These terms set out the general terms (“User Agreement”) that apply when you use Tata Pay (defined below).

Tata Payments Limited (“TPL”, “we”, “us” or “our”), a company incorporated under the laws of India, offers payment services, including bill payments and UPI (“Tata Pay”), which lets you (“you”, “your” or “User”) pay merchants, persons and billers as per the applicable law. Tata Pay is made available to you on the Tata Pay platform (“Platform”) through the “www.tataneu.com” website and Tata Neu mobile application operated by Tata Digital Private Limited (“Tata Neu”). By using services and functionality of Tata Pay, you agree to this User Agreement and to the service specific terms set out in the Annexures, as applicable. If you do not agree to the terms of the User Agreement including the service-specific terms, you must not use the Platform. If there is a conflict between the general terms of the User Agreement, the service specific terms and the promotional offer terms:

for the UPI services, the UPI Terms (Annexure II) will apply;

We may amend the User Agreement including any service specific terms annexed to the User Agreement at any time by posting the updated version on the Platform. The “Last updated” date indicates when the terms of the User Agreement were last revised. Where required under applicable law, we may notify you through the Platform or your registered contact details. Your continued use of the Platform shall mean that you accept the updated terms. Please review this User Agreement from time to time.

3.1. To avail the Tata Pay services, you must be at least 18 years old, of sound mind, a resident of India and otherwise eligible to contract under applicable law subject to the additional eligibility criteria for specific services offered by Tata Pay.

3.2. If you do not meet our eligibility requirements, your use of Tata Pay will be limited.

4.1. To use Tata Pay services, you need to register for an account with Tata Neu (the “Membership Account”) by providing complete and accurate registration information, including your name, phone number, email ID and such other details as set out in the registration form on Tata Neu subject to the terms of use of Tata Neu.

4.2. You understand and agree that by availing the Tata Pay services through Tata Neu, you get registered for Tata Pay with Tata Payments Limited. You authorise us to receive and use the information provided by you at the time of creation of Membership Account to register you for Tata Pay, as required.

4.3. You confirm that: (i) all information you provide is true, accurate, current and complete, and you will keep it up to date; (ii) you will not access the Platform using bots, scripts or any other automated tools; and (iii) you will not use the Platform for any illegal or unauthorised purpose.

4.4. We treat all activity under your Membership Account as yours. You must use Tata Pay only on your own Membership Account and not on behalf of anyone else.

5.1. Your mobile number, one-time passwords (OTP), passwords, and any other login details we enable (together, the “Credentials”) are personal to you. Keep your Credentials secret, keep your devices safe, and do not share your Credentials with anyone. You are responsible for everything done using your Credentials or through your Membership Account including any payment transaction(s).

5.2. If you suspect your Credentials are lost, stolen, misused, or otherwise not secure, or if your Membership Account is used without your authorisation, you must notify us immediately using the contact details set out in the Communications section of this User Agreement. We may suspend, block or restrict access to your Membership Account with Tata Pay until the issue is resolved.

5.3. You are responsible for all losses from an unauthorised transaction, (i) if you acted fraudulently; or (ii) failed, intentionally or negligently to use your Membership Account in accordance with this User Agreement and applicable laws; or (iii) failed to protect your Credentials; or (iv) to notify us as set out above.

6.1. We only facilitate payments that you authorise or initiate as part of the Tata Pay services, and we are not (i) the buyer or seller of the products or services involved in the sales transaction between you and a merchant; or (ii) a party to the fund transfer between you and the intended recipient. Tata Pay services and functionalities may be provided using one or more third parties, affiliates, processors, regulatory authorities or financial institutions (the “Processors”), and the features available to you may vary depending on the Processors and/ or merchant.

6.2. We will not mediate disputes between you and a merchant or enforce any sales contract.

6.3. In case of a transaction which remains non-executed or defectively executed by us through our Processors, we will rectify the error, subject to the terms of this User Agreement and service specific terms in accordance with the applicable laws.

6.4. Once this User Agreement terminates, we will have no further obligation to you except as required under the applicable law.

7.1 We collect and process the personal information and data you generate when using Tata Pay in accordance with the Privacy Notice and applicable law. The Privacy Notice prevails over any conflicting provision of this User Agreement in that respect.

7.2. We may share your payment related information, including transaction data, with the Processors, and/ or merchants for operations, settlement, payment processing, loyalty programs, and promoting Tata Pay.

7.3. You consent to us storing your information and the details of your payment instruments, including but not limited to your bank account number, tokenised card details, etc, to complete payments.

8.1. Some features of Tata Pay may be limited based on your location, the information you provide or our risk parameters. You must give us or our Processors any information we need to provide Tata Pay services or that is required under applicable law or regulatory guidelines.

8.2. When a payment is authorised to or from your Membership Account, we will update your account activity on the Platform and issue a transaction confirmation, directly or through our Processors. This confirmation is your proof of payment, and the merchant may also send you a separate one. Summaries of your account activity, including monthly statements, are available in the “Transactions” section of the Platform.

8.3. You are responsible for keeping your own records of all transactions and other data relating to your Membership Account and your use of Tata Pay, and for reconciling all payment activity on your Membership Account.

9.1. You must comply with all applicable laws, rules and regulations applicable to your use of the Tata Pay services, i.e. UPI Services, BillPay Services and Tokenisation Services. You must not act as a payment service provider, intermediary or aggregator, or otherwise resell the Tata Pay services on our behalf or on behalf of any third party, including by processing or transmitting funds for them. We may inspect your Membership Account for any reason, including to investigate an alleged breach of this User Agreement or any third-party complaint.

9.2. You must not use the Tata Pay services in any way that causes, or is likely to cause, Tata Pay or other users’ access to it to be interrupted, damaged or impaired.

9.3. You, and not we or our affiliates, are responsible for all electronic communications and content sent from your computer/ mobile device or other systems to us and to the persons you transact with using the Tata Pay services. You must use the Tata Pay services for lawful purposes only, and must not use them: (i) for fraudulent purposes, or in connection with a criminal offence or other activity that breaches applicable law; (ii) for any cause or action that breaches the User Agreement, the service specific terms or the Terms of Use of Tata Neu; or (iii) to cause annoyance or inconvenience to anyone else.

9.4. Technical Specifications and Updates. You must comply with any technical and operational specifications we provide or make available for Tata Pay (the “Specifications”). We may update or modify the Specifications, and may modify, update or upgrade the Tata Pay services and functionalities, at any time. The fact that a particular functionality is available when you enter into this User Agreement does not mean that it will continue to be provided.

10.1. Term. This User Agreement starts on the earlier of the date you make a purchase using Tata Pay services or register for a Membership Account and use Tata Pay services on the Platform or at any other platform, and continues until terminated under this Clause 10.

10.2. Suspension and Termination

10.2.1. You may terminate this User Agreement by contacting us at customercare@tataneu.com.

10.2.2. We may terminate this User Agreement at any time, for any reason, without written notice. We may also suspend your access to Tata Pay, and block or deactivate your Membership Account, if you (i) breach this User Agreement including any service specific terms; (ii) pose an unacceptable credit or fraud risk to us; (iii) provide false, incomplete, inaccurate or misleading information, including registration information; (iv) act fraudulently or illegally; or (v) if we have security concerns about your Membership Account or Credentials or suspect unauthorised or fraudulent use of your Membership Account or of any payment information in it.

10.2.3. Where possible, we will tell you before we deactivate your Membership Account or suspend Tata Pay services, and in any event promptly afterwards, together with the reasons, unless doing so would compromise security or is prohibited by applicable law. We will reactivate or replace your Membership Account and/ or Tata Pay services, respectively once the reasons for deactivation have been resolved to our satisfaction.

10.3. Effect of Termination

10.3.1. We are not liable for any compensation, reimbursement and damages arising out of such termination or suspension of your Membership Account with Tata Pay or availability of Tata Pay services.

10.3.2. On termination of this User Agreement, you will remain liable for all fees, charges and other payment obligations incurred up to the termination date. All licences and other rights granted to either party will end immediately, your access to the Platform will end, and your Tata Pay Membership Account will be deactivated.

10.4. Survival

In addition to your payment obligations arising under this User Agreement, Clauses 6 (Our Role), 7 (Privacy), 10.3 (Effect of Termination), 11 (Communications), 12 (Intellectual Property), 13.1 (Indemnity and Release), 14 (Tax), 15.1 (Disclaimer and Limitation of Liability) and 16 (Miscellaneous) of this User Agreement shall survive and remain in effect in accordance with their terms upon the termination of this User Agreement.

11.1. When you use Tata Pay, you acknowledge and agree that we may contact you including but not limited to by e-mail, SMS, phone call, notices on the Platform, or any other permitted mode. You must provide a valid phone number to process transactions. We may contact you about your account, transactions, payment reminders/ updates, functionalities of Tata Pay, Platform promotions, third party/ merchant offers, loyalty programs, our and/ or affiliates or third-party new products, complaints or support, surveys and feedback.

11.2. For any grievances arising out of related to the Tata Pay services, you can write to us on customercare@tataneu.com.

11.3. If you submit comments or ideas about Tata Pay with us, you agree that we may use or share them without restriction, confidentiality obligation or payment to you.

11.4. Some Tata Pay features may show advertisements or promotions, which you agree we may place as consideration for granting you access to Tata Pay.

12.1. The Platform, including all software, code, databases, designs, functionality, website design, text, images, graphics, audio, look and feel, video and other materials available on or through it (the “Content”), and the trademarks, service marks, trade names, logos and branding used on or in connection therein (the “Marks”), are owned by or licensed to us and are protected by applicable laws. Any content, trademarks, logos or other materials of Processors, are subject to their own terms. You must not interfere with, challenge, register or claim ownership of these rights anywhere in the world.

12.2. We grant you a limited, revocable, non-exclusive, non-transferable and non-sublicensable licence to access and use the Platform, the Content and the Marks solely for your personal, non-commercial use and strictly in accordance with these terms of User Agreement. This licence does not confer any right, title or interest in Platform, the Content or the Marks. All rights not expressly granted to you are reserved.

12.3. Except as these terms allow, you must not copy, reproduce, republish, upload, post, publicly display, translate, transmit, distribute, sell, license, frame, mirror, create derivative works from, or commercially exploit any part of the Platform, the Content or the Marks without our prior written permission, and you must not reverse-engineer, decompile, disassemble or otherwise replicate any of them.

13.1. Indemnity

You agree to defend, indemnify and hold harmless Tata Payments Limited, its Processors, affiliates, and their officers, directors, employees, agents and representatives from and against any loss, damage, liability, claim or demand (including reasonable attorneys’ fees) arising out of:

13.1.1. your use or misuse of Tata Pay services;

13.1.2. your breach of this User Agreement including any service specific terms;

13.1.3. improper or fraudulent information provided by you or misuse of the information by you;

13.1.4. any breach of the representations, warranties, and covenants made by you;

13.1.5. any dispute caused by your act or omission (including third party claim) as a result of or in connection with your use of the Tata Pay services; or

13.1.6. your negligence, breach of applicable law, or violation of a third party’s rights.

13.2. Release

13.2.1. We are not responsible for merchants, third parties, or events beyond our reasonable control, including their acts, omissions, products, offers, marketing materials, websites, sales channels, delays (including payment delays), unauthorised use, errors (any pricing or typographical errors, errors of description or errors regarding merchants), or any indirect or business losses.

13.2.2. You release us, our affiliates, and their directors, officers, employees, agents and representatives from any related claims or demands that you may have in this regard under any statute or contract, in equity or otherwise. TPL reserves the right to correct, without notice, any errors.

14.1. Unless stated otherwise, any and all fees payable by you for use of Tata Pay are exclusive of taxes, we must charge under applicable law.

14.2. If we must deduct taxes from any payment to you, we may do so and pay them to the relevant authority on your behalf. You must not make any claim against us relating to such deduction and provide any documents we need for tax reporting or compliance, including your PAN with respect to any payment made using Tata Pay.

15.1. Disclaimer of Warranties and Limitation of Liability

15.1.1. Tata Pay, and all related information, content, materials and services, are provided “as is” and “as available”, and you use them at your sole risk. To the fullest extent permitted by law, we disclaim all express or implied warranties, including merchantability, satisfactory quality, suitability, reliability, completeness, performance, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing or trade usage. We do not warrant that Tata Pay and related services will meet your requirements, or that it will be available, accessible, uninterrupted, timely, secure, error-free or contain any particular features, or that electronic communications sent by us or our affiliates will be free of viruses, malware or other harmful components. You must use your own judgement before entering into any transaction using Tata Pay.

15.1.2. We do not have any right, title or interest in the products or services sold by merchants on the Platform. We do not warrant, endorse or take responsibility for any product or service offered by a merchant, Processor or other third party through Tata Pay, and we have no obligation or liability in respect of any transaction or dealing between you and a merchant. The contract for any product or service is solely between you and the relevant merchant, and any dispute relating to it (including quality, delivery, or refunds) must be pursued against that merchant. We are not liable for any act, omission or breach of any condition, representation or warranty by a merchant.

15.1.3. To the fullest extent permitted by law, we, our Processors, and our and their respective employees, directors, agents and representatives will not be liable for any indirect, incidental, special, punitive or consequential damages, or any business losses, including loss of profits, revenue, contracts, anticipated savings, data, goodwill or wasted expenditure, arising out of or in connection with this User Agreement, Tata Pay, your use of or inability to use Tata Pay, any termination or suspension of Tata Pay or your Membership Account, or any products, services or transactions made through Tata Pay.

15.1.4. To the maximum extent permitted by applicable law, our total aggregate liability to you for all claims arising under or in connection with this User Agreement including service specific terms, including any direct damages, shall not exceed INR 10,000 (Indian Rupees ten thousand only).

15.2. Governing Law

This User Agreement including its specific services terms contained in the annexures and your use of the Platform are governed by the laws of India, and the courts at Mumbai shall have the exclusive governing jurisdiction.

15.3. Disputes

15.3.1. Subject to the grievance redressal mechanism under the service specific terms, if any dispute arises in relation to this User Agreement including any services specific terms annexed to this User Agreement (a `dispute`), the Dispute must be notified in writing by the party raising it to the other party. The parties will then attempt to resolve the Dispute in good faith through discussions for a period of at least ninety (90) days from the date of that notice or such shorter period as maybe required under applicable laws, before either party commences arbitration. If the Dispute is not resolved through discussions within that period, it will be finally settled by binding arbitration under the Arbitration and Conciliation Act, 1996. Each party will appoint one arbitrator, and the two arbitrators so appointed will appoint a third arbitrator to act as chair. The juridical seat and venue of arbitration will be Mumbai, India, and the proceedings will be conducted in English. The award may be enforced in any competent court in Mumbai.

15.3.2. Arbitration does not apply to: (a) Disputes about the enforcement, protection or validity of either party’s intellectual property rights; (b) Disputes arising from allegations of theft, piracy, invasion of privacy or unauthorised use; or (c) claims for injunctive relief.

16.1. This User Agreement along with its service specific terms annexed hereto are the entire agreement between you and us for the Tata Pay services. Our failure to enforce any provision is not a waiver of it.

16.2. We may assign our rights and obligations at any time; you may not sell, assign or transfer your rights and/ or Membership Account.

16.3. We are not responsible for delay or failure to perform due to events beyond our reasonable control, including natural disasters, war, terrorism, civil unrest, epidemics, pandemic, government action, change in law which prevents our performance of these terms of the User Agreement, labour disruptions, internet or telecom failures, cyber incidents, power failures, failures of banks, payment systems or third-party service providers, or other events beyond our control or where we are bound by legal obligations under the applicable laws.

16.4. If any provision of the User Agreement is unlawful or unenforceable, it is severed and the rest remains in force.

16.5. The User Agreement does not create any joint venture, partnership, employment or agency relationship between you and us, and will not be construed against us as drafter.

16.6. Except as expressly stated, no third party may enforce the terms under the User Agreement.

16.7. Nothing contained in this User Agreement including service specific terms will limit TPL, its affiliates and/ or service providers to exercise any legal or equitable rights or remedies.

We offer recharge and bill payment services (“Bill Pay Services”) that let you recharge your prepaid services (including prepaid mobile, data, DTH recharge) and pay bills of the entities providing services including utility and payment services. The Bill Pay Services are provided through a biller aggregator or a Bharat Bill Pay Operating Unit (“BBPOU”) The entities that raise the bills you pay (such as utility, telecom, gas or other service providers) are referred to as “Biller(s)”.``

By using the Bill Pay Services, you agree to these terms (“BillPay Terms”), read with the User Agreement and our Privacy Notice.

We may change these Bill Pay Terms as explained in the Changes section of the User Agreement.

When you use the Bill Pay Services on the Platform, the relevant Biller’s terms and conditions apply to you in addition to these Bill Pay Terms. In the event of conflict between the Biller’s terms and conditions and the BillPay Terms, Bill Pay Terms will apply.

1.1. The eligibility criteria applicable for availing the Tata Pay services is applicable for Bill Pay Services.

2.1. We facilitate Bill Pay Services for the categories we offer from time to time under the “Pay Bills” section of the Platform.

2.2. Under the scope of the Bill Pay Services, we are only a facilitator of payment and are not a party to the underlying payment transaction for which the payment is made. However, in certain scenarios, we may act as the Biller’s collection agent and receive funds from you on behalf of a Biller for the limited purpose of accepting and remitting such funds to that Biller.

2.3. Offers made to you by Billers or any third party on the Platform are between you and the Biller and such third party. We are not responsible for the content of those offers or for their fulfilment.

3.1. To avail the Bill Pay Services (including mobile recharge or bill payment), you must provide the unique customer or subscription identity number, bill number, registered mobile or telephone number, or other identifier needed to fetch the amount due, subscription plan, due date, outstanding amount and any other information required to make the payment to your account with the Biller (“Bill Payment Information”).

3.2. You authorise us to access, fetch, use and store the Bill Payment Information and also share it with the Biller, on an ongoing basis and on your behalf.

3.3. If you use the Bill Pay Services to fetch bill details or make payments for someone else using their Bill Payment Information, you must have that person’s consent. You confirm that you have all rights and permissions needed for us to use their Bill Payment Information on an ongoing basis and to access their bill details from the Biller. As between you and us, any claim raised by that person lies solely against you.

3.4. We will endeavour to complete the Bill Payment Services transaction within 7 (seven) business days.

3.5. Correct and up-to date information is essential to fetch the right bill or subscription amount. You are solely liable for the accuracy of all Bill Payment Information you provide to us for Bill Pay Service.

3.6. Once you add a Biller on the Platform, you agree that we will, from time to time, fetch through the Bharat Bill Payment System (“BBPS”) your current and future bill details and payment status for your account with the relevant Billers, and display such information to you on the Platform.

3.7. You also agree that we may set up a reminder facility and send you notifications and reminders regarding upcoming and outstanding dues towards your Billers.

3.8. You authorise us to share your Bill Payment Information along with identifier data and other personal information with the Biller, BBPOUs, third party service providers and aggregators to process the transaction and for tax purposes.

3.9. You expressly authorise us through the Platform to access and analyse SMS messages on your mobile device to identify pending, upcoming, or due bills and to help you discover, add, and pay such bills through the App.

3.10. We may also support auto debit facility for bill payment to the Billers.

3.11. You understand that transactions once carried out and the payments once made to the Billers for Bill Pay Services shall be non-refundable.

4.1. You may incur access, third party payment or data charges from third party payment participants or the Billers. You are responsible for those charges, and we are not liable for any charge imposed by them.

4.2. We may levy and recover fees, including convenience fees, for your use of the Bill Pay Services on the Platform. Where applicable, we will display these fees on the Platform prior to the payment, and they will apply from the time they are posted. We may determine these fees, and any fee charged will be inclusive of all applicable taxes.

When you use the Bill Pay Services:

5.1. You must comply with all applicable law, including any BBPS guidelines that apply to your use of the Bill Pay Services.

5.2. You must check your bill details carefully before making any payment, and contact your Biller about any discrepancy. The amount payable, recharge or subscription value is agreed between you and the Biller, and we have no obligation to verify it. You should always verify your bill payment requests against the statements or payment records provided by the Biller.

5.3. You must verify the status of each bill payment, whether successful or failed, from your transaction history on the Platform or the notifications we send to you.

5.4. You are responsible for tracking and scheduling your bills, subscription fees, recharge expiries and due dates for any utilities, services or recurring charge services you use.

5.5. You are responsible for any duplicate standing instructions, delayed payments, and any penalty or interest charged by the Biller on payments made.

5.6. You understand that the realisation time differs for each Biller. We will make payments to Billers only on your instructions, and we are not responsible for any delay, reversal or failure of a transaction.

5.7. You understand that if you send a payment to the wrong Biller, pay twice or send the wrong amount, for example because of a typing error, your only recourse is to contact the Biller you paid and ask for a refund. You acknowledge that all risks arising out of online transactions will be borne by you.

6.1. Payments made to a Biller are non-refundable, and any refund will be subject to that Biller’s terms and conditions.

6.2. In the event (i) the funds have been debited from your source account but the Biller has not received payment confirmation; or (ii) a transaction is rejected/ subsequently reversed by the Biller; or (iii) where the Biller has agreed to initiate a refund due to exceptional circumstances (any fees charged by TPL shall be non-refundable for the above-mentioned Biller-initiated refund under exceptional circumstances), you understand and agree that any refunds or reversals may take up to 3-7 business days to reflect in the source account (the payment instrument) from the date the Biller initiates such refunds/ reversals.

6.3. Kindly check your account statement to verify the same. The Biller will generally inform you when the refund/ reversal has been initiated.

7.1. For any grievance or issue, please contact us at grievances@tataneu.com.

7.2. If you wish to opt out of any data sharing, please contact us at grievances@tataneu.com. Further, if we do not wish to receive future bill reminders, you may delete the concerned Biller under ‘Manage Billers’ section of the Platform.

8.1. We and our third party partners make no warranty, express or implied, about the quality of the Bill Pay Services, including that they will meet your requirements, that they will be uninterrupted, timely or error-free, or that any product, information or material you obtain through them will meet your requirements.

8.2. We will not reimburse you or reverse a payment you have made in error. We are not responsible for any technical issue in retrieving bills periodically from Billers, or for any error or discrepancy in the bills.

8.3. You may enter an ad-hoc amount for a bill payment or recharge, but acceptance is at the Biller’s discretion. We are not liable for any failure by a Biller to effect a recharge or other bill payment, or for the quality of service provided by a Biller, and any dispute about this must be resolved directly between you and the Biller.

8.4. We facilitate the recharge of your prepaid mobile, data or other accounts. The actual mobile, data or other service is provided by your prepaid service provider, such as the telecommunications provider whose account you hold (“Prepaid Service Providers”), or by their distributors and aggregators, and not by us. You are solely responsible for selecting an appropriate plan offered by the Prepaid Service Provider and for complying with its terms. The plans shown on the Platform are for reference only, may not be current and may have changed. You must check the latest plans and details with your Prepaid Service Provider before making a transaction.

Except as expressly stated in these BillPay Terms, all provisions of the User Agreement apply to the BillPay Services, including those on term and termination, intellectual property, indemnity and limitation of liability, privacy and compliance with applicable law. Any breach of these BillPay Terms is also a breach of the User Agreement.

We offer payment services based on the Unified Payments Interface (“UPI”) on the Platform, in association with the PSP Bank (defined below). These services let you make payment transactions or receive payments using UPI (“UPI Services”). The UPI Services are being offered under the brand ‘Tata Neu UPI’.

By using the UPI Services, you agree to these terms (“UPI Terms”), read with the User Agreement and our Privacy Notice. Additionally, you also agree to the Axis Bank UPI Terms and Conditions [at https://www.axis.bank.in/docs/default-source/default-document-library/axis-bank-upi-terms-and-conditions.pdf] and terms of any other PSP Bank (“PSP Bank Terms”)

If there is a conflict between the PSP Bank Terms and these UPI Terms, these UPI Terms will apply to the UPI Services.

We may change these UPI Terms as explained in the Changes section of the User Agreement.

1.1 “Bank Account” shall mean any bank account issued by a regulated entity where money can be held, and/or debited from or credited to.

1.2. “NPCI” means the National Payments Corporation of India, the entity authorised by the Reserve Bank of India (“RBI”) to provide and manage UPI and acts as the settlement/clearing house/regulatory agency for UPI.

1.3. “Payment Account” shall mean any payment instruments issued by a regulated entity where money can be held, and/or debited from or credited to.

1.4. “PSP Bank” means a payment service provider bank, who are member of UPI ecosystem of NPCI and are allowed to issue virtual addresses to the customers using which a customer may complete UPI transactions.

1.5. “TPAP” means a third-party application provider. We are the TPAP for the UPI Services.

1.6. “UPI ID” means the virtual payment address created when you register for UPI Services and use to make payments, in accordance with the procedural guidelines issued by NPCI from time to time.

1.7. “UPI Number” shall mean an 8–9-digit number or your 10-digit mobile number registered for UPI Services, as the case maybe, which you choose to act as a proxy to your UPI ID.

1.8. “UPI PIN” means the four-or six-digit numeric PIN used to authenticate a UPI transaction, as required under the procedural guidelines issued by NPCI.

2.1. Eligibility for UPI Services: The eligibility criteria applicable for availing the Tata Pay services is applicable to the UPI Services.

2.1.1. If you do not meet the eligibility requirements, you may not be able to use or your use of the UPI Services will be limited. The eligibility criteria for the UPI Services may include our or PSP Bank’s security policies as well and we may reject your registration for or access to the UPI Services if any security concerns relating to you are identified. We treat all activity under a UPI ID as yours. You must not use the UPI Services on behalf of anyone else, and you must keep your registration information current and accurate.

2.2. Registration: The registration for UPI is a standard process defined and governed by NPCI under the UPI guidelines and may change from time to time. The registration process may include accessing your mobile network, location information, sending an SMS from your phone to verify, validate, register and link your Bank Account/ Payment Account on UPI, and create your UPI ID.

2.2.1. You can register for the UPI Services on the Platform as follows:

2.2.1.1. Sign-in to Tata Neu using your Credentials.

2.2.1.2. On the Tata Neu landing page, click on any UPI icon/ scan QR; or select UPI as a payment method for your transactions on Tata Neu. You may also register for the UPI Services at the time of registering for or signing-in to the Tata Neu application as per the process mentioned below.

2.2.1.3. To register, verify your mobile number by clicking ‘Send SMS’. Your Membership Account mobile number will be used for UPI registration and must be linked to the Bank Account/ Payment Account you want to use for UPI. As part of the verification process, we will access your mobile number and network provider details and send an SMS to the PSP Bank to link your device with your mobile number.

2.2.1.4. If your Membership Account mobile number is not linked to your Bank Account/ Payment Account, you will have to change the same under the profile section of the Tata Neu before you can proceed to register for the UPI Services.

2.2.1.5. Once your mobile number is verified, select the bank/issuer associated with the Bank Account/ Payment Account you want to link. By linking the account, you confirm that it belongs to you and that you are authorized to operate it.

2.2.1.5. Once your mobile number is verified, select the bank/issuer associated with the Bank Account/ Payment Account you want to link. By linking the account, you confirm that it belongs to you and that you are authorized to operate it.

2.2.1.6. You will then be issued a UPI ID and your Bank Account/ Payment Account will be linked. Your UPI ID is the virtual address needed for your UPI transactions, and will be saved for future transactions.

2.2.1.7. Set a four- or six-digit UPI PIN, if one is not already set for the selected Bank Account/ Payment Account.

2.2.1.8. The mobile device on which you register for UPI Services, shall become your registered device for the purposes of UPI Services with us and device details shall be stored by us. The moment you log into your Membership Account from a different device for availing the UPI Services, you will have to verify your new device, after which the new device becomes the registered device. You will not be able to access UPI Services using your previous device until you re-login and re-authorize yourself on that device.

2.2.2. We presently support Bank Account, Rupay credit card and credit line as Payment Account and may support/ enable other payment instruments in the future. Please see the Platform for the additional payment instruments supported.

2.2.3. Add Account

2.2.3.1. You can add additional Bank Account/ Payment Account to the payment methods (i) by clicking on ‘Add Account’ under ‘UPI Settings’ section; or (ii) by scanning the QR code provided by the issuer of the Bank Account/ Payment Account using the Platform QR scanner; or (iii) clicking on the link provided by the issuer of the Bank Account/ Payment Account; or any other mode as permitted by NPCI from time to time. Further, please note that any of the modes of adding account are subject to change as per our, PSP Banks or NPCIs discretion.

2.2.3.2. By default, you will be shown an option to link a Bank Account. You can toggle to the Payment Accounts such as credit card or credit line on the same page.

2.2.3.3. Upon selecting the Bank Account/ Payment Account to be added, you will be shown a list of banks/issuer for linking your Bank Account/ Payment Account.

2.2.3.4. Select your bank/issuer, and the linked Bank Account or Payment Account will be added to the list of payment methods on your UPI platform.

2.2.3.5. You can add one of the Bank Account/ Payment Account as your default account for undertaking UPI transactions through the Platform and also modify the default account by following the process provided on the Platform.

2.3. The details you provide during registration, including your Bank Account/ Payment Account information, will be shared with and held in the secure libraries of the PSP Bank and NPCI, and you authorise them to maintain that data.

UPI may be used as a payment method on the Platform, on compatible sales channels of other entities, and for person-to-person payments with other users.

3.1. UPI Services on the Platform

3.1.1. Select ‘UPI’ as a payment method for your purchase transaction on the Platform.

3.1.2. Review your order summary and proceed to payment.

3.1.3. Enter your UPI PIN on the NPCI common library page and press enter to complete your transaction.

3.2. UPI Services on Compatible Sales Channels

3.2.1. You can use UPI Services on compatible sales channels as follows:

3.2.1.1. By entering your UPI ID on the payment page of such channels; or

3.2.1.2. By clicking on the Tata Neu application icon on the payment page of such channels; or

3.2.1.3. By scanning the UPI QR code generated by the compatible sales channels using the Platform.

3.2.2. Upon entering UPI ID as per clause 3.2.1.1, you will receive a payment request under ‘Approve Collect Requests’ section of the Platform; and upon clicking on the Tata Neu application icon, you will be directed to the Platform to make the payment.

3.2.3. Confirm the payment request by entering your UPI PIN on the NPCI common library page and press enter to complete your transaction.

3.3. UPI Services for Transfer of Funds to Persons

3.3.1. You may pay other individuals on your own initiative by entering their UPI details (virtual payment address (VPA) scan QR or UPI linked mobile number) and confirm with your UPI PIN.

3.3.2. If you have linked more than one of your Bank Account under the payment methods, you can send money to your other Bank Account(s) through the “Self-transfer” section of the UPI Platform and confirm with your UPI PIN.

3.3.3. You can also transfer money to your own Bank Account or to another individual by entering the Bank Account details and IFSC details.

3.3.4. Please note that payment via certain Payment Account may not be accepted by certain merchants. In such case, you will be required to pay to the merchant using an accepted Bank Account/ Payment Account.

3.3.5. Further, you may not be able to use certain Payment Accounts to make person to person transfers depending on the nature of the Payment Account and the restrictions imposed by the issuer of such Payment Account.

4.1. Except when you receive money, your UPI ID and UPI PIN are required at all times to use the UPI Services. You are solely responsible for protecting your mobile device, UPI ID and UPI PIN set for availing the UPI Services and shall ensure that ensure that the UPI PIN or any information related to your use of the UPI Services, is kept confidential and secure. You are solely responsible for all activities that occur under your UPI ID and UPI PIN using the UPI Services.

4.2. Your UPI PIN is stored by your issuer of the Bank Account/ Payment Account as permitted under the applicable laws. We are not responsible for your UPI PIN, or for any matter connected with your submission of the UPI PIN to NPCI or NPCI’s or your issuer’s use of it.

5.1. Transactions using the UPI Services may be subject to minimum and maximum limits set by NPCI, us, the PSP Bank or your issuer of the Bank Account/ Payment Account as prescribed under the applicable law, and may be revised from time to time.

5.2. We, NPCI, PSP Bank or your issuer of the Bank Account/ Payment Account may reject/ suspend transactions (in whole or part) based on our or their respective policies and assessment.

5.3. To the extent permitted by law, we may charge fees for the UPI Services, and may introduce or change fees for new or existing services. We will display any change in fees on the Platform, and it will take effect as soon as it is posted. in. Your issuer of the Bank Account/ Payment Account may also charge you a fee for transactions made using the UPI Services, so please check with your issuer of the Bank Account/ Payment Account.

The reporting and payment of any applicable taxes arising from the use of the UPI Services is your responsibility. You agree to comply with any and all applicable tax laws in connection with your use of the UPI Services, including without limitation, the reporting and payment of any taxes arising in connection with payments made through UPI Services, or funds/income received through the UPI Services.

7.1. A mandate lets you authorise, on a one-time basis, debits from your linked Bank Account/ Payment Account for a chosen validity period and frequency. The mandate may be initiated by you or merchant, but no mandate will be set up without your consent.

7.2. A merchant may initiate a mandate request on the Platform. The mandate will be created only after you approve the request by entering your UPI PIN.

7.3. You or the merchant may request to modify a mandate. Any modification to the mandate will take effect only after your approval through your UPI PIN. For certain mandates, modification requests can only be initiated by the merchant.

7.4. You may pause a mandate, during which any transaction request by the merchant will be declined. You may resume it during its validity period by entering your UPI PIN. For certain mandates, pause requests can only be initiated by the merchant.

7.5. You or the merchant may revoke a mandate. Once revoked, no further transactions can be made under it. To revoke the mandate, you must enter your UPI PIN. For certain mandates, revocation requests can only be initiated by the merchant.

7.6. For recurring mandate, if the first execution takes place within the timeline prescribed by NPCI from the creation of the mandate, your authorisation at creation of mandate is sufficient and no separate authorisation is required for execution. If it takes place after that timeline, you must separately authorise it, including by entering your UPI PIN.

7.7. The maximum mandate amount is set by NPCI and RBI based on merchant category. These limits and categories may be revised by NPCI or RBI from time to time.

8.1. If you return a product or service purchased from a merchant using the UPI Services, any refund will be issued in accordance with that merchant’s return and refund policies.

8.2. If you undertake a payment transaction and the funds are debited but not received by the intended recipient or merchant or the transaction is rejected for reasons mentioned under 9.2 but the amount is debited, the reversals will be as per timelines applicable to UPI transaction(s) and/or as per merchant policy/ terms.

8.3. You will not be able to see the refunds or reversals under the ‘Transaction’ section of the Platform since those are made directly to your linked Bank Account/ Payment Account. Please check the transaction statement for the concerned Bank Account/ Payment Account.

9.1. We, the PSP Bank, NPCI or issuer of your Bank Account/ Payment Account may review your activity and transactions under your UPI ID to identify high-risk transactions, and we may engage third party service providers to help us do so.

9.2. We, the PSP Bank, NPCI or issuer of your Bank Account/ Payment Account may reject your transaction for reasons including risk management, suspected fraudulent or unlawful activity, breach of applicable law, the UPI Terms or a merchant’s policies, sale of prohibited items, use of a compromised or blacklisted card or UPI account, chargebacks or complaints, or any other reason we, NPCI, PSP Bank or issuer of your Bank Account/ Payment Account consider appropriate. If any amount is debited for such rejected transactions, the same shall be refunded or reversed as per Clause 8 above.

For the UPI Services, we are only a facilitator. We are not a party to, and do not control, any payment transaction made (i) for the purchase of products or services made using the UPI Services on Tata Neu; or (ii) with other users. We are a TPAP authorised by NPCI to facilitate UPI-based payment transactions through the PSP Bank, and are bound by the tripartite agreement between us, NPCI and the PSP Bank. The specific roles and responsibilities of us (as TPAP), the PSP Bank and NPCI in a UPI payment transaction are set out in Schedule I below after Part B of these terms.

11.1. By using the UPI Services, you agree that we may process your UPI data for fraud detection and risk management, customer support, cross-selling, loyalty programs, promotions and marketing, offers, value-added services, increasing transactions, improving your experience, and any other purpose approved by NPCI from time to time.

11.2. You also consent to us sharing your User data and UPI transaction data with third parties, on a need-to-know basis to provide the UPI Services and/ or for the purposes mentioned under Clause 11.1 above.

12.1. When you use the UPI Services:

12.1.1. You are responsible for linking the correct Bank Account/ Payment Account.

12.1.2. Your mobile number is the primary identifier, so you must keep it linked to Bank Account/ Payment Account linked to the UPI Services.

12.1.3. You understand that if you change the mobile number registered with the Platform or your mobile device or your SIM card or any other device parameters, you will have to re-register for the UPI Services as detailed under Clause 2. Further, you shall ensure that the updated mobile number is linked to your Bank Account/ Payment Account and for change of mobile device ensure that you sign-in to the Platform for availing the UPI Services using the same mobile number.

12.1.4. You must keep your OTP, UPI PIN and Bank Account/ Payment Account details confidential. We are not responsible for unauthorised use resulting from your sharing them.

12.1.5. You are responsible for the payment request that you make and authorize, including addition of beneficiary, typing and reviewing UPI IDs and validating intended recipients and we do not check for the correctness of information that you enter during payment processing, including authorization.

12.1.6. You shall be solely responsible for entering wrong beneficiary details or incorrect virtual payment address, or incorrect mobile number, due to which the fund is transferred to an incorrect Receiver or beneficiary.

12.1.7. You must keep sufficient funds in your linked Bank Account/ Payment Account to avoid transaction declines and any charges, if any levied by your issuer of the Bank Account/ Payment Account.

12.1.8. You understand that we will onboard you onto NPCI’s centralised mapper, such as the ‘Numeric UPI ID Mapper’, so that you can send and receive funds using a UPI Number. You can set your 10-digit mobile number as your UPI number or set up a 8-9 digit value as your UPI Number. You consent to us doing this on your behalf, within the structure permitted by NPCI and in accordance with its directions. This includes sharing your UPI details with NPCI and linking your default Bank Account or UPI ID to your UPI Number so that you can receive payments against it. You also agree to receive funds from other users on the Platform and consent to us processing those transactions to your linked default Bank Account without checking the NPCI mapper. You may de-link this mapping or disable UPI Number through the Platform.

13.1. The PSP Bank or we may suspend or terminate your use of the UPI Services at any time, without notice and without liability to you or any third party, for any reason, including inactivity or breach of these UPI Terms or User Agreement or any other policy we establish from time to time.

13.2. In the event the UPI Services are suspended or terminated for any reasons, you may be unable to access the Platform or Tata Neu app, send or receive money, and your mandates may fail. We may restore the UPI Services once the issue causing the suspension has been resolved.

13.3. Even after suspension or termination of the UPI Services, we will retain your registration information, UPI IDs, transaction information and any other information we are permitted to store, for the period specified in applicable regulations or notified by NPCI from time to time.

14.1. We do not make any warranties or representations, express or implied, about the quality and availability of UPI, UPI Services or the Platform, including, but not limited to, any warranty(ies) of merchantability, fitness for a particular purpose or non-infringement of third-party intellectual property rights. UPI Services are provided on an “as is”, “as available” basis.

14.2. We disclaim all liability in relation to UPI and UPI Services, including but not limited to those arising out of the any error, failure of the transactions, non-availability of UPI, UPI Services or Platform, any non-responsiveness, delay, failure of systems and/or legality of the transactions. Please reach out to your issuer for any issues arising out of any transaction. All the transactions are strictly between you and the merchant/ intended recipient, without any liability on us whatsoever.

14.3. Your transaction records and other logs maintained with us shall be final and binding as a proof of the transaction and your use of UPI/ UPI Services.

15.1. Except as expressly stated in these UPI Terms, all provisions of the User Agreement apply to the UPI Services, including those on intellectual property, indemnity and limitation of liability, privacy and compliance with applicable law. Any breach of these UPI Terms is also a breach of the User Agreement.

15.2. Neither we, the PSP Bank nor any other participant in the UPI payment ecosystem is liable for any delay in completing a funds transfer, or for any loss caused by an error you make in executing it.

15.3. Disputes

Notwithstanding anything else in these UPI Terms or the User Agreement

15.3.1. You can raise a complaint about any UPI transaction by selecting that transaction on the Platform.

15.3.2. Raise your complaint with us first for all UPI Services-related grievances for the UPI transactions done through our Platform. If it remains unresolved, you can escalate it to the PSP Bank, then to issuer of your Bank Account/ Payment Account, and then to NPCI, in that order. After exercising these options, you may approach the Banking Ombudsman or the Ombudsman for Digital Complaints, as the case may be.

15.3.3. You can raise a complaint for both funds transfers and merchant transactions.

15.3.4. The PSP Bank or we will keep you informed by updating the status of your complaint on the Platform.

1.1 “Lite Bank Account” means your savings bank account with any bank in India that supports UPI Lite.

1.2 “UPI Lite” means an ‘on-device wallet’ provided by NPCI for small-value payments.

1.3 “UPI Lite Balance” means the virtual balance you load from your linked Lite Bank Account to make UPI Lite transactions through the Platform.

1.4 “Auto Top-up Mandate” means a mandate that automatically tops up your UPI Lite Balance, up to the maximum limit prescribed by RBI, NPCI or other regulatory authorities, when the balance falls to a minimum threshold.

UPI Lite is a service facilitated by NPCI and enabled on the Platform that lets you make low-value payments without entering your UPI PIN, up to the limits set out in the ‘Usage and settlement’ section below. UPI Lite is only a service, not a new account or wallet on the Platform. You agree and understand that in order to avail and/or continue using the UPI Lite facility, we may enable lock facility on Tata Neu app and you allow us to enable the lock facility on your Tata Neu app. Accordingly, if disabled, you are required to immediately modify your mobile device settings, to enable us to lock your Tata Neu app, in order to use or continue using the UPI Lite facility. Once enabled, Tata Neu app can thereafter be unlocked by you, using any of the enabled modes including the passcode created by you for securing the Tata Neu app.

You can register for UPI Lite on the Platform by clicking on ‘Active UPI Lite’. During registration, you will be asked to add money to your UPI Lite Balance from your linked Lite Bank Account. If you have linked more than one Bank Account, you can choose the Bank Account who wish to make your Lite Bank Account subject that Bank Account supporting UPI Lite. Registration is complete once you enter and validate your UPI PIN and the money is added. Only one Lite Bank Account that supports UPI Lite can be linked to UPI Lite on the Platform.

4.1 You can pay a peer or merchant up to INR 1,000 in a single UPI Lite transaction. Your total daily UPI Lite usage is capped at INR 10,000, and you can add up to INR 5,000 twice a day. You understand that:

4.1.1 These limits may be revised by RBI or NPCI from time to time without prior notice to you;

4.1.2 UPI Lite is only an on-device wallet reflecting the amount you have allocated, and no interest is payable on it;

4.1.3 The actual funds are held and maintained solely by the issuing bank of your Lite Bank Account;

4.1.4 Any amount added to the UPI Lite will be non-interest bearing;

4.1.5 UPI Lite can be used only for debit transactions, and all credits, including refunds, will be processed to your linked Lite Bank Account;

4.1.6 To make payments via UPI Lite facility, you will not be required to enter a UPI PIN. However, the limits would be applicable with respect to the transactions via UPI Lite facility as mentioned under clause 4.1 above;

4.1.7 UPI Lite cannot be used for auto pay or international transactions; and

4.1.8 For any payment up to INR 1,000, and subject to the daily limit of INR 10,000, UPI Lite will be used by default if your UPI Lite Balance is sufficient and UPI Lite is permitted for that payment transaction.

5.1 You can disable UPI Lite at any time on the Platform following steps mentioned on the Platform under UPI settings. Once disabled, your issuer of Lite Bank Account will credit any unused UPI Lite Balance to your linked Lite Bank Account.

5.2 You understand that:

5.2.1 if you have an existing UPI Lite Balance and your linked Lite Bank Account is closed, you can still spend that balance;

5.2.2 if you change your device from Android to Android or iOS to iOS, you can continue to access your UPI Lite Balance on the new device, provided you use the same phone number and linked Lite Bank Account; and

5.2.3 if you change your device from Android to iOS or iOS to Android, you must disable UPI Lite on your old device as set out on the Platform and move your UPI Lite Balance to your linked Lite Bank Account. If you lose access to UPI Lite for any reason, contact your issuer bank to move your UPI Lite Balance to your linked Lite Bank Account. We do not have any role in, control over, or ability to initiate, process, or facilitate such transfer of your UPI Lite Balance and we are not liable in this regard.

6.1 You are responsible for keeping your Lite Bank Account, and other UPI Lite transaction details confidential, and for all activity on the device on which UPI Lite is enabled.

6.2 Neither NPCI nor we are responsible for any unauthorised transactions made from your Membership Account with Tata Pay using UPI Lite.

6.3 Neither NPCI nor we are liable to you or anyone else for any loss or damage arising from your failure to protect your UPI Lite on the Platform or to comply with these UPI Lite terms.

7.1 When you use UPI Lite, you can set up an Auto Top-up Mandate within the applicable mandate limits and in accordance with applicable law.

For example, you can set an Auto Top-up Mandate to add INR 500 to your UPI Lite whenever the balance falls below INR 300. INR 500 will then be debited from your linked Lite Bank Account each time the balance falls below INR 300.

7.2 An Auto Top-up Mandate will be set up only after your issuer bank successfully validates or authenticates it through the Platform.

7.3 We are not liable for the rejection, failure or pending status of an Auto Top-up Mandate, and have no role or liability in the validation or authentication carried out by your issuer bank.

7.4 Your Auto Top-up Mandate will be processed only if you keep sufficient funds in your linked Lite Bank Account. If you do not, the mandate execution will fail.

7.5 We are not liable for any failure or decline in mandate execution due to insufficient funds in your linked Lite Bank Account.

7.6 You are responsible for regularly reviewing your Auto Top-up Mandate and mandate limit on the Platform. We are not liable for any unauthorised charges, penalties or late fees levied by your issuer bank, or for any discrepancy in the Auto Top-up Mandate or mandate limit you set.

7.7 You must act in accordance with these terms, UPI Terms and applicable law, and comply with any time limits prescribed by RBI, NPCI or your issuer bank.

8.1 Despite anything else in these UPI Lite terms, NPCI, PSP Bank or we may refuse to enable UPI Lite for you, or suspend or terminate your Tata Pay account, at any time without prior notice or liability to you or anyone else.

8.2 If you are unable to access UPI Lite facility due to termination or suspension of your Tata Pay account, please get in touch with issuer of your Lite Bank Account to move the funds from UPI Lite Balance to your linked Lite Bank Account.

(a) NPCI owns and operates the Unified Payments Interface.

(b) NPCI 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.

(c) NPCI approves the participation of issuer banks, PSP Banks, TPAP and prepaid payment instrument issuers (“PPIs”) in UPI.

(d) NPCI provides a safe, secure and efficient UPI system and network.

(e) NPCI provides online transaction routing, processing and settlement services to members participating in UPI.

(f) NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI.

(g) NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

(a) PSP 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 Users / merchants to make and accept UPI payments.

(b) PSP 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 Users / merchants to make and accept UPI payments.

(c) PSP Bank is responsible for authentication of the User at the time of registration of such customer, either through its own app or TPAP’s app.

(d) PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the Users.

(e) PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform

(f) PSP Bank is responsible for ensuring that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the User including UPI transaction data as well as UPI app security.

(g) PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.

(h) PSP Bank is responsible for giving 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.

(i) PSP Bank is responsible for putting in place a grievance redressal mechanism for resolving complaints and disputes raised by the User.

(a) TPAP is a service provider and participates in UPI through PSP Bank.

(b) TPAP is responsible for complying with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.

(c) TPAP is responsible for ensuring that its systems are adequately secure to function on the UPI platform.

(d) TPAP is responsible for complying with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard.

(e) TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India.

(f) TPAP is responsible for facilitating access by the RBI, NPCI and other agencies nominated by RBI/ NPCI, to the data, information, systems of TPAP related to UPI and to carry out audits of TPAP, as and when required by RBI and NPCI.

(g) TPAP shall provide the User with an option to raise grievances through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

We offer Card on File Tokenisation as detailed below (“Tokenisation Services”) on the Platform through which you can tokenise your valid credit cards, debit cards and other cards issued by authorised card issuers (“Card(s)”) for future payment transactions. We provide the Tokenisation Services with third party partners.

By using the Tokenisation Services, you agree to these terms (“Tokenisation Terms”) in addition to the Tata Pay User Agreement (“User Agreement”). Capitalised terms used but not defined here have the meaning given to them in the User Agreement.

We may change these Tokenisation Terms as explained in the Changes section of the User Agreement.

When you use the Tokenisation Services, the relevant merchant’s terms and conditions and all applicable laws and regulations, including any guidelines issued by the RBI, apply to you in addition to these Tokenisation Terms.

1.1. “Cardmember” means the person to whom a valid Card has been issued by an authorised card issuer.

1.2. “PAN” means the primary card account number that identifies the card issuer and the Cardmember’s account.

1.3. “Token” means a surrogate value corresponding to a PAN.

1.4. “Tokenised Card” means your Card for which a unique Token has been assigned on the Platform.

1.5. “Tokenised Card Transaction” means a payment made to another person using a Tokenised Card.

1.6. “Token Requestor” means us or our service provider acting as token requestor with the token service provider to provide the Tokenisation Service.

1.7. “Tokenisation Service(s)” means replacing your actual Card details with a Token, and other processes involving Tokens, including transaction processing and de-registration of Tokens.

2.1. You may ask the Token Requestor to tokenise your Card after giving your explicit consent.

2.2. The Token Requestor will collect your Card details and other relevant data and share them with its third party partners, card issuers and card networks to provide the Tokenisation Services.

2.3. We, the card networks, the card issuers and our third party partners may use, transfer and process the data we collect from you to provide the Tokenisation Services, in accordance with applicable law. Card networks may also use it for internal research, fraud, security and risk management.

2.4. We, the card networks, the card issuers or the merchants may allow or refuse tokenisation of your Card on the Platform, and that decision is final and binding on you.

2.5. Your use of a Tokenised Card may be subject to limits on transaction value or number, set from time to time by your card issuer, by us or the card network under our internal policies, or under applicable law.

2.6. You must comply with all laws, rules and regulations applicable to your use of the Tokenisation Services.

3.1. You must notify your bank or card issuer immediately if your Token or Card is lost, stolen, damaged or misplaced, or if you suspect it is being used without your permission.

3.2. If your Tokenised Card is hot listed because of damage, loss or theft and is blocked by the card issuer or card network, we are not liable for any transaction made using it before it was blocked, and you remain fully liable for those transactions.

3.3. You are solely liable for all losses if your Tokenised Card is misused by someone who obtained access to it with your consent.

4.1. You must take appropriate security measures for your Tokenised Card, including ensuring that no one has unauthorised access to it.

4.2. You must comply with your card issuer's terms.

4.3. You are solely responsible for any disclosure of your Card or Tokenised Card details, passwords, security credentials or other security details, even if accidental or unauthorised, and for all risks and consequences of your Tokenised Card being used by unauthorised persons or for unauthorised purposes.

4.4. You are aware of the risks of using a Tokenised Card, including fraudulent use, and agree to bear them. We are not responsible for those risks and are not liable for any resulting claim, loss, damage, cost, expense or liability.

5.1. To suspend, delete, terminate or close a Token and stop using its features, you must follow the instructions or terms agreed with us or communicated by the Token Requestor. Terminating a Token does not terminate, suspend, close or otherwise affect the underlying PAN or any payment or other obligation arising from it.

6.1. The Tokenisation Service is provided "as is", and you bear all risks arising from online transactions using Tokenised Cards.

6.2. We and our third-party partners make no warranty, express or implied, about the quality of the Tokenisation Services, including that they will meet your requirements, that they will be uninterrupted, timely or error-free, or that any product, information or material you obtain through them will meet your requirements.

6.3. Except as expressly stated in these Tokenisation Terms, all provisions of the User Agreement apply to the Tokenisation Services, including those on term and termination, intellectual property, indemnity and limitation of liability, privacy and compliance with applicable law. Any breach of these Tokenisation Terms is also a breach of the User Agreement.