Terms Conditions

Please read these BHIM terms and conditions ("Terms") carefully before registering, accessing or using the Bharat Interface for Money Application (“BHIM App” or “App”) owned by National Payments Corporation of India (“NPCI”, “We”, “Us” and “Our”). These Terms govern your (“User”, “you”, “your” and “yourself”) use and access of the App. By registering on the App, accessing and/or using the App indicates that you have read, understood, accepted and agreed to be bound by these Terms. However, if you do not agree to or wish to be bound by these Terms, you may stop using the Features and uninstall the App, immediately.

ACCEPTANCE:

These Terms and Conditions are an electronic record in terms of the Information Technology Act, 2000 and the rules framed thereunder, as applicable and amended from time to time, pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures.

DEFINITIONS:

USERS ELIGIBILITY:

YOUR ACCOUNT:

TERMS AND SCOPE OF FEATURES THROUGH THE APP:

TERMS AND CONDITIONS – UPI CIRCLE:

HARDWARE AND COMMUNICATION SYSTEM:

USER COVENANTS AND OBLIGATIONS:

FEES AND PAYMENT TERMS:

Registration on the App is free. NPCI does not charge any fee for using the App. However, NPCI reserves the right to introduce fees. Any changes to the fee/pricing policies will be posted on the App and such changes shall automatically become effective immediately after they are posted on the App or at such date as may be prescribed by NPCI in this regard.

USE OF THE APP:

Subject to compliance with these Terms, NPCI grants you a non-exclusive, revocable, limited privilege to access and use the App and avail / access the Features. You agree to use the App only  (a) for purposes that are permitted by these Terms; (b) for purposes for which the App is meant to be used; and (c) in accordance with any applicable laws and regulations. All material added, created, uploaded, submitted, distributed, or entered on to the App by you is your sole responsibility. NPCI reserves the right to review any information provided/data uploaded, if any, by you on the App and delete any information/data that is inconsistent with these Terms. 

PROHIBITED USES:

MODIFICATIONS TO PLATFORM:

NPCI reserves the right to modify, suspend, or discontinue the App including the Features at any time without notice to you. NPCI reserves the right to make modify / changes these Terms, at any time without notice.

LINKS TO THIRD-PARTY WEBSITES:

Links on the App to third-party websites, platforms, content, services and or products (collectively “Third-Party Site”) are provided solely as a convenience to you. Including a link to a Third-Party Site does not constitute or imply endorsement by, or affiliation with, NPCI of that Third-Party Site, including its operator or its contents, services and/or offerings. If you use these links, you may leave the App. NPCI is not obligated to review such Third-Party Site, does not control such Third-Party Site, and is not responsible for them. Thus, NPCI does not endorse or make any representations about such Third-Party Site including any information, software, products, services, content or materials found there or any results that may be obtained from using them. If you decide to access any of the Third-Party Site linked to from the App, you do this entirely at your own risk.

OWNERSHIP AND INTELLECTUAL PROPERTY RIGHTS:

INDEMNIFICATION:

You agree to indemnify, defend, and hold harmless each of NPCI Parties (as defined below) from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from your (or anyone using your User Account's) breach or violation of these Terms (including without limitation or representation, warranties and or covenant) or misrepresentation with respect to your information or arising out of your violation of any applicable laws, regulations including but not limited to intellectual property rights, payment of statutory dues and taxes, fraudulent transactions or other rights. NPCI reserves the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with NPCI's defence of such claim. This clause shall survive the expiry or termination of these Terms.

ELECTRONIC COMMUNICATIONS:

TERMINATION:

DISCLAIMERS:

LIMITATION OF LIABILITY

GOVERNING LAW AND JURISDICTION:

These Terms and the relationship between you and NPCI shall be governed by the laws of the India as applied to agreements made, entered into, and performed entirely in India, notwithstanding your actual place of residence. The appropriate courts and forums at Mumbai, Maharashtra shall have exclusive jurisdiction in any proceedings arising out of the use of App and these Terms. NPCI 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 you hereby consents to that jurisdiction.

GENERAL:

These Terms, additional terms to which you agree when using particular elements of the App and the Features, constitute the entire and exclusive and final statement of the agreement between you and NPCI with respect to the subject matter hereof, superseding any prior agreements or negotiations between you and NPCI with respect to such subject matter. NPCI shall neither be liable to the other nor shall be in default if, and to the extent that, the performance or delay in performance of any of its obligations under these Terms is prevented, restricted, delayed or interfered with due to circumstances beyond the reasonable control of NPCI or any force majeure event. The failure of NPCI to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, you nevertheless agree that the court should endeavour to give effect to the intentions of NPCI and you as reflected in the provision, and that the other provisions of these Terms remain in full force and effect. The Clause titles in these Terms are for convenience only and have no legal or contractual effect. These Terms shall remain in full force and effect notwithstanding any termination of your use of the App and or the Features. These Terms will be interpreted without application of any strict construction in favour of or against you or NPCI. These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by NPCI without restriction.

MODIFICATIONS TO THESE TERMS AND CONDITIONS:

NPCI may, in its sole and absolute discretion, change these Terms from time to time. NPCI may post such modified Terms on the App. If you object to any such changes, your sole recourse shall be to cease using the App and the Features. Your continued use of App and the Features following notice of any such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes. Certain provisions of these Terms may be superseded by expressly-designated legal notices or terms located on particular pages of the App and, in such circumstances, the expressly-designated legal notice or term shall be deemed to be incorporated into these Terms and to supersede the provision(s) of these Terms that are designated as being superseded.