Terms and Conditions

Website terms of use

This Web site is provided subject to these Terms of Use (“Terms”) by One97 USA Inc. (‘Paytm’ or ‘we’). As used in these Terms, “Site” means the entirety of this Web site, mobile app including all content, services, information,  and any portions thereof. These Terms are a legal agreement, and your use of this Site 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 with whom we share your information, and how we protect your information. If you do not agree to these Terms or the Privacy policy, you may not use this Site.

Paytm reserves the right to withdraw or amend this Site, and any service or material provided on the 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.

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 or other social networking tools, 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; and Paytm may, at any time and for any reason, terminate or block your access to this Site, or remove or alter the Site (or any portion thereof) at any time with or without any notice.

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.

Banking & Financial Products

The Site may provide information regarding various banking and other financial products and services – including but not limited to deposit or financing products, credit lines, financial management or consulting (collectively, “Financial Services”) – offered by Paytm or  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 While these Terms will govern your use of this Site, separate agreements will govern provision of Financial Services. You understand and agree that the terms and conditions of these other agreements for Financial Services solely govern your use of such Financial Services – these Terms shall only govern your use of this Site.

Intellectual Property

You understand and agree that Paytm or its licensors hold all right, title, and interest to the Site 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, 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 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.

Privacy

The protection of your information privacy and security is important to Paytm. Paytm complies with and is examined on its compliance with various government regulations regarding the provision of Financial Services, including the Gramm-Leach Bliley Act rules on safeguarding and privacy. Paytm maintains a written information security program based on i 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.

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 for such websites. You further understand and agree that any links, references, logos, or news relating to third parties does not constitute an endorsement of, an advertisement for, or partnership with any such third party.

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. As 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.

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.

Termination of these Terms

These Terms will continue until either party chooses to terminate them. This may be done by you at any time upon (1) receipt by Paytm of written notice of your termination and (2) your ceasing to use and access the Site immediately; or may be done by Paytm with or without notice to you. If you access or use the Site 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 Financial Services are governed by separate agreements between you and Paytm or Paytm partners..

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 FINANCIAL SERVICES ARE 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 FINANCIAL SERVICES.

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.

INDEMNIFICATION

You agree to defend, indemnify and hold harmless 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.

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.

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.

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.

BETA BOOST EMPLOYEE REFERRAL PROGRAM: INCENTIVE PROGRAM TO INTERNAL PAYTM EMPLOYEES AND THEIR CIRCLE OF INFLUENCE TO GET USERS TO SUCCESSFULLY SUBMIT A PAYMENT NOW THROUGH DECEMBER 31, 2021. 

*Offer is valid from 11/24/2021 12:00 AM MST to 12/31/2021 11:59 PM MST. By participating in the promotion, Paytm employees and participating businesses automatically accept the current Terms & Conditions in order for the entry to be complete. 

The Beta Boost program is an internal employee referral program that incentivizes Paytm Labs employees to reach out to friends, family, and their circle of influence in order to get initial businesses onboarded through the program. Eligible customers or businesses must be US-registered businesses in good standing. Incentives include: $100 gift card or $500 gift cards for each employee and each business owner. The amounts of each gift card will be determined by whether the customer’s business is in Paytm’s target market demographic which are merchants who primarily do business online (e-commerce) who have revenues between $1M-$10M. If the revenue is unknown, then employee count can be a proxy. Employee counts of 2-20 will be accepted as the target segment. It is at Paytm’s sole discretion to determine which gift card amount, the employee and the customer will receive upon successful completion of required actions listed below.


To successfully qualify for one of the two gift card amounts, the customer, brought in by the employee, must take the following steps: (1) create an account on paytm.com/en, (2) successfully onboard on the program and complete KYB/KYC steps via https://dashboard.getpaytm.com, (3) complete a successful invoice payment to an outside third-party vendor, and (4) following the completion of the payment, complete a survey about their experience. This survey will be sent by the Paytm team following the successful invoice payment to a third party vendor. 

Paytm will determine what constitutes a successful invoice payment and will follow these guidelines: it cannot be a payment made to another account the merchant or employee is in control of, meaning it must be a payment made to a vendor or contractor to the business. There are no invoice limit amounts in order to qualify as a successful invoice. Unsuccessful transactions are not considered a successful invoice and therefore do not qualify for the gift card. Only if all required actions have been completed will the employee and customer be eligible for the gift card promotions. Once a customer has completed all steps and once this has been verified by Paytm, at Paytm’s sole discretion to determine whether or not the steps were successfully completed, then gift cards will be sent out to the employee and the customer. Promotion is valid for one gift per business and per individual.

Each eligible employee and customer recipient, subject to verification, will receive an electronic gift card (approximate value of $100 or $500). All confirmed Prize Winners will be notified via email from Paytm of their gift card. Gift cards will be sent electronically. It is the winner’s sole responsibility to receive and obtain the gift card from his or her email. If the winner can’t find the email or loses the gift card in any way, under any circumstances, the winner will forfeit the prize. Paytm is not responsible in any way for the winners ability to access the gift card. Eligible gift cards will be sent out as soon as possible but within a maximum 60-day window from the completion of all required actions. Gift cards will be emailed electronically to the contact name and email address associated with the Paytm account that successfully completed the required actions and sent a payment. No exceptions will be made. All entries into the promotion must be done within the set promotion time period outlined above. Sponsor has the right to shut down the promo at any time, for any reason. 


BLACK FRIDAY/CYBER MONDAY: $100 AMAZON GIFT CARD WITH SUCCESSFUL FIRST PAYMENT THROUGH PAYTM PLATFORM.

*Offer is valid from 11/24/2021 12:00 AM MST to 11/30/2021 11:59 PM MST. By participating in the promotion, customers automatically accept the current Terms & Conditions in order for the entry to be complete.

In order to qualify  for the $100 Amazon gift card promotion, the customer must successfully create an account, onboard onto the Paytm platform at paytm.com/en (which requires successfully verifying their business, adding a payment method, adding a third-party vendor, and adding an invoice), and successfully pay an invoice through the Paytm dashboard (https://dashboard.getpaytm.com). There are no invoice limit amounts in order to qualify as a successful invoice. Unsuccessful transactions are not considered a successful invoice and therefore do not qualify for the gift card. 

Only if all required actions have been completed will the customer be eligible for the $100 Amazon gift card promotion. Once a customer has completed all steps and once this has been verified by Paytm, at Paytm’s sole discretion to determine whether or not the steps were successfully completed, then gift cards will be sent out to customers. Promotion is valid for one gift per business and per individual. Each eligible recipient, subject to verification, will receive an electronic $100 gift card (approximate value $100). All confirmed Prize Winners will be notified via email from Paytm of their $100 gift card. Gift cards will be sent electronically. It is the winner’s sole responsibility to receive and obtain the gift card from his or her email. If the winner can’t find the email or loses the gift card in any way, under any circumstances, the winner will forfeit the prize. Paytm is not responsible in any way for the winners ability to access the gift card. Eligible gift cards will be sent out as soon as possible but within a maximum 60-day window from the completion of all required actions. Gift cards will be emailed electronically to the contact name and email address associated with the Paytm account that successfully completed the required actions and sent a payment. No exceptions will be made. All entries into the promotion must be done within the set promotion time period outlined above. Sponsor has the right to shut down the promo at any time, for any reason.