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Our Policies

We suggest you go through our policies carefully, and keep visiting for updates.

Paytm Money is a transparent and ethical company. We provide users our services in agreement with the following terms of use.

We suggest you to go through our terms and conditions carefully before you make use of our services.

TERMS OF USE
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This document lays out the terms and conditions that apply to the access and use of the Paytm Money platform through the website “www.paytmmoney.com” (herein after referred to as “Website”), Mobile Application “Paytm Money”, including any other sub-domain or platform which is owned, developed, managed or operated by Paytm Money Limited, and/or its affiliates (hereinafter referred to as “App”). App and website shall together hereinafter referred as “Platform”. Paytm Money Limited shall hereinafter be referred to as “Paytm Money.”

In terms of Information Technology Act, 2000, this document is an electronic record, being generated by a computer system and it does not require any physical or digital signature. Your acceptance to the terms and conditions shall be considered as your consent to use the App, the Website, the services and products (collectively referred to herein as “Services”) provided by Paytm Money in accordance with the terms and conditions laid down by Paytm Money.

These Terms and Conditions are published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and user agreement for access or usage of the intermediary's computer resource by any person.

Interpretation

The words, "him", "his", "You", “Your”, “Client”, “User” “Investor”, “I”, “Subscriber” and "Customer" refer to the person(s) who use and avail the Services and Products of Paytm Money Website / App and shall include both singular and plural. The Services provided herein is only for Customers who are Indian citizens and tax resident of India.

These terms shall constitute a binding contract between Paytm Money and you when you download the App or use the services on Website and/or the App or use its Services on any other platform managed by Paytm Money and shall be referred to herein as the “Agreement”. Downloading and installing the App or using the services of the Website or the App shall be deemed to constitute sufficient proof that you have read, understood and accepted these terms.

These Terms and Conditions contain important information regarding the Services that Paytm Money will provide to you and for your own protection you should read them carefully before accepting them. If you do not agree to these terms you must not proceed to use the App or use the Services provided on the website or mobile application.

This Agreement may be read with our privacy policy document or other such documents as may apply to a particular account/ service/ situation/ circumstance/ transaction.

Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force. All headings, bold typing and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of the terms contained herein.

Without prejudice to any other specific requirement which may be laid out in this Agreement, your use of the App/Website and the Services and specifically, your acceptance of these terms as aforesaid shall be deemed to be a representation from you that you are above 18 years of age, or possess legal parental or guardian consent, and are fully able, conscious and competent to enter into this Agreement and make your investment decisions, execute the investment transactions, evaluate the advice, if any, and confirm to abide by and comply with the terms set forth herein.

DESCRIPTION OF THE PAYTM MONEY APP/WEBSITE
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Paytm Money (including the App and Website are owned by Paytm Money Limited, a company incorporated under the Companies Act, 2013 and having its registered office at 136, Ist Floor, Devika Tower, Nehru Place, New Delhi – 110019 and is also registered with the Securities and Exchange Board of India (‘SEBI’) as an Investment Adviser under SEBI (Investment Advisers) Regulations, 2013 (‘IA Regulations’) vide registration INA100009859) and is also registered with the Securities and Exchange Board of India (‘SEBI’) as a stockbroker(INZ000240532) and depository participant (IN-DP-416-2019). Paytm Money is in the business of providing investment and wealth management services to users through its technology Platform.

Paytm Money shall through its Website/App provide wealth management services.

Paytm Money shall also maintain a record of your information with respect to the services availed / intended to be availed by you through the Platform. Paytm Money can collect any related information with respect to the services availed / intended to be availed by you through the Platform from third party vendors and process it in order to display the updated information on the Platform at all times. Paytm Money makes best efforts to ensure that the information is correct and updated at all times. However, as the information is received from a third party, Paytm Money will not be responsible for any incorrect information on the platform.

Paytm Money uses Application Programming Interfaces and portals provided by third party service providers to facilitate transactions. Paytm Money maintains the status of the transactions, account opening status, KYC, portfolio etc. based on the data provided by the third party service providers and as per the regulations prescribed from time to time.

USE OF THE APP/WEBSITE/SERVICE
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  • User will be allowed to avail or use the services only when the User completes the KYC, Investment Readiness and Information Verification process and provides the complete personal information in accordance with the Know Your Client (“KYC”) guidelines issued by the Securities and Exchange Board of India (“SEBI”), Pension Fund Regulatory and Development Authority (“PFRDA”), AMCs, RTAs, or any other regulatory / government agencies or authorities from time to time. Paytm Money may use your personal data and in order to provide services to you, your personal information may be processed by or transferred or disclosed to and/or by third parties like AMC’s, RTA’s, KRAs, CERSAI, Statutory Bodies or Agency, or 3rd party service providers & partners etc where necessary to enable us to provide services to you. With your consent, your personal information and usage of the website / mobile app / services of Paytm Money may be used by us in order to provide you with information, user experience and marketing materials in relation to other products and services. By entering into this Agreement, you confirm your wish for your personal information to be processed for these additional purposes. If you do not agree with these terms, we suggest you do not signup or avail any services offered by Paytm Money.
  • You may avail the Services by using your Paytm Money user id and password which is provided by Paytm (One97 Communications Limited). You agree that you shall be solely responsible to ensure protection and confidentiality of the user ID and password at all times and any disclosure thereof shall be entirely at your risk.
  • You shall not use the App/Website/Service for any commercial purpose.
  • In your use of the App/Website/Service, you shall always comply with all applicable laws.
  • You agree not to circumvent, disable or otherwise interfere with security-related features of the App/Website/Service or features that prevent or restrict use or copying of any content or enforce limitations on use of the App or the content therein.
  • Except for the Services explicitly provided, Paytm Money does not provide, control or endorse any third party information, products or services in any manner whatsoever, even if such third party information, products or services are displayed/ featured on the App/Website.
  • You hereby represent and warrant that you shall make use of the App/Website/Service as a prudent, reasonable and law-abiding citizen of India.
  • Paytm Money shall not be responsible for any delay or failure in processing any transaction or any request whatsoever resulting from infrastructure issues, like server uptime, network availability and connectivity.
  • You shall not take any action that would cause Paytm Money to suffer any type of loss.
  • You shall notify Paytm Money of any material change in your situation and/or profile and Paytm Money would rely on the most recent information provided by you.
  • Paytm Money does not take the responsibility, liability and undertake the authenticity of the figures calculated on the basis of calculator provided herein for calculations towards prospective investments. The data content provided is obtained from sources considered to be authentic and reliable. However, Paytm Money is not responsible for any error or inaccuracy or for any losses suffered on account of information.
  • Paytm Money has the sole authority and right to reject a Customer’s request to open an account with Paytm Money. Paytm Money may at its discretion choose to disclose or not disclose the reason for not opening such account. Paytm Money may also reject / suspend / freeze Customer’s request to open or operate his or her account on directions received from regulatory or government bodies & authorities.
  • The Calculators/Tools/Planners are designed to assist you in determining the appropriate amount. These Calculators/Tools/Planners alone are not sufficient and shouldn’t be used for the development or implementation of an investment strategy. You are requested to make your investment decisions at your own will.
  • I understand that all entities are acting within scope of guidelines / regulations defined or suggested by SEBI / AMFI or any other regulator.
  • The Customer agrees, acknowledges and provides his/her consent that the information provided by him/her may be shared with regulators/ government bodies as and when required or requested by them.
  • The Customer understands and consents to record his / her telephonic conversations with the customer support department (managed by itself or through any outsourced vendor) for quality control, record retention purposes, and other similar purposes however we agree to keep such records confidential.
  • The Customer understands that he/she can login through his / her Paytm Login Credentials. By logging into the Paytm Money App/Website using these credentials, the Customer acknowledges and provides consent to verify his/her credentials with One97 Communications Limited.
  • “The customer understands and consents that all the transactions, financial or non-financial, carried out by the customer through the Paytm Money App or Website or through any other intermediary in relation to Paytm Money, shall be tagged to the RIA code of Paytm Money ie. 'INA100009859'.”
  • All investments through the Paytm Money Platform shall be made at the sole discretion of the User and all investments will be executed by the User only or as per the directions issued by the User.
  • The User hereby confirms and acknowledges that the information provided by the User hereunder or thereafter after the login to the Paytm Money App or Website may be used by Paytm Money for marketing purposes and cross selling purposes.
  • The User hereby declares that the transactions made through the Paytm Money Platform shall be through his/her own legitimate source/ Bank Account only and the said transctions do not contravene any Act, Rules, Regulations, Notifications or Directives of the provisions of the Income Tax Act, Anti Money Laundering Laws, Anti-Corruption Laws or any other applicable laws enacted by the Government of India from time to time.
  • The User hereby gives his / her consent to share/provide the transactions data feed/portfolio holdings/NAV etc. in respect of my investments under Direct plan of all schemes to Paytm Money (SEBI registered investment advisor)
LINKS TO OTHER SITES
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The App / Website / Services may contain links, information or pointers to other websites or services for payments, information verifications, information processing, transaction processing or other required/appropriate services but you should not infer or assume that Paytm Money operates, controls, manages or is otherwise connected with these other websites. When you click on a link within the App / Website, Paytm Money may or may not warn you that you have left the App/Website and are subject to the terms and conditions, disclaimers (including privacy policies) of another website or its partners & service providers. Please be careful to read the terms of use and privacy policy of any other website before you provide any confidential information or engage in any transactions. You should not rely on the terms of Paytm Money to govern your use of another website. Paytm Money is not responsible for the content or practices of any other website even if it links to the site and even if the website is operated by a company affiliated or otherwise connected with Paytm Money. You acknowledge and agree that Paytm Money is not responsible or liable to you for any content or other materials hosted and served from any website other than the App/Website.

CONSIDERATION AND PAYMENT TERMS
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  • Paytm Money shall have the right to charge its users a fee for use of its platform and services as set out in the Fees and Charges section on the Website /App. Paytm Money may change fee structure as it determines in its sole discretion from time to time and notice regarding the same shall be intimated to you adequately in advance prior to such change in fee structure. All charges and fees shall be exclusive of taxes and all Government taxes including but not limited to GST shall be payable by you. All charges shall be non-transferable.
  • All payments shall be made by Credit Card, Debit Card, UPI, Mobile Wallet, Net Banking, OTM, e-mandate / Bank Mandate or such other method as Paytm Money may specify from time to time.
  • I/We have not received nor have been induced by any rebate or gifts.
CONFIDENTIALITY
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  • You shall keep confidential information received from Paytm Money pursuant to this Agreement, even after termination of this Agreement. You agree to protect the proprietary information of Paytm Money to which you gain access to with the same standard of care and procedures used to protect your own proprietary information of similar importance but at all times using reasonable degree of care.
  • You agree not to use or disclose the information provided under the service to any third party including any discussion Forums or for any unauthorized illegal purpose or for commercial usage. You also agree to use the information provided under the plan strictly for personal purpose. You should not recompile, disassemble, copy, modify, distribute, transmit, display, perform, reproduce, publish or create derivative works from, transfer, or sell any information, services etc accessed here. You agree that any unauthorized use of Paytm Money information or systems shall be unlawful and may subject to civil or criminal penalties.
TERMINATION; AGREEMENT VIOLATIONS
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You agree that Paytm Money, in its sole discretion, for any or no reason, and without penalty, may suspend or terminate your account (or any part thereof) or your use of the App and Website, at any time. Paytm Money may also in its sole discretion block, restrict, disable, suspend or terminate your access to the App and the Website, or any part thereof, with or without notice. You agree that any termination of your access to the Website and/ or the App or any account you may have or portion thereof may be effected without prior notice, and you agree that Paytm Money will not be liable to You or any third party for any such termination or interruption. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Paytm Money may have at law or in equity. Upon termination for any reason, you agree to immediately stop using the App/Website/Service. The User may terminate his/her account with Paytm Money by raising a termination request through the CST section of the App / Website. Such termination request can only be initiated when (i) the portfolio value of the User is Zero, and (ii) there are no monies due to Paytm Money from the User.

LIMITATION OF LIABILITY AND DAMAGES
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  • In no event, Paytm Money or its contractors, agents, licensors, directors, employees, associates, partners or suppliers will be liable to You for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation lost business opportunities, losses in investment products, lost revenues, or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) howsoever arising.

  • In no event, Paytm Money, directors, employees, agents will be liable to You or any third party for any damages, liabilities, losses, and causes of action arising out of or relating to: (i) this Agreement; (ii) use of or access to the App and / or the Website or any reference site/app/platform/service; or (iii) Your use or inability to use the Services provided by Paytm Money (including any and all materials) or any reference sites/app/platform/service; or (iv) any other interactions with Paytm Money, or (v) any action caused by any other third party, however caused and whether arising in contract, tort including negligence, warranty or otherwise, beyond or in excess of INR 500, or the amount required as per Regulatory guidelines.

  • You acknowledge and agree that Paytm Money has offered its Services, set its prices, and entered into this Agreement in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between You and Paytm Money, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between You and Paytm Money. Paytm Money would not be able to provide the Services to you on an economically reasonable basis without these limitations. This paragraph shall survive the termination of this Agreement.

INDEMNIFICATION
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You agree to indemnify, save, and hold Paytm Money / the AMC / Mutual Fund, their affiliates, employees, officers, directors and partners harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including without limitation legal fees and expenses, arising out of or related to: (i) Your use or misuse of the Services/App/Website; (ii) any violation by You of this Agreement or applicable laws; or (iii) any breach of the representations, warranties, and covenants made by You herein; or (iv) any act, neglect, misconduct or fraud on your part; or (v) sharing and or disclosing the information disclosed hereunder. Paytm Money reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Paytm Money, including rights to settle, and you agree to cooperate with Paytm Money’s defense and settlement of these claims. Paytm Money will use reasonable efforts to notify You of any claim, action, or proceeding brought by a third party that is subject to the foregoing indemnification upon becoming aware of it. This paragraph shall survive termination of this Agreement.

DISCLAIMER; NO WARRANTIES
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  • To the fullest extent permissible pursuant to applicable law, Paytm Money and its third-party partners disclaim all warranties or guarantees – whether statutory, express or implied – including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights. No advice or information, whether oral or written, obtained by You from Paytm Money or through the App/Website/Service will create any warranty or guarantee other than those expressly stated herein. For the purposes of this Disclaimer, You expressly acknowledge that as used in this section, the term “Paytm Money” includes Paytm Money’s officers, directors, employees, affiliates and subsidiaries. You expressly agree that use of the Services on App/Website is at Your sole risk.

  • Paytm Money and any third party suppliers, licensors, affiliates, subsidiaries and partners do not warrant or make any representations regarding the use or the results of the use of the App/Website/Service in terms of correctness, accuracy, reliability, or otherwise.

  • You understand and agree that if you use, access, download, or otherwise obtain information, materials, or data through the App/Website/Service, the same shall be at your own discretion and risk and that you will be solely responsible for any damage to your property (including your computer system and/or other device) or loss of data that results from the download or use of such material or data. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement. This paragraph shall survive termination of this Agreement. In no event will Paytm Money be liable for any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the App/Website/Service.All information provided through the App or the Website is provided on an “AS IS” best effort basis. You expressly agree that use of the App/Website/Service is at your sole risk. The App/Website/Service and any data, information, third party software, reference sites, services, or software made available in conjunction with or through the App/Website/Service are provided on an “as is” and “as available,” “with all faults” basis and without warranties or representations of any kind either express or implied. Paytm Money and any third party suppliers, affiliates, subsidiaries, licensors, employees, and partners do not warrant that the data, software, functions, or any other information offered on or through the app will be uninterrupted or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected.

  • You will not solely rely on the views, representations (whether written or oral or otherwise), recommendations, opinions, reports, analysis, information or other statement made by Paytm Money or any of its agents, directors, officers or employees. In the event that you seek to make an investment pursuant to the information or recommendation provided by Paytm Money, you shall do so at your own risk, and should consider your financial situation, objectives and needs and consult with your legal, business, tax and/or other professional advisors to determine the appropriateness and consequences of such an investment. You agree that all the final decisions will be yours and Paytm Money will not have any liability for consequences of such decisions.

  • The subscription data for IPO is for information purpose only, you should independently research and verify the information you find on our website/application and wish to rely upon whether for the purpose of making an investment decision in the IPO or otherwise. PML is not responsible for any incorrect information displayed here.

OWNERSHIP; PROPRIETARY RIGHTS
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The App/Website/Service are owned and operated by Paytm Money. The visual interfaces, graphics, design, compilation, information, computer code (including source code and object code), products, software, services, and all other elements of the Services and the App/Website provided by Paytm Money (hereafter Materials) are protected by Indian copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. As between You and Paytm Money, all Materials, trademarks, service marks, and trade names contained on the App/Website/Service are the property of Paytm Money. You agree not to remove, obscure, or alter Paytm Money or any third party’s copyright, patent, trademark, or other proprietary rights notices affixed to or contained within or accessed in conjunction with or through the App/Website/Service. Except as expressly authorized by Paytm Money, You agree not to sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from, or otherwise make unauthorized use of the Materials. Paytm Money reserves all rights not expressly granted in this Agreement. If You have comments regarding the App/Website/Service or ideas on how to improve it, please contact customer service. Please note that by doing so, You hereby irrevocably assign to Paytm Money, and shall assign to Paytm Money, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.

MODIFICATION OF THIS AGREEMENT
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Paytm Money reserves the right to change, modify, add, or remove portions of this Agreement, privacy policy and disclaimers displayed on our Platform from time to time (“Terms”) (each, a change and collectively, changes). The revised Terms shall be made available on the Platform. You are requested to regularly visit the Platform to view the most current version of the Terms. It shall be Your responsibility to check the Term periodically for changes. The changes will become effective, and shall be deemed accepted by You, 24 hours after the initial posting and shall apply immediately on a going-forward basis with respect to Your use of the Platform, availing the Services or for payment transactions initiated through the Platform after the posting date. If You do not agree with any such change, Your sole and exclusive remedy is to terminate Your use of the App/Website/Service. For certain changes, Paytm Money may be required under applicable law to give You advance notice, and Paytm Money will comply with such requirements. Your continued use of the App/Website/Service following the posting of changes will mean that You accept and agree to the changes.

NOTICE
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  • Paytm Money may provide You with notices and communications by e-mail, SMS, push notifications, regular mail or postings on the App/Website or by any other reasonable means. Except as otherwise set forth herein, notice to Paytm Money must be sent by courier or registered mail to [legal@paytmmoney.com].

  • Paytm Money shall send out all notices, information and other correspondence to you by email /sms at the email address / telephone number provided by the User. In the event any notice, information or other correspondence is sent to you via letter, such letter will be sent to the postal address that you have given as your Communication address. In case of any change in your email id and/or mobile number/ Correspondence address, you shall inform Paytm Money in advance in the prescribed format to carry out the necessary changes in its records.

  • Paytm Money does not guarantee that electronic communications will be successfully delivered, or that they will be secure and virus free. Paytm Money will not be liable for any loss, damage, expense, harm or inconvenience caused as a result of an email being lost, delayed, intercepted, corrupted or otherwise altered or for failing to be delivered for any reason beyond our reasonable control. All correspondence will be in English.

  • You agree to be contacted by Paytm Money and its representatives over phone or on registered email id with reference to the Services. You agrees & confirm that if your mobile number is registered in the Do Not Disturb (DND) list of TRAI, you may not receive SMS from Paytm Money. You agree to take steps to deregister from the DND list and shall not hold Paytm Money liable for non-receipt of SMS in the interim period.

WAIVER
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The failure of Paytm Money to exercise or enforce any right or provision of this Agreement will not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by Paytm Money.

DISPUTE RESOLUTION
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If any dispute, controversy or claim arises under this Agreement or in relation to App/Website/Service, including any question regarding the existence, validity or termination of this Agreement or any specific terms contained herein (hereinafter Dispute), the parties shall use all reasonable endeavors to resolve such Dispute amicably. If the parties are unable to resolve the Dispute amicably within 30 days of the notice of such Dispute, Paytm Money may elect to resolve any Dispute by a binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996 (hereinafter Act). Such Dispute shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The Dispute shall be resolved by a sole arbitrator, appointed by Paytm Money on behalf of both the Parties in accordance with the Act. The seat of the arbitration shall be New Delhi and the language of this arbitration shall be English. Either You or Paytm Money may seek any interim or preliminary relief from a court of competent jurisdiction necessary to protect the rights or the property belonging to You or Paytm Money (or any of our agents, suppliers, and subcontractors), pending the completion of arbitration. Any arbitration shall be confidential, and neither You nor Paytm Money may disclose the existence, content or results of any arbitration, except as may be required by law or for purposes of enforcing the arbitration award. All administrative fees and expenses of arbitration will be divided equally between You and Paytm Money. In all arbitrations, each party will bear the expense of its own lawyers and preparation. This paragraph shall survive termination of this Agreement.

GOVERNING LAW AND FORUM FOR DISPUTES
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Subject to the Dispute Resolution section above, you agree that any claim or dispute you may have against Paytm Money must be resolved by a court having jurisdiction in New Delhi, India. You agree to submit to the personal jurisdiction of the courts located within New Delhi, India, for the purpose of litigating all such claims or disputes. This Agreement shall be governed by Indian law. This paragraph shall survive termination of this Agreement.

SEVERABILITY
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If any provision of this Agreement is held to be unlawful, void, invalid or otherwise unenforceable, then that provision will be limited or eliminated from this Agreement to the minimum extent required, and the remaining provisions will remain valid and enforceable.

SURVIVAL
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Upon termination of this Agreement, any provision, which, by its nature or express terms should survive, will survive such termination or expiration as applied to transfers and relationship prior to such termination or expiration.

HEADINGS
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The heading references herein are for convenience purposes only and they do not constitute a part of these T&Cs and will not be deemed to limit or affect any of the provisions hereof.

ENTIRE AGREEMENT
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These terms and conditions are the entire agreement between you and Paytm Money relating to the subject matter hereof and this Agreement will not be modified except by a change to this Agreement made by Paytm Money in accordance with the terms of this Agreement.

FORCE MAJEURE
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If the whole or any part of the performance of the respective obligations of the parties hereunder is prevented or delayed by reasons of natural calamities, war, arson, civil disturbance, , unavailability of any communication system including Internet, breach or virus in the processes or payment mechanism, sabotage, acts of government, computer hacking, unauthorized access to computer data and storage devices, computer crashes, breach of security and encryption codes and such other reasons beyond the reasonable control of a person (each a “Force Majeure Event”), then to the extent either party shall be prevented or delayed from performing all or any part of their respective obligations under this Agreement despite due diligence and reasonable efforts to do so, then such party shall be excused from performance hereunder for so long as reasons of Force Majeure Event continue. A Force Majeure Event shall not affect the payment obligations of the parties unless there is legal bar / embargo to the making of the payments.

ASSIGNMENT
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The right to use the App/Website/Service is personal to you and is not transferable by assignment, sublicense, or any other method to any other person or entity.

MINI APP
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This mini app offers broking services limited to cash segment delivery based transactions. To experience our full range of investment services including cash segment intraday, derivative trading we request you to download Paytm Money app from playstore/IOS.

You are informed that to avail full range of investment service on Paytm Money App, you will have to complete the account opening formalities and pay the differential amount, as may be applicable

PAYTM WEALTH COMMUNITY
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This document is designed to help you understand our Terms of Service (Terms). We hope this serves as a useful guide. Please ensure you read the terms in full.

Our Service
The Service allows you to discover financial content, watch videos and live sessions, provides a forum for people to connect and discuss about financial products, ask questions to peers/experts and get them answered.

Content on the Service
The content on the Service includes videos, photos, text (such as comments and scripts), branding (including trade names, trademarks, service marks, or logos), interactive features, and other materials (collectively, "Content”). Content is the responsibility of the Creator or entity that provides it. OCL is under no obligation to host or serve Content. If you see any Content you believe does not comply with this Agreement, including by violating  any guideline or the law, you can report it to us at communitysupport@paytm.com

Permissions and Restrictions
You may use the Service as made available to you, as long as you comply with this Agreement and applicable law. You may view or listen to Content for your personal, non-commercial use.
The following restrictions apply to your use of the Service. You are not allowed to:
  1. access, reproduce, download, distribute, transmit, broadcast, display, sell, license, alter, modify or otherwise use any part of the Service or any Content except: (a) as expressly authorized by the Service; or (b) with prior written permission from OCL and, if applicable, the respective rights holders; 
  2. circumvent, disable, fraudulently engage with, or otherwise interfere with any part of the Service (or attempt to do any of these things), including security-related features or features that (a) prevent or restrict the copying or other use of Content or (b) limit the use of the Service or Content;
  3. use the Service to distribute unsolicited promotional or commercial content or other unwanted or mass solicitations;
  4. misuse any reporting, flagging, complaint, dispute, or appeals process, including by making groundless, vexatious, or frivolous submissions;
  5. use the Service to (a) sell any advertising, sponsorships, or promotions placed on, around, or within the Service or Content; or (b) sell advertising, sponsorships, or promotions any page of any website or application that only contains Content from the Service or where Content from the Service is the primary basis for such sales (for example, selling ads on a webpage where OCL videos are the main draw for users visiting the webpage).

Reservation
Using the Service does not give you ownership of or rights to any aspect of the Service, including user names or any other Content posted by Creator).

Changes to the Service
OCL is constantly changing and improving the Service. We may also need to alter or discontinue the Service, or any part of it, in order to make performance or security improvements, change functionality and features, make changes to comply with law, or prevent illegal activities on or abuse of our systems. These changes may affect all users, some users or even an individual user.  Whenever reasonably possible, we will provide notice when we discontinue or make material changes to our Service that will have an adverse impact on the use of our Service. However, you understand and agree that there will be times when we make such changes without notice, such as where we feel we need to take action to improve the security and operability of our Service, prevent abuse, or comply with legal requirements.

Limitation of Liability
EXCEPT AS REQUIRED BY APPLICABLE LAW, OCL, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS WILL NOT BE RESPONSIBLE FOR ANY LOSS OF PROFITS, REVENUES, BUSINESS OPPORTUNITIES, GOODWILL, OR ANTICIPATED SAVINGS; LOSS OR CORRUPTION OF DATA; INDIRECT OR CONSEQUENTIAL LOSS; PUNITIVE DAMAGES CAUSED BY:
  1. ERRORS, MISTAKES, OR INACCURACIES ON THE SERVICE;
  2. PROPERTY DAMAGE RESULTING FROM YOUR USE OF THE SERVICE;
  3. ANY UNAUTHORIZED USE OF THE SERVICE;
  4. ANY INTERRUPTION OR CESSATION OF THE SERVICE;
  5. ANY VIRUSES OR MALICIOUS CODE TRANSMITTED TO OR THROUGH THE SERVICE BY ANY THIRD PARTY;
  6. ANY CONTENT WHETHER SUBMITTED BY A CREATOR, INCLUDING YOUR USE OF CONTENT; AND/OR;
  7. THE REMOVAL OR UNAVAILABILITY OF ANY CONTENT.
THIS PROVISION APPLIES TO ANY CLAIM, REGARDLESS OF WHETHER THE CLAIM ASSERTED IS BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.
TO THE EXTENT PERMITTED BY APPLICABLE LAW, OCL AND ITS AFFILIATES’ TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATING TO THE SERVICE IS LIMITED TO A SUM OF RS. 5000 ONLY.

Indemnity
To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless OCL, its Affiliates, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of Service; (ii) your violation of any term of these Terms of Service. This defense and indemnification obligation will survive this Agreement and your use of the Service.
The Service may contain links to third-party websites and online services that are not owned or controlled by OCL. OCL has no control over, and assumes no responsibility for, such websites and online services. Be aware when you leave the Service; we suggest you read the terms and privacy policy of each third-party website and online service that you visit.

Governing Law
Indian law will govern all disputes arising out of or relating to these terms or the Service, regardless of conflict of laws rules. These disputes will be resolved exclusively in the courts of New Delhi, and you consent to personal jurisdiction in those courts.
PAYTM WEALTH ACADEMY
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These terms and conditions (“Terms and Conditions”), governs the usage of the Paytm Wealth Academy by you, (hereinafter referred to as “You” or “Your” or “User(s)”). Paytm Wealth Academy is owned by One 97 Communications Ltd (“One97”). By accessing our website www.paytm.com (“Website”) and/or the Paytm Wealth Academy platform, you agree to be bound by the provisions of these Terms and Conditions. Please read these Terms and Conditions, along with the Privacy Policy and all other rules and policies made available or published on One 97 as they shall govern your use of the Paytm Wealth Academy Platform (including website and app). By using or visiting the Paytm Wealth Academy Platform or any software, data feeds, and service provided to you on, from, or through the Paytm Wealth Academy Platform, you signify your agreement to these “Terms and Conditions”, One 97’s Privacy Policy and any other terms that are updated from time to time. If you do not agree to any of these terms, please do not use the Paytm Wealth Academy Platform. One97 Communications Limited, the domain name, Website and the Apps (including Paytm Wealth Academy) are owned, registered and operated by One 97 Communications limited, a limited company registered under the Indian Companies Act and having its registered office at First Floor, Devika Towers, Nehru Place, New Delhi 110019 (hereinafter referred to as " One97", "we", "us", or " our" or “Company”)

Paytm Wealth Academy Platform
  1. These Terms and Conditions apply to all Users of the Paytm Wealth Academy. Paytm Wealth Academy includes all aspects of the Website and Apps which includes but is not limited to products, software and service offered via the Paytm Wealth Academy, such as the Paytm Wealth Academy online platform, Paytm Wealth Academy – Subscription/Webinar model and any other service or application that Paytm Wealth Academy introduces from time to time.
  2. Paytm Wealth Academy is an online platform that supports, facilitates in conducting online classes, live demo, chat room for the User seeking to gain financial market knowledge. Any Such content uploaded on the Paytm Wealth Academy shall hereinafter be referred to as “Content”.
  3. Service under these Terms shall include Classroom Service along with the associated features, links and software and standard updates to the Services that are made generally available by Paytm Wealth Academy (herein after referred to as “Service”). User can enrol for such courses, which Services are accessible on Paytm Wealth Academy and any other websites through which Paytm Wealth Academy makes the Services available.
  4. Paytm Wealth Academy may include or contain links to any third-party websites that may or may not be owned or controlled by One97. One97 has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. In addition, One97will not and cannot censor or edit the content of any third-party site. By using the Paytm Wealth Academy, you expressly relieve One97 from any and all liability arising from your use of any third-party website or services. However, we recommend that before you use any third-party services or website you read and understand the terms and conditions and privacy policy of each such website that you visit.
  5. You agree and acknowledge that One97 shall have the right at any time to change or discontinue any aspect or feature of the Paytm Wealth Academy, including, but not limited to, Content, hours of availability and equipment needed for access or use. Further, One97 may discontinue disseminating any portion of information or category of information may change or eliminate any transmission method and may change transmission speeds or other signal characteristics. One97reserves the right to refuse access to the Paytm Wealth Academy, terminate Accounts, remove or edit contents without any notice to you.
  6. You agree and confirm that you will never use another User’s account nor provide access to your account to any third-party. When creating your account, you confirm that the information so provided is accurate and complete. Further, you agree that you are solely responsible for the activities that occur on your account, and you shall keep your account password secure and not share the same with anyone. You must notify One97 immediately of any breach of security or unauthorized use of your account. At no point in time will One97be liable for any losses caused by any unauthorized use of your account, you shall solely be liable for the losses caused to One97 or others due to such unauthorized use, if any.

Access, Permissions and Restrictions
One97hereby grants you permission to access the Paytm Wealth Academy as set forth in these Terms and Conditions, provided that:
  1. You agree not to distribute in any medium any part of the Paytm Wealth Academy or the content without One97’s prior written authorization.
  2. You agree not to alter or modify any part of the Paytm Wealth Academy.
  3. You agree not to access Content through any technology or means other than the video playback pages of the Paytm Wealth Academy itself.
  4. You agree to receive installs and updates from One97from time to time. These updates are designed to improve, enhance and further develop the Paytm Wealth Academy and may take the form of bug fixes, enhanced functions, new courses and completely new versions. You agree to receive such updates (and permit One97 to deliver these to you) as part of your use of the Paytm Wealth Academy.
  5. You may post reviews, comments and other content; send other communications; and submit suggestions, ideas, comments, questions or other information as long as the it is not illegal, obscene, threatening, defamatory, invasive of privacy, infringement of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings or any other form of spam.
  6. In your use of the Paytm Wealth Academy, You will at all times comply with all applicable laws and regulations.
  7. One97reserves the right to discontinue any aspect of the Paytm Wealth Academy at any time with or without notice at its sole discretion.

Content Use
In addition to the general restrictions mentioned above, the following limitation and conditions shall apply to your use of the Content.
  1. Paytm Wealth Academy Content which shall include but not be limited to trademarks, service marks and logos (“Marks”), process, images, software, graphics are owned by or licensed to One97and subject to copyright and other intellectual property rights under the law.
  2. You may access Content for your information and personal use solely as intended through the provided functionality on the Paytm Wealth Academy and as permitted under these Terms and Conditions. You shall not download any Content unless you see a “download” or similar link displayed by Paytm Wealth Academy. You shall not copy, reproduce, make available online or electronically transmit, publish, adapt, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any Content for any other purposes other than as provided herein without the prior written consent of One97. Paytm Wealth Academy reserve all rights in the Content.
  3. You agree not to circumvent, disable or otherwise interfere with security-related features of the Paytm Wealth Academy.
  4. One97 is not responsible for the accuracy, usefulness, of or relating to such Content.

Eligibility to use and Acceptance of the Terms and Conditions
You affirm that you are either more than 18 years of age, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms and Conditions, and to abide by and comply with these Terms and Conditions. If you are under 18 years of age, then please talk to your parents or guardian before using the Paytm Wealth Academy.
Paytm Wealth Academy reserves the right to refuse access to use the Paytm Wealth Academy to any Users or to suspend and/or terminate access granted to existing registered Users at any time without according any reasons for doing so.
We provide these Terms and Conditions so that you know what terms apply to your use. You acknowledge that we have given you a reasonable opportunity to review these Terms and Conditions and that you have agreed to them. You agree and acknowledge that your use of the Paytm Wealth Academy is subject to the most current version of the Terms and Conditions made available on the Paytm Wealth Academy at the time of such use.

Electronic Communication
When you visit Paytm Wealth Academy or send email to us, you are communicating with us electronically. By communicating with us, you consent to receive communication from us electronically. We will communicate with you by email or posting notices on Paytm Wealth Academy. You agree that all agreements, notices, disclosures, disclaimers, offers and other communications that are provided to you electronically satisfy any legal requirement that such communication should be in writing.

Termination of Account
Paytm Wealth Academy will terminate a User access to the Paytm Wealth Academy Platform, if
  1. The Users breaches any terms of these Terms and Conditions.
  2. Violation of any applicable laws.
  3. your use of the Paytm Wealth Academy Platform disrupts our business operations or affects any other party/ User; or
  4. you have behaved in a way, which objectively could be regarded as inappropriate or unlawful or illegal or which would bring any claims against One97.
  5. You have posted pornography, obscenity, or excessive length or any other parameter that One97 deems fit from time to time.
One97may at any time, without prior notice and in its sole discretion, terminate a User's account for submitting such material in violation of these Terms and Conditions.
Any termination of your registration and/or Account or the Paytm Wealth Academy Platforms will not affect liability previously incurred by You.

Disclaimer
YOU AGREE THAT YOUR USE OF THE PAYTM WEALTH ACADEMY SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, ONE97 COMMUNICATIONS LIMITED, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS EXCLUDE ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE PAYTM WEALTH ACADEMY AND YOUR USE THEREOF. TO THE FULLEST EXTENT PERMITTED BY LAW, One97 EXCLUDES ALL WARRANTIES, CONDITIONS, TERMS OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CONTENT OF ANY SITES SO LINKED AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT ON PAYTM WEALTH ACADEMY, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE PAYTM WEALTH ACADEMY, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE PAYTM WEALTH ACADEMY, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE PAYTM WEALTH ACADEMY BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY USER CONTENT OR ANY OTHER CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY USER CONTENT OR ANY OTHER CONTENT THAT IS POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE PAYTM WEALTH ACADEMY. One97DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY CONTENT ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE PAYTM WEALTH ACADEMY PLATFORM OR ANY HYPERLINKED SERVICES OR FEATURED IN ANY MANNER OR OTHER ADVERTISING, AND One97WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF CONTENT OR SERVICES. AS WITH THE PURCHASE OF A SUBSCRIPTION OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ONE97 COMMUNICATIONS LIMITED, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, LOSSES OR EXPENSES OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR PAYTM WEALTH ACADEMY, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE PAYTM WEALTH ACADEMY PLATFORM, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR PAYTM WEALTH ACADEMY PLATFORMS BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR ANY OTHER CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE PAYTM WEALTH ACADEMY, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT PAYTM WEALTH ACADEMY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
YOU SPECIFICALLY ACKNOWLEDGE THAT PAYTM WEALTH ACADEMY SHALL NOT BE LIABLE FOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.
THE PAYTM WEALTH ACADEMY PLATFORM IS CONTROLLED AND OFFERED BY One97 FROM ITS FACILITIES IN INDIA. One97 MAKES NO REPRESENTATIONS THAT THE PAYTM WEALTH ACADEMY PLATFORM IS APPROPRIATE OR AVAILABLE FOR USE IN OTHER LOCATIONS. THOSE WHO ACCESS OR USE THE PAYTM WEALTH ACADEMY PLATFORM FROM OTHER JURISDICTIONS DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.

Indemnity
To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless One97 and its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Paytm Wealth Academy; (ii) your violation of any term of these Terms and Conditions; (iii) any claim that Content caused damage to a third party; or (iv) violation of any applicable laws. This defence and indemnification obligation will survive these Terms and Conditions and your use of the Paytm Wealth Academy.

Payment Policy
All payments shall be collected through secured payment options.
We accept all payment options such as all the major Wallets, Credit Cards, Debit Cards, Net-Banking etc. User will be redirected to its issuing bank's site, where User will have to follow the instruction to complete the payment.
Users understand and acknowledge that all payments made by the Users using valid credit card/ Debit card and other payment instruments or mechanism including net banking facility will be processed using a payment gateway or appropriate payment system infrastructure and the same is governed by a separate set of terms and conditions agreed between the User and the respective Issuing Bank and payment instrument issuing company.
  1. Cancellations and Refunds
  2. If, You wish to cancel a confirmed enrolment made on the Paytm Wealth Academy, after enrolment to the Course, the cancellation policy contained in the applicable Listing will apply to such cancellation provided that no refund will be made in respect of tuitions already provided. Our ability to refund the Course Fees and other amounts charged to you will depend upon the terms of the applicable cancellation policy and financial charges applicable in case of course payment through No Cost EMI options. Details regarding refunds and cancellation policies are available via the Site and Application. One97 Communications Limited will initiate any refunds due pursuant to the Payments Terms. Please refer to the Refunds section of FAQs for latest updated terms and conditions for various categories of listings/courses.
  3. If We cancel a confirmed enrolment, One 97 will refund the Course Fees paid by the User for such enrolment to the applicable user pursuant to the Payments Terms which shall not exceed the total amount paid by the user.

Intellectual Property Right
The Paytm Wealth Academy, the processes, arrangement, including but not limited to all text, graphics, User interfaces, visual interfaces, sounds and music (if any), artwork and computer code on the Paytm Wealth Academy Platform is owned and controlled by One97 and the design, structure, selection, coordination, expression, look and feel and arrangement of such content mentioned hereinabove is protected by copyright, patent and trademark laws, and various other national and international IPR laws and regulations.
The mark “ Paytm Wealth Academy” is the sole property of One97. Reproduction in whole or in part of the same is strictly prohibited unless used with an express written permission from Paytm Wealth Academy

Force Majeure
One97 shall not be liable for failure to perform, or the delay in performance of, any of its obligations if, and to the extent that, such failure or delay is caused by events substantially beyond its control, including but not limited to acts of God, acts of the public enemy or governmental body in its sovereign or contractual capacity, war, terrorism, floods, fire, strikes, epidemics, civil unrest or riots, power outage, and/or unusually severe weather.

Information Technology Act
These Terms and Conditions are published in accordance with the provisions of Rule 3 (1) of the Information Technology (Intermediaries guidelines) Rules, 2011 that require publishing the rules and regulations, privacy policy and terms and conditions for access or usage of the Paytm Wealth Academy.
You are advised not to post any information or messages that are, or that may be construed, as being malicious, defamatory, inappropriate, slanderous, pornographic or otherwise sexually oriented or that makes attacks on or the otherwise opines or comments on any individuals or groups of individuals, or any other entities whatsoever (whether companies, firms, or any other institutions). You also agree not to post any information to which you do not have copyrights or other appropriate permissions to post in public forum. Your failure to comply with these terms may result in removal of your postings without prior notice to User. The IP address of all posts is recorded to aid in enforcing these conditions.

Other Laws
Certain laws require to maintain data with respect to the Paytm Wealth Academy and other personal information in a prescribed format and One97 will use all the information to the extent required in compliance with the applicable laws and as may be directed or amended from time to time.

Governing Law and Jurisdiction
The Terms and Conditions are governed by and constructed in accordance with the laws of India, without reference to conflict of laws principles and you irrevocably and unconditionally submit to the exclusive jurisdiction of the courts located in New Delhi, India.

Modification, Amendment or Termination
One97 may, in its sole discretion, modify or revise these Terms and Conditions and policies at any time, and you agree to be bound by such modifications or revisions. Your continued use of the Paytm Wealth Academy post any modification of the Terms and Conditions shall be taken as your consent and acceptance to such modifications. Nothing in these Terms and Conditions shall be deemed to confer any third-party rights or benefits.

General
If any part of these Terms and Conditions is unlawful, void or unenforceable, that part of will be deemed severable and will not affect the validity and enforceability of any remaining provisions. Any notice required to be given in connection with the Paytm Wealth Academy shall be in writing and sent to the registered office of Paytm Wealth Academy. We do not guarantee continuous, uninterrupted or secure access to the Paytm Wealth Academy, and operation of the Paytm Wealth Academy may be interfered by numerous factors outside our control. Headings are for reference purpose only an on no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to any breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

Refund Policy Feedback
We welcome and encourage you to provide feedback, comments and suggestions for improvements to the Paytm Wealth Academy ("Feedback "). You may submit Feedback by emailing us, through the "Contact" section.