolvent and has registered on the PhonePe App by accepting these Bill Pay T&Cs.By proceeding to use the PhonePe Services which includes Recharge & Pay Bills offerings of PhonePe, you shall be contracting with PhonePe and these Bill Pay T & Cs including all policies referenced herein will constitute your binding obligations, with PhonePe in connection with this offering.Further, the term "Merchants/ Billers’ shall include for the purpose of the Recharge & Pay Bills category any establishment and/or entity who is providing you utility services, payment services and accepts the PhonePe wallet, UPI, Debit Card/ Credit Card (‘ payment options’) as a payment method for online or offline purchase of utilities, payment services through an aggregator or a BBPO to whom you can make bill payment or recharge using PhonePe App.When you transact using the PhonePe App ( with any payment options ) for availing the Recharge & Pay Bills Services through the PhonePe App or on any Merchant website/ Merchant platform/ Merchant store, these Bill Pay T & Cs will be applicable to you in addition to the T&Cs of the respective Merchants.We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of PhonePe App 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 limited privilege to utilize the PhonePe App for Recharge & Bill Pay offering and other services that maybe offered through PhonePe App from time to time for payments, subscriptions, recharges, utility payments and any other recurring payments.USING THE PHONEPE RECHARGE & BILL PAY FEATURE IN THE PHONEPE APP INDICATES YOUR AGREEMENT TO ALL THE TERMS AND CONDITIONS. HENCE, PLEASE READ THESE TERMS CAREFULLY BEFORE PROCEEDING.By impliedly or expressly accepting the Recharge & Pay Bills T&Cs, you also agree and consent to be bound by all PhonePe Policies including the Privacy Policy.General Terms for Recharge & Pay Bills:Users may note that PhonePe is only a facilitator of payments and is not a party to the payments.PhonePe facilitates Recharge and Pay Bills services by allowing you to pay for the Mobile Post-paid, Prepaid Recharge and landline Phone Bill Payment, DTH and Subscription for Streaming Services Payment, Other Utility Payments like Electricity, LPG etc. Credit Card Payment, Insurance Premium Payment, Donate online, Internet broadband and Data card Bill Payment, Municipal Tax & Water Tax payment, School Fees payment, Toll Tax recharge (FasTag), Loan repayment and other services provided by PhonePe from time to time which are available under “Recharge and Pay Bills” section of Mobile APP through a) aggregators with whom PhonePe has a contract or b) through the Bharat Bill Payment Operating Unit (BBPOU) infrastructure where the Merchant is registered with NPCI for Bill payments.Setting up Recharge & Pay Bills:In order to make the recharge or bill payments you will have to provide the unique customer identity/ subscription identity number or bill number or registered mobile number, registered telephone number or such other identifier(s) which are required to fetch the payment/subscription due or bill value, subscription plan, due date, outstanding amount due and such other information necessary to enable the payment to your account with the Merchant.You authorize PhonePe to access, fetch, share, use, store the information related to your account with the Merchant for Recharge & Bill Pay Services on an ongoing basis on your behalf for the said purposes.You understand that correctness of information is of utmost importance for fetching the right bill and subscription value and you accordingly confirm to ensure and be responsible for the correctness of the identifier information.You understand that the amount to be paid, recharged or subscription value is an agreement between you and the Merchant and PhonePe has no obligation to verify the correctness of the sameYou agree to keep your account information upto date and comply with the terms and conditions at all times otherwise PhonePe has the right to suspend the account or deny any services.You agree that for providing the Recharge & Bill Pay Services the User identifier data, location/state and/or kyc information / any other personal information would be required to be shared with the Merchant/ biller for tax /GST purposes.You agree and authorize PhonePe to communicate with the Merchant, third party service providers, aggregators with your account information for processing the transaction,You also agree that PhonePe may set up reminder facility or auto payment facility which you expressly consent to and understand that payment once made to the Merchant for Recharge and Bill Pay is non - refundable.You shall be responsible for any duplicate standing instructions for payment or delayed payments or any penalty/ interest levied by the Merchant on the payments made. It is re-iterated that PhonePe only facilitates the payments to the Merchants on your behalf.Charges:There may be charges for access, third party payment or such other data fees from third party payment participants and/ or Billers which you expressly agree and shall not hold PhonePe liable for the same.Your Responsibilities: In connection with your use of the PhonePe Recharge & Pay Bills, it shall be your responsibility to adhere to the following:You should verify from the transaction history and/or the notifications about the success or failure of the transaction.You shall be responsible for any charges levied by the Merchant/Biller in relation to the Recharge & Pay Bills services that can deducted from your account or that are added to your bill / subscription fees.You shall be responsible for keeping a track of your periodic bills, subscription fee and recharge expiries and or due dates of any utilities/ services or recurring charge services that you have availed and PhonePe shall not be responsible for any technical issue related to periodic retrieval of the bills from the Billers or any errors / discrepancies in the BillsYou shall be responsible for scheduling your bill payment and you understand that the payment realization time shall vary from Merchant to Merchant and it is only based on your instructions that we will make the payment. We shall not be responsible for the delays/ reversals or failure of transactionUser Errors:If you erroneously send a payment to the wrong party or wrong biller or double pay or send a payment for the wrong amount (for instance a typographical error at your end) your only recourse will be to contact the Merchant /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.Disclaimers:You agree that all risks arising from online transactions will be borne by YouPhonePe 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 Wallet feature is 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 authorize anyone to make any warranty on our behalf and You should not rely on any such statementOther Terms:All other terms including terms such as User Registration, Privacy, User Responsibilities, Indemnification, Governing Law, Liability, Intellectual Property, Confidentiality and General Provisions etc. are deem

Investment scam is all over the place in recent times and due to greediness people fall victim daily to bogus promises. May i tell you that out of 100% of people or companies advertising investment, just like 2% can guarantee the outcome. The rest are mere scorn artists who just want to take your money. Thread with caution!This is also a signal to all regulatory authorities to buckle up. You must know that if cryptocurrency is prohibited in your jurisdiction you do not have business with it. The reason being that when there is a problem or abuse, the investor lacks government protection.If you sense that you are being defrauded by an investment company there are few steps listed below which could help you to recover them if you have all your proof of investment and conversation history. The following are the process:Firstly, if cryptocurrency is regulated in your jurisdiction like in the United States, File your complaint with the SEC. Why file with the SEC? Some of these companies are registered and it is the duty of the SEC to regulate them. Filing will make the SEC investigate and bring down the company. This is usually not the case as we have experienced in our quest to recover money for victims of fraud. Virtually all the companies are unregistered and are usually operated by fake individuals with fake identities. So reporting to the SEC may not really do justice.File a report with any Law enforcement agency in your jurisdiction, like the FBI in the US. The essence of this is for investigation but this usually is not an easy one since most of them operate with fake identities and FBI’s investigation is usually very slow. Making it that before the investigations concluded the scorn would have emptied the wallet.The next is that if the amount lost is what you can bear, please bear it and invest no more.The last option is that you should try using virtual asset recovery companies. However, i must strongly advise you to thread with caution because most of these investment companies now pose to be recovery companies and they are out there to steal from you. This is owing to our experience in the recovery industry.Some people have been defrauded twice because they went to the wrong place to seek help. Do not be desperate. When you send your complaint to [email protected] the firm will review your claim to ensure that you really invested with these companies and if the same turns out to be successful, the firm would proceed from there.Finally, I must advise you to inform Activebonorum | Homepage you that you have been defrauded due to the trauma that comes with this. Also, inform your therapist if need be.Too much scammer often in the news we read or hear about binary options customers who have been defrauded of their money by scam firms. If you have been defrauded by a binary options broker, these are steps that may help you recover your money.The first action should be to try to reverse the credit card transaction. Point. It is undoubtedly the best option you have if you have been defrauded. Sometimes even only the threat of a chargeback can get you your money back. In fact companies may face problems when processing credit cards after a certain number of chargebacks, and hence they often prefer to just return a customer his money.The company may decide to keep your money instead, then you can approach your credit card company or issuing bank and fill out all the paperwork necessary for a chargeback. You must mention fraud, misrepresentation and breach of contract as the reasons. You can more often than not count on the fact that scam binary options sales people tend to lie about their identity, location and financial experience, and this will help you to sustain your case.You just suspect you have been defrauded by a binary options company, you can first try to negotiate with it directly. It often happens that the fraudulent firms’ first response suggests to put more money in to recover your lost investments. Please, don’t do that! There are high chances you will add that money to the one you have already lost. If the binary options company refuses to refund your money, at least you will have additional documentation for your bank as proof of your good-faith effort to recover your funds.Provide your bank or other financial institution with as much documentation as possible to demonstrate that false promises were made. Please make sure to send it all in a single email. Don’t just send emails for any documents you got. Take your time and arrange all the files in a single PDF. You can’t really expect that a bank employee does the work you do not want to do for your own good.You are able to ascertain the real location of the binary options firm that scammed you, you should provide your bank with that information. Many binary options firms claim to be calling from England or Scotland, but it often comes out that they are actually in Israel, Cyprus or Bulgaria. There is no question that this discovery will back your case. Indeed you may be even able to recover your money just by ascertaining the real address and names of the company owners, as it has happened to various defrauded customers already.Unfortunately pressuring binary options firms or credit card issuers does not always work. Sometimes you have to take it a step further and go to litigation. But even with this, be always careful. Thus, if for instance you’re hiring an Israeli lawyer to help with an Israeli binary options firm, check with the Israeli Bar Association to make sure they’re legitimate, and try to get references and reviews of people you can trust. Too many victims have hired firms after being contacted on message boards by people promising to get their money back, just to find out later that they have fallen in another scam.Contact Activebonorum | Homepage recovery company to help you recover your lost money easily. [email protected] do you recover stolen/lost Cryptocurrencies?Hot WalletsIn the case of hot wallets, users usually set them up with cryptocurrency exchanges. Chances are that it might get hacked in case of a breach. In this case, the exchange is responsible for its recovery but there is no guarantee that you will get your coins back.When Bithumb was hacked in June 2018, it was later reported that the company managed to recover almost 50% of the hacked http://coins.In most cases, and this is the reality of these exchanges -In recent times, however, people have found techniques and methods to recover stolen coins. A zero-knowledge proof is one such method where one party (the prover) can prove to another party (the verifier) that something is true, without revealing any information apart from the fact that a certain specific statement is true. In regular blockchain transactions, the details of a particular transaction are visible to every other party in the network. In contrast to this, zero-knowledge transactions only let others on the network know that a transaction has taken place but the details of the sender, recipient, asset class and quantity are unknown.Cold WalletsThe ways in which you can recover from cold wallets are:Paper Wallets: Storing your key information in paper wallets is a very traditional concept which is now defunct. Misplacing or losing these papers without accurately remembering the details (Which is nigh impossible for any individual without photographic memory) will cause you to permanently lose your coins. The best way to safeguard your coins would be to store your paper wallet into a vault or safety deposit box.Pen drives, Hard drives: These devices are the most secure way to store your coins. One of the ways that you could lose your coins in these devices is if they get damaged or corrupted. Retrieving your data from these damaged or corrupted devices by professionals can prove to be an expensive affair. The other way to lose your coins is by losing or misplacing your device altogether.Encrypted Devices: Encrypted laptops and phones work like hardware wallets, where you can store and access your private key information. Like hardware wallets, you can retrieve deleted or lost information through professional help in a nutshell, coins stored in hot wallets can be subject to hacks and theft resulting in the loss of your coins — unless your designated exchange takes some measures to restore them or tries to retrieve them from hackers. Using cold storage wallets is at the user’s discretion where you are completely responsible for the safety of your wallet, and subsequently your coins. It’s situations such as these that have led to companies looking to create products, such as Cryptocurrency theft insurance to protect your crypto and safeguard your digital assets. Once products like these are successfully released, this will certainly boost the value and adoption of cryptocurrencies. Lost your bitcoin to scammers?ANSWER: visit Activebonorum | Homepage to connect with recovery agents who will surely get back your lost coin.Email: [email protected] have become increasingly optimistic about the whole blockchain phenomenon and some are going as far as to predict that people will be paying solely with their bitcoin wallets as soon as 2030. Unfortunately, with every great invention, there is always a downside. The problems creeping up into bitcoin payments has been the inability to trace or recall a payment once the payment has been issued. For instance, if you paid the wrong person using bitcoin, it is impossible to recall that payment and the money you paid is usually lost forever. Trading scammers have caught onto this fact and are getting clients to buy a cryptocurrency and then transfer the crypto to a trading platform.What exactly do the scammers do?A person will get a random call from a broker saying that he can make a 30% return every single week trading Forex. All he has to do is open a Luno account; a crypto wallet that enables you to store various cryptocurrencies such as bitcoin, and buys 200$ worth of bitcoin and then sends it to a particular trading platform to start making some money. Once you deposit the cryptocurrency you might find yourself unable to access your trading account, or, even if you are able to access your account, they do not let you withdraw your funds. These trading platforms sometimes claim that in order to withdraw your funds you need to first deposit an additional 200$ in order to start the withdrawal process. Why would you have to give someone more money in order to withdraw money that you put there in the first place?!Why paying with crypto makes it very difficult to recover your fund and how a crypto transfer differs from a bank transferThe way the algorithms work behind crypto is each cryptocurrency has a special code and once you transfer that ‘code’ to someone else it is almost impossible to retrieve it. You are not transferring money or anything tangible to the trader, you are transferring the code into someone else’s account and it now becomes his.When you do a bank transfer to someone, the bank has that transfer on record and can recall that exact transfer to your account if they want. Cryptocurrency works differently. When you buy crypto, you get a specific code and when you transfer this code it is impossible to trace. The only way to get your money back is if the company decides to offer you a refund. The refund that they give you is not the initial cryptocurrency that you gave them, rather they will give you cash with the same value of the crypto you lost.Lost about $45,000 to crypto investment scam just recently. The company posed as an investment company that could deliver a certain percentage in returns if you deposit your Bitcoin with them. At first, it seemed real, it worked twice. I didn't realize they set up a bot(robot) that will completely shutdown your account after you have decided to invest high. I suddenly couldn’t access my profile, I complained to the admin, he gave excuses that they had a downtime and needed to upgrade their website, this took over 2 months. Within that period,I began to suspect I had been scammed. I contacted my bank to see if they could do anything about this situation, they couldn’t. Local police say it’s impossible to get my money back.got in contact with a certified recovery specialist (Activebonorum | Homepage) who helped me with refunds.Crypto Scams are becoming more and more frequent as Crypto Scammers are focusing on gaining new clients through social media. It is more difficult to recover funds if you paid using cryptocurrency but there is still hope. Here is an understanding of the Crypto world and what you can do to recover your money.The truth about cryptocurrencyInvestors have become increasingly optimistic about the whole blockchain phenomenon and some are going as far as to predict that people will be paying solely with their bitcoin wallets as soon as 2030. Unfortunately, with every great invention, there is always a downside. The problems creeping up into bitcoin payments has been the inability to trace or recall a payment once the payment has been issued. For instance, if you paid the wrong person using bitcoin, it is impossible to recall that payment and the money you paid is usually lost forever. Trading scammers have caught onto this fact and are getting clients to buy a cryptocurrency and then transfer the crypto to a trading platform.What exactly do the scammers do?A person will get a random call from a broker saying that he can make a 30% return every single week trading Forex. All he has to do is open a Luno account; a crypto wallet that enables you to store various cryptocurrencies such as bitcoin, and buys 200$ worth of bitcoin and then sends it to a particular trading platform to start making some money. Once you deposit the cryptocurrency you might find yourself unable to access your trading account, or, even if you are able to access your account, they do not let you withdraw your funds. These trading platforms sometimes claim that in order to withdraw your funds you need to first deposit an additional 200$ in order to start the withdrawal process. Why would you have to give someone more money in order to withdraw money that you put there in the first place?!Why paying with crypto makes it very difficult to recover your fund and how a crypto transfer differs from a bank transferThe way the algorithms work behind crypto is each cryptocurrency has a special code and once you transfer that ‘code’ to someone else it is almost impossible to retrieve it. You are not transferring money or anything tangible to the trader, you are transferring the code into someone else’s account and it now becomes his.When you do a bank transfer to someone, the bank has that transfer on record and can recall that exact transfer to your account if they want. Cryptocurrency works differently. When you buy crypto, you get a specific code and when you transfer this code it is impossible to trace. The only way to get your money back is if the company decides to offer you a refund. The refund that they give you is not the initial cryptocurrency that you gave them, rather they will give you cash with the same value of the crypto you lost.But, you can still try to get your money back. Here’s How1. CONTACT THEMSend a letter to the trading platform that took your cryptocurrency telling them if they do not return your money that you will report them to the financial authorities. While this can’t guarantee that they will give you your money back, when followed by action, your efforts could pay off.2. REPORT THEMThe next step is, of course, to actually report them to the relevant financial authorities. For an easy reference guide on how to report them click here(Reporting a scam should always be done, whether or not you can get your money back, if you’ve confirmed your fears and there is no explanation for why they haven’t given your money back or allowed you to withdraw from your account it is yours and every individual’s responsibility to report criminal activity to the government so that the government can take action.)3. GET CREATIVEThere are many ways in which a private investigator may go about finding information for a case. If you’re intent on getting your money back, you may ask yourself, have I exhausted all options in getting my money back, what if it was a million dollars? Would I throw in the towel now? Start by publicizing your story online in any way you can. For example, post the name of the broker on Facebook or Reddit to see if there are others who have information on this company or any clues as to how you could get your money back. This may also help prevent others from falling prey to the scam as well.4. NOTIFY YOUR CRYPTO WALLET PROVIDERContact your crypto wallet and notify them that the company you paid is a scam and is refusing to give your money back. This will raise awareness and ultimately jeopardize the scams relationship with the crypto wallet which may also help prevent others from being scammed.5. SEEK LEGAL COUNSELWhile this may not be an option for many as lawyers fees can often exceed the amount of the money lost. However, there are scenarios where legal advice may help point you in the direction of steps that you could take to pursue the crypto scam company.6. GET INFORMED.This can’t really be stressed enough, hopefully, your losses are relatively small in which case the best way to get your money back is by taking your experience as an expensive lesson and learning how to not scam again. This way your hard-earned money stays under your watch and discretion (which you should improve by reading this Get Informed Now!).IMPORTANT: A CRYPTO SCAM BUT I PAID WITH CREDIT CARDWe’ll go ahead and make another article regarding this scenario, but it can vary greatly from when you sent crypto coins to a wallet. In many cases when a credit card or debit card was used, a chargeback process can be started and the chances of getting your money back can be significantly increased.In closing, transferring Bitcoin or any cryptocurrency to a Crypto scam or even to a Forex or Binary scam can be arduous and may seem hopeless to the average individual working without expertise. However, by putting in the efforts listed above you can at least rest easy knowing that you did everything you can to try and get your money back and to be prepared the next time you are targeted or seduced into something that’s too good to be true.Fund recovery companies are often able to recover money from scams using tacticssuch asCrisis managementrisk managmentintelligence gatheringclaim assessmentfuture investment planningvery similar to the ones listed above. In situations where Bitcoin or Crypto was used as well as cases where a credit card or debit card has been used and a chargeback can be pursued, the guidance of a professional can go a long way and could be the deciding factor between getting your money back and it being lost forever.Yes, there are ways but caution must be duly exercised since rogues have dominated the system.Activebonorum | Homepage may be your best bet in terms of this.How did you lose this money? The reason for this question is that different questions require a peculiar answer.Was this money stolen via fake investment, manipulation of password, through the installation of AnyDesk or Team viewer? If this is the case, you have a glare of hope. However, if this was lost through the purchase of an item from a recognized online platform, write to them and report the website.If this was lost through fake binary options, reach out to security asset tracing companies like the one stated above for solution.Software devices of the company you sought to engage totally matters. Ensure that they have like the company above Blockchain Chain Network Algorithm Radar; that could do the task. The expertise of the software engineer is also of great priority because they have always been helpful to me .The cryptocurrency market, unlike any other market in the world, is very volatile. And investors that are involved in the market have, at one point or the other, faced large losses. The reason for the losses can be and are of multifold. However, in essence, they are all the same; money is lost.In the cryptocurrency market in specific, the reason can be anything from technology shortcomings to general speculation caused volatility. One of the major reasons for the loss in the cryptocurrency market especially is lack of discipline or blatant overconfidence.Irrespective of the reason, getting over losing a lot of money is a whole different ball-game. It can be one of the most challenging times in the life of a trader and sometimes have catastrophic consequences.Slow DownYou’ve just lost a large amount of your trading capital in a bad trade. You’re reeling from the aftereffects and you want to make enough money through your investments to equalize your loss.While this is a very emotional time, it is important for you to remain calm. Yes you have lost a part of your investment and yes you have lost money, but that is all the more reason to slow down. Control your impulses at this time, don’t make rash and hasty trades because you may just end up worsening your situation.Remember that every trader has bad days and everyone loses money in financial markets or cryptocurrency scams and it is okay, if not imperative, to stop trading at that point. Take account of your losses and make no more trades for the day.Slow down, cope and recuperate and also if you suspect anything fishy with your investment or your brokers then you can request for the service of a recovery company and the best so far is ACTIVE BONORUMActivebonorum | Homepage is a legitimate recovery company that is registered and they also provide their license ID to the public to show legitimacy. They assist individuals and companies recoup their funds from fraudulent Investment platforms, ICO and Romance scams. As long as the fraud is done online, [email protected] is up to the task of recovering the funds.hello, i got caught up in a romance scam some years ago. I had thought all hope was lost. I made several payments to military men, offshore bank accounts via credit cards to Asia and North Africa. I looked for help until I came across a Hacker and private investigator. He did a lot of work and helped me recover about 80% of the money back. The culprits were brought to justice in their respective countries. I am recommending Activebonorum | Homepage , you need help with lost money without an upfront fee. contact info is [email protected] beware there are many fake bitcoin mining/clouding out there, I got scammed twice before I met a genius hacker who helped retrieve my bitcoin. The whole plan was so smooth I could not doubt it. Bitcoin is actually a great investment option but one thing I discovered over time is that it is not possible to mine bitcoin so don’t be deceived. I invested $250,000 on a particular website called eureka mining block, I monitored the profit yielding but got locked out of the account before I could withdraw. I went online and met this hacker bitcoin retrieval genius who helped me retrieve my bitcoins back in a few hours. You saved my life and I will forever be grateful. I referred my friends whom we got scammed together right away and they got help too. You can contact via [email protected] | HomepageThere are two fronts in the battle against scams and fraud: prevention and restitution. On the prevention side, there’s plenty going on and lots of money being spent. The fiscal year 2001 federal government budget has earmarked roughly $15 billion for cybersecurity across more than 70 agencies. And that doesn’t include money to be spent on classified projects.Binary option is a type of financial product which comes with a fixed payout if the option expires in the money. Binary options work on the basis of an expiry date or time where investors can lose the money, if the option expires. It is a fact that binary options named due to it are based on two propositions, yes or no. The binary options automatically execute in which loss or gain in the trade can automatically be debited or credited to the trader’s account at the time when the option expires.Falling for a scam is something that most people will not admit to. Scammers know this and use it to their advantage, but their victims have no reason to feel embarrassed. Over the years, I have worked with hundreds of people who have been conned out of money or personal information. Most of them were highly educated and affluent—not the type of people you’d think could fall for a scam. I, too, have fallen victim to a scammer’s clever tricks. contact the email [email protected] for help on funds recovery.Activebonorum | HomepageWe at Activebonorum | Homepage have tracked down the whereabouts of various Binary Option companies and have been able to verify that 99% of Binary Options companies are primarily based in Israel or operated by Israeli nationals. This information is easy enough to obtain through media sources and internet searches, but knowing their location is just the first step.Contact the necessary fraudulent police department; This might give you a chance to get your money back, but it is a low chance compared to a recovery company with a high guarantee of money back.Contact Email [email protected] they will help you with your charge back successfullyBinary options may be used in theoretical asset pricing, they are prone to fraud in their applications and hence banned by regulators in many jurisdictions as a form of gambling. Many binary option outlets have been exposed as fraudulent. The U.S. The FBI is investigating binary option scams throughout the world, and the Israeli police have tied the industry to criminal syndicates. The European Union is publishing regulations that will ban binary options trading. ASIC considers binary options as a “high-risk” and “unpredictable” investment option. Most people have lost their hard earned money through this binary options shit, yet they would go to meet scammers unknowingly to help them recover their money and they would end up losing more money in the process.Visit Activebonorum | HomepageMost binary options companies out there are fraudulent. They are all scams. It actually hurts and brings tears to my eyes when I read comments of scammed victims ripped off by BINARY OPTIONS AND FAKE HACKERS. I actually know how it feels and hurts to lose money you have worked half of your life for to invest with the thoughts of getting returns when you are retired. It was all a scam in the end.STOP BEING SCAMMED BY THESE BINARY BROKERS AND FAKE HACKERS. Cybersecurity has had enough complaints from clients over the months who have one way or the other being a victim of the BINARY OPTION OR RECOVERY SCAMS or any desired Hacking Services. I'm willing to put an end to these unbearable swindle schemes by taking over the internet and taking a step forward to render solutions to those affected and help them get every penny they lost. Hack Ethics is an experienced Private Hacking and Certified Binary Recovery Expert Organization Activebonorum | Homepage with a spare master key that no one has. Service takes just within 48 hours. Hire a Ethical Hacking Expert who's professional and real. Specialized in any desired Hacking Services.EMAIL: [email protected] and fraudsters are using the anonymous, decentralised nature to operate scams and launder finances. Secure bitcoin payments have many uses but as with any type of activity involving money, they can be a target for scammers.The main types of bitcoin scams are:Malware & viruses hidden in fake Bitcoin walletsBitcoin phishingBitcoin 'flipping'Pyramid schemesThere is no shame in being the victim of one of these sophisticated and predatory operations. By coming forward you may be able to recover some or all of your lost funds and prevent the scammers from targeting others. Financial Refunds with Activebonorum | Homepage do have extensive experience in helping clients to recoup and recover funds lost in bitcoin scams.It feels good when you recover your lost funds from your scam broker. Some challenges of withdrawals we traders are facing today in the binary option is not because the binary option is no longer a nice place to invest capitals, but the problem is that there’s a lot of scam brokers all over the world. If you’re facing some challenges of withdrawals or your broker manager is always asking you to make more deposits before you could place withdrawals from your funds or you traded and lost your funds without any reason or maybe you noticed that your broker manager manipulated your funds and can't recover them like I did? There is a wealth management and recovery solution company who helped me recover my funds and taught me how and when was the right time to invest. ContactEmail: [email protected] | HomepageHOW ASSET INVESTIGATION CAN GET YOUR MONEY BACK;ACTIVEBONORUM is a money recovery company that helps people successfully recover their funds from fraudulent financial investment or when you have not received the goods or services you were promised. We specialize in cyber fraud and asset recovery using forensics and cyber security to combat cyber crime. We have the expertise to analyze and investigate the fake broker both physically, monetary and electronically within international jurisdiction.We have access to a network of databases and extract information about where and who runs a company. Our capabilities include human and intellectual resources, analytical and data tools, investigation and forensic technology, and information and intelligence gathering skills. We have relationships with specialists in a number of key locations representing different skill sets. We deploy all these resources as required in order to form strategies to get under the skin of financial transactions and records, and to fill in the gaps between knowing what has been lost, where assets have gone, and what those assets have been.How Does It Work?The process begins with a simple consultation, typically conducted by one of our claim experts. This will be followed by an intelligence gathering period, where we will work with investigators and forensics to uncover the inner workings of these companies. At the same time, documentation will be gathered to build your case. Next, a plan of action will be formulated and presented to you. If you agree upon this strategy, the case will be pursued, hopefully leading to the recovery of your funds.If the circumstances of your case are such that we believe the chances of success of your recovery is low, We will explain to you why that is, and will not charge you for any service or assistance.Finally, We also offer customers a legal assistance program for clients who transfer funds by bank wire to offshore, as these cases require a different approach than traditional credit or debit card chargebacks.In addition, customers should know that their refund request will not be honored if you have submitted a claim that is profitable for the company.Customer Service Contact InfoCustomers who wish to contact their Customer Service team with any questions, concerns, or complaints can do so by email or by using our website’s Live Chat feature when it is available.Activebonorum | HomepageThe scammers, acting as genuine brokers, told her she was trading on the performance of gold and stocks, and that her money couldn’t be lost. They have increasingly targeted pensioners since April 2015, when changes to the law made it easier for people to access their funds.When it comes to Binary Options, there have been quite a few examples of people who have been taken for a ride by a Broker and have lost a large amount of money. Binary Option Scams are quite common and come down to a number of factors including improper due diligence and manipulation by the broker.This is an unfortunate situation as it has tainted the image of Binary Options in its entirety. Despite the many bad actors on the market, there are good opportunities to connect with honest brokers who treat their clients with the respect that they deserve. I want you to hire the company to recover all your lost investments and funds, [email protected] is just the best you can hire. they deliver 100% funds and your bitcoins secured .Activebonorum | HomepagePlease beware there are many fake bitcoin mining/clouding out there, I got scammed twice before I met a genius hacker who helped retrieve my bitcoin. The whole plan was so smooth I could not doubt it. Bitcoin is actually a great investment option but one thing I discovered over time is that it is not possible to mine bitcoin so don’t be deceived. I invested $25000 on a particular website called eurekaminingblock, I monitored the profit yielding but got locked out of the account before I could withdraw. I went online and met this hacker bitcoin-retrieval genius who helped me retrieve my bitcoins back in a few hours. You saved my life and I will forever be grateful. I referred my friends whom we got scammed together right away and they got help too.Activebonorum | HomepageHave you lost money to the Binary Options Investment scam ?Good News to all Victims of Binary options. Binary option has been around as an investment Platform since 2014/2015 and several investors have been a victim of this unregulated spectrum of investment. Many of these fraudulent companies have conned victims into investing thousands of dollars with promise of high return on their investment. At the end of the day they made a way with their money and dashing their hope. The hope for victims of BINARY OPTIONS have been brought back by recovery experts and claim analysts. With over 10 years experience in Financial Fraud Investigation and computer Forensic investigation are now helping people to reclaim their lost funds from SCAM BROKERS. The scourge of financial fraud continues to expand with Forex and binary options fraud, in particular, gaining ground globally. Many hundreds of people around the world are targeted each day. In many cases, they are novice investors who are unfamiliar with the markets and do not recognize that they are dealing with a bogus trading platform. The fraudulent brokers rely on this lack of knowledge. Eventually, when the fraudsters finally decide that there is no more money to be had from the unfortunate target they cut all contact, the hapless investor begins to suspect that they have been scammed. However, the helpless investor begins to search for a binary option / forex recovery company. ACTIVE BONORUM have been helpful to the victims of financial fraud.Activebonorum | Homepage is A Trusted Certified Binary Options Recovery Expert and a Reliable team Hackers founded by William Lewis You can reach out to them on their website which i will provide under this post. We need help to disregard those evil in our community! That’s why I want to share what I discovered about recovery of funds lost to ICO scams months ago. And Together let's fight against SCAMS!Recovery ServiceWe have the intelligence and expertise in asset recovery, claim assessment. Our team of professionals will carefully assess your case, so we can determinethe best course of action. We may employ ethical reconnaissance and grey hat hacking methodology and still work in acceptable code of conduct. We have created a highly optimized multi-threaded C++ program and special hack tools to perform computer forensic investigation and brute-force decryption. This service is designed right from the start to be a scalable solution - it runs on a cluster of high performance Linux boxes, hosted on the Amazon EC2 cloud. This enables us to scale up to nearly any number of computing cores. We have tested this with up to 100 8-core computers, but more can be brought online if required.TrustShould you trust us in recovering your lost funds? Our Founder William Lewis is a senior Certified Ethical Hacker holding CEH, CISA, CISSP ,Redhat, CCNA, AWS certifications with more than a decade of hands-on experience. He has deep understanding in personal security (social media, email, device etc), web and network security, vulnerability assessment, penetration testing, cybercrime investigation, malware analysis, hack recovery and all kinds of security standards.PaymentWe would like to help you recover your lost funds to Fake and Unregulated Binary Broker Company. We want to do this because it is fun, it helps you, and we see the possibility of a monetary reward for us. You can pay in Bitcoins, Ether or other alt-coins (of course), typically from the total funds recovered . Just send us the details of your case, we will review it, and we’ll try our best to recover it. Generally, we ask for a fee of 20% of the value of the lost funds, but this is payable ONLY if we succeed in recovering your wallet and returning your funds to you. If you have a serious need for our services, contact us by sending us an email at and we’ll work something out.Hopefully we can help you.RegardsActivebonorum | HomepageHello everyone, I want to share with you all vital information on trading of stocks and forex are expected to put a large amount on my trading account, I’ve watched how my balance would go higher and higher. And of course, seeing this “proof” of how I’m good at it, my manager Peter made me invest over 85,000Euro. After a couple weeks of such magnificent trading, my account ended up over 400,000Euro. An excellent opportunity to file a withdrawal, no? No!! They released only 500 in order to trick me to invest more than 200,000Euro. I didn’t have such money at the moment and I was put on hold....Weeks after nobody would even answer my calls or my emails. It became very clear that I’ve become a victim of a huge and shameless scam. Time passed by and I was growing disappointed and very angry with my own naiveness. Only in August 2017 I came across [email protected], a company which works against binary criminals. They didn’t charge any upfront payment . It was a little hard to believe someone over the internet and phone again, but I lost too much money and lost just a little bit more, in case if it's another scam, it was not that painful. I’ve provided their team with all documents related to my trading and waited. After few weeks i got all my money back and have to send their percentage commission after I was able to withdraw all the recovered funds as agreed, i recommend Activebonorum | HomepageMy experience with CryptoNx was completely unpleasant. They thought they would cease my hard earned profit after growing my account to over 120%. This started when I reached out to the account manager when I wasn't able to withdraw my money. He assured me a successful withdrawal within a week. 3 weeks went by and I was never able to reach him again. I knew I'd been scammed. So I started researching a credible wealth recovery agency that could get my funds as soon as possible without any stressful uncertain chargeback procedures. The best decision I ever made was to work with Sharon and his team from " Activebonorum | Homepage ". Unbelievable, They got penetration testers that recovered my funds including my profits in less than 10 days. Guys! I couldn't be happier. Please stay clear of these unregulated brokers.Email: [email protected] beware there are many fake bitcoin mining/clouding out there, I got scammed twice before I met a genius hacker who helped retrieve my bitcoin. The whole plan was so smooth I could not doubt it. Bitcoin is actually a great investment option but one thing I discovered over time is that it is not possible to mine bitcoin so don’t be deceived. I invested $25000 on a particular website called eurekaminingblock, I monitored the profit yielding but got locked out of the account before I could withdraw. I went online and met this hacker bitcoin-retrieval genius who helped me retrieve my bitcoins back in a few hours. You saved my life and I will forever be grateful. I referred my friends whom we got scammed together right away and they got help too.Activebonorum | HomepageI JUST TRIED THIS NO UPFRONT PAYMENT !!!!! NO UPFRONT PAYMENTI made a deposit of $10,000 into this broker on 1st December, then I got a call from the account manager telling me about my account and the bonuses I could get if I put in more money. He was really good at convincing (maybe he brainwashed me ) I later put $86,000 in total. Then I sent all of my verification documents such as proof of address, ID and Bank card details (I sent without CVV) and Declaration form . Also I received lots of emails from them about verification and activation and etc. During the first 3 days which my account was funded and was ready to start; they called me many times to re-invest and increase my amount and I refused because they got too pushy about it. I figured something was wrong when I requested for a withdrawal and was told I had to reach a deposit target before I can make withdrawals. So I couldn't trust them as they changed their word and I asked the adviser I want to close my account as my account is verified and it's ready. I already told him I can't put more money in and now I changed my mind and I want to withdraw my money and close my account. I send lots of email, chat, request, text, call and etc and ask them to call me and explain but nobody answers and replies to me even through email (Used to be emailed straight away) Now I want to withdraw all of my money but I can't go through my account. THEY NEVER CAME BACK TO ME. TEL, ADDRESS AND COMPANY AND ALL ARE SCAM. Until I was introduced to a recovery company that helped me outIf you are a victim of a Bitcoin or other cryptocurrency scam, the chance of recovering your funds seems pretty much nonexistent. Due to the anonymous and irreversible nature of blockchain transactions, the likelihood of recovering your funds is fairly low but possible.However, all hope is not lost. Depending on your situation and your level of persistence, there may be a few ways to recover your lost assets by actually seeking assistance of ASSET RECOVERY SPECIALIST. I’ll recommendMy recommendation of the above recovery company isn’t a sponsored recommendation, but because they helped me in recovering my 30 bitcoins which I lost to IQ-Options binary options scam. visit their website Activebonorum | Homepage for help.Email- [email protected] made a deposit of $490,000 into this broker on 1st December, then I got a call from the accountmanager telling me about my account and the bonuses I could get if I put in more money...he wasreally good at convincing (maybe he brainwashed me ) I later put $400,000 in total.Then I sent all of my verification documents such as proof of address, ID and Bank card details(I sent without CVV) and Declaration form . Also I received lots of emails from them about verification and activation and etc.During the first 3 days which my account was funded and was ready to start; they called me many times to re-invest and increase my amount and I refused because they got too pushy about it.I figured something was wrong when I requested for a withdrawal and was told I had to reach a deposit target before I can make withdrawals.So I couldn't trust them as they changed their word and I asked the adviser I want to close my account as my account is verified and it's ready. I already told him that I can't put in more money and now I changed my mind and I want to withdraw my money and close my account.I send lots of email, chat, request, text, call and etc and ask them to call me and explainbut nobody answers and replies to me even through email (Used to be emailed straight away) Now I want to withdraw all of my money but I can't go through my account. THEY NEVER CAME BACK TO ME.TEL, ADDRESS AND COMPANY AND ALL ARE SCAM.Until I was introduced to the guys at "[email protected]" they helped me get my money back from these rippers after a long while...I owe my life to them right now. not everybodythere would be fortunate to find a trusted recovery expert Activebonorum | HomepageNB : Do not trade Binary OptionsI trust the procedures of Activebonorum | Homepage that i used to recover my funds from binary options trade, Before I refer you to them i know they can help you,It's all left for you now, if you want to get back your money or not,if you still want to let go of it you can still decide it on your own so they are not forcing you to pay them for the upfront fee, 100% sure Guarantee that they can help you get back your lost funds , but if you can't afford there upfront fee, you can still try another recovery company. contact me via email: [email protected] for more info on how to recover your lost funds. And will guide you on steps to take and get back all you have lost.I made a deposit of $210,000 into this broker on 1st December, then I got a call from the accountmanager telling me about my account and the bonuses I could get if I put in more money...he wasreally good at convincing (maybe he brainwashed me ) I later put $86,000 in total.Then I sent all of my verification documents such as proof of address, ID and Bank card details(I sent without CVV) and Declaration form . Also I received lots of emails from them aboutverification and activation and etc.During the first 3 days which my account was funded and was ready to start; they called me manytimes to re-invest and increase my amount and I refused because they got too pushy about it. Ifigured something was wrong when I requested for a withdrawal and was told I had toreach a deposit target before I can make withdrawals.So I couldn't trust them as they changed their word and I asked the adviser I want to close myaccount as my account is verified and it's ready. I already told him which I can't put moremoney and now I change my mind and I want to withdraw my money and close my account.I send lots of email, chat, request, text, call and etc and asked them to call me and explainbut nobody answer and reply to me even through email (Used to be emailed straight away) Now Iwant to withdraw all of my money but I can't go through my account. THEY NEVER CAME BACK TO ME.TEL, ADDRESS AND COMPANY AND ALL ARE SCAM.Until I was introduced to the guys at "[email protected]" they helped me get my moneyback from these rippers after a long while...I owe my life to them right now. not everybodythere would be fortunate to find a trusted recovery expertActivebonorum | HomepageI was recently scammed by a ELENA MYERS ,whom I fell in love with for over 10months, he took all my savings and loans ,lost my house and car in the process, he keeps asking for more money to come see me and things from where he is keeps coming up, claimed to live in OK and Michigan and went to both addresses nobody has seen the person before, went to the army he serving ,they have no record of him, i was more than devastated when he continued with the story after I caught him, in a bid to recover my hard earn money I contacted the FbI, who later gave me a tutoring I was catfished in a love scam and there was little to nothing they could do about it, was able to hire a private eye who helped hired Activebonorum | Homepage , was able to trace my suppose born in Michigan Major to west Africa, he was able to get access through the details he provided me and ) was able to pay back $620,300 and still reported him his government after,this was a lot from where I was. So if you’re going through this get help [email protected] and get your funds back.you can thank me later.this helps get you back on track.Are you into any online dating sites and have been brainwashed or scammed by some of these online scammers who pretend to be Con artist, Military Man, Contractors, Celebrities, Engineer, Model, Business man and many more ? Are you looking for a means to get a hold of any of them if you’ve ever fallen the victims of these set of scammers anywhere in this world. I Can refer you to a set or team investigators who work secretly and legally to help you to recover all your lost funds anywhere in any part of the world, To get them screwed and make them rot in jail after identifying the fake profile that has been exploiting you. For best help You can reach the team through [email protected] | HomepageI want to share vital information about recovery of funds and bitcoins if you think you’re losing out due to some unexpected factors or you’re scammed on social media like wechat and Facebook, or by a romance military scammer. I’m here to recommend an expert and a recovery professional organization Activebonorum | Homepage with 100% assurance that helped with recovery of 48 bitcoins.- render LOANS,. Bank jobs- Stolen or Lost BTC, TBC and ETH recovery .you can send emails to [email protected] you lost money to romance scams? Have you experienced stolen funds from accounts and wire transfers? have you lost money while trading forex? Have you tried getting your money out from your binary account and was unable to place a withdrawal? Have you found your self wading through excessively complicated terms which might seem impossible to meet, all because you traded with an unregulated broker? Do not panic, I have good news for you. I lost over $200k to an unregulated broker who stocked my trading capital and denied me access to my account. But thank God I have recovered all my lost funds, through the help of a certified funds recovery expert. If my assistance is needed, kindly get in [email protected] and I will guide you on effective steps to take and get back all your lost funds in just a few days.Activebonorum | HomepageLuckily today the media has become more marshaling and taxing on cheaters and liars and romance scammers is also exposed as fast as it is born. Anyone doing a little bit of dirt digging will come up with a consistent answer of what is a scam and what is good in falling in love. I won’t say I haven’t been scammed before, I have on numerous occasions but through the help of Mrs Harley and Daniels I was able to recover all my lost funds and he also went ahead to show me the regulations on checking websites for scammers. write to [email protected] if you need help on recovery of lost assets and bitcoin investments .Times have changed. Technology is evolving everyday. There are new innovations that do not only trace bitcoin addresses but find out what platform or exchange they belong to. Anyone would agree that this is a big step in recovering coins. I lost over $590,000 to George Hugo but thanks to and his team for their professional and Ethical services Activebonorum | Homepage rendered in recovering all of my money from this scam binary options company. You can mail them if you need to recover your money back from your romance scammer, ICO, Binary options scam. Information is Key. 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Some challenges of withdrawals we traders are facing today in the binary option is not because the binary option is no longer a nice place to invest capitals, but the problem is that there’s a lot of scam brokers all over the world. If you’re facing some challenges of withdrawals or your broker manager is always asking you to make more deposit before you could place a withdrawals from your funds or you traded and lost your funds without any reason or maybe you noticed that your broker manager manipulated your funds, i once lost over $1million , it was so hard for me to get myself because i was going to lose all my investments. A friend i met on reddit introduced me to an ethic hacker with email [email protected] who was able to help me retrieve all my funds without upfront fee within 48hours to help recover your lost funds from brokerage accounts, mutual funds, bank accounts, credit scams, crypto wallets etc in case you need assistance.Activebonorum | HomepageI was able to recover my funds from a very sketchy company, 24Options, last year a friend and I invested all our life savings but got duped in the process. Earlier this year, we were able to use the services of [email protected] and we have gotten all our money back. My nightmare is over, It's a whole new day here. Do be careful when dealing with investments, you can also reach them via email, call, whatsapp or skype. Activebonorum | HomepageDO YOU WANT TO RECOVER YOUR HARD EARNED MONEY ON BINARY OPTIONS AND BTC MINING???✅ Binary options may be used in theoretical asset pricing, they are prone to fraud in their applications and hence banned by regulators in many jurisdictions as a form of gambling. Many binary option outlets have been exposed as fraudulent. The U.S. The FBI is investigating binary option scams throughout the world, and the Israeli police have tied the industry to criminal syndicates. The European Union is publishing regulations that will ban binary options trading. ASIC considers binary options as a “high-risk” and “unpredictable” investment option.✅ Most people have lost their hard earned money through these binary options Tradings, yet they would go to meet scammers unknowingly to help them recover their money and they would end up losing more money in the process. You can easily identify these scammers with their Fake Testimonies, the thing is some of all these testimonies ya’ll are reading on these forums are fake, scammers are just trying to lure you into their Arms to get you ruined more.✅ The Only People who are capable of helping you to recover your money are HACKERS, most of this Binary option companies are scam so therefore they have weak Database security, and their vulnerabilities can be exploited easily with the Help of our Special HackTools, Root HackTools And Technical Hacking Strategies. All we do is hack into the Company’s Database, Extract your files and documents, Decrypt your Transaction Details and some Technical Hacking Procedures follow then you have your money recovered in Bitcoins.✅We have a trained team of seasoned professionals under various skill sets when it comes to Hacking. Our company in fact houses a separate group of Hackers who are productively focussed and established authorities in different platforms. They hail from a proven track record Called “HackerOne” and have cracked even the toughest of barriers to intrude and capture or recapture all relevant data needed by our Clients. Some Of These Hackers Includes PETER YAWORSKI, FRANS ROSEN, JACK CABLE, JOBERT ABMA, ARNE SWINNEN And More✅COMPOSITE HACKS is available for customer care 24/7, And You Can Also Contact us for other Technical Hacking Services you desire Such as:* WEBSITE HACKING* PHONE HACKING (giving you Unnoticeable access to everything Happening on the Target’s Phone)* LOCATION TRACKING* CLEARING OF CRIMINAL RECORDS* SOCIAL MEDIA ACCOUNTS HACKING etc✅CONTACT: Activebonorum | Homepage* For Binary Options RecoveryEmail: [email protected] your money back isn’t a big deal if you get the right person to help you out but with the rate at which a lot of scammers come online to rip people off, it becomes difficult to get the right person. This is why I’m going to recommend to you a legitimate private investigator and recovery expert team viaEmail: [email protected]’s time to recover the money you lost with Binary Options!If the company does not return your money, you should approach your credit card company or issuing bank and fill out the paperwork for a chargeback, citing fraud, misrepresentation and breach of contract as the reasons or you can seek the assistance of a private investigator and asset recovery expert, former industry insiders said. (binary options brokers routinely lie about their identity, location and financial experience)Activebonorum | HomepageThe Only People who are capable of helping you to recover your money as i was helped of recent in recovering my wealth is recovery expert called Active Bonorum Financial builder...most of this Binary option companies are scam so therefore they have weak Database security, and their vulnerabilities can be exploited easily with the Help of Special Hack Tools, Root Hack Tools And Technical Hacking Strategies. All they need to do is to hack into the Company’s Database, Extract your files and documents, Decrypt your Transaction Details and some Technical Hacking Procedures followed then you have your money recovered in Bitcoins. Activebonorum | Homepage have a trained team of seasoned professionals under various skill sets when it comes to Hacking and recovery of assets lost to binary options, ICO scams, online bitcoin brokers. The company in fact houses a separate group of Hackers who are productively focused and established authorities in different platforms such as email hacking, DDOS, cyber intelligence, asset recovery and credit solutions. Kindly visit the website Activebonorum | Homepage and contact the website admin to recover your lost funds via [email protected] advice out there is for you to be wise before you invest in any binary option broker.I was scammed $780,000 by on-line broker, but at last I found someone who help me torecover all my lost funds back from a scam broker that stocked my capital with anunregulated broker iqoption, If you need assistance with regards of your lost funds from yourbroker or may be your broker manager asking you to make more deposit before you couldmake a withdrawal or your account has been manipulated by your broker manager or yourThe broker has blocked your account just because they need you to make more deposit to youraccount.just feel free to mail me on [email protected] and you will be guided on how toget back all your lost funds just within the interval of Days.Hi everyone, It actually hurts and brings tears to my eyes when I read comments of scammed victims ripped off by BINARY OPTIONS AND FAKE HACKERS.STOP BEING SCAMMED BY THESE BINARY OPTIONS AND FAKE HACKERS. I'm willing to put an end to these unbearable swindle schemes by taking over the internet and taking a step forward to render solutions to those affected and help them get every penny they lost.ACTIVE BONORUM is an experienced and Certified Binary Recovery Expert Organization with a spare master key that no one has. Service takes just within 48 hours. Specialized in any desired Hacking Services.Email: [email protected] | HomepagePeople have lost so much in binary options, Traders have failed to withdraw their funds and profits made from binary options, failed to use the right strategies when needed, failed to engage with the right broker, not giving their trade a break, also having too many trading accounts which is one of the cause of their lost of funds, deposits of too low or too high amount of funds and most especially, not being able to present the full history of their trade when trying to withdraw their funds and their profits.If you are out there and having problems such as these or you are a beginner, or for a good reason need to raise your standard of living or you have been scammed or you have problems withdrawing your funds and profits made from your recent trades contact me via [email protected] for more info and special guidelines.Activebonorum | HomepageThe rise of the binary market has attracted many con artists to the foray, and they start even before you open your account. In order to understand whether the brokerage site you are visiting is genuine or a fake, you must have some basic knowledge about how these scams work?This is the first type of scam artists. Once you enroll with such brokers and make a deposit, and try to request a withdrawal, you just can’t. Sometimes, such brokers go even a step further and call you up to deposit further funds to initiate the withdrawals by making some nonsense argument of how beneficial it is to deposit further funds to your account. Then, the nimble trader requests for withdrawal which is now repeatedly denied, your phone calls go unanswered, and your e-mails to the customer support start bouncing. All your attempts to get your own money goes in vain with some point in terms and conditions or having no one in the organization to listen to your requests. Then only you realize that you have been conned, while, the realization would not have cost a million but surely few hundred dollars.I first got a call from a trader in March 2017. Less than a year later, through a very calibrated process of baiting me with phantom profits, and matching my losses, I was in over $600,000. And they did put me in touch with a broker. He told me there was an insurance policy that they get on them, every trade that we do that's secured, he will put in there that it's an insured secure trade. Ah, and then that particular trade, I won't lose any money if we lose. Okay? But the catch is, you have to bring in an additional $20,000 in order to get that secured trade status on your account. Once I hit a certain profit level, I tried to remove money from them. That's when they denied me being able to take out my own money. I had to actually have 20 times that amount before I would qualify for, withdraw any funds. That's when I came to the realization that there was something wrong here, and that I reached out to the Activebonorum | Homepage for help. The company receives many phone calls like these. It became clear that this scheme was big.They told me In terms of customers receiving restitution, in these types of frauds, it's very difficult.I was bankrupt but luckily one of the officials i met at and was in regular contact with linked me up with a lady who got help from [email protected] she retrieved her $180,000 back from the same binary options company.Activebonorum | Homepage is a Trusted Reliable support and Binary Options Recovery Expert who renders any desired hacking services you want/need includes ROMANCE SCAMS, CHANGE OF ANY SCORE GRADES and any other HACKING SERVICES WITHIN 24-48 HOURS. These are happy again client's recovery reviews that were recently helped to put smiles back on their faces after being cheated and scammed of their hard earned money - (Kylie Ford) "I was scammed and scammed and scammed again. I invested with four binary companies and lost all of my investments totaling £450,000 Then I contacted a special someone who offered me help – who specializes in binary recovery and every other hacking services (Hack Ethics). By the end of it all I was able to recover all of my money including my savings and profits. My husband is not around anymore and I have an 8 year old son with learning difficulties. The pressure of being a single, working mother with a child who needs so much additional attention and support became overwhelming for me. I also felt too traumatized to trust anyone else and I was very afraid, Thanks to the contact email, I deserved my trust by helping me get every penny I lost. They have been incredibly helpful .Good day everyone on this platform I wanna use this medium to express how you can recover your lost fund from binary options scam companies or fake brokers if you have been scammed before well i know a lot of people have lost so much of their fund, life saving, retirement saving. investment and even sold a lot properties so that can they can be able to trade more more with binary options broker but it all went negatives ways for them which they don't even expected and I know a lot of people might have lost hope that their fund is gone forever or it can’t be recovered anymore that's (BIG NO).........I have good new I wanna shared with victims sorry for your lost its not easy but i can fully assure you on how you gonna recover your money within days who have loss much fund due to binary scam and i wanna tell there is big advantage to recover all y