legal businessWhatsApp Legal Info

For more information about WhatsApps practices please review ourPrivacy Policy.

to provide WhatsApp for web and desktop and other Services that are webbased, improve your experiences, understand how our Services are being used, and customize our Services;

When we say WhatsApp, our, we, or us, were talking about WhatsApp Inc. This Privacy Policy Privacy Policy applies to all of our apps, services, features, software, and website together, Services unless specified otherwise.

.. ICICI Bank has the absolute discretion to amend or supplement any of the Terms as stated herein at any time and will endeavour to give prior notice of days for such changes wherever feasible. By using the new services, the User shall be deemed to have accepted the changed terms and conditions.

WhatsApp customers need to select their bank followed by the account they want to link. Thereafter, they need to enter the last six digits of their debit card number along with the expiry details to create a VPA.

We may amend or update our Privacy Policy. We will provide you notice of amendments to this Privacy Policy, as appropriate, and update the Last Modified date at the top of this Privacy Policy. Your continued use of our Services confirms your acceptance of our Privacy Policy, as amended. If you do not agree to our Privacy Policy, as amended, you must stop using our Services. Please review our Privacy Policy from time to time.

No ThirdParty Banner Ads.We do not allow thirdparty banner ads on WhatsApp. We have no intention to introduce them, but if we ever do, we will update this policy.

Devices and Software.You must provide certain devices, software, and data connections to use our Services, which we otherwise do not supply. For as long as you use our Services, you consent to downloading and installing updates to our Services, including automatically.

.. The User is responsible for the accuracy and authenticity of the Payment Order provided to ICICI Bank and the same, if in the form and manner prescribed by ICICI Bank, shall be considered to be sufficient to operate the UPI Facility. ICICI Bank shall not be required to independently verify the Payment Order. ICICI Bank has no liability if it does not or is unable to stop or prevent the implementation of any Payment Order issued by the User. Once a Payment Order is issued by the User, the same cannot be subsequently revoked by the User.

Harm to WhatsApp or Our Users.You must not or assist others to access, use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sublicense, transfer, , perform, or otherwise exploit our Services in impermissible or unauthorized manners, or in ways that burden, impair, or harm us, our Services, systems, our users, or others, including that you must not directly or through automated means a reverse engineer, alter, modify, create derivative works from, decompile, or extract code from our Services; b send, store, or transmit viruses or other harmful computer code through or onto our Services; c gain or attempt to gain unauthorized access to our Services or systems; d interfere with or disrupt the integrity or performance of our Services; e create accounts for our Services through unauthorized or automated means; f collect the information of or about our users in any impermissible or unauthorized manner; g sell, resell, rent, or charge for our Services; or h distribute or make our Services available over a network where they could be used by multiple devices at the same time.

any loss incurred by or threatened to be incurred by NPCI/RBI and/or any regulatory proceeding arising out of or in connection with the Users use of the Facility.

.. The Payment Order shall be issued by the User, in the form as prescribed by ICICI Bank, which is complete in all particulars. The User shall be responsible for the accuracy of the particulars given in the Payment Order for the Facility and shall be liable to compensate ICICI Bank for any loss arising on account of any error in the Payment Order.

Keeping Your Account Secure.You are responsible for keeping your device and your WhatsApp account safe and secure, and you must notify us promptly of any unauthorized use or security breach of your account or our Services.

Questions and Disputes.Pleasecontact uswith any questions or concerns relating to our Privacy Shield certification. You have the option to resolve any applicable disputes you have with us in connection with our certification through TrustArc, an alternative dispute resolution provider based in the United States. You can contact TrustArc through theirwebsite. In certain circumstances, the Privacy Shield Framework provides the right to invoke binding arbitration to resolve complaints not resolved by other means, as described in Annex I to the Privacy Shield Principles. Additionally, as part of the Privacy Shield Framework, the U.S. State Department Senior Coordinator serves as the Ombudsperson to cilitate the processing of requests relating to national security access to data transmitted from the EU or Switzerland to the U.S.

Respect for your is coded into our DNA. Since we started WhatsApp, weve aspired to build our Services with a set of strong principles in mind.

Your electronic signature or physical signature.

No Class Actions, Class Arbitrations, or Representative Actions for Users Located in the United States or Canada.We and you each agree that if you are a WhatsApp user located in the United States or Canada, each of we and you may bring Disputes against the other only on its or your own behalf, and not on behalf of any other person or entity, or any class of people. We and you each agree not to participate in a class action, a classwide arbitration, Disputes brought in a private attorney general or representative capacity, or consolidated Disputes involving any other person or entity in connection with any Dispute.

Before you report a claim of copyright infringement, you may want to send a message to the relevant WhatsApp user you believe may be infringing your copyright. You may be able to resolve the issue without contacting WhatsApp.

WhatsApp is now part of the Facebook mily of companies. Our Privacy Policy explains how we work together to improve our services and offerings, like fighting spam across apps, product suggestions, and showing relevant offers and ads on Facebook. Nothing you share on WhatsApp, including your messages, photos, and account information, will be shared onto Facebook or any of our other mily of apps for others to see, and nothing you post on those apps will be shared on WhatsApp for others to see.

Learn moreabout the Facebook mily of companies and their practices by reviewing their policies.

.. The User shall inform ICICI Bank immediately of any inquiry, question or issue raised by any authority including but not limited to any statutory authority or official regarding and relating to ICICI Bank, as well as expeditiously notify ICICI Bank of any show causes, seizure or similar action and provide copies of any notices, memos or correspondences received from such authority. The User shall not unilaterally file any response/reply to such an authority without the prior approval of and vetting by ICICI Bank.

.. WhatsApp means WhatsApp Inc., a Delaware, United States, company with offices at Willow Road, Menlo Park, CA . It provides smartphone users with certain services via their phones Internet connection, including sending and receiving messages, calls, photos, videos, documents and voice messages.

Age. You must be at least years old to use Payments.

To report trademark infringement and request that WhatsApp remove any infringing content it is hosting, please email a complete trademark infringement claim to including all of the information listed below.

any deletions, additions, insertions or alterations to, or any unauthorised use of, the Facility by the User;

In addition to what is described in ourPrivacy Policy, you share your information when you use Payments, and we share your information to help us operate, provide, improve, understand, customize, support, and market our Services, including Payments.

WhatsApp Inc. WhatsApp, our, we, or us provides messaging, Internet calling, and other services to users around the world, including the ability to send and receive payments through designated payment service providers PSPs in India Payments. Payments is a Service as defined in the WhatsAppTerms of ServiceTerms, and the following WhatsApp Payments Terms of Service Payments Terms supplement the Terms and apply to your use of Payments. You agree to the Payments Terms when you use Payments.

Unless a mutually executed agreement between you and us states otherwise, our Terms make up the entire agreement between you and us regarding WhatsApp and our Services, and supersede any prior agreements.

Any amendment to or waiver of our Terms requires our express consent.

.. ICICI Bank has the absolute discretion to amend or supplement any of the Terms as stated herein at any time and will endeavour to give prior notice of days for such changes wherever feasible. By using the new services, the User shall be deemed to have accepted the changed terms and conditions. Notices under these Terms may be given in writing by delivering them by hand, or on ICICI Banks website or by sending them by post to the last address given by the User and, in the case of ICICI Bank, to its corporate office address.

If you would like to manage, change, limit, or delete your information, we allow you to do that through your payment settings or by deleting your WhatsApp account. With your payment settings, you may register additional bank accounts, deregister existing bank accounts from your VPA, and clear your transaction history. When you delete your WhatsApp account, your bank account will be deregistered from your VPA automatically.

. You and users with whom you send or receive payments may store or reshare your VPA, name, or transaction information with others on and off our Services.

All of our rights and obligations under our Privacy Policy are freely assignable by us to any of our affiliates, in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner.

WhatsApp Business Products WhatsApp creates apps, services, features, APIs, software, or website that enable businesses to interact with users of WhatsApps products and services Business Products. Partners the data controllers may submit personal information about their customers to WhatsApp using WhatsApps Business Products. While Partners decide what information to submit, it typically includes things like customer phone numbers and other information under the Partners control. For more information, customers may contact the relevant Partner. WhatsApp uses the personal data provided by Partners to provide Business Products in accordance with the terms applicable to the relevant Business Product and otherwise with the Partners instructions. WhatsApp works with its Partners to ensure that iniduals are offered appropriate choices in accordance with the Privacy Shield Principles.

Federal Arbitration Act.The United States Federal Arbitration Act governs the interpretation and enforcement of this Special Arbitration Provision for United States or Canada Users section, including any question whether a Dispute between WhatsApp and you is subject to arbitration.

.. Notice and instructions will be deemed served days after posting or upon receipt in the case of hand delivery, cable, telex or csimile.

WhatsApp Inc.Privacy Policy Willow RoadMenlo Park, California United States of America

Eligibility. To use Payments, you must use a phone number with the country code for India and have a bank account with a bank that supports UPI. The phone number you use for our Services must be the same phone number linked to your bank account used for Payments.

As explained in more detail in our Privacy Policy, we do not retain our users messages in the ordinary course of providing our Services. We do, however, host our users account information, including our users profile picture, profile name, or status message, if they decide to include them as part of their account information.

If you have questions about our Privacy Policy, pleasecontact us.

If you are an existing user, you can choose not to have your WhatsApp account information shared with Facebook to improve your Facebook ads and products experiences. Existing users who accept our updated Terms and Privacy Policy will have an additional days to make this choice by going to Settings Account.

THE WHATSAPP PARTIES WILL NOT BE LIABLE TO YOU FOR ANY LOST PROFITS OR CONSEQUENTIAL, SPECIAL, PUNITIVE, INDIRECT, OR INCIDENTAL DAMAGES RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH OUR TERMS, US, OR OUR SERVICES, EVEN IF THE WHATSAPP PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH OUR TERMS, US, OR OUR SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED DOLLARS OR THE AMOUNT YOU HAVE PAID US IN THE PAST TWELVE MONTHS. THE FOREGOING DISCLAIMER OF CERTAIN DAMAGES AND LIMITATION OF LIABILITY WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. THE LAWS OF SOME STATES OR JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE EXCLUSIONS AND LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN OUR TERMS, IN SUCH CASES, THE LIABILITY OF THE WHATSAPP PARTIES WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Device and Connection Information.We collect devicespecific information when you install, access, or use our Services. This includes information such as hardware model, operating system information, browser information, IP address, mobile network information including phone number, and device identifiers. We collect device location information if you use our location features, such as when you choose to share your location with your contacts, view locations nearby or those others have shared with you, and the like, and for diagnostics and troubleshooting purposes such as if you are having trouble with our apps location features.

WhatsApp Inc. WhatsApp has certified to theEUU.S. Privacy Shield Framework and the SwissU.S. Privacy Shield Frameworkwith the U.S. Department of Commerce regarding the collection and processing of personal data from our business partners in the European Union and Switzerland Partners in connection with the products and services described in the Scope section below and in ourcertification. To learn more about the Privacy Shield program please visit

You can follow the instructions provided by your browser or device usually located under Settings or Preferences to modify your cookie settings. Please note that if you set your browser or device to disable cookies, certain of our Services may not function properly.

The User hereby undertakes, represents and warrants to ICICI Bank that

We may ask you to agree to additional terms for certain of our Services in the future, which will govern to the extent there is a conflict between our Terms and such additional terms.

to remember your choices, such as your language preferences, and otherwise to customize our Services for you; and

.. Users shall not hold ICICI Bank responsible and/or liable in any manner whatsoever for any losses/damages/costs incurred by the User for creation of the VPA and/or initiating/processing/cancelling any transaction on the WhatsApp Platform.

.. NPCI UPI System means the switch and related equipment and software owned by NPCI to provide the UPIbased fund transfer and funds collection cility including the National Financial Switch.

The WhatsApp Privacy Policy helps explain our information practices. Our Services may include enabling you to send and receive payments Payments, a service we provide through, and in coordination with, designated payment service providers PSPs.

You must include your name and residence address; the mobile phone number associated with your account; and a clear statement that you want to opt out of our Terms agreement to arbitrate.

.. ICICI Bank may subcontract and employ agents to carry out any of its obligations hereunder.

.. All Payment Orders, requests, directives, orders and directions, entered by the User, are based upon the Users decisions and are the sole responsibility of the User.

Your License to WhatsApp.In order to operate and provide our Services, you grant WhatsApp a worldwide, nonexclusive, royaltyfree, sublicensable, and transferable license to use, reproduce, distribute, create derivative works of, , and perform the information including the content that you upload, submit, store, send, or receive on or through our Services. The rights you grant in this license are for the limited purpose of operating and providing our Services such as to allow us to your profile picture and status message, transmit your messages, store your undelivered messages on our servers for up to days as we try to deliver them, and otherwise as described in our Privacy Policy.

Cookies.We use cookies to operate and provide our Services, including to provide our Services that are webbased, improve your experiences, understand how our Services are being used, and customize our Services. For example, we use cookies to provide WhatsApp for web and desktop and other webbased services. We may also use cookies to understand which of our FAQs are most popular and to show you relevant content related to our Services. Additionally, we may use cookies to remember your choices, such as your language preferences, and otherwise to customize our Services for you.Learn moreabout how we use cookies to provide you our Services.

.. The User shall be solely liable for ensuring the availability of sufficient funds in the Accounts at all times for the purpose of availing the Facility. The User agrees that in the event there are insufficient funds in the Account, ICICI Bank can decline the transaction instruction.

WhatsApp provides messaging, Internet calling, and other services to users around the world. Our Privacy Policy helps explain our information including message practices. For example, we talk about what information we collect and how this affects you. We also explain the steps we take to protect your like building WhatsApp so delivered messages arent stored and giving you control over who you communicate with on our Services.

We may amend or update these Terms. We will provide you notice of amendments to our Terms, as appropriate, and update the Last Modified date at the top of our Terms. Your continued use of our Services confirms your acceptance of our Terms, as amended. If you do not agree to our Terms, as amended, you must stop using our Services. Please review our Terms from time to time.

ThirdParty Providers.We work with thirdparty providers to help us operate, provide, improve, understand, customize, support, and market our Services. When we share information with thirdparty providers, we require them to use your information in accordance with our instructions and terms or with express permission from you.

A cookie is a small file that a website you visit asks your browser to store on your computer or mobile device.

.. The User agrees and understands that the transaction will be recorded in the statement of account as given to the User by the Users bank. The User agrees that they shall not be entitled to dispute the correctness of the execution of the Payment Order or the amount debited to their Accounts if they il to report the discrepancy as per NPCI guidelines.

Registration. You must be an owner of the bank account you use to send and receive funds through Payments. After you provide information to confirm your mobile banking account, WhatsApp creates a virtual payment address that is associated with your WhatsApp account. We will ask you to create an UPI PIN for your bank account if you do not already have one.

WhatsApp receives or collects information when we operate and provide our Services, including when you install, access, or use our Services.

These terms and conditions Terms apply to and regulate the provision of a Unified Payments Intece Servicebased electronic fund transfer and fund collection cility provided by ICICI Bank to its Users through the application owned and maintained by WhatsApp Facility subject to the Terms herein specified.

Transactional Information.If you pay for our Services, we may receive information and confirmations, such as payment receipts, including from app stores or other third parties processing your payment.

.. In the event the User is a beneficiary, the User hereby consents ICICI Bank to permit the remitter to store their information including but not limited to bank account number for the purpose of sending the payments.

YOU USE OUR SERVICES AT YOUR OWN RISK AND SUBJECT TO THE FOLLOWING DISCLAIMERS. WE ARE PROVIDING OUR SERVICES ON AN AS IS BASIS WITHOUT ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NONINFRINGEMENT, AND FREEDOM FROM COMPUTER VIRUS OR OTHER HARMFUL CODE. WE DO NOT WARRANT THAT ANY INFORMATION PROVIDED BY US IS AURATE, COMPLETE, OR USEFUL, THAT OUR SERVICES WILL BE OPERATIONAL, ERROR FREE, SECURE, OR SAFE, OR THAT OUR SERVICES WILL FUNCTION WITHOUT DISRUPTIONS, DELAYS, OR IMPERFECTIONS. WE DO NOT CONTROL, AND ARE NOT RESPONSIBLE FOR, CONTROLLING HOW OR WHEN OUR USERS USE OUR SERVICES OR THE FEATURES, SERVICES, AND INTERFACES OUR SERVICES PROVIDE. WE ARE NOT RESPONSIBLE FOR AND ARE NOT OBLIGATED TO CONTROL THE ACTIONS OR INFORMATION INCLUDING CONTENT OF OUR USERS OR OTHER THIRD PARTIES. YOU RELEASE US, OUR SUBSIDIARIES, AFFILIATES, AND OUR AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, PARTNERS, AND AGENTS TOGETHER, THE WHATSAPP PARTIES FROM ANY CLAIM, COMPLAINT, CAUSE OF ACTION, CONTROVERSY, OR DISPUTE TOGETHER, CLAIM AND DAMAGES, KNOWN AND UNKNOWN, RELATING TO, ARISING OUT OF, OR IN ANY WAY CONNECTED WITH ANY SUCH CLAIM YOU HAVE AGAINST ANY THIRD PARTIES. YOU WAIVE ANY RIGHTS YOU MAY HAVE UNDER CALIFORNIA CIVIL CODE , OR ANY OTHER SIMILAR APPLICABLE STATUTE OR LAW OF ANY OTHER JURISDICTION, WHICH SAYS THAT A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.

Payments Transactions Are Final. Once you submit a payment, it is final. WhatsApp does not provide refunds or cilitate chargebacks. WhatsApp is not liable for unauthorized transactions. We assume no responsibility for the underlying transaction of funds, or the actions or identity of any transfer recipient or sender.

Our Role. Payments is a service we provide through, and in coordination with, designated PSPs. We provide a convenient platform that enables you to submit transaction instructions to PSPs for processing via the Unified Payments Intece UPI. We are not a licensed financial institution, do not receive, transfer, or store any funds in connection with Payments, and are not responsible for UPI service interruptions or acts or omissions of PSPs or your bank including the payment, settlement, and clearance of funds. You have a separate relationship with your bank regarding your bank account, and WhatsApp has no affiliation with your bank in this respect.

Status Information.We collect information about your online and status message changes on our Services, such as whether you are online your online status, when you last used our Services your last seen status, and when you last updated your status message.

. When you send a payment, you identify the recipient or provide the recipients virtual payment address VPA and designate the transaction amount. This payment transaction information is handled securely. Messages sent with payments are delivered once the transaction has processed and are treated as described in our Privacy Policy.

Services Settings.You can change your Services settings to manage certain information available to other users. You can manage your contacts, groups, and broadcast lists, or use our block feature to manage the users with whom you communicate.

The User hereby acknowledges that the User has read and understood the Terms and agrees that the rights and obligations provided therein and in these Terms insor as it relates to the User shall be binding on the User with regard to every Payment Order issued by them for execution in the NPCI UPI System. The User understands and agrees that nothing in terms of availing the Facility shall be construed as creating any contractual or other rights against NPCI or any participant in the NPCI UPI System other than ICICI Bank. Notwithstanding anything contained herein, all terms and conditions stipulated by ICICI Bank in connection with the Accounts shall continue to apply. ThePrivacy PolicyandCustomer Rights Policyof ICICI Bank shall continue to apply on the Users. These Terms and Conditions are in addition to any terms and conditions that WhatsApp may prescribe for the use of its WhatsApp Application.

Our Services are not intended for distribution to or use in any country where such distribution or use would violate local law or would subject us to any regulations in another country. We reserve the right to limit our Services in any country.

.. WhatsApp Application means WhatsApps existing and future applications and services including its business and consumer applications and services for mobile, desktop and web.

Your Connections.To help you organize how you communicate with others, we may create a vorites list of your contacts for you, and you can create, join, or get added to groups and broadcast lists, and such groups and lists get associated with your account information.

Except as contemplated herein, our Terms do not give any thirdparty beneficiary rights.

You have a good ith belief that use of the copyrighted or trademarked content described above, in the manner you have complained of, is not authorized by the copyright or trademark owner, its agent, or the law;

.. The User irrevocably and unconditionally authorises ICICI Bank to access all the Users Accounts and records for the purpose of providing the Facility. The User agrees that ICICI Bank and its affiliates or their contractors may hold and process their personal information and all other information concerning their Accounts on computer or otherwise in connection with the Facility as well as for analysis, credit scoring and marketing.

We will explore ways for you and businesses to communicate with each other using WhatsApp, such as through order, transaction, and appointment information, delivery and shipping notifications, product and service updates, and marketing. For example, you may receive flight status information for upcoming travel, a receipt for something you purchased, or a notification when a delivery will be made. Messages you may receive containing marketing could include an offer for something that might interest you. We do not want you to have a spammy experience; as with all of your messages, you can manage these communications, and we will honor the choices you make.

.. ICICI Bank may withdraw or terminate the UPI Facility anytime either entirely or with reference to a specific UPI Facility without assigning any reasons whatsoever. ICICI Bank may suspend or terminate the UPI Facility without prior notice if the User has breached any of these Terms.

OptOut Procedure.You may opt out of this agreement to arbitrate. If you do so, neither we nor you can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing postmarked within days of the later of i the date that you first accepted our Terms; and ii the date you became subject to this arbitration provision. You must use this address to optout

ThirdParty Providers.We work with thirdparty providers to help us operate, provide, improve, understand, customize, support, and market our Services. For example, we work with companies to distribute our apps, provide our infrastructure, delivery, and other systems, supply map and places information, process payments, help us understand how people use our Services, and market our Services. These providers may provide us information about you in certain circumstances; for example, app stores may provide us reports to help us diagnose and fix service issues.

.. The User shall be entitled, subject to Terms, to issue Payment Orders for execution by ICICI Bank.

.. ICICI Bank does not hold out any warranty and makes no representation about the quality of the Facility. The User agrees and acknowledges that ICICI Bank shall not be liable and shall in no way be held responsible for any damages whatsoever, whether such damages are direct, indirect, incidental or consequential and irrespective of whether any claim is based on loss of revenue, interruption of business, transaction carried out by the User and processed by ICICI Bank, information provided or disclosed by ICICI Bank regarding Accounts or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. While ICICI Bank shall endeavour to promptly execute and process the transactions as proposed to be made by the User, ICICI Bank shall not be responsible for any nonresponse or delay in responding due to any reason whatsoever, including due to ilure of operational systems or any requirement of law. ICICI Bank shall not be liable for any loss, claim or damage suffered by the User and/or any other third party arising out of or resulting from ilure of a UPI transaction on account of timeout transaction; i.e., where no response is received from NPCI or the beneficiary bank to the transaction request and/or where mobile number or account number of the beneficiary does not exist. Further, ICICI Bank shall also not be liable for any loss, damage and/or claim arising out of or resulting from wrong beneficiary details, mobile number and/or account details being provided by the Customer. ICICI Bank shall, under no circumstance, be held liable to the User if Facility access is not available in the desired manner for reasons including but not limited to natural calamities, legal restraints, ults in the telecommunication network or network ilure, or any other reason beyond the control of ICICI Bank.

Deleting Your WhatsApp Account.You may delete your WhatsApp account at any time including if you want to revoke your consent to our use of your information using our inapp delete my account feature. When you delete your WhatsApp account, your undelivered messages are deleted from our servers as well as any of your other information we no longer need to operate and provide our Services. Be mindful that if you only delete our Services from your device without using our inapp delete my account feature, your information may be stored with us for a longer period. Please remember that when you delete your account, it does not affect the information other users have relating to you, such as their copy of the messages you sent them.

Commercial Messaging.We will allow you and third parties, like businesses, to communicate with each other using WhatsApp, such as through order, transaction, and appointment information, delivery and shipping notifications, product and service updates, and marketing. For example, you may receive flight status information for upcoming travel, a receipt for something you purchased, or a notification when a delivery will be made. Messages you may receive containing marketing could include an offer for something that might interest you. We do not want you to have a spammy experience; as with all of your messages, you can manage these communications, and we will honor the choices you make.

You will not transfer any of your rights or obligations under our Terms to anyone else without our prior written consent.

Age.You must be at least years old to use our Services or such greater age required in your country for you to be authorized to use our Services without parental approval. In addition to being of the minimum required age to use our Services under applicable law, if you are not old enough to have authority to agree to our Terms in your country, your parent or guardian must agree to our Terms on your behalf.

.. The clause headings in these Terms are only for convenience and do not affect the meaning of the relative clause.

Registration.You must register for our Services using accurate data, provide your current mobile phone number, and, if you change it, update this mobile phone number using our inapp change number feature. You agree to receive messages and phone calls from us or our thirdparty providers with codes to register for our Services.

If we il to enforce any of our Terms, it will not be considered a waiver.

Safety and Security.We verify accounts and activity, and promote safety and security on and off our Services, such as by investigating suspicious activity or violations of our Terms, and to ensure our Services are being used legally.

Please also readWhatsApps Terms of ServiceTerms, which describes the terms under which you use our Services.

any breach of any covenant or obligation to be performed by the User hereunder;

Our Terms are written in English U.S.. Any translated version is provided solely for your convenience. To the extent any translated version of our Terms conflicts with the English version, the English version controls.

All of our rights and obligations under our Terms are freely assignable by us to any of our affiliates or in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner.

If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from our Terms and shall not affect the validity and enforceability of the remaining provisions, except as set forth in the Special Arbitration Provision for United States or Canada Users Severability section below.

.. The User shall not hold ICICI Bank responsible for any damage, claim or issue arising out of or in connection with any purchase of goods/services from merchants through Payment Orders issued by the Facility. The User understands and agrees that all such losses, damages and issues shall constitute a claim against such merchants.

Information Others Provide About You.We receive information other people provide us, which may include information about you. For example, when other users you know use our Services, they may provide your phone number from their mobile address book just as you may provide theirs, or they may send you a message, send messages to groups to which you belong, or call you.

.. ICICI Bank states that it has no liability or obligation to keep a record of the Payment Orders to provide information to the User or for verifying the Payment Orders. ICICI Bank shall refuse to comply with the Payment Orders without assigning any reason and shall not be under any duty to assess the prudence or otherwise of any Payment Order. ICICI Bank has the right to suspend the transactions with respect to the UPI Facility if it has reason to believe that the Users Payment Orders will lead to or expose to direct or indirect loss to ICICI Bank or may require an indemnity from the User before continuing to operate the UPI Facility.

WhatsApps Rights.We own all copyrights, trademarks, domains, logos, trade dress, trade secrets, patents, and other intellectual property rights associated with our Services. You may not use our copyrights, trademarks, domains, logos, trade dress, patents, and other intellectual property rights unless you have our express permission and except in accordance with ourBrand Guidelines. You may use the trademarks our affiliated companies only with their permission, including as authorized in any published brand guidelines.

We joined theFacebook mily of companiesin . As part of the Facebook mily of companies, WhatsApp receives information from, and shares information with, this mily of companies. We may use the information we receive from them, and they may use the information we share with them, to help operate, provide, improve, understand, customize, support, and market our Services and their offerings. This includes helping improve infrastructure and delivery systems, understanding how our Services or theirs are used, securing systems, and fighting spam, abuse, or infringement activities. Facebook and the other companies in the Facebook mily also may use information from us to improve your experiences within their services such as product suggestions for example, of friends or connections, or of interesting content and showing relevant offers and ads. However, your WhatsApp messages will not be shared onto Facebook for others to see. In ct, Facebook will not use your WhatsApp messages for any purpose other than to assist us in operating and providing our Services.

Your Contacts and Others.Users with whom you communicate may store or reshare your information including your phone number or messages with others on and off our Services. You can use your Services settings and the block feature in our Services to manage the users of our Services with whom you communicate and certain information you share.

. We work with thirdparty providers and services to help us operate Payments and provide customer support. These providers and services may provide us information about you or your Payments transactions in certain circumstances; for example, we may receive information about you or your transactions from a PSP such as information to confirm your registration, your name, account status, transaction reference IDs, risk or fraud alerts, and the like. Please note that the thirdpartys terms and policies will govern your use of its services.

We may collect, use, preserve, and share your information if we have a goodith belief that it is reasonably necessary to a respond pursuant to applicable law or regulations, to legal process, or to government requests; b enforce our Terms and any other applicable terms and policies, including for investigations of potential violations; c detect, investigate, prevent, and address fraud and other illegal activity, security, or technical issues; or d protect the rights, property, and safety of our users, WhatsApp, the Facebook mily of companies, or others.

The User agrees, at their own expense, to indemnify, defend and hold harmless ICICI Bank against any claim, suit, action or other proceeding brought against ICICI Bank, to the extent that such claim, suit, action or other proceeding brought against ICICI Bank is based on or arises in connection with the use of the Facility with reference to

Your Messages.We do not retain your messages in the ordinary course of providing our Services to you. Once your messages including your chats, photos, videos, voice messages, files, and share location information are delivered, they are deleted from our servers. Your messages are stored on your own device. If a message cannot be delivered immediately for example, if you are offline, we may keep it on our servers for up to days as we try to deliver it. If a message is still undelivered after days, we delete it. To improve performance and deliver media messages more efficiently, such as when many people are sharing a popular photo or video, we may retain that content on our servers for a longer period of time. We also offer endtoend encryption for our Services, which is on by deult, when you and the people with whom you message use a version of our app released after April , . Endtoend encryption means that your messages are encrypted to protect against us and third parties from reading them.

The arbitration will be administered by the American Arbitration Association AAA under its Commercial Arbitration Rules in effect at the time the arbitration is started, including the Optional Rules for Emergency Measures of Protection and the Supplementary Procedures for ConsumerRelated Disputes together, the AAA Rules. The arbitration will be presided over by a single arbitrator selected in accordance with the AAA Rules. The AAA Rules, information regarding initiating a Dispute, and a description of the arbitration process are available at The arbitrator will decide whether a Dispute can be arbitrated. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA Rules. Notwithstanding the AAA Rules, we will reimburse you for all the AAA administrative fees in Disputes that are subject to the Supplementary Procedures for ConsumerRelated Disputes, unless the arbitrator determines that a Dispute was filed for purposes of harassment or is patently frivolous.

This Payments Privacy Policy supplements ourPrivacy Policy, which applies to the use of our Services, including Payments. Please also see WhatsAppsTerms of ServiceTerms, which describe the terms under which you use our Services including Payments, and the WhatsApp Payments Terms of Service Payments Terms, which supplement the Terms, govern your use of Payments, and describe Payments in more detail. Please read all of these documents carefully.

Changing Your Mobile Phone Number, Profile Name and Picture, and Status Message.You must change your mobile phone number using our inapp change number feature and transfer your account to your new mobile phone number. You can also change your profile name, profile picture, and status message at any time.

.. The User hereby expressly consents to and permits ICICI Bank, its affiliates and all the parties involved in the payment system including but not limited to Payments System Providers, acquiring banks, partner banks, the issuer bank of the senders funding account, the issuer bank of the beneficiarys bank account, NPCI and RBI to collect, store and share such information including but not limited to their personal information such as name, address, all transaction details carried out through the WhatsApp Platform or information with respect to third parties and the beneficiary including bank account number.

If there is any conflict between these Payments Terms and the Terms, these Payments Terms control solely with respect to your use of Payments and only to the extent of the conflict.

Address Book.You provide us the phone numbers of WhatsApp users and your other contacts in your mobile phone address book on a regular basis. You confirm you are authorized to provide us such numbers to allow us to provide our Services.

.. The laws of India shall govern these terms and conditions and/or the operations in the Accounts maintained with ICICI Bank. Any legal action or proceedings arising out of these Terms shall be brought in the courts or tribunals at Mumbai in India. ICICI Bank may, however, in its absolute discretion commence any legal action or proceedings arising out of these Terms in any other court, tribunal or other appropriate forum, and the User hereby consents to that jurisdiction.

to understand which of our FAQs are most popular and to show you relevant content related to our Services;

We may amend or update these Payments Terms. We will provide you notice of amendments to our Payments Terms, as appropriate, and update the Last Modified date at the top of our Payments Terms. Your continued use of Payments confirms your acceptance of our Payments Terms, as amended. If you do not agree to our Payments Terms, as amended, you must stop using Payments. Please review our Payments Terms from time to time.

To access our Terms in certain other languages, change the language setting for your WhatsApp session. If our Terms are not available in the language you select, we will deult to the English version.

.. The laws of India shall govern these terms and conditions and/or the operations in the Accounts maintained with ICICI Bank. Any legal action or proceedings arising out of these Terms shall be brought in the courts or tribunals at Mumbai in India.

.. Any provision of these Terms which is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of prohibition or unenforceability but shall not invalidate the remaining provisions of these Terms or affect such provision in any other jurisdiction. ICICI Bank shall have the right of setoff and lien, irrespective of any other lien or charge, present as well as future on the deposits held in the Accounts to the extent of all outstanding dues, whatsoever, arising as a result of the Facility extended to and/or used by the User.

ThirdParty Services.We allow you to use our Services in connection with thirdparty services. If you use our Services with such thirdparty services, we may receive information about you from them; for example, if you use the WhatsApp share button on a news service to share a news article with your WhatsApp contacts, groups, or broadcast lists on our Services, or if you choose to access our Services through a mobile carriers or device providers promotion of our Services. Please note that when you use thirdparty services, their own terms and policies will govern your use of those services.

Information reasonably sufficient to permit us to locate the material on our Services. The easiest way to do this is by providing us the phone number of the inidual who has submitted the infringing content on our Services.

Business Use of Payments. If you are a business and use our Services, you must comply with all applicable laws associated with your use of our Services, including Payments. You must clearly disclose any applicable terms and fees to your customers and promptly fulfill any goods or services you sell using Payments in accordance with any sale terms and applicable laws. WhatsApp is not a party to the transaction.

Small Claims Court.As an alternative to arbitration, if permitted by your local small claims courts rules, you may bring your Dispute in your local small claims court, as long as the matter advances on an inidual nonclass basis.

The User may apply for the Facility by installing the WhatsApp mobile application on their device and completing a onetime activation/registration for the Facility. The User will have an option to set a virtual payment address VPA by linking an Account maintained with any bank in India through a onetime registration process defined and standardised by NPCI/ICICI Bank and then start transacting. The process of registration is

Please review the following documents, which provide additional information about your use of our Services

Respect for your is coded into our DNA. Since we started WhatsApp, weve built our Services with a set of strong principles in mind. In our updated Terms and Privacy Policy youll find

We use all the information we have to help us operate, provide, improve, understand, customize, support, and market Payments. This includes using the information to provide Payments and customer support, to protect you and others using our Services from fraud, abuse, or other misconduct, and to review your account activity to determine whether you continue to meet our Terms and Payments Terms.

WhatsApp Inc.Arbitration OptOut Willow RoadMenlo Park, California United States of America

In addition to what is described in ourPrivacy Policy, we receive information when we provide Payments.

WhatsApp cares about your . OurPrivacy Policyapplies to your use of Payments. Because additional information will be collected and processed when you use Payments, the WhatsAppPayments Privacy Policyalso applies to your use of Payments. The WhatsApp Payments Privacy Policy describes additional information practices applicable to Payments, including the s of information we receive and collect from you when you use Payments and how we use and share this information. If you use Payments, you agree to our data practices, including the collection, use, processing, and sharing of your information as described in our Privacy Policy and our Payments Privacy Policy, as well as the transfer and processing of your information to the United States and other countries globally where we have or use cilities, service providers, or partners, regardless of where you use Payments. You acknowledge that the laws, regulations, and standards of the country in which your information is stored or processed may be different from those of your own country.

You agree to our information practices, including the collection, use, processing, and sharing of your information as described in this Privacy Policy, as well as the transfer and processing of your information to the United States and other countries globally where we have or use cilities, service providers, or partners, regardless of where you use our Services. You acknowledge that the laws, regulations, and standards of the country in which your information is stored or processed may be different from those of your own country.

.. Accounts refers to the resident Indian savings and/or current bank accounts held and maintained with any bank in India which is used for operations through the Facility.

ScopeWhatsApp adheres to the Privacy Shield Principles for the following areas of our business collectively the Partner Services

Governing Law.The laws of the State of California govern our Terms, as well as any Disputes, whether in court or arbitration, which might arise between WhatsApp and you, without regard to conflict of law provisions.

IF YOU ARE A WHATSAPP USER LOCATED IN THE UNITED STATES OR CANADA, OUR TERMS CONTAIN A BINDING ARBITRATION PROVISION, WHICH STATES THAT, EXCEPT IF YOU OPT OUT AND EXCEPT FOR CERTAIN TYPES OF DISPUTES, WHATSAPP AND YOU AGREE TO RESOLVE ALL DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION, WHICH MEANS THAT YOU WAIVE ANY RIGHT TO HAVE THOSE DISPUTES DECIDED BY A JUDGE OR JURY, AND THAT YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS. PLEASE READ THE SPECIAL ARBITRATION PROVISION FOR UNITED STATES OR CANADA USERS SECTION BELOW TO LEARN MORE.

to rank the FAQs on our website based on popularity, understand mobile versus desktop users of our webbased Services, or understand popularity and effectiveness of certain of our web s.

WhatsApp cares about your . WhatsAppsPrivacy Policydescribes our information including message practices, including the s of information we receive and collect from you and how we use and share this information. You agree to our data practices, including the collection, use, processing, and sharing of your information as described in our Privacy Policy, as well as the transfer and processing of your information to the United States and other countries globally where we have or use cilities, service providers, or partners, regardless of where you use our Services. You acknowledge that the laws, regulations, and standards of the country in which your information is stored or processed may be different from those of your own country.

You declare, under penalty of perjury, that you are the owner or authorized to act on behalf of the owner of an exclusive copyright or trademark that is allegedly infringed.

Purchase Transactions. If you use Payments to pay for goods or services, you agree to make legitimate purchases and to be bound by any terms of the sale. We have no responsibility for any goods or services purchased using Payments, including for any claims, damages, losses, liabilities, chargebacks or disputes associated with transactions. WE MAKE NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO ANY PRODUCTS OR SERVICES SOLD USING PAYMENTS.

.. The User agrees that the Payment Order shall become irrevocable when it is executed by ICICI Bank.

You share your information as you use and communicate through our Services, and we share your information to help us operate, provide, improve, understand, customize, support, and market our Services.

Legal and Acceple Use.You must access and use our Services only for legal, authorized, and acceple purposes. You will not use or assist others in using our Services in ways that a violate, misappropriate, or infringe the rights of WhatsApp, our users, or others, including , publicity, intellectual property, or other proprietary rights; b are illegal, obscene, dematory, threatening, intimidating, harassing, hateful, racially, or ethnically offensive, or instigate or encourage conduct that would be illegal, or otherwise inappropriate, including promoting violent crimes; c involve publishing lsehoods, misrepresentations, or misleading statements; d impersonate someone; e involve sending illegal or impermissible communications such as bulk messaging, automessaging, autodialing, and the like; or f involve any nonpersonal use of our Services unless otherwise authorized by us.

Usage and Log Information.We collect servicerelated, diagnostic, and performance information. This includes information about your activity such as how you use our Services, how you interact with others using our Services, and the like, log files, and diagnostic, crash, website, and performance logs and reports.

You will comply with all applicable U.S. and nonU.S. export control and trade sanctions laws Export Laws. You will not, directly or indirectly, export, reexport, provide, or otherwise transfer our Services a to any inidual, entity, or country prohibited by Export Laws; b to anyone on U.S. or nonU.S. government restricted parties lists; or c for any purpose prohibited by Export Laws, including nuclear, chemical, or biological weapons, or missile technology applications without the required government authorizations. You will not use or download our Services if you are located in a restricted country, if you are currently listed on any U.S. or nonU.S. restricted parties list, or for any purpose prohibited by Export Laws, and you will not disguise your location through IP proxying or other methods.

.. The User may request for termination of the UPI Facility anytime by giving a prior written notice of at least days to ICICI Bank. The User will remain responsible for all the transactions made through the UPI Facility until the time of such termination.

. We share information with thirdparty providers and services to help us operate and improve Payments. To send payment instructions to PSPs, maintain your transaction history, provide customer support, and keep our Services safe and secure, including to detect, prevent, or otherwise address fraud, safety, security, abuse, or other misconduct, we share information we collect under this Payments Privacy Policy with thirdparty service providers including Facebook. To provide Payments to you, we share information with thirdparty services including PSPs, such as your mobile phone number, registration information, device identifiers, VPAs, the senders UPI PIN, and payment amount.

ICICI Bank shall not be responsible for, and the User shall solely be responsible for, any unauthorised access or use of their personal or financial information through the WhatsApp Platform.

.. The User agrees that the Facility is offered in line with the RBIs guidelines on mobile banking which are subject to change from time to time.

Your complete contact information full name, mailing address, and phone number. Note that we regularly provide your contact information, including your name and email address if provided, the name of your organization or client who owns the rights in question, and the content of your report to the person whose content you are reporting. You may wish to provide a professional or business email address where you can be reached.

Severability.If the prohibition against class actions and other Disputes brought on behalf of third parties is found to be unenforceable for a Dispute, then all of the provisions above under the caption Special Arbitration Provision for United States or Canada Users will be null and void as to that Dispute.

Excluded Dispute means any Dispute relating to the enforcement or infringement of your or our intellectual property rights such as copyrights, trademarks, domains, logos, trade dress, trade secrets, and patents. For clarity and notwithstanding the foregoing, those Disputes relating to, arising out of, or in any way in connection with your rights of and publicity are not Excluded Disputes.

Legal Requests.Personal data that is transferred to us by our Partners may be subject to disclosure pursuant to legal requests or other judicial and government process, such as subpoenas, warrants, or orders. For more information, review the Law and Protection section of the WhatsApp Privacy Policy.

ICICI Bank shall be entitled to sell, assign, securitise or transfer ICICI Banks rights and obligations under these Terms and any security in vour of ICICI Bank including all guarantee[s] to any person of ICICI Banks choice in whole or in part and in such manner and on such terms and conditions as ICICI Bank may decide. Any such sale, assignment, securitisation or transfer shall conclusively bind the User and all other persons. The User, their successors and assigns are bound by these Terms. However, the User shall not be entitled to transfer or assign any of their rights and obligations under these Terms.

.. PSP Payment Service Provider refers to banks which are allowed to acquire Users and provide payment services to Users and entities.

Our Services.We operate and provide our Services, including providing customer support, and improving, fixing, and customizing our Services. We understand how people use our Services, and analyze and use the information we have to evaluate and improve our Services, research, develop, and test new services and features, and conduct troubleshooting activities. We also use your information to respond to you when you contact us. We usecookiesto operate, provide, improve, understand, and customize our Services.

This Payments Privacy Policy helps explain our information practices when you use Payments. PSPs may also collect, use, and share information as set forth in their policies, in conjunction with helping to provide Payments to you.

PLEASE READ THIS SECTION CAREFULLY BECAUSE IT CONTAINS ADDITIONAL PROVISIONS APPLICABLE ONLY TO OUR UNITED STATES AND CANADA USERS. IF YOU ARE A WHATSAPP USER LOCATED IN THE UNITED STATES OR CANADA, IT REQUIRES YOU TO SUBMIT TO BINDING INDIVIDUAL ARBITRATION OF ALL DISPUTES, EXCEPT FOR THOSE THAT INVOLVE INTELLECTUAL PROPERTY DISPUTES AND EXCEPT THOSE THAT CAN BE BROUGHT IN SMALL CLAIMS COURT. THIS MEANS YOU ARE WAIVING YOUR RIGHT TO HAVE SUCH DISPUTES RESOLVED IN COURT BY A JUDGE OR JURY. THIS SECTION ALSO LIMITS THE TIME YOU HAVE TO START AN ARBITRATION OR, IF PERMISSIBLE, A COURT ACTION. FINALLY, THIS SECTION WAIVES YOUR RIGHT TO HAVE YOUR DISPUTE HEARD AND RESOLVED AS A CLASS ACTION, CLASS ARBITRATION, OR A REPRESENTATIVE ACTION.

The Facility offers an instant, x, interbank electronic fund transfer or fund collection service to the customers of UPI member banks. Users can put in a request for fund transfers or respond to funds collection in a secure manner for any of their linked Accounts as per the Terms, which may be changed by ICICI Bank as it deems fit.

Account Information.Your phone number, profile name and photo, online status and status message, last seen status, and receipts may be available to anyone who uses our Services, although you can configure your Services settings to manage certain information available to other users.

.. ICICI Bank may suspend or terminate the UPI Facility anytime without assigning any reason whatsoever without any prior notice upon the request of WhatsApp.

Access.Within the scope of our authorization to do so, and in accordance with our commitments under Privacy Shield, WhatsApp will work with its Partners to provide iniduals access to personal data about them that WhatsApp holds on behalf of its Partners. WhatsApp will also take reasonable steps to enable iniduals, either directly or in connection with the Partners, to correct, amend, or delete personal data that is demonstrated to be inaccurate.

Nothing in our Terms will prevent us from complying with the law.

Weve built , endtoend encryption, and other security features into WhatsApp. We dont store your messages once theyve been delivered. When they are endtoend encrypted, we and third parties cant read them.

We may amend or update this Payments Privacy Policy. We will provide you notice of amendments to this Payments Privacy Policy, as appropriate, and update the Last Modified date at the top of this Payments Privacy Policy. Your continued use of Payments confirms your acceptance of our Payments Privacy Policy, as amended. If you do not agree to our Payments Privacy Policy, as amended, you must stop using Payments and deregister your bank account from your WhatsApp VPA. Please review our Payments Privacy Policy from time to time.

.. The User shall provide correct beneficiary details to ICICI Bank at the time of availing the Facility. The User shall be solely responsible for entering wrong beneficiary details including but not limited to incorrect VPA, incorrect Aadhaar number or incorrect mobile number, due to which the funds are transferred to an incorrect beneficiary.

Please include all of the following information when reporting a copyright or trademark infringement claim to WhatsApp

.. The User agrees that they shall not be entitled to make any claim against Reserve Bank of India RBI and/or National Payment Corporation of India NPCI in respect to the Facility.

Termination.We may modify, suspend, or terminate your access to or use of our Services anytime for any reason, such as if you violate the letter or spirit of our Terms or create harm, risk, or possible legal exposure for us, our users, or others. The following provisions will survive any termination of your relationship with WhatsApp Licenses, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, Availability and Termination of our Services, Other, and Special Arbitration Provision for United States or Canada Users.

ThirdParty Services.When you use thirdparty services that are integrated with our Services, they may receive information about what you share with them. For example, if you use a data backup service integrated with our Services such as iCloud or Google Drive, they will receive information about what you share with them. If you interact with a thirdparty service linked through our Services, you may be providing information directly to such third party. Please note that when you use thirdparty services, their own terms and policies will govern your use of those services.

Payment Amount. You are responsible for the total payment amount. You must ensure that you have sufficient funds in your bank account before executing any transaction through Payments.

.. The User understands and agrees that certain information collected by ICICI Bank, including information obtained from Payments System Providers, acquiring banks, partner banks, the issuer bank of the senders funding account, the issuer bank of the beneficiarys bank account, NPCI and RBI or third parties, is shared between ICICI Bank and WhatsApp to provide the Facility. In addition, the User understands and agrees that ICICI Bank is required to share their personal information, such as name, email address and payment instrument details, with third parties for the purposes of processing transactions or for the use of the services to register their complaints. ICICI Bank will abide by NPCI guidelines and adhere to the customer dispute management process specified by NPCI.

Customer Support.You may provide us with information related to your use of our Services, including copies of your messages, and how to contact you so we can provide you customer support. For example, you may send us an email with information relating to our app performance or other issues.

To report claims of thirdparty copyright, trademark, or other intellectual property infringement, please visit ourIntellectual Property Policy. We may terminate your WhatsApp account if you repeatedly infringe the intellectual property rights of others.

Agreement to Arbitrate for WhatsApp Users Located in the United States or Canada.For WhatsApp users located in the United States or Canada, WhatsApp and you each agree to waive the right to a trial by judge or jury for all Disputes, except for the Excluded Disputes. WhatsApp and you agree that all Disputes except for the Excluded Disputes, including those relating to, arising out of, or in any way in connection with your rights of and publicity, will be resolved through final and binding arbitration. WhatsApp and you agree not to combine a Dispute that is subject to arbitration under our Terms with a Dispute that is not eligible for arbitration under our Terms.

Your Rights.WhatsApp does not claim ownership of the information that you submit for your WhatsApp account or through our Services. You must have the necessary rights to such information that you submit for your WhatsApp account or through our Services and the right to grant the rights and licenses in our Terms.

By applying for and accessing the Facility, the User accepts these terms, which shall govern the provision of the Facility by ICICI Bank. The Terms shall be in addition to and not in derogation of the regulatory guidelines issued from time to time.

WhatsApp Inc. WhatsApp, our, we, or us is committed to helping people and organizations protect their intellectual property rights. Our users agree to our Terms of Service Terms by installing, accessing, or using our apps, services, features, software, or website together, Services. Our Terms do not allow our users to violate someone elses intellectual property rights when using our Services, including their copyrights and trademarks.

Communications About Our Services and the Facebook Family of Companies.We communicate with you about our Services and features and let you know about our terms and policies and other important updates. We may provide you marketing for our Services and those of theFacebook mily of companies, of which we are now a part.

Forum and Venue.If you are a WhatsApp user located in the United States or Canada, the Special Arbitration Provision for United States or Canada Users section below applies to you. Please also read that section carefully and completely. If you are not subject to the Special Arbitration Provision for United States or Canada Users section below, you agree that you will resolve any Claim you have with us relating to, arising out of, or in any way in connection with our Terms, us, or our Services each, a Dispute, and together, Disputes exclusively in the United States District Court for the Northern District of California or a state court located in San Mateo County in California, and you agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such Disputes.

Availability of Our Services.Our Services may be interrupted, including for maintenance, repairs, upgrades, or network or equipment ilures. We may discontinue some or all of our Services, including certain features and the support for certain devices and platforms, at any time. Events beyond our control may affect our Services, such as events in nature and other force majeure events.

Fees and Taxes.You are responsible for all carrier data plan and other fees and taxes associated with your use of our Services. We may charge you for our Services, including applicable taxes. We may refuse or cancel orders. We do not provide refunds for our Services, except as required by law.

.. ICICI Bank means ICICI Bank Limited, a company incorporated under the Companies Act, , and licensed as a bank under the Banking Regulation Act, , and having its corporate office at ICICI Bank Towers, Bandra Ka Complex, Mumbai which expression shall, unless it be repugnant to the subject or con thereof, include its successors and assigns.

.. Notices under these Terms may be given in writing by delivering them by hand, or on ICICI Banks website or by sending them by post to the last address given by the User and, in the case of ICICI Bank, to its corporate office address. In addition, ICICI Bank may also publish notices of general nature, which are applicable to all Users, in a news or on its website at Such notices will have the same effect as a notice served inidually to each User. Notice and instructions will be deemed served days after posting or upon receipt in the case of hand delivery, cable, telex or csimile.

To report copyright infringement and request that WhatsApp remove any infringing content it is hosting such as a WhatsApp users profile picture, profile name, or status message, please email a completed copyright infringement claim to including all of the information listed below. You can also mail a complete copyright infringement claim to WhatsApps copyright agent

A description of the copyrighted work or trademark that you claim has been infringed.

WhatsApp Inc. WhatsApp, our, we, or us provides messaging, Internet calling, and other services to users around the world. Please read our Terms of Service so you understand whats up with your use of WhatsApp. You agree to our Terms of Service Terms by installing, accessing, or using our apps, services, features, software, or website together, Services.

Time Limit to Start Arbitration.We and you agree that for any Dispute except for the Excluded Disputes we and you must commence an arbitration proceeding within one year after the Dispute first arose; otherwise, such Dispute is permanently barred. This means that if we or you do not commence an arbitration within one year after the Dispute first arose, then the arbitration will be dismissed because it was started too late.

Your Account Information.You provide your mobile phone number to create a WhatsApp account. You provide us the phone numbers in your mobile address book on a regular basis, including those of both the users of our Services and your other contacts. You confirm you are authorized to provide us such numbers. You may also add other information to your account, such as a profile name, profile picture, and status message.

In this document, the following words and phrases have the meanings set opposite them unless the con indicates otherwise. Words or expressions used in this form, but not specifically defined herein, shall have the respective meanings assigned to them by NPCI.

We still do not allow thirdparty banner ads on WhatsApp.

. We collect information when you send or receive a payment, including the date and time, the sender and receivers VPA and name, and reference transaction number.

You agree to defend, indemnify, and hold harmless the WhatsApp Parties from and against all liabilities, damages, losses, and expenses of any kind including reasonable legal fees and costs relating to, arising out of, or in any way in connection with any of the following a your access to or use of our Services, including information provided in connection therewith; b your breach or alleged breach of our Terms; or c any misrepresentation made by you. You will cooperate as fully as required by us in the defense or settlement of any Claim.

Our Terms and Policies.You must use our Services according to our Terms and posted policies. If we disable your account for a violation of our Terms, you will not create another account without our permission.

any misrepresentation or breach of representation or warranty made by the User contained herein;

We always appreciate your feedback or other suggestions about WhatsApp and our Services, but you understand that we may use your feedback or suggestions without any obligation to compensate you for them just as you have no obligation to offer them.

NO AESS TO EMERGENCY SERVICES There are important differences between WhatsApp and your mobile and fixedline telephone and SMS services. Our Services do not provide access to emergency services or emergency services providers, including the police, fire departments, or hospitals, or otherwise connect to public safety answering points. You should ensure you can contact your relevant emergency services providers through a mobile, fixedline telephone, or other service.

Were beta testing the payments feature for a limited number of users in India. At this time, we dont have any updates for the feature more widely available.

.. The User shall be in compliance at all times with applicable laws regarding the use of the Facility and shall not use the Facility in violation of the applicable laws.

WhatsApp Inc.Attn WhatsApp Agent Willow RoadMenlo Park, California United States of America

Fees and Taxes. You must pay any applicable fees arising out of your use of Payments, including any overdraft, transaction, or other fees charged by your bank, PSPs, or WhatsApp. You must comply with applicable tax laws in connection with your use of Payments, including reporting and payment of any taxes related to transactions made through Payments and any income received from such transactions. WhatsApp is not responsible for withholding, collecting, reporting, or remitting any sales, use, value added, or other tax arising from any transaction you complete using Payments.

We reserve all rights not expressly granted by us to you. In certain jurisdictions, you may have legal rights as a consumer, and our Terms are not intended to limit such consumer legal rights that may not be waived by contract.

If you would like to manage, change, limit, or delete your information, we allow you to do that through the following tools

Place to File Permitted Court Actions.If you opt out of the agreement to arbitrate, if your Dispute is an Excluded Dispute, or if the arbitration agreement is found to be unenforceable, you agree to be subject to the Forum and Venue provisions in the Dispute Resolution section set forth above.

WhatsApps License to You.We grant you a limited, revocable, nonexclusive, nonsublicensable, and nontransferable license to use our Services, subject to and in accordance with our Terms. This license is for the sole purpose of enabling you to use our Services, in the manner permitted by our Terms. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights expressly granted to you.

Third Parties.WhatsApp may transfer data within theFacebook mily of companiesand to third parties, including service providers and other partners. In accordance with the Privacy Shield Principles, WhatsApp is liable for any processing of personal data by such third parties that is inconsistent with the Privacy Shield Principles unless WhatsApp was not responsible for the event giving rise to any alleged damage.

Acceple Use of Payments. You must access and use Payments only for legal, authorized, and acceple purposes, according to our Terms and postedpolicies. A PSP or WhatsApp may impose limits on your ability to send or receive payments, including transaction limits. A PSP or WhatsApp may also cancel any transaction if we believe the transaction violates the Terms, these Payments Terms, posted policies, or the PSPs terms.

Our Services may allow you to access, use, or interact with thirdparty websites, apps, content, and other products and services. For example, you may choose to use thirdparty data backup services such as iCloud or Google Drive that are integrated with our Services or interact with a share button on a third partys website that enables you to send information to your WhatsApp contacts. Please note that when you use thirdparty services, their own terms and policies will govern your use of those services.

. When you register to use Payments, you provide your banks name, partial debit card number, and debit card expiration date. You will also be asked to provide your ATM PIN or UPI PIN, or to set up an UPI PIN for payment transactions if you do not already have one. We receive your debit card details and ATM PIN or UPI PIN securely, and we do not retain this information.

.. The role of ICICI Bank hereunder is limited to acting as a Payment Service Provider, which would include receiving from WhatsApp, bank information/data of the User for the purpose of i creation of the VPA; and ii processing the transactions initiated by the User using the UPI Facility as per applicable law.

.. The User shall be bound by any Payment Order executed by ICICI Bank if ICICI Bank has executed the Payment Order in good ith and in compliance with the instructions given by the User on the WhatsApp Application.

PSPs Role. When you initiate a transaction through Payments, a designated PSP receives the instructions and processes the transaction via UPI. By using Payments, you will also need to agree to the PSPs terms and policy, which will be presented to you when you first use Payments. The PSPs terms and policy are also availablehere. These Payments Terms govern the relationship between WhatsApp and you regarding Payments, and the PSPs terms govern the relationship between the PSP and you.

Your messages are yours, and we cant read them.

Last modified August , archived versions

The information in your claim is accurate; and

.. The User authorises ICICI Bank to act as a PSP and debit Accounts as per instructions received by way of Payment Orders. The User understands that although multiple bank accounts can be linked with the Facility, debit/credit transactions can be done from the deult account which is selected by the User before transactions until changed by the User for subsequent transactions. Each Account that may be linked with the UPI cility can be opened with a separate username. The User shall ensure availability of funds in their Accounts towards the fulfillment of the Payment Order before/at the time of the execution of the Payment Order by ICICI Bank. The User hereby authorises ICICI Bank to debit the Accounts of the User for any liability incurred by ICICI Bank on behalf of the User for execution of the Payment Order issued by the User. The User understands and agrees that once a fund collection request is accepted, the deult account will automatically be credited with such amounts as may be mentioned in the Payment Order. The User understands and agrees that such amounts once credited to the deult account cannot be reversed by the User.

.. User means the applicant/remitter availing of the Facility through the Accounts and satisfying the following conditions

Enforcement.WhatsApps compliance with the Privacy Shield Principles is subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission.

A description of the content hosted on our Services that you claim infringes your copyright or trademark.

Our updated Terms and Privacy Policy are easier to understand and reflect new features such as WhatsApp Calling and WhatsApp for web and desktop.

Before you report a claim of trademark infringement, you may want to send a message to the relevant WhatsApp user you believe may be infringing your trademark. You may be able to resolve the issue without contacting WhatsApp.

.. UPI refers to the Unified Payments Intece Service offered by NPCI in collaboration with its member banks.

We use all the information we have to help us operate, provide, improve, understand, customize, support, and market our Services.

.. Payment Order means an unconditional instruction issued by the User through the WhatsApp Platform to effect a fund transfer for a certain sum of money expressed in Indian rupees, to the designated account of a designated beneficiary by debiting the Accounts of the User.

We use cookies to understand, secure, operate, and provide our Services. For example, we use cookieslegal businessWhatsApp Legal Info