Terms & Conditions

Last updated: 22nd May 2024

1. Introduction

Applicable Terms. Thank you for using Google Pay. For purposes of the Combined Google Pay Terms (defined below), “Google Pay” is a service that is provided to users resident in India by Google India Digital Services Private Limited with registered office at 5th floor, DLF Centre, Block 124, Narindra Place, Sansad Marg, New Delhi – 110001 (“Google”), and was previously named Tez. By accessing, downloading or using Google Pay, you agree to comply with and be bound by the following:

These five documents are collectively referred to herein as the “Combined Google Pay Terms.”

Please read each of these Combined Google Pay Terms carefully, starting with the Universal Terms as they contain important information about your legal rights, remedies and obligations. These Combined Google Pay Terms constitute a legally binding agreement between you and Google governing your access to and use of the Google Pay Services (as herein defined). If you do not understand these documents or do not accept any part of them, then you should not use the Google Pay Services. You understand that services may be offered incrementally on Google Pay, and that these Combined Google Pay Terms may be applicable accordingly.

Use of Google Group Companies. You also understand and hereby agree that Google reserves the right to use the services of its Group Companies (as herein defined) to provide any of the Google Pay Services to you, on behalf of Google.

You further understand and agree that Google reserves the right to update any of these Combined Google Pay Terms from time to time. You must ensure that you keep yourself up-to-date and read the Combined Google Pay Terms at close intervals. If there is any conflict between these Google Pay Terms and the Universal Terms, these Google Pay Terms will prevail.

By accepting the Combined Google Pay Terms, you represent and warrant the following:

  • You are 18 years of age or older;
  • You are capable of entering into a legally binding agreement; and
  • You are not barred or otherwise legally prohibited from accessing or using Google Pay under the laws of India.

Third Party Terms and Conditions. Google may facilitate provision of third party products or services to you within Google Pay. In order to use these third party products or services, you may need to accept additional terms and conditions and meet additional requirements.

2. Payment Participants and Third Party Providers

Communications with Payment Participants. By electing to use Google Pay, you authorize Google to communicate with Payment Participants or any Third Party Provider or service provider to provide or obtain any information, including your personal information, for the purpose of processing Transaction or providing Google Pay Services or for risk management and fraud assessment purposes. You understand that Google may also share any message that you send other Users, Merchants, Billers, at the time of requesting or making a Payment Transaction with the Payment Participants as may be required by and in accordance with Applicable Laws.

Compliance with Payment Participants’ Rules. As you will be using Payment Participants’ services to process your payment instructions, you consent and agree to comply with the rules, guidelines, directions, instructions, requests, etc. issued by the respective Payment Participants from time to time (“Payment Participant Rules”). You acknowledge and agree that You are responsible for keeping yourself up-to-date and complying with all such Payment Participant Rules. If You fail to comply with the obligations imposed on You by Google or the Payment Participants, we may suspend or terminate your Google Account on Google Pay. For the avoidance of doubt, the Payment Participant Rules are between you and the respective Payment Participant. Google is not liable for any actions or inactions of such Payment Participants.

Google’s Use of Third Party Providers. In addition, Google may have arranged for third party providers to provide products or services to you through Google Pay (“Third Party Providers”). In order to use these products or services, you may be required to agree to additional terms and conditions from such Third Party Providers, and may be subject to additional requirements of the Third Party Provider. By agreeing to these Combined Google Pay Terms or continuing to use Google Pay Services, you hereby agree to any Third Party Provider terms that apply to your use of such products and services through Google Pay, which may be updated from time to time. For the avoidance of doubt, the Third Party Provider terms are between you and the applicable Third Party Provider, not Google. Google is not liable for any actions or inactions of such Third Party Providers.

3. Fees

Payment Participants or Third-Party Fees. You may incur access or data fees from the Payment Participants or Third Party Providers in connection with your use of Google Pay. You are responsible for all such fees.

Google Fees. Fees may be applied to certain Transactions or use of Google Pay Services which include but are not limited to mobile recharges. Prior to completing each Transaction, you will be notified of any fees, if applicable, that may apply. Fees may be determined by Google in its sole discretion and any fees charged will be inclusive of all applicable taxes.

4. Gold Account

Limits on holding or Purchase of Gold. Google may impose limits on the amount of Gold that is held in your GAP account or the amount you could transact on GPay to accumulate Gold in your GAP account.

Suspension and Termination of GAP Accounts. Google reserves the right, in our sole and absolute discretion, to (a) suspend access to Your Gold Account; or (b) request MMTC to terminate your GAP Account, without notice and without liability to you or any third party, for any reason, including submission of incorrect KYC details, fraud, violation of these Combined Google Pay Terms or other policies we may establish from time to time. In such event, Google may take any action it deems necessary including crediting Your bank account and having MMTC repurchase Your Gold.

Hosting Information. Google will display such information on Google Pay, from time to time, as may be provided and updated by MMTC in relation to the Gold for general information purposes. Google shall neither be liable nor be responsible for the accuracy of such information which is provided by MMTC.

Payment Transaction. All Payment Transactions initiated on the Gold Account shall be subject to the Combined Google Pay Terms. For avoidance of doubt, Google will provide the technology integration of the GAP with Your Google Account on Google Pay. However, all Gold Transactions are conducted between You and MMTC only. Google shall neither be responsible nor liable for any losses arising out of or in relation to any Gold Transaction.

Storage of Information. By opening a Gold Account on Google Pay, You expressly authorize Google Pay to access, use and store Gold transaction information and other information related to Your Gold Account on an ongoing basis for the purpose of providing you with services on Google Pay.

5. Communication services

You are able to send messages via Google Pay. You are responsible for any communication made by you with other service providers, Users, Merchants, or Billers through Google Pay. Google merely provides the platform to enable you and other service providers, Users, Merchants or Billers to communicate with each other (Communication Platform) and is not responsible for any conversation between the parties. You must ensure that no illegal, unlawful or unauthorised communication is delivered through Google Pay. The content of the communication must comply with these Combined Google Pay Terms and in particular, the Google Pay Policies. You agree not to make any offers, promotions or advertisements to other Users directly through the Communication Platform. Google reserves the right to suspend or terminate your use of Google Pay Services, in whole or in part, in the event of any communication that is not in compliance with the Google Pay Policies or these Combined Google Pay Terms. Google reserves the right through automated means, to collect, store, use, access your Google Pay communications for the purposes outlined in Section 21.

6. Responsibility for Taxes

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

7. Indemnification

You agree to indemnify, defend and hold harmless Google, Group Companies, the Payment Participants, and its and their directors, officers, owners, agents, co-branders or other partners, employees, information providers, licensors, licensees, consultants, contractors and other applicable third parties (collectively “Indemnified Parties”) from and against any and all claims, demands, causes of action, debt or liability, including reasonable attorney fees, including without limitation attorneys fees and costs incurred by the Indemnified Parties arising out of, relating to, or which may arise from:

(a) your use of the Services;

(b) any breach or non-compliance by you of any term of these Google Pay Terms or any Google Pay policies;

(c) any dispute or litigation caused by your actions or omissions; or

(d) your negligence or violation or alleged violation of any applicable law or rights of a third party.