a) Website Policy

This Web site is the official website of One97 USA Inc. (‘Paytm’ or ‘we’). The site has been developed to provide information to the general public about Paytm and its products and services. As used in these terms, “Site ” means the entirety of this Web site, mobile app including all content, services, information, and any portions thereof.

The usage of the website is governed by Terms of Use (“Terms”) and Copyright policies as laid down from time to time. It is our endeavor to continue the enhancement and enrichment of this Site in terms of content coverage, design and technology on a regular basis. Hyperlinks at various places have been provided to the relevant representatives only to aid the visitor(s) in accessing information seamlessly.

i) The Site and Online Conduct

This Site provides information about Paytm products and services, news, and other content from Paytm and third parties. Portions of the Site may also allow users to communicate or share information with Paytm or others such as the affiliates of Paytm or other trusted businesses or persons or service providers engaged by Paytm, or institutions that we partner with to assist us with providing you with products/services. You may use the Site only for lawful purposes and in accordance with these Terms. When using this Site, you understand and agree that:

You will only use this Site as intended, and will not use this Site in any way that violates any/all applicable federal, state, local or international law or regulation; You will not disrupt, interfere, infect, or alter (or attempt to do any of the foregoing) the Site in any way whatsoever; While using any forums associated with this Site, you will conduct yourself appropriately and communicate with other users professionally and respectfully; You may not obstruct, remove, or otherwise alter any proprietary rights, compliance, or other notices that may be provided with the content or services on the Site; You will ensure all persons who access the Site through your internet connection are aware of these terms and comply with them .

You may create an online user profile consisting of a username, password, and other information that you provide. It is a condition of your use of the Site that all the information you provide on the Site is correct, current and complete. Any personal information you provide will be subject to Paytm’s  Privacy policy , and you consent to all actions Paytm takes with respect to your information consistent with Paytm’s  Privacy policy .

You understand and agree that you are solely responsible for maintaining the privacy and security of your usernames and passwords, and for any activity associated with your online user profile on the Site. You should use particular caution when accessing your account from a public or shared computer /network so that others are not able to view or record your password or other personal information. In the event that your username and password are compromised or you are aware of any unauthorized activity being conducted with your user credentials, you agree to immediately notify your Paytm relationship manager or Paytm customer care at contact@paytm.com

Paytm reserves the right to withdraw or amend or alter or suspend this Site, and any service or product or material provided on the Site or block your access to Site, in Paytm’s sole discretion without any prior notice. Paytm shall not be liable if for any reasons whatsoever all or any part of the Site is unavailable at any time or for any period. From time to time, Paytm may restrict access to some parts of the Site, or the entire Site, to users, including registered users.

b) Terms of Use

The contents of Site including Paytm’s products and services are provided subject to these Terms of Use (“Terms”) by One97 USA Inc. (‘Paytm’ or ‘we’). Terms of Site including Terms of Use and any disclaimers are a legal and your use of this Site & Paytm’s products or services constitutes your acceptance of the terms and conditions contained herein and Paytm’s Privacy policy incorporated herein by reference, which describes what information we collect, how we use and agreement with whom we share your information, and how we protect your information. Certain areas of the Site may have different terms of use posted applicable for Paytm’s products or services. If there is a conflict between Terms of Use and terms of use posted for such specific area of ​​the Site or applicable for product or service, the latter shall have precedence with respect to your use of that area of ​​the Site or product or services . If you do not agree to these Terms or the  Privacy policy , you may not use this Site or Paytm’s products or services.

Paytm may change, amend, suspend or discontinue any aspect of the Site at any time, including, its content or features. Paytm reserves the right to change the Terms of Use applicable to use of the Site or any terms of products or services any time . Such changes shall be effective immediately as and when placed on the Site or otherwise intimated. However, Paytm is not obliged to provide any specific notice.

i) Paytm Services
The Site may provide information regarding various technology services (collectively, “Services”) offered by Paytm directly or through it’s affiliates or other trusted businesses or persons or service providers engaged by Paytm, or institutions that we partner with to assist us with providing you with products/services. You understand and agree that these Terms along with the terms and conditions of applicable for the use of the Services shall govern your use of such Services.

ii) Intellectual Property
All contents on the Site are the exclusive property of Paytm except the third party content. The software, text, images, graphics, video and audio used on the Site belong to or are licensed to Paytm or its subsidiaries and affiliates. You understand and agree that Paytm or its licensors hold all right, title, and interest to the Site, products and services and all intellectual property, material, content, features, or services provided through the Site, and the design, selection and arrangement thereof. The foregoing applies regardless of (i) the form of intellectual property, (ii) how it was provided to you, or (iii) your geolocation.

You understand and agree that you may only use the content available on this Site as provided to you as per the terms of this Site. You may not copy, modify or create derivative works from, distribute, reverse engineer, alter, or decompile any content or intellectual property contained in or provided through this Site without Paytm’s prior written approval.

If you modify, download or otherwise use or provide any other person with access to any part of the Site in breach of these Terms, Paytm reserves the right to stop your access to the Site or product or service immediately and you must, at Paytm’s option , return or destroy any such materials you have made. Any use of the Site not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark and other laws.

Paytm maintains trademarks, service marks, logos, domain names, and other branding material for its various organizations, products, and services, and has a strong interest in maintaining the integrity of its intellectual property and brand. You understand and agree that you will not use any Paytm trade or service marks, irrespective of whether such marks are registered or not, without the prior written approval of Paytm.

iii) Privacy

The protection of your information privacy and security is important to Paytm. Any information provided by the user will not be shared with any third party, except in the manner provided under these Terms and for the intended purpose for which such information is provided by the user, to which the user hereby gives consent. Paytm complies with and is examined on its compliance with various government regulations regarding the provision of Services, on safeguarding and privacy. Paytm maintains a written information security program based on industry standards that is monitored by Paytm’s Security office.

Please review Paytm’s  Privacy policy  to better understand how we collect, protect, and use your information. Additionally, Paytm may collect and use information about general use of this Site to improve your experience, and better provide products and services. This may involve the use of cookies, which may be disabled through your Web browser.

iv) Links to Third-Party Sites
This Site may contain links to third-party sites, including some operated by our business partners or clients. You understand and agree that Paytm has no control over these third-party sites, and that Paytm is not liable for any errors, damages, losses, or expenses that you may incur while using third-party sites. If you decide to access any of the third party websites linked to this Site, you do so entirely at your own risk and subject to the terms and conditions of use applicable for such websites. You further understand and agree that display of any links, references, logos, or news relating to third parties on Site does not constitute an endorsement of, an advertisement for, or partnership with any such third party.

v) Additional Terms and Conditions
Paytm may host additional Web sites (or portions of this Site) or allow you to access additional services or content, some of which may be provided by third parties. These sites, services, and content may be subject to additional or modified terms and conditions . Any such additional terms and conditions will be provided or made available to you prior to or when accessing these sites, services, or content; and may be provided to you through a hyperlink, a click-through agreement, or other similar means. with this Site, your use of other Web sites, services, or content will constitute your continued acceptance of any additional or modified terms and conditions.

vi) User-Provided Content
While using the Site, you may be asked to and may provide feedback, commentary, information, or other content (collectively, “User-Provided Content”) to Paytm and other entities. Any User-Provided Content, you provide to Paytm will be considered non-confidential and non-proprietary. You grant to Paytm a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, display, and distribute any User-Provided Content provided through this Site; and acknowledge and warrant that you have the right and authority to provide such license to Paytm. You understand and acknowledge that you are responsible for any User-Provided Content you submit or contribute, and you, not Paytm, have full responsibility for such content, including its legality, reliability, accuracy and appropriateness. Paytm is not responsible, or liable to any third party, for the content or accuracy of any User-Provided Content posted by you or any other user of the Site. Paytm has the right to disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.

vii) Termination of these Terms
These Terms will continue until either party chooses to terminate them. This may be done 1) by you at any time by ceasing the use this Site or 2) upon receipt of written notice of termination by Paytm and thereby you ceasing to use and access the Site immediately; or 3) may be done by Paytm with or without notice to you. If you access or use the Site or product or service after providing notice to Paytm, you are assenting to these Terms anew. 

Termination of these Terms by either shall terminate any rights you may have to access any content provided through this Site. Further, any licenses provided to Paytm to use User Generated Content shall remain in effect unless otherwise agreed to in writing by the parties. Provision and termination of Services may be governed by separate agreements between you and Paytm or Paytm partners.

The provisions regarding disclaimer of warranty, accuracy of information, software, database other system or functionality of Site and indemnification shall survive such termination. Paytm may monitor user’s access to the Site.

viii) Exclusion of warranties for your use of the site
You understand that Paytm cannot and does not guarantee or warrant that files available for downloading from this Site will be free of viruses or other destructive code or any spamware/malware. You are solely responsible for

implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to Paytm’s Site for any reconstruction of any loss data. Paytm WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY SITE LINKED TO IT.

PAYTM DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, TO THE FULLEST EXTENT PERMITTED BY LAW. THE INFORMATION PRESENTED ON OR THROUGH THE SITE IS MADE AVAILABLE SOLELY FOR GENERAL INFORMATION PURPOSES. USE OF THIS SITE IS AT YOUR SOLE RISK. THIS SITE IS PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FURTHER, PAYTM DOES NOT WARRANT AND MAKES NO REPRESENTATIONS THAT THIS SITE (OR ANY PORTION THEREOF) WILL MEET YOUR NEEDS OR EXPECTATIONS; WILL BE UNINTERRUPTED, SECURE, OR FREE FROM ERROR; OR THAT INFORMATION IS CURRENT, ACCURATE, OR SHOULD BE RELIED UPON. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

WITHOUT LIMITING THE FOREGOING BUT FOR CLARIFICATION, ALL TERMS AND CONDITIONS FOR SERVICES MAY BE PROVIDED IN SEPARATE AGREEMENTS BETWEEN YOU AND PAYTM INCLUDING BUT NOT LIMITED TO THOSE GOVERNING ANY WARRANTIES, REPRESENTATIONS, INDEMNITIES, OR LIMITATIONS OF LIABILITY RELATED TO SERVICES.

ix) Limitations of liability
IN NO EVENT WILL PAYTM, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, PERSONNEL, AGENTS, OFFICERS OR DIRECTORS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, OR INCIDENTAL DAMAGES INCURRED BY YOU, UNDER ANY THEORY OF LIABILITY AND HOWEVER IT MAY BE CAUSED, EVEN IF FORESEEABLE, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF GOODWILL OR REPUTATIONAL HARM, DATA LOSS, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT , ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE OR SUCH OTHER WEBSITES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, ANY DAMAGE OR HARM CAUSED BY INACCURACY OF THE DATA OR SERVICES PROVIDED (OR YOUR RELIANCE ON SUCH DATA OR SERVICES) , CHANGES TO THE SITE, PERMANENT REMOVAL OF CONTENT FROM THE SITE (INCLUDING USER-PROVIDED CONTENT), OR BREACHES OF THESE TERMS BY YOU. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

x) Indemnification
You agree to defend, indemnify and harmlessly hold Paytm, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages. , judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Site, breach of applicable law including, but not limited to, your User-Provided Content, any use of the Site’s content, services and products other than as expressly authorized in these Terms or your use of any information obtained from the Site.

xi) Changes to the Terms, other Paytm sites
Paytm may, from time to time, change these Terms with or without notice to you. It is your responsibility to review the most current version of these Terms prior to use of the Site. All changes are effective immediately when posted and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

xii) Linking to the Site
You may link to Paytm’s homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of associate, approval or endorsement of You on Paytm’s part. You agree to cooperate with us in causing any

unauthorized linking immediately to cease. Paytm reserves the right to withdraw linking permission at any time, without notice.

xiii) General Legal Terms
These Terms and your use of this Site are subject by the laws of the State of Delaware without regard to its conflict of law’s provisions. Any dispute arising from or related to these terms may only be brought in the courts located in Delaware. Although you may access this Site in other states or countries, your use of this Site still subjects you to the exclusive jurisdiction of courts in Delaware. These Terms are provided to you in any language other than English are for your convenience only; the English-language version will govern use of this Site.

Paytm may occasionally provide you notices about changes to this Site, including the services and content provided in it. Such notices may be provided via email, standard mail, or through pop-up’s on the Site.

You also understand and agree no waiver of by Paytm of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Paytm or any Paytm Affiliates to enforce their rights under these Terms or at law will not be considered a waiver of such rights.

If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.

These Terms and the Paytm  Privacy policy  constitute the entire agreement between you and Paytm regarding your access and use of the Site, and may be modified or changed only upon separate written agreement provided by Paytm. These Terms supersede any previous terms, conditions, or agreements of the parties regarding the use of the Site. Other Paytm Web sites may provide changes or additions to these Terms.

All other feedback, comments, requests for technical support and other communications relating to the Site should be directed to  contact@paytm.com .

c) Copyright

Except as specifically permitted herein Paytm is the owner of copyright in all information featured on this Site and no portion of the information on this Site may be reproduced on or transmitted to or stored in any other Site or in other form of electronic retrieval system or by in any other form or by in any other means.

Visitors or users may view, print copies in hard copy and download the information for personal and non-commercial purpose without in any way amending, altering, deleting or modifying any part of the information and provided full acknowledgment that the information originated from Paytm’s website is given in the copy of the material. Information may be used for commercial purpose after obtaining prior permission or authorization of Paytm. Visitors or users must inform third party that material may not be copied or reproduced in any way.